Kotak Mahindra Bank
Interest Rates & Financial Calculators
Complete guide to Kotak Mahindra Bank interest rates for FD, RD, and loans. Use our calculators to plan your investments and loans better.
Best FD Rate
6.25%
Home Loan Rate
8.7%
Bank Type
private
Last Updated
Aug 2025
Latest Kotak Interest Rates
Deposits (FD & RD) Interest Rates
Kotak Mahindra Bank Fixed Deposit Rates
Latest Kotak Mahindra Bank Fixed Deposit interest rates for all tenures. Compare general and senior citizen rates.
| Type/Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
| 7-14 days | 3.5% | 4% |
| 15-30 days | 3.5% | 4.75% |
| 31-45 days | 4.25% | 5.25% |
| 46-60 days | 4.5% | 5.25% |
| 61-90 days | 4.5% | 5.45% |
| 91 days | 5% | 5.7% |
| 92-120 days | 5.25% | 5.75% |
| 121-179 days | 5.25% | 5.75% |
| 180 days | 5.75% | 5.8% |
| 181-270 days | 5.5% | 6% |
| 271-279 days | 5.15% | 5.15% |
| 280-364 days | 6% | 6.05% |
| 365 days | 6.35% | 6.25% |
| 15 months-18 months | 6.4% | 6.25% |
| 18 months-2 years | 6.4% | 6.25% |
| 2-3 years | 6.4% | 6.2% |
| 3-4 years | 6.4% | 6.2% |
| 4-5 years | 6.3% | 6.2% |
| 5-7 years | 6.3% | 6.2% |
Kotak Mahindra Bank Recurring Deposit Rates
Latest Kotak Mahindra Bank Fixed Deposit interest rates for all tenures. Compare general and senior citizen rates.
| Type/Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
| 1 year | 7.4% | 7.9% |
| 2 years | 7.5% | 8% |
| 3 years | 7.6% | 8.1% |
| 5 years | 7.65% | 8.15% |
Loan Interest Rates
Kotak Mahindra Bank Loan Interest Rates
Current Kotak Mahindra Bank loan interest rates and processing fees for different loan types.
| Type/Tenure | Min Rate | Max Rate | Processing Fee |
|---|---|---|---|
| Home Loan | 8.7% | 10.65% | 0.5% of loan amount + GST |
| Personal Loan | 10.99% | 20% | 2.5% of loan amount + GST |
| Car Loan | 8.65% | 11% | ₹3,000 + GST |
| Education Loan | 9.25% | 13% | 1% of loan amount + GST |
| Business Loan | 11% | 17% | 2% of loan amount + GST |
| Two Wheeler Loan | 10.25% | 15.5% | ₹2,000 + GST |
| Gold Loan | 8.75% | 11.25% | ₹1,500 + GST |
Kotak Calculators & Tools
Make informed financial decisions with our comprehensive suite of calculators designed specifically for Kotak Mahindra Bank products
Why Choose Kotak Mahindra Bank?
Discover the advantages of banking with one of India's most trusted financial institutions
Competitive Rates
Up to 6.25% returns on Fixed Deposits with attractive rates for all tenures
Bank Security
RBI regulated private bank with deposit insurance up to ₹5 lakhs
Digital Banking
Advanced mobile banking, online FD booking, and instant loan approvals through digital channels
Customer Service
24/7 customer support with extensive branch network and dedicated relationship managers
Additional Benefits
Interest rates last updated: Aug 2025