Kotak Mahindra Bank (Kotak) is a private sector bank, headquartered in Mumbai, established in 2003. Its headline 1-year FD rate of 6.35% is −0.12% below the private sector average of 6.47%, ranking #12 of 20 private banks.
Figures marked “approx.” are rounded public estimates as of 2024.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 25 Sept 2026, verified from aggregated sources. Scheduled private sector bank — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Kotak (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
7 - 14 Days |
2.75% | 3.25% | Below ₹3 crore (retail) | |
15 - 30 Days |
2.75% | 3.25% | Below ₹3 crore (retail) | |
31 - 45 Days |
3.00% | 3.50% | Below ₹3 crore (retail) | |
46 - 90 Days |
3.50% | 4.00% | Below ₹3 crore (retail) | |
91 Days 91-day Special |
4.00% | 4.50% | Below ₹3 crore (retail) | |
92 Days - 179 Days |
4.25% | 4.75% | Below ₹3 crore (retail) | |
180 Days |
5.00% | 5.50% | Below ₹3 crore (retail) | |
181 Days to 269 Days |
5.50% | 6.00% | Below ₹3 crore (retail) | |
270 Days |
5.50% | 6.00% | Below ₹3 crore (retail) | |
271 Days to 363 Days |
6.00% | 6.50% | Below ₹3 crore (retail) | |
364 Days 364-day Special |
6.00% | 6.50% | Below ₹3 crore (retail) | |
365 Days to less than 15 Months |
6.35% | 6.85% | Below ₹3 crore (retail) | |
15 Months - less than 18 Months |
6.45% | 6.95% | Below ₹3 crore (retail) | |
18 months - less than 2 years |
6.55% | 7.05% | Below ₹3 crore (retail) | |
2 years- less than 3 years |
6.65% | 7.15% | Below ₹3 crore (retail) | |
3 years and above but less than 4 years |
6.40% | 6.90% | Below ₹3 crore (retail) | |
4 years and above but less than 5 years |
6.40% | 6.90% | Below ₹3 crore (retail) | |
5 years and above upto and inclusive of 10 years |
6.25% | 6.75% | Below ₹3 crore (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
365 Days to less than 15 Months |
6.35% | 6.85% | Any amount | |
15 Months - less than 18 Months |
6.45% | 6.95% | Any amount | |
18 months - less than 2 years |
6.55% | 7.05% | Any amount | |
2 years- less than 3 years |
6.65% | 7.15% | Any amount | |
3 years and above but less than 4 years |
6.40% | 6.90% | Any amount | |
4 years and above but less than 5 years |
6.40% | 6.90% | Any amount | |
5 years and above upto and inclusive of 10 years |
6.25% | 6.75% | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.50% | 2.50% | All balances |
Deposits with Kotak Mahindra Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
Informational only — always confirm the current rate on the official Kotak website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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