Rates verified from official source

Kotak Mahindra Bank Fixed Deposit interest rates · October 2026

As of 5 Oct 2026, Kotak Mahindra Bank offers up to 6.65% p.a. on its fixed deposit (FD) (2 years- less than 3 years) for general customers and 7.15% p.a. (2 years- less than 3 years) for senior citizens. Rates below are as published by the bank — confirm with Kotak before investing.

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

2%3%4%5%6%7% 7 - 14 Days: 2.75% 15 - 30 Days: 2.75% 31 - 45 Days: 3.00% 46 - 90 Days: 3.50% 91 Days · 91-day Special: 4.00% 92 Days - 179 Days: 4.25% 180 Days: 5.00% 181 Days to 269 Days: 5.50% 270 Days: 5.50% 271 Days to 363 Days: 6.00% 364 Days · 364-day Special: 6.00% 365 Days to less than 15 Months: 6.35% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 15 Months - less than 18 Months: 6.45% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 18 months - less than 2 years: 6.55% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 2 years- less than 3 years: 6.65% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years and above but less than 4 years: 6.40% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 4 years and above but less than 5 years: 6.40% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years and above upto and inclusive of 10 years: 6.25% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m2m3m3m6m6m9m9m12m1y450d540d2y3y4y5y General Post Office TD Special scheme

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.

2%3%4%5%6%7% 7 - 14 Days: 3.25% (General: 2.75%) 15 - 30 Days: 3.25% (General: 2.75%) 31 - 45 Days: 3.50% (General: 3.00%) 46 - 90 Days: 4.00% (General: 3.50%) 91 Days · 91-day Special: 4.50% (General: 4.00%) 92 Days - 179 Days: 4.75% (General: 4.25%) 180 Days: 5.50% (General: 5.00%) 181 Days to 269 Days: 6.00% (General: 5.50%) 270 Days: 6.00% (General: 5.50%) 271 Days to 363 Days: 6.50% (General: 6.00%) 364 Days · 364-day Special: 6.50% (General: 6.00%) 365 Days to less than 15 Months: 6.85% (General: 6.35%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 15 Months - less than 18 Months: 6.95% (General: 6.45%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 18 months - less than 2 years: 7.05% (General: 6.55%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years- less than 3 years: 7.15% (General: 6.65%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 3 years and above but less than 4 years: 6.90% (General: 6.40%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 4 years and above but less than 5 years: 6.90% (General: 6.40%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years and above upto and inclusive of 10 years: 6.75% (General: 6.25%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m2m3m3m6m6m9m9m12m1y450d540d2y3y4y5y Senior General Post Office TD Special scheme

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.

3%4%5%6%7% 7 - 14 Days: 3.25% (Senior: 3.25%) 15 - 30 Days: 3.25% (Senior: 3.25%) 31 - 45 Days: 3.50% (Senior: 3.50%) 46 - 90 Days: 4.00% (Senior: 4.00%) 91 Days · 91-day Special: 4.50% (Senior: 4.50%) 92 Days - 179 Days: 4.75% (Senior: 4.75%) 180 Days: 5.50% (Senior: 5.50%) 181 Days to 269 Days: 6.00% (Senior: 6.00%) 270 Days: 6.00% (Senior: 6.00%) 271 Days to 363 Days: 6.50% (Senior: 6.50%) 364 Days · 364-day Special: 6.50% (Senior: 6.50%) 365 Days to less than 15 Months: 6.85% (Senior: 6.85%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 15 Months - less than 18 Months: 6.95% (Senior: 6.95%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 18 months - less than 2 years: 7.05% (Senior: 7.05%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years- less than 3 years: 7.15% (Senior: 7.15%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 3 years and above but less than 4 years: 6.90% (Senior: 6.90%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 4 years and above but less than 5 years: 6.90% (Senior: 6.90%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years and above upto and inclusive of 10 years: 6.75% (Senior: 6.75%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m2m3m3m6m6m9m9m12m1y450d540d2y3y4y5y Senior Senior Post Office TD Special scheme

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.

TenureGeneralSeniorTrendApplies toAs ofSource
7 - 14 Days
 2.75% 3.25% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
15 - 30 Days
 2.75% 3.25% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
31 - 45 Days
 3.00% 3.50% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
46 - 90 Days
 3.50% 4.00% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
91 Days
91-day Special
 4.00% 4.50% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
92 Days - 179 Days
 4.25% 4.75% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
180 Days
 5.00% 5.50% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
181 Days to 269 Days
 5.50% 6.00% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
270 Days
 5.50% 6.00% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
271 Days to 363 Days
 6.00% 6.50% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
364 Days
364-day Special
 6.00% 6.50% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
365 Days to less than 15 Months
 6.35% 6.85% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
15 Months - less than 18 Months
 6.45% 6.95% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
18 months - less than 2 years
 6.55% 7.05% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
2 years- less than 3 years
 6.65% 7.15% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
3 years and above but less than 4 years
 6.40% 6.90% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
4 years and above but less than 5 years
 6.40% 6.90% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
5 years and above upto and inclusive of 10 years
 6.25% 6.75% Below ₹3 crore (retail)
23 Sept 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
Source ↗

Kotak Fixed Deposit: frequently asked questions

What is the highest Kotak Fixed Deposit interest rate?

As of 5 Oct 2026, Kotak Mahindra Bank offers up to 6.65% p.a. on its fixed deposit (FD) (2 years- less than 3 years) for general customers and 7.15% p.a. (2 years- less than 3 years) for senior citizens. Rates below are as published by the bank — confirm with Kotak before investing.

What is the Kotak 1 year FD interest rate?

As of 5 Oct 2026, Kotak Mahindra Bank offers 6.35% p.a. on a 1-year FD for general customers and 6.85% p.a. for senior citizens.

Do senior citizens get higher Fixed Deposit rates at Kotak?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Kotak Mahindra Bank, depending on the tenure.

Is my fixed deposit (FD) with Kotak insured?

Deposits with Kotak Mahindra Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these Kotak rates?

RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 23 Sept 2026. Rates can change without notice, so verify on the official Kotak website before investing.

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Compare Kotak with other banks

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Good to know

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.

official Effective 23 Sept 2026 · Ingested 4 Oct 2026 · Verified 5 Oct 2026 · View source

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