Kotak Mahindra Bank Fixed Deposit interest rates · November 2026
What will my FD earn at Kotak?
The early-withdrawal penalty depends on tenure and amount; each row shows its figure. Bank's terms ↗ · Checked 13 Oct 2026
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 to 30 Days 2 slabs at this rate |
2.75% | 3.25% | Below ₹3 crore (retail) Early withdrawal: no rate penalty |
4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
31 - 45 Days |
3.00% | 3.50% | Below ₹3 crore (retail) Early withdrawal: no rate penalty |
4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
46 - 90 Days |
3.50% | 4.00% | Below ₹3 crore (retail) Early withdrawal: no rate penalty |
4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
91 Days 91-day Special |
4.00% | 4.50% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
92 Days - 179 Days |
4.25% | 4.75% | Below ₹3 crore (retail) Early withdrawal: no rate penalty |
4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
180 Days |
5.00% | 5.50% | Below ₹3 crore (retail) Early withdrawal: no rate penalty |
4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
181 Days to 270 Days 2 slabs at this rate |
5.50% | 6.00% | Below ₹3 crore (retail) Early withdrawal: 0.5% lower rate |
4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
271 Days to 363 Days |
6.00% | 6.50% | Below ₹3 crore (retail) Early withdrawal: 0.5% lower rate |
4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
364 Days 364-day Special |
6.00% | 6.50% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
365 Days to less than 15 Months |
6.45% | 7.20% | Below ₹3 crore (retail) Early withdrawal: 1% lower rate |
4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 27 Oct 2026 |
15 Months - less than 18 Months |
6.60% | 7.35% | Below ₹3 crore (retail) Early withdrawal: 1% lower rate |
4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 9 Nov 2026 |
18 months - less than 2 years |
6.55% | 7.30% | Below ₹3 crore (retail) Early withdrawal: 1% lower rate |
4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
2 years- less than 3 years |
6.80% | 7.55% | Below ₹3 crore (retail) Early withdrawal: 1% lower rate |
4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 9 Nov 2026 |
3 years and above but less than 4 years to 4 years and above but less than 5 years 2 slabs at this rate |
6.40% | 6.90% | Below ₹3 crore (retail) Early withdrawal: 1% lower rate |
4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
5 years and above upto and inclusive of 10 years |
6.25% | 6.75% | Below ₹3 crore (retail) Early withdrawal: 1% lower rate |
4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
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Kotak FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
6.45%Before you book
Kotak Fixed Deposit: frequently asked questions
What is the highest Kotak Fixed Deposit interest rate?
As of 14 Nov 2026, Kotak Mahindra Bank offers up to 6.80% p.a. on its fixed deposit (FD) (2 years- less than 3 years) for general customers and 7.55% 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 14 Nov 2026, Kotak Mahindra Bank offers 6.45% p.a. on a 1-year FD for general customers and 7.20% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 4 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Kotak 2-year FD interest rate?
As of 14 Nov 2026, Kotak Mahindra Bank offers 6.80% p.a. on a 2-year FD for general customers and 7.55% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 4 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Kotak 3-year FD interest rate?
As of 14 Nov 2026, Kotak Mahindra Bank offers 6.40% p.a. on a 3-year FD for general customers and 6.90% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 4 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Kotak 5-year FD interest rate?
As of 14 Nov 2026, Kotak Mahindra Bank offers 6.25% p.a. on a 5-year FD for general customers and 6.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 4 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Kotak?
Yes. Senior citizens (60+) earn up to 0.75% p.a. more than general customers at Kotak Mahindra Bank, depending on the tenure.
When did Kotak last change its Fixed Deposit rates?
Kotak Mahindra Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 27 Oct 2026: the general rate for 365 Days to less than 15 Months went from 6.35% to 6.45%. RateScan.in has tracked Kotak's rates since 19 Sept 2026.
What fixed deposit (FD) tenures does Kotak offer?
Kotak Mahindra Bank's published fixed deposit (FD) rate table has 16 tenure bands, from “7 - 14 Days” to “5 years and above upto and inclusive of 10 years”.
Does Kotak have special fixed deposit (FD) schemes?
Kotak Mahindra Bank's rate table lists these named schemes (2): 91-day Special; 364-day Special. Check eligibility and end dates with the bank.
Does Kotak pay more than the Post Office Time Deposit?
Kotak Mahindra Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.45% (PO 6.90%), 2y 6.80% (PO 7.00%), 3y 6.40% (PO 7.10%), 5y 6.25% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Kotak's 1-year FD rate rank?
Kotak Mahindra Bank's 1-year general FD rate of 6.45% ranks #707 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
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 14 Nov 2026; the bank's rates shown here are effective 4 Nov 2026. Rates can change without notice, so verify on the official Kotak website before investing.
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Good to know
- Deposits with Kotak Mahindra Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- Kotak is a private sector bank regulated by the RBI.
- Senior citizens (60+) earn up to 0.75% p.a. more than general customers at Kotak, depending on the tenure.
- Kotak's FD table includes 2 special schemes; check eligibility and end dates.
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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