Kotak Mahindra Bank Fixed Deposit Rates
Fixed Deposits (FDs) or Term Deposits are one of the most important investment products offered by Kotak Mahindra Bank. The bank offers interest rates on fixed deposits ranging from 2.75% p.a. to 6.60% p.a.
The bank offers a variety of tenures to choose from and the rate of return on the deposits is quite attractive as well.
Kotak Mahindra Bank FD Rates for Below Rs. 3 crore
Listed in the table below are the interest rates offered by Kotak Mahindra Bank on term deposits below Rs.3 crore.
Tenure | Interest Rates for General Public (p.a.) | Interest Rates for Senior Citizens (p.a.) |
7 - 14 Days | 2.75% | 3.25% |
15 - 30 Days | 2.75% | 3.25% |
31 - 45 Days | 3.00% | 3.50% |
46 - 90 Days | 3.50% | 4.00% |
91 - 120 Days | 5.00% | 5.50% |
121 - 179 days | 4.25% | 4.75% |
180 Days | 5.75% | 6.25% |
181 Days to 269 Days | 5.50% | 6.00% |
270 Days | 5.50% | 6.00% |
271 Days to 363 Days | 6.00% | 6.50% |
364 Days | 6.00% | 6.50% |
365 Days to 389 Days | 6.25% | 6.75% |
390 Days (12 months 25 days) | 6.50% | 7.00% |
391 Days - Less than 23 Months | 6.60% | 7.10% |
23 Months | 6.60% | 7.10% |
23 months 1 Day- less than 2 years | 6.50% | 7.00% |
2 years- less than 3 years | 6.40% | 6.90% |
3 years and above but less than 4 years | 6.40% | 6.90% |
4 years and above but less than 5 years | 6.40% | 6.90% |
5 years and above upto and inclusive of 10 years | 6.25% | 6.75% |
Note: The interest rates mentioned in the table are as of 20 August 2025.
Kotak Mahindra Bank FD Rates (Above Rs.3 crore)
Listed in the table below are the interest rates offered by Kotak Mahindra Bank on term deposits above Rs.3 crore but less than Rs.10 crore.
Maturity Period - Premature Withdrawal Allowed | General Public |
7 - 14 Days | 3.50% |
15 - 30 Days | 3.50% |
31 - 45 Days | 4.25% |
46 - 60 Days | 4.50% |
61 - 90 Days | 4.50% |
91 - 120 Days | 5.00% |
121 - 179 Days | 5.25% |
180 Days | 5.25% |
181 Days to 270 Days | 5.75% |
271 Days to 279 Days | 5.50% |
280Days ‐ 364 days | 5.15% |
365 days ‐ Less Than 15Months | 6.00% |
15 months - less than 18 months | 6.35% |
18 months - less than 2 Years | 6.40% |
2 years and above but less than 3 years | 6.40% |
3 years and above but less than 4 years | 6.40% |
4 years and above but less than 5 years | 6.30% |
5 years and above upto & inclusive of 7 years | 6.30% |
Note: The interest rates mentioned in the table are as of 5 November 2025.
Kotak Mahindra Bank on Term Deposits Above Rs.10 crore to Rs.100 Crore
Given below are the interest rates on term deposits above Rs.10 crore to Rs.100 Crore
Maturity Period - Premature Withdrawal Allowed | Rs. 10 Crores & above but below 25 Crores | Rs. 10 Crores & above but below 25 Crores |
7 - 14 Days | 4.00% | 4.00% |
15 - 30 Days | 4.50% | 4.50% |
31 - 45 Days | 5.25% | 5.25% |
46 - 60 Days | 5.50% | 5.50% |
61 - 90 Days | 5.90% | 5.90% |
91 - 120 Days | 5.95% | 5.95% |
121 - 179 Days | 5.95% | 5.95% |
180 Days | 6.05% | 6.05% |
181 Days to 270 Days | 6.10% | 6.10% |
271 Days to 279 Days | 5.00% | 5.00% |
280Days ‐ 364 days | 6.15% | 6.15% |
365 days ‐ Less Than 15Months | 6.25% | 6.25% |
15 months - less than 18 months | 6.25% | 6.25% |
18 months - less than 2 Years | 6.25% | 6.25% |
2 years and above but less than 3 years | 6.15% | 6.15% |
3 years and above but less than 4 years | 6.15% | 6.15% |
4 years and above but less than 5 years | 6.15% | 6.15% |
5 years and above upto & inclusive of 7 years | 6.05% | 6.05% |
Note: The interest rates mentioned in the table are as of 5 November 2025.
Kotak Mahindra Bank NRE and NRO FD Rates
When it comes to NRO Fixed deposits, the interest offered by Kotak Mahindra Bank is the same as the domestic fixed deposit rates.
Kotak Bank NRE FD Rates Below Rs.3 crore
Tenure | Interest Rates for General Public (p.a.) | Interest Rates for Senior Citizens (p.a.) |
7 - 14 Days | 2.75% | 3.25% |
15 - 30 Days | 2.75% | 3.25% |
31 - 45 Days | 3.00% | 3.50% |
46 - 90 Days | 3.50% | 4.00% |
91 - 120 Days | 5.00% | 5.50% |
121 - 179 days | 4.25% | 4.75% |
180 Days | 5.75% | 6.25% |
181 Days to 269 Days | 5.50% | 6.00% |
270 Days | 5.50% | 6.00% |
271 Days to 363 Days | 6.00% | 6.50% |
364 Days | 6.00% | 6.50% |
365 Days to 389 Days | 6.25% | 6.75% |
390 Days (12 months 25 days) | 6.50% | 7.00% |
391 Days - Less than 23 Months | 6.60% | 7.10% |
23 Months | 6.60% | 7.10% |
23 months 1 Day- less than 2 years | 6.50% | 7.00% |
2 years- less than 3 years | 6.40% | 6.90% |
3 years and above but less than 4 years | 6.40% | 6.90% |
4 years and above but less than 5 years | 6.40% | 6.90% |
5 years and above upto and inclusive of 10 years | 6.25% | 6.75% |
Note: The interest rates mentioned in the table are as of 20 August 2025.
Kotak NRE/NRO FD Rates: Premature Withdrawal Policy
maturity Period - Premature Withdrawal Not Allowed | Rs. 3 Crore & above but below Rs.10 Crores | Rs.10 Crores & above but below Rs.25 Crores |
91 Days | NA | 6.00% |
192 Days to 120 Days | NA | 6.00% |
121 Days to 179 Days | NA | 6.10% |
180 Days | NA | 6.15% |
181 Days to 270 Days | 5.65% | 6.20% |
271 Days to 279 Days | 5.25% | 5.75% |
280 Days ‐ 364 days | 6.20% | 6.25% |
365 days ‐ Less Than 15Months | 6.45% | 6.35% |
15 months - less than 18 months | 6.50% | 6.35% |
18 months - less than 2 Years | 6.50% | 6.35% |
2 years and above but less than 3 years | 6.50% | 6.25% |
3 years and above but less than 4 years | 6.50% | 6.25% |
4 years and above but less than 5 years | N/A | NA |
Note: The interest rates mentioned in the table are as of 5 November 2025.
FCNR Deposit Rates of Kotak Mahindra Bank
Maturity | USD(< 0.5 mio) | USD(>= 0.5 mio) | GBP | EURO | AUD | SGD |
> = 1 Year - Less than 2 Year | 4.20% | 4.20% | 4.25% | 2.45% | 3.75% | 1.60% |
2 Year - Less than 3 Year | 3.75% | 3.75% | 3.90% | 1.25% | 3.65% | 1.55% |
3 Year - Less than 4 Year | 3.50% | 3.50% | 3.25% | 1.25% | 3.55% | No Quote |
4 Year - Less than 5 Year | 3.45% | 3.45% | No Quote | No Quote | No Quote | No Quote |
5 Year Only | 3.45% | 3.45% | No Quote | No Quote | No Quote | No Quote |
Note: The interest rates mentioned in the table are as of 1 November 2025.
FAQs on Kotak Mahindra Bank FD Rates
- What is the interest rate on fixed deposits offered by Kotak Mahindra Bank?
The interest rates on fixed deposits offered by Kotak Mahindra Bank range from 2.75% p.a. to 6.60% p.a. for deposits below Rs.3 crore.
- What is the minimum deposit amount I can make in a fixed deposit?
You can open a fixed deposit with Kotak Mahindra Bank by depositing a minimum amount of Rs.5,000.
- When should I apply for an exemption on TDS?
Yes. Premature withdrawal of fixed deposits is allowed.
- Do senior citizens get an additional interest rate on fixed deposits?
Yes. Senior citizens are offered an additional interest rate of 0.50%.
- Is premature withdrawal of fixed deposits allowed?
Yes. A fixed deposit can be opened via net banking, provided the primary applicant's PAN details have been updated with the bank.
- Is proof of age necessary to open a fixed deposit?
Yes. You need to submit proof of age necessary to open a fixed deposit.
- Can I open a joint account with a non-senior citizen?
Yes. As long as the first account holder is a senior citizen.
- Can I open a fixed deposit using net banking if my PAN details are not updated with the bank?
Yes. A fixed deposit can be opened via net banking, provided the primary applicant's PAN details have been updated with the bank.
- If I am an existing customer, do I have to apply for a different Customer ID to use the senior citizen fixed deposits facility?
No. You do not have to create a separate Customer ID. You simply need to submit proof of age to open a new fixed deposit.
- Does Kotak Mahindra Bank offer an overdraft facility?
Yes. Kotak Mahindra Bank offers an overdraft facility against a fixed deposit.
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