Kotak Mahindra Bank FD Rates, May 2019

Tenure Interest Rates for Regular Deposit Interest Rates for Senior Citizen
7 days to 14 days 3.50% 4.00%
15 days to 30 days 4.00% 4.50%
31 days to 45 days 5.00% 5.50%
46 days to 90 days 5.50% 6.00%
91 days to 120 days 6.25% 6.75%
121 days to 179 days 6.25% 6.75%
180 days to 269 days 7.00% 7.50%
270 days to 363 days 7.00% 7.50%
364 days 7.25% 7.75%
365 days to 389 days 7.30% 7.80%
390 days to 1 year 364 days 7.40% 7.90%
2 years to 2 years 364 days 7.25% 7.75%
3 years to 3 years 364 days 7.10% 7.60%
4 years to 4 years 364 days 7.00% 7.50%
5 years to 10 years 6.50% 7.00%

Kotak Mahindra Bank Fixed Deposit Calculator

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Investment Amount Minimum -  Rs. 10,000 (Existing customers) & Rs. 25,000 (New customers)  Maximum- No Maximum Limit
Tenure Minimum - 7 daysMaximum- 10 Years
Sweep-in Facility as Your Financial Back-up With Kotak Mahindra FD account, remain stress-free when running out of cash. Just link your FD account with saving account and stay worry-free
Add Multiple Fixed Deposit to Saving Account Enjoy a constant flow of money by linking multiple fixed deposit accounts to your existing saving account

Kotak Mahindra Bank FD Interest Rates

Fixed Deposits in Kotak Mahindra Bank are fixed-income saving tools. The customers can deposit an amount for a definite period and at a predetermined rate of interest.

FDs in Kotak Mahindra Bank is a safe medium for investment. If the interest is paid out to the customer regularly, creating an income stream, this plan is called a Simple Fixed Deposit scheme. Alternatively, Kotak Mahindra Bank also lets clients reinvest the interest in the FD in a compounded manner to maximise returns.

Using the tenure, principal amount, and interest rates on FDs in Kotak Mahindra Bank, customers can calculate their maturity value.

Since the plan is term restricted, any premature withdrawal of the funds might or might not be allowed, depending on the particulars of the scheme availed. If allowed, it might be paid out with reduced interests.

Additionals benefits of Kotak Mahindra Bank’s Fixed Deposits involve tax saving plans, senior citizen advantages, recurring deposits with monthly investments, and nomination services. The Bank also allows sweep-in facility. By linking the FD(one or more) to a savings account, this provision allows the customers to enjoy liquidity and overdraft facility.


Kotak Mahindra Bank Fixed Deposit Rates

It is advisable to reconfirm the FD Rates from the bank before making any decision on basis of data provided below.

For Domestic Deposits - Less than Rs. 1 cr (As on Jul 13, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 14 days Less than Rs. 1 cr 3.5 4
15 days to 30 days Less than Rs. 1 cr 4 4.5
31 days to 45 days Less than Rs. 1 cr 5 5.5
46 days to 90 days Less than Rs. 1 cr 5.5 6
91 days to 120 days Less than Rs. 1 cr 5.75 6.25
91 days to 179 days Less than Rs. 1 cr N.A 6.5
121 days to 179 days Less than Rs. 1 cr 6 N.A
180 days Less than Rs. 1 cr 6.5 7
181 days to 269 days Less than Rs. 1 cr 6.5 7
270 days Less than Rs. 1 cr 6.5 7
271 days to 363 days Less than Rs. 1 cr 6.5 7
364 days Less than Rs. 1 cr 6.75 7.25
365 days to 389 days Less than Rs. 1 cr 6.75 7.25
390 Days (12 months 25 days) Less than Rs. 1 cr 6.75 7.25
391 Days & above upto and inclusive of 699 Days Less than Rs. 1 cr 6.5 7
700 days (23 months) Less than Rs. 1 cr 6.5 7
701 days and above to less than 2 years Less than Rs. 1 cr 6.5 7
2 years to less than 3 years Less than Rs. 1 cr 6.5 7
3 years and above to less than 4 years Less than Rs. 1 cr 6.25 6.75
4 years and above to less than 5 years Less than Rs. 1 cr 6.25 6.75
5 years and above upto 10 years Less than Rs. 1 cr 6 6.5

 

For Domestic Deposits - Rs. 1 cr and above to Less than Rs. 5 cr (As on Jul 27, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 14 days Rs. 1 cr and above to Less than Rs. 5 cr 4.75 N.A
15 days to 30 days Rs. 1 cr and above to Less than Rs. 5 cr 5 N.A
31 days to 45 days Rs. 1 cr and above to Less than Rs. 5 cr 5 N.A
46 days to 60 days Rs. 1 cr and above to Less than Rs. 5 cr 5.25 N.A
61 days to 90 days Rs. 1 cr and above to Less than Rs. 5 cr 5.5 N.A
91 days to 120 days Rs. 1 cr and above to Less than Rs. 5 cr 6 N.A
121 days to 179 days Rs. 1 cr and above to Less than Rs. 5 cr 6 N.A
180 days Rs. 1 cr and above to Less than Rs. 5 cr 6.25 N.A
181 days to 270 days Rs. 1 cr and above to Less than Rs. 5 cr 6.25 N.A
271 days to less than 12 months Rs. 1 cr and above to Less than Rs. 5 cr 6.25 N.A
12 months to less than 15 months Rs. 1 cr and above to Less than Rs. 5 cr 6.5 N.A
15 months to less than 18 months Rs. 1 cr and above to Less than Rs. 5 cr 6.5 N.A
18 months to less than 2 years Rs. 1 cr and above to Less than Rs. 5 cr 6.25 N.A
2 years and above to less than 3 years Rs. 1 cr and above to Less than Rs. 5 cr 6 N.A
3 years and above to less than 4 years Rs. 1 cr and above to Less than Rs. 5 cr 6 N.A
4 years and above to less than 5 years Rs. 1 cr and above to Less than Rs. 5 cr 6 N.A
5 years and above upto 7 years Rs. 1 cr and above to Less than Rs. 5 cr 6 N.A

 

For Domestic Deposits - Rs. 10 cr and above to Less than Rs. 25 cr (As on Jul 27, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 14 days Rs. 10 cr and above to Less than Rs. 25 cr 4.5 N.A
15 days to 30 days Rs. 10 cr and above to Less than Rs. 25 cr 5 N.A
31 days to 45 days Rs. 10 cr and above to Less than Rs. 25 cr 5.25 N.A
46 days to 60 days Rs. 10 cr and above to Less than Rs. 25 cr 5.75 N.A
61 days to 90 days Rs. 10 cr and above to Less than Rs. 25 cr 5.75 N.A
91 days to 120 days Rs. 10 cr and above to Less than Rs. 25 cr 5.9 N.A
121 days to 179 days Rs. 10 cr and above to Less than Rs. 25 cr 5.9 N.A
180 days Rs. 10 cr and above to Less than Rs. 25 cr 6 N.A
181 days to 270 days Rs. 10 cr and above to Less than Rs. 25 cr 6 N.A
271 days to less than 12 months Rs. 10 cr and above to Less than Rs. 25 cr 6.05 N.A
12 months to less than 15 months Rs. 10 cr and above to Less than Rs. 25 cr 6.05 N.A
15 months to less than 18 months Rs. 10 cr and above to Less than Rs. 25 cr 6.1 N.A
18 months to less than 2 years Rs. 10 cr and above to Less than Rs. 25 cr 6.1 N.A
2 years and above to less than 3 years Rs. 10 cr and above to Less than Rs. 25 cr 6.1 N.A
3 years and above to less than 4 years Rs. 10 cr and above to Less than Rs. 25 cr 6.15 N.A
4 years and above to less than 5 years Rs. 10 cr and above to Less than Rs. 25 cr 6.15 N.A
5 years and above upto 7 years Rs. 10 cr and above to Less than Rs. 25 cr 6 N.A

 

For Domestic Deposits - Rs. 25 cr and above (As on Jul 27, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 14 days Rs. 25 cr and above 4.5 N.A
15 days to 30 days Rs. 25 cr and above 5 N.A
31 days to 45 days Rs. 25 cr and above 5.25 N.A
46 days to 60 days Rs. 25 cr and above 5.75 N.A
61 days to 90 days Rs. 25 cr and above 5.75 N.A
91 days to 120 days Rs. 25 cr and above 5.9 N.A
121 days to 179 days Rs. 25 cr and above 5.9 N.A
180 days Rs. 25 cr and above 6 N.A
181 days to 270 days Rs. 25 cr and above 6 N.A
271 days to less than 12 months Rs. 25 cr and above 6.05 N.A
12 months to less than 15 months Rs. 25 cr and above 6.05 N.A
15 months to less than 18 months Rs. 25 cr and above 6.1 N.A
18 months to less than 2 years Rs. 25 cr and above 6.1 N.A
2 years and above to less than 3 years Rs. 25 cr and above 6.1 N.A
3 years and above to less than 4 years Rs. 25 cr and above 6.15 N.A
4 years and above to less than 5 years Rs. 25 cr and above 6.15 N.A
5 years and above upto 7 years Rs. 25 cr and above 6 N.A

 

For Domestic Deposits - Rs. 5 cr and above to Less than Rs. 10 cr (As on Jul 27, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 14 days Rs. 5 cr and above to Less than Rs. 10 cr 4.5 N.A
15 days to 30 days Rs. 5 cr and above to Less than Rs. 10 cr 5 N.A
31 days to 45 days Rs. 5 cr and above to Less than Rs. 10 cr 5.25 N.A
46 days to 60 days Rs. 5 cr and above to Less than Rs. 10 cr 5.75 N.A
61 days to 90 days Rs. 5 cr and above to Less than Rs. 10 cr 5.75 N.A
91 days to 120 days Rs. 5 cr and above to Less than Rs. 10 cr 5.9 N.A
121 days to 179 days Rs. 5 cr and above to Less than Rs. 10 cr 5.9 N.A
180 days Rs. 5 cr and above to Less than Rs. 10 cr 6 N.A
181 days to 270 days Rs. 5 cr and above to Less than Rs. 10 cr 6 N.A
271 days to less than 12 months Rs. 5 cr and above to Less than Rs. 10 cr 6.05 N.A
12 months to less than 15 months Rs. 5 cr and above to Less than Rs. 10 cr 6.05 N.A
15 months to less than 18 months Rs. 5 cr and above to Less than Rs. 10 cr 6.1 N.A
18 months to less than 2 years Rs. 5 cr and above to Less than Rs. 10 cr 6.1 N.A
2 years and above to less than 3 years Rs. 5 cr and above to Less than Rs. 10 cr 6.1 N.A
3 years and above to less than 4 years Rs. 5 cr and above to Less than Rs. 10 cr 6.15 N.A
4 years and above to less than 5 years Rs. 5 cr and above to Less than Rs. 10 cr 6.15 N.A
5 years and above upto 7 years Rs. 5 cr and above to Less than Rs. 10 cr 6 N.A

 

Tax Saver FD (Max Deposit - 1 LPA)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
Tax Saving Deposits - 5 year upto 10 year Upto Rs. 1 lakh 6 6.5

 

Tax Implications

  1. The amount invested in Fixed Deposit with a tenure of 5 years with Kotak Mahindra Bank is eligible for tax deduction under IT section 80C, whereas the interest earned on the investment is taxable.
  2. The applicable tax will be deducted at source, i.e. Kotak Mahindra Bank, in case the annual interest earned crosses Rs. 10,000.

 

For NRO Fixed Deposit - Less than Rs. 1 cr (As on Jul 13, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
7 days to 14 days Less than Rs. 1 cr 3.5
15 days to 30 days Less than Rs. 1 cr 4
31 days to 45 days Less than Rs. 1 cr 5
46 days to 90 days Less than Rs. 1 cr 5.5
91 days to 120 days Less than Rs. 1 cr 5.75
91 days to 179 days Less than Rs. 1 cr 6
180 days Less than Rs. 1 cr 6.5
181 days to 269 days Less than Rs. 1 cr 6.5
270 days Less than Rs. 1 cr 6.5
271 days to 363 days Less than Rs. 1 cr 6.5
364 days Less than Rs. 1 cr 6.75
365 days to 389 days Less than Rs. 1 cr 6.75
390 Days (12 months 25 days) Less than Rs. 1 cr 6.75
391 Days & above upto and inclusive of 699 Days Less than Rs. 1 cr 6.5
700 days (23 months) Less than Rs. 1 cr 6.5
701 days and above to less than 2 years Less than Rs. 1 cr 6.5
2 years to less than 3 years Less than Rs. 1 cr 6.5
3 years and above to less than 4 years Less than Rs. 1 cr 6.25
4 years and above to less than 5 years Less than Rs. 1 cr 6.25
5 years and above upto 10 years Less than Rs. 1 cr 6

 

For NRO Fixed Deposit - Rs. 1 cr and above to Less than Rs. 5 cr (As on Jul 27, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
7 days to 14 days Rs. 1 cr and above to Less than Rs. 5 cr 4.75
15 days to 30 days Rs. 1 cr and above to Less than Rs. 5 cr 5
31 days to 45 days Rs. 1 cr and above to Less than Rs. 5 cr 5
46 days to 60 days Rs. 1 cr and above to Less than Rs. 5 cr 5.25
61 days to 90 days Rs. 1 cr and above to Less than Rs. 5 cr 5.5
91 days to 120 days Rs. 1 cr and above to Less than Rs. 5 cr 6
121 days to 179 days Rs. 1 cr and above to Less than Rs. 5 cr 6
180 days Rs. 1 cr and above to Less than Rs. 5 cr 6.25
181 days to 270 days Rs. 1 cr and above to Less than Rs. 5 cr 6.25
271 days to less than 12 months Rs. 1 cr and above to Less than Rs. 5 cr 6.25
12 months to less than 15 months Rs. 1 cr and above to Less than Rs. 5 cr 6.5
15 months to less than 18 months Rs. 1 cr and above to Less than Rs. 5 cr 6.5
18 months to less than 2 years Rs. 1 cr and above to Less than Rs. 5 cr 6.25
2 years and above to less than 3 years Rs. 1 cr and above to Less than Rs. 5 cr 6
3 years and above to less than 4 years Rs. 1 cr and above to Less than Rs. 5 cr 6
4 years and above to less than 5 years Rs. 1 cr and above to Less than Rs. 5 cr 6
5 years and above upto 7 years Rs. 1 cr and above to Less than Rs. 5 cr 6

 

For NRO Fixed Deposit - Rs. 10 cr and above to Less than Rs. 25 cr (As on Jul 27, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
7 days to 14 days Rs. 10 cr and above to Less than Rs. 25 cr 4.5
15 days to 30 days Rs. 10 cr and above to Less than Rs. 25 cr 5
31 days to 45 days Rs. 10 cr and above to Less than Rs. 25 cr 5.25
46 days to 60 days Rs. 10 cr and above to Less than Rs. 25 cr 5.75
61 days to 90 days Rs. 10 cr and above to Less than Rs. 25 cr 5.75
91 days to 120 days Rs. 10 cr and above to Less than Rs. 25 cr 5.9
121 days to 179 days Rs. 10 cr and above to Less than Rs. 25 cr 5.9
180 days Rs. 10 cr and above to Less than Rs. 25 cr 6
181 days to 270 days Rs. 10 cr and above to Less than Rs. 25 cr 6
271 days to less than 12 months Rs. 10 cr and above to Less than Rs. 25 cr 6.05
12 months to less than 15 months Rs. 10 cr and above to Less than Rs. 25 cr 6.05
15 months to less than 18 months Rs. 10 cr and above to Less than Rs. 25 cr 6.1
18 months to less than 2 years Rs. 10 cr and above to Less than Rs. 25 cr 6.1
2 years and above to less than 3 years Rs. 10 cr and above to Less than Rs. 25 cr 6.1
3 years and above to less than 4 years Rs. 10 cr and above to Less than Rs. 25 cr 6.15
4 years and above to less than 5 years Rs. 10 cr and above to Less than Rs. 25 cr 6.15
5 years and above upto 7 years Rs. 10 cr and above to Less than Rs. 25 cr 6

 

For NRO Fixed Deposit - Rs. 25 cr and above (As on Jul 27, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
7 days to 14 days Rs. 25 cr and above 4.5
15 days to 30 days Rs. 25 cr and above 5
31 days to 45 days Rs. 25 cr and above 5.25
46 days to 60 days Rs. 25 cr and above 5.75
61 days to 90 days Rs. 25 cr and above 5.75
91 days to 120 days Rs. 25 cr and above 5.9
121 days to 179 days Rs. 25 cr and above 5.9
180 days Rs. 25 cr and above 6
181 days to 270 days Rs. 25 cr and above 6
271 days to less than 12 months Rs. 25 cr and above 6.05
12 months to less than 15 months Rs. 25 cr and above 6.05
15 months to less than 18 months Rs. 25 cr and above 6.1
18 months to less than 2 years Rs. 25 cr and above 6.1
2 years and above to less than 3 years Rs. 25 cr and above 6.1
3 years and above to less than 4 years Rs. 25 cr and above 6.15
4 years and above to less than 5 years Rs. 25 cr and above 6.15
5 years and above upto 7 years Rs. 25 cr and above 6

 

For NRO Fixed Deposit - Rs. 5 cr and above to Less than Rs. 10 cr (As on Jul 27, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
7 days to 14 days Rs. 5 cr and above to Less than Rs. 10 cr 4.5
15 days to 30 days Rs. 5 cr and above to Less than Rs. 10 cr 5
31 days to 45 days Rs. 5 cr and above to Less than Rs. 10 cr 5.25
46 days to 60 days Rs. 5 cr and above to Less than Rs. 10 cr 5.75
61 days to 90 days Rs. 5 cr and above to Less than Rs. 10 cr 5.75
91 days to 120 days Rs. 5 cr and above to Less than Rs. 10 cr 5.9
121 days to 179 days Rs. 5 cr and above to Less than Rs. 10 cr 5.9
180 days Rs. 5 cr and above to Less than Rs. 10 cr 6
181 days to 270 days Rs. 5 cr and above to Less than Rs. 10 cr 6
271 days to less than 12 months Rs. 5 cr and above to Less than Rs. 10 cr 6.05
12 months to less than 15 months Rs. 5 cr and above to Less than Rs. 10 cr 6.05
15 months to less than 18 months Rs. 5 cr and above to Less than Rs. 10 cr 6.1
18 months to less than 2 years Rs. 5 cr and above to Less than Rs. 10 cr 6.1
2 years and above to less than 3 years Rs. 5 cr and above to Less than Rs. 10 cr 6.1
3 years and above to less than 4 years Rs. 5 cr and above to Less than Rs. 10 cr 6.15
4 years and above to less than 5 years Rs. 5 cr and above to Less than Rs. 10 cr 6.15
5 years and above upto 7 years Rs. 5 cr and above to Less than Rs. 10 cr 6

 

For NRE Fixed Deposit - Less than Rs. 1 cr (As on Jul 13, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
365 days to 389 days Less than Rs. 1 cr 6.75
390 Days (12 months 25 days) Less than Rs. 1 cr 6.75
391 Days & above upto and inclusive of 699 Days Less than Rs. 1 cr 6.5
700 days (23 months) Less than Rs. 1 cr 6.5
701 days and above to less than 2 years Less than Rs. 1 cr 6.5
2 years to less than 3 years Less than Rs. 1 cr 6.5
3 years and above to less than 4 years Less than Rs. 1 cr 6.25
4 years and above to less than 5 years Less than Rs. 1 cr 6.25
5 years and above upto 10 years Less than Rs. 1 cr 6

 

For NRE Fixed Deposit - Rs. 1 cr and above to Less than Rs. 5 cr (As on Jul 27, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
12 months to less than 15 months Rs. 1 cr and above to Less than Rs. 5 cr 6.5
15 months to less than 18 months Rs. 1 cr and above to Less than Rs. 5 cr 6.5
18 months to less than 2 years Rs. 1 cr and above to Less than Rs. 5 cr 6.25
2 years and above to less than 3 years Rs. 1 cr and above to Less than Rs. 5 cr 6
3 years and above to less than 4 years Rs. 1 cr and above to Less than Rs. 5 cr 6
4 years and above to less than 5 years Rs. 1 cr and above to Less than Rs. 5 cr 6
5 years and above upto 7 years Rs. 1 cr and above to Less than Rs. 5 cr 6

 

For NRE Fixed Deposit - Rs. 10 cr and above to Less than Rs. 25 cr (As on Jul 27, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
12 months to less than 15 months Rs. 10 cr and above to Less than Rs. 25 cr 6.05
15 months to less than 18 months Rs. 10 cr and above to Less than Rs. 25 cr 6.1
18 months to less than 2 years Rs. 10 cr and above to Less than Rs. 25 cr 6.1
2 years and above to less than 3 years Rs. 10 cr and above to Less than Rs. 25 cr 6.1
3 years and above to less than 4 years Rs. 10 cr and above to Less than Rs. 25 cr 6.15
4 years and above to less than 5 years Rs. 10 cr and above to Less than Rs. 25 cr 6.15
5 years and above upto 7 years Rs. 10 cr and above to Less than Rs. 25 cr 6

 

For NRE Fixed Deposit - Rs. 25 cr and above (As on Jul 27, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
12 months to less than 15 months Rs. 25 cr and above 6.05
15 months to less than 18 months Rs. 25 cr and above 6.1
18 months to less than 2 years Rs. 25 cr and above 6.1
2 years and above to less than 3 years Rs. 25 cr and above 6.1
3 years and above to less than 4 years Rs. 25 cr and above 6.15
4 years and above to less than 5 years Rs. 25 cr and above 6.15
5 years and above upto 7 years Rs. 25 cr and above 6

 

For NRE Fixed Deposit - Rs. 5 cr and above to Less than Rs. 10 cr (As on Jul 27, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
12 months to less than 15 months Rs. 5 cr and above to Less than Rs. 10 cr 6.05
15 months to less than 18 months Rs. 5 cr and above to Less than Rs. 10 cr 6.1
18 months to less than 2 years Rs. 5 cr and above to Less than Rs. 10 cr 6.1
2 years and above to less than 3 years Rs. 5 cr and above to Less than Rs. 10 cr 6.1
3 years and above to less than 4 years Rs. 5 cr and above to Less than Rs. 10 cr 6.15
4 years and above to less than 5 years Rs. 5 cr and above to Less than Rs. 10 cr 6.15
5 years and above upto 7 years Rs. 5 cr and above to Less than Rs. 10 cr 6

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