Kotak Mahindra Bank FD Interest Rates 2025
Kotak Mahindra Bank offers Fixed-Deposit (FD) schemes that provide safe and stable returns for a fixed amount of time. The interest rates range from 2.75 to 7.25 % p.a., with a minimum deposit of Rs. 5000 and tenures ranging from 7 days to 10 years. Keep reading this blog to learn more about Kotak Mahindra FD and its interest rates.
Highlights for 2025 Fixed Deposit Scheme of Kotak Mahindra Bank
Tenure | 7 days to 10 years |
Senior Citizen Interest Rates | 3.25-7.80% p.a. |
Public Interest Rates | 2.75-7.25% p.a. |
Highest Interest Rates for Public | 7.25% p.a. |
Highest Interest Rates for Senior Citizens | 7.80% p.a. |
Premature Withdrawal | 0.5%. Penalty |
Minimum Deposit Amount | Rs 5,000 |
Interest Rates of FD for Kotak Mahindra Bank 2025
FD interest rates for the deposits of below Rs.2 crore are given below. These rates are applicable for the Domestic, NRO and NRE.
| Tenure | FD Rates for Regular Customers (% p.a.)* | FD Rates for Senior Citizens (% p.a.)* |
| 7 days to 14 days | 2.75 | 3.25 |
| 15 days to 30 days | 3.00 | 3.50 |
| 31 days to 45 days | 3.25 | 3.75 |
| 46 days to 90 days | 3.50 | 4.00 |
| 91 days to 120 days | 4.00 | 4.50 |
| 121 days to 179 days | 4.25 | 4.75 |
| 180 days | 7.00 | 7.50 |
| 181 days to 269 days | 6.00 | 6.50 |
| 270 days | 6.00 | 6.50 |
| 271 days to 363 days | 6.00 | 6.50 |
| 364 days | 6.50 | 7.00 |
| 365 days to 389 days | 7.10 | 7.60 |
| 390 days, i.e. 12 months 25 days | 7.25 | 7.75 |
| 391 days to less than 23 months | 7.30 | 7.80 |
| 23 months | 7.25 | 7.75 |
| 23 months 1 day to less than 2 years | 7.15 | 7.65 |
| 2 years to less than 3 years | 7.15 | 7.65 |
| 3 years to less than 4 years | 7.00 | 7.50 |
| 4 years to less than 5 years | 7.00 | 7.50 |
| 5 years to 10 years | 6.20 | 6.70 |
*Interest Rates as of 9th April 2025.
Types of FD Schemes Offered by Kotak Mahindra Bank
Kotak Mahindra Bank offers several types of FD accounts to its customers.
Type of FD Scheme | Minimum Deposit | Tenure | Features | Other Details |
Regular Fixed Deposit | Rs. 5,000 | 7 days to 10 years |
| Suitable for general savings with flexible payout options and liquidity via premature withdrawal. |
Senior Citizen FD | Rs. 5,000 | 7 days to 10 years |
| Monthly payout FDs require a minimum tenure of 181 days; discounted interest applies to monthly payouts. |
Tax Saving FD | Rs. 100 | 5 to 10 years |
| Suitable for tax-saving investments. Interest can be received quarterly or at maturity. A nominee can be appointed. |
Special Features and Benefits of Kotak Mahindra Bank Fixed Deposit
- Kotak Mahindra Bank offers attractive interest rates on all FD schemes.
- Deposit a sum as low as Rs 5,000 to open an FD account with the bank.
- Choose the tenure suitable for you that can be anything in the range of 7 days and 10 years.
- Sweep in facility is available to enjoy the liquidity in saving or current account.
- Flexibility to choose interest payment intervals, i.e. monthly, quarterly or on maturity.
- Senior Citizens' rate is not applicable on NRO/NRE deposits.
- Enjoy high liquidity as partial and premature withdrawal of fixed deposit is allowed.
- Nomination facility is available to any family member.
Eligibility Criteria for Kotak Mahindra Bank FD
You must fulfil one of the following eligibility criteria to open an FD account with the bank:
- Individuals
- Joint accounts for 2 or more individuals
- Partnership firms
- Trusts
- Minors
- Blind people
- Illiterate people
- Hindu undivided families
- Limited companies and partnership firms
- Municipalities and panchayats
- Charitable, religious, and educational institutions
- Associations, societies, clubs, etc.
- Sole proprietary concerns
Documents Required for Kotak Mahindra Bank FD
- Identity Proof
- Passport
- PAN card
- Voter ID card
- Driving license
- Government ID card
- Photo ration card
- Senior citizen ID card
- Address Proof
- Passport
- Telephone bill
- Electricity bill
- Bank statement with a cheque
- Certificate/ID card issued by post office.
Premature Withdrawal Penalty on Kotak Mahindra Bank Fixed Deposit
Penalty rate given in the table are applicable for Domestic, NRO and NRE accounts. Depositors will receive the money after deducting the penal rate from applicable rate of FD.
| Tenure | Penalty |
| Less than equal to 181 days | NIL |
| Greater than 180 days to 364 days | 0.50% |
| 365 days and above | 1.00% |
FD Interest Rate Calculator
Visit our easy-to-use FD calculator page to predict the returns you may receive upon putting your money in a fixed deposit account.
Other Kotak Bank Pages:
1. Kotak Bank Mobile Banking
2. Kotak Credit Card Cash Withdrawal Charges
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