KOKotak Mahindra Bank Calculators & Rates 2026Private bank
Current Kotak loan and deposit rates, each wired to a calculator preset to that rate — plus how Kotak compares with other banks.
How Kotak compares with other banks
Kotak's home loan rate of 8.70% is the 5th lowest of 7 banks (best: PNB at 8.35%) — exactly the median of the banks we track.
Kotak's personal loan rate of 10.99% is the 4th lowest of 8 banks (best: HDFC at 10.75%) — 0.03 percentage points below the 11.02% median.
Kotak's car loan rate of 9.15% is the 5th lowest of 7 banks (best: BoB at 8.85%) — 0.05 percentage points above the 9.10% median.
Kotak's 1-year FD rate of 7.10% is the 2nd highest of 8 banks (best: AU SFB at 7.25%) — 0.30 percentage points above the 6.80% median.
Kotak's 1-year RD rate of 7.00% is the 2nd highest of 8 banks (best: AU SFB at 7.20%) — 0.25 percentage points above the 6.75% median.
Rankings use each bank’s headline rate; your offered rate depends on amount, tenure and credit profile, so treat these as a shortlist, not a verdict. The full picture per product — slab-wise tables and every bank side by side — is on FD rates and all banks.
Kotak fees and rules that matter
The rate is only half the cost of a banking product. These are the charges and conditions from Kotak’s own product terms that most change what you actually pay or receive:
Home loan
- Home loan repayment tenure is available up to 30 years, with eligibility assessed on income, age and CIBIL score.
- Floating-rate home loans to individual borrowers carry no prepayment or foreclosure charges, per RBI rules.
- A balance-transfer facility lets you shift an existing home loan from another lender to Kotak at applicable rates.
- Loan amounts typically start around ₹5,00,000, with higher-value cases requiring additional income documentation.
Personal loan
- Personal loans of up to ₹40,00,000 are offered to eligible salaried applicants.
- Repayment tenure ranges up to 6 years (72 months).
- No collateral or guarantor is required; approval depends on income and credit profile.
- Part-prepayment and foreclosure are permitted after a minimum number of EMIs, subject to charges.
Car loan
- New-car finance of up to 90% of the on-road price is available for eligible borrowers.
- Repayment tenure extends up to 7 years (84 months) on new cars.
- Used-car loans are offered for vehicles typically up to a defined age at loan maturity.
- The loan can cover the vehicle plus registration and insurance, subject to the funding cap.
FD · 1 year
- Deposits are insured by DICGC up to ₹5,00,000 per depositor per bank.
- Senior citizens earn an additional 0.50% over the applicable card rate.
- Kotak's ActivMoney sweep-in links your savings account to a fixed deposit for liquidity.
- Fixed deposits can be booked for tenures ranging from 7 days to 10 years.
RD · 1 year
- Recurring deposits can be opened with monthly installments starting from ₹100.
- RD balances are insured by DICGC up to ₹5,00,000 per depositor per bank.
- Senior citizens receive an additional 0.50% over the standard recurring-deposit rate.
- Missed-installment penalties may apply, and the account can be closed prematurely subject to rules.
All Kotak rates on this page were verified on 16 July 2026. Rates are indicative seed values; confirm with Kotak before acting.