Kotak FD Interest Rates 2026
Preset to Kotak's current fd rates rate of 7.1%. Change any value to see your own numbers.
- Current rate 7.10%
- Range 3.00–7.10%
- Rank #2 of 8 banks
- Verified 16 July 2026
Kotak FD Calculator
- Principal₹1,00,000
- Interest @ 7.1%₹7,291
- Maturity amount₹1,07,291
Principal vs interest
- Principal ₹1,00,000
- Interest ₹7,291
Kotak FD interest rates 2026
| Tenure / slab | Rate | Senior citizen |
|---|---|---|
| 7–45 days | 3.00% | 3.50% |
| 46–180 days | 5.50% | 6.00% |
| 1 year | 7.10% | 7.60% |
| 2–3 years | 7.00% | 7.50% |
| 5 years | 6.20% | 6.70% |
Kotak Mahindra Bank pays 7.1% on a 1-year fixed deposit as of 16 July 2026, with senior citizens earning about 0.50% more. The calculator above is preset to that rate so you can see your maturity instantly.
Kotak's fixed deposit rates range from 3.00% to 7.10% across tenures. Below is the full Kotak rate table, the deposit rules that matter, and how Kotak stacks up against the 8 banks we track.
Kotak FD — key facts
- 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.
How Kotak compares
Kotak's FD rate is above the category median — competitive, but AU SFB pays more at 7.25%.
Kotak FD FAQs
What is Kotak's FD interest rate in 2026?
Kotak Mahindra Bank pays 7.1% on a 1-year FD, with rates across tenures ranging from 3% to 7.1%.
What FD rate do senior citizens get at Kotak?
Senior citizens earn about 7.6% on a 1-year deposit — typically 0.50% above the regular rate. Turn on the senior-citizen option in the calculator to include it.
Is there a penalty for breaking a Kotak FD early?
Deposits are insured by DICGC up to ₹5,00,000 per depositor per bank.
Are Kotak deposits safe?
Deposits are insured by DICGC up to ₹5,00,000 per depositor per bank.