Kotak RD Calculator
Preset to Kotak's current rd calculator rate of 7%. Change any value to see your own numbers.
- Current rate 7.00%
- Range 3.00–7.00%
- Rank #2 of 8 banks
- Verified 16 July 2026
Kotak RD Calculator
- Total deposited₹60,000
- Interest earned₹2,671
- Maturity amount₹62,671
Deposits vs interest
- Deposited ₹60,000
- Interest ₹2,671
Kotak RD interest rates 2026
| Tenure / slab | Rate | Senior citizen |
|---|---|---|
| 7–45 days | 3.00% | 3.50% |
| 46–180 days | 5.40% | 5.90% |
| 1 year | 7.00% | 7.50% |
| 2–3 years | 6.90% | 7.40% |
| 5 years | 6.20% | 6.70% |
Kotak Mahindra Bank pays 7% on a 1-year recurring deposit as of 16 July 2026. The calculator above is preset to that rate so you can see your maturity instantly.
Kotak's recurring deposit rates range from 3.00% to 7.00% 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 RD — key facts
- 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.
How Kotak compares
Kotak's RD rate is above the category median — competitive, but AU SFB pays more at 7.20%.
Kotak RD FAQs
What is Kotak's RD interest rate in 2026?
Kotak Mahindra Bank pays 7% on a 1-year RD, with rates across tenures ranging from 3% to 7%.
What RD rate do senior citizens get at Kotak?
Senior citizens earn about 7.5% 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 RD early?
Missed-installment penalties may apply, and the account can be closed prematurely subject to rules.
Are Kotak deposits safe?
RD balances are insured by DICGC up to ₹5,00,000 per depositor per bank.