How can you earn more on your investment?
Banks periodically revise FD interest rates. Comparing tenures and rates across banks — including Kotak Mahindra Bank — can help you find a scenario that better fits your goals. Digifinn’s Kotak Bank FD Calculator lets you model the interest and maturity estimate for the rate and tenure you choose.
If you are considering a Kotak Bank FD, enter the applicable rate from the bank’s published grid and review Digifinn’s estimate before you decide. Interest and maturity figures from the calculator are planning aids only — not a confirmation of what the bank will pay.
How can a Kotak Bank Fixed Deposit Calculator help you?
Digifinn’s Kotak Bank FD Calculator is a free planning tool for investors considering bank FDs. You can compare scenarios by adjusting amount, tenure, and rate. Features that help include:
- Financial planning — estimate maturity value for a chosen tenure and rate
- Time saving — avoid lengthy manual interest calculations
- Clearer comparisons — adjust inputs to compare different scenarios
- Convenience — use the tool anytime on Digifinn at no cost
What information do you need to use the Kotak Bank FD Calculator?
Enter a few details: the amount you plan to deposit, tenure, interest rate, and payout preference (on maturity / cumulative-style estimate, monthly, or quarterly). For short tenures (often about 7 days to 180 days), use the rate that matches that short-term band from Kotak’s official rate card.
Kotak Mahindra Bank FD Interest Rates (illustrative — domestic / NRO, premature withdrawal allowed)
The rates below are published for educational illustration based on publicly shared Kotak Mahindra Bank tenure slabs. They may be outdated and are not Digifinn’s rates. Verify the latest Kotak FD rates on the bank’s official channels before investing.
| Tenure | Interest rates for general citizens (p.a.) | Interest rates for senior citizens (p.a.) |
|---|
| 7 days – 14 days | 2.75% | 3.25% |
| 15 days – 30 days | 2.75% | 3.25% |
| 31 days – 45 days | 3.00% | 3.50% |
| 46 days – 90 days | 3.50% | 4.00% |
| 91 days | 5.00% | 5.50% |
| 92 days – 179 days | 4.25% | 4.75% |
| 180 days | 5.75% | 6.25% |
| 181 days to 269 days | 5.50% | 6.00% |
| 270 days | 5.50% | 6.00% |
| 271 days to 363 days | 6.00% | 6.50% |
| 364 days | 6.00% | 6.50% |
| 365 days to 389 days | 6.25% | 6.75% |
| 390 days (12 months 25 days) | 6.50% | 7.00% |
| 391 days – less than 23 months | 6.60% | 7.10% |
| 23 months | 6.60% | 7.10% |
| 23 months 1 day – less than 2 years | 6.50% | 7.00% |
| 2 years – less than 3 years | 6.40% | 6.90% |
| 3 years and above but less than 4 years | 6.40% | 6.90% |
| 4 years and above but less than 5 years | 6.40% | 6.90% |
| 5 years and above up to and inclusive of 10 years | 6.25% | 6.75% |
