Fixed deposits
FD · GeneralFD
w.e.f. 2026-06-1018 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 - 14 Days | ₹5,000 – ₹3,00,00,000 | 2.75% |
| 15 - 30 Days | ₹5,000 – ₹3,00,00,000 | 2.75% |
| 31 - 45 Days | ₹5,000 – ₹3,00,00,000 | 3.00% |
| 46 - 90 Days | ₹5,000 – ₹3,00,00,000 | 3.50% |
| 91 Days | ₹5,000 – ₹3,00,00,000 | 4.00% |
| 92 Days - 179 Days | ₹5,000 – ₹3,00,00,000 | 4.25% |
| 180 Days | ₹5,000 – ₹3,00,00,000 | 5.00% |
| 181 Days to 269 Days | ₹5,000 – ₹3,00,00,000 | 5.50% |
| 270 Days | ₹5,000 – ₹3,00,00,000 | 5.50% |
| 271 Days to 363 Days | ₹5,000 – ₹3,00,00,000 | 6.00% |
| 364 Days | ₹5,000 – ₹3,00,00,000 | 6.00% |
| 365 Days to less than 15 Months | ₹5,000 – ₹3,00,00,000 | 6.35% |
| 15 Months - less than 18 Months | ₹5,000 – ₹3,00,00,000 | 6.45% |
| 18 months - less than 2 years | ₹5,000 – ₹3,00,00,000 | 6.55% |
| 2 years- less than 3 years | ₹5,000 – ₹3,00,00,000 | 6.80% |
| 3 years and above but less than 4 years | ₹5,000 – ₹3,00,00,000 | 6.40% |
| 4 years and above but less than 5 years | ₹5,000 – ₹3,00,00,000 | 6.40% |
| 5 years and above upto and inclusive of 10 years | ₹5,000 – ₹3,00,00,000 | 6.25% |
FD · Senior CitizenFD_SC
w.e.f. 2026-06-1018 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 - 14 Days | ₹5,000 – ₹3,00,00,000 | 3.25% |
| 15 - 30 Days | ₹5,000 – ₹3,00,00,000 | 3.25% |
| 31 - 45 Days | ₹5,000 – ₹3,00,00,000 | 3.50% |
| 46 - 90 Days | ₹5,000 – ₹3,00,00,000 | 4.00% |
| 91 Days | ₹5,000 – ₹3,00,00,000 | 4.50% |
| 92 Days - 179 Days | ₹5,000 – ₹3,00,00,000 | 4.75% |
| 180 Days | ₹5,000 – ₹3,00,00,000 | 5.50% |
| 181 Days to 269 Days | ₹5,000 – ₹3,00,00,000 | 6.00% |
| 270 Days | ₹5,000 – ₹3,00,00,000 | 6.00% |
| 271 Days to 363 Days | ₹5,000 – ₹3,00,00,000 | 6.50% |
| 364 Days | ₹5,000 – ₹3,00,00,000 | 6.50% |
| 365 Days to less than 15 Months | ₹5,000 – ₹3,00,00,000 | 6.85% |
| 15 Months - less than 18 Months | ₹5,000 – ₹3,00,00,000 | 6.95% |
| 18 months - less than 2 years | ₹5,000 – ₹3,00,00,000 | 7.05% |
| 2 years- less than 3 years | ₹5,000 – ₹3,00,00,000 | 7.30% |
| 3 years and above but less than 4 years | ₹5,000 – ₹3,00,00,000 | 6.90% |
| 4 years and above but less than 5 years | ₹5,000 – ₹3,00,00,000 | 6.90% |
| 5 years and above upto and inclusive of 10 years | ₹5,000 – ₹3,00,00,000 | 6.75% |
Tax-saver deposits (80C)
Tax SaverFD_TAX
w.e.f. 2026-06-101 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 Years (Tax Saver)inherited_from_fd | ₹5,000 – ₹1,50,000 | 6.25% |
Tax Saver SCFD_TAX_SC
w.e.f. 2026-06-101 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 Years (Tax Saver)inherited_from_fd | ₹5,000 – ₹1,50,000 | 6.75% |
Recurring deposits
RDRD
w.e.f. 2026-06-1013 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 Months | ₹100 and above | 5.50% |
| 9 Months | ₹100 and above | 6.00% |
| 12 Months | ₹100 and above | 6.35% |
| 15 Months | ₹100 and above | 6.45% |
| 18 Months | ₹100 and above | 6.55% |
| 21 Months | ₹100 and above | 6.55% |
| 24 Months | ₹100 and above | 6.80% |
| 27 Months | ₹100 and above | 6.80% |
| 30 Months | ₹100 and above | 6.80% |
| 33 Months | ₹100 and above | 6.80% |
| 3 years - less than 4 years | ₹100 and above | 6.40% |
| 4 years - less than 5 years | ₹100 and above | 6.40% |
| 5 years - 10years | ₹100 and above | 6.25% |
RD · SCRD_SC
w.e.f. 2026-06-1013 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 Months | ₹100 and above | 6.00% |
| 9 Months | ₹100 and above | 6.50% |
| 12 Months | ₹100 and above | 6.85% |
| 15 Months | ₹100 and above | 6.95% |
| 18 Months | ₹100 and above | 7.05% |
| 21 Months | ₹100 and above | 7.05% |
| 24 Months | ₹100 and above | 7.30% |
| 27 Months | ₹100 and above | 7.30% |
| 30 Months | ₹100 and above | 7.30% |
| 33 Months | ₹100 and above | 7.30% |
| 3 years - less than 4 years | ₹100 and above | 6.90% |
| 4 years - less than 5 years | ₹100 and above | 6.90% |
| 5 years - 10years | ₹100 and above | 6.75% |
Savings accounts
SavingsSAVINGS
w.e.f. 2025-07-091 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| All balances | ₹0 and above | 2.50% |
NRE SavingsNRE_SAVINGS
w.e.f. 2025-07-091 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| All balances | ₹0 and above | 2.50% |
NRO SavingsNRO_SAVINGS
w.e.f. 2025-07-091 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| All balances | ₹0 and above | 2.50% |
NRI deposits
NRENRE
w.e.f. 2026-06-107 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 365 Days to less than 15 Months | ₹5,000 – ₹3,00,00,000 | 6.35% |
| 15 Months - less than 18 Months | ₹5,000 – ₹3,00,00,000 | 6.45% |
| 18 months - less than 2 years | ₹5,000 – ₹3,00,00,000 | 6.55% |
| 2 years- less than 3 years | ₹5,000 – ₹3,00,00,000 | 6.80% |
| 3 years and above but less than 4 years | ₹5,000 – ₹3,00,00,000 | 6.40% |
| 4 years and above but less than 5 years | ₹5,000 – ₹3,00,00,000 | 6.40% |
| 5 years and above upto and inclusive of 10 years | ₹5,000 – ₹3,00,00,000 | 6.25% |
NRONRO
w.e.f. 2026-06-1018 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 - 14 Days | ₹5,000 – ₹3,00,00,000 | 2.75% |
| 15 - 30 Days | ₹5,000 – ₹3,00,00,000 | 2.75% |
| 31 - 45 Days | ₹5,000 – ₹3,00,00,000 | 3.00% |
| 46 - 90 Days | ₹5,000 – ₹3,00,00,000 | 3.50% |
| 91 Days | ₹5,000 – ₹3,00,00,000 | 4.00% |
| 92 Days - 179 Days | ₹5,000 – ₹3,00,00,000 | 4.25% |
| 180 Days | ₹5,000 – ₹3,00,00,000 | 5.00% |
| 181 Days to 269 Days | ₹5,000 – ₹3,00,00,000 | 5.50% |
| 270 Days | ₹5,000 – ₹3,00,00,000 | 5.50% |
| 271 Days to 363 Days | ₹5,000 – ₹3,00,00,000 | 6.00% |
| 364 Days | ₹5,000 – ₹3,00,00,000 | 6.00% |
| 365 Days to less than 15 Months | ₹5,000 – ₹3,00,00,000 | 6.35% |
| 15 Months - less than 18 Months | ₹5,000 – ₹3,00,00,000 | 6.45% |
| 18 months - less than 2 years | ₹5,000 – ₹3,00,00,000 | 6.55% |
| 2 years- less than 3 years | ₹5,000 – ₹3,00,00,000 | 6.80% |
| 3 years and above but less than 4 years | ₹5,000 – ₹3,00,00,000 | 6.40% |
| 4 years and above but less than 5 years | ₹5,000 – ₹3,00,00,000 | 6.40% |
| 5 years and above upto and inclusive of 10 years | ₹5,000 – ₹3,00,00,000 | 6.25% |
RFC · USD (returned NRI)RFC_USD
w.e.f. 2026-07-20USD10 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 30 days - Less than 6 months | up to USD 500,000 | 0.75% |
| 30 days - Less than 6 months | USD 500,000 and above | 0.75% |
| 6 months - Less than 1 Year | up to USD 500,000 | 1.50% |
| 6 months - Less than 1 Year | USD 500,000 and above | 1.50% |
| >=1 Year - Less than 2 years | up to USD 500,000 | 4.00% |
| >=1 Year - Less than 2 years | USD 500,000 and above | 4.00% |
| 2 year - Less than 3 Year | up to USD 500,000 | 3.70% |
| 2 year - Less than 3 Year | USD 500,000 and above | 3.70% |
| 3 Years Only | up to USD 500,000 | 3.40% |
| 3 Years Only | USD 500,000 and above | 3.40% |
RFC · GBP (returned NRI)RFC_GBP
w.e.f. 2026-07-20GBP5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 30 days - Less than 6 months | — | 0.25% |
| 6 months - Less than 1 Year | — | 0.50% |
| >=1 Year - Less than 2 years | — | 3.95% |
| 2 year - Less than 3 Year | — | 3.65% |
| 3 Years Only | — | 3.45% |
RFC · EUR (returned NRI)RFC_EUR
w.e.f. 2026-07-20EUR3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| >=1 Year - Less than 2 years | — | 2.40% |
| 2 year - Less than 3 Year | — | 1.90% |
| 3 Years Only | — | 1.90% |
RFC · SGD (returned NRI)RFC_SGD
w.e.f. 2026-07-20SGD4 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 30 days - Less than 6 months | — | 0.01% |
| 6 months - Less than 1 Year | — | 0.01% |
| >=1 Year - Less than 2 years | — | 1.25% |
| 2 year - Less than 3 Year | — | 1.10% |
RFC · AUD (returned NRI)RFC_AUD
w.e.f. 2026-07-20AUD5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 30 days - Less than 6 months | — | 0.01% |
| 6 months - Less than 1 Year | — | 0.01% |
| >=1 Year - Less than 2 years | — | 4.50% |
| 2 year - Less than 3 Year | — | 4.15% |
| 3 Years Only | — | 3.85% |
FCNR — callable
FCNR · USD · CallableFCNR_USD
w.e.f. 2026-07-20USD4 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| >=1 Year - <2 Year | up to USD 500,000 | 4.00% |
| >=1 Year - <2 Year | USD 500,000 and above | 4.00% |
| 2 Year - <3 Year | up to USD 500,000 | 3.70% |
| 2 Year - <3 Year | USD 500,000 and above | 3.70% |
FCNR · GBP · CallableFCNR_GBP
w.e.f. 2026-07-20GBP3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| >=1 Year - <2 Year | — | 3.95% |
| 2 Year - <3 Year | — | 3.65% |
| 3 Year - <4 Year | — | 3.45% |
FCNR · EUR · CallableFCNR_EUR
w.e.f. 2026-07-20EUR3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| >=1 Year - <2 Year | — | 2.40% |
| 2 Year - <3 Year | — | 1.90% |
| 3 Year - <4 Year | — | 1.90% |
FCNR · AUD · CallableFCNR_AUD
w.e.f. 2026-07-20AUD3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| >=1 Year - <2 Year | — | 4.50% |
| 2 Year - <3 Year | — | 4.15% |
| 3 Year - <4 Year | — | 3.85% |
FCNR · SGD · CallableFCNR_SGD
w.e.f. 2026-07-20SGD2 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| >=1 Year - <2 Year | — | 1.25% |
| 2 Year - <3 Year | — | 1.10% |
FCNR — non-callable
FCNR · USD · Non-CallableFCNR_USD_NC
w.e.f. 2026-07-20USD6 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 3 Year - <4 Year | up to USD 500,000 | 6.00% |
| 3 Year - <4 Year | USD 500,000 and above | 6.15% |
| 4 Year - <5 Year | up to USD 500,000 | 6.00% |
| 4 Year - <5 Year | USD 500,000 and above | 6.15% |
| 5 Year Only | up to USD 500,000 | 6.00% |
| 5 Year Only | USD 500,000 and above | 6.15% |
If you break it early
Not yet verified
We have not read and recorded Kotak Mahindra Bank’s premature-withdrawal terms for FD · General, FD · Senior Citizen, Tax Saver, Tax Saver SC, RD, RD · SC, Savings, NRE Savings, NRO Savings, NRE, NRO, RFC · USD (returned NRI), RFC · GBP (returned NRI), RFC · EUR (returned NRI), RFC · SGD (returned NRI), RFC · AUD (returned NRI), FCNR · USD · Callable, FCNR · GBP · Callable, FCNR · EUR · Callable, FCNR · AUD · Callable, FCNR · SGD · Callable, FCNR · USD · Non-Callable. That is not a statement that breaking these is free. It means nobody has yet read the bank’s own wording for them. Ask the bank before you assume a cost.
Not offered by Kotak Mahindra Bank
36 products we track are confirmed absent from this bank — each verdict recorded against the page that was read. Products missing from both lists are ones we have not yet established either way.
Fixed deposits
Tax-saver deposits (80C)
- Tax Saver SSCsource ↗checked 2026-07-20
Recurring deposits
- RD · SSCsource ↗checked 2026-07-20
Auto-sweep
NRI deposits
- NRE · Non-Callablesource ↗checked 2026-07-20
- NRO · Non-Callablesource ↗checked 2026-07-20
- RFC · CAD (returned NRI)source ↗checked 2026-07-20
- RFC · CHF (returned NRI)source ↗checked 2026-07-20
- RFC · HKD (returned NRI)source ↗checked 2026-07-20
- RFC · NZD (returned NRI)source ↗checked 2026-07-20
- RFC · SEK (Krona) (returned NRI)source ↗checked 2026-07-20
- RFC · YEN (JPY) (returned NRI)source ↗checked 2026-07-20
- RFC Savings (returned NRI)source ↗checked 2026-07-20
FCNR — callable
- FCNR · CAD · Callablesource ↗checked 2026-07-14
- FCNR · CHF · Callablesource ↗checked 2026-07-14
- FCNR · HKD · Callablesource ↗checked 2026-07-14
- FCNR · NZD · Callablesource ↗checked 2026-07-14
- FCNR · SEK (Krona) · Callablesource ↗checked 2026-07-20
- FCNR · SEK (Krona) · Non-Callablesource ↗checked 2026-07-20
- FCNR · YEN (JPY) · Callablesource ↗checked 2026-07-20
FCNR — non-callable
- FCNR · AUD · Non-Callablesource ↗checked 2026-07-20
- FCNR · CAD · Non-Callablesource ↗checked 2026-07-20
- FCNR · CHF · Non-Callablesource ↗checked 2026-07-20
- FCNR · EUR · Non-Callablesource ↗checked 2026-07-20
- FCNR · GBP · Non-Callablesource ↗checked 2026-07-20
- FCNR · HKD · Non-Callablesource ↗checked 2026-07-20
- FCNR · NZD · Non-Callablesource ↗checked 2026-07-20
- FCNR · SGD · Non-Callablesource ↗checked 2026-07-20
- FCNR · YEN (JPY) · Non-Callablesource ↗checked 2026-07-20
Financial healthQ4FY26
Full transparency report →- GNPA
- 1.28%
- NNPA
- 0.30%
- CAR
- 23.40%
- CASA
- 43.50%
- ROA
- 2.24%
- ROE
- 14.30%
How to read this page
- Tenures are the bank's own words. “1 Year to 443 days” is printed exactly as Kotak Mahindra Bank prints it. We never convert a band into a day count or a midpoint — that would be a number the bank never published.
- One card, one w.e.f. When a product is live under several “with effect from” dates, each gets its own card. We do not merge them into a table the bank never issued.
- Every card links to its source. The product's own page where we have it, otherwise the bank's FD rate page, otherwise the bank's website. Aggregator sites are never a source.
- Only approved, current rows appear. 140 rows on this page are published and un-superseded. Rows awaiting verification, and rows a later rate card replaced, are not shown.
MyPassbook is read-only and never touches your money. Rates change without notice — always confirm on the bank's own page before you book. Deposits with scheduled commercial banks in India are insured by DICGC up to ₹5,00,000 per depositor per bank.