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 Daysregular | ₹5,000 – ₹3,00,00,000 | 2.75% |
| 15 - 30 Daysregular | ₹5,000 – ₹3,00,00,000 | 2.75% |
| 31 - 45 Daysregular | ₹5,000 – ₹3,00,00,000 | 3.00% |
| 46 - 90 Daysregular | ₹5,000 – ₹3,00,00,000 | 3.50% |
| 91 Daysregular | ₹5,000 – ₹3,00,00,000 | 4.00% |
| 92 Days - 179 Daysregular | ₹5,000 – ₹3,00,00,000 | 4.25% |
| 180 Daysregular | ₹5,000 – ₹3,00,00,000 | 5.00% |
| 181 Days to 269 Daysregular | ₹5,000 – ₹3,00,00,000 | 5.50% |
| 270 Daysregular | ₹5,000 – ₹3,00,00,000 | 5.50% |
| 271 Days to 363 Daysregular | ₹5,000 – ₹3,00,00,000 | 6.00% |
| 364 Daysregular | ₹5,000 – ₹3,00,00,000 | 6.00% |
| 365 Days to less than 15 Monthsregular | ₹5,000 – ₹3,00,00,000 | 6.35% |
| 15 Months - less than 18 Monthsregular | ₹5,000 – ₹3,00,00,000 | 6.45% |
| 18 months - less than 2 yearsregular | ₹5,000 – ₹3,00,00,000 | 6.55% |
| 2 years- less than 3 yearsregular | ₹5,000 – ₹3,00,00,000 | 6.80% |
| 3 years and above but less than 4 yearsregular | ₹5,000 – ₹3,00,00,000 | 6.40% |
| 4 years and above but less than 5 yearsregular | ₹5,000 – ₹3,00,00,000 | 6.40% |
| 5 years and above upto and inclusive of 10 yearsregular | ₹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 Daysregular | ₹5,000 – ₹3,00,00,000 | 3.25% |
| 15 - 30 Daysregular | ₹5,000 – ₹3,00,00,000 | 3.25% |
| 31 - 45 Daysregular | ₹5,000 – ₹3,00,00,000 | 3.50% |
| 46 - 90 Daysregular | ₹5,000 – ₹3,00,00,000 | 4.00% |
| 91 Daysregular | ₹5,000 – ₹3,00,00,000 | 4.50% |
| 92 Days - 179 Daysregular | ₹5,000 – ₹3,00,00,000 | 4.75% |
| 180 Daysregular | ₹5,000 – ₹3,00,00,000 | 5.50% |
| 181 Days to 269 Daysregular | ₹5,000 – ₹3,00,00,000 | 6.00% |
| 270 Daysregular | ₹5,000 – ₹3,00,00,000 | 6.00% |
| 271 Days to 363 Daysregular | ₹5,000 – ₹3,00,00,000 | 6.50% |
| 364 Daysregular | ₹5,000 – ₹3,00,00,000 | 6.50% |
| 365 Days to less than 15 Monthsregular | ₹5,000 – ₹3,00,00,000 | 6.85% |
| 15 Months - less than 18 Monthsregular | ₹5,000 – ₹3,00,00,000 | 6.95% |
| 18 months - less than 2 yearsregular | ₹5,000 – ₹3,00,00,000 | 7.05% |
| 2 years- less than 3 yearsregular | ₹5,000 – ₹3,00,00,000 | 7.30% |
| 3 years and above but less than 4 yearsregular | ₹5,000 – ₹3,00,00,000 | 6.90% |
| 4 years and above but less than 5 yearsregular | ₹5,000 – ₹3,00,00,000 | 6.90% |
| 5 years and above upto and inclusive of 10 yearsregular | ₹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.) |
|---|---|---|
| Tax Saving Fixed Deposit - exactly 5 yearstax_saver | ₹100 – ₹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.) |
|---|---|---|
| Tax Saving Fixed Deposit - exactly 5 yearstax_saver | ₹100 – ₹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
Breaking this deposit early — FD · General
Every band Kotak Mahindra Bank publishes for premature closure of FD · General, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹5,000 to under ₹3 crore | 7 days to 180 days | no penalty | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5,000 to under ₹3 crore | 181 days to 364 days | 0.50% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
| ₹5,000 to under ₹3 crore | 365 days to 10 years | 1% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
Breaking this deposit early — FD · Senior Citizen
Every band Kotak Mahindra Bank publishes for premature closure of FD · Senior Citizen, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹5,000 to under ₹3 crore | 7 days to 180 days | no penalty | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5,000 to under ₹3 crore | 181 days to 364 days | 0.50% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
| ₹5,000 to under ₹3 crore | 365 days to 10 years | 1% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
Breaking this deposit early — Tax Saver
Every band Kotak Mahindra Bank publishes for premature closure of Tax Saver, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹100 to ₹1,50,000 | 5 years to 5 years | cannot be closed early |
The bank’s own wording
- ₹100 to ₹1,50,000 · 5 years to 5 years
“Premature or partial withdrawals are not permitted for tax saving FD's before lock-in period of 5 years”
Source
Breaking this deposit early — Tax Saver SC
Every band Kotak Mahindra Bank publishes for premature closure of Tax Saver SC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹100 to ₹1,50,000 | 5 years to 5 years | cannot be closed early |
The bank’s own wording
- ₹100 to ₹1,50,000 · 5 years to 5 years
“Premature or partial withdrawals are not permitted for tax saving FD's before lock-in period of 5 years”
Source
Not yet verified
We have not read and recorded Kotak Mahindra Bank’s premature-withdrawal terms for 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.