Kotak Mahindra Bank FD Calculator
7% p.a. (quarterly compounding) - Min deposit Rs. 5,000
Principal
Rs. 5.00 lakh
Example: Rs. 5 lakh
Interest Earned
Rs. 1.16 lakh
Over 3 years
Maturity Amount
Rs. 6.16 lakh
at 7% p.a.
Kotak Mahindra Bank FD Rates by Tenure
| Tenure | General Rate | Senior Citizen |
|---|---|---|
| 7-14 days | 2.75% | 3.25% |
| 15-30 days | 3.25% | 3.75% |
| 31-90 days | 4.5% | 5% |
| 6 months-1 year | 6.5% | 7% |
| 1-2 years | 7% | 7.5% |
| 2-3 years | 7% | 7.5% |
| 3-5 years | 7% | 7.5% |
| 5 years+ | 6.2% | 6.7% |
Indicative rates. Actual rates may differ - verify with Kotak Mahindra Bank before investing.
Kotak Mahindra Bank FD Maturity - Quick Reference (at 7%)
| Principal | 1 yr | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|
| Rs. 1.00 lakh | Rs. 1.07 lakh | Rs. 1.15 lakh | Rs. 1.23 lakh | Rs. 1.41 lakh |
| Rs. 2.50 lakh | Rs. 2.68 lakh | Rs. 2.87 lakh | Rs. 3.08 lakh | Rs. 3.54 lakh |
| Rs. 5.00 lakh | Rs. 5.36 lakh | Rs. 5.74 lakh | Rs. 6.16 lakh | Rs. 7.07 lakh |
| Rs. 10.00 lakh | Rs. 10.72 lakh | Rs. 11.49 lakh | Rs. 12.31 lakh | Rs. 14.15 lakh |
| Rs. 25.00 lakh | Rs. 26.80 lakh | Rs. 28.72 lakh | Rs. 30.79 lakh | Rs. 35.37 lakh |
Customize your FD calculation
Maturity Amount
₹6.16 L
Total Interest
₹1.16 L
Effective Annual Rate
7.19%
Interest Breakdown
| Period | Interest | Balance |
|---|---|---|
| Q1 (Year 1) | ₹8,750 | ₹5.09 L |
| Q2 (Year 1) | ₹8,903 | ₹5.18 L |
| Q3 (Year 1) | ₹9,059 | ₹5.27 L |
| Q4 (Year 1) | ₹9,217 | ₹5.36 L |
| Q5 (Year 2) | ₹9,379 | ₹5.45 L |
Kotak Mahindra Bank FD - Key Features
- -One of India's top-rated private banks
- -DICGC insured up to Rs. 5 lakh
- -Sweep FD facility available with savings account
- -Senior citizens earn 0.50% additional interest
- -Tax Saving FD available for Section 80C benefit
Frequently Asked Questions
What is the Kotak Mahindra Bank FD interest rate in 2026?▾
Kotak Mahindra Bank offers FD interest rates ranging from 2.75% to 7% p.a. for general citizens, depending on the tenure. Senior citizens typically earn 0.50% extra. The most popular 3-year FD earns 7% p.a. with quarterly compounding.
How much will Rs. 5 lakh grow in 3 years at Kotak Mahindra Bank?▾
Rs. 5 lakh (Rs. 500,000) invested in a Kotak Mahindra Bank FD for 3 years at 7% p.a. (quarterly compounding) will grow to approximately Rs. 6.16 lakh. Total interest earned = Rs. 1.16 lakh.
Is Kotak Mahindra Bank FD safe?▾
Kotak Mahindra Bank FDs are insured by DICGC (Deposit Insurance and Credit Guarantee Corporation) up to Rs. 5 lakh per depositor per bank. This covers both principal and interest. Kotak Mahindra Bank is a well-regulated bank under RBI, making its FDs a very safe investment for amounts within the insurance limit.