Kotak Mahindra Bank offers FDs with tenures ranging from 7 days to 10 years. For deposits below ₹3 crore, general customers earned between 2.75 % and 7.40 % p.a. around mid‑2025, with senior citizens receiving up to 8.14 % on certain tenures. The special 390‑day deposit provided approximately 7.40 % for general customers and 7.82 % for senior citizens.
Kotak Bank FD Rates (Deposits <₹3 Crore)
| Tenure | General rate | Senior citizen rate |
|---|---|---|
| 7 days – 14 days | 2.75 % | 3.25 % |
| 1 year | 6.80 % | 7.30 % |
| 390 days (special) | 7.40 % | 7.82 % |
| 2 years | 6.40 % | 6.90 % |
| 3–10 years | 6.20 % | 6.70 % |
Kotak also offers higher rates on bulk deposits (above ₹3 crore) and special senior citizen schemes. Ensure you check the bank’s website for the latest rate slab before booking an FD.
