Kotak Mahindra Bank FD Calculator 2026
The Kotak Mahindra Bank FD Calculator helps you estimate the maturity value and interest earned on a Kotak Mahindra Bank fixed deposit before you invest. Kotak Mahindra Bank offers General, Senior Citizen, and Tax Saving Fixed Deposits with tenures from 7 days to 10 years. Current interest rates are listed in the table below.
If you intend to invest in a fixed deposit offered by Kotak Mahindra Bank, you can use the FD calculator offered by the bank or by BankBazaar to find out the details of the investment and the earnings from the account. Using a FD calculator helps you save time and find accurate details about your investment.
Benefits of using Kotak Mahindra Bank's FD Calculator
The benefits of using a fixed deposit calculator can be summed up as follows:
- It helps you save time and the hassle of making long calculations.
- The results of the calculator are precise and helps you determine your ideal investment amount.
- It lets you compare between different terms of the investments and the gains thereafter.
How to Use the Kotak Mahindra Bank FD Calculator
Kotak Mahindra Bank's FD Calculator
The process to use the FD calculator offered by Kotak Mahindra Bank is mentioned below:
- Step 1: Visit the official Kotak Mahindra Bank FD Calculator web page.
- Step 2: On the calculator, choose the 'Type of Customer' - 'Normal' or 'Senior Citizen'.
- Step 3: Under the 'Type of Fixed Deposit' option, choose your desired option from the drop-down box.
- Step 4: The date of the FD will be pre-defined.
- Step 5: Choose the 'Amount of Deposit' of your choice.
- Step 6: Select the tenure in 'Years/ Months/ Days' or 'Days Only' under the 'Select Tenure' option.
- Step 7: After all the details are filled in, the calculator will automatically display the 'Maturity Value' and the 'Aggregate Interest Amount'.
Compare BankBazaar vs Kotak Mahindra FD Calculator
The procedure to use BankBazaar's FD calculator is mentioned below:
- Step 1: Visit the official BankBazaar Fixed Deposit Calculator page.
- Step 2: On the calculator, drag the slider or type in the 'Deposit Amount'.
- Step 3: Next, drag the slider or type in the 'Tenure'.
- Step 4: Select the interest rate for Kotak Mahindra Bank as per the tenure that you are choosing.
- Step 5: Choose the 'Type of fixed deposit' from the options provided.
- Step 6: Click on the 'Calculate' button.
- Step 7: The 'Maturity Amount' and the 'Total Interest Earned' will be displayed on your screen.
Kotak Mahindra Bank FD Rates for Below Rs. 3 crore
Listed in the table below are the interest rates offered by Kotak Mahindra Bank on term deposits below Rs.3 crore.
Kotak Mahindra Bank allows a minimum fixed deposit investment of Rs.5,000, with no upper limit on the deposit amount.
Kotak Mahindra Bank permits premature withdrawal on most fixed deposits, excluding tax-saving and non-withdrawable FD variants, subject to the bank's applicable terms and conditions.
Interest earned on a Kotak Mahindra Bank fixed deposit is subject to TDS under the Income Tax Act, 1961, deducted by the bank at the rate applicable at the time of credit or payment.
Tenure | Interest Rates for the General Public (p.a.) | Interest Rates for Senior Citizens (p.a.) |
7 - 14 Days | 2.75% | 3.25% |
15 - 30 Days | 2.75% | 3.25% |
31 - 45 Days | 3.00% | 3.50% |
46 - 90 Days | 3.50% | 4.00% |
91 Days | 4.00% | 4.50% |
92 Days - 179 Days | 4.25% | 4.75% |
180 Days | 5.00% | 5.50% |
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 | 6.35% | 6.85% |
390 Days (12 months 25 days) | 6.35% | 6.85% |
391 Days - Less than 23 Months | 6.35% | 6.85% |
23 Months | 6.55% | 7.05% |
23 months 1 Day- less than 2 years | 6.55% | 7.05% |
2 years- less than 3 years | 6.80% | 7.30% |
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% |
Note: The interest rates are effective from 10 June 2026.
Summary
The Kotak Mahindra Bank FD Calculator makes it simple to estimate returns on a Kotak Mahindra Bank fixed deposit before you invest. Kotak Mahindra Bank offers General, Senior Citizen and Tax Saving FD options across tenures from 7 days to 10 years, with rates that vary by tenure, deposit amount and customer type. Use the calculator above to compare your options and plan your investment with confidence.
FAQs on Kotak Mahindra Bank FD Calculator
- What is the Kotak Mahindra Bank FD Calculator?
The Kotak Mahindra Bank FD Calculator is a free online tool that estimates the maturity value and interest earned on a Kotak Mahindra Bank fixed deposit. You simply enter the deposit amount, tenure and customer type to see projected returns. It helps you compare options before you invest.
- What types of fixed deposits does Kotak Mahindra Bank offer?
Kotak Mahindra Bank offers General Fixed Deposit, Senior Citizen Fixed Deposit and Tax Saving Fixed Deposit accounts. Each type caters to a different investor need, from regular savings to tax benefits. The applicable tenure and terms vary by FD type.
- What is the tenure range for a Kotak Mahindra Bank fixed deposit?
A Kotak Mahindra Bank fixed deposit can be booked for a tenure ranging from 7 days up to 10 years. Investors can choose a tenure that matches their savings goals. Longer tenures generally offer different returns than shorter ones.
- How does the Kotak Mahindra Bank FD Calculator help investors?
The Kotak Mahindra Bank FD Calculator saves you the time and effort of manual calculations. It gives a precise, ready reckoner of your likely investment amount and lets you compare returns across different tenures. This makes it easier to choose the right FD term.
- How do I use the Kotak Mahindra Bank FD Calculator on BankBazaar?
On BankBazaar, you enter the deposit amount and tenure for your Kotak Mahindra Bank fixed deposit, then select the applicable interest rate and FD type. Clicking calculate instantly displays the maturity amount and total interest earned. The tool works entirely online without any sign-up.
- Can I use Kotak Mahindra Bank's own FD calculator instead of BankBazaar's?
Yes, Kotak Mahindra Bank also provides its own FD calculator on the bank's official website. You can choose the customer type, FD type, deposit amount and tenure there to view the maturity value directly. Both calculators serve the same purpose of estimating FD returns.
- What is the minimum tenure for a Kotak Mahindra Bank Tax Saving Fixed Deposit?
The minimum tenure for a Kotak Mahindra Bank Tax Saving Fixed Deposit is 5 years. This lock-in period applies for the investor to claim the associated tax benefit. Premature withdrawal is not permitted on this FD type.
- Can I open a Kotak Mahindra Bank FD account online?
Yes, a Kotak Mahindra Bank FD account can be opened online. Existing customers can typically do this through net banking or the bank's mobile app. New customers may need to complete the bank's online onboarding process first.
- Do senior citizens get a higher interest rate on a Kotak Mahindra Bank FD?
Yes, Kotak Mahindra Bank offers senior citizens an additional interest rate over the regular rate on most fixed deposit types. This benefit generally applies to resident individuals aged 60 years and above. Certain FD variants may not carry the senior citizen benefit, so it is worth confirming at the time of booking.
- Can I withdraw a Kotak Mahindra Bank fixed deposit before maturity?
Kotak Mahindra Bank permits premature withdrawal on most fixed deposits, excluding tax-saving and non-withdrawable FD variants. Withdrawing early is subject to the bank's applicable terms and conditions. Check the current terms with the bank before making an early withdrawal.
- Does the interest rate on a Kotak Mahindra Bank FD depend on the deposit amount?
Yes, Kotak Mahindra Bank's fixed deposit interest rate can vary by deposit amount slab, alongside tenure and customer type. The rate table above lists the applicable rates for deposits below Rs.3 crore. Larger deposit amounts may attract different rates.
- What details do I need to use the Kotak Mahindra Bank FD Calculator?
To use the Kotak Mahindra Bank FD Calculator, you need the deposit amount, the tenure you intend to choose and your customer type, regular or senior citizen. The calculator then estimates your maturity value and total interest earned. No personal or banking details are required to get an estimate.
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