Kotak Mahindra Bank FD Calculator 2025
Kotak Mahindra Bank offers three different types of Fixed Deposit (FD) accounts at lucrative rates of interest. These are General Fixed Deposit, Senior Citizen Fixed Deposit, and Tax Saving Fixed Deposit. The tenure of the FD accounts ranges from 7 days to 10 years.
Kotak Mahindra Bank offers FD interest rates for the general public ranging from 2.75% to 6.95% p.a. and for senior citizens ranging from 3.25% to 7.45% p.a.
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 - https://www.kotak.com/en/personal-banking/deposits/fixed-deposit/fixed-deposit-calculator.html
- 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.
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 | 3.00% | 3.50% |
31 - 45 Days | 3.25% | 3.75% |
46 - 90 Days | 3.50% | 4.00% |
91 - 120 Days | 5.00% | 5.50% |
121 92 - 179 Days | 4.25% | 4.75% |
180 Days | 6.50% | 7.00% |
181 Days to 269 Days | 6.00% | 6.50% |
270 Days | 6.00% | 6.50% |
271 Days to 363 Days | 6.00% | 6.50% |
364 Days | 6.50% | 7.00% |
365 Days to 389 Days | 6.50% | 7.00% |
390 Days (12 months 25 days) | 6.80% | 7.30% |
391 Days - Less than 23 Months | 6.95% | 7.45% |
23 Months | 6.95% | 7.45% |
23 months 1 Day- less than 2 years | 6.95% | 7.45% |
2 years- less than 3 years | 6.75% | 7.25% |
3 years and above but less than 4 years | 6.75% | 7.25% |
4 years and above but less than 5 years | 6.75% | 7.25% |
5 years and above up to and inclusive of 10 years | 6.20% | 6.70% |
Note: The interest rates mentioned in the table are effective from 28 May 2025.
FAQs on Kotak Mahindra Bank FD Calculator
- What is the minimum tenure for Kotak Mahindra Tax Saving Fixed Deposit?
The minimum tenure for Kotak Mahindra Tax Saving Fixed Deposit is 5 years.
- Can I open an FD account online?
Yes, you can open an FD account online.
- Are senior citizens provided an additional interest rate?
Yes, senior citizens are provided an additional interest rate for deposits made towards an FD account.
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