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Book FDs at Interest rate upto 8.00% p.a
Kotak Mahindra Bank Fixed Deposit (FD) Calculator
Kotak Mahindra Bank FD Calculator enables prospective Kotak FD applicants to calculate the interest income and total maturity value for different deposit amounts and FD tenures. The online FD calculator factors in the Kotak Mahindra Bank FD interest rates, FD tenure and principal amount to compute the total interest and maturity value of the term deposit.
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
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How to Use Paisabazaar’s Kotak Mahindra Bank FD Calculator
The process of using Paisabazaar’s Kotak Mahindra Bank FD Calculator is as follows:
- Enter the Kotak Mahindra Bank FD interest rate, deposit tenure and amount in the above calculator
- Click on ‘Calculate’
- The FD calculator will compute the total maturity value of your deposit, along with providing the breakup of both the interest and principal component, within seconds
The actual maturity value of your FD depends on factors like your Kotak Mahindra Bank FD interest rates, tenure, principal amount invested and the type of FD chosen by you, i.e. cumulative or non-cumulative FD.
Under non-cumulative FD, Kotak Mahindra Bank offers monthly and quarterly interest payout options under its traditional and tax saving plans. In the quarterly interest pay-out option, the interest amount is credited to the current/saving account of the depositor on a quarterly basis. In the monthly pay-out option, the total interest amount is paid out to the depositor each month at a discounted rate. Prospective depositors can also choose to keep the interest amount invested in their Kotak Mahindra Bank Cumulative FD till maturity by opting for reinvestment/cumulative FD option.
Kotak Mahindra Bank FD monthly payout option is best suited for depositors who need fixed monthly income on a regular basis to meet their expenses. Depositors who opt for the cumulative investment option can benefit from compounding of the interest component as it remains invested in the term deposit account and starts generating interest income as well.
Kotak Mahindra FD Interest Rates
Kotak Mahindra FD Rates on Domestic/NRO/NRE deposits of less than Rs 3 crore w.e.f. 5 December 2025
| Tenure | Interest Rates (% p.a.) | |
| Regular Individuals | Senior Citizens | |
| 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 | 5.00 | 5.50 |
| 92 – 179 days | 4.25 | 4.75 |
| 180 days | 5.75 | 6.25 |
| 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 | 6.25 | 6.75 |
| 390 days (12 months 25 days) | 6.50 | 7.00 |
| 391 days to less than 23 months | 6.70 | 7.20 |
| 23 months | 6.70 | 7.20 |
| 23 months 1 day to less than 2 years | 6.70 | 7.20 |
| 2 years to less than 3 years | 6.40 | 6.90 |
| 3 years to less than 4 years | 6.40 | 6.90 |
| 4 years to less than 5 years | 6.40 | 6.90 |
| 5 years to 10 years | 6.25 | 6.75 |
Note: FD rates as of 14 January 2026
Note: 1. Additional senior citizen’s interest rates will not be applicable for NRO or NRE Fixed Deposits.
2. The minimum tenure for an NRE deposit is 365 days (1 year).
Kotak Mahindra Bank Tax Saver Deposit
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 5 years to 10 years | 6.25 | 6.75 |
Advantages of Using Kotak Mahindra Bank FD Calculator
Using the online Kotak Mahindra Bank FD Calculator come with the following benefits:
Free of Cost
FD applicants can use the Kotak Mahindra Bank FD calculator tool more than once, free of charge. They can use it to compare and analyse the returns for different combinations of FD interest rates, principal amount and tenures.
Saves Time
Calculating the total maturity value manually can be laborious and time consuming, which can also lead to human errors. FD calculator uses an automated calculation process to help save time while providing relatively error free results.
Know Your Returns in Advance
You can fetch relatively accurate estimates of your total earnings by using the Kotak Mahindra Bank FD calculator. Thus, FD applicants can use the Kotak Mahindra Bank FD calculator to make prudent financial decisions based on their cash flows and liquidity requirements before investing in fixed deposits.