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Kotak Bank

Fixed Deposit Rates

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You are requested to reconfirm the rates from the respective banks before making any financial commitments.

a) For domestic deposits - Less than Rs. 15 lakh (last revised on May 17, 2012)

Maturity Period Deposit Amount

INTEREST RATE (% p.a.)

General

Senior Citizen

  
15 days to 30 days Less than Rs. 15 lakh

5.50

6.00

 Calculate
31 days to 45 days Less than Rs. 15 lakh

5.75

6.25

 Calculate
46 days to 90 days Less than Rs. 15 lakh

6.50

7.00

 Calculate
91 days to 120 days Less than Rs. 15 lakh

7.50

8.00

 Calculate
121 days to 180 days Less than Rs. 15 lakh

7.50

8.00

 Calculate
181 days to 270 days Less than Rs. 15 lakh

8.50

9.00

 Calculate
271 days to less than 1 Year Less than Rs. 15 lakh

8.75

9.25

 Calculate
364 days Less than Rs. 15 lakh

8.75

9.25

 Calculate
365 days to 389 days Less than Rs. 15 lakh

9.25

9.75

 Calculate
390 days Less than Rs. 15 lakh

9.40

9.90

 Calculate
391 days and above to 699 days Less than Rs. 15 lakh

9.25

9.75

 Calculate
700 days Less than Rs. 15 lakh

9.25

9.75

 Calculate
701 days and above to less than 2 years Less than Rs. 15 lakh

9.25

9.75

 Calculate
2 years to 1000 Days Less than Rs. 15 lakh

9.00

9.50

 Calculate
1001 Days Less than Rs. 15 lakh

9.25

9.75

 Calculate
1002 Days to less than 3 years Less than Rs. 15 lakh

9.00

9.50

 Calculate
3 years and above to less than 4 years Less than Rs. 15 lakh

9.00

9.50

 Calculate
4 years and above to less than 5 years Less than Rs. 15 lakh

9.00

9.50

 Calculate
5 years and above upto 7 years Less than Rs. 15 lakh

9.00

9.50

 Calculate
7 years and above upto 10 years Less than Rs. 15 lakh

9.00

9.50

 Calculate

b) For domestic deposits - Rs. 15 lakh to less than Rs. 1 cr (last revised on May 17, 2012)

Maturity Period Deposit Amount

INTEREST RATE (% p.a.)

General

Senior Citizen

  
7 days to 14 days Rs. 15 lakh to less than Rs. 1 cr

6.00

6.50

 Calculate
15 days to 30 days Rs. 15 lakh to less than Rs. 1 cr

6.25

6.75

 Calculate
31 days to 45 days Rs. 15 lakh to less than Rs. 1 cr

6.50

7.00

 Calculate
46 days to 90 days Rs. 15 lakh to less than Rs. 1 cr

7.00

7.50

 Calculate
91 days to 120 days Rs. 15 lakh to less than Rs. 1 cr

8.50

9.00

 Calculate
121 days to 180 days Rs. 15 lakh to less than Rs. 1 cr

8.50

9.00

 Calculate
181 days to 270 days Rs. 15 lakh to less than Rs. 1 cr

8.75

9.25

 Calculate
271 days to less than 1 Year Rs. 15 lakh to less than Rs. 1 cr

9.00

9.50

 Calculate
364 days Rs. 15 lakh to less than Rs. 1 cr

9.00

9.50

 Calculate
365 days to 389 days Rs. 15 lakh to less than Rs. 1 cr

9.25

9.75

 Calculate
390 days Rs. 15 lakh to less than Rs. 1 cr

9.40

9.90

 Calculate
391 days and above to 699 days Rs. 15 lakh to less than Rs. 1 cr

9.25

9.75

 Calculate
700 days Rs. 15 lakh to less than Rs. 1 cr

9.25

9.75

 Calculate
701 days and above to less than 2 years Rs. 15 lakh to less than Rs. 1 cr

9.25

9.75

 Calculate
2 years to 1000 Days Rs. 15 lakh to less than Rs. 1 cr

9.00

9.50

 Calculate
1001 Days Rs. 15 lakh to less than Rs. 1 cr

9.25

9.75

 Calculate
1002 Days to less than 3 years Rs. 15 lakh to less than Rs. 1 cr

9.00

9.50

 Calculate
3 years and above to less than 4 years Rs. 15 lakh to less than Rs. 1 cr

9.00

9.50

 Calculate
4 years and above to less than 5 years Rs. 15 lakh to less than Rs. 1 cr

9.00

9.50

 Calculate
5 years and above upto 7 years Rs. 15 lakh to less than Rs. 1 cr

9.00

9.50

 Calculate
7 years and above upto 10 years Rs. 15 lakh to less than Rs. 1 cr

9.00

9.50

 Calculate

c) For domestic deposits - Rs. 1cr and above to less than Rs. 5 cr (last revised on May 22, 2012)

Maturity Period Deposit Amount

INTEREST RATE (% p.a.)

General

Senior Citizen

  
7 days to 14 days Rs. 1cr and above to less than Rs. 5 cr

8.25

N.A

 Calculate
15 days to 30 days Rs. 1cr and above to less than Rs. 5 cr

8.50

N.A

 Calculate
31 days to 45 days Rs. 1cr and above to less than Rs. 5 cr

8.75

N.A

 Calculate
46 days to 90 days Rs. 1cr and above to less than Rs. 5 cr

9.00

N.A

 Calculate
91 days to 120 days Rs. 1cr and above to less than Rs. 5 cr

9.35

N.A

 Calculate
121 days to 180 days Rs. 1cr and above to less than Rs. 5 cr

9.40

N.A

 Calculate
181 days to 270 days Rs. 1cr and above to less than Rs. 5 cr

9.50

N.A

 Calculate
271 days to less than 12 months Rs. 1cr and above to less than Rs. 5 cr

9.50

N.A

 Calculate
12 months to less than 15 months Rs. 1cr and above to less than Rs. 5 cr

9.85

N.A

 Calculate
15 months to less than 18 months Rs. 1cr and above to less than Rs. 5 cr

9.30

N.A

 Calculate
18 months to less than 2 years Rs. 1cr and above to less than Rs. 5 cr

9.30

N.A

 Calculate
2 years and above to less than 3 years Rs. 1cr and above to less than Rs. 5 cr

9.25

N.A

 Calculate
3 years and above to less than 4 years Rs. 1cr and above to less than Rs. 5 cr

9.00

N.A

 Calculate
4 years and above to less than 5 years Rs. 1cr and above to less than Rs. 5 cr

9.00

N.A

 Calculate
5 years and above upto 7 years Rs. 1cr and above to less than Rs. 5 cr

9.00

N.A

 Calculate

Tax Saver Fixed Deposits (Amount capped at Rs. 1 lakh per Financial Year)

Maturity Period Deposit Amount

INTEREST RATE (% p.a.)

General

Senior Citizen

  
Tax Saving Deposits - 5 year upto 10 year Upto Rs. 1 lakh

9.00

9.50

 Calculate

Tax Implications:

  • The amount invested in fixed deposits with a maturity period of 5 years in a Scheduled bank is eligible for tax deduction under section 80C. However, the interest earned on the deposit is taxable.
  • Tax will be deducted at the source, if the interest income on a fixed deposit per annum exceeds Rs.10000

a) For NRO Fixed Deposit - Less than Rs. 15 lakh (last revised on May 17, 2012)

Maturity Period Deposit Amount INTEREST RATE (% p.a.)  
15 days to 30 days Less than Rs. 15 lakh 5.50 Calculate
31 days to 45 days Less than Rs. 15 lakh 5.75 Calculate
46 days to 90 days Less than Rs. 15 lakh 6.50 Calculate
91 days to 120 days Less than Rs. 15 lakh 7.50 Calculate
121 days to 180 days Less than Rs. 15 lakh 7.50 Calculate
181 days to 270 days Less than Rs. 15 lakh 8.50 Calculate
271 days to less than 1 Year Less than Rs. 15 lakh 8.75 Calculate
364 days Less than Rs. 15 lakh 8.75 Calculate
365 days to 389 days Less than Rs. 15 lakh 9.25 Calculate
390 days Less than Rs. 15 lakh 9.40 Calculate
391 days and above to 699 days Less than Rs. 15 lakh 9.25 Calculate
700 days Less than Rs. 15 lakh 9.25 Calculate
701 days and above to less than 2 years Less than Rs. 15 lakh 9.25 Calculate
2 years to 1000 Days Less than Rs. 15 lakh 9.00 Calculate
1001 Days Less than Rs. 15 lakh 9.25 Calculate
1002 Days to less than 3 years Less than Rs. 15 lakh 9.00 Calculate
3 years and above to less than 4 years Less than Rs. 15 lakh 9.00 Calculate
4 years and above to less than 5 years Less than Rs. 15 lakh 9.00 Calculate
5 years and above upto 7 years Less than Rs. 15 lakh 9.00 Calculate
7 years and above upto 10 years Less than Rs. 15 lakh 9.00 Calculate

b) For NRO Fixed Deposit - Rs. 15 lakh to less than Rs. 1 cr (last revised on May 17, 2012)

Maturity Period Deposit Amount INTEREST RATE (% p.a.)  
7 days to 14 days Rs. 15 lakh to less than Rs. 1 cr 6.00 Calculate
15 days to 30 days Rs. 15 lakh to less than Rs. 1 cr 6.25 Calculate
31 days to 45 days Rs. 15 lakh to less than Rs. 1 cr 6.50 Calculate
46 days to 90 days Rs. 15 lakh to less than Rs. 1 cr 7.00 Calculate
91 days to 120 days Rs. 15 lakh to less than Rs. 1 cr 8.50 Calculate
121 days to 180 days Rs. 15 lakh to less than Rs. 1 cr 8.50 Calculate
181 days to 270 days Rs. 15 lakh to less than Rs. 1 cr 8.75 Calculate
271 days to less than 1 Year Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate
364 days Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate
365 days to 389 days Rs. 15 lakh to less than Rs. 1 cr 9.25 Calculate
390 days Rs. 15 lakh to less than Rs. 1 cr 9.40 Calculate
391 days and above to 699 days Rs. 15 lakh to less than Rs. 1 cr 9.25 Calculate
700 days Rs. 15 lakh to less than Rs. 1 cr 9.25 Calculate
701 days and above to less than 2 years Rs. 15 lakh to less than Rs. 1 cr 9.25 Calculate
2 years to 1000 Days Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate
1001 Days Rs. 15 lakh to less than Rs. 1 cr 9.25 Calculate
1002 Days to less than 3 years Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate
3 years and above to less than 4 years Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate
4 years and above to less than 5 years Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate
5 years and above upto 7 years Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate
7 years and above upto 10 years Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate

c) For NRO Fixed Deposit - Rs. 1cr and above to less than Rs. 5 cr (last revised on May 22, 2012)

Maturity Period Deposit Amount INTEREST RATE (% p.a.)  
7 days to 14 days Rs. 1cr and above to less than Rs. 5 cr 8.25 Calculate
15 days to 30 days Rs. 1cr and above to less than Rs. 5 cr 8.50 Calculate
31 days to 45 days Rs. 1cr and above to less than Rs. 5 cr 8.75 Calculate
46 days to 90 days Rs. 1cr and above to less than Rs. 5 cr 9.00 Calculate
91 days to 120 days Rs. 1cr and above to less than Rs. 5 cr 9.35 Calculate
121 days to 180 days Rs. 1cr and above to less than Rs. 5 cr 9.40 Calculate
181 days to 270 days Rs. 1cr and above to less than Rs. 5 cr 9.50 Calculate
271 days to less than 12 months Rs. 1cr and above to less than Rs. 5 cr 9.50 Calculate
12 months to less than 15 months Rs. 1cr and above to less than Rs. 5 cr 9.85 Calculate
15 months to less than 18 months Rs. 1cr and above to less than Rs. 5 cr 9.30 Calculate
18 months to less than 2 years Rs. 1cr and above to less than Rs. 5 cr 9.30 Calculate
2 years and above to less than 3 years Rs. 1cr and above to less than Rs. 5 cr 9.25 Calculate
3 years and above to less than 4 years Rs. 1cr and above to less than Rs. 5 cr 9.00 Calculate
4 years and above to less than 5 years Rs. 1cr and above to less than Rs. 5 cr 9.00 Calculate
5 years and above upto 7 years Rs. 1cr and above to less than Rs. 5 cr 9.00 Calculate

a) For NRE Fixed Deposit - Less than Rs. 15 lakh (last revised on May 17, 2012)

Maturity Period Deposit Amount INTEREST RATE (% p.a.)
365 days to 389 days Less than Rs. 15 lakh 9.25 Calculate
390 days Less than Rs. 15 lakh 9.40 Calculate
391 days and above to 699 days Less than Rs. 15 lakh 9.25 Calculate
700 days Less than Rs. 15 lakh 9.25 Calculate
701 days and above to less than 2 years Less than Rs. 15 lakh 9.25 Calculate
2 years to 1000 Days Less than Rs. 15 lakh 9.00 Calculate
1001 Days Less than Rs. 15 lakh 9.25 Calculate
1002 Days to less than 3 years Less than Rs. 15 lakh 9.00 Calculate
3 years and above to less than 4 years Less than Rs. 15 lakh 9.00 Calculate
4 years and above to less than 5 years Less than Rs. 15 lakh 9.00 Calculate
5 years and above upto 7 years Less than Rs. 15 lakh 9.00 Calculate
7 years and above upto 10 years Less than Rs. 15 lakh 9.00 Calculate

b) For NRE Fixed Deposit - Rs. 15 lakh to less than Rs. 1 cr (last revised on May 17, 2012)

Maturity Period Deposit Amount INTEREST RATE (% p.a.)
365 days to 389 days Rs. 15 lakh to less than Rs. 1 cr 9.25 Calculate
390 days Rs. 15 lakh to less than Rs. 1 cr 9.40 Calculate
391 days and above to 699 days Rs. 15 lakh to less than Rs. 1 cr 9.25 Calculate
700 days Rs. 15 lakh to less than Rs. 1 cr 9.25 Calculate
701 days and above to less than 2 years Rs. 15 lakh to less than Rs. 1 cr 9.25 Calculate
2 years to 1000 Days Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate
1001 Days Rs. 15 lakh to less than Rs. 1 cr 9.25 Calculate
1002 Days to less than 3 years Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate
3 years and above to less than 4 years Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate
4 years and above to less than 5 years Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate
5 years and above upto 7 years Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate
7 years and above upto 10 years Rs. 15 lakh to less than Rs. 1 cr 9.00 Calculate

c) For NRE Fixed Deposit - Rs. 1cr and above to less than Rs. 5 cr (last revised on May 22, 2012)

Maturity Period Deposit Amount INTEREST RATE (% p.a.)
12 months to less than 15 months Rs. 1cr and above to less than Rs. 5 cr 9.85 Calculate
15 months to less than 18 months Rs. 1cr and above to less than Rs. 5 cr 9.30 Calculate
18 months to less than 2 years Rs. 1cr and above to less than Rs. 5 cr 9.30 Calculate
2 years and above to less than 3 years Rs. 1cr and above to less than Rs. 5 cr 9.25 Calculate
3 years and above to less than 4 years Rs. 1cr and above to less than Rs. 5 cr 9.00 Calculate
4 years and above to less than 5 years Rs. 1cr and above to less than Rs. 5 cr 9.00 Calculate
5 years and above upto 7 years Rs. 1cr and above to less than Rs. 5 cr 9.00 Calculate
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