Kotak Mahindra Bank has revised its FD interest rates. Individuals over 60 are receiving additional returns. Customers should be aware of this before investing. Let’s find out how much interest will be earned for a fixed deposit.
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FD interest rates: Private sector Kotak Mahindra Bank has revised its fixed deposit interest rates. The new interest rates are effective from November 21, 2025. Fixed deposit rates depend on various factors. Banks revise them periodically. Therefore, customers are advised to check the bank’s branch or official website before investing.
The bank is offering interest rates ranging from 2.75% to 6.70% for investments less than ₹3 crore. Maturity options range from 7 days to 10 years. Premature withdrawals are also available, allowing customers to withdraw funds prematurely.
Senior citizens will receive higher interest
The bank is offering an additional 0.50 bps interest rate for senior citizens across all tenures. For those aged 60 and above, the minimum interest rate is 3.25% and the maximum is 7.20%. However, the additional interest rate for senior citizens does not apply to NRE or NRO FDs. The bank is offering returns ranging from 3.50% to 6.40% for investments above ₹3 crore and below ₹10 crore.
Maximum returns will be obtained on FDs of this length
The bank is offering the highest interest rates on three different tenures, ranging from 391 days to less than 2 years. The interest rate for senior citizens is 7.40%. If an individual invests Rs 5,000 in a 23-month FD, they will receive Rs 5,679 upon maturity, of which Rs 679 will be interest. The maturity value for senior citizens will be Rs 5,733.
Tenure and Interest Rate
7 days to 14 days – 2.75%
15 days to 30 days – 2.75%
31 days to 45 days – 3%
46 to 90 days – 3.50%
91 days – 5%
92 days to 179 days – 4.25%
180 days – 5.75%
181 days to 279 days – 5.50%
270 days – 5.50%
271 days to 333 days – 6%
364 days – 6%
365 days to 389 days – 6.25%
390 days – 6.50%
391 days to less than 23 months – 6.70%
23 months – 6.70%
23 months 1 day to less than 2 years – 6.70%
2 years to less than 3 years – 6.40%
3 years to less than 4 years – 6.40%
4 years to less than 5 years – 6.40%
5 years to 10 years – 6.25%
