Kotak Bank
fixed deposit rates

Today Kotak Bank offers 6.50% on a 1-year FD for retail deposits below ₹3 crore. The full slab structure is below — 18 brackets covering 7 days to 10 years.

Live · updated 9 May 2026·Scheduled Commercial Bank·Private sector

1-year rate

6.50%

Retail (< ₹3 cr)

5-year rate

6.25%

Retail (< ₹3 cr)

Best rate

6.80%

2 years to less than 3 years

Slabs published

7 d – 10 yr

Rate × tenor

The full curve

18 slabs · retail

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Kotak Bank

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Kotak Bank (< ₹3 cr)Best rateSingle-day special

Tenor	Days	Bucket	Rate · retail
7 – 14 days	7–14 d	Short	2.75%
15 – 30 days	15–30 d	Medium	2.75%
31 – 45 days	31–45 d	Medium	3.00%
46 – 90 days	46–90 d	Medium	3.50%
91 daysSpecial · +75 bp	91 d	Medium	4.25%
92 – 179 days	92–179 d	Medium	4.25%
180 daysSpecial · +100 bp	180 d	Medium	5.25%
181 days to 269 days	181–269 d	Medium	5.50%
270 daysSpecial	270 d	Medium	5.50%
271 days to 363 days	271–363 d	Medium	6.00%
364 daysSpecial	364 d	Medium	6.00%
365 days to less than 15 months	365–455 d	Long	6.50%
15 months to less than 18 months	456–547 d	Long	6.70%
18 months to less than 2 years	548–729 d	Long	6.70%
2 years to less than 3 years	730–1094 d	Long	6.80%★ Best
3 years to less than 4 years	1095–1459 d	Long	6.40%
4 years to less than 5 years	1460–1824 d	Long	6.40%
5 years to 10 years	1825–3650 d	Ultra-long	6.25%