HDFC Bank
Kotak Mahindra Bank
Fixed deposit rates,
side by side.
Headline rates
1-year retail
HDFC Bank
1-year retail
Kotak Mahindra Bank
5-year retail
HDFC Bank
5-year retail
Kotak Mahindra Bank
On the 1-year retail rate, Kotak Mahindra Bank leads by +25 bps. On 5 years, the lead flips to HDFC Bank by +15 bps.
Worked example
What ₹10 lakh would earn over 1 year.
HDFC Bank
Kotak Mahindra Bank
Difference: ₹2,500 over the year. Simple-interest approximation; actual yield depends on compounding frequency.
Rate × tenor
The full curve.
Slab-by-slab
Every tenor, both banks.
| Tenor | Bucket | Rate |
|---|---|---|
| 7 – 14 days | SHORT | 2.75% |
| 15 – 29 days | SHORT | 2.75% |
| 30 – 45 days | MEDIUM | 3.25% |
| 46 – 60 days | MEDIUM | 4.25% |
| 61 – 89 days | MEDIUM | 4.25% |
| 90 days – 6 months | MEDIUM | 4.25% |
| 6 months 1 day – 9 months | MEDIUM | 5.50% |
| 9 months 1 day – less than 1 year | MEDIUM | 5.75% |
| 1 year – less than 15 months | LONG | 6.25% |
| 15 months – less than 18 months | LONG | 6.35% |
| 18 months – less than 21 months | LONG | 6.45% |
| 21 months – 2 years | LONG | 6.45% |
| 2 years 1 day – less than 2 years 11 months | LONG | 6.45% |
| 2 years 11 months (35 months) | LONG | 6.45% |
| 2 years 11 months 1 day – 3 years | LONG | 6.45% |
| 3 years 1 day – less than 4 years 7 months | LONG | 6.50%★ best |
| 4 years 7 months (55 months) | LONG | 6.40% |
| 4 years 7 months 1 day – 5 years | LONG | 6.40% |
| 5 years 1 day – 10 years | ULTRA-LONG | 6.15% |
| Tenor | Bucket | Rate |
|---|---|---|
| 7 – 14 days | SHORT | 2.75% |
| 15 – 30 days | SHORT | 2.75% |
| 31 – 45 days | MEDIUM | 3.00% |
| 46 – 90 days | MEDIUM | 3.50% |
| 91 days | MEDIUM | 4.25% |
| 92 – 179 days | MEDIUM | 4.25% |
| 180 days | MEDIUM | 5.25% |
| 181 days to 269 days | MEDIUM | 5.50% |
| 270 days | MEDIUM | 5.50% |
| 271 days to 363 days | MEDIUM | 6.00% |
| 364 days | MEDIUM | 6.00% |
| 365 days to less than 15 months | LONG | 6.50% |
| 15 months to less than 18 months | LONG | 6.70% |
| 18 months to less than 2 years | LONG | 6.70% |
| 2 years to less than 3 years | LONG | 6.80%★ best |
| 3 years to less than 4 years | LONG | 6.40% |
| 4 years to less than 5 years | LONG | 6.40% |
| 5 years to 10 years | ULTRA-LONG | 6.25% |
Pick any two banks
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Or jump to a single bank: HDFC Bank FD rates · Kotak Mahindra Bank FD rates