Kotak Mahindra Bank
State Bank of India
Fixed deposit rates,
side by side.
Headline rates
1-year retail
Kotak Mahindra Bank
1-year retail
State Bank of India
5-year retail
Kotak Mahindra Bank
5-year retail
State Bank of India
On the 1-year retail rate, Kotak Mahindra Bank leads by +25 bps.
Worked example
What ₹10 lakh would earn over 1 year.
Kotak Mahindra Bank
State Bank of India
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 – 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% |
| Tenor | Bucket | Rate |
|---|---|---|
| 7 days to 45 days | MEDIUM | 3.05% |
| 46 days to 179 days | MEDIUM | 4.90% |
| 180 days to 210 days | MEDIUM | 5.65% |
| 211 days to less than 1 year | MEDIUM | 5.90% |
| 1 year to less than 2 year | LONG | 6.25% |
| 444 days (Amrit Vrishti) | LONG | 6.45%★ best |
| 2 years to less than 3 years | LONG | 6.40% |
| 3 years to less than 5 years | LONG | 6.30% |
| 5 years and up to 10 years | ULTRA-LONG | 6.05% |
Pick any two banks
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