Summary of this article
Kotak Bank revised FD rates, effective January 14, 2026.
Seniors can get up to FD 7.20 per cent, others up to 6.70 per cent.
The maximum interest rates are now available in the 15-month to less than two-year tenures.
The Kotak Mahindra Bank revised its fixed deposit rates effective today, January 14, 2026. It provides the highest 7.20 per cent to senior citizens and 6.70 per cent to others. In 2025, the Reserve Bank of India (RBI) revised the repo rate four times and reduced it by a total of 125 basis points or 1.25 per cent. This led banks to change their interest rates to keep them aligned with the benchmark repo rate. The RBI’s last repo rate cut was on December 5, 2025, and since then, several bank have revised their rates.
Kotak Bank revised its FD interest rates last in November 2025. The latest revision is effective today, where the bank has changed its tenure, too.
Here are the latest interest rates for senior citizens:
Kotak Mahindra Bank FD Interest Rates For Senior Citizens
3.25 per cent for seven to 14 days
3.25 per cent for 15 to 30 days
3.50 per cent for 31 to 45 days
4.00 per cent for 46 to 90 days
5.25 per cent for 91 days
4.75 per cent for 92 days to 179 days
6.00 per cent for 180 days
6.00 per cent for 181 days to 269 days
6.00 per cent for 270 days
6.50 per cent for 271 days to 363 days
6.50 per cent for 364 days
7.00 per cent for 65 days to less than 15 months
7.20 per cent for 15 months to less than 18 months
7.20 per cent for 18 months to less than two years
7.00 per cent for two years to less than three years
6.90 per cent for three years and above to less than four years
6.90 per cent for four years and above to less than five years
6.75 per cent for five years and above to 10 years
Earlier, the bank offered 7.20 per cent for tenures between 391 days and less than three years, but after the recent revision, this rate is available for tenures between five months and less than two years.
Kotak Mahindra Bank FD Interest Rates For the General Public
2.75 per cent for seven to 14 days
2.75 per cent for 15 to 30 days
3.00 per cent for 31 to 45 days
3.50 per cent for 46 to 90 days
4.75 per cent for 91 days
4.25 per cent for 92 days to 179 days
5.50 per cent for 180 days
5.50 per cent for 181 days to 269 days
5.50 per cent for 270 days
6.00 per cent for 271 days to 363 days
6.00 per cent for 364 days
6.50 per cent for 65 days to less than 15 months
6.70 per cent for 15 months to less than 18 months
6.70 per cent for 18 months to less than two years
6.50 per cent for two years to less than three years
6.40 per cent for three years and above, but less than four years
6.40 per cent for four years and above, but less than five years
6.25 per cent for five years and above, up to and inclusive of 10 years
Amid a declining rate regime, the banks are revising their rates downwards, and overall, the rates across banks have come down in the range of 6.50 per cent to 7.50 per cent.
