If you want to receive full benefits, it is best not to withdraw the Deposit until its term is complete. However, if you have to do this, here are the methods:
1) On Mobile Banking
1. Go to Banking
2. Fixed/Recurring Deposits
3. Premature Withdrawal
2) On Net Banking
1. Go to Investment -> Deposit
2. Select Premature Withdrawal of Deposit.
With this method, the amount will be credited to your account instantly.
2) Place a request at your nearest Kotak Branch.
With this method, the amount will be credited to your account within 24-48 hours.
It is important to note that if your Deposit is booked for 181 days and above and is withdrawn before maturity, there will be a penalty of 0.50% on the interest rate.