Fixed Deposit
Take control of your savings by investing in Fixed Deposit. Enjoy Fixed Deposit interest rates as
high as 5.00%* with us. Happy Investing!

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Take control of your savings by investing in Fixed Deposit. Enjoy Fixed Deposit interest rates as
high as 5.00%* with us. Happy Investing!
If you want to boost your savings with an absolute peace of mind, a fixed deposit investment is the perfect fit for you. The promise of assured savings after a fixed tenure makes fixed deposits an attractive investment avenue for planning your medium and long-term goals.
Grow your money with Kotak Fixed Deposits at attractive interest rates
Kotak lets you start a Fixed Deposit as low as Rs. 5000/-
Avail Fixed Deposit with tenure options ranging from 7 days to 10 years
With Kotak Fixed Deposit, you can choose to receive interest monthly, quarterly or keep it invested till maturity
Enjoy investing in Fixed Deposits online through our Net & Mobile Banking facility
Partial/Premature withdrawal of Fixed Deposit is permitted
Avail nomination facility with Kotak Fixed Deposits
Kotak Fixed Deposit allows liquidity through Sweep-in facility
Kotak Fixed Deposit gives you the flexibility to keep your financial portfolio diversified
You can avail overdraft facility against Fixed Deposit at Kotak Bank
Select your preferred method.
At Kotak Mahindra Bank, we offer you attractive fixed deposit interest rates along with a range of terms to choose from, for you to achieve your money saving goals faster with more flexibility and security. Whether you want to save for a grand vacation or your child’s education, investing in a Kotak Mahindra Bank Fixed Deposit is a secure and effective way to transform all your dreams into fruition. Moreover, a comprehensive procedure leading to completion of your online application for opening a Fixed Deposits account with us has become easier than ever before!
What are the benefits of Fixed Deposits?
Fixed Deposit possesses a number of advantages over any other investment schemes that tags it as one of the safest investment options to opt for. When you avail a Fixed Deposit, you actually bag a number of perks such as:
What is the Fixed Deposit Interest Rate?
The Fixed Deposit Interest Rate is an integral factor for calculation of maturity value and aggregate interest. The rate varies depending on the tenure. Check out the fixed deposit interest rates for further information.
How do I calculate my returns from Fixed Deposits?
The Kotak FD returns Calculator is the simplest way to calculate your returns in no time. It just takes the following inputs from you:
As soon as you fill in the above mentioned fields, the FD calculator displays to you the maturity amount, interest rate and aggregate interest value instantly! Get hands on with our easy-to-use online FD calculator and calculate your returns.
Who all are eligible to open a Fixed Deposit account?
At Kotak Mahindra Bank, our eligibility criteria is as flexible as it gets! Be it an Indian national or an NRI, a senior citizen or a member of HUF; you can invest in a Fixed Deposit with Kotak Mahindra Bank. FDs for minors too can be opened under guardianship.
What are the documents required to open a Fixed Deposit account?
The documentation required for opening a Fixed Deposit account with us is absolutely hassle-free. Just a few essentials – age, signature, address proof, photograph, a few more basic prerequisites, and you are good to go! If you already hold a Saving Account or Current account with Kotak Mahindra Bank, you may log on to your Netbanking or mobile banking and book a FD right away ! Could it be easier? No, we bet!
Have a Saving/ Current account? Book a FD NOW!!!!
Know the list of documents required for fixed deposit here.
Select your preferred method.
You become liable for TDS* when the aggregate interest you earn for all deposits held in a particular customer ID is greater than Rs. 40,000/- (Rs.50,000 in case of senior citizen) in a financial year.
TDS is deducted every time the Bank pays/re-invests interest during the financial year in accordance with the provisions of Income Tax Act as amended from time to time.
When interest amount is insufficient to recover TDS, the same is recovered from the principal of the deposit.
Yes, in case of reinvestment deposits, the interest reinvested is post TDS recovery.
TDS is deducted every time the Bank pays/re-invests interest during the financial year. TDS is also deducted on unpaid interest accrued at the end of financial year viz. 31st March.
Sweep-in-facility
Never Worry About Running Out of Funds with Kotak, link your fixed deposit to your savings account using the Sweep in facility.
Mutual Funds
Apart from Deposits, Mutual Funds and Stock Market are also great investment ideas.
Check out our Mutual Fund section today.
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