Kotak FD Calculator – Fixed Deposit Interest & Maturity

Planning to invest in a Kotak Mahindra Bank Fixed Deposit? Use our Kotak FD Calculator to accurately estimate your interest earnings, maturity amount, and total returns. Updated with the latest 2025 Kotak FD interest rates, this tool helps you make smarter savings decisions in just seconds.

Kotak FD Calculator

Kotak FD Returns in Seconds – Fast, Accurate & Reliable Calculator!

Enter FD Details
Calculate your returns and maturity amount for
Kotak Mahindra Bank Fixed Deposit.

Customer Type * Select Normal or Senior Citizen (60 years & above). Normal Senior Citizen

Senior citizens may receive higher interest rates (e.g., +0.5% p.a.).

Type of Fixed Deposit * Choose the FD type (e.g., Cumulative for reinvested interest). Cumulative Monthly Payout Quarterly Payout Short-Term

Select the type of FD (Cumulative compounds interest, others pay out periodically).

Deposit Amount (₹) * Enter the investment amount (e.g., 100000).

Enter the amount you wish to invest (minimum ₹5,000).

Time Period * Select Years, Months, or Days and enter duration (e.g., 5 Years).

Years Months Days

Select time unit and enter duration. Minimum tenure is 7 days.

Interest Rate (% p.a.) * Enter the annual interest rate (e.g., 7.1).

Enter the annual interest rate (default 7.1% for general, up to 7.6% for seniors).

Compounding Frequency * Select how often interest is compounded (applies to Cumulative FD). Quarterly Monthly Half-Yearly Yearly

Select how often interest is compounded for Cumulative FD.

Your FD Results

Invested Amount: ₹0.00

Estimated Returns: ₹0.00

Total Value: ₹0.00

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Results are based on the selected FD type and compounding frequency.

Disclaimer: This calculator provides an estimate based on the inputs provided. Actual maturity amounts may vary due to changes in interest rates, tax deductions (TDS at 10% for residents if interest exceeds ₹40,000 annually, 31.2% for NRO/foreign companies), or other factors. Interest rates range from 2.75% to 7.1% p.a. for general citizens and up to 7.6% for senior citizens for deposits below ₹3 crore. Minimum deposit is ₹5,000. Premature withdrawal (except tax-saving/non-withdrawable FDs) incurs penalties: 0% for ≤180 days, 0.5% for 181–364 days, 1% for ≥365 days. For precise rates, visit Kotak Mahindra Bank's official website.