{"id":16073,"date":"2026-09-08T16:21:24","date_gmt":"2026-09-08T10:51:24","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=16073"},"modified":"2026-09-08T16:21:26","modified_gmt":"2026-09-08T10:51:26","slug":"kotak-fixed-deposit-interest-rates-flexi-fd-comparison","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/","title":{"rendered":"Kotak FD Rates Sep 2026: Interest Rates, Flexi FD &amp; Comparison"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<h2 class=\"gpi-custom-widget-h2-content\"><span class=\"ez-toc-section\" id=\"Kotak_Mahindra_Banks_FD_rates_currently_go_up_to_680_for_regular_customers_and_730_for_senior_citizens_on_deposits_below_%E2%82%B93_crore_This_guide_covers_the_complete_rate_table_how_Kotaks_ActivMoney_sweep_facility_works_premature_withdrawal_rules_and_how_its_FDs_compare_with_other_fixed-income_options\"><\/span><strong>Kotak Mahindra Bank&#8217;s FD rates currently go up to 6.80% for regular customers and 7.30% for senior citizens on deposits below \u20b93 crore. This guide covers the complete rate table, how Kotak&#8217;s ActivMoney sweep facility works, premature withdrawal rules, and how its FDs compare with other fixed-income options.\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<p>Kotak Mahindra Bank&#8217;s fixed deposit rates in 2026 go up to 6.80% for regular customers and 7.30% for senior citizens on deposits below \u20b93 crore. But the headline rate is only one part of the FD equation. Tenure, liquidity, premature-withdrawal terms, taxation, and the way surplus money is managed can all affect the usefulness of a deposit.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/#Kotak_Mahindra_Banks_FD_rates_currently_go_up_to_680_for_regular_customers_and_730_for_senior_citizens_on_deposits_below_%E2%82%B93_crore_This_guide_covers_the_complete_rate_table_how_Kotaks_ActivMoney_sweep_facility_works_premature_withdrawal_rules_and_how_its_FDs_compare_with_other_fixed-income_options\" >Kotak Mahindra Bank&#8217;s FD rates currently go up to 6.80% for regular customers and 7.30% for senior citizens on deposits below \u20b93 crore. This guide covers the complete rate table, how Kotak&#8217;s ActivMoney sweep facility works, premature withdrawal rules, and how its FDs compare with other fixed-income options.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/#Kotak_FD_Interest_Rates_2026_for_Deposits_Below_%E2%82%B93_Crore\" >Kotak FD Interest Rates 2026 for Deposits Below \u20b93 Crore<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/#Which_Kotak_FD_Tenure_Offers_the_Highest_Interest_Rate\" >Which Kotak FD Tenure Offers the Highest Interest Rate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/#What_Is_Kotak_ActivMoney_or_Flexi_FD\" >What Is Kotak ActivMoney or Flexi FD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/#How_Does_Kotak_FD_Premature_Withdrawal_Work\" >How Does Kotak FD Premature Withdrawal Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/#Kotak_FD_vs_SBI_and_HDFC_Bank_FD_Rates\" >Kotak FD vs. SBI and HDFC Bank FD Rates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/#Is_Kotak_FD_Covered_by_DICGC_Insurance\" >Is Kotak FD Covered by DICGC Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/#Tax_on_Kotak_FD_Interest\" >Tax on Kotak FD Interest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/#What_Should_Investors_Compare_Before_Choosing_a_Kotak_FD\" >What Should Investors Compare Before Choosing a Kotak FD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/#Kotak_FD_Rates_2026_FAQs\" >Kotak FD Rates 2026 FAQs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/#Sources\" >Sources<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p>Kotak also offers ActivMoney, a two-way sweep facility that links fixed deposits to a savings or current account. It is designed to provide access to funds when the linked account falls short while allowing eligible surplus funds to earn FD rates. That makes it relevant for investors who want a combination of fixed-deposit returns and transactional liquidity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kotak_FD_Interest_Rates_2026_for_Deposits_Below_%E2%82%B93_Crore\"><\/span><strong>Kotak FD Interest Rates 2026 for Deposits Below \u20b93 Crore<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kotak Mahindra Bank&#8217;s published domestic\/NRO\/NRE FD rates for deposits below \u20b93 crore are effective from 10 June 2026. For regular customers, the highest rate is 6.80% for two years to less than three years. Resident senior citizens receive an additional 0.50 percentage point on the listed retail rates, taking the highest rate to 7.30%.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>FD tenure<\/strong><\/td><td><strong>Regular customers<\/strong><\/td><td><strong>Senior citizens<\/strong><\/td><\/tr><tr><td>7\u201314 days<\/td><td>2.75%<\/td><td>3.25%<\/td><\/tr><tr><td>15\u201330 days<\/td><td>2.75%<\/td><td>3.25%<\/td><\/tr><tr><td>31\u201345 days<\/td><td>3.00%<\/td><td>3.50%<\/td><\/tr><tr><td>46\u201390 days<\/td><td>3.50%<\/td><td>4.00%<\/td><\/tr><tr><td>91 days<\/td><td>4.00%<\/td><td>4.50%<\/td><\/tr><tr><td>92\u2013179 days<\/td><td>4.25%<\/td><td>4.75%<\/td><\/tr><tr><td>180 days<\/td><td>5.00%<\/td><td>5.50%<\/td><\/tr><tr><td>181\u2013269 days<\/td><td>5.50%<\/td><td>6.00%<\/td><\/tr><tr><td>270 days<\/td><td>5.50%<\/td><td>6.00%<\/td><\/tr><tr><td>271\u2013363 days<\/td><td>6.00%<\/td><td>6.50%<\/td><\/tr><tr><td>364 days<\/td><td>6.00%<\/td><td>6.50%<\/td><\/tr><tr><td>365 days to &lt;15 months<\/td><td>6.35%<\/td><td>6.85%<\/td><\/tr><tr><td>15 months to &lt;18 months<\/td><td>6.45%<\/td><td>6.95%<\/td><\/tr><tr><td>18 months to &lt;2 years<\/td><td>6.55%<\/td><td>7.05%<\/td><\/tr><tr><td>2 years to &lt;3 years<\/td><td>6.80%<\/td><td>7.30%<\/td><\/tr><tr><td>3 years to &lt;4 years<\/td><td>6.40%<\/td><td>6.90%<\/td><\/tr><tr><td>4 years to &lt;5 years<\/td><td>6.40%<\/td><td>6.90%<\/td><\/tr><tr><td>5 years to 10 years<\/td><td>6.25%<\/td><td>6.75%<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p><em>Source: Kotak Mahindra Bank<\/em><\/p>\n\n\n\n<p>The rates are subject to change, so the applicable rate should be checked when the deposit is actually booked. Kotak states that the minimum FD amount is \u20b95,000, with no stated maximum deposit limit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_Kotak_FD_Tenure_Offers_the_Highest_Interest_Rate\"><\/span><strong>Which Kotak FD Tenure Offers the Highest Interest Rate?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For deposits below \u20b93 crore, the 2-year to less-than-3-year tenure currently offers Kotak&#8217;s highest rate: 6.80% for regular customers and 7.30% for senior citizens. The rate falls to 6.40% for three years to less than five years and 6.25% for five to 10 years. That makes the highest-rate tenure fairly clear, but investors don&#8217;t necessarily need to select it. A shorter maturity may be more appropriate when the money is likely to be needed earlier, while a longer FD can lock in the contracted rate for a longer period.<\/p>\n\n\n\n<p>The relevant comparison is therefore not simply \u201cWhich tenure pays the most? &#8220;Which tenure matches when I expect to need the money?\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_Kotak_ActivMoney_or_Flexi_FD\"><\/span><strong>What Is Kotak ActivMoney or Flexi FD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kotak&#8217;s ActivMoney is essentially a sweep-in\/sweep-out arrangement rather than a conventional standalone \u201cflexi FD.&#8221; When the facility is activated, surplus money in the linked savings account can be automatically moved into fixed deposits. If the savings-account balance subsequently falls below the specified threshold, funds can be swept back from the FD to meet the shortfall. Kotak says the facility can use multiple linked deposits, with the most recently booked deposit swept in first.<\/p>\n\n\n\n<p>For ActivMoney deposits, Kotak states that its regular FD rates apply to customers, including senior citizens. This is an important distinction: the senior-citizen rate benefit does not apply to ActivMoney, according to the bank&#8217;s FD disclosures. The facility can therefore be useful for someone who regularly keeps surplus cash in a savings account but may occasionally need access to it. However, the mechanics and applicable terms should be checked before activating it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Does_Kotak_FD_Premature_Withdrawal_Work\"><\/span><strong>How Does Kotak FD Premature Withdrawal Work?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kotak permits premature withdrawal for eligible FDs, although the interest payable can be lower than the contracted rate and a penalty may apply.<\/p>\n\n\n\n<p>For deposits booked or renewed from 20 May 2022, the bank&#8217;s published penalty schedule is<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to 180 days: no penalty<\/li>\n\n\n\n<li>181\u2013364 days: 0.50%<\/li>\n\n\n\n<li>365 days and above: 1.00%<\/li>\n<\/ul>\n\n\n\n<p>Kotak states that on premature withdrawal, interest is calculated using the lower of the rate applicable when the deposit was booked for the period it remained with the bank or the contracted rate, after the applicable penalty. This makes liquidity an important consideration when comparing tenures. An FD with a slightly higher rate may not necessarily produce a higher realized return if it has to be broken early.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kotak_FD_vs_SBI_and_HDFC_Bank_FD_Rates\"><\/span><strong>Kotak FD vs. SBI and HDFC Bank FD Rates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A rate comparison provides useful context, but it shouldn&#8217;t be presented as a ranking. For example, SBI&#8217;s current retail domestic FD rates <sup>[1]<\/sup> include 6.25% for one year to less than two years and 6.45% for two years to less than three years for the general public. Its corresponding senior-citizen rates are 6.75% and 6.95%.<\/p>\n\n\n\n<p>HDFC Bank&#8217;s rates <sup>[2],<\/sup> effective 19 August 2026 include 6.25% for one year to less than 15 months, 6.35% for 15 to less than 18 months, and 6.45% for 18 to less than 21 months for deposits below \u20b93 crore.<\/p>\n\n\n\n<p>Kotak&#8217;s 6.80% rate for two years to less than three years is therefore higher than the corresponding <a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/\" type=\"post\" id=\"11276\">SBI retail rate<\/a>. But an FD comparison should also consider tenure, premature-withdrawal terms, deposit insurance, and how much money is being concentrated in one bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Latest Fixed Deposit Updates:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/\" aria-label=\"Kotak FD Rates Sep 2026: Interest Rates, Flexi FD &amp; Comparison\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08161932\/Kotak-Mahindra-Banks-FD-rates-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Kotak Mahindra Bank&#039;s FD rates\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08161932\/Kotak-Mahindra-Banks-FD-rates-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08161932\/Kotak-Mahindra-Banks-FD-rates-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08161932\/Kotak-Mahindra-Banks-FD-rates-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08161932\/Kotak-Mahindra-Banks-FD-rates-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08161932\/Kotak-Mahindra-Banks-FD-rates.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/\">Kotak FD Rates Sep 2026: Interest Rates, Flexi FD &amp; Comparison<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/yes-bank-fixed-deposit-interest-rates\/\" aria-label=\"YES Bank Fixed Deposit Rates Sep 2026: Current Rates, Safety Review &amp; FD Alternatives\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08153020\/Yes-Bank-Fd-Fixed-Deposit-rates-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Yes Bank Fd Fixed Deposit rates\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08153020\/Yes-Bank-Fd-Fixed-Deposit-rates-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08153020\/Yes-Bank-Fd-Fixed-Deposit-rates-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08153020\/Yes-Bank-Fd-Fixed-Deposit-rates-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08153020\/Yes-Bank-Fd-Fixed-Deposit-rates-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08153020\/Yes-Bank-Fd-Fixed-Deposit-rates.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/yes-bank-fixed-deposit-interest-rates\/\">YES Bank Fixed Deposit Rates Sep 2026: Current Rates, Safety Review &amp; FD Alternatives<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-special-fd-vs-standard-fd-which-tenure-gives-higher-interest-in-2026\/\" aria-label=\"SBI Special FD vs. Standard FD: Which Tenure Gives Higher Interest in 2026?\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08124239\/SBI-Special-FD-vs-Standard-FD-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"SBI Special FD vs Standard FD\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08124239\/SBI-Special-FD-vs-Standard-FD-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08124239\/SBI-Special-FD-vs-Standard-FD-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08124239\/SBI-Special-FD-vs-Standard-FD-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08124239\/SBI-Special-FD-vs-Standard-FD-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08124239\/SBI-Special-FD-vs-Standard-FD.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-special-fd-vs-standard-fd-which-tenure-gives-higher-interest-in-2026\/\">SBI Special FD vs. Standard FD: Which Tenure Gives Higher Interest in 2026?<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_Kotak_FD_Covered_by_DICGC_Insurance\"><\/span><strong>Is Kotak FD Covered by DICGC Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kotak Mahindra Bank is an insured bank under the DICGC framework. Eligible deposits, including FDs, are insured up to \u20b95 lakh per depositor per bank, covering principal and accrued interest. Deposits held in different branches of the same bank are aggregated for this limit, while eligible deposits at different banks are separately insured. For investors with sizeable FD portfolios, this makes bank diversification relevant. DICGC insurance should not be interpreted as coverage for the entire amount placed in an FD.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tax_on_Kotak_FD_Interest\"><\/span><strong>Tax on Kotak FD Interest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Interest earned on a Kotak FD is taxable according to the applicable income-tax rules and the investor&#8217;s tax position. TDS may also apply when the relevant statutory conditions are met. Kotak&#8217;s current disclosure states that it <a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/tds-on-bond-interest-in-2026-rules-rates-what-to-do\/\" type=\"post\" id=\"15414\">deducts TDS<\/a> on interest accrued but not due as required under the applicable tax provisions.<\/p>\n\n\n\n<p>For comparing FDs, therefore, the post-tax return can be more relevant than the headline interest rate, particularly for investors in higher tax brackets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Should_Investors_Compare_Before_Choosing_a_Kotak_FD\"><\/span><strong>What Should Investors Compare Before Choosing a Kotak FD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The interest rate is only one variable. Investors comparing Kotak with other bank FDs can look at the tenure, liquidity, premature-closure penalty, DICGC coverage, tax impact, and the bank&#8217;s current financial disclosures.\u00a0<\/p>\n\n\n\n<p>Kotak&#8217;s latest Q1 FY27 results show total period-end deposits of \u20b95.73 lakh crore, up 12% <sup>[3]<\/sup> year-on-year, while its management reported a 22.8% overall capital adequacy ratio and 22.4% CET-1 ratio as of June 30, 2026.<\/p>\n\n\n\n<p>These figures provide context on the bank&#8217;s current financial position, but they should not be interpreted as a guarantee of future performance or as a substitute for deposit diversification.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kotak_FD_Rates_2026_FAQs\"><\/span><strong>Kotak FD Rates 2026 FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1788862158586\"><strong class=\"schema-faq-question\">Q1. <strong>What is the highest Kotak FD rate in 2026?<\/strong><\/strong> <p class=\"schema-faq-answer\">For deposits below \u20b93 crore, Kotak&#8217;s highest rate is currently 6.80% for regular customers and 7.30% for senior citizens, on the two-year to less-than-three-year tenure.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1788862170001\"><strong class=\"schema-faq-question\">Q2. <strong>What is Kotak ActivMoney?<\/strong><\/strong> <p class=\"schema-faq-answer\">ActivMoney is Kotak&#8217;s two-way sweep facility, which links an FD to a savings or current account and automatically moves funds between them when required, subject to the applicable terms.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1788862182193\"><strong class=\"schema-faq-question\">Q3. <strong>Do senior citizens get an extra rate on ActivMoney?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. Kotak states that regular FD rates apply to ActivMoney, including for senior citizens.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1788862193195\"><strong class=\"schema-faq-question\">Q4. <strong>What is the premature-withdrawal penalty on a Kotak FD?<\/strong><\/strong> <p class=\"schema-faq-answer\">For deposits booked or renewed from 20 May 2022, the penalty is nil up to 180 days, 0.50% from 181 to 364 days and 1% from 365 days onward.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1788862205623\"><strong class=\"schema-faq-question\">Q5. <strong>Is Kotak FD covered by DICGC?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. Eligible deposits are covered up to \u20b95 lakh per depositor per bank, including principal and interest.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sources\"><\/span><strong>Sources<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a rel=\"nofollow\" href=\"https:\/\/sbi.bank.in\/web\/interest-rates\/deposit-rates\/retail-domestic-term-deposits\">SBI \u2014 Retail Domestic Term Deposit Rates<\/a><\/li>\n\n\n\n<li><a rel=\"nofollow\" href=\"https:\/\/www.hdfc.bank.in\/interest-rates\">HDFC Bank \u2014 Current FD Interest Rates<\/a><\/li>\n\n\n\n<li><a rel=\"nofollow\" href=\"https:\/\/www.kotak.bank.in\/content\/dam\/Kotak\/investor-relation\/Financial-Result\/QuarterlyReport\/FY-2027\/q1\/transcript\/Q1FY27-Transcript.pdf\">Kotak Mahindra Bank \u2014 Q1 FY27 investor call transcript<\/a><\/li>\n<\/ol>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Ready to Invest?<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p>Visit <a href=\"https:\/\/goldenpi.com\/\">GoldenPi<\/a> to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b930,000.<\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities\/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and\/or default in payment. Read all the offer-related documents carefully. This blog\/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products\/services of\/on GoldenPi or any product\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.&nbsp;<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Quick Summary: Kotak Mahindra Bank&#8217;s FD rates currently go up to 6.80% for regular customers and 7.30% for senior citizens on&hellip;<\/p>\n","protected":false},"author":15,"featured_media":16076,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[225,25],"tags":[],"class_list":["post-16073","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit","category-bond-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kotak FD Rates Sep 2026: Interest Rates, Flexi FD &amp; Comparison<\/title>\n<meta name=\"description\" content=\"Check Kotak FD interest rates in 2026, tenure options, Flexi FD features and returns. 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