For investors looking to reduce their exposure to risk, fixed deposits are one of the best options as they offer assured returns. Fixed deposits come with a predetermined interest rate, which remains unchanged throughout the tenor, irrespective of the market fluctuations.


Kotak Mahindra Bank offers a range of fixed deposit schemes with varying interest rates and different investment tenors. Using a Kotak FD calculator, you can estimate returns you can earn on different FD schemes by the bank.  

Thus, the Kotak Mahindra Bank fixed deposit calculator allows you to assess if a particular FD scheme is ideal to meet your financial goals. Read on to know why to use the Kotak Mahindra Bank fixed deposit calculator and see the current interest rates offered, too.

Kotak Mahindra Bank Fixed Deposit Calculator

Deposit Amount
Interest Rate
Interest Payout
Your Total Maturity Amount is
Your Total Maturity Amount is
Total Investment
Total Interest Earned

Interest Rates for Kotak Mahindra Bank FD

Your earnings from any FD majorly depend on the interest rates as per the investment tenors. By checking the latest interest rates that Kotak Mahindra Bank offers on its FD schemes, you can make the right investment decision. 


The following table shows the latest Kotak Mahindra Bank FD interest rates for deposits worth up to ₹2 Crores:

Investment Tenors

Regular Citizens

Senior Citizens

7 Days - 10 Years

2.75% - 7.25% p.a.

3.25% - 7.75% p.a.

Disclaimer: The above interest rates are current as of October 2023 and are subject to change as per the bank’s policy.

You can assess which terms suit you the best by comparing the returns you can earn using the Kotak Mahindra Bank FD calculator.

Benefits of the Kotak FD Calculator

Like any other investment instrument, fixed deposits also require you to assess if the scheme aligns with your needs and goals. The Kotak Mahindra Bank FD calculator helps you determine this in the following ways: 

1. Makes Calculations Convenient 

While you can use the mathematical formula to calculate FD returns manually, the entire process can be quite complicated and cumbersome. Instead, you can use the Kotak Bank fixed deposit calculator to complete the calculation in a few clicks. 


This enables you to assess returns using different combinations of tenors and principals without making mistakes. 

2. Helps Choose Ideal Initial Investment 

An FD calculator allows you to assess the returns you can get in a specific period by investing a certain amount. By tweaking the parameters to arrive at your desired returns using the Kotak Mahindra Bank FD calculator, you can make a better call about how much to invest. 

3. Enables Comparison 

A smart way to use the Kotak Mahindra Bank fixed deposit calculator is to compare the returns of the bank’s FD with those of other FD issuers. This helps you choose a fixed deposit scheme that offers the highest returns and helps you get closer to your goals. 

4. Saves Time

It is crucial to compare the different options available to you before you invest. However, calculating returns of different FD schemes can take up precious time. To save time and reduce your effort, simply rely on the Kotak Mahindra Bank fixed deposit calculator.

5. Helps You Plan Better

Estimating your FD returns before investing helps you see the bigger picture and make more informed decisions. By forecasting your earnings with an FD calculator, you can also diversify your portfolio better and choose other investment options to complement your FD. 


In addition to all these benefits, the Kotak Mahindra Bank FD calculator is very simple to use, as you only have to add three variables to calculate the returns. These include the initial investment amount, the investment tenor, and the interest rate.


Also, select whether you are a senior citizen or a regular investor. Lastly, choose the type of FD you are investing in, such as cumulative or non-cumulative, to get instant results. 


If you have decided to invest in FDs, you can browse multiple options on $$BrandName$$%. Choose a scheme that best suits your future goals and offers optimal returns, and invest seamlessly online. 


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial investment advice or endorsement of any sort. 

The information including interest rates with regard to fixed deposit, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any investment or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products. 

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FAQs on the Kotak Mahindra Bank FD Calculator

You need to enter three variables into the Kotak Mahindra Bank FD interest rate calculator to compute the FD returns. These include the initial investment amount, the interest rates, and the investment horizon.

The interest rate for an FD of ₹10 Lakhs from Kotak Mahindra Bank with a tenor of 3 years is 6.50% p.a. if you are a regular investor. As a senior citizen, you can get a rate of 7% p.a. Both these rates are applicable to cumulative FDs.

As of October 2023, you can enjoy an interest rate of 7.25% p.a. on an FD with a tenor of 23 months as a regular investor. As a senior citizen, you can get up to 7.75% on a Kotak Mahindra Bank FD with the same tenor.

Yes, the Kotak Mahindra Bank FD calculator allows you to estimate the amount you need to invest initially to earn desired returns.

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