Compare Kotak Mahindra Bank Regular Fixed Deposit and HDFC Bank Fixed Deposit using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Kotak customers who want a conventional callable FD and prefer choosing among clearly published tenure bands rather than relying on one headline maximum rate.
Savers who want a large-bank fixed deposit with tenures from days to years and are willing to choose the tenure based on the current dated rate table rather than an evergreen headline rate.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/kotak-bank-fixed-deposit-vs-hdfc-bank-fixed-deposit/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 10, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | Kotak Mahindra Bank Regular Fixed Deposit | HDFC Bank Fixed Deposit |
|---|---|---|
| Current rate evidence | The reviewed callable schedule effective 10 June 2026 reaches 6.80% p.a. for general customers in the 2-year-to-under-3-year band; eligible resident senior rates are generally higher by 0.50 percentage point. | For retail deposits below ₹3 crore, the reviewed table applicable from 19 August 2026 ranges from 2.75% to 6.50% p.a. for general customers and from 3.25% to 7.10% p.a. for eligible resident senior citizens. |
| Tenure / deposit band | The reviewed Domestic/NRO table covers deposits below ₹3 crore; separate rate treatment applies to larger and non-callable deposits. | Retail rate table covers deposits below ₹3 crore across tenures from 7 days to 10 years; NRE deposits have separate minimum-tenure rules. |
| Payout / deposit features | Tenures from days to years, fixed contracted rate at booking and senior-citizen additions on eligible resident deposits. | Cumulative/reinvestment and payout options are available under current deposit terms; senior citizens receive tenure-specific additional rates on eligible resident deposits. |
| Liquidity / premature withdrawal | Premature withdrawal changes the realised rate and can attract a penalty under current term-deposit rules; non-callable deposits are a separate product. | Premature withdrawal can reduce the applicable interest rate and may attract the bank's prevailing penalty; large/non-withdrawable deposits use separate rate tables. |
| Eligibility | Resident individuals and other eligible depositors under Kotak’s current KYC/deposit rules; senior additions apply to eligible resident senior citizens. | Resident individuals and other eligible depositors under HDFC Bank's current deposit-opening/KYC rules; NRE/NRO treatment differs by deposit type. |
| Rate / booking condition | The applicable rate is the bank-published rate for the selected amount and tenure on the value date of booking. | The applicable rate is the rate available when the deposit is actually booked; customers should confirm the final rate on the booking screen or branch advice. |
These are nominal annual rates from the reviewed first-party schedules. Effective dates can differ, and no universal winner is inferred from one tenure.
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| Tenure | Kotak Mahindra Bank Regular Fixed Deposit | HDFC Bank Fixed Deposit |
|---|---|---|
| 1 year | 6.35% · senior 6.85% | 6.25% · senior 6.75% |
| 15 months | 6.45% · senior 6.95% | 6.35% · senior 6.85% |
| 18 months | 6.55% · senior 7.05% | 6.45% · senior 6.95% |
| 2 years | 6.80% · senior 7.30% | 6.45% · senior 6.95% |
| 3 years | 6.40% · senior 6.90% | 6.45% · senior 6.95% |
| 4 years | 6.40% · senior 6.90% | 6.50% · senior 7.10% |
| 5 years | 6.25% · senior 6.75% | 6.40% · senior 6.90% |
Schedule reference: June 10, 2026. Kotak callable term-deposit schedule for Domestic/NRO deposits below ₹3 crore effective 10 June 2026.
Schedule reference: August 19, 2026. HDFC Bank Domestic/NRO/NRE fixed-deposit table below ₹3 crore applicable from 19 August 2026.
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.
One side's source depth or freshness never fills a gap in the other record.
These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 9, 2026 · 2 attached first-party sources
Reviewed September 10, 2026 · 2 attached first-party sources