Compare Kotak Mahindra Bank Regular Fixed Deposit and IDFC FIRST 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 comparing higher mid-tenure bank FD rates who also value monthly/quarterly payout options and the bank's stated senior-citizen premature-closure concession.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/kotak-bank-fixed-deposit-vs-idfc-first-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 9, 2026
Maintenance: Within the scheduled review window
1 attached source. 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 | IDFC FIRST 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. | Rates effective 25 July 2026 for deposits below ₹3 crore range from 3.25% to 7.25% p.a. for general customers and up to 7.50% p.a. for senior citizens; the 500-days-to-3-years band carries the reviewed peak rate. |
| Tenure / deposit band | The reviewed Domestic/NRO table covers deposits below ₹3 crore; separate rate treatment applies to larger and non-callable deposits. | Tenures run from 7 days to 10 years; the reviewed FAQ states a ₹10,000 minimum for branch-booked fixed deposits. |
| Payout / deposit features | Tenures from days to years, fixed contracted rate at booking and senior-citizen additions on eligible resident deposits. | Reinvestment/cumulative, monthly and quarterly payout choices; overdraft can be available up to 90% of FD amount under current terms; DICGC coverage applies within statutory limits. |
| 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 is allowed subject to the prescribed penalty; reviewed terms state no premature-closure penalty for eligible senior-citizen FDs below ₹3 crore. |
| Eligibility | Resident individuals and other eligible depositors under Kotak’s current KYC/deposit rules; senior additions apply to eligible resident senior citizens. | Eligible customers under IDFC FIRST Bank deposit KYC rules; senior-citizen premium applies from age 60 under current terms. |
| Rate / booking condition | The applicable rate is the bank-published rate for the selected amount and tenure on the value date of booking. | The rate and premature-closure rule are determined by the deposit's booking date, amount, tenure and customer category. |
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 | IDFC FIRST Bank Fixed Deposit |
|---|---|---|
| 1 year | 6.35% · senior 6.85% | 6.50% · senior 6.75% |
| 2 years | 6.80% · senior 7.30% | 7.25% · senior 7.50% |
| 3 years | 6.40% · senior 6.90% | 7.25% · senior 7.50% |
| 4 years | 6.40% · senior 6.90% | 6.75% · senior 7.00% |
| 5 years | 6.25% · senior 6.75% | 6.75% · senior 7.00% |
Schedule reference: June 10, 2026. Kotak callable term-deposit schedule for Domestic/NRO deposits below ₹3 crore effective 10 June 2026.
Schedule reference: July 25, 2026. IDFC FIRST retail fixed-deposit table below ₹3 crore.
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 9, 2026 · 1 attached first-party source