Compare YES BANK Fixed Deposit and Kotak Mahindra Bank Regular 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.
Depositors comparing higher mid-tenure rates who can lock money for the relevant tenure and want the bank's published payout-frequency flexibility.
Kotak customers who want a conventional callable FD and prefer choosing among clearly published tenure bands rather than relying on one headline maximum rate.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/yes-bank-fixed-deposit-vs-kotak-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
1 attached source. A review date is not a guarantee that terms have stayed unchanged.
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.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
On a small screen, scroll this table sideways. The factor column stays visible.
Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.
| Decision factor | YES BANK Fixed Deposit | Kotak Mahindra Bank Regular Fixed Deposit |
|---|---|---|
| Current rate evidence | Rates effective 2 June 2026 for deposits below ₹3 crore reach 7.25% p.a. for regular customers and 7.75% p.a. for eligible senior citizens in selected tenure bands. | 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. |
| Tenure / deposit band | Minimum booking amount is ₹10,000; available tenure range is 7 days to 10 years. | The reviewed Domestic/NRO table covers deposits below ₹3 crore; separate rate treatment applies to larger and non-callable deposits. |
| Payout / deposit features | Monthly, quarterly or maturity interest payouts, digital booking through YES Online/iris/other supported bank channels, and additional senior-citizen rates under current conditions. | Tenures from days to years, fixed contracted rate at booking and senior-citizen additions on eligible resident deposits. |
| Liquidity / premature withdrawal | Reinvestment has a minimum tenure of 6 months and 1 day; premature withdrawal and monthly-payout calculations follow current bank terms and may reduce realised yield. | Premature withdrawal changes the realised rate and can attract a penalty under current term-deposit rules; non-callable deposits are a separate product. |
| Eligibility | Eligible depositors under YES BANK KYC rules; senior-citizen additional rates apply to eligible resident customers. | Resident individuals and other eligible depositors under Kotak’s current KYC/deposit rules; senior additions apply to eligible resident senior citizens. |
| Rate / booking condition | The rate is locked according to amount, tenure and customer category at booking; larger deposits use separate rate tables. | The applicable rate is the bank-published rate for the selected amount and tenure on the value date of booking. |
These are nominal annual rates from the reviewed first-party schedules. Effective dates can differ, and no universal winner is inferred from one tenure.
Rate table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.
| Tenure | YES BANK Fixed Deposit | Kotak Mahindra Bank Regular Fixed Deposit |
|---|---|---|
| 1 year | 6.65% · senior 7.15% | 6.35% · senior 6.85% |
| 15 months | 6.75% · senior 7.25% | 6.45% · senior 6.95% |
| 18 months | 6.75% · senior 7.25% | 6.55% · senior 7.05% |
| 2 years | 7.00% · senior 7.50% | 6.80% · senior 7.30% |
| 3 years | 7.00% · senior 7.75% | 6.40% · senior 6.90% |
| 4 years | 7.00% · senior 7.75% | 6.40% · senior 6.90% |
| 5 years | 6.75% · senior 7.50% | 6.25% · senior 6.75% |
Schedule reference: June 2, 2026. YES BANK retail fixed-deposit schedule below ₹3 crore.
Schedule reference: June 10, 2026. Kotak callable term-deposit schedule for Domestic/NRO deposits below ₹3 crore effective 10 June 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 · 1 attached first-party source
Reviewed September 9, 2026 · 2 attached first-party sources