Kotak Mahindra Bank Recurring Deposit
Kotak's resident recurring-deposit table publishes a clear 6-month-to-10-year rate ladder with special senior-citizen additions that vary by tenure band.
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
Recorded source review date, not a claim that the product changed that day.
Target recheck: October 9, 2026.
Rate, tenure, liquidity and booking conditions belong together.
A headline deposit rate is incomplete without the dated schedule, tenure band, customer category and premature-withdrawal rules.
Recurring deposit evidence stays in its own structure.
Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.
Rate anchors you can compare without reading a headline maximum.
Only tenure points directly represented by the reviewed bank schedule are stored. We do not interpolate a rate between published bands.
| Tenure | General | Eligible senior |
|---|---|---|
| 6 months | 5.50% | 6.00% |
| 9 months | 6.00% | 6.50% |
| 1 year | 6.35% | 6.85% |
| 15 months | 6.45% | 6.95% |
| 18 months | 6.55% | 7.05% |
| 21 months | 6.55% | 7.05% |
| 2 years | 6.80% | 7.30% |
| 30 months | 6.80% | 7.30% |
| 3 years | 6.40% | 7.00% |
| 4 years | 6.40% | 7.00% |
| 5 years | 6.25% | 6.75% |
Rate basis: Kotak recurring-deposit table for resident individuals/HUFs effective 10 June 2026. · Effective/reference date: June 10, 2026
Dated deposit-rate snapshots.
Effective-date evidence is preserved instead of silently replacing an older rate when a bank reprices new deposits.
Kotak recurring-deposit table for resident individuals/HUFs effective 10 June 2026.
Fees, balances, benefits, limits and eligibility without a single-score shortcut.
These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.
Who this record appears designed for—and what can break the fit.
Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.
Kotak customers who want a straightforward monthly deposit and can choose among the published tenure bands instead of chasing one headline rate.
- Senior-citizen additions are not identical across every tenure.
- The rate table can change for new bookings.
- Premature closure can reduce realised interest.
Compare this product only where the pair is deliberately maintained.
Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.
Complete evidence set for this maintained profile.
Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.