Kotak Mahindra Bank— Banking Products & Rates 2026
Compare Kotak interest rates across FDs, loans, savings, and more. All data updated for 2026.
Kotak Products (10)
- FD Rates
Fixed deposit interest rates across all tenures
View rates → - Savings Account Interest
Savings account interest rate and features
View rates → - Home Loan Rate
Home loan rates, EMI, and eligibility
View rates → - Car Loan Rate
New and used car loan interest rates
View rates → - Personal Loan Rate
Unsecured personal loan rates and quick disbursal
View rates → - Education Loan Rate
Study loan rates for India and abroad
View rates → - Credit Card Features
Credit card benefits, fees, and reward programs
View rates → - Recurring Deposit
Monthly RD rates and maturity calculations
View rates → - NRE/NRO Account
NRI account rates and repatriation rules
View rates → - Locker Charges
Locker annual fees by size and city tier
View rates →
Kotak Rate Summary
| Product | Quick Answer |
|---|---|
| FD Rates | Kotak Mahindra Bank offers FD rates ranging from 6.5–7.4% p.a. for general customers and 7–7.9% p.a. for senior citizens... |
| Savings Account Interest | Kotak Mahindra Bank currently offers a savings account interest rate of 3.5–4% p.a.. Interest is calculated on daily clo... |
| Home Loan Rate | Kotak Mahindra Bank home loan interest rates start at 8.75% p.a. and go up to 9.95% p.a. (as of early 2026). Rates are l... |
| Car Loan Rate | Kotak Mahindra Bank car loan interest rates range from 8.75–10% p.a. for new cars. The actual rate depends on your credi... |
| Personal Loan Rate | Kotak Mahindra Bank personal loan interest rates range from 10.99–24% p.a.. Existing customers with salary accounts may ... |
| Education Loan Rate | Kotak Mahindra Bank education loan rates range from 9.5–13% p.a.. Loans up to ₹7.5 lakh do not require collateral. Inter... |
| Credit Card Features | Kotak Mahindra Bank offers credit cards ranging from entry-level cashback cards to premium travel and lifestyle cards. K... |
| Recurring Deposit | Kotak Mahindra Bank offers a recurring deposit (RD) interest rate of approximately 7.1% p.a. RDs allow systematic monthl... |
| NRE/NRO Account | Kotak Mahindra Bank NRE fixed deposits earn 7.1% p.a. (tax-free in India). NRE accounts hold repatriable foreign earning... |
| Locker Charges | Kotak Mahindra Bank offers bank lockers in small, medium, large, and extra-large sizes. Annual charges vary by city tier... |