What are the latest Kotak interest rates?

Kotak indicative rates shown here include savings 3.50%, FD 6.65%, RD 6.50%, home loan from 8.70%, and personal loan from 10.99%. Confirm on the official bank page.

Does Kotak offer higher FD rates for senior citizens?

Yes — senior citizen FD is shown around 7.15% (indicative). Exact slabs and tenure rules vary; verify on Kotak's deposit rate page.

What is the Kotak home loan interest rate range?

Starting around 8.70% up to about 9.90%, depending on credit profile, LTV and offer type.

What is the Kotak personal loan interest rate?

Indicative starting rate is 10.99%, with a typical range up to 18.00%. Final rate depends on eligibility.

How often do banks revise interest rates?

Deposit and loan rates can change after RBI policy decisions or bank ALCO reviews — often multiple times a year. Use the effective date and official links on this page.

Kotak Mahindra Bank Interest Rates

Savings, FD, RD, home loan and personal loan rates for Kotak with calculators, eligibility snapshot and FAQs.

Effective from 2026-07-11 · Type: private

Savings

3.50%

Prev 3.40% (+0.10)

6.65%

Prev 6.50% (+0.15)

6.50%

Prev 6.40% (+0.10)

Home Loan

8.70%

Prev 8.80% (-0.10)

Personal Loan

10.99%

Prev 11.19% (-0.20)

Senior citizen FD (indicative): 7.15%

Rate Trends (6–12 months)

Home Loan

Loan Eligibility Snapshot

Home Loan

Rate range: 8.70% – 9.90%
Tenure: up to 25 years
Max amount: ₹500 lakh+
Processing fee: From 0.50% + GST
Floating home loan foreclosure typically free for individuals.

Personal Loan

Rate range: 10.99% – 18.00%
Tenure: up to 5 years
Max amount: ₹40 lakh+
Processing fee: From 1% + GST
Foreclosure may attract charges in some cases.

Calculators

FD Calculator @ 6.65%RD Calculator @ 6.50%Home Loan EMI @ 8.70%Personal Loan EMI @ 10.99%

FD Calculator RD Calculator EMI Calculator Home Loan Calculator Personal Loan Calculator Compound Interest / Rate to ₹

Official Kotak pages

← Back to all bank rates comparison

About Kotak interest rates

Bank interest-rate page with indicative deposit and loan slabs for quick comparison.

How it works

Review highlighted rates, then confirm tenure and penalties on the bank’s official page.

Practical tips

Use FD/RD and EMI calculators with these starting rates for scenarios.

Important to know

Not a sanctioned offer.

Frequently Asked Questions

What are the latest Kotak interest rates?: Kotak indicative rates shown here include savings 3.50%, FD 6.65%, RD 6.50%, home loan from 8.70%, and personal loan from 10.99%. Confirm on the official bank page.
Does Kotak offer higher FD rates for senior citizens?: Yes — senior citizen FD is shown around 7.15% (indicative). Exact slabs and tenure rules vary; verify on Kotak's deposit rate page.
What is the Kotak home loan interest rate range?: Starting around 8.70% up to about 9.90%, depending on credit profile, LTV and offer type.
What is the Kotak personal loan interest rate?: Indicative starting rate is 10.99%, with a typical range up to 18.00%. Final rate depends on eligibility.
How often do banks revise interest rates?: Deposit and loan rates can change after RBI policy decisions or bank ALCO reviews — often multiple times a year. Use the effective date and official links on this page.