Kotak Bank RD (Recurring Deposit) Rates 2025

Updated on August 28, 2025 , 4250 views

The Kotak Recurring deposit is designed for customers to achieve their goals in their own terms. The RD scheme by Kotak gives individuals the freedom to choose a period and an amount you wish to invest every month and earn healthy returns at applicable interest rate.

A recurring deposit is an investment cum savings option for those who want to save regularly over a certain period of time and earn a higher interest rate. It is a type of term deposit which allows one to save a fixed amount of money every month systematically. If you are familiar with SIP in Mutual Funds, RD works similarly in banking. Every month, a fixed amount of money is deducted either from a savings or a current account. And, at the end of the maturity, investors are paid back their invested money with accrued interest.

A user willing to open an RD account with Kotak Bank can choose any amount and term according to your convenience.

Kotak Bank RD Interest Rates 2025

Here's the list of Kotak Bank RD Interest Rates for Resident Individuals & HUF only.

Period	Interest Rate p.a. ( %)	Senior Citizen Rates p.a. ( %)
6 Months	5.00%	6.00%
9 Months	5.75%	6.25%
12 Months	6.25%	6.75%
15 Months	6.40%	6.90%
18 Months	6.40%	6.90%
21 Months	6.40%	6.90%
24 Months	6.40%	6.90%
27 Months	6.40%	6.90%
30 Months	6.40%	6.90%
33 Months	6.40%	6.90%
3 years - less than 4 years	6.30%	6.80%
4 years - less than 5 years	6.25%	6.75%
5 years - 10years	6.20%	6.70%

Interest rates are subject to change from time to time. Kindly contact the bank branch to know the latest RD rates

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Features of Kotak RD Account

Even a minor can open an Recurring Deposit account with Kotak Bank
The bank provides nomination Facility to all its users
With a Kotak's RD account can choose a convenient deposit tenure ranging from 12 months to 120 months
The minimum amount deposited in the account can be in multiples of INR 5,000 or INR 10,000
Penalty for non-payment or delayed payment of the monthly deposit is calculated at 2 percent per annum

Penalty on Delay in RD Installment

If an user delays in the payment of any installment post grace period of five days, penal interest at the rate of Recurring Deposit interest rate (contracted rate of interest at the time of booking of the RD) + 2 percent (p.a.) or such other rate as may be specified by the bank from time to time, will be charged for the month of delay.

Premature Withdrawal of RD

A penal charge of 0.5 percent is applicable. The interest will be paid at the rate prevailing on the date of deposit for the tenure the deposit remained with the bank or at the contracted rate, whichever is lower, post deducting the penal charge. In case of premature closure of this deposit within a month, no interest shall be paid and only principal amount will be returned.

Kotak RD Calculator

A Recurring Deposit calculator is a good way of calculating maturity amount on RD. You can follow this method to estimate your RD amount on maturity.

Illustration-

RD Calculator	INR
Monthly Deposit Amount	500
RD in month	60
Rate of Interest	7%
RD Maturity Amount	INR 35,966
Interest Earned	INR 5,966

RD Calculator

Investment Amount:₹180,000

Interest Earned:₹21,001

Maturity Amount: ₹201,001

Watch How your Money Grows with Recurring Deposit

Tenure	Interest rates	Interest rates	1000		3000		5000		10,000
			Regular	Sr Citizen	Regular	Sr Citizen	Regular	Sr Citizen	Regular	Sr Citizen
6 Months	7.10%	7.60%	6,125	6,134	18,374	18,401	30,624	30,668	61,247	61,336
9 Months	7.25%	7.75%	9,275	9,294	27,824	27,881	46,373	46,469	92,746	92,938
12 Months	7.40%	7.90%	12,489	12,523	37,467	37,568	62,445	62,613	124,890	125,226
24 Months	7.25%	7.75%	25,887	26,023	77,662	78,070	129,437	130,116	258,874	260,233
36 Months	7.10%	7.60%	40,200	40,517	120,601	121,550	201,001	202,583	402,002	405,165
48 Months	7.00%	7.50%	55,484	56,069	166,451	168,207	277,418	280,345	554,837	560,691
60 Months	6.50%	7.00%	70,991	71,933	212,972	215,798	354,954	359,664	709,908	719,328
120 Months	6.50%	7.00%	168,988	173,702	506,964	521,105	844,940	868,509	1,689,880	1,737,017

Disclaimer: Interest rates applicable are the same as that for Term Deposits, and are subject to change from time to time. Senior Citizens earn an additional 0.50%. Maturity amounts have been rounded off to the nearest rupee.

Documents to Open Kotak Bank RD Account

1. Proof of Identity

Passport
PAN Card
Driving license
Voter ID card
Government ID card
Photo ration card
Senior citizen ID card

2. Address proof

Passport
Electricity bill
Telephone bill
Bank statement with Cheque
Certificate/ ID card issued by Post Office

Why Investing in SIP is Beneficial?

Systematic Investment plan (SIP) is a way to put your money in mutual funds. Investment can be done on a periodic Basis - daily, weekly, monthly or quarterly
You need to deposit a small amount of money at every interval. The minimum amount can be as low as INR 500
SIPs can help in all kinds of investment goals, whether short- or long –term, depending on the frequency of investment, funds chosen and other factors
SIPs offer flexible instalment plans of daily, weekly, monthly, quarterly etc
Returns can be earned better here. The longer you invest via a SIP in mutual funds, especially in an Equity Fund, the higher are the chances to earn good returns
To Cancel SIP, the investors can simply close their investment and withdraw their money without any penal charges

Best Performing SIPs to Invest 2025

Here's a list of best performing equity SIPs for an investment horizon of five years and above

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP US Flexible Equity Fund Growth	₹67.7396 ↑ 0.40	₹989	500	14.6	16.2	23	17.4	16.6	17.8
Franklin Asian Equity Fund Growth	₹31.6147 ↓ -0.32	₹270	500	8	12.3	11.3	7.9	3.1	14.4
ICICI Prudential Banking and Financial Services Fund Growth	₹129.98 ↓ -0.36	₹9,930	100	-2.1	12.3	6.5	15.4	18.9	11.6
Invesco India Growth Opportunities Fund Growth	₹98.98 ↓ -0.83	₹8,007	100	4	22.3	6.2	24.5	23	37.5
Motilal Oswal Multicap 35 Fund Growth	₹61.1164 ↑ 0.04	₹13,727	500	1.4	15.8	3.4	23	18.8	45.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Aug 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP US Flexible Equity Fund	Franklin Asian Equity Fund	ICICI Prudential Banking and Financial Services Fund	Invesco India Growth Opportunities Fund	Motilal Oswal Multicap 35 Fund
Point 1	Bottom quartile AUM (₹989 Cr).	Bottom quartile AUM (₹270 Cr).	Upper mid AUM (₹9,930 Cr).	Lower mid AUM (₹8,007 Cr).	Highest AUM (₹13,727 Cr).
Point 2	Established history (13+ yrs).	Established history (17+ yrs).	Established history (17+ yrs).	Oldest track record among peers (18 yrs).	Established history (11+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 16.59% (bottom quartile).	5Y return: 3.09% (bottom quartile).	5Y return: 18.94% (upper mid).	5Y return: 23.04% (top quartile).	5Y return: 18.76% (lower mid).
Point 6	3Y return: 17.39% (lower mid).	3Y return: 7.87% (bottom quartile).	3Y return: 15.42% (bottom quartile).	3Y return: 24.55% (top quartile).	3Y return: 22.96% (upper mid).
Point 7	1Y return: 22.97% (top quartile).	1Y return: 11.30% (upper mid).	1Y return: 6.54% (lower mid).	1Y return: 6.20% (bottom quartile).	1Y return: 3.43% (bottom quartile).
Point 8	Alpha: -1.71 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: -3.35 (bottom quartile).	Alpha: 12.86 (top quartile).	Alpha: 10.18 (upper mid).
Point 9	Sharpe: 0.78 (top quartile).	Sharpe: 0.57 (upper mid).	Sharpe: 0.37 (lower mid).	Sharpe: 0.28 (bottom quartile).	Sharpe: 0.11 (bottom quartile).
Point 10	Information ratio: -0.40 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.18 (lower mid).	Information ratio: 1.21 (top quartile).	Information ratio: 0.80 (upper mid).

DSP US Flexible Equity Fund

Bottom quartile AUM (₹989 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: High.
5Y return: 16.59% (bottom quartile).
3Y return: 17.39% (lower mid).
1Y return: 22.97% (top quartile).
Alpha: -1.71 (bottom quartile).
Sharpe: 0.78 (top quartile).
Information ratio: -0.40 (bottom quartile).

Franklin Asian Equity Fund

Bottom quartile AUM (₹270 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 3.09% (bottom quartile).
3Y return: 7.87% (bottom quartile).
1Y return: 11.30% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.57 (upper mid).
Information ratio: 0.00 (bottom quartile).

ICICI Prudential Banking and Financial Services Fund

Upper mid AUM (₹9,930 Cr).
Established history (17+ yrs).
Rating: 5★ (lower mid).
Risk profile: High.
5Y return: 18.94% (upper mid).
3Y return: 15.42% (bottom quartile).
1Y return: 6.54% (lower mid).
Alpha: -3.35 (bottom quartile).
Sharpe: 0.37 (lower mid).
Information ratio: 0.18 (lower mid).

Invesco India Growth Opportunities Fund

Lower mid AUM (₹8,007 Cr).
Oldest track record among peers (18 yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 23.04% (top quartile).
3Y return: 24.55% (top quartile).
1Y return: 6.20% (bottom quartile).
Alpha: 12.86 (top quartile).
Sharpe: 0.28 (bottom quartile).
Information ratio: 1.21 (top quartile).

Motilal Oswal Multicap 35 Fund

Highest AUM (₹13,727 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.76% (lower mid).
3Y return: 22.96% (upper mid).
1Y return: 3.43% (bottom quartile).
Alpha: 10.18 (upper mid).
Sharpe: 0.11 (bottom quartile).
Information ratio: 0.80 (upper mid).

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.