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Kotak Mahindra Bank logoPrivate Bank3 products

Kotak Mahindra Bank

Kotak Mahindra Bank is a private bank headquartered in Mumbai, founded in 1985. We track 3 of its products: home loan, personal loan, fixed deposit.

Founded
1985
Headquarters
Mumbai
Type
Private Bank
Official site
www.kotak.com

Private sector bank. Floating retail loans are priced off an external benchmark, so RBI rate cuts pass through within a reset cycle.

Kotak Mahindra Bank at a glance

Home loan from7.60%Advertised floor, not a typical offer
Fixed deposit up to6.50%7.30% for senior citizens
Home loan rank#8of 12, 0.40% off the best

Rates and fees

ProductAdvertised ratePublished ceilingTermsFee
Home loan7.60%9.50%Repo-linked (EBLR)Up to 0.5%
Personal loan10.50%24.00%Up to 6 yearsUp to 5%
Fixed deposit6.50%—7.30% for senior citizens2 to <3 years

Data as of 15 Aug 2026Source: Lender rate cards and published comparisons across 3 productsPending issuer verification