KOTAK FD Calculator
Calculate your KOTAK Fixed Deposit returns with compound interest. Plan your investments and understand the impact of different interest rates and tenures.
FD Planning
Calculate returns on your fixed deposit investments
Interest Analysis
Compare simple and compound interest earnings
Auto-Renewal Impact
See how reinvestment affects your returns
Tax Impact
Understand post-tax returns on your FD investment
Calculate KOTAK FD Returns
Enter your investment details to calculate returns
Analysis Results
KOTAK FD Investment Returns
Using simple interest (Interest payout option)
Maturity Summary
Your investment results after 1 years
KOTAK FD Returns Breakdown
- •KOTAK FD Total Interest Earned: ₹7,250
- •Effective Annual Rate: 7.25%
- •Monthly Interest Equivalent: ₹604
Tax Impact
- •Tax on Interest: ₹1,450
- •Post-tax Maturity Amount: ₹1,05,800
- •Tax Rate Applied: 20%
Interest is calculated at 7.25% per annum with quarterly payout
KOTAK FD Interest Payout Schedule
Your regular interest payouts with quarterly option
KOTAK FD Regular Payout Details
₹1,813
Per quarterly payout
₹7,250
KOTAK FD Total interest over tenure
With the quarterly payout option, you'll receive regular interest payments instead of reinvesting. Your principal amount of ₹1,00,000will be returned at maturity.
Interest Payout Breakdown
Your regular interest payouts over the investment period
| Period | Principal | Interest Payout | Cumulative Interest |
|---|---|---|---|
| 1 (First) | ₹1,00,000 | ₹1,812 | ₹1,01,813 |
| 2 | ₹1,00,000 | ₹1,812 | ₹1,03,625 |
| 3 | ₹1,00,000 | ₹1,812 | ₹1,05,438 |
| 4 (Last) | ₹1,00,000 | ₹1,812 | ₹1,07,250 |
• KOTAK FD Interest is paid out quarterly at 7.25% per annum
• Principal amount remains constant throughout the tenure
• You will receive your principal back at maturity
KOTAK FD Investment Tips & Recommendations
Personalized insights based on your investment details
KOTAK FD Rate Analysis
Your interest rate is in line with current market averages.
Tip: Longer tenure FDs typically offer better interest rates.
KOTAK FD Tenure Optimization
Medium-term FDs balance good returns with reasonable liquidity. Consider diversifying across different tenures.
KOTAK FD Tax Efficiency
Your moderate tax bracket allows for reasonable post-tax returns. Still, consider tax-saving options if applicable.
Your interest is below the TDS threshold of ₹40,000 per year, so no TDS will be deducted.
KOTAK FD Reinvestment Strategy
With your chosen quarterly payout option, you'll receive regular income of ₹1,813 per payout period. This is ideal if you need regular income.
If you don't need the regular income, switching to the reinvestment option would yield higher returns at maturity.
KOTAK FD Diversification Advice
Your investment is within the ₹5 lakh DICGC insurance limit, which protects your deposit in case of bank failure.
Consider creating an FD ladder by dividing your principal into multiple FDs with staggered maturity dates. This provides periodic liquidity while maintaining higher average returns.
Understanding KOTAK FD
Learn how KOTAK FDs work, their calculation methods, and pros & cons
How KOTAK FDs Are Calculated
KOTAK FD Simple Interest Method
Used for regular payout options (Monthly, Quarterly, Semi-annually):
Interest = Principal × Rate × Time
Where Rate is annual interest rate (in decimal) and Time is tenure in years
KOTAK FD Compound Interest Method
Used for reinvestment/cumulative options:
Maturity Amount = Principal × (1 + Rate/n)n×t
Where n is compounding frequency per year and t is time in years
Banks calculate interest based on the exact number of days, considering leap years. For partial periods, interest is typically calculated on a pro-rata basis.
Advantages of KOTAK FDs
- •Safety: FDs are one of the safest investment options with guaranteed returns
- •Predictable returns: Fixed interest rates provide certainty about future earnings
- •Flexible tenures: Options ranging from 7 days to 10 years to suit different goals
- •Loan facility: Ability to take loans against FDs (typically 75-90% of deposit value)
- •Deposit insurance: Protected up to ₹5 lakhs per bank under DICGC
- •Tax benefits: Tax-saving FDs offer deduction under Section 80C (5-year lock-in)
Disadvantages of KOTAK FDs
- •Inflation risk: Returns may not always beat inflation, reducing real purchasing power
- •Liquidity constraints: Premature withdrawals incur penalty (typically 0.5-1%)
- •Tax implications: Interest is fully taxable at your income tax slab rate
- •TDS deduction: 10% TDS on interest exceeding ₹40,000 per year (₹50,000 for seniors)
- •Lower returns: Generally lower returns compared to market-linked investments
- •Interest rate risk: Fixed rates mean missing out if market rates increase later
When to Choose KOTAK FDs
Ideal For
- ✓Risk-averse investors seeking capital protection
- ✓Short to medium-term financial goals (1-5 years)
- ✓Emergency fund diversification
- ✓Senior citizens seeking regular income
Less Suitable For
- ✗Long-term wealth creation (7+ years)
- ✗Beating inflation over long periods
- ✗Investors in higher tax brackets seeking tax efficiency
- ✗Those needing immediate access to all funds
Pro Tip:
Consider a balanced approach by allocating some funds to FDs for stability and safety, while investing the rest in higher-return instruments like mutual funds or stocks for long-term growth.