How To Download Fd Interest Certificate From Kotak Bank

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Download the Kotak Mobile Banking app from app.kotak.com or go to application stores - Apple App Store / Google Play Store You can also SMS 'Mobile' to 9971056767 / 5676788 to receive the link on your registered mobile number.

Note: Interest rates are subject to periodic changes. The applicable interest rates will be offered based on the date and time of receipt of the funds by the bank.

*Recurring Deposit Advice will be dispatched to your registered mailing address with the bank within 3 - 4 working days of opening the RD account

Not available for Non Resident Indians / Persons Of Indian Origin

In case of delay in payment of any installment post grace period of 5 days, penal interest at the rate of RD interest rate (contracted rate of interest at the time of booking of the RD) + 2% p.a. or such other rate as may be specified by Bank from time to time, will be charged for the month of delay.

Fraction of a month will be treated as full month for the purpose of calculating such interest.

Even if the payment for the month is honoured, but the standing instruction towards installment recovery has failed, the Bank will recover a standing instruction failure charge from the current / savings bank account as per General Features and Schedule of Charges (GFSC)

The total penal interest chargeable shall be recovered from the total amount of interest payable by the bank and shall be recovered only at the time of maturity or premature closure of the account as the case may be.

In case of premature closure of this deposit within a month, no interest shall be paid and only principal amount will be returned.

On premature withdrawal of RD. 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 penal charge of 0.5% on premature withdrawal of deposit

Double Taxation Avoidance Agreement (DTAA) allows earning higher yield due to reduced TDS rate applicable for the residence of the country with which Indian government has signed bilateral agreement to avoid double taxation. To avail this facility, you have to provide the tax residency certificate of your resident country along with self-declaration as per bank format.

As per current guidelines, the principal amount in NRO savings account is exempt from taxes in India. However, the interest earned will be subject to a tax of 30% (plus applicable surcharge and cess).

While some banks may charge you various fees if you apply for a personal loan against a credit card, Kotak Mahindra Bank has a very lucrative offer on a credit card loan. You can now apply for a loan against your credit card with zero documentation, and that too at lower interest rates.

STEP 4 - Keep the documents ready - Keep documents such as PAN, Form 16, interest statements, TDS certificates, home loans documents handy. Download Form 26AS which provide a summary of the total tax paid against your PAN. Additionally, you can authenticate your return Form 26AS to check your tax liability.

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