In mountainous region with heterogeneous topography, the geostatistical modeling of the rainfall using global data set may not confirm to the intrinsic hypothesis of stationarity. This study was focused on improving the precision of the interpolated rainfall maps by spatial stratification in complex terrain. Predictions of the normal annual rainfall data were carried out by ordinary kriging, universal kriging, and co-kriging, using 80-point observations in the Indian Himalayas extending over an area of 53,484 km2. A two-step spatial clustering approach is proposed. In the first step, the study area was delineated into two regions namely lowland and upland based on the elevation derived from the digital elevation model. The delineation was based on the natural break classification method. In the next step, the rainfall data was clustered into two groups based on its spatial location in lowland or upland. The terrain ruggedness index (TRI) was incorporated as a co-variable in co-kriging interpolation algorithm. The precision of the kriged and co-kriged maps was assessed by two accuracy measures, root mean square error and Chatfield’s percent better. It was observed that the stratification of rainfall data resulted in 5–20 % of increase in the performance efficiency of interpolation methods. Co-kriging outperformed the kriging models at annual and seasonal scale. The result illustrates that the stratification of the study area improves the stationarity characteristic of the point data, thus enhancing the precision of the interpolated rainfall maps derived using geostatistical methods.