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Please advise

Yes, you might be able to withdraw money before the maturity. If you are a senior citizen, some FDs might allow you a partial withdrawal based on need.
However, there will be some fines or penalties. Also, if you invested in an fixed depsosit in India to avail of section 80c benefits, then there could be additional complications because the money is locked in for 5 years.
Speak to your bank about which deposit you have and try and minimize your penalties.

premature withdrawal of fixed deposit

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FD made of 12 months and like to withdraw after five months. what will happen to interest for 5 months

tarsemsiddhu wrote:Please advise

This message was edited 1 time. Last update was at 10/07/2012 22:26:41

Hi,
Yes you can withdraw the funds from FDs before maturity. However, the banks generally charge a penal rate of interest. Have a read of the following article which explains the best way to make FDs and reap the maximum benefits out of a FD:

http://insight.banyanfa.com/fixed-deposits-how-to-benefit/

Regards
BFA

Anonymous wrote:FD made of 12 months and like to withdraw after five months. what will happen to interest for 5 months

if i withdraw fixed deposit before maturity and re invest long term basis same branch what action taken me

If a Fixed Deposit is broken before its maturity, a penalty is applied, and hence the returns come out to be much lower comparatively. In such cases, interest is paid at the rate applicable at the time of withdrawal. So make sure your needs are well taken care of, before you park the money in fixed deposits. Banks can charge a penalty for premature withdrawal.

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