{"id":1289103,"date":"2025-01-02T08:49:31","date_gmt":"2025-01-02T03:19:31","guid":{"rendered":"https:\/\/trak.in\/stories\/?p=1289103"},"modified":"2025-01-02T08:50:05","modified_gmt":"2025-01-02T03:20:05","slug":"new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest","status":"publish","type":"post","link":"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/","title":{"rendered":"New FD Rules In 2025: Withdraw Under Rs 10,000 In 90 Days Without Any Interest"},"content":{"rendered":"\n

The Reserve Bank of India has rolled out revised regulations for fixed deposits, applicable from January 1, 2025. These updates aim to enhance the depositor experience while ensuring regulatory compliance for housing finance companies (HFCs) and non-banking finance companies (NBFCs).<\/p>\n\n\n\n

\"New<\/figure>\n\n\n\n

Key Provisions of the Revised Rules<\/strong><\/p>\n\n\n\n

    \n
  1. Small Deposits:<\/strong>
    Deposit holders can withdraw the full amount of deposits up to Rs 10,000 within three months of depositing<\/a>. However, these withdrawals will not accrue any interest.<\/li>\n\n\n\n
  2. Larger Deposits:<\/strong>
    For deposits exceeding Rs 10,000, premature withdrawals of up to 50% of the principal amount or Rs 5 lakh, whichever is lower, are permitted within the first three months. Similar to small deposits, no interest will be earned on such withdrawals.<\/li>\n\n\n\n
  3. Critical Illness Provision:<\/strong>
    In cases of critical illness, depositors can withdraw the entire principal amount prematurely, irrespective of the deposit term. This withdrawal is processed without accruing any interest and applies to existing and new deposit agreements.<\/li>\n<\/ol>\n\n\n\n

    Nomination and Notification Guidelines<\/strong><\/p>\n\n\n\n

      \n
    • Nomination Updates:<\/strong>
      NBFCs must acknowledge receipt of nomination forms, including cancellation or modification requests. The acknowledgment must be shared with depositors, whether requested or not.<\/li>\n\n\n\n
    • Nominee Information in Passbooks:<\/strong>
      With customer consent, nominee details will now be recorded in passbooks or deposit receipts under the label “Nomination Registered.”<\/li>\n<\/ul>\n\n\n\n

      Maturity Notifications Simplified<\/strong><\/p>\n\n\n\n

      The notification period for deposit maturity has been reduced from two months to 14 days. NBFCs are now required to provide this timely update, enabling depositors to plan withdrawals or reinvestments more effectively.<\/p>\n\n\n\n

      These revised rules reflect RBI’s commitment to balancing depositor convenience and regulatory integrity. The changes simplify withdrawal processes, introduce flexibility for emergencies, and improve transparency, making fixed deposits a more user-friendly savings option.<\/p>\n\n\n\n

      4o<\/p>\n","protected":false},"excerpt":{"rendered":"

      The Reserve Bank of India has rolled out revised regulations for fixed deposits, applicable from January 1, 2025. These updates aim to enhance the depositor experience while ensuring regulatory compliance for housing finance companies (HFCs) and non-banking finance companies (NBFCs). Key Provisions of the Revised Rules Nomination and Notification Guidelines Maturity Notifications Simplified The notification […]<\/p>\n","protected":false},"author":30,"featured_media":1289106,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21],"tags":[6837,1825,6838],"class_list":["post-1289103","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-fd-rules","tag-fixed-deposit","tag-rd"],"acf":[],"yoast_head":"\nNew FD Rules In 2025: Withdraw Under Rs 10,000 In 90 Days Without Any Interest - Trak.in - Indian Business of Tech, Mobile & Startups<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New FD Rules In 2025: Withdraw Under Rs 10,000 In 90 Days Without Any Interest - Trak.in - Indian Business of Tech, Mobile & Startups\" \/>\n<meta property=\"og:description\" content=\"The Reserve Bank of India has rolled out revised regulations for fixed deposits, applicable from January 1, 2025. These updates aim to enhance the depositor experience while ensuring regulatory compliance for housing finance companies (HFCs) and non-banking finance companies (NBFCs). Key Provisions of the Revised Rules Nomination and Notification Guidelines Maturity Notifications Simplified The notification […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/\" \/>\n<meta property=\"og:site_name\" content=\"Trak.in - Indian Business of Tech, Mobile & Startups\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-02T03:19:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-02T03:20:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/01\/Screenshot-2024-12-01-at-9.43.53\u202fAM-1024x573.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"573\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Mohul Ghosh\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mohul Ghosh\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/\",\"url\":\"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/\",\"name\":\"New FD Rules In 2025: Withdraw Under Rs 10,000 In 90 Days Without Any Interest - Trak.in - Indian Business of Tech, Mobile & Startups\",\"isPartOf\":{\"@id\":\"https:\/\/trak.in\/stories\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/01\/Screenshot-2024-12-01-at-9.43.53\u202fAM.png\",\"datePublished\":\"2025-01-02T03:19:31+00:00\",\"dateModified\":\"2025-01-02T03:20:05+00:00\",\"author\":{\"@id\":\"https:\/\/trak.in\/stories\/#\/schema\/person\/5092a7d2906e3f3c819643435477c2a7\"},\"breadcrumb\":{\"@id\":\"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/#primaryimage\",\"url\":\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/01\/Screenshot-2024-12-01-at-9.43.53\u202fAM.png\",\"contentUrl\":\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/01\/Screenshot-2024-12-01-at-9.43.53\u202fAM.png\",\"width\":2354,\"height\":1318},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/trak.in\/stories\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"New FD Rules In 2025: Withdraw Under Rs 10,000 In 90 Days Without Any Interest\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/trak.in\/stories\/#website\",\"url\":\"https:\/\/trak.in\/stories\/\",\"name\":\"Trak.in - Indian Business of Tech, Mobile & Startups\",\"description\":\"Trak.in is a popular Indian Business, Technology, Mobile & Startup blog featuring trending News, views and analytical take on Technology, Business, Finance, Telecom, Mobile, startups & Social Media Space\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/trak.in\/stories\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/trak.in\/stories\/#\/schema\/person\/5092a7d2906e3f3c819643435477c2a7\",\"name\":\"Mohul Ghosh\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/trak.in\/stories\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/66c129d83dd3f325a3b550eb1aa16891173ddfc4686361424206cd9a01311c89?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/66c129d83dd3f325a3b550eb1aa16891173ddfc4686361424206cd9a01311c89?s=96&d=mm&r=g\",\"caption\":\"Mohul Ghosh\"},\"url\":\"https:\/\/trak.in\/stories\/author\/mohul-ghosh\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"New FD Rules In 2025: Withdraw Under Rs 10,000 In 90 Days Without Any Interest - Trak.in - Indian Business of Tech, Mobile & Startups","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/","og_locale":"en_US","og_type":"article","og_title":"New FD Rules In 2025: Withdraw Under Rs 10,000 In 90 Days Without Any Interest - Trak.in - Indian Business of Tech, Mobile & Startups","og_description":"The Reserve Bank of India has rolled out revised regulations for fixed deposits, applicable from January 1, 2025. These updates aim to enhance the depositor experience while ensuring regulatory compliance for housing finance companies (HFCs) and non-banking finance companies (NBFCs). Key Provisions of the Revised Rules Nomination and Notification Guidelines Maturity Notifications Simplified The notification […]","og_url":"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/","og_site_name":"Trak.in - Indian Business of Tech, Mobile & Startups","article_published_time":"2025-01-02T03:19:31+00:00","article_modified_time":"2025-01-02T03:20:05+00:00","og_image":[{"width":1024,"height":573,"url":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/01\/Screenshot-2024-12-01-at-9.43.53\u202fAM-1024x573.png","type":"image\/png"}],"author":"Mohul Ghosh","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Mohul Ghosh","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/","url":"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/","name":"New FD Rules In 2025: Withdraw Under Rs 10,000 In 90 Days Without Any Interest - Trak.in - Indian Business of Tech, Mobile & Startups","isPartOf":{"@id":"https:\/\/trak.in\/stories\/#website"},"primaryImageOfPage":{"@id":"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/#primaryimage"},"image":{"@id":"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/#primaryimage"},"thumbnailUrl":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/01\/Screenshot-2024-12-01-at-9.43.53\u202fAM.png","datePublished":"2025-01-02T03:19:31+00:00","dateModified":"2025-01-02T03:20:05+00:00","author":{"@id":"https:\/\/trak.in\/stories\/#\/schema\/person\/5092a7d2906e3f3c819643435477c2a7"},"breadcrumb":{"@id":"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/#primaryimage","url":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/01\/Screenshot-2024-12-01-at-9.43.53\u202fAM.png","contentUrl":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/01\/Screenshot-2024-12-01-at-9.43.53\u202fAM.png","width":2354,"height":1318},{"@type":"BreadcrumbList","@id":"https:\/\/trak.in\/stories\/new-fd-rules-in-2025-withdraw-under-rs-10000-in-90-days-without-any-interest\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/trak.in\/stories\/"},{"@type":"ListItem","position":2,"name":"New FD Rules In 2025: Withdraw Under Rs 10,000 In 90 Days Without Any Interest"}]},{"@type":"WebSite","@id":"https:\/\/trak.in\/stories\/#website","url":"https:\/\/trak.in\/stories\/","name":"Trak.in - Indian Business of Tech, Mobile & Startups","description":"Trak.in is a popular Indian Business, Technology, Mobile & Startup blog featuring trending News, views and analytical take on Technology, Business, Finance, Telecom, Mobile, startups & Social Media Space","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/trak.in\/stories\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/trak.in\/stories\/#\/schema\/person\/5092a7d2906e3f3c819643435477c2a7","name":"Mohul Ghosh","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/trak.in\/stories\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/66c129d83dd3f325a3b550eb1aa16891173ddfc4686361424206cd9a01311c89?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/66c129d83dd3f325a3b550eb1aa16891173ddfc4686361424206cd9a01311c89?s=96&d=mm&r=g","caption":"Mohul Ghosh"},"url":"https:\/\/trak.in\/stories\/author\/mohul-ghosh\/"}]}},"jetpack_featured_media_url":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/01\/Screenshot-2024-12-01-at-9.43.53\u202fAM.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/posts\/1289103","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/comments?post=1289103"}],"version-history":[{"count":1,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/posts\/1289103\/revisions"}],"predecessor-version":[{"id":1289107,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/posts\/1289103\/revisions\/1289107"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/media\/1289106"}],"wp:attachment":[{"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/media?parent=1289103"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/categories?post=1289103"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/tags?post=1289103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}