Earn interest up to 8.60% p.a. by investing in a Bajaj Finance Fixed Deposit | Rated CRISIL AAA/ STABLE and [ICRA]AAA(stable) Invest Now

A fixed deposit is an ideal investment instrument for many, especially if you want to invest in a low-risk instrument and earn stable returns. Furthermore, in the last few years, the process of booking an FD has gotten simpler. 


You can simply visit the issuer’s website or visit their branch to get started. Like other investments, fixed deposits also come with an acknowledgement document. This is known as a fixed deposit receipt and is issued once you have booked your FD


Given that it is your proof of investment, it is an important document you should know about. Read on to learn more about a fixed deposit receipt, its components, importance, and more. 

What is FDR?

Once you complete the investment process, the FD issuer will automatically issue a fixed deposit receipt (FDR). FDR is an acknowledgement and ownership proof of the investment. It contains important details about you and your investment with the issuer, such as: 

  • Your name

  • Age

  • Address

  • Investment particulars

  • Maturity date


As a result, it is important that you keep your fixed deposit receipt safe and secure. However, in case you have lost the receipt, you can contact the issuer and know the process to avail a duplicate fixed deposit receipt. 


Generally, you have to submit a written request to the issuer and other documents, if requested. In some cases, you may be charged a certain amount, however, this depends on the issuer.

How to Get FD Receipt Online

Here’s how you can open your FD receipts online:

  • Step 1: Navigate to your issuer’s official website. 

  • Step 2: Enter the necessary personal information. 

  • Step 3: Choose your FD.

  • Step 4: Click on ‘Fixed Deposit Receipt’ and download


fd receipt

Components of a Fixed Deposit Receipt

Knowing what is included in the receipt can help you better understand this document. Here is a standard fixed deposit receipt format regarding the information and features of fixed deposit receipts:

Investor Details

This section of the FD receipt will contain your details, such as name, age, and account number. Make sure that these details are accurate to avoid issues in the future.

Investment Details

Here you will find information regarding the fixed deposit you book. It will contain the investment amount, tenor, and interest rate. It is crucial that these details are accurate.

Investment Type

You can either opt for periodic interest payout or receive earnings at maturity. Depending on what you choose, your investment will either be non-cumulative or cumulative, as provided in the fixed deposit receipt.

Interest Rate

Here you can check the interest rate offered on FDs by the issuer. The rate of interest determines the returns that you can earn. 

Maturity Details

This will contain information pertaining to the day your tenor will end and the amount you will receive when the tenor ends. Make sure that this information is accurate as per the terms of investment. 

Auto-renewal or Closure 

When your fixed deposit matures, you can either renew it or withdraw it. You can choose what to do at the time of investment, and it will be mentioned in the fixed deposit receipt.

Nomination Details

Here you will find the information regarding the nominee you have selected. In your absence, the nominee will receive the maturity amount. As a result, you should ensure that this information is accurate.

FD Charges

Many issuers charge certain types of fees on your FD investment that may impact your returns. For instance, if you withdraw from your FD before maturity, the lender may levy a penalty. 

Things to Check in Your FD Receipt

Ensuring that your fixed deposit receipt contains accurate information is crucial. It can help you avoid any hurdles that may arise from mismatches or inaccuracy in investor and investment information. 

Here is the information you should check in your term deposit receipt. 

  • Investment details

Check the investment amount, tenor, and interest rate of your fixed deposit. This information is important and ensures that there are no errors when receiving payouts. 

  • Maturity details

You need to ensure that the maturity tenor and amount are as per the terms of your FD. This way, you can plan your goals accordingly and ensure that you can access the funds without a premature withdrawal.

  • Auto-renewal or closure

Whether you want to re-invest your maturity amount and get it transferred to your bank account can be decided at the time of investing. 


If you have opted for either auto-renewal or closure, it will be mentioned on the receipt. Ensuring accuracy in this can help you avoid hassles at the end of your investment tenor.

  • Nominee details

A nominee is the person you choose as the recipient of the maturity proceeds in case of your demise. Your nominee’s details will be mentioned on the FD receipt, and making sure this is accurate is key. 


Accurate information can ensure that the transfer to your nominee takes place seamlessly. 

  • Penalties and Charges

Issuers charge a penalty if you withdraw prematurely, which will be mentioned in the fixed deposit receipt. Having this information at hand can help you avoid being blindsided by hefty charges should you wish to make a premature withdrawal. 


Think of the FD receipt as any other asset-ownership documentation, and ensure that you get it after you have invested your money. Whether you invest in an FD available on Bajaj Markets or elsewhere, remember to request it after you complete the process.

Read More

What is the Importance and Use of a Fixed Deposit Receipt?

Apart from being an acknowledgement of your investment and proof of ownership, there are quite a few features and benefits of keeping your fixed deposit receipt handy.

  • In case of a premature withdrawal on your FD, you will have to furnish proof of ownership, which can be done with the receipt. 

  • If you want to avail a loan against your FD, the issuer will ask for the receipt to keep as a lien. Once you repay the loan, it is given back to you. The receipt will be re-issued to you with updated details after you repay the loan amount completely. 

  • The fixed deposit receipt is an important document you will have to submit at the renewal of your investment. The issuer will ask you to surrender the current receipt and issue a new one once you complete the renewal process.

Requirement of Fixed Deposit Receipts

Here are the times when you will be asked to produce your fixed deposit receipt as an important document.

  • In Case of Premature Withdrawal

Your FD receipt serves as proof of ownership of a particular FD investment. Having this proof is vital to processing certain requests.

This includes premature withdrawals or when closing the FD account at maturity. Any FD renewal-related transitions will require you to have this document close by.

  • In Case of Renewals

Let’s assume that your FD tenor is at its end, but you would like to continue earning a return through that investment. In this case, you will be renewing your current FD. 


For such renewals, you will have to provide the DS receipt as proof of ownership. You will then surrender the current receipt for a new FD receipt created as per your renewal. 

  • In Case of Option for Loan

Various banks and NBFCs allow you to acquire loans against your FD investment. You can request up to 90% of the deposit amount and a hiked interest rate by a maximum of 2%. 


While you are going through the process of acquiring this loan, you will be required to deposit the FD receipt to the lender. You will only get it back after you have repaid the entire loan. 

Read More

Documents Required to Open Fixed Deposit Receipt Account

Here are the documents you would need while applying for a Fixed Deposit Receipt account. 

  • Address Proof

  1. Salary Slip

  2. Telephone Bill

  3. Electricity Bill

  4. Bank Statement

  • Identity Proof

  1. Aadhaar Card

  2. Driving Licence

  3. Passport

  4. Voter ID

  • For Senior Citizens

  1. PAN Card

  2. Voter ID

  3. Passport

  4. Driving Licence

  • For Minors

  1. A Birth Certificate

  • Other Proofs

  1. Savings Account Documents

  2. Date of Birth Proof

FAQs About FD Receipt

Yes, the fixed deposit receipt is necessary because it is proof of ownership and investment.

No, a fixed deposit receipt is not transferable between people.

After completing the formalities and starting a fixed deposit scheme, you will be issued a fixed deposit receipt. This will be your proof of fixed deposit.

Generally, issuers will automatically give you a fixed deposit receipt once you complete the investment formalities. In case you have not received the receipt, you can contact the issuer and ask for it.

Yes, you can ask for a duplicate receipt from your issuer. Generally, you have to submit a written request, but you can confirm the procedure by contacting the issuer.

Yes, you can verify your fixed deposit receipt. To do that, you can check the details mentioned in the receipt. You can also contact the issuers to ask for assistance in verifying the authenticity of the same.

If you have lost the receipt, you will have to request a duplicate receipt. The process for acquiring a duplicate receipt depends on your issuer, and you can confirm the same by contacting the issuer.

Yes, a fixed deposit receipt contains information about the nominee you choose.

Yes, your fixed deposit receipt does contain information about tax deductions and tax declarations.

You need not panic about losing your FD receipt. You could always make an application for a copy of your fixed deposit receipt.

Invest In Other Products

Calculate FD Interest
Download App
Credit Score