Notice

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Fixed Deposit Rules & Guidelines

Please read the following rules carefully before opening a Fixed Deposit account at The Jhajjar Central Co-operative Bank Ltd.

ACCOUNT GUIDELINES & RULES

Fixed Deposit Account Guidelines

Fixed Deposit account guidelines and minimum sum rules are mentioned below. Please read all terms carefully before investing to ensure full compliance with bank policies.

Fixed Period Investment

The amount is deposited and locked for a fixed period and is repayable on maturity along with the applicable interest as per the prevailing rate.

Account Opening Options

Fixed Deposit accounts can be opened in single or joint names, as well as by individuals, firms, societies, and other approved entities.

KYC Documents Required

KYC documents are mandatory for opening a Fixed Deposit account, including recent photograph, address proof, identity proof, and any other documents as required by the bank.

Extra Interest for Senior Citizens

An additional 0.50% interest rate benefit is provided for senior citizen account and above the applicable interest rate on their Fixed Deposit.

🎖️ Senior Citizens: +0.50% Extra Interest

Premature Withdrawal — Interest Rule

If a deposit is withdrawn prematurely and the deposit remains for less than 15 days and is withdrawn prematurely before completing the minimum required period.

⚠️ No Interest If Withdrawn Before 15 Days

Loan Against Fixed Deposit

A loan facility is available against Fixed Deposit up to 85% of the FD amount, providing liquidity without breaking the deposit.

💰 Loan Up to 85% of FD Amount

No Penalty on Premature Reinvestment

No penalty will be imposed if the deposit is withdrawn prematurely and reinvested for a longer duration than the original Fixed Deposit tenure.