Premature Withdrawal of Recurring Deposit

  • Recurring Deposit
  • 4 Months ago
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premature-withdrawal-of-recurring-deposit

The Lock-in Period

As said earlier, recurring deposits carry some features of fixed deposits. And one of such features is the lock-in period of recurring deposits. The RD schemes usually have a lock-in period determined while opening the recurring deposit account. After you start investing, the funds get locked for a predetermined period.

What are Premature Withdrawals?

The amount invested in RD is locked in for a definite period. However, certain situations arise whereby an investor may withdraw the amount invested in RD even before the investment term is over. This is known as premature withdrawal, i.e., withdrawal before maturity.

Can I Withdraw Money from Recurring Deposit?

This is one of the most asked questions by the investors of recurring deposits. Whether premature withdrawal of recurring deposits is allowed? What if any emergency arises? Can I withdraw money from recurring deposits in emergencies? While the concerns are genuine, there is good news! Recurring deposit accounts do allow premature withdrawal. The rules govern premature withdrawals as per the policy of the financial institution. However, the following points should be kept in mind before withdrawing your funds prematurely:

  • The withdrawal amount shall be in multiples of Rs. 5.
  • Some financial institutions or post offices may charge simple interest on the amount withdrawn by the account holder.
  • The maximum amount that can be withdrawn prematurely from the RD account is 50% of the deposits made in the account.
  • The account holder shall repay the amount withdrawn through a one-time deposit or EMIs.
  • If the account holder does not repay the amount, this amount will be deducted from the maturity proceeds payable by the financial institution or the post office.
  • The withdrawal is allowed only if the RD account has remained operational for a minimum of 12 months and 12 monthly deposits have been made into the account.
Consequences of Premature Withdrawal

While we have seen that premature withdrawal of recurring deposits is allowed, it carries certain consequences as well. These include:

  • Late Payment Charges: If you have made premature withdrawals, you can repay the same through EMIs. However, it should be ensured that the EMI is paid on time. Skipping on EMIs or late payment of the same would attract penal charges in the form of late payment charges.
  • Interest Charges: The bank usually charges simple interest on the amount prematurely withdrawn. The financial institutions and post offices usually use the amount that an investor invests in recurring deposits for further investments in other avenues. This allows them to earn income from which the interest is paid to recurring deposit account holders.
  • In case of premature withdrawals of recurring deposits, the amount available with financial institutions and post offices reduces. Therefore, they might also reduce the interest amount on the recurring deposit. However, as the amount gets repaid, they again bring the interest rate to the normal level.

    How to Prematurely Withdraw Funds from the RD?

    For premature withdrawal, you need to contact the concerned financial institution or the post office where you have opened your RD account. Some banks also provide the feature to withdraw prematurely online from the website. In other cases, you can visit the nearest branch of the bank or the post office and put a request for premature withdrawal of recurring deposit funds. Also, one can send an email to the concerned bank requesting the premature withdrawal. The withdrawal will be allowed as per the rules and policies of the bank or the post office, as the case may be

    . Shriram City Finance Premature Withdrawal Rules of Recurring Deposit

    If you have opened your recurring deposit account with Shriram City, here is the good news! Shriram City allows premature withdrawal earlier than most banks. Here is the premature withdrawal of recurring deposit rules of the Shriram City:

    • Withdrawal up to 3 months: If the depositor wishes to withdraw the amount within the first 3 months of the deposit, the investor will lose the entire amount deposited in the first 3 months. Therefore, the first 3 months serve as a lock-in period where the withdrawal should not be made.
    • Withdrawal after 3 months but before 6 months: If the depositor requests withdrawal after 3 months but before 6 months, the withdrawal will be allowed. However, no interest payment shall be made for the amount deposited. Therefore, if you withdraw after 3 months but before 6 months, you will get your entire corpus deposited without any interest.
    • Withdrawal after 6 months but before maturity: If the depositor wishes to withdraw after 6 months but before maturity, the interest paid shall be 2% lower than that initially decided at the time of deposit. However, suppose no fixed interest rate is decided. In that case, the interest payment in case of premature withdrawal shall be 3% lower than the minimum interest rate at which the deposit is accepted.
    In a Nutshell

    While the premature withdrawal of recurring deposits is allowed, efforts should be made to maintain the RD without withdrawing any amount prematurely. The reason is simple. RD will reap maximum benefits if the amount continuously remains invested for the predetermined tenure. Withdraw from your RD account only if there is an emergency need for funds and you have no other alternative means to arrange money.

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    Fixed Deposit VS Unit Linked Insurance Plans (ULIP) Where to Invest?

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    Are the Interest Rates the Same Whether You Choose the Cumulative or Non-Cumulative Option?

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    Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

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    Why Is a Good CIBIL Score Vital For Achieving Business Goals?

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    What are the differences between two wheeler loan vs personal loan?

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    Reasons and Benefits of Owning a Two Wheeler in City

    • Jul 28 2021
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    What are the Opportunities for AI in the Financial Sector?

    • Aug 17 2021
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    • Loans

    AI Resolution In Lending: Hype Or Reality?

    • Aug 17 2021
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    How is new technology helping NBFCs evolve?

    • Aug 18 2021
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    • Loans

    What is your money worth: A blog about understanding FDs and how you can make the most of them

    • Sep 03 2021
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    • Fixed Deposit

    How to keep your FD money safe through the best investment ideas

    • Sep 07 2021
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    • Fixed Deposit

    How to Plan and Save for a Baby: A blog on how to save for a baby's future

    • Sep 07 2021
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    Benefits of Availing Two Wheeler loan with Shriramcity

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    • Two Wheeler Loans

    Choosing the Right NBFC for Your FD: A blog discussing how to choose the best NBFC's for FD

    • Sep 08 2021
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    • Fixed Deposit

    Financial Tips for New Drivers: A Blog About the Financial Tips You Should Consider Because You are a New Driver

    • Sep 09 2021
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    • Fixed Deposit

    How can Investments in Fixed Deposits Help for Retirement?

    • Oct 21 2021
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    • Fixed Deposit

    Current Fixed Deposit Interest Rates - 2021

    • Oct 25 2021
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    • Fixed Deposit

    Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

    • Nov 27 2021
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    How Do Fixed Deposits Promote Senior Citizen Welfare

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    How flexi recurring deposit offers complete flexibility

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    • Recurring Deposit

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    How are Fixed Deposits beneficial for Trust and Foundations

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    How to Optimise Your Investments in Fixed Deposits

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    Simple Bike Financing with Zero Down Payment

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    The Only Guide You Need To Getting A Loan Against Gold Jewellery

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    How to choose your business loan online based on interest rates

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    Important Criteria to be Aware of Before Applying for a Business Loan

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    • Business Loans

    Why are SME Loans Crucial for Your Company's Growth?

    • Jan 20 2022
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    • Business Loans

    10 Things To Know About Two Wheeler Loans Post Pandemic

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    How to Buy Gold Loans on a Low Budget

    • Jan 21 2022
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    • Gold Loan

    10 Things Your Kids Don't Know About Recurring Deposits

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    How To Get More Results out of Your SME Loan?

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    • Business Loans

    11 Ways to Completely maximise your business with the help of Shriram city business Loan

    • Feb 02 2022
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    • Business Loans

    7 Up-and-Coming Trends About Recurring Deposit

    • Feb 04 2022
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    Recurring Deposit : Expectations vs. Reality

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    • Recurring Deposit

    10 Reasons As To Why You Should Take A Two Wheeler Loan

    • Feb 07 2022
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    • Two Wheeler Loans

    Gold Loan: Expectations Vs. Reality

    • Feb 08 2022
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    • Gold Loan

    Why It's Easier to Succeed With business Loan Than You Might Think?

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    • Business Loans

    Business loans: Expectation vs Reality

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    • Business Loans