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Fixed Deposit Account

Introduction

Fixed Deposit (FD) Account बैंकों द्वारा प्रदान किए जाने वाले सबसे लोकप्रिय investment-cum-deposit विकल्पों में से एक है। इसे वे ग्राहक पसंद करते हैं जो risk-averse होते हैं और assured returns एक निश्चित अवधि के लिए चाहते हैं। FD से जुड़े प्रश्न banking exams में आम होते हैं और सामान्यतः concept-based and comparison-oriented होते हैं।

Pattern: Fixed Deposit Account

Pattern

Fixed deposit account में ग्राहक एक lump-sum राशि को एक fixed tenure के लिए, पहले से तय interest rate पर जमा करते हैं, जिसमें liquidity सीमित होती है।

Step-by-Step Example

Question

किस प्रकार के बैंक खाते में एक lump-sum राशि को fixed period के लिए fixed rate of interest पर जमा किया जाता है?

  • A. Savings Account
  • B. Current Account
  • C. Fixed Deposit Account
  • D. Recurring Deposit Account

Solution

  1. Step 1: Deposit pattern पहचानें।

    प्रश्न में lump-sum deposit का उल्लेख है।

  2. Step 2: Tenure feature पहचानें।

    पैसा एक fixed period के लिए रखा जाता है।

  3. Step 3: Interest certainty जाँचें।

    interest rate पहले से तय होता है।

  4. Final Answer:

    Fixed Deposit Account → Option C

  5. Quick Check:

    Lump sum + fixed tenure + fixed interest = FD Account ✅

Quick Variations

1. FD को कुछ दिनों से लेकर कई वर्षों तक की tenure के लिए खोला जा सकता है।

2. Premature withdrawal की अनुमति होती है, लेकिन इस पर penalty लग सकती है।

3. Senior citizens को आमतौर पर FD पर higher interest rate मिलता है।

Trick to Always Use

  • Step 1 → Lump-sum deposit → FD सोचें
  • Step 2 → Fixed period + assured return → Savings & RD हटाएँ

Summary

Summary

  • Fixed Deposit में one-time lump-sum deposit किया जाता है।
  • पैसा account खोलते समय तय की गई fixed tenure के लिए lock रहता है।
  • Interest rate fixed रहता है और पहले से ज्ञात होता है।
  • Premature withdrawal संभव है, लेकिन penalty लग सकती है।

याद रखने का example:
Lump sum + Fixed time + Assured interest = Fixed Deposit

Practice

(1/5)
1. Which bank account is most suitable for a person who wants guaranteed returns with no exposure to market risk?
easy
A. Fixed Deposit Account
B. Savings Account
C. Current Account
D. Recurring Deposit Account

Solution

  1. Step 1: Identify the risk preference.

    The question asks for guaranteed returns without market risk.

  2. Step 2: Match with suitable deposit type.

    Fixed deposits offer assured returns at a fixed interest rate.

  3. Final Answer:

    Fixed Deposit Account → Option A

  4. Quick Check:

    Assured return + no market risk = FD Account ✅
Hint: Guaranteed return always points to FD.
Common Mistakes: Confusing savings account interest with guaranteed returns.
2. In which type of account is the interest rate decided at the time of deposit and remains unchanged throughout the tenure?
easy
A. Savings Account
B. Fixed Deposit Account
C. Current Account
D. Cash Credit Account

Solution

  1. Step 1: Identify interest behaviour.

    The question mentions a rate fixed in advance.

  2. Step 2: Match with correct account.

    FD interest is fixed at the time of opening.

  3. Final Answer:

    Fixed Deposit Account → Option B

  4. Quick Check:

    Fixed rate for full tenure = FD Account ✅
Hint: Interest fixed from day one = FD.
Common Mistakes: Assuming savings account interest is fixed.
3. Which of the following statements is correct regarding Fixed Deposit accounts?
easy
A. Money can be withdrawn anytime without penalty
B. Interest rate changes daily
C. Funds are locked for a fixed tenure
D. Deposits must be made every month

Solution

  1. Step 1: Recall the basic nature of FD.

    FD involves keeping money for a fixed period.

  2. Step 2: Eliminate incorrect features.

    Monthly deposits relate to RD, not FD.

  3. Final Answer:

    Funds are locked for a fixed tenure → Option C

  4. Quick Check:

    Fixed period lock-in = FD Account ✅
Hint: Fixed tenure is the core of FD.
Common Mistakes: Mixing RD features with FD.
4. What usually happens if a fixed deposit is withdrawn before its maturity date?
medium
A. Full interest is paid without any condition
B. No amount is returned
C. Interest rate increases
D. Penalty may be charged by the bank

Solution

  1. Step 1: Identify the situation.

    The question refers to premature withdrawal.

  2. Step 2: Recall bank policy.

    Banks usually allow early withdrawal with a penalty.

  3. Final Answer:

    Penalty may be charged by the bank → Option D

  4. Quick Check:

    Early break of FD = penalty applicable ✅
Hint: Premature FD withdrawal usually means penalty.
Common Mistakes: Assuming no penalty applies to FD withdrawal.
5. Which customer category generally receives a higher interest rate on fixed deposits?
medium
A. Senior citizens
B. Students
C. Business firms
D. Minors

Solution

  1. Step 1: Recall special FD benefits.

    Banks offer preferential rates to certain groups.

  2. Step 2: Identify the beneficiary group.

    Senior citizens receive higher FD interest.

  3. Final Answer:

    Senior citizens → Option A

  4. Quick Check:

    Extra interest benefit = Senior Citizen FD ✅
Hint: Senior citizens get extra FD interest.
Common Mistakes: Thinking all customers earn the same FD interest.

Mock Test

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