Fixed Deposit Receipt Explained: FDR Meaning, Format & How to Get One

The FDR meaning is simple: it’s an agreement between you and the bank. It shows how much you invested, the interest rate and when you will get your money back. Just like a property deed proves ownership, this receipt proves your fixed deposit is safe with the bank. It’s an extremely important document. You should always keep it safe, as you will need it for renewing, closing or making changes to your deposit.

What is a Fixed Deposit Receipt?

When you open a fixed deposit with a bank or post office, you receive an FDR. The FDR full form in banking is Fixed Deposit Receipt. It’s like a record of your FD. It shows how much you have invested, the interest rate and the time period. You will need it if you want to renew, close or update your FD. 

A fixed deposit receipt can be in paper form or digital form. Digital receipts are now common and have the same legal value as printed ones if issued by the bank or post office.

Why a Fixed Deposit Receipt is Important?

A fixed deposit is a secure investment, but you still need proof of your money being held. That is where the receipt comes in.

• It is legal proof of your FD investment.
• You will need it to renew or close your FD.
• It helps confirm the amount you deposited, the interest rate and the maturity date.
• It is used for tax claim verification, especially if TDS has been deducted.
• It can be used in legal cases if there is a dispute over the FD.
• It works for both physical and digital FDs.

Fixed Deposit Receipt Format and Sample

A fixed deposit receipt is designed to give you all the important details about your FD in one place. The fixed deposit receipt format can vary slightly between banks and post offices. However, most follow a standard structure, so nothing is missed.

A typical fixed deposit receipt sample will show:

• Bank or post office name and logo at the top
• Depositor’s name and FD account number
• Customer ID and branch code
• Deposit amount and mode of deposit (cash, cheque, online)
• Interest rate, payout frequency and maturity amount
• Start date and maturity date
• Nominee details
• Renewal instructions (auto-renew or credit to savings account)
• TDS details, if applicable
• Bank or post office name, stamp and authorised signature
• Security features such as watermarks or barcodes

These details give you a clear, official record of your investment. It makes it easier to verify terms or handle renewals, closures and claims.

How to Get a Fixed Deposit Receipt

The format in which you get your fixed deposit receipt depends on how you choose to open your FD.

• At the branch: If you open it at a bank branch, the receipt is usually handed to you right away or within a couple of days.
• Online: If you open one through internet banking, you get a digital receipt. You can download it anytime from the FD section.
• Post office: When you open an FD at any post office, you get a printed receipt immediately.

Whether it is paper or digital, both are valid as long as they come from the bank or post office.

Things to Check Before Accepting a Fixed Deposit Receipt

Always check the fixed deposit receipt carefully when you get it. Mistakes can cause problems later.

• Make sure your name is spelt correctly
• Check that the deposit amount matches what you invested
• Confirm the interest rate and payout frequency
• Verify the start date and maturity date
• Look for the bank’s stamp and signature
• Check for security features like watermarks or barcodes
• Ensure nominee details are correct
• Verify renewal instructions match what you selected
• See if TDS details are mentioned, if applicable

Digital vs Physical Fixed Deposit Receipts

Today, many banks issue FD receipts digitally. These are easy to store and can be downloaded anytime. Physical receipts are still common, especially at post offices and in some bank branches. If you prefer online banking, digital receipts are more convenient as you cannot lose them. If you get a physical receipt, store it safely until the FD matures.

Both are valid proof of your investment. The key is that they must be issued directly by the bank or post office and contain all required details.

What to Do If You Lose a Fixed Deposit Receipt

If the original receipt is lost, you can request a duplicate from the bank. They will ask you to:

• Submit a written request for a duplicate receipt
• Provide ID proof
• Possibly pay a small replacement fee

Once processed, the bank will issue a duplicate receipt. This will have the same details as the original and be valid for all purposes.

A fixed deposit receipt is more than just a piece of paper. It’s the official record of your FD. Whether it’s for maturity, closure or simply checking your terms, it keeps all the details clear and in one place. Both physical and digital versions are equally valid, so you can choose the format that suits you best.

If you don’t want the hassle of misplacing papers or digging through files, Fibe makes it easy. Download the Fibe App and open an FD starting from just ₹1,000! You can easily store your receipt digitally and access or download it anytime in just a few taps!

FAQs on Fixed Deposit Receipts

How to download a fixed deposit receipt?

Log in to your bank’s internet banking or mobile app. Go to the fixed deposit section and select the option to view or download the receipt.

Are fixed deposit receipts good?

Yes, they are extremely important documents. They provide proof of your FD investment and keep all details in one place for easy reference at renewal, closure or for tax purposes.

How to fill a fixed deposit receipt?

When opening an FD, enter your name, deposit amount, tenure, interest payout option, nominee details and payment mode. The bank will then issue the completed receipt after processing your request.