Savings Products
Lock funds, earn predictable returns, and plan maturity with confidence
Poise Commerce Bank Fixed Deposit Receipt (FDR) products are designed for customers who prefer known maturity outcomes over variable-rate uncertainty. Choose a tenure, lock your principal for the agreed term, and receive returns according to your selected payout style (maturity or periodic).
FDR maturity calculator
Estimate maturity proceeds based on deposit amount, rate, and tenure.
How FDR works
An FDR places your principal on a fixed tenure at a fixed rate stated in your product summary. During the term, withdrawals are restricted and may attract an early break penalty where permitted by terms.
At maturity, you can choose to credit proceeds to your current account, renew for another term at the prevailing rate, or set maturity instructions in advance.
- Indicative tenures: 3, 6, 12, and 24 months
- Minimum placement amounts vary by customer segment
- Clear maturity instruction options before expiry
Who should use FDR
FDR is often suitable for customers with near-term goals and low risk appetite for principal fluctuation. It is not designed for funds you may need immediately.
Important
Rates shown in calculators are illustrative. Actual rates, eligibility, and terms are confirmed at account opening or renewal.