Fixed Deposit Maturity Amount not Credited: What to Do Next
RBI Ombudsman as of 1 July 2026: Bank, certain NBFC, prepaid-instrument and credit-information complaints go under the Reserve Bank - Integrated Ombudsman Scheme, 2026, which replaced RB-IOS 2021 from 1 July 2026. First complain to the entity. If there is no reply in 30 days (or the longer NPCI/card-network window, if it applies) or you reject the reply, file free at cms.rbi.org.in within 90 days. The Ombudsman can award up to Rs 30 lakh for consequential loss and up to Rs 3 lakh for time, expenses and harassment. Complaints received before 1 July 2026 stay under the 2021 scheme. Source: RBI FAQ, updated 1 July 2026 and the RB-IOS 2026 FAQ PDF dated 1 July 2026.
Quick Reply: India guide for fixed deposit maturity amount not credited: 30-second answer, documents, escalation matrix, complaint template, RTI use, official sources and next action checklist.
Use this guide when fixed deposit maturity amount not credited is causing delay, loss of money, record mismatch or denial of service. The aim is to turn scattered calls and counter visits into a documentary trail that a nodal officer, regulator, ombudsman, consumer forum, RERA authority, department or court can act on.
Reviewed on: 2026-05-30.
30-Second Answer
If fixed deposit maturity amount not credited, collect the account, application, transaction, policy, property, employee, pension, scholarship or bill reference and send one precise written complaint to the office that can correct the record or release the money. Ask for a written reason if the request is refused or kept pending. Escalate with the same evidence bundle to bank branch, customer service desk, principal nodal officer and RBI CMS. Use RTI only for records held by a public authority: file movement, deficiency notes, dispatch records, sanction details, payment advice, inspection reports or reasons recorded on file.
Where to escalate
Use the correct external forum. Use RBI CMS complaint portal or the other official source linked below where it fits the subject. For consumer-service disputes, consider National Consumer Helpline and e-Daakhil. For public departments, CPGRAMS, state grievance portals and RTI may help. For high-value or time-sensitive cases, take professional advice before limitation expires.
Official Sources
What should I do first if fixed deposit maturity amount not credited?
Preserve proof, write a dated complaint with reference numbers, and ask for a written decision or correction instead of relying on calls.
Related Guides
Fixed deposit maturity amount not credited: How to recover with interest?
When a fixed deposit matures but the amount is not credited to your account, here is the complete recovery guide:
- Step 1: What should happen at FD maturity? (a) on maturity, the FD amount plus interest should be auto-credited to your linked savings account, (b) if you chose “auto-renewal”, the FD renews for another term at the prevailing rate, © the bank sends an SMS/email notification on maturity, (d) the maturity date is mentioned on the FD receipt.
- Step 2: Common issues. (a) the maturity amount is not credited (system error, account frozen), (b) the FD is auto-renewed despite instructions not to, © the interest rate on renewal is lower than expected, (d) the bank deducts TDS but does not credit the net amount, (e) the linked account is closed or inactive.
- Step 3: How to recover. (a) visit the branch with: FD receipt (or FD number), savings account passbook, KYC documents, (b) submit a written complaint with the FD number and maturity date, © the bank should credit within 7 working days, (d) if the bank delays: demand interest for the delay period (at the savings account rate).
- Step 4: RBI rules on FD maturity. (a) RBI mandates that banks credit the maturity amount to the linked account on the maturity date, (b) if the bank fails: the bank must pay interest at the FD rate for the delayed period, © if the account is inoperative (no transactions for 2 years): the bank credits to the inoperative account but must inform the customer.
- Step 5: If bank refuses. (a) file a complaint with the bank's grievance officer, (b) escalate to RBI Banking Ombudsman (if not resolved within 30 days), © the Ombudsman can order: (i) credit of the maturity amount, (ii) interest for the delay, (iii) compensation up to Rs 3 lakh for time, expenses and mental anguish, (d) file a consumer complaint — deficiency in service.
- Step 6: TDS on FD. (a) TDS is deducted at 10% if interest exceeds Rs 40,000 (Rs 50,000 for senior citizens) per year, (b) if PAN is not linked: TDS at 20%, © submit Form 15G/15H to avoid TDS (if income is below taxable limit), (d) verify TDS in Form 26AS.
- Step 7: File RTI. File RTI with the bank (for public sector banks) asking for: (a) the status of the FD maturity credit, (b) the reason for delay, © whether interest has been paid for the delay period.
See FD Maturity and RBI Ombudsman.