Lost Fixed Deposit (FD) Original Certificate – How to Get Duplicate Copy?

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How to get duplicate copy of lost fixed deposit receipt certificate
How to get duplicate copy of lost fixed deposit receipt certificate

Have you lost your original fixed deposit (FD) certificate / receipt? Or your fixed deposit receipt (FDR) misplaced or stolen by someone? No need to worry, this article is for you – here is the solution. Download Letter of Indemnity Format to get duplicate copy of fixed deposit receipt. Read here how to get issue of fixed deposit receipt (FDR) duplicate copy from bank. This is very common issue which may arise when we lose our fixed deposit receipt (FDR). But in the era of digital banking and tech products, it is very easy to find details of lost fixed deposit receipt like account number, maturity value, maturity date, amount etc.

Most of the banks like State Bank of India (SBI), PNB, Canara Bank, Bank of India, Allahabad Bank, ICICI Bank, Axis Bank, HDFC Bank, Bank of Baroda, UCO Bank, OBC etc provide facility to open fixed deposit account by Internet Banking. You don’t need to visit bank branch and fill form, you can easily open and redeem the fixed deposit online through internet banking.

Here in this article, we will know the detailed process to get duplicate fixed deposit (FD) receipt copy / certificate in case it is lost, misplaced or stolen.

Procedure : How to Get Duplicate Fixed Deposit (FD) Receipt / Certificate

In case if your fixed deposit receipt is lost, stolen, mutilated, defaced or destroyed, then you can apply for duplicate fixed deposit receipt at bank branch where the original receipt was issued. Follow these steps :

Visit Bank Branch –

First step is to approach your bank branch where your fixed deposit receipt was issued and inform about the lost fixed deposit receipt. They will help you to find your fixed deposit details by searching with your name, customer ID or PAN number.

Documents Required for Issue of Duplicate Fixed Deposit Receipt – 

  • Application / Request letter for Duplicate FDR
  • Indemnity Bond

Application for duplicate receipt – 

Write an application for duplicate fixed deposit receipt. Mention fixed deposit account number, issue date, amount and circumstances in which FDR lost, mutilated, stolen or misplaced.

Bank will also ask you (deposit holder) to execute indemnity bond which be appropriately stamped under the relevant stamp laws. Stamp duty shall be borne by you (depositor).

In case of fixed deposit held jointly by two persons, application or request for duplicate FDR shall be made jointly by both of them. Also the indemnity bonds shall be executed by both the joint holders.

Download Indemnity Bond Format for lost fixed deposit

You can download indemnity bond format for various banks from here.

Letter of Indemnity for Lost, Stolen, Destroyed Fixed Deposit Receipt HDFC Bank
Letter of Indemnity for Lost, Stolen, Destroyed Fixed Deposit Receipt HDFC Bank

Download indemnity bond format for SBI Bank

Download indemnity bond format for Punjab National Bank

Download indemnity bond format for Canara Bank

Download indemnity bond format for HDFC Bank

Download indemnity bond format for ICICI Bank

Get Duplicate Fixed Deposit Receipt (FDR)

After verifying your application for duplicate FD issue, bank official will issue you a duplicate fixed deposit receipt which shall be treated as equivalent to original receipt.

However, you can also open your fixed deposit online through internet banking of respective bank. You will get certificate and statement in your registered email id.

There will be no risk of loss of fixed deposit receipt as you can download your FD certificate anytime through internet banking. You can also redeem it and get maturity value back in your saving account.

7 COMMENTS

  1. Indemnity Bond required for 1 FDR. Because we have lost 6 fdr it may cost Rs.4200/- if per FDR indemnity Bond required. Pl give your suggestion.

    • Sir I have lost my passbook and FD card in SBI .Now I want to get FD . What is the procedure for this.will you help me my contact no9855541772

  2. how much time it takes for issuence duplicate fix deposit certificate after completion of all formalities in bank of baroda

  3. Sir, my father made fixed deposit in ccb bank and my father dead last year…now we request bank to issue duplicate copy. They say no rules. Kindly advice whom we have to follow???

  4. I have photo copies of all my 3 FDs but have lost their original certificates.. Will the photo copies be helpful to bank or I will have to do the same procedure mentioned in this article?

  5. Just need to know a technical issue re: Sureties who also have to co sign the Indemnity Form. For how long will their Surety Bond be enforceable on them,

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