Yes. If you’re a Joint Account Holder, you can create a joint FD. However, it is only possible for holders up to two. For more than two holders, one needs to visit the branch.

Joint Account Operated By
Joint FD Creation
Raj OR Simran
Yes
Simran OR Raj
Yes
Raj AND Simran
No
Bauji AND/OR Raj AND/OR Simran
No
Please note: These FDs can’t be closed online.

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