What is the FD Tracker?
The Fixed Deposit Tracker is a sub-module within Wevanta that attaches to any account of type Fixed Deposit. Instead of just knowing the total value of your FDs, you get a complete record of every individual FD certificate — its rate, tenure, maturity date, nominee, and a pre-configured maturity alert so you never accidentally let an FD roll over at a lower interest rate.
Step 1: How to Add an FD Record
Method A — From the Account Detail Page
The most common way. Navigate to Accounts → [Your FD Account] and click Add FD. This automatically links the new FD to that account.
Method B — Directly via FD Module
Go to Accounts → Fixed Deposits from the sidebar. This shows all FDs across all your FD accounts in one consolidated view.
Step 2: The FD Creation Form — Every Field
| Field | What to Enter | Required? |
|---|---|---|
| FD Number / Reference | The unique reference number printed on your FD receipt or certificate. E.g., 0393-2949-001 or FD/HBL/2024/00123. Used for reconciliation with bank statements. | Optional |
| Deposit Type | Select: Bank (regular bank FD), Company (corporate fixed deposit from companies like Bajaj Finance, Shriram), Infrastructure Bond, RBI/SBI Relief Bond, or Others. This categorises the FD for risk and reporting purposes. | ✅ Required |
| Start Date | The date the FD was opened / the deposit was made. | ✅ Required |
| Maturity Date | The date the FD matures and becomes withdrawable. Wevanta uses this for the maturity reminder. | Optional |
| Period (Months) | The tenure in whole months. E.g., 12 for a 1-year FD, 36 for a 3-year FD. Can be used as an alternative to entering the Maturity Date directly. | Optional |
| Period (Days) | Additional days beyond the months tenure. E.g., for a 1-year-15-day FD: 12 months + 15 days. | Optional |
| Interest Rate (%) | The annual interest rate offered by the bank. E.g., 7.5 for 7.5% p.a. This is used purely for record-keeping and display — Wevanta does not auto-calculate interest accrual for FDs (you update the maturity value manually). | Optional |
| Invested Amount | The principal amount deposited. This is the money that went in from your pocket. | ✅ Required |
| Maturity Value | The total amount you will receive at maturity (principal + all interest). Enter this from your FD certificate or receipt. This is what Wevanta shows as the current value of this FD in your Net Worth. | Optional |
| Nominee | The name of the nominee registered with the bank for this FD. Purely for your records — critical for family continuity documentation. | Optional |
| Remind Me (Days Before Maturity) | Enter a number (e.g., 7 or 30). Wevanta will automatically create a Planning Reminder that fires this many days before the Maturity Date, alerting you to decide whether to renew, withdraw, or reinvest at current rates. This prevents money sitting idle in a savings account at 3% when it should be re-invested at 7.5%. | Optional |
Step 3: FD Statuses
| Status | Meaning |
|---|---|
| Active | The FD is currently running, maturity date is in the future. |
| Matured | The maturity date has passed but no withdrawal has been recorded yet. |
| Withdrawn | The FD has been closed and the money withdrawn. You record the withdrawal date and amount. |
Step 4: How FDs Affect Your Net Worth
When you enter a Maturity Value, that value is used as the current value of this FD in your Net Worth and Asset Allocation pie chart. If you do not enter a Maturity Value, the Invested Amount is used instead. Update the Maturity Value whenever your bank provides an updated maturity statement.
Step 5: Recording a Withdrawal
When an FD matures and you withdraw the funds, open the FD record and click Mark Withdrawn. Enter the withdrawal date and the actual amount received (which may differ from the estimate if there was a premature withdrawal penalty). The FD status changes to Withdrawn and it is removed from your active Net Worth calculation.