Visit the SBI branch where the FD was opened
Carry valid ID proof and FD receipt if available
Submit a premature closure request form
Provide your savings account details for credit of proceeds
Confirm the applicable premature withdrawal penalty
Sign the required closure documents
If the FD is linked to internet banking, check whether premature closure is available online
For joint FDs, ensure all account holders sign if required
For tax-saving FDs, note that premature closure is generally not allowed except in specific cases
Receive the matured amount after deduction of applicable charges and penalty