FD got 6 months or 1 year maturity mar... Safer than leaving it inside current accounts too... can cancel without penalties or management fees unlike blue-chips/UT.... EPF dead end till 50 unless buy property and that also if there's a prospective property to buy. New project launch properties also if got money to buy also not that easy to get it lol especially good location ones. Have to sort of lucky draw for it yo...

so at the mean time, FD is still the best place to store the cash untill there's a use for it. It's meant to be a safe storage space jer not as an investment.

can I clarify ? if I have example 1.5 million combined in account 1 and 2 I can withdraw the excess 500k anytime ?

If not mistaken I think is can direct cash out 1 million cash