Online FD Loan Management Assistance

I need clear, practical guidance on handling Fixed Deposit-backed loans from start to finish without ever stepping into a branch. The work centres on three recurring needs: closing my current FD loans, opening new ones when rates make sense, and keeping an organised eye on every loan’s status.

Everything must be achievable online, so the first deliverable is a step-by-step workflow that shows exactly which portals, forms and authentication methods each of my banks accept. From there, I’ll need concise checklists of the documents to upload for both closures and fresh applications, together with template request letters or emails that satisfy a bank’s compliance team.

To stay on top of multiple maturities, a live tracker (Google Sheet or similar) is required. It should capture principal, interest rate, tenure, maturity dates and any early-closure penalties, flagging upcoming actions automatically.

Deliverables
• Online workflow for FD loan closure and opening (bank-specific where possible)
• Document & compliance checklists plus ready-to-use templates
• Dynamic tracker with built-in reminders and status fields
• A brief set of best-practice tips for maintaining audit-ready records

Acceptance criteria: Documents must match each bank’s latest public requirements; tracker formulas trigger alerts at least 7 days before any critical date; all materials are shared in editable format.

Please keep explanations jargon-free and illustrate each recommendation with a quick example so I can implement it immediately.