{"id":362028,"date":"2025-09-29T17:00:39","date_gmt":"2025-09-29T11:30:39","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=362028"},"modified":"2025-10-04T09:56:45","modified_gmt":"2025-10-04T04:26:45","slug":"ori-hc-allows-early-fd-withdrawal-for-marriage-necessity","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2025\/09\/29\/ori-hc-allows-early-fd-withdrawal-for-marriage-necessity\/","title":{"rendered":"Orissa HC recognises marriage as traditional necessity; Allows early withdrawal of fixed deposits under National Savings Time Deposit Scheme"},"content":{"rendered":"<div style=\"text-align: justify; line-height: 150%;\">\n<p style=\"margin-bottom: 3%;\"><span style=\"font-weight: bold;\">Orissa High Court:<\/span> In the present petition, the petitioner challenged the refusal to permit premature closure of her fixed deposits, wherein she was denied access to her own funds despite an urgent need arising from a marriage in the family. She submitted that premature encashment was not completely barred under Rule 8(d) of the <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-9001097770\" target=\"_blank\">National Savings Time Deposit Scheme, 2019<\/a> (&#8216;2019 Scheme&#8217;), and thus warranted consideration.<\/p>\n<p style=\"margin-bottom: 3%;\">A Single Judge Bench of Dixit Krishna Shripad, J., while allowing the petition, observed that the funds in deposit belonged to the petitioner and not to the entity holding the money, since, ordinarily, the owner of a thing was entitled to make use of it in any way he or she desired, unless the law provided otherwise.<\/p>\n<h3>Background:<\/h3>\n<p style=\"margin-bottom: 3%;\">The petitioner had invested in five fixed deposits under the 2019 Scheme, each with a tenure of five years. She sought permission to prematurely encash these deposits due to an urgent financial requirement, namely a marriage in the family, while submitting that premature encashment of the fixed deposits was not completely embargoed and therefore should be permitted. However, her request was denied by the authorities under Rule 8(d) of the amended 2019 Scheme, as per the Notification dated 07-11-2023.<\/p>\n<p style=\"margin-bottom: 3%;\">The petitioner argued that Rule 8(d) of the 2019 Scheme did not impose a complete prohibition on premature withdrawal. She contended that she was in genuine need of funds for a traditional necessity and that the rule should be interpreted in a manner that allowed such withdrawal.<\/p>\n<p style=\"margin-bottom: 3%;\">On the other hand, the opposite parties contended that Rule 8(d) of the 2019 Scheme clearly permitted premature withdrawal only after four years from the date of deposit, and since the deposits had not reached that threshold, the petitioner was not entitled to encash them.<\/p>\n<h3>Analysis and Decision:<\/h3>\n<p style=\"margin-bottom: 3%;\">After hearing both sides and examining the petition, the Court found merit in the petitioner&#8217;s plea and observed that she was in urgent need of funds for a marriage, which was recognised under Hindu Law as a traditional necessity. Emphasising the petitioner&#8217;s situation, the Court stated that it could not be gainfully argued that she had no pressing need for the funds. Further, the Court observed that the funds in deposit belonged to her and not to the entity holding the money, since, ordinarily, the owner of a thing was entitled to make use of it in any way he or she desired, unless the law provided otherwise.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court analysed Rule 8(d) of the 2019 Scheme, which stated that where a deposit in a five-year account was withdrawn prematurely after four years from the date of opening of account, interest should be payable at the rate applicable to Post Office Savings Account. The Court emphasised that the provision in question was not a Statute or Act but rather a form of subordinate legislation, which needed to be interpreted with a degree of leniency, as availed by its very text. The Court further observed that it did not begin with negative phraseology such as &#8220;No premature encashment\/withdrawal of deposit was permitted.&#8221;<\/p>\n<p style=\"margin-bottom: 3%;\">On the contrary, the Court noted that Rule 8(d) of the 2019 Scheme specifically provided for premature encashment. The Court observed that the thrust of the rule was on the rate of interest payable when the deposit is withdrawn after four years but before maturity. The Court, therefore concluded that a rule framed in such terms could not treated as putting a complete embargo against premature withdrawal. That said, the Court refrained from expressing any opinion on the rate of interest payable in the event of such withdrawal.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court therefore allowed the petition and quashed the letter dated 05-08-2025. Consequently, a writ of mandamus directing the authorities concerned was issued to permit the petitioner to withdraw the deposits within two weeks to facilitate the marriage ceremony. The Court further ordered that any delay in compliance would attract interest at the rate of 1 per cent per month, personally payable by the opposite parties.<\/p>\n<p style=\"margin-bottom: 3%;\">[<span style=\"font-weight: bold; color: #632423;\">Priyadarsini Das v. Union of India, <a href=\"http:\/\/www.scconline.com\/DocumentLink\/G55s7P1S\" target=\"_blank\" rel=\"noopener\">2025 SCC OnLine Ori 3617<\/a>, decided on 22-09-2025<\/span>]<\/p>\n<hr\/>\n<p>Advocates who appeared in this case:<\/p>\n<p style=\"margin-left: 18pt;\"><span style=\"font-weight: bold;\">For the Petitioner:<\/span> Parsuram Panda, P.K. Satapathy &amp; S. Pati, Advocates.<\/p>\n<p style=\"margin-left: 18pt;\"><span style=\"font-weight: bold;\">For the Opposite Parties:<\/span> P.K. Parhi, DSGI with D. Golchhayat, CGC.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p style=\"font-style: italic;\">&#8220;Rule 8(d) of the Scheme specifically provides for premature encashment. However, the thrust of the rule is the rate of interest payable on the deposit, when it is withdrawn after four years, but before maturity. Such a rule cannot be treated as putting a complete embargo against premature withdrawal. This being said, this Court does not express any opinion as to payment of interest, when premature withdrawal is done&#8221;<\/p>\n","protected":false},"author":67011,"featured_media":362033,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,10],"tags":[10202,84103,90021,37146,90019,90020,90023,90018,90022],"class_list":["post-362028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-highcourts","tag-hindu-law","tag-justice-dixit-krishna-shripad","tag-marriage-necessity","tag-orissa-high-court","tag-premature-encashment","tag-premature-withdrawal","tag-premature-withdrawal-embargo","tag-rule-8d-national-savings-time-deposit-scheme-2019","tag-traditional-necessity"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Orissa HC allows early FD withdrawal for marriage necessity | SCC Times<\/title>\n<meta name=\"description\" content=\"Orissa High Court allows premature FD withdrawal for marriage marriage, recognising it as traditional necessity under Hindu Law.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.scconline.com\/blog\/post\/2025\/09\/29\/ori-hc-allows-early-fd-withdrawal-for-marriage-necessity\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Orissa HC recognises marriage as traditional necessity; 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Orissa HC denies Family pension to second wife","author":"Soumya Yadav","date":"January 17, 2026","format":false,"excerpt":"\u201cThe Hindu Marriage Act does not recognise childlessness as a justifiable circumstance for entering into wedlock with a person who is already in the subsisting wedlock with another.\u201d","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Family pension to second wife","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/01\/Family-pension-to-second-wife.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/01\/Family-pension-to-second-wife.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/01\/Family-pension-to-second-wife.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/01\/Family-pension-to-second-wife.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":349844,"url":"https:\/\/www.scconline.com\/blog\/post\/2025\/06\/05\/himachal-pradesh-hc-accepts-government-degree-college-principals-withdrawal-of-premature-retirement-scc-times-legal-news\/","url_meta":{"origin":362028,"position":1},"title":"\u2018Withdrawal of premature retirement allowed before effective date\u2019; 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The employee cannot be treated as functus officio during the notice period\u201d.","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Himachal Pradesh High Court","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/03\/Himachal-Pradesh-High-Court.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/03\/Himachal-Pradesh-High-Court.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/03\/Himachal-Pradesh-High-Court.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/03\/Himachal-Pradesh-High-Court.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":374057,"url":"https:\/\/www.scconline.com\/blog\/post\/2026\/01\/29\/ori-humane-approach-mandated-in-compassionate-appointments\/","url_meta":{"origin":362028,"position":2},"title":"Orissa High Court: Denial of Head Constable post to dependent spouse of disabled combatant unjustified; humane approach mandated in compassionate appointments","author":"Soumya Yadav","date":"January 29, 2026","format":false,"excerpt":"\u201cA society, which does not hold the Defence Personnel in high esteem, will do disservice to itself, inasmuch as its own security will be at stake, if those who guard it are not regarded.\u201d","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"humane approach compassionate appointments","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/01\/humane-approach-compassionate-appointments.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/01\/humane-approach-compassionate-appointments.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/01\/humane-approach-compassionate-appointments.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/01\/humane-approach-compassionate-appointments.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":352328,"url":"https:\/\/www.scconline.com\/blog\/post\/2025\/07\/04\/orissa-hc-on-maternity-benefit-to-contractual-employee\/","url_meta":{"origin":362028,"position":3},"title":"Denying maternity benefit to contractual employee is abhorrent to humanity and womanhood: Orissa HC","author":"Editor","date":"July 4, 2025","format":false,"excerpt":"\u201cPhysical companionship of mother and the baby was mutually advantageous as it promoted bonding between the two, which was essential for their wellbeing. A lactating mother had a fundamental right to breastfeed her baby during its formative years and, similarly, baby had a fundamental right to be breastfed.\u201d","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Maternity benefit contractual employee","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/Maternity-benefit-contractual-employee.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/Maternity-benefit-contractual-employee.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/Maternity-benefit-contractual-employee.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/Maternity-benefit-contractual-employee.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":360558,"url":"https:\/\/www.scconline.com\/blog\/post\/2025\/09\/18\/orissa-hc-upholds-license-revocation-of-teachers-as-muslim-marriage-registrars\/","url_meta":{"origin":362028,"position":4},"title":"Orissa HC upholds Government\u2019s decision to revoke licenses of teachers acting as Registrars of Muslim Marriages","author":"Editor","date":"September 18, 2025","format":false,"excerpt":"\u201cThat being the position, how will they be able to discharge their duty as teachers with absolute commitment in the Government Schools, is a big question.\u201d","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Muslim Marriage Registrars","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/09\/Muslim-Marriage-Registrars.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/09\/Muslim-Marriage-Registrars.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/09\/Muslim-Marriage-Registrars.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/09\/Muslim-Marriage-Registrars.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":374797,"url":"https:\/\/www.scconline.com\/blog\/post\/2026\/02\/05\/orissa-hc-upholds-two-child-norm-panchayat-disqualification\/","url_meta":{"origin":362028,"position":5},"title":"Orissa High Court upholds Two-child norm disqualification; 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