There is 1% penalty on the applicable interest rate for early withdrawal of FD below ₹3 crore. Basically, the penalty amount depends on the deposit duration and withdrawal terms.

FDs are safe, but you need to diversify your investment to get better returns and risk management. With FDs your can secure your future and it’s a good idea. To understand the FD Taxation and Planning, you need to understand these points:

If your total FD interest exceeds to Rs.40,000 then bank will deduct 10% TDS annually. There is a a procedure of taxation on maturity of your FD. Your annual tax liability may vary. So its better to do some -tax saving investments like PPF and ELSS.

UPI ensures that your bank details remain confidential. While doing the transaction, UPI uses the Virtual Payment Address (VPAs) instead of sharing bank account number. UPI uses the Two-Factor Authentication, which requires PIN and OTP for verification. All the transactions are end-to-end encrypted which prevents us from fraud. All these security steps are taken by UPI to maintain the security and privacy of your transactions.

Fees you need to pay to buy a house:
Stamp Duty which is 5-7% of total property value. Then 1% registration fees of the property value. Some legal and handling fees are also there.
It's better to consult a property lawyer to understand all the possible costs.