Just give me simple answer when you are brokering a deal =--- Why your seller or FD holder could not able to sell his FD to his own bank or to any other bank where he can get much better value , sameday credit of amount and without any waiting games rathar than coming to broker like you or others to sell his FD??? Answer is simple , either he is NUTS to have no idea about FD or he is crazy to offer FD in open market to sell to a third party which will never happens.