Yes, the holding pattern in a linked fixed deposit and a savings account can be different. In the case of Activ Money, a feature offered by Kotak Mahindra Bank, a portion of your savings account balance is automatically transferred to a linked fixed deposit account. The holding period for the fixed deposit is typically shorter, and the entire balance in the savings account and ActivMoney FD remains readily accessible. This allows you to earn higher interest rates on the fixed deposit while still having the flexibility to withdraw funds from your savings account when needed.