Loan/Overdraft Against Fixed Deposits

Unlock liquidity with a loan against your fixed deposit

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Fixed deposit, flexible funds

Need cash but don’t want to break your fixed deposit? Our loan scheme lets you leverage your deposit, offering funds at an interest rate just @1%* p.a above your deposit's rate. Enjoy quick access to funds with minimal documentation and immediate disbursement.

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Loan against Fixed Deposits EMI Calculator

Loan Amount

1K
100Cr

Tenure (months)

Months
1
480

Interest Rate

%
0%
30%

Monthly EMI

0

Interest Payable

0

Disclaimer: The calculator provides estimated EMI; actual figures will be as per RBI guideline. Final calculations will be available at the branch. Floating / Fixed ROI will be available based on customers requirement.

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Features of Loan against Fixed Deposits

Unlock Liquidity

Unlock Liquidity

Unlock liquidity by leveraging your fixed deposits.

Interest Rate

Interest Rate

Interest rate is just @1%* p.a above the applicable term deposit rate.

No Need to Break

No Need to Break

No need to break your FD – keep earning interest while you borrow.

Frequently Asked Questions

This loan allows you to borrow funds by pledging your fixed deposit as collateral, providing a quick and easy credit option.

You can avail up to 90%* of your fixed deposit amount as a loan.

Yes, you will continue to earn interest on your fixed deposit while availing the loan.

No, there is no penalty for pre-closing the loan against a fixed deposit.

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