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Loan Against Fixed Deposits

Borrow against your FD --- and keep it earning interest.

Retain ownership
Apply Now → Calculate EMI →
Loan Amount / Ticket size
Up to 90--95% of FD value
Free eligibility assessment · Advisor calls within 4 business hours
Check Eligibility →
At a Glance

Loan Against Fixed Deposits — Key Facts

Loan Amount / Ticket size
Up to 90--95% of FD value
Interest Rate / Cost
\~1--2% above the FD\'s own rate
Collateral
Lien on the existing Fixed Deposit
Tenure
Up to the FD\'s maturity
Turnaround Time
Very fast (same-day in many cases)
Best For
Depositors wanting cheap liquidity without breaking the FD
Overview

What It Is & How It Works

One of the most cost-effective borrowing options, secured by an existing bank Fixed Deposit. The bank retains the right to liquidate the FD in case of default.

How It Works

The Process, Visualised

How the pledge worksYour Fixed DepositPledged, still yoursValuationLender sets limitOverdraft LimitDraw as neededInterest on UseOnly on what you draw

You keep ownership and any upside on the pledged holding; interest applies only to the amount you actually use.

Eligibility Criteria

  • Holder of an existing bank Fixed Deposit
  • FD in the applicant\'s name (single or joint)
  • KYC-compliant individual or entity
  • FD free of any existing lien

Documents Required

  • Fixed Deposit receipt / advice
  • PAN and Aadhaar
  • Bank account details
  • KYC of the applicant
Process

From Application to Disbursal

1

Apply Online

Tell us your requirement in 2 minutes.

2

Eligibility Check

Free assessment within 48 hours.

3

File Preparation

We build and submit the complete bank-ready file.

4

Sanction & Disbursal

We follow through to money-in-account.

Who It's For

Common Applicants

Business Owners
Promoters & Directors
HNIs
Traders
Professionals
Investors
Get Started

Apply for Loan Against Fixed Deposits

Fill this short form — our advisor calls within 4 business hours. Or use the full application →

✓ Free assessment · Documents stored securely · We call within 4 business hours

FAQ

Frequently Asked Questions

Because your own FD secures it, the rate is usually just 1--2% above the FD\'s interest rate --- making it one of the most cost-effective ways to borrow.
No. The FD keeps earning its contracted interest; you only pay the small spread on the loan you draw against it.
Typically up to 90--95% of the FD\'s value, so you unlock most of its worth without prematurely closing it.
The bank has the right to liquidate the pledged FD to recover the outstanding amount, which is why the facility is low-risk and low-cost.
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Apply for Loan Against Fixed Deposits

Free eligibility assessment · Advisor calls within 4 business hours · Documents stored securely

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