Need Funds Without Breaking Your Deposit?

Discover the Power of Deposit Loans

There are moments when you need urgent access to funds—be it for a medical emergency, a family event, a business investment, or education. But what if all your money is locked in a fixed deposit? Should you break it and lose your hard-earned interest?

Not anymore.

With a Deposit Loan, you can borrow money against your fixed deposit without actually breaking it. You get instant liquidity while your deposit continues to earn interest. It’s one of the safest, smartest, and most cost-effective borrowing options available today.

Deposit Loan Banner
What is a Deposit Loan?

What is a Deposit Loan?

A deposit loan, also known as a loan against fixed deposit (FD), allows you to borrow up to 90% of the FD amount. This type of loan is secured against your own deposit, which means:
  • Lower interest rates compared to unsecured loans
  • No risk of losing your deposit
  • Continued interest earnings on your FD
  • Simple documentation and faster processing
If you have a fixed deposit and are in need of short-term funds, this loan offers the best of both worlds—flexibility and financial stability.

Key Features

Loan Against FD

Borrow up to 90% of your fixed deposit value without liquidating your savings.

Fast Processing

Get your loan approved and disbursed within 24–48 hours with minimal paperwork.

Lower Interest Rates

Since it’s a secured loan, interest rates are much lower than typical personal loans or credit cards.

Simple Documentation

Only basic documents are required—ID proof, FD receipt, and loan request form.

Digital Convenience

Easily apply, track, and manage your loan online from your mobile or computer.

Zero Impact on FD

Your FD remains untouched and continues to accrue interest as usual.

How Does It Work?

Applying for a deposit loan is quick, straightforward, and completely stress-free:
Share Your Fixed Deposit Details

Step 1: Share Your Fixed Deposit Details

Step 1: Share Your Fixed Deposit Details

Provide your FD receipt and account details. Your loan eligibility is based on the deposit’s value and maturity period.
Evaluation and Offer

Step 2: Evaluation and Offer

Step 2: Evaluation and Offer

Receive a loan offer—usually up to 90% of the FD amount—with a lower interest rate.
Document Submission

Step 3: Document Submission

Step 3: Document Submission

Submit minimal documentation—ID proof, address proof, and FD documents.
Quick Disbursal

Step 4: Quick Disbursal

Step 4: Quick Disbursal

Once verified, funds are credited to your bank account within 1–2 business days.
Share Your Fixed Deposit Details

Step 1: Share Your Fixed Deposit Details

Step 1: Share Your Fixed Deposit Details

Provide your FD receipt and account details. Your loan eligibility is based on the deposit’s value and maturity period.
Evaluation and Offer

Step 2: Evaluation and Offer

Step 2: Evaluation and Offer

Receive a loan offer—usually up to 90% of the FD amount—with a lower interest rate.
Document Submission

Step 3: Document Submission

Step 3: Document Submission

Submit minimal documentation—ID proof, address proof, and FD documents.
Quick Disbursal

Step 4: Quick Disbursal

Step 4: Quick Disbursal

Once verified, funds are credited to your bank account within 1–2 business days.

You can continue earning interest on your FD while using the borrowed amount as per your needs.

Where Can You Use a Deposit Loan?

A deposit loan gives you freedom and flexibility. Use it for:
You decide how to use the loan—there are no usage restrictions.

Benefits of a Deposit Loan

Here’s why smart borrowers prefer deposit loans over traditional options:
Continue Earning Interest

Continue Earning Interest

Your FD remains intact, earning the same interest while you use the loan amount.

Lower Financial Stress

Lower Financial Stress

Pay lower EMIs due to reduced interest rates, making repayment stress-free.
No Credit Score Needed

No Credit Score Needed

Your eligibility is based on your deposit, not your credit history.

Flexible Repayment Options

Flexible Repayment Options

Choose repayment tenure that fits your financial comfort—short or long-term.
Zero Prepayment Charges

Zero Prepayment Charges

Pay off your loan early without penalties (in most cases).

100% Transparent Process

100% Transparent Process

No hidden charges or complex terms. Everything is explained upfront.

Who Can Apply?

You’re eligible for a deposit loan if:
  • You hold an active fixed deposit with a bank or financial institution
  • You’re an individual (salaried, self-employed, or retired)
  • You’re a business owner or professional with a corporate FD
  • You need liquidity without affecting your investments
There’s no need to show income proof or credit history. Your FD is your strength.
Quick Recap – Why Deposit Loans Are a Smart Choice
  • Borrow up to 90% of your FD’s value
  • No need to break your deposit
  • Earn interest while using your loan
  • Lower interest rate than unsecured personal loans
  • Same-day approval and quick disbursal
  • Ideal for emergencies, short-term funding, or bridging financial gaps
This is financial empowerment on your terms.
Quick Recap – Why Deposit

Take Control of Your Finances

Don’t let your savings sit idle when you need cash. With a deposit loan, your money continues to work for you—even while you’re using it. No more hard choices between investment and liquidity. Get the funds you need now while keeping your financial future secure.

Ready to Borrow Smart?

Apply today for a hassle-free deposit loan.
 Quick. Safe. Affordable. Designed around you.