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Deposit Loan

Interest Rate: upto 12% p.a.

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 EMI Calculator

12.50%
24 Months
Monthly EMI
₹0
Total Interest Payable
₹0
FD Loan Amount
₹0
Total Amount Payable
₹0
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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.

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.
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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.
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Step 3: Document Submission

Step 3: Document Submission

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

You decide how to use the loan—there are no usage restrictions.

Who Can Apply?

You’re eligible for a deposit loan if:

  • You hold an active fixed deposit with a 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.