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Loan Against Fixed Deposit

Instant loan up to 90% of your fixed deposit value without breaking your deposit. Compare interest rates, check instant eligibility, and apply with top lending partners on FINDEAL.

Interest Rate From 8.50% p.a.*
Loan Amount Up to ₹5 Crores
Loan Tenure Up to 30 Years
Processing Instant Sanction
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INSTANT APPROVAL WIDGET

Apply for Loan Against Fixed Deposit

Fast Disbursal
100% Confidential Zero Impact on CIBIL

Lowest Interest Rates

Competitive interest rates from top partner banks starting at 8.50% p.a.

Flexible Tenure Options

Choose repayment tenure ranging from 12 months up to 30 years.

Minimal Documentation

Paperless online upload with simple KYC and income verification.

Fast Loan Disbursal

Quick approval process with funds disbursed directly to your bank account.

INSTANT FD COLLATERAL CREDIT

Get Instant Funds with Loan Against FD

Get up to 90-95% loan or overdraft limit against your Bank Fixed Deposit while your FD continues to earn full interest income.

Loan Against Fixed Deposit

Loan Against Fixed Deposit Overview

Fast digital verification with transparent loan terms across top Indian banks.

KEY HIGHLIGHTS
Borrow up to 90-95% of your total Fixed Deposit value
Low interest rate: Only 1% - 2% above your FD interest rate
FD continues to earn full interest income uninterrupted
Zero processing fees, zero documentation & instant approval
Max Amount: Up to 95% of FD
Rates From: FD Rate + 1% to 2%
Tenure: Up to FD Maturity
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Instant Liquidity Without Breaking Fixed Deposits

4 Min Read Verified Guide FINDEAL Certified

A Loan Against Fixed Deposit (FD) is a hassle-free credit facility offered by banks where your existing fixed deposit serves as collateral. Prematurely breaking an FD results in interest penalty loss.

With a Loan Against FD through FINDEAL, you get an instant overdraft or loan limit of up to 95% of your FD value while your original deposit continues earning interest compounded as planned.

Who Can Apply?

Any fixed deposit holder (individual, senior citizen, business owner, or NRI) seeking quick cash without breaking their term deposit investment.

Why Choose Credit Against FD?

Avoid Premature FD Closure Interest Penalties
Pay Minimal Interest (Only 1%-2% over FD interest rate)
Instant Digital Disbursal without Income Verification
Emergency Liquidity for Personal or Business Expenses

Flexible Overdraft Liquidity

Repay as per your convenience before the FD maturity date. If unpaid, the balance automatically settles against the FD proceeds on maturity.

TRUSTED ADVISOR

Why Borrow via FINDEAL?

  • 30+ Top Partner Banks
  • Zero Hidden Processing Fees
  • Dedicated Loan Assistant
Calculate EMI Now

Loan Against Fixed Deposit Snapshot

Max Limit Up to 95% of FD
Interest Rate FD Rate + 1% to 2%
Tenure Range Up to FD Maturity
Credit Score 100% Guaranteed
Disbursal Instant Disbursal
PRACTICAL APPLICATIONS

Advantages of Loan Against FD

Verified Category Guidance

Full FD Interest

Your fixed deposit keeps earning compounding interest.

Lowest Interest Cost

Extremely cheap interest rate (FD rate + 1%).

No Income Proof

No salary slips, credit score checks, or IT returns needed.

Instant Disbursal

Funds credited to your savings account in minutes.

Up to 95% Limit

Access almost the entire value of your fixed deposit.

Zero Processing Fee

No hidden charges or application fees.

INTERACTIVE CALCULATOR

Calculate Your Loan Against Fixed Deposit EMI

Use our easy calculator slider to estimate your monthly EMI repayments, interest payable, and total loan amount before applying.

Explore All 21 Calculators
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Estimated Monthly EMI ₹
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Eligibility Criteria

BASIC QUALIFICATIONS
  • Age Requirement: Minimum 21 years up to 65 years at loan maturity.
  • Employment: Salaried employee, self-employed professional, or business owner.
  • Minimum Income: Net monthly income of ₹25,000 or annual turnover of ₹10 Lakhs.
  • Credit Score: CIBIL Score of 700 or higher for best interest rates.

Required Documents

PAPERWORK CHECKLIST
  • Identity & Address Proof: PAN Card, Aadhaar Card, Passport, or Voter ID.
  • Income Proof: Last 3 months salary slips or ITR for last 2 financial years.
  • Bank Statements: Last 6 months bank account statements showing salary/business credits.
  • Business Proof (if self-employed): GST Registration, Business License, or Property Deed.
PARTNER RATES

Compare Top Lender Rates for Loan Against Fixed Deposit

Lender / Institution Interest Rate (p.a.) Loan Amount Processing Fee Action
HDFC
HDFC Bank 		10.50% - 12.50% ₹50K - ₹50 Lakhs Up to 0.50% Apply
ICICI
ICICI Bank 		10.75% - 13.00% ₹50K - ₹50 Lakhs Up to 1.00% Apply
AXIS
Axis Bank 		11.00% - 13.50% ₹50K - ₹40 Lakhs Up to 1.25% Apply
SBI
State Bank of India 		10.30% - 12.00% ₹50K - ₹50 Lakhs Nil - 0.50% Apply
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