A Loan Against Deposit That Keeps Your Savings Working

Meet urgent needs without breaking your deposit. Borrow against your Fixed Deposit or Dam Duppat, access up to 80% of its value, and continue earning interest while using the funds.

Loan against fixed deposit overview on mobile banking app
Loan on Fixed Deposit
Up to 80% Loan-to-Value
Interest Continues on Deposit
Quick Eligibility

Numbers That Matter for Your Financial Growth

See how our trusted services, wide reach, and member satisfaction make a difference in every financial journey.

80%

Maximum LTV

Based on deposit value

250+

Branches Nationwide

Easy assistance

50K+

Deposit Holders

Across regions

How Loan Against Deposit Works

Borrow Against Your Own Deposit

Your Fixed Deposit or Dam Duppat acts as collateral, allowing you to access funds without liquidation.

Flexible Loan-to-Value Options

Depending on the deposit type and tenure, you can borrow 50%, 60%, 70%, or up to 80% of the deposit value.

Illustration explaining loan against deposit benefits

Key Benefits of Loan Against Deposit

This facility is designed for members who need short-term liquidity but want to keep their long-term savings intact.

  • FD & Dam Duppat Backed Loan: Available against eligible Fixed Deposits and Dam Duppat schemes.
  • Continue Earning Interest: Your deposit remains active and continues to earn interest during the loan period.
  • Minimal Documentation: No separate income proof required-the deposit itself secures the loan.

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