Loan Against Fixed Deposit at Low Interest Rate

A Loan Against Fixed Deposit (FD) is an easy way to meet short-term financial needs without breaking your deposit. Most banks and NBFCs allow you to borrow up to 90% of your FD amount while your deposit continues to earn interest.

Real Finserv connects you with leading banks offering quick and affordable loans against fixed deposits. Enjoy flexible repayment options, minimal paperwork, and instant disbursal directly to your account.

This facility is ideal for emergencies, education expenses, or business needs, letting you leverage your savings without affecting your FD returns.

Key Features:

• Loan amount up to 90% of FD value.
• Attractive interest rate — usually 1–2% higher than FD rate.
• No need to liquidate your FD prematurely.
• Flexible repayment tenure aligned with FD maturity.
• Available for both cumulative and non-cumulative FDs.
• Quick processing with minimal documentation.
• Overdraft or term loan facility available.
• Applicable for both individuals and businesses.

Benefits of Loan Against FD:

• Instant liquidity without losing FD interest.
• No credit score or guarantor required.
• Continue earning interest on your FD.
• Repay anytime before FD maturity.
• Lower interest cost compared to personal loans.
• Quick approval through Real Finserv partner banks.

How to Get a Loan Against FD at Low-Interest Rates?

To avail the lowest rates, apply with the bank or NBFC where your FD is maintained. Choose a shorter tenure and maintain a strong banking relationship to enjoy faster approval and preferential interest.

Documentation:

Required Documents

• Valid ID proof – Aadhaar Card, PAN Card, or Passport.
• Address proof – Utility Bill, Driving License, or Voter ID.
• Copy of FD receipt or statement.
• Signed loan application form.
• Passport-size photographs.