Loan Against Deposit
Don't Break Your Deposit. Borrow Loan Against It.
A loan against your Fixed Deposit, Cash Certificate or Recurring Deposit lets you access up to 80% of your deposit value instantly — without disrupting your investment or losing the interest earnings.
This is the most economical borrowing option for members who have active deposits with us. No additional collateral, no new documentation — just fast approval and same-day disbursement.
Borrow up to 80% of your deposit value
Zero processing charges
Deposit continues to earn full interest
No fresh documentation required
Same-day disbursement on approval
| Security Type | Max Loan Amount | Interest Rate | Disbursal |
|---|---|---|---|
| Fixed Deposit (FD) | Up to 80% of FD value | FD Int. Rate + 2% | Same Day |
| Cash Certificate (CC) | Up to 80% of CC value | CC Int. Rate + 2% | Same Day |
| Recurring Deposit (RD) | Up to 80% of RD Paid Amount | RD Int. Rate + 2% | Same Day |
* The applicable interest rate is 2% above the deposit rate. Rates are indicative. Contact your branch for details.
Your Deposit. Your Lifeline.
Access funds instantly without breaking your savings at NSDR Nidhi.