No Need to Break Your DepositUp to 90% of deposit principal
Loan Against Deposit
Immediate liquidity against your FD or RD without breaking your investment or losing interest.
Interest Rate: Deposit Rate + 2.00%
•Maximum Advance: Up to 90% of deposit principal
•Disbursal: Same Day Disbursal
Why Choose Loan Against Deposit?
Breaking a fixed deposit prematurely results in lower interest rates and penal deductions. A Loan Against Deposit provides instant liquidity while keeping your original deposit certificate active and earning full compounding interest.
Avail up to 90% of your Fixed or Recurring Deposit value
Your original deposit keeps accumulating interest normally
Zero CIBIL requirement; secured by your own deposit
Simple, single-page application procedure
Available for both Fixed Deposit (FD) and Recurring Deposit (RD) accounts.
Flexible repayment options through lump-sum settlement or monthly installments.
Terms & Guidelines under Nidhi Rules
- Loan facility is available exclusively to the primary holder of the active deposit.
- Original deposit receipt/certificate is pledged with BSL Nidhi Limited during the loan period.
- Interest rate charged is only 2.00% above the underlying deposit interest rate.
- The tenure of the loan will not exceed the maturity date of the pledged deposit.
- Upon full repayment of loan principal and interest, the original deposit receipt is released.
Apply for Loan on Deposit
Carry your active FD/RD receipt to our branch or connect with your relationship manager for instant disbursal.
Deposit Loan FAQs
Learn more about margin requirements, interest adjustment at maturity, and joint accounts.
View All FAQs