Loan against FD

  • Fixed Deposit
  • 6 Months ago
  • Comments
bonds-vs-fixed-deposit

Loan Against FD

We have all faced financial exigencies or a cash crunch when we need to harness our financial resources quickly. We resort to several mechanisms to raise cash, including breaking our fixed deposits to garner liquidity. But breaking fixed deposits results in the imposition of a penalty which reduces the cash resources available to us. The bank pays us interest at a much lower rate than the rate we entered into the FD.

Alternative solutions do not require anything as drastic as breaking a fixed deposit. You can opt for a loan against a fixed deposit.

In a loan against a fixed deposit, you are allowed to borrow against the security of your fixed deposit. The deposit is under lien to the lending institution until the loan exists. There are easy interest terms that include lower borrowing rates of interest compared to the market interest rates for loans. Also, the fixed deposit stays intact for the duration of the loan.

The advantages of a loan against a fixed deposit include the following:
  • A secured loan against the collateral of the fixed deposit.
  • Interest is charged only on the portion of the loan borrowed.
  • The interest rate is much lower than the market interest rate for a similar loan. The interest rate on a loan will be higher than the fixed deposit rate, with a spread varying typically from 2% to 5%.
  • The loan interest rate against FD is lower than the market interest rate on loans by 2% - 2.5% p.a. Because of the lower interest rate, the equated monthly instalments on the loans are also lower.
  • Loans offered are up to 90% - 95% of the fixed deposit amount. Loans are never offered for the full amount of the deposit. So the fixed deposit constitutes an upper ceiling against the loan as the loan amount can never exceed it.
  • The loan so approved against the pledge of the fixed deposit is known as a demand loan.
  • There are no processing fees for loans against fixed deposits.
  • As you avoid breaking your fixed deposit, no penalties are levied and lower interest playouts are made.
  • The paperwork required is also minimal. You don’t have to submit employment certificates, salary certificates, IT returns, etc. Your fixed deposit serves as adequate collateral or security for the loan.
  • Your eligibility is not assessed using CIBIL scores or any other credit score. Your fixed deposit alone is enough assurance of repayment of the loan. This offers a good option for people with poor credit scores to borrow.
  • There are no prepayment fees or other fees charged on the loan transaction. In fact, the bank or the lending institution benefits as it charges a spread over the FD interest and does not have to pay interest on the loan.
  • The excess loan interest (spread) is only charged on the loan amount taken against a fixed deposit.
Qualifications for obtaining a loan against FD

All categories of borrowers can borrow against offering the pledge of their fixed deposits. Minors and those who have invested in 5-year tax-saving deposits cannot avail of this facility.

Both residents fixed deposit holders and NRI deposit holders can avail of loans against fixed deposits.

Hindu undivided families, family trusts, partnerships, societies, and companies can all pledge fixed deposits.

Repayment of the loan against a fixed deposit

The loan can be repaid in either instalments or a fixed lump sum. The only pre-condition is that the loan has to be repaid before the maturity of the fixed deposit.

Fixed Deposit as collateral

 

As the fixed deposit is the collateral or security of the loan, in the case of maturity, if you are unable to repay the loan proceeds, the bank or the financial institution will recover the loan from the fixed deposit amount.

 

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  • Fixed Deposit

How to Explain Fixed Deposits to Millennials?

  • Feb 07 2022
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  • Fixed Deposit

10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
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  • Two Wheeler Loans

Gold Loan: Expectations Vs. Reality

  • Feb 08 2022
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  • Gold Loan

Is a Guarantor or Introducer Necessary for Availing a Gold Loan?

  • Apr 13 2021
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  • Gold Loan

How to Save Money in Fixed Deposit?

  • Apr 28 2021
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  • Fixed Deposit

Invest in Fixed Deposits: Safest and Secure way to get higher returns

  • May 04 2021
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  • Fixed Deposit

Does Shriram City provide an EMI calculator?

  • May 13 2021
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  • Business Loans

NBFC vs Bank: What makes NBFC better than banks

  • May 24 2021
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  • Two Wheeler Loans

How to keep your FD money safe through the best investment ideas

  • Sep 07 2021
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  • Fixed Deposit

How to Plan and Save for a Baby: A blog on how to save for a baby's future

  • Sep 07 2021
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  • Fixed Deposit

Choosing the Right NBFC for Your FD: A blog discussing how to choose the best NBFC's for FD

  • Sep 08 2021
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  • Fixed Deposit

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
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  • Business Loans

What is the Importance of a Fixed Deposit on Your Financial Portfolio?

  • Oct 23 2021
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  • Fixed Deposit

Is investing in Corporate FDs a good option to build your corpus?

  • Nov 25 2021
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  • Fixed Deposit

How to Buy Gold Loans on a Low Budget

  • Jan 21 2022
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  • Gold Loan

Business loans: Expectation vs Reality

  • Feb 09 2022
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  • Business Loans

Get a fixed deposit with Shriram City & boost your savings today

  • May 07 2021
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  • Fixed Deposit

Easy ways to repay the Loan against Jewellery

  • May 12 2021
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  • Gold Loan

Shriram City: One stop solution for the needs of MSMEs

  • Jun 18 2021
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  • Business Loans

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
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  • Two Wheeler Loans

How Does My Personal Credit Affect My SME Loan?

  • Oct 19 2021
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  • Business Loans

The Smoothest Way to Apply for Two-Wheeler Loans

  • Oct 27 2021
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  • Two Wheeler Loans

How To Evaluate Interest Rates And EMIs For Two Wheeler Loans

  • Oct 26 2021
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  • Two Wheeler Loans

How can students save money every month and get the highest return?

  • Dec 09 2021
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  • Recurring Deposit

Which Fixed-Income Investment Is Best for You Is Determined by Your Time Scale

  • Jan 25 2022
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  • Fixed Deposit

Gold Loan Eligibility – Everything You Need to Know

  • Apr 27 2021
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  • Gold Loan

What is your money worth: A blog about understanding FDs and how you can make the most of them

  • Sep 03 2021
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  • Fixed Deposit

Tax Indemnity for Two Wheeler Loans

  • Oct 19 2021
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  • Two Wheeler Loans

How Does An SME Loan Help In Business Growth And Expansion

  • Oct 25 2021
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  • Business Loans

Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

  • Nov 27 2021
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  • Fixed Deposit

Two Wheeler Loan: Know all about Two Wheeler Loan

  • Aug 24 2020
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  • Two Wheeler Loans

Bike Buying Guide: Factors to Consider While Buying Bike

  • Feb 27 2021
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  • Two Wheeler Loans