Loans against deposits

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Product and bank⇅	Eligible collateral⇅ Filter Eligible collateral DDeposit-backed Matches any selected option	Interest rate⇅ Filter Interest rate %Below 7%	Finance available⇅ Filter Finance available ₹Above ₹1 crore	Margin / LTV⇅	Maximum tenure⇅ Filter Maximum tenure ◷5–10 years	Processing fee⇅	Facility / channels⇅ Filter Facility / channels ↗Online▣Mobile appBBranch Matches any selected option
SBI Loan Against Time DepositState Bank of India	At branches: eligible SBI TDR, STDR, recurring, NRE, NRO and FCNR(B) deposits online: single-name TDR or STDR issued through YONO or Internet Banking	Domestic and NRE/NRO deposits: 1.00% above the rate paid on the pledged deposit FCNR(B) INR loan: one-year MCLR plus 2.90%	Up to 90% of deposit value online overdraft minimum ₹5,000 and maximum ₹5 crore	Minimum 10% up to five years or remaining deposit maturity demand loans over five and up to ten years require at least 15%	Demand loan: remaining deposit maturity or 120 months, whichever is earlier overdraft: five years or remaining deposit maturity, whichever is earlier	Zero processing charges and no prepayment penalty	Branch demand loan or overdraft YONO and Internet Banking offer overdraft only against qualifying digitally issued single-name TDR or STDR deposits
SBI NRI Loan Against DepositsState Bank of India	NRO TDR, STDR or RD NRE TDR, STDR or RD or FCNR(B) TDR or STDR	1.00 percentage point above the rate paid on the pledged time deposit, irrespective of loan amount	Not published	Not published	Rupee facility: up to remaining deposit maturity FCNR(B)-backed foreign-currency loan: 1, 2 or 3 years or remaining maturity, with a one-year minimum	Not published	Not published
SBI NRI Online Overdraft Against DepositsState Bank of India	Not published	1.00 percentage point above the interest payable on the fixed deposit	₹5 crore	Not published	TDR/eTDR: 3 years or remaining maturity, whichever is lower STDR/eSTDR: 5 years or remaining maturity, whichever is lower	Not published	Not published

Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.