Loans against deposits

Search products and banksBankAll banksBank of BarodaBank of MaharashtraCanara BankIndian BankPunjab National BankState Bank of IndiaExpand all

15 products

Product and bank⇅	Eligible collateral⇅ Filter Eligible collateral HProperty security1DDeposit-backed4 Matches any selected option	Interest rate⇅ Filter Interest rate %Below 7%3%7–9%1%9–12%1	Finance available⇅ Filter Finance available ₹Up to ₹5 lakh3₹Above ₹1 crore2	Margin / LTV⇅ Filter Margin / LTV %Below 7%1	Maximum tenure⇅ Filter Maximum tenure ◷Up to 1 year3◷1–5 years5◷5–10 years2◷Above 10 years1	Processing fee⇅ Filter Processing fee 0Nil / no fee7%Percentage-based fee1₹Flat rupee fee4+GST / tax additional1 Matches any selected option	Facility / channels⇅ Filter Facility / channels ↗Online1▣Mobile app1BBranch1 Matches any selected option
Baroda Advance Against Securities( Life Insurance Policies)Bank of Baroda	Value awaiting review	Demand/term 9.65% p.a. overdraft 9.90% p.a. (BRLLR + SP +1.50% / +1.75%).	No ceiling the FAQ states up to 80%–85% of the policy surrender value. Minimum ₹3,000 for term/demand loan and ₹20,000 for overdraft.	Value awaiting review	Loan up to 60 months overdraft 12 months subject to annual review.	₹500 no other charges staff/ex-staff nil.	Value awaiting review
Baroda Advance Against Securities (National Savings Certificate)Bank of Baroda	Value awaiting review	Demand/term: higher of 1.00% above the NSC rate or BRLLR + Strategic Premium + 1.50% p.a. overdraft: higher of 1.25% above the NSC rate or BRLLR + Strategic Premium + 1.75% p.a. staff: 0.50% above the NSC rate. The current effective-rate cells show a dash.	Public borrowers: no individual ceiling is stated. Staff: up to five times gross salary. Minimum facility: ₹3,000 for term/demand or ₹20,000 for overdraft.	Value awaiting review	Value awaiting review	₹500 + GST.	Value awaiting review
Baroda Loan against Future Rent Receivable (Retail Segment)Bank of Baroda	Assignment of future rent and mortgage of the leased property with 1.25× security cover a debt-service reserve account and escrow account must be maintained with Bank of Baroda.	Up to 10 years: floating 10.15% or fixed 12.15% p.a. above 10 years: floating 10.40% or fixed 12.40% p.a. 25-basis-point concession for premises leased to Bank of Baroda.	The service-charge schedule identifies the retail Future Rent Receivables facility as covering loans up to ₹100 crore the product page does not publish a separate universal sanction cap. ↑	Value awaiting review	Longer repayment period up to 15 years.	1.00% without cap, minimum ₹1,000 escrow ₹10,000 per year up to ₹10 crore and ₹25,000 per year above ₹10 crore.	Value awaiting review
Loan Against FCNR (B) Deposits in Foreign Currency in IndiaBank of Baroda	Value awaiting review	Higher of (FCNR(B) deposit rate + 1.50% p.a.) or (six-month LIBOR + 1.50% p.a.) LIBOR is no longer published and BOB gives no replacement.	Up to 95% of the present value of the FCNR(B) deposit.	5% of the present value of the FCNR(B) deposit.	Value awaiting review	Nil	Value awaiting review
Loans Against FCNR (B) Deposits in RupeesBank of Baroda	Value awaiting review	Own depositor: 9.75% p.a. reference rate. Third party: up to ₹2 lakh, 9.75% above ₹2 lakh, 11.75% for personal use or 12.75% for business use. Calculated from the published MCLR spreads using 1-year MCLR of 8.75% effective 12 September 2026 these are reference calculations, not a borrower-specific quote.	Depositor’s own advance: up to 90% of present deposit value, with no separate RBI ceiling. Third-party advance: up to 80% of deposit value or ₹100 lakh, whichever is lower.	10% for the depositor’s own advance 20% for a third-party advance.	Value awaiting review	Nil	Value awaiting review
Loans/Overdrafts Against Security of Non-Resident (Rupee) Fixed DepositsBank of Baroda	Value awaiting review	Value awaiting review	No RBI-prescribed ceiling usual margin requirements apply.	Value awaiting review	Value awaiting review	Nil	Value awaiting review
Bank of Maharashtra Loan Against DepositBank of Maharashtra	Value awaiting review	Value awaiting review	Up to 90% of the eligible fixed deposit's value no universal rupee cap is published.	Value awaiting review	Flexible repayment is published, but no universal numeric maximum tenure appears on the current product page or rate schedule.	Nil processing fee and zero documentation required for the published digital journey.	Value awaiting review
Canara My MoneyCanara Bank	Value awaiting review	Value awaiting review	₹50,000 minimum and ₹10 lakh maximum existing customers may borrow up to 75% of the online term-deposit limit.	Value awaiting review	Bullet repayment is due one day before the maturity date of the online term deposit.	Nil processing charges.	Value awaiting review
Loan/OD/Credit Card against DepositIndian Bank	Value awaiting review	For term loan and overdraft, 1 percentage point above the applicable interest rate on the pledged term deposit. The credit-card facility does not have a separate rate stated on this page. ↓	Online mode: lower of 90% of the deposit value and ₹10 lakh. Branch mode: up to 90% of the accrued deposit value, with a 10% margin the facility cannot run beyond deposit maturity.	Value awaiting review	Branch term-loan repayment is flexible but cannot extend beyond the maturity date of the pledged term deposit. The online page does not state a separate instalment tenor.	Value awaiting review	Value awaiting review
PNB Advance against FCNR(B) DepositPunjab National Bank	The FCNR(B) deposit is the security. PNB says the lien must be noted and the depositor's signature verified advances can be extended at any PNB branch.	PNB lists rupee loans against FCNR at RLLR+BSP or MCLR for the depositor, and the same benchmark plus 1 percentage point for a third-party deposit. Foreign-currency loans against FCNR/NRE in India are priced case by case by Treasury. ↓	Deposit-backed margin is 10%–30% by remaining maturity for a depositor advance, and 20%–30% for a third-party deposit advance. No fixed rupee ceiling is stated.	For an advance to the FCNR(B) depositor: 10% with up to 1 year remaining, 20% with over 1–2 years, and 30% with over 2 years. For a third-party deposit: 20% up to 2 years remaining and 30% over 2 years.	1–5 years, or as per the terms and conditions at sanction.	Value awaiting review	Value awaiting review
PNB e-OD Against Fixed DepositPunjab National Bank	Value awaiting review	Applicable interest rate on the linked FDR plus 1 percentage point PNB's example shows a 6.00% FDR producing a 7.00% e-OD rate.	₹25,000 minimum and ₹50 lakh maximum per customer, after maintaining the applicable FDR margin.	Value awaiting review	Maximum advance period is the residual maturity period of the linked fixed deposit the overdraft auto-closes on the FDR maturity date.	No processing or documentation charges.	Value awaiting review
SBI Assured Car LoanState Bank of India	SBI fixed deposit covering 100% of the vehicle's on-road price, with charge created in favour of the bank	8.40%–9.35% (fixed at disbursement)	Minimum ₹1 lakh no published maximum	Value awaiting review	36 to 84 months	Nil	Value awaiting review
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/RD NRE TDR/STDR/RD or FCNR(B) TDR/STDR. SBI marks a lien on the underlying deposit for a deposit-backed loan.	NRO/NRE rupee loan: 1.00 percentage point above the pledged time-deposit rate. FCNR(B)-backed rupee loan: 2.90 percentage points above one-year MCLR. FCNR(B)-backed foreign-currency loan: 150 basis points above the applicable FCNR(B) deposit rate.	No absolute rupee ceiling is stated for the branch facility. SBI's current branch-level page and NRE/NRO pages say lending may reach 90% of deposit value (the NRE/NRO pages include accrued interest). The NRI-specific table instead publishes margin schedules that can imply different advance percentages, including 95% at a 5% margin. SBI does not explain how the 90% cap and maturity-based NRI schedules interact confirm the applicable drawable percentage with the branch.	Value awaiting review	Rupee loans run up to the remaining maturity of the pledged deposit. An FCNR(B)-backed foreign-currency loan may run for 1, 2 or 3 years or the deposit's remaining maturity, whichever is applicable SBI specifies a one-year minimum.	₹0 — SBI states zero processing charges for the branch-level Loan Against Time Deposit facility, which expressly includes NRE/NRO and FCNR(B) deposits.	Value awaiting review
SBI NRI Online Overdraft Against DepositsState Bank of India	Value awaiting review	1.00% above the interest payable on the underlying fixed deposit. ↓	₹5 crore	Value awaiting review	TDR/eTDR: up to 3 years or the remaining fixed-deposit maturity, whichever is lower. STDR/eSTDR: up to 5 years or remaining maturity, whichever is lower.	Value awaiting review	Value awaiting review

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.