Personal, home, vehicle & other loans

Loan Against Time Deposit

A demand loan or overdraft of up to 90% of an eligible deposit, with deposit-relative pricing, zero processing charges and no published prepayment penalty.

Current rate formulaDomestic and NRE/NRO deposits: 1.00% above the rate paid on the pledged deposit; FCNR(B) INR loan: one-year MCLR plus 2.90%Maximum financeUp to 90% of deposit value; online overdraft minimum ₹5,000 and maximum ₹5 crore Maximum amountOnline overdraft against an eligible fixed deposit: up to ₹5 crore. The official page does not publish a specific branch-level maximum limit.

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✓ Manually checked 13 Aug 2026 · active

Offered byState Bank of India

branches, with eligible digitally issued single-name or deposits also supported through and Internet Banking

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Eligible collateralAt branches: eligible SBI TDR, STDR, recurring, NRE, NRO and FCNR(B) deposits; online: single-name TDR or STDR issued through YONO or Internet BankingView source

Only a demand loan is available against non-callable deposits.

Source: Loan Against Time Deposit
Page / section: Eligibility and Channels
Accessed: 13 Aug 2026
Confidence: high

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Maximum financeUp to 90% of deposit value; online overdraft minimum ₹5,000 and maximum ₹5 croreView source

Available finance is constrained by deposit value, margin and remaining maturity.

Source: Loan Against Time Deposit
Page / section: Features — amount
Accessed: 13 Aug 2026
Confidence: high

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Current rate formulaDomestic and NRE/NRO deposits: 1.00% above the rate paid on the pledged deposit; FCNR(B) INR loan: one-year MCLR plus 2.90%Effective 15 Aug 2025View source

The exact domestic or / rate depends on the pledged deposit rate; the page states one-year was 8.70% for (B) pricing.

Source: Loans Against Securities and Bank Time Deposits — Rate of Interest
Page / section: Loan Against Bank Time Deposit rate table
Accessed: 13 Aug 2026
Confidence: high

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Published marginMinimum 10% up to five years or remaining deposit maturity; demand loans over five and up to ten years require at least 15%View source

The remaining maturity of the deposit can shorten the available loan period.

Source: Loan Against Time Deposit
Page / section: Features — Margin
Accessed: 13 Aug 2026
Confidence: high

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Maximum repayment periodDemand loan: remaining deposit maturity or 120 months, whichever is earlier; overdraft: five years or remaining deposit maturity, whichever is earlierView source

If not repaid, the facility is liquidated at deposit maturity under the published terms.

Source: Loan Against Time Deposit
Page / section: Repayment
Accessed: 13 Aug 2026
Confidence: high

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Processing and prepayment chargesZero processing charges and no prepayment penaltyView source

Other incidental or legal charges are not inferred from this statement.

Source: Loan Against Time Deposit
Page / section: Features
Accessed: 13 Aug 2026
Confidence: high

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Facility and channelsBranch demand loan or overdraft; YONO and Internet Banking offer overdraft only against qualifying digitally issued single-name TDR or STDR depositsView source

Joint holders are supported at branches but not on the published digital route.

Source: Loan Against Time Deposit
Page / section: Channels and Eligibility
Accessed: 13 Aug 2026
Confidence: high

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Loan typeSecured loan against investments or depositView source

The official product name identifies this as “ Loan Against Time Deposit”.

Source: Loan Against Time Deposit — official product page
Page / section: Official product name and loan classification
Accessed: 13 Aug 2026
Confidence: high

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PrepaymentNo prepayment penalties.Effective 17 Oct 2025View source

The Features section explicitly states zero prepayment penalties.

Source: Loan against Time Deposit — official product page
Page / section: Features
Accessed: 29 Aug 2026
Confidence: high

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TenureDemand loan: remaining deposit maturity or 120 months, whichever is earlier; overdraft: five years or remaining deposit maturity, whichever is earlierView source

If not repaid, the facility is liquidated at deposit maturity under the published terms. This is the issuer-published maximumTenure value shown under the comparison field “Tenure”.

Source: Loan Against Time Deposit
Page / section: Repayment — comparison field: Tenure
Accessed: 13 Aug 2026
Confidence: high

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Maximum amountOnline overdraft against an eligible fixed deposit: up to ₹5 crore. The official page does not publish a specific branch-level maximum limit.Effective 17 Oct 2025View source

Features and 6 state that the maximum online overdraft limit against fixed deposits is ₹5 crore and that branch advances have no specific loan limit.

Source: Loan Against Time Deposit — official product page
Page / section: Features — Max amount; 6
Accessed: 14 Sept 2026
Confidence: high

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BenchmarkMCLR plus 2View source

The manually reviewed product record states: “Domestic and / deposits: 1.00% above the rate paid on the pledged deposit; (B) loan: one-year plus 2.90%”.

Source: Loan Against Time Deposit — official product page
Page / section: Published product metadata
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Finance up to 90% of eligible deposit value
Deposit remains in place as security
Demand-loan and overdraft options at branches
Zero processing charges
No published prepayment penalty

Eligibility

The deposit is placed under lien and may be liquidated if the loan is not repaid by maturity.
Digital access is limited to qualifying single-name or deposits issued through or Internet Banking.
Non-callable deposits support demand loan only.
The rate changes with the pledged deposit rate or relevant benchmark.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Eligible deposit evidence
account and records
Branch loan and lien documents where the facility is not opened digitally

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Parameter

Eligible security · Published detail , , recurring, , and (B) deposits; online access is for a qualifying single-name / issued through or Internet Banking.

This value is copied from Loan Against Time Deposit — published terms. Check the table notes before relying on it.

Source: Loan Against Time Deposit — State Bank of India · Eligibility and Channels; Features; Margin; Repayment; linked Loan Against Securities rate table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 9 rows · 2 columnsSBI Loan Against Time Deposit — published termsEligibility, security, margin, amount, pricing, tenure and charges from SBI's current product page and linked rate table.View tableHide table

Scroll sideways to view every column

SBI Loan Against Time Deposit — published terms
Parameter	Published detail
Eligible security	, , recurring, , and (B) deposits; online access is for a qualifying single-name / issued through or Internet Banking.
Facility	Branch demand loan or overdraft; and Internet Banking offer overdraft only against qualifying digital single-name / deposits.
Maximum finance	Up to 90% of deposit value; online overdraft ₹5,000 minimum and ₹5 crore maximum.
Interest rate	Domestic and / deposits: 1.00 percentage point above the rate paid on the pledged deposit. (B) loan: one-year plus 2.90%.
Margin	At least 10% up to five years or remaining deposit maturity; demand loans over five and up to ten years require at least 15%.
Tenure	Demand loan: remaining deposit maturity or 120 months, whichever is earlier. Overdraft: five years or remaining deposit maturity, whichever is earlier.
Processing / prepayment	Zero processing charges and no prepayment penalty.
Income requirement	No income threshold published; eligibility is based on holding a qualifying deposit.
	Not published as a separate ; publishes deposit-linked interest conditions instead.

Loan Against Time Deposit — State Bank of India · Eligibility and Channels; Features; Margin; Repayment; linked Loan Against Securities rate table · accessed 31 Aug 2026Open official source ↗

Loan Against Time Deposit

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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