{"id":936,"date":"2026-05-30T04:47:55","date_gmt":"2026-05-30T04:47:55","guid":{"rendered":"https:\/\/www.creditinline.com\/blogs\/?p=936"},"modified":"2026-06-01T04:49:22","modified_gmt":"2026-06-01T04:49:22","slug":"loan-against-fixed-deposit-2026","status":"publish","type":"post","link":"https:\/\/www.creditinline.com\/blogs\/loan-against-fixed-deposit-2026\/","title":{"rendered":"Loan Against Fixed Deposit 2026: The Smart Way to Borrow Without Breaking an FD"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"936\" class=\"elementor elementor-936\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb50d1b e-flex e-con-boxed e-con e-parent\" data-id=\"eb50d1b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac1a555 elementor-widget elementor-widget-text-editor\" data-id=\"ac1a555\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you have instant cash requirements and you are facing difficulties in approval for the loan due to musltiple reasons like a lower CIBIL score, lower income and others, then, you have other options like getting a <\/span><b>loan against FD<\/b><span style=\"font-weight: 400;\">. However, there are ceratin limitation, like amount is approved based on the fixed deposit, i.e., the final approval is done upto 70 to 90 % of the Fixed deposit. Before, applying you must check the amount saved as FD and you can also consult your bank or branch. However, it might be easier if you are using mobile banking application, where all the services including banking, credit card dealing, investment, and loan are done through a single platform. With such things, you can get a personal loan against your savings.<br \/><strong>Go through our Latest Blog:- <a href=\"https:\/\/www.creditinline.com\/blogs\/compare-base-rate-and-service-charges-for-better-loans\/\">Compare Base Rate and Service Charges\u00a0<\/a><\/strong><\/span><\/p><h2><b>Steps to Apply for a Loan Against Fixed Deposit (FD)<\/b><\/h2><p><span style=\"font-weight: 400;\">The <\/span><b>Loan Against FD<\/b><span style=\"font-weight: 400;\"> is an easy way to get funds without breaking your fixed deposit and once you have repaid the loan amount as per the selected tenure, you can continue your FD as it is. Some steps to<strong><a href=\"https:\/\/www.creditinline.com\/apply-now?utm_source=blog_seo\"> apply for the loan<\/a><\/strong> are as follows.\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><p><b>Check Eligibility: <\/b><span style=\"font-weight: 400;\">Before proceeding with the loan application, you must ensure that you have an active fixed deposit with the bank or financial institution where you are applying. You must check the amount as well or you can use <\/span><b>loan against FD calculator<\/b><span style=\"font-weight: 400;\"> for getting explicit idea of amount, etc.\u00a0<\/span><\/p><\/li><li aria-level=\"1\"><p><b>Check the Loan Amount: <\/b><span style=\"font-weight: 400;\">The Banks generally offer 70% to 95% of the FD value as a personal loan, where you have to pay interest on the loan amount. Once it is completely paid, your FD remains operational and the same.\u00a0<\/span><\/p><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><p><b>Submit the Loan Application: <\/b><span style=\"font-weight: 400;\">Once you have verified your eligibility and loan amount, visit the bank branch or apply through internet banking\/mobile banking<\/span><span style=\"font-weight: 400;\">.<\/span><\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><p><span style=\"font-weight: 400;\"><strong>Fill out the Loan application form<\/strong>: As per your requirements and loan amount, fill out your application form by providing all your details, including personal and financial information.\u00a0<\/span><\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><p><b>Complete Documentation<\/b><span style=\"font-weight: 400;\">: If required, upload the documents. However, your details are already saved to the lending institutions because of your running bank account. But it can be required for the verification. Usually, minimal documentation is required, such as identity proof (Aadhaar, PAN, Passport, etc.), and the address proof (if required for the current residential verification).<\/span><\/p><\/li><\/ul><ul><li aria-level=\"1\"><p><b>Verification and Approval: <\/b><span style=\"font-weight: 400;\">Once<\/span> <span style=\"font-weight: 400;\">the loan amount is approved and verification is done, you need to check the loan agreement, especially related to the tenure and other applicable fees such as interest and processing fees.\u00a0<\/span><\/p><\/li><\/ul><ul><li aria-level=\"1\"><p><b>Receive the Loan Amount: <\/b><span style=\"font-weight: 400;\">Get the disbursal<\/span> <span style=\"font-weight: 400;\">after the verification and approval, where the loan amount is credited directly to your linked bank account.<\/span><\/p><\/li><\/ul><ul><li aria-level=\"1\"><p><b>Repay the Loan: <\/b><span style=\"font-weight: 400;\">As per the approved tenure, repay the loan amount.\u00a0<\/span><\/p><\/li><\/ul><h2><strong>Benefits of Taking a Loan Against an FD<\/strong><\/h2><p><span style=\"font-weight: 400;\">Considering the beneficial features like fast approval and competitively lower interest rates, the loan against FD can give assurance to the borrowers. However, it always depends on the amount, value of the FD, etc. Some specific benefits are as follows.\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Quick approval and disbursement<\/b><span style=\"font-weight: 400;\">: The loan application and approval process is fast, and depending on your loan amount, where loan amount is lower than fd, is approved easily.\u00a0\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lower interest rates compared to personal loans<\/b><span style=\"font-weight: 400;\">: Since it is considered a secured loan, where the loan is approved based on your fixed deposit, the interest rate can be lower compared to an unsecured loan.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Minimal documentation<\/b><span style=\"font-weight: 400;\">: The minimal documentation may be required because the lender already has your personal and financial details.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>No need to break the FD prematurely: <\/b><span style=\"font-weight: 400;\">For getting a personal loan, there is no need to break your FD because a loan is available with a lower interest rate.\u00a0\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>FD continues earning interest: <\/b><span style=\"font-weight: 400;\">Your FD interest continues if you have borrowed against it and are paying the loan amount as per the tenure.\u00a0<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">You can add the following <\/span><b>Eligibility Criteria Table<\/b><span style=\"font-weight: 400;\"> to your blog:<\/span><\/p><table><tbody><tr><td><p><b>Eligibility Criteria<\/b><\/p><\/td><td><p><b>Details<\/b><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Fixed Deposit Ownership<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">The applicant must have an active Fixed Deposit (FD) with the bank or financial institution, from where they are getting the loan.<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Minimum FD Value<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">The loan amount is generally approved based on the FD value.<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Loan Amount Eligibility<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Banks usually provide <\/span><b>70% to 95%<\/b><span style=\"font-weight: 400;\"> of the FD amount as a loan, depending on their policies.<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Age Requirement<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Applicants should meet the minimum age criteria,\u00a0 which starts from 18 years or above.<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Bank Account<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">A savings or current account with the bank can be required for loan disbursement and repayment.<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">KYC Compliance<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Applicants must complete KYC using valid identity and address proof, if required.<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Resident Status<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Resident Indians, and in some cases NRIs, can apply subject to the lender&#8217;s policy, especially based on the property value.\u00a0<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Credit Score Requirement<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">A high CIBIL score is generally not mandatory because the loan is secured against the FD.<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Documentation<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Minimal documentation is required, such as Aadhaar Card, PAN Card, Passport, or other valid KYC documents.<\/span><\/p><\/td><\/tr><\/tbody><\/table><h2><b>Conclusion\u00a0<\/b><\/h2><p><span style=\"font-weight: 400;\">Getting a personal loan against property, especially the FD is always easy, especially when you are applying for the loan within the approved limit. However, the application process and approval can take a time, especially when you go for it manually. But, depending on the amount and your FD values, it is approved and disbursed easily. It helps you get the cash easily and also to maintain the FD by getting the interest continuously.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-066b5eb elementor-align-center elementor-widget elementor-widget-button\" data-id=\"066b5eb\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.creditinline.com\/apply-now?utm_source=blog_seo\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply for Personal Loan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bc2886 elementor-widget elementor-widget-heading\" data-id=\"9bc2886\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6506242 elementor-widget elementor-widget-elementskit-accordion\" data-id=\"6506242\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a1e754cd9c06\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-6506242\">\n                        <a href=\"#collapse-d311a386a1e754cd9c06\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d311a386a1e754cd9c06\" aria-expanded=\"true\" aria-controls=\"Collapse-d311a386a1e754cd9c06\">\n                            \n                            <span class=\"ekit-accordion-title\">What is a Loan Against FD?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d311a386a1e754cd9c06\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-6506242\" data-parent=\"#accordion-6a1e754cd9c06\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">A Loan Against FD is a secured loan offered by banks and financial institutions against your Fixed Deposit. Instead of breaking your FD before maturity, you can borrow a percentage of its value and continue earning interest on the deposit.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-6506242\">\n                        <a href=\"#collapse-93994146a1e754cd9c06\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-93994146a1e754cd9c06\" aria-expanded=\"false\" aria-controls=\"Collapse-93994146a1e754cd9c06\">\n                            \n                            <span class=\"ekit-accordion-title\">How much loan can I get against my Fixed Deposit?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-93994146a1e754cd9c06\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-6506242\" data-parent=\"#accordion-6a1e754cd9c06\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Most banks offer a loan amount ranging from 70% to 95% of the FD value. The exact amount depends on the lender's policy, FD type, and deposit amount.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-6506242\">\n                        <a href=\"#collapse-9b53dd96a1e754cd9c06\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9b53dd96a1e754cd9c06\" aria-expanded=\"false\" aria-controls=\"Collapse-9b53dd96a1e754cd9c06\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the loan against FD interest rate?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9b53dd96a1e754cd9c06\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-6506242\" data-parent=\"#accordion-6a1e754cd9c06\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">The <\/span><b>loan against FD interest rate<\/b><span style=\"font-weight: 400\"> is usually lower than personal loan rates because the loan is secured by your Fixed Deposit. Generally, lenders charge a small margin above the FD interest rate.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-6506242\">\n                        <a href=\"#collapse-ecc15ad6a1e754cd9c06\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-ecc15ad6a1e754cd9c06\" aria-expanded=\"false\" aria-controls=\"Collapse-ecc15ad6a1e754cd9c06\">\n                            \n                            <span class=\"ekit-accordion-title\">How can a loan against FD calculator help me?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-ecc15ad6a1e754cd9c06\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-6506242\" data-parent=\"#accordion-6a1e754cd9c06\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">A <\/span><b>loan against FD calculator<\/b><span style=\"font-weight: 400\"> helps you estimate the eligible loan amount, interest payable, and repayment obligations based on your FD value and lender's terms. It gives you a clear idea before applying.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-6506242\">\n                        <a href=\"#collapse-d913e326a1e754cd9c06\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d913e326a1e754cd9c06\" aria-expanded=\"false\" aria-controls=\"Collapse-d913e326a1e754cd9c06\">\n                            \n                            <span class=\"ekit-accordion-title\">Does my FD continue earning interest if I take an FD against loan?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d913e326a1e754cd9c06\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-6506242\" data-parent=\"#accordion-6a1e754cd9c06\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Yes. One of the biggest benefits of an FD against loan is that your Fixed Deposit remains active and continues to earn interest while you repay the loan as per the agreed tenure.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bceb508 elementor-widget elementor-widget-text-editor\" data-id=\"bceb508\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong><em>Disclaimer:- This blog has been published only for informative purpose, especially for those who are willing to get the loan against FD. We are not facilitating the such types of loan. The customer willing to get a personal loan can visit our website where depending on eligibility, their loan amount is approved. <\/em><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If you have instant cash requirements and you are facing difficulties in approval for the loan due to musltiple reasons like a lower CIBIL score, lower income and others, then, you have other options like getting a loan against FD. However, there are ceratin limitation, like amount is approved based on the fixed deposit, i.e., [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":937,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[145,38],"tags":[146],"class_list":["post-936","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-against-fd","category-personal-loan","tag-loan-against-fixed-deposit-2026"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Loan Against Fixed Deposit 2026<\/title>\n<meta name=\"description\" content=\"Use a loan against Fixed Deposit calculator to estimate eligible loan amounts and understand repayment terms before applying for a secured loan against your FD.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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