Specialised
Loan Against Fixed Deposit
Borrow up to 90% of FD value at 1–2% over FD rate.
- Interest rate
- FD rate + 1% – 2%
- Loan amount
- Up to 90% of FD
- Tenure
- Linked to FD maturity
- Processing fee
- Usually nil
Indicative figures only. The final amount, interest rate and tenure are subject to lender eligibility, property valuation, cash flow and credit policy. Approval is decided by the lender.
Eligibility
- Own / joint FD holder
Documents required
- FD receipt
- Lien letter
Best for: Low-cost emergency credit priced off your deposit rate; preserves FD compounding & tax planning.
Insider tip: Take OD (not term loan) — pay interest only on amount drawn.
Why apply through Moneymax Fingrow
- Founders with 19+ years of banking and NBFC experience; ₹1,048 Cr+ disbursed since 2017.
- 48+ banks & NBFCs compared in a single application.
- Doorstep document pick-up across Chennai, Bengaluru, Hyderabad and Mumbai.
- Transparent fees, lowest negotiated rates, end-to-end handholding till disbursal.
Free 2026 rate guide
MSME Loan Interest Rates 2026: 48+ Banks & NBFCs Compared
See which lender gives your business the cheapest money — from 8.5% p.a., approval in 48 hours.
Comparing facilities rather than one product? Our business loan and MSME funding guide sets out working capital finance, overdraft, cash credit, term loan and loan against property side by side.
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