Loans against deposits

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6 products

Product and bank⇅	Eligible collateral⇅ Filter Eligible collateral DDeposit-backed3 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 lakh2	Margin / LTV⇅	Maximum tenure⇅ Filter Maximum tenure ◷1–5 years4◷5–10 years2	Processing fee⇅ Filter Processing fee 0Nil / no fee2 Matches any selected option	Facility / channels⇅ Filter Facility / channels ↗Online1▣Mobile app1BBranch1 Matches any selected option
Bank of Maharashtra Loan Against DepositBank of Maharashtra	Not published	Not published numerically on the current LAD product page or current retail-rate schedule the page describes the rate as lower than traditional personal loans.	Up to 90% of the eligible fixed deposit's value no universal rupee cap is published.	Not published	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.	Not published
Loan/OD/Credit Card against DepositIndian Bank	Not published	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.	Not published	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.	The reviewed online and branch product tables do not state a separate processing fee for this deposit-backed facility.	Not published
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	8.70% to 9.85% p.a.	Minimum ₹1 lakh no published maximum ↑	Not published	36 to 84 months	Nil	Not published
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	No maximum limit stated in the product table	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 on the reviewed SBI NRI Loan Against Deposits page or its linked rate table. The product page lists the facility, deposit security, margins and repayment but no processing-fee amount or waiver.	Not published
SBI NRI Online Overdraft Against DepositsState Bank of India	Not published	1.00% above the interest payable on the underlying fixed deposit.	₹25,000 minimum and ₹5 crore maximum the overdraft limit is 75% of a TDR/eTDR deposit or 90% of an STDR/eSTDR deposit.	Not published	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.	Not published on the reviewed SBI NRI Online Overdraft Against Deposits page or linked rate table. The page states deposit limits, interest, tenure and eligibility but no processing-fee amount or waiver.	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.