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Borrow Against Your FD, Keep the Interest
Instant overdrafts up to 90–95% of FD value at just 0.5–1% over your deposit rate — the cheapest credit line in Indian banking.
Funding Amount
₹1 Lakh – ₹50 Cr
Approval Timeline
Same day
Pricing
FD rate + 0.5–1%
About Loan Against Fixed Deposits
Breaking an FD forfeits accrued interest and often incurs penalties; borrowing against it costs just 0.5–1% over the deposit rate while the FD keeps earning. For short-term needs, no cheaper institutional credit exists.
LOANYARD CAPITAL uses FD-backed lines within larger structures too: margin for LCs and bank guarantees, liquidity bridges during property transactions, and business ODs where fixed deposits sit idle on the balance sheet.
Key Benefits
Who Should Apply
- Depositors needing short-term funds
- Businesses with FDs as idle treasury
- Firms optimising LC/BG margin structures
- Families bridging timing gaps
Eligibility
- FD with the lending bank (or transferable)
- KYC of depositor(s)
- Joint-holder consent where applicable
- FD not already under lien
Documents Required
- KYC of promoters and business entity
- Last 2–3 years financial statements / ITRs
- Last 12 months bank statements
- GST returns where applicable
- Existing loan sanction letters and repayment track
- Requirement-specific documents (we guide you)
Industries Served
Our Process
Consultation
We understand your requirement, financials and timelines.
Structuring
Our analysts prepare a lender-grade proposal.
Placement
Competitive placement across best-fit lenders.
Negotiation
Amount, pricing, tenure and covenants negotiated.
Disbursement
Documentation to disbursal, managed end to end.
Why LOANYARD CAPITAL
15+ Years
Advisory Experience
500+
Corporate Clients
100+
Lending Relationships
Pan-India
Coverage