Loan against FD calculator

Most banks lend up to 90% of FD value (some only 75%) at FD rate + 1–2%. No income proof. The FD keeps earning interest. Cheaper than breaking the FD if you only need money for a short while.

Available loan limit
₹0
Loan rate
0%
EMI
₹0
Total interest payable
₹0
FD interest earned during loan
₹0
Net cost (loan − FD interest)
₹0
Effective net rate
0%

When loan-against-FD makes sense

  • You need money for < 6–12 months and don't want to break a high-rate FD.
  • You're a senior/student/homemaker without income proof for an unsecured loan.
  • You want to preserve the FD for 80C / lock-in benefits.

If you'll need the money for years, breaking the FD or a personal loan may work out cheaper depending on FD rate and personal-loan rate.