Loan Against Deposit
Borrow Instant Funds,
Keep Interest Growing.
Avail up to 80% to 90% loan against your active Fixed, Recurring, or MIS Deposits without breaking your investment maturity.
Up to 90% of Deposit
Loan Limit
12% p.a.
Interest Rate
Up to 10 Years
Tenure
Deposit Lien
Security
Our Offerings
Current Deposit Loan Schemes
Borrow against your deposits without breaking them.
400 DAYS
Legacy 400 Days
Long Term Financing
Approval: Same-day Processing
Max Tenure: 120 Months
Security: Deposit Lien
Interest Rate (Flat)
12.0%
per annum
Product Advantages
Key Features & Benefits
Preserve Deposit Interest
Avoid premature liquidation of your Term/FD deposit and continue earning full maturity interest benefits.
High Loan Quantum
Borrow up to 80% to 90% of the accumulated deposit value instantly.
Low Interest Spread
Enjoy minimal interest markup over your underlying deposit scheme interest rate.
Zero CIBIL / Income Checks
No financial statements or income verification needed since your loan is fully backed by your deposit.
Flexible Repayment
Pay interest monthly or adjust loan balance at deposit maturity.
Instant Paperless Sanction
Quick processing for active account holders with minimal paperwork.
Nidhi Deposit Loan Rules
- Deposit loans are governed strictly under Nidhi Rules issued by the Ministry of Corporate Affairs.
- Loan tenure cannot exceed the remaining maturity duration of the underlying deposit.
- The original deposit receipt remains lien-marked with the company until loan clearance.
- Loan against savings account is strictly not permitted under Nidhi company regulations.
Minimal Paperwork
Required Documents
Simple 2-step verification using your existing Nidhi deposit receipt.
Member Verification
- Original Nidhi Deposit Receipt (FDR / RDR / MIS Certificate)
- Member ID Card
- Aadhaar Card copy for signature verification
Lien & Loan Application
- Prescribed Nidhi Deposit Loan Application Form
- Lien Authorization letter on deposit receipt
- Bank account details / cancelled cheque for instant disbursement