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Loan Product · Loan Against Deposit
Access funds without breaking your FD/RD — continue earning interest, quick disbursal, no extra collateral.
The Loan Against Deposit facility offered by Dnyankrupa Multistate Co-operative Credit Society Ltd. allows deposit holders to access funds quickly without breaking their savings. Members can take a loan against their Fixed Deposit (FD) or Recurring Deposit (RD) while continuing to earn interest on their deposit.
This facility is ideal for individuals who need immediate financial support but do not want to prematurely withdraw their investments. By availing a loan against deposit, members can maintain their savings while fulfilling urgent financial requirements.
The Loan Against Deposit facility provides quick financial support with simple procedures.
This facility ensures that members can access funds while keeping their investment intact.
Loan tenure same as remaining tenure of the FD. This structure allows borrowers to repay the loan conveniently while maintaining their deposit investment.
Rate of Interest
Deposit ROI + 1% to 2% additional
Handling Charges
Nil or minimal. No prepayment charges.
Members can keep their deposit active while receiving funds.
Loan processing is fast because the deposit itself acts as security.
The deposit serves as collateral, eliminating the need for extra security.
Loan tenure matches the remaining deposit tenure, making repayment convenient.
The Loan Against Deposit facility is available for:
To apply for a Loan Against Deposit, the following documents are required:
These documents help verify deposit ownership and process the loan smoothly.
