FD Loan Interest Rate and Charges – Rohini Financial Services
A Loan Against Fixed Deposit (FD Loan) is one of the most cost-effective borrowing options available. Since your FD acts as security, you can enjoy lower interest rates, minimal charges, and fast approvals — making it a smart way to access cash without disturbing your savings.
💰 FD Loan Interest Rates
Starting Interest Rate: FD rate + 1% per annum
Maximum Interest Rate: FD rate + 2% per annum
Type of Interest: Fixed or reducing balance basis, depending on the lender
Loan Amount: Up to 90% of the FD value
Tenure: Until the FD maturity date
Example:
If your FD earns 7% interest, the FD Loan rate may range from 8% to 9% per annum — significantly lower than personal or business loans.
📄 Other Applicable Charges
| Charge Type | Details |
|---|---|
| Processing Fee | 0.5% – 1% of the loan amount (one-time, nominal) |
| Documentation Charges | Minimal or NIL (depending on lender policy) |
| Prepayment Charges | Nil – you can repay anytime without penalty |
| Late Payment Penalty | 2% per month on the overdue EMI amount |
| Cheque / ECS Bounce Fee | ₹500 per instance (varies by lender) |
⚙️ Factors Affecting Interest Rate
FD Interest Rate: Higher your FD rate, lower your effective loan rate difference.
FD Tenure: Longer-tenure FDs may attract better rates.
Loan Amount: Larger amounts may qualify for slightly higher margins.
Lender Policy: Rates may vary across partner banks and NBFCs.
Repayment Type: EMI-based or overdraft facility may have slight rate variations.
🌟 Why Choose Rohini Financial Services
Low-margin FD loan interest rates
Transparent and fair charges
Quick loan approval & disbursal
No hidden costs or processing delays
Expert loan advisors for better rate negotiation
🚀 Get Instant Liquidity at Low Cost
Unlock your Fixed Deposit’s value and access funds without breaking your savings.
Apply for an FD Loan through Rohini Financial Services and enjoy low interest, flexible repayment, and zero stress.
📞 Call Us Today or 💻 Apply Online to get a personalized FD Loan quote instantly.