Loan Against Securities And Consumer Durable Loans

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Loan Against Securities And Consumer Durable Loans

Loan Against Securities And Consumer Durable Loans

Loans Against Securities & Loan Against Bank Time Deposit (TDR/STDR) / FCNR(B) Deposit – Rate Of Interest (w.e.f. 15.08.2025)

I. Loans Against Securities

Scheme 1- year MCLR Spread over 1 year MCLR Effective Interest Rate
Loan against NSC/ KVP 8.70% 2.50% 11.20%
Loan against Insurance Policies of LIC/ Dept. of Post Offices/India Post/SBI Life/ ICICI Prudential/ HDFC Standard
Loan against Mutual Fund Units 8.70% 1.25% 9.95%
Loan against Sovereign Gold Bond (SGB) 8.70% 2.00% 10.70%

II. LOAN AGAINST BANK TIME DEPOSIT (TDR/STDR) / FCNR (B) DEPOSIT

Loan against Bank’s Time Deposits (Domestic) 1.00% over the rate of interest paid on the relative Time Deposits offered as security irrespective of the loan amount.
Loan against NRO/NRE Fixed Deposits 1.00% over the rate of interest paid on the relative Time Deposits offered as security irrespective of the loan amount.
Loan against FCNR (B) Deposit 2.90% over 1 year MCLR (presently 1 year MCLR is 8.70%).

Last Updated On : Tuesday, 16-12-2025

Interest Rates

7.25%* p.a. onwards

w.e.f. 01.04.2026

*T&C Apply.

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