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How much money can SBI customers borrow against FD? Interest rate, other deets
Loan against FD: How much money can SBI customers borrow against their Fixed Deposit? Interest rate, other details EXPLAINED
Though loan options are galore, sometimes you could be split between choosing the right one and the most appropriate one. From home loan, auto loan, to personal loan --the choice of loan in each category is defined.
New Delhi: Though loan options are galore, sometimes you could be split between choosing the right one and the most appropriate one. From home loan, auto loan, to personal loan --the choice of loan in each category is defined.
However there is another loan, which can be availed by you whenever you desire or need. Several banks offer loan against Time Deposit. State Bank of India (SBI) also offers loan against Time Deposit without breaking your Time Deposit.
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Customers can avail Loan up to 90% of the value of their Time Deposit.
Both Demand Loan and Overdraft Facility as per your need (Only Demand Loan facility is available against non-callable deposits)
Low interest rates. Interest charged on a daily reducing balance
Zero processing charges
No prepayment penalties.
Min amount of Loan (For Online Overdraft against Fixed Deposit): Rs 5000
Max amount of Loan (For Online Overdraft against Fixed Deposit): Rs 5 Crore
For both Demand Loans and Overdrafts: Minimum 10% up to 5-years of loan tenure or remaining maturity period of the deposit whichever is earlier.
For Demand Loans: For loan tenure of more than 5-years and up to maximum of 10 years or remaining maturity period of the deposit whichever is earlier, minimum margin will be 15%.
Security Lien on underlying Time Deposit
Type of loan: Demand Loan& Overdraft
Interest Rate: 1% above the relative time deposit rate
Through YONO and INB channels: Only overdraft facility is available.( Only against TDR/STDR issues through YONO/INB Channels)
At Branches: Both Demand Loan and overdraft facility are available.
SBI Time Deposit loan Eligibility
Through Branches: Customers (Single/ Joint Account Holder) holding SBI’s TDR/STDR / RD / including NRE/NRO/ and FCNR(B) Deposits can avail this loan.
Through INB and YONO platform: Only overdraft facility by Single Account Holder against TDR and STDR (issued through INB/ YONO Channel)
At present, joint account holders are not being offered this facility.
Demand Loan: Repayment tenure for DL is remaining maturity period of the deposit or 120 months whichever is earlier. Demand Loan account is liquidated at the time of maturity of Time Deposit if not repaid by the customer.
Overdraft: Maximum up to 5 years or remaining maturity period of the deposit whichever is earlier. OD limit can be renewed (by visiting branch) after the expiry of the existing term. Only overdraft accounts opened through branches can be further renewed. Overdraft account availed through YONO and INB channels has to be liquidated at the time of maturity of Time Deposit if not repaid by the customers.
Source: ZeeNews
Related Posts: SBI, state bank of india, fd, fixed deposit,SBI, State Bank of India, FD, Fixed Deposit
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