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Loans Against Deposits

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Loans Against DepositsYou can avail a loan in Indian rupees against the security of NRE TDR / STDR or FCNR (B) deposits. The loan may be used to meet emergency financial requirements, to carry on business activities, for direct investment in India or for acquiring a flat / house in India.

You need not close the deposit prematurely, and can avail the loan:

  • At the branch where you maintain the deposit.
  • As an overdraft or as a demand loan.
  • For a maximum of 90% of the face value of deposit, and including the interest accrued on the deposit.
  • At an interest rate linked to SBI Base Rate against FCNR (B) deposits.
  • At an interest rate linked to interest paid on the deposit, for a loan against NRE TDR / STDR deposits.

Note: For the current rate of interest please get in touch with your branch.
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