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Loan against deposit is a good option for those looking to meet short-term liquidity requirements without breaking their fixed deposits and losing out on interest earnings.
A loan against deposit is a facility provided by soceity and financial institutions which allows individuals to avail loans against their fixed deposits. This type of loan is secured as it is backed against the collateral of the fixed deposit and typically has lower interest rates than other types of unsecured loans. The amount of loan available usually ranges from 70% to 90% of the fixed deposit value.