Loan Against FD Calculator

Loan Against FD Calculator See your loan amount, interest cost, and whether borrowing beats breaking your FD.

FD Amount (₹) *The amount deposited in the fixed deposit used as collateral for the loan.

Enter a valid amount (min ₹1,000)

FD Interest Rate (%) *The yearly interest rate earned on the fixed deposit.

Enter rate between 0.1% – 20%

Loan Margin *The percentage of the FD amount you can borrow. Drag to set it — most banks allow up to 90%. 75%

75%

1%90%

Max loan you can borrowat 75% margin Enter FD amount

Interest Spread (1% – 2%) *Extra interest added on top of the FD rate charged by the bank for the loan.

Spread must be 1% – 2%

Loan Tenure *The period for which the loan is taken, typically limited to the remaining FD tenure.

Enter a valid tenure (min 1 month)

Repayment Frequency *How often the loan interest payment is made — monthly, quarterly, half-yearly, or yearly.

Loan Details

Max Loan Amount

Loan Interest Rate

Interest per Payment

Repayment Summary

Total Interest Payable

Total Amount Payable

FD Interest Earned

FD vs Loan Comparison

Extra Cost Loan interest paid over FD returns

Disclaimer This calculator is for demonstration purposes only. Results are estimates and may vary by financial institution. Please review the official terms and conditions of the respective institution before making any financial decision.