Explore a simpler way to apply for Loan Against FD
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What is a Loan Against FD?
What is a Loan Against FD? Short-term liquidity without prematurely breaking an eligible fixed deposit. A loan or overdraft against a lender-accepted fixed deposit. JoJo Money assists with the enquiry process and may connect eligible applicants with a lending institution; it does not itself sanction or disburse loans.
Common uses include: Short-term liquidity without prematurely breaking an eligible fixed deposit. Permitted end uses and restrictions vary by the chosen lending partner. Confirm your purpose in the application.
Benefits & Uses
- Short-term liquidity without prematurely breaking an eligible fixed deposit. Permitted end uses and restrictions vary by the chosen lending partner. Confirm your purpose in the application.
- Guidance through the enquiry and documentation process
- Options depend on your lending partner and credit assessment
Eligibility Criteria & Eligible Applicants
Deposit ownership, remaining tenure, lien eligibility and identity checks. Depending on the product, lenders may also assess age, residence, identity, existing credit obligations, collateral and documentation. Eligibility is not guaranteed.
- Identity and contact details must be verifiable
- Income and existing repayments are assessed by the lender
- Loan-specific collateral or additional requirements may apply
Documents You May Need
- Identity and address verification, such as PAN and accepted KYC documents.
- Recent bank statements and income proof, as applicable to your employment or business type.
- Loan-purpose documents such as quotations, admission details, business records or property papers, where relevant.
- Additional documents requested by the regulated lending institution after assessment.
Repayment Period & Interest Rate
| Feature | Details |
|---|---|
| Loan type | Loan Against FD |
| Loan amount | Based on lender policy and eligibility |
| Interest rate / APR | Disclosed by lending partner in its offer and KFS |
| Repayment tenure | As offered by the lending partner |
| Processing fee | As disclosed in the KFS, if applicable |
| Security / collateral | Depends on loan product and lender |
Illustrative Repayment Example
This example is for understanding EMI calculations only; it is not a loan offer.
| Example Feature | Illustrative Value |
|---|---|
| Loan amount | ₹5,00,000 |
| Assumed annual reducing interest | 12% (illustrative only) |
| Tenure | 36 months |
| Approximate monthly EMI | ₹16,607 |
| Approximate total repayment | ₹5,97,858 (excluding charges) |
| Actual charges and APR | Refer to lender-issued KFS |
How to Apply
- Read the product information and complete the application enquiry form on this page.
- Our team reviews your request and may contact you for clarification or additional details.
- Where suitable, your application may be referred to an appropriate lending partner subject to consent and applicable requirements.
- The lender carries out its own verification and credit assessment and communicates any offer and KFS.
- Read and accept the lender's terms only if you wish to proceed.
Frequently Asked Questions
Frequently asked questions
Does submitting the form guarantee a loan?
No. Approval and disbursal are entirely subject to the lender's assessment.
Will I know the EMI and interest before accepting?
Review the lender's actual offer and KFS for the applicable rate, APR, fees, EMI and repayment schedule.
Can I ask questions before applying?
Yes. Contact JoJo Money for assistance understanding the enquiry process and documents.
Ready to explore your loan options?
Submit an enquiry and our team can guide you through the process.
JoJo Money acts as a loan service facilitator, not the lender. Approval, pricing and disbursal depend on the regulated lending institution. No guaranteed approval or fixed disbursal time is promised.