FD par loan kaise lein? FD par loan (loan against fixed deposit) ek aisi suvidha hai jisme aapko apni FD todni nahi padti — balki usi FD ko security banakar bank se loan ya overdraft mil jaata hai. State Bank of India (SBI) ki official scheme ke anusaar aap apni time deposit value ke 90% tak loan le sakte hain, aur byaaj dar hoti hai aapki FD rate se sirf 1% zyada — wo bhi daily reducing balance par. Is guide me jaaniye SBI ke official niyam, kaun le sakta hai, apply kaise karein, aur FD todne vs FD par loan me kya antar hai.
FD Par Loan Kya Hota Hai?
Jab aap FD par loan lete hain, to bank aapki FD par lien (adhikaar) mark kar deta hai — matlab FD aapke naam par barkarar rehti hai aur us par byaaj bhi milta rehta hai, lekin loan chukane tak aap use band nahi kar sakte. Iske badle me bank aapko do tarah ki suvidha deta hai:
- Demand Loan: ek saath poori rashi milti hai, tay shartein par chukani hoti hai (SBI branches me uplabdh).
- Overdraft: ek limit tay ho jaati hai, aap zaroorat ke hisaab se paisa nikaalte hain aur sirf istemal ki hui rashi par byaaj lagta hai (SBI me YONO/INB par online sirf overdraft milta hai).
SBI Me FD Par Loan — Official Mukhya Baatein
SBI ki official website (sbi.bank.in) ke anusaar:
- Kitna milega: time deposit value ke 90% tak (online: e-STDR/STDR par 90%, e-TDR/TDR par 75%; branch me underlying security ke 90% tak). Online overdraft ki maximum limit ₹5 crore hai.
- Byaaj dar: aapki FD rate se 1% zyada, aur byaaj daily reducing balance par lagta hai — jitna istemal, utna hi byaaj.
- Zero processing charges aur koi prepayment penalty nahi — beech me chuka dein to koi jurmana nahi.
- Security: underlying time deposit par lien.
- Channels: YONO aur INB par sirf overdraft; branch me demand loan + overdraft dono.
Kaun Le Sakta Hai? — Eligibility
- Online (YONO/INB): sirf single account holder jo TDR/STDR (INB/YONO se kholi hui) rakhta ho. Joint holders ko branch jana hoga.
- Branch me: single ya joint holders — TDR/STDR ke saath-saath RD, NRE/NRO aur FCNR(B) deposits par bhi.
- In par NAHI milega: tax-saving FD, MODS, aur online channel par RD aur NRE TDR/STDR.
FD Par Loan Kaise Lein? — Practical Steps
- Online (SBI INB/YONO): login karein → e-Fixed Deposit tab → Overdraft against Fixed Deposit chunein → apni FD select karein → limit, byaaj dar aur expiry confirm karke Proceed dabayein → registered mobile par aaye high-security password se verify karein. Overdraft account turant khul jaata hai.
- Branch me: apni home branch jayein, loan/overdraft form bharein — demand loan chahiye to branch jana hi hoga.
- Chukana: overdraft ki maximum avadhi 5 saal ya FD ki bachi hui maturity (jo pehle ho) tak hai. FD mature hone tak loan chuka dena zaroori hai, warna account FD maturity par liquidate ho jayega.
Byaaj Kaise Lagta Hai? — Ek Example
Maan lijiye aapki FD par 7% byaaj mil raha hai, to overdraft par byaaj lagega lagbhag 8% (FD rate + 1%). Aur sabse badi baat: byaaj sirf utne paiso par lagega jitna aapne overdraft se nikaala hai, poori limit par nahi. Saath hi aapki FD par 7% byaaj milta rehta hai — matlab asar me aapko sirf 1% ka antar padta hai. (Yeh mechanism samjhane ke liye udaharan hai; actual rates aapki FD ke anusaar honge.)
FD Todne vs FD Par Loan — Antar
- FD todne par: premature withdrawal penalty lag sakti hai, bachi hui avadhi par kam byaaj milta hai, aur compounding toot jaati hai.
- FD par loan par: FD barkarar rehti hai, uska byaaj milta rehta hai, aur aapko sirf FD rate se 1% zyada byaaj dena padta hai — wo bhi sirf istemal ki hui rashi par.
Isliye chhoti avadhi ki zaroorat ke liye FD todne se aam taur par FD par loan behtar padta hai.
Savdhaaniyan
- Loan FD ki maturity se pehle chuka dein — default hua to bank aapki FD se vasool kar sakta hai.
- Overdraft limit ko “free money” na samjhein — byaaj roz judta hai.
- Lambe samay ke bade kharchon (ghar, gaadi) ke liye dedicated loan behtar hain — home loan kaise lein aur gold loan kya hai wale hamare guides dekhein.
Official scheme details ke liye SBI ki website dekhein: sbi.bank.in — Loan Against Time Deposit
Yeh sirf jaankari hai, financial advice nahi hai.