Loan Against

Liquid Security

Processing Fee   Nil

Interest Rate -   Start From 7% p.a.

Loan Against Liquid Security

To meet the temporary liquidity mismatch in the business operation or for payment of statutory dues, salary/ wages/ electricity bill, rent etc. loan aginst liquid security may be obtained by Pledging Any Term Deposit Certificate of PSU or Pvt. Bank / LIC policies (Endowment, Money-back or similar) / NSC Certificate / KVP Certificate / Postal Deposits / Govt./PSU Bank Bonds / Other similar liquid securities


  • Any existing business having satistisfactory credit history.

  • Photo identity and Address proof : As per RBI defined KYC guidelines.
  • Business Proof : Trade License/MOA & AOA/GST Registration/ITR, Partnership Deed etc. as per applicability.Trade License/MOA & AOA/GST Registration/Income Tax Retrun, Partnership Deed and other documents as per applicability.
  • Additional documents may be collected during the loan application process as per actual requirement.

 Key Features

Rate of Interest

Start From 7% p.a.


Upto 12 Months

Nature of Assistance

Short Term Loan

Upfront Fee



  • Lien on underlying liquid security
  • Personal Guarantee of the Borrower(s)

 Other Terms & conditions

  • If the maturity of securitized instrument falls prior to the loan repayment date, the borrower should be agreeable to renew / reinvest the instrument and mark fresh lien in favour of the Corporation.
  • FDs under tax saving scheme (with lock-in period), KVP & NSC certificates can be accepted if their maturity date is more less near the loan maturity date.
  • In case of LIC Policies or similar instruments, surrender value as on the date of sanction shall be considered.
  • Market linked instruments like mutual funds etc. will not be considered.

Key Highlights

Loan upto 90% of the Liquid Security

Interest Calculation on Reducing Balance

Simplified application process