Deposit-Linked Facility
Funding is linked to an eligible deposit held under the applicable terms.
Loan Against Deposit
Loan Against Deposit
A practical funding option for eligible members who want liquidity against an existing deposit, subject to applicable terms and verification.
Service overview
Liquidity linked to an eligible deposit.
A Loan Against Deposit can help eligible members access funds without immediately closing the underlying deposit. The approved rate section states that the loan limit can be up to 80% of the deposit.
The published interest basis is 2% above the applicable deposit ROI. Actual eligibility, available limit, documentation and repayment terms should be confirmed with the society at the time of enquiry.
Rates & key details
Important details at a glance.
Review the published service information below, then confirm the latest eligibility, documentation and applicable conditions with the society.
Interest Basis
2% above Deposit ROI
Published Limit
Up to 80% of deposit
Underlying Deposit
Must be eligible under applicable terms
Process
Enquiry → Documentation → Verification → Approval
Published rate snapshot
Interest Basis2% above Deposit ROI
Maximum Published LimitUp to 80% of deposit
Published terms are from the approved rate snapshot effective 17 July 2026. Please confirm current eligibility and conditions before applying.
Service highlights
Designed around clarity and member support.
Understand the facility, the review process and the next steps before making a decision.
Practical Liquidity
Provides access to funds for eligible needs without immediately closing the deposit.
Clear Rate Basis
Published interest is expressed as 2% above the applicable deposit ROI.
Structured Review
Documentation and verification form part of the approval process.
How it works
Simple steps. Clear support.
The exact checklist varies by facility, but the approved member journey follows a consistent review path.
Enquire
Connect with the society and discuss the service or funding requirement.
Documentation
Submit the current applicable forms, documents and supporting details.
Verification
Details are reviewed under the society’s applicable policies and procedures.
Approval & Support
Eligible requests move forward with communicated terms and ongoing assistance.
Frequently asked questions
Answers before your next step.
For current eligibility, documentation and final terms, contact the society directly.
The approved home page states a limit of up to 80% of the deposit, subject to eligibility and applicable terms.
The published rate basis is 2% above the applicable Deposit ROI.
The service is described as a loan against an eligible deposit. Please confirm the exact lien, maturity and repayment treatment with the society.
Requirements can vary. Contact the society for the current documentation checklist for your deposit and loan request.
Ready to enquire?
Speak with the Surabhi team.
Confirm current eligibility, documentation, rates and applicable conditions for your requirement.