Loan Against Fixed Deposit in UAE (2025)

Don’t want to break your FD? You can still get funds by applying for a secured loan against your fixed deposit at a low interest rate.

How It Works

  • Borrow up to 90% of your FD value
  • FD remains intact and continues earning interest
  • Lower interest rate compared to personal loans
  • No income documents required

Perfect for short-term liquidity without disturbing your savings plan.

Top Banks Offering FD Loans

  • Emirates NBD – up to 95% of FD value
  • FAB – instant overdraft facility
  • ADCB – flexible repayment terms
  • RAKBANK – online application available

Loan tenure is usually aligned with your FD maturity. Early settlement possible.

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