Loan Against Fixed Deposit

don’t let a financial emergency drain your savings.

In order to overcome immediate financial need or to meet an emergency, BNB provides loans against Term Deposits held in the bank as collateral. The facility is offered in the form of Term loan or Overdraft facility. 

Interest Rate

interest rates of your choice.

We offer different rates for loan against fixed deposit and  overdraft facility.

1% higher

than the term deposit rate for Term Loan 

2% higher

than the term deposit rate for Overdraft facility. 

if you are applying for loan against your fixed deposit, you should know.

Loan Against Fixed Deposit


Of the term deposit value (face value)



Bhutanese individual holding Term Deposits account are eligible to avail this loan by keeping their Term Deposit as the collateral for the loan. 


for loan against fixed deposit.

  • Application form duly filled by the applicant
  • CID copy of the applicant
  • Two recent Passport size photograph of the applicant
  • Term Deposit Certificate