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A Loan Against Deposit Receipts (LADR) is a smart and secure way to access funds without withdrawing or breaking your fixed or recurring deposits. Instead of liquidating your savings, you can pledge them and borrow a loan — all while your deposit continues to earn interest.
At Finovata Ltd., we offer this solution to help you meet short-term or urgent financial needs, without compromising your future goals.
At Finovata, we make it easy for you to:
Secure a loan using your Fixed Deposit or Recurring Deposit as collateral
Get instant access to liquidity without affecting your savings
Continue earning interest on your deposit during the loan period
Enjoy low-interest loans backed by your own investment
| Feature | Benefit |
|---|---|
| 💰 No Need to Break Deposit | Keep your savings intact and still get the cash you need |
| ⏱️ Quick Processing | Minimal documentation and same-day disbursal in most cases |
| 📉 Lower Interest Rates | Enjoy preferential rates, since your loan is secured against your deposit |
| 📅 Flexible Repayment | Choose loan tenures that work with your financial situation |
| 📈 Continued Interest Earnings | Your deposit keeps growing even while you borrow against it |
| 🔐 Safe & Secure | 100% secured loan with no risk to your financial future |
Loan Amount: Typically up to 90% of your deposit value
Eligible Collateral: Fixed Deposits, Recurring Deposits with Finovata
No Prepayment Charges: Repay early without penalties
No Income Proof Required: Your deposit is your security
Ideal For: Emergency funds, short-term expenses, business needs, and more
✅ Customer-First Approach – Solutions tailored to your needs, not just our rules
✅ Fast Disbursal – We understand urgency and ensure timely access to funds
✅ Trusted Financial Partner – Known for transparency, safety, and personalized service
✅ No Credit Checks Needed – Your deposit is all you need to qualify
✅ Continued Financial Growth – Keep your investments growing while managing your cash flow
At Finovata Ltd., our Loan Against Deposit Receipts helps you stay financially strong today, while protecting your tomorrow.
📞 Speak with our team today or
🏢 Visit your nearest Finovata branch to explore your options.