17 Oct 2025 | 3 Mins Read
Cheaper option: Loan against FD or personal loan
Flipitmoney
Borrowing against a fixed deposit (FD) allows 80-90% loan access, earning interest on FD while paying 1-2% more. It's cheaper than personal loans, with interest rates 10-24% annually, and allows lump sum or instalment repayment without damaging credit score. Use an FD loan for short-term needs, personal loans for larger amounts or unpledged funds.