12 Feb 2026 | 5 Mins Read
Breaking FD vs Personal Loan: What Costs Less
Flipitmoney
Borrowing against a fixed deposit is often cheaper than taking a personal loan. This option allows individuals to access their money with very little paperwork, low or no processing fees, and interest rates typically 1-2% higher than the FD's earning rate. In contrast, personal loans are considered costliest with interest rates ranging from 10-18% and additional fees.