• 24/7 Convenience: Obtain loans anytime, anywhere—no branch visits required.

• Exclusively for Online Banking Users: Available only through DFCC Online Banking.

• Quick Access to Funds: Get your loan amount credited instantly to your account.

• Flexible Loan Amounts: Starting from Rs. 10,000/-.

• Attractive Repayment Terms: Repay conveniently over a period of up to 60 months.

• High Loan Value: Get a loan of up to 90% of your Fixed Deposit value.

• One Loan per FD: Only one loan can be availed against each FD under this facility.

• Easy Early Settlement: Request early loan settlement conveniently via DFCC Online Banking or through Secure Mail on the DFCC One App.

• Automatic Recovery: Loan repayments are automatically deducted from your designated recovery account.

• Interest Margin: 2% above your FD interest rate, regardless of tenor.

• Processing Fee: Only Rs. 1,000 per loan

• You must maintain an individual FD under your name—joint accounts do not qualify.

• Must be a registered DFCC Online Banking user.

1. Log in to DFCC Online Banking.

2. Select ‘Cash Backed Loan’ from the available loan options.

3. Choose your eligible FD and desired loan amount.

4. Review the terms and confirm

5. Receive your funds instantly in your account.

Apply Online via DFCC Online Banking.

01: Can I apply for multiple loans against one FD?

No, only one loan can be obtained per Fixed Deposit.

02: How quickly will my loan be credited?

Instantly after approval—it’s fully automated.

03: Can I repay my loan early?

Yes, simply send a message via DFCC Online Banking or the DFCC ONE App.

04: How will my loan repayments be handled?

Repayments are automatically recovered from your designated account on the due date.

05: Can joint account holders apply for a Cash Backed Loan?

No, cash-backed loans are available only to individual fixed deposit holders and are not applicable to joint account holders

• Fixed Deposits

• Savings Goals