Personal Finance

Loan Against TDR

A Term Deposit Receipt (TDR) represents your hard-earned savings meant for the future. But what happens when you need immediate cash for an unforeseen emergency or a sudden business opportunity? Breaking your deposit means losing out on accrued interest and paying penalty fees.

At Prominent Finance & Investment Ltd., our Loan Against TDR facility allows you to borrow funds by pledging your existing deposit as security. You get instant liquidity to meet your needs while your original deposit remains intact, continuing to earn interest until maturity.

Why Choose a TDR Loan

Smart Borrowing

Preserve Your Savings

Your deposit remains untouched and continues to compound interest, allowing your wealth to grow even while you borrow.

Lowest Interest Rates

Because the loan is fully secured by cash, it features the lowest interest rates compared to any personal or commercial loan.

Instant Liquidity

Skip the lengthy credit checks. Since your TDR is the security, processing is incredibly fast, giving you access to funds almost instantly.

Facility Highlights

Unmatched Convenience

High Loan Margin

Borrow up to 80–90% of your deposit's face value — substantial purchasing power without breaking the FD.

Zero Hidden Fees

Absolute transparency. Negligible processing fees and no early-settlement penalties.

Flexible Repayment

Service interest monthly, settle principal later, or let it adjust upon TDR maturity.

No EMI Pressure

No rigid monthly principal outflow. Your cash flow stays free and unstressed.

Get Started

Fastest Path to Cash

Borrowing against your deposit is the most straightforward financial transaction we offer.

Submit Request: Present your original Term Deposit Receipt (TDR) to our branch.
Sign Lien Agreement: Sign a simple document marking a 'lien' (hold) on the deposit amount.
Instant Disbursement: The funds are immediately credited to your account.
Adjustment: Repay the loan at your convenience, or allow the balance to be deducted from the TDR at maturity.

Personal Finance

Loan Against TDR

Your Term Deposit Receipt represents savings meant for the future. When an emergency or opportunity demands immediate cash, breaking your deposit costs you accrued interest and penalty fees.

At Prominent Finance & Investment Ltd., our Loan Against TDR lets you pledge your deposit as security — instant liquidity, while your original deposit keeps earning interest until maturity.

INSTANT · SECURED · LOW-RATE

The Facility At a Glance

Numbers That Matter

90%

Loan Margin

Up to 90% of TDR face value

24 hrs

Disbursement

Funds released within one working day

0

EMI Pressure

Interest-only servicing option

1%

Rate Spread

Above your TDR profit rate

Why Choose a TDR Loan

Smart Borrowing, Untouched Savings

✓

Preserve Your Savings

Your deposit stays intact and continues to compound interest — your wealth grows while you borrow.

✓

Lowest Interest Rates

Fully cash-secured, so the rate is the lowest in our entire loan portfolio.

✓

Instant Liquidity

No lengthy credit checks. Your TDR is the security, so processing is near-immediate.

✓

Credit Score Neutral

Because it is a secured facility, your CIB profile is not stressed by heavy scrutiny.

Facility Highlights

Unmatched Convenience

High Loan Margin

Borrow up to 80–90% of your deposit's face value — substantial purchasing power without breaking the FD.

Zero Hidden Fees

Negligible processing fees and no early-settlement penalty. Total transparency.

Flexible Repayment

Service interest monthly and settle principal later — or let it adjust at TDR maturity.

No EMI Pressure

Unlike standard loans, no rigid monthly principal outflow. Your cash flow stays free.

When To Use It

Perfect For These Moments

Medical Emergency

Immediate hospital bills without disturbing long-term savings.

Business Opportunity

Grab a time-sensitive investment or working-capital gap.

Foreign Education

Bridge tuition fees while the TDR keeps maturing.

Down Payment

Fund the deposit on a property or vehicle instantly.

Wedding Expenses

Meet lump-sum ceremony costs without penalty.

Tax Payment

Pay a large tax bill and repay comfortably later.

The Mechanics

How the Lien Works

A lien is a hold — not a withdrawal. Your TDR stays in your name, keeps earning its contracted profit rate, and matures on the original date. We simply mark it as security until the loan is cleared.

▸Deposit remains in your name at all times
▸Profit continues to accrue at original contracted rate
▸Lien is released the day loan is fully settled
▸On default, outstanding is adjusted from TDR at maturity

Indicative Pricing

What You Can Borrow

TDR VALUE	MAX LOAN (90%)	INTEREST P.A.	MONTHLY INTEREST
BDT 5,00,000	BDT 4,50,000	TDR + 1.5%	BDT 4,125
BDT 10,00,000	BDT 9,00,000	TDR + 1.5%	BDT 8,250
BDT 25,00,000	BDT 22,50,000	TDR + 1.5%	BDT 20,625
BDT 50,00,000	BDT 45,00,000	TDR + 1.5%	BDT 41,250
BDT 1,00,00,000	BDT 90,00,000	TDR + 1.5%	BDT 82,500

*Indicative only. Assumes TDR profit rate of ~9.5%. Final pricing per sanction letter.

Get Started

Fastest Path to Cash

Submit Request

Present your original Term Deposit Receipt at our branch with your NID.

Sign Lien Agreement

Sign a one-page document placing a lien on the deposit amount.

Instant Disbursement

Funds credit to your account the same working day.

Flexible Adjustment

Repay at your pace, or let the balance auto-adjust at TDR maturity.