The Loan Against Deposits facility allows corporates and promoters to unlock liquidity while keeping their existing Fixed Deposits intact. The facility is extended by the DIFC branch against deposits placed either with ICICI Bank DIFC branch or with any branch of ICICI Bank in India or overseas.
BEST FOR
Maintain full interest accrual
Attractive foreign currency rate
Flexible short-term financing
Quick processing and approval
Access funds without breaking deposits
Unlock liquidity while your Fixed Deposits continue to earn full interest
Flexible short-term financing
Match tenure to deposit maturity
Choose a loan period aligned with your deposit maturity for efficient cash flow use
Simplified and quick processing
Benefit from faster approval and disbursal through the DIFC branch's streamlined process
Attractive foreign currency rates
Enjoy cost-efficient funding with interest payable at maturity or periodic intervals
Eligibility
Corporate or group entities with deposits
Securities
Fixed Deposit, Cash Margin or FCNR Deposit
Tenure
Loan period up to deposit maturity
Interest
Payable at maturity or intervals
Connect with ICICI Bank DIFC branch
Share deposit and entity details
Assessment and structuring
Submit the complete documents
Loan disbursement
A Loan Against Deposits (LAD) is a credit facility that allows corporates and promoters to access short-term liquidity by pledging existing deposits, without the need to withdraw or break them
Available to corporate or group entities maintaining deposits with ICICI Bank
Loans are secured against Fixed Deposits, Cash Margins or FCNR Deposits held in eligible branches
Loan tenure extends up to the maturity of the underlying deposit. Interest is offered at attractive foreign currency rates, payable periodically or at maturity
The ICICI Bank’s DIFC branch ensures minimal paperwork and timely approval, providing an efficient way to meet bridge or interim financing needs without affecting deposit earnings
Under this facility, corporates or promoters can avail foreign currency loans from ICICI Bank DIFC by pledging their existing deposits. The deposits continue to earn interest while providing liquidity support.
Yes, the facility is offered in foreign currency, primarily USD, enabling borrowers to meet international funding or working capital requirements efficiently.
The facility is suitable for short-term liquidity, bridge funding or interim financing requirements, allowing corporates to manage operations without disturbing their existing investments.
With simplified documentation and internal processing at the DIFC branch, eligible entities can receive funds promptly once security and eligibility checks are complete.
