Shivalik Small Finance Bank offers Loan/Limit Against Bank Deposits to provide quick and convenient funds against your Fixed Deposit (FD) without breaking the deposit and losing interest benefits. Customers can meet short-term personal or business financial requirements through overdraft secured by the available deposit balance (principal and accrued interest), with minimal documentation and faster processing. Please visit the nearest branch or connect with the contact centre (Toll Free: 1800-202-5333 or Email: customercare@shivalik.bank.in) for more information.
Step 1: Log in to the mshiFFt app
Step 2: Click on OD against FD
Step 3: Enter the required OD amount and select eligible FDs to pledge
Step 4: Agree to the Terms and Conditions
Step 5: Review key OD details such as limit requested, ROI, expiry date, linked FDs, and APR
Step 6: Agree to the Key Fact Statement (KFS)
Step 7: The OD account is successfully created
Step 1: Collection of documents, loan application, and verification
Step 2: Fixation of terms of sanction
Step 3: Sanction and issue of sanction letter
Step 4: Documentation
Step 5: Opening of account and disbursement
Copyright © 2026 Shivalik Small Finance Bank. All Rights Reserved. Site updated on 14/05/26 .
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