Do you want funds readily available to you whenever you desire or need, be it a sudden vacation that you plan with your family or urgent funds required for medical treatment? Then avail loan against Time Deposit without breaking your Time Deposit Enjoy the SBI Advantage: Avail Loan up to 90% of the value of your Time Deposit Both Demand Loan and Overdraft Facility as per your need Low interest rates. Further, we charge interest on a daily reducing balance!! Zero processing charges; No prepayment penalties. Bank may offer you a flexible repayment plan. You may be allowed to repay your loan in instalments or lump sum. Also, banks may allow preferred customers to borrow up to a particular limit and repay when cash is available.