Loans for NRIs - Loan against / for NRE Fixed Deposits

Take a loan against your fixed deposit

We make it easier for you to meet your financial needs without breaking your Fixed Deposit with Emirates NBD or our Indian partner bank

Borrow up to 90% of your fixed deposit amount
Interest rate starting at 2.90% p.a flat
Maximum tenure of 48 months

Terms and conditions apply

*Equivalent to 5.29% p.a. reducing

*Rates and benefits will be applicable based on the customers segment, their eligibility and borrowing capacity as per the banks credit policy and central bank regulation.

Let us help you with your loan

An NRI personal banking loan to suit your needs

Key benefits and highlights

  • Borrow up to 80% of NRE Fixed deposit amount
  • Avail up to 2 non-consecutive deferments in a loan cycle
  • Program available with our Indian partner banks : HDFC BANK, AXIS BANK, ICIC BANK & YES BANK.
  • Fixed deposits with Indian partner banks will be marked under lien favoring Emirates NBD

I want to borrow

AED 25,000 AED 15,000,000
12 Months 48 Months

You can borrow AED {0} Personal Loan

with monthly payments as low as

AED  

Tentative rate: 5.29% reducing p.a.

Rates and benefits will be applicable based on the customers segment, eligibility and borrowing capacity as per the banks credit policy and central bank regulation.

An NRI personal banking loan to suit your needs

Key benefits and highlights

  • Borrow up to 90% of your existing NRE Fixed deposit amount
  • Avail up to 2 non-consecutive deferments in a loan cycle
  • Program available with our Indian partner banks : HDFC BANK, AXIS BANK, ICIC BANK & YES BANK.
  • Fixed deposits with Indian partner banks will be marked under lien favoring Emirates NBD

I want to borrow

AED 25,000 AED 15,000,000
12 Months 48 Months

You can borrow AED {0} Personal Loan

with monthly payments as low as

AED  

Tentative rate: 5.29% reducing p.a.

Rates and benefits will be applicable based on the customers segment, eligibility and borrowing capacity as per the banks credit policy and central bank regulation.

Benefits of getting a loan with Emirates NBD

Credit Life Insurance

An insurance for your outstanding loan to protect you in case of an eventuality

7 day loan return

Return your personal loan to the bank even after it's credited to your account

Debt consolidation

Lighten your financial payments with our One Pay facility

AECB score

Process your application faster with a good AECB score

Co-applicant program

Increase your eligibility by applying with a salaried spouse or a family members

Easy loan applications

Getting a loan with us is the smart thing to do

Eligibility

Applicable for NRIs with UAE residence visa

Applicable for Salaried and Self Employed

No minimum length of service

Documents required to apply

  • Passport copy with resident visa
  • Emirates ID and copy
  • Proof of residency or utility bill
  • Undated security cheque
  • Credit card statements (if applicable)
  • Latest 3 Months Bank statement
  • Latest Salary Certificate / Salary Transfer Letter
  • Latest 6 Months Bank statement
  • Trade License
  • MOA (Memorandum of Association)
  • POA (Power of Attorney)
  • Please ensure you have all the documents required so we can process your application faster
  • We may require additional documents, if needed, based on the bank’s discretion
  • Passport copy with resident visa
  • Emirates ID and copy
  • Proof of residency or utility bill
  • Undated security cheque
  • Credit card statements (if applicable)
  • Latest 3 Months Bank statement
  • Latest Salary Certificate / Salary Transfer Letter
  • Latest 6 Months Bank statement
  • Trade License
  • MOA (Memorandum of Association)
  • POA (Power of Attorney)
  • Please ensure you have all the documents required so we can process your application faster
  • We may require additional documents, if needed, based on the bank’s discretion

Apply for an Emirates NBD loan and be part of the most innovative bank in the region


What our customers are saying:

"The loan approval time was very good. They have approved the loan within 2 or 3 days."

Things you need to know

Borrow wisely and ensure you go through the list of documents for all the fees and charges you'll incur and the terms and conditions involved when you get a loan from us. 

  • If you do not meet the monthly repayments on your loan, your account will go into arrears and incur late payment fee.
  • When you miss repayments, this could affect your credit score and limit your ability to access loan/financing in the future.
  • When you refinance your loan or avail installment deferments, it may take longer to pay off than your previous loan. It may also result in paying more interest.

Other Loans

Looking for something different?

Salary Transfer Loans for Expats

Whether your goals are simple and small or expansive and big, we have the right loan package for you

Know more

Thank you for your feedback!

How was your experience?

We'd love to know.

1 = Poor, 10 = Excellent