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About Over Draft Against NSC?

  • Documents Required
  • Benefits of NSC
  • Intrest Rates
  • EMI Cal

» Your Proof of Residence - A ration Card / Telephone Bill / Electricity Bill / Voters Card will do.

»  Your Proof of Identity - A Voter's Card / Driver's License / Employer's Card will do.

»  Your latest Bank Statement / Passbook from where you can show a salary / income being credited from the past 6 months.

»  Your Salary Slip from the last 3 months with all deductions shown. A Form 16 from the last 2 years will also be required.

»  Brief statement of assets and liabilities, of the Co-borrower.

» Copies of all Property Documents of the concerned property that you chose to pledge for the loan.

» Most convenient and immediate line of credit against your fixed deposits .

» Interest charged only on utilized amount .

» Lower Interest rates.

» There is not normally a charge for paying off the overdraft earlier than expected.

Over Draft Against NSC Rate of Interest
Banks Interest Rate Banks Interest Rate
ICICI Bank 11.50% - 17% HDFC Bank 12.00% - 14.25%
State Bank Of India 9.95% LIC Housing 10.25%
AXIS Bank 10.25% IDBI 10.25%
Standard Chartered 9.99%-10.15% Citibank 10.50%-10.75%
India Bulls 10.15%-10.75% Allahabad Bank 10.20%-10.45%
Union Bank of India 10.25% UCO Bank 10.20%
Punjab National Bank 10.25% OBC 10.25%

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