loanfornrisloanagainstfornrefixeddeposits

Credit facilities for NRIs - Loans & Overdraft

Take a loan or overdraft against your NRE 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

Attractive interest rates

Maximum tenure of 48 months

Apply now

Terms and conditions apply

*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.

Credit facilities for NRIs - Loans & Overdraft

Get your loan

An NRI personal banking loan to suit your needs

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 & EMIRATES NBD INDIA.
Fixed deposits with Indian partner banks will be marked under lien favoring Emirates NBD

Apply now

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

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, EMIRATES NBD INDIA.
Fixed deposits with Indian partner banks will be marked under lien favoring Emirates NBD

Apply now

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

Borrow up to 80% of your FD (Fixed Deposit) amount, limited to a minimum of AED 25,000 and a maximum AED 1 Million
Valid for 12 months (can be renewed based on the accounts performance and FD validity)
Interest charged only on the amount used and for the days utilised
Exclusively available for FDs with Emirates NBD India
Fixed Deposits with Emirates NBD India will be under lien favouring Emirates NBD UAE

Apply now

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

ID documents

Passport copy with resident visa
Emirates ID and copy
Proof of residency or utility bill
Undated security cheque
Credit card statements (if applicable)

For salaried individuals

Latest 3 Months Bank statement
Latest Salary Certificate / Salary Transfer Letter

For self-employed

Latest 6 Months Bank statement
Trade License
MOA (Memorandum of Association)
POA (Power of Attorney)

Additional notes

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

ID documents

Passport copy with resident visa
Emirates ID and copy
Proof of residency or utility bill
Undated security cheque
Credit card statements (if applicable)

For salaried individuals

Latest 3 Months Bank statement
Latest Salary Certificate / Salary Transfer Letter

For self-employed

Latest 6 Months Bank statement
Trade License
MOA (Memorandum of Association)
POA (Power of Attorney)

Additional notes

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."

Apply now

Support

How can we help?

Applying for a personal loan
Applying for a personal loan top-up

Early loan settlement
Partial loan settlement

Direct debit for loans
Restructure your loan

Are you struggling financially?
Defer your loan payments

Our accessible and inclusive banking services

Have a question? Visit our Help & Support section for answers to your queries.

Borrow wisely – a few things you should know

If you don’t make the monthly payments towards your loan on time, you will incur a late payment fee
Missing repayments can affect your credit score, limiting your ability to access loans or financing in the future
If you refinance your loan or defer your payments, your loan will take longer to pay back, and you may pay more interest
If you can’t meet a monthly payment, apply in advance for a deferment. You can do this up to twice a year

It’s important to read the terms and conditions and know the fees and charges before you apply for a loan.