Loans Against NSC/KVP

If you are a holder of NSC or KVP and looking for some loan, please read this page of help

Eligibility for Loan against NSC

Applicant must have National Savings Certificate / Kisan Vikas Patra in own name. You can not avail loan on someone else savings instrument.

Purpose for loan

You can avail loan on your investment for any business/personal purpose, but not for speculative ones.

Charges and interest

Charges and interest rates on loan keeps varies time to time, Bank may charge processing fees against the loan grant. Different banks have different interest charges against loan.

Loan Amount

Amount of loan depends on the bank rules, from where you are going to apply for loan. Normally it depends on the number of years the NSC certificate is.

Repayment Period

Loan to be liquidated within the tenure of the instruments or earlier.

10 comments for “Loans Against NSC/KVP

  1. Raghunath
    February 1, 2019 at 2:17 pm

    I have kvp for Rs.120000 Can l get loan?. I need loan sir 60000. MB 7001435031

  2. Manoj
    April 10, 2018 at 7:08 am

    I have NSC for Rs.100000 Can l get loan?. I need loan sir 80000/-

  3. Radha Raman Dey
    March 9, 2018 at 1:26 am

    I want loan of rs 300000/- against my NSC my mobile no 79806063**

  4. November 29, 2017 at 5:06 pm

    I have invested in kvp. Can I get loan on that, if I want in future? & which bank?

  5. Kamaraj
    November 3, 2017 at 9:59 am

    I have kvp for Rs.90000. Can l get loan?. I need loan sir

  6. santhosh n
    January 17, 2016 at 4:37 am

    my name santhosh forme bannerughatta i in nsc in post office 5 years bond i goted last years 2015 navember i want laon that is jaoint nsc 9900604019

  7. Abhishek Daga
    July 19, 2015 at 8:13 pm

    I inquired about loan on NSC with ICICI Bank(J.P.Nagar 6th Phase, Bangalore), They refused to give loan on NSC.

    I inquired in State Bank of India(Jayanagar 2nd Block Bangalore) They refused for pledging the NSC for OverDraft facility I asked, I said NSC is a Government Bond & SBI is a Govt of India undertaking Bank, the person inquired in the whole bank & thensaid their branch cannot give loan on NSC, I will have to contact other branches.

    Any solution for this ? If Bank’s are not trusting this kind of BOND which is undertaken by Govt of India & also is a tax saving instrument, Does this mean NSC is a bad investment or a non-safe instrument ?

    • Saurabh
      July 1, 2018 at 11:26 am

      Same is my experience, nsc cant help you when you’re in need before its maturity

  8. sunil
    December 5, 2014 at 11:14 am

    i want a loan of rs. 30000/- again my KVP

  9. jai shankar srivastava
    August 16, 2014 at 12:15 pm

    I applied loan angst my nsc in union bank of india branch faizabad road lko
    a/c 555002010006793 on aug 8,2014. a bank emp came to gpo for verification ,emp concerned demanded money for this.this is untolrable.kindly do the needful so that my loan could be sanctioned.

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