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
At a glance
Benefits
Eligibility & documents
Key facts statement
Support
Get your loan

Let us help you with 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

  • 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."

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.

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.

Important links and documents

Key Facts Statement (KFS)

Personal Loans fees & charges

Personal Loan T&Cs

Variable interest rate

General fees & charges

General T&Cs

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AECB score

Having a higher AECB score gives you more benefits

  • No salary transfer requirement
  • It's not mandatory for your company to be listed with us
  • No need to submit bank statements
  • Minimum length of service is not required

Credit Life Insurance

Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.

*Subject to terms of the policy. Other terms & conditions apply.

Co-applicant program

  • The main applicant should be employed by a company that is listed with us. The co-applicant can be your parent, spouse, son or daughter, but not sibling
  • Only one co-applicant allowed
  • Minimum monthly salary of the primary applicant should be at least AED 5,000
  • No company listing or salary transfer is required for the co-applicant

Debt consolidation

Now, make all your loan and credit card payments through one simple, yet effective solution. It's time to eliminate all your hassles as you cut down on your monthly payments.

  • Enjoy preferential interest rates
  • One manageable payment plan for all your existing debts
  • One single monthly payment for your convenience

Learn more about how debt consolidation works

Apply now

Easy loan applications

  • Easy processing and simple documentation
  • Minimum requirements needed to avail a loan
  • Higher AECB score - faster processing and better rates
  • Minimal documentation needed to top up your existing loan

7 day loan return

  • Notify the bank or your loan agent  Incase of loan cancellation within 7 days
  • The loan amount should not be withdrawn from your account
  • Valid only for new loans without liability settlements. Not for topped-up loans or loans transferred from other banks
  • Please note that you have to return the loan amount in full. This option is not applicable for partial returns

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Emirates NBD Bank (P.J.S.C.) is licensed by the Central Bank of the UAE, Baniyas Road, Deira, P.O. Box: 777, Dubai, UAE

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