Rapid Finance Facility Calculator
Because you only borrow up to 90% of your deposit's value, and the full deposit keeps earning while it's pledged, the real question isn't "what's my instalment" — it's what your borrowing actually costs once that continued profit is netted out. This calculator does that subtraction.
Facility Details
Your Real Cost of Borrowing
Enter the markup rate you were quoted above to see your cost.
No personal or financial account information is required. This tool runs entirely in your browser.
Fee Data & Sources
The 90% maximum financing limit and up to 4-year tenor are from Sindh Bank's official Rapid Finance Facility product terms. The loan markup rate and your deposit's own profit rate are not fixed figures published for this facility — enter the rate you were actually quoted, and your certificate's own rate.
This calculator assumes your deposit continues earning its own profit rate on its full original value for the entire loan tenor, since a lien doesn't reduce the certificate's principal — only encashment would. It nets that continued profit against the loan's total markup to show your real cost of accessing cash this way versus breaking the certificate early. It does not account for any early-encashment penalty you might avoid by using this facility instead — that would only add to Rapid Finance's advantage, not reduce it.
Last verified: September 3, 2026. Bank charges and rates change — always confirm with Sindh Bank directly before making a financial decision.
Independent estimate — not an official Sindh Bank calculator. PakFinHub is not affiliated with Sindh Bank Limited.
For example, borrowing 90% of a Rs. 1,000,000 deposit at 22% markup over 2 years, against a deposit earning 12%, can net out to a genuine gain of roughly Rs. 19,432 rather than a cost.
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