Authorised dealers can grant loans/overdrafts in India against the security of these deposits without any limit for purposes other than investments. The margin and rate of interest for loans may be decided by the lending bank. Repayment of loans can be by way of further remittance in a freely convertible foreign currency, or by debit to NRE/FCNR/NRO account of the depositor, or by adjustment against maturity proceeds of the deposit