MAURITIUS
Language set to English.
Back to ClairBCP Bank (Mauritius) Ltd

BCP Cash-secured Loan

Published version 1 · Checked 4 Oct 2026

Bank names, quoted passages and source-document text are shown in their original language. Translated explanations do not replace the bank’s terms.

Plan this loanLoan estimates

Published product terms

Unknown values are shown explicitly. A blank price is never treated as free.

Loan type
Personal
Minimum amount
Not published
Maximum amount
Not published
Minimum term (months)
Not published
Maximum term (months)
Not published
Minimum annual interest rate

A yearly interest percentage. In a reducing-balance estimate, interest is charged on the amount still owed. Fees may be extra.

Not published
Maximum annual interest rate

A yearly interest percentage. In a reducing-balance estimate, interest is charged on the amount still owed. Fees may be extra.

Not published
Rate type
Not published
Rate basis
Not published
Rate qualifier
Quote required
Reference rate
Not published
Reference rate value (p.a.)
Not published
Published margin (p.a.)
Not published
Reference rate as of
Not published
APR

A yearly cost measure that includes interest and specified charges. Check the bank’s definition; it is different from the nominal interest rate.

Not published
APR basis
Not published
Minimum monthly income
Not published

About this loan

BCP Cash-secured Loan

  • a loan secured against cash collateral
  • monthly, quarterly, half-yearly

Eligibility and conditions

  • Only the monthly amortising option is modelled. Quarterly, half-yearly and bullet options need a lender schedule. Amount is linked to savings/fixed-deposit balance.

Costs not yet priced

  • Confirm processing fees, insurance, taxes, legal/registration charges and any other costs with the bank.
Sources & verification (5 facts)
Estimate config

Checked 4 Oct 2026

Cash-secured Loan Get the money you need without using your savings Apply now! BCP Bank (Mauritius) offers you the credit facility of a loan secured against cash collateral, provided you have a savings plan with the Bank and your application for a loan is approved. With a Cash-secured Loan, keep your savings intact while borrowing at a favorable rate! That way, you can still save, on the one hand, while investing on the other hand! So, when you need some funds to finance a project, no need to put an end to any savings account you have with us and lose any benefits attached: just use your existing savings to back up your credit facility application. Who can apply? Any physical person of legal age bearing sufficient funds on a savings account or a fixed deposit. For what purpose? This facility can be taken as a credit guarantee in case you have an emergency, unexpected financial requirement or you need to react rapidly for an important purchase. With a savings-secured loan, you can finance your projects or use it to keep a readily available cash reserve. Benefits A competitive lending rate. You spare your savings without having to spare yourself the satisfaction of going ahead with a project. No need to put an end to your savings or fixed deposit before maturity. The Cash-secured Loan enables a privileged access to a loan, backed up by a reliable guarantee. How does it work? For a fixed deposit, you can choose between three repayment options Depreciable: you can repay the loan (capital and interest) at a time most convenient to you (monthly, quarterly, half-yearly). Capital: you repay only the interests monthly and settle the loan capital at the end. Capital and interest: you repay everything at one go (capital and interest) at the end of the loan term. Term The term of a Cash-secured loan is up to you and can be determined according to your needs and the purpose of the credit facility. The Bank will however establish the ideal term based on the nature of your application and your profile. Amount The Cash-secured loan amount depends on: your request, your repayment capacity, etc. Maximum amount can go up to 75% of your savings balance and up to 125% of your fixed deposit balance. Repayment You can choose the day of the month you would like to settle the reimbursement. Otherwise, by default, repayment due date is on the 28th day of every month. Guarantees Broadly speaking, your Savings account or fixed deposit acts as guarantee to a Cash-secured Loan. Our Key Strengths Proximity Bespoke Solutions Industry Expertise & Innovation International Footprint Strong Performance Loan Savings

Document: BCP Bank (Mauritius) Ltd: cash

Document section: Reviewed product terms

Website section: Loans / Cards

Bank breadcrumbs: Products → cash

Downloaded 4 Oct 2026, 19:56. Effective from: Not stated.

Where we found these terms (opens in a new tab)Open supporting document (opens in a new tab)

These are published terms, not a personalized offer. Final eligibility, pricing, and approval rest with the bank.

This opens the provider’s website. Your comparison answers are not sent to the provider. Any application is made there, under its own terms.

Report incorrect product information

Describe the published fact that may be wrong and optionally provide a public source URL. Do not include account numbers, personal quotes, contact details or other private financial information. Your report is sent to the review team.

Visit the official product page (opens in a new tab)