Need Advice on the loan on investment.

Requirements --

need 10 lakhs for my personal need.

What i have --

15 Lakhs.

What i was thinking --

Deposit this 15 lakhs in NRE FD for two+ years in HDFC or ICICI Bank with a interest rate of 6.50% per annum. Taking a loan over the FD.

Is this a good idea? any alternate options? this is the only cash i have saved up all these years of work.