Lien Marking is the process where a bank or lender places a legal hold on a customer’s funds or assets, preventing them from being used until a specific obligation is fulfilled.
When a lien is marked, the account holder cannot withdraw or use the lien-marked amount because it is kept as security against a loan, guarantee, or obligation.
Banks use lien marking to ensure that they can recover dues if the borrower defaults.
"If you take a loan against an FD of ₹1 lakh, the bank marks a lien on that FD—meaning you cannot withdraw it until the loan is repaid."