Project On HDFC Bank 1

1
A PROJECT REPORT ON
HDFC BANK IN LOANS DEPARTMENT
Bachelor of banking & insurance

Semester 5
Academic Year
2011-2012
Submitted By
ARTI .V. SONAR
Roll no: 39
Project Guide
Prof. PANKAJ PUROHIT
Shankar Narayan College of Art, Commerce &

Self Finance Courses
Mahavidyalaya Marg, Navghar, Bhayander (E) Thane:-401105
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A PROJECT REPORT ON
HDFC BANK IN LOANS DEPARTMENT
Bachelor of banking & insurance

Semester 5
Submitted
In partial fulfillment of the requirements
For the award of degree of banking & insurance
By
ARTI.V.SONAR
Roll no: 39
Project Guide
Prof: Pankaj Purohit
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SHANKAR NARAYAN COLLEGE OF ART & COMMERCE

DEPARTMENT OF MANAGEMENT STUDIES
DECLARATION
I Miss.ARTI.V.SONAR the student of BACHELOR OF BANKING &

INSURANCE Semester 5 (2011-12) hereby declare that I have
completed the project on. The information submitted is true and original
to the best of my knowledge.
Signature of Student
Name of Student: ARTI.V.SONAR

Roll No.:-39
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ACKNOWLEDGEMENT
Experience Is the Best Teacher
I would like to thank wholeheartedly, my Project Guide prof. Pankaj Purohit for
helping me continuously and for giving me moral support for preparing this
project.
It would be rather unfair on my part for not thanking my college, SHANKAR
NARAYAN COLLEGE.
Principal Dr. V.N.YADAV, coordinator Vivek Vankade for having shown their
continuous faith in me.
I am very grateful and would like to thank my Family and other Professors
of my college for having helped me day in and day out, I am also thankful to my
Friends for their continuous help in making the project
Lastly I feel greatly obliged and take the pleasure to thank to the Chairman, Shri. Rohidas
Patil, Shankar Narayan College, Thane for molding me into a management product.
ARTI.V.SONAR
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INDEX :
SR.No CONTENTS PG.No
1. What is Bank 06
2. Introduction to HDFC Bank 07
3. History of HDFC Bank 09
4. What is Loan 11
5. Types of Loan 12
1. New car loan
2. Health care loan
3. Education loan
4. Gold loan
5. Security loan
6. Personal loan
7. Home loan
8. Two wheeler loan
6. Questionnaire
62
7. Conclusion 65
8. Suggestions 66
9. Bibliography 67
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WHAT IS BANK:
A bank is a financial intermediary that accepts deposits & channels those deposits
into a lending activates, either directly or through capital markets. A bank connects
customer with capital deficits to customers with capital surpluses.
Banking is generally a high regulated industry, & government restrictions on

financial activates by banks have varied over time & location. The current set of
global bank capital standard is called Basel 2. In some countries such as Germany,
banks have historically owned major stakes in industrial corporations while in
other countries such as the United States bank are probhitied for owing non
financial companies. In Japan, banks are usually the nexus of a cross-share holding
known as the keiretsu. In Iceland banks have very light regulation prior to the 2008
collapse.
The oldest bank still in existence is Monte dei Paschid di Siena, headquartered in
Siena, Italy, which has been operating continuously since 1472.
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IIN
NTTR
ROOD
DUUC
CTTIIO
ONNT
TOOH
HDDF
FCCB
BAAN
NKK ::
HDFC Bank was amongst the first to receive an in-principle approval from the
Reserve Bank of India (RBI) to set up a bank in the private sector from Housing
Development Finance Corporation Limited (HDFC), in 1994 during the period of
liberalization of the banking sector in India. HDFC India was incorporated in
August 1994 in the name of HDFC Bank Limited. HDFC India commenced
operations as a Scheduled Commercial Bank in January 1995.
HDFC India deals in varieties of products like home loan, standard life insurance,
mutual fund, securities, credit cards, etc. HDFC has branch offices in all major
cities in India like Calcutta, Chennai, Delhi, Bangalore, Hyderabad, Ahmadabad
apart from HDFC Mumbai.
Headquarter HDFC Bank India :
Trade Star, 2nd floor, A Wing,
Junction of Kondivita and M.V. Road,
Andheri-Kurla Road,
Andheri (East), Mumbai 400 059.
Tel: (Board) 2822 0055 / 55516666 (Fax) : 2822 9998 / 2822 2414
Network: More than 468 branches over 212 cities across the country
ATMs: The ATMs of HDFC India can be accessed by all domestic and
international Visa/Master Card, Visa Electron/Maestro, Plus/Cirrus and American
Express Credit/Charge cardholders.
Authorized capital: Rs. 450 crore
Paid-up capital: Rs. 282 crore
Equity: Holds 24.2%
Listing: HDFC India has been listed on the Stock Exchange, Mumbai and the
National Stock Exchange. The banks American Depository Shares are listed on
the New York Stock Exchange (NYSE) under the symbol HDB.
HDFC Product Range
HDFC Bank India provides the following range of products:
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* Savings Account
* HDFC Bank Preferred
* Sweep-In Account
* Super Saver Account
* HDFC Bank Plus
* Demat Account
* HDFC Mutual Fund
* HDFC Standard Life Insurance
HDFC India innovative services
* HDFC Phone Banking
* HDFC ATM
* HDFC Inter-city/Inter-branch Banking
* HDFC Net Banking
* HDFC International Debit Card
* HDFC Mobile Banking
* HDFC Bill Pay
HDFC Bank Loans
* HDFC Personal Loan
* HDFC New Car Loan and Used Car Loan
* HDFC Loan against Shares
* HDFC Two Wheeler & Consumer Loan
* HDFC Home Loan
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HISTORY OF HDFC BANK:

HDFC Bank was incorporated in 1994 by Housing Development Finance
Corporation Limited (HDFC), India's largest housing finance company. It was
among the first companies to receive an 'in principle' approval from the Reserve
Bank of India (RBI) to set up a bank in the private sector. The Bank started
operations as a scheduled commercial bank in January 1995 under the RBI's
liberalization policies.
Times Bank Limited (owned by Bennett, Coleman & Co. / Times Group) was
merged with HDFC Bank Ltd., in 2000. This was the first merger of two private
banks in India. Shareholders of Times Bank received 1 share of HDFC Bank for
every 5.75 shares of Times Bank.
In 2008 HDFC Bank acquired Centurion Bank of Punjab taking its total branches
to more than 1,000. The amalgamated bank emerged with a base of about Rs.
1,22,000 crore and net advances of about Rs.89,000 crore. The balance sheet size
of the combined entity is more than Rs. 1,63,000 crore.
BUSINESS FOCUS :
HDFC Bank deals with three key business segments. - Wholesale Banking
Services, Retail Banking Services, Treasury. It has entered the banking consortia
of over 50 corporate for providing working capital finance, trade services,
corporate finance, and merchant banking. It is also providing sophisticated product
structures in areas of foreign exchange and derivatives, money markets and debt
trading and equity research.
Wholesale banking services :

Blue-chip manufacturing companies in the Indian corp to small & mid-sized
corporate and agri-based businesses. For these customers, the Bank provides a
wide range of commercial and transactional banking services, including working
capital finance, trade services, transactional services, cash management, etc. The
bank is also a leading provider offor its to corporate customers, mutual funds,
stock exchange members and banks.
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Retail banking services:

HDFC Bank was the first bank in India to launch an International Debit Card in
association with VISA (VISA Electron) and issues the MasterCard Maestro debit
card as well. The Bank launched its credit card business in late 2001. By March
2009, the bank had a total card base (debit and credit cards) of over 13 million. The
Bank is also one of the leading players in the merchant acquiring business with
over 70,000 Point-of-sale (POS) terminals for debit / credit cards acceptance at
merchant establishments. The Bank is positioned in various net based B2C
opportunities including a wide range of internet banking services for Fixed
Deposits, Loans, Bill Payments, etc.
Treasury:
Within this business, the bank has three main product areas - Foreign Exchange
and Derivatives, Local Currency Money Market & Debt Securities, and Equities.
These services are provided through the bank's Treasury team. To comply with
statutory reserve requirements, the bank is required to hold 25% of its deposits in
government securities. The Treasury business is responsible for managing the
returns and market risk on this investment portfolio.
Distribution network:
HDFC Bank is headquartered in Mumbai. The Bank has an nationwide network of
2000 branches spread in 996 towns and cities across India. All branches are linked
on an online real-time basis. Customers in over 500 locations are also serviced
through Telephone Banking. The Bank has a presence in all major industrial and
commercial centres across the country. Being a clearing/settlement bank to various
leading stock exchanges, the Bank has branches in the centres where the NSE/BSE
have a member base.
The Bank also has 5,998 networked ATMs across these towns and cities.
Moreover, HDFC Bank's ATM network can be accessed by all domestic and
international Visa/MasterCard, Visa Electron/Maestro, Plus/Cirrus and American
Express Credit/Charge cardholders.
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What Is Loan:
A loan is a type of debt. Like all debt instruments, a loan entails the redistribution
of financial assets over time, between the lender and the borrower.
In a loan, the borrower initially receives or borrows an amount ofmoney, called
the principal, from the lender, and is obligated to pay back or repay an equal
amount of money to the lender at a later time. Typically, the money is paid back in
regular installments, or partial repayments; in an annuity, each installment is the
same amount.
The loan is generally provided at a cost, referred to as interest on the debt, which
provides an incentive for the lender to engage in the loan. In a legal loan, each of
these obligations and restrictions is enforced by contract, which can also place the
borrower under additional restrictions known as loan covenants. Although this
article focuses on monetary loans, in practice any material object might be lent.
Acting as a provider of loans is one of the principal tasks for financial institutions.
For other institutions, issuing of debt contracts such as bonds is a typical source of
funding.
There are various kind of loan offered by HDFC Bank some of them are above:
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New Car Loans :
If you're thinking of buying a car, you need to look no further than HDFC Bank for
a car loan and assistance.
Small car?
Small car?
Or sheer luxury on wheels?
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Just decide on the make & model and our New Car Loan will bring it to your
driveway in no time. Our quick and easy car loans ensure that you don't waste time
on paperwork.
Features & Benefits :
Covers the widest range of cars and multi-utility vehicles in India.

Avail 100% finance on your favorite car.
Loan repayment tenure ranging from 12 to 60 months.
Borrow up to 3 times your annual salary (for salaries professionals) and 6
times your annual income (for self employed professionals)*.
Speedy processing - within 48 hours.
Repay with easy EMIs.
Attractive car loan plans - To fastrack your loan, just choose the plan that
is right for you.
Attractive interest rates.
Hassle-free documentation.
Customer Privileges :
If you have an HDFC Bank account holder, we have special rates for
you.
If you have a Preferred Account or a Corporate Salary
Account with HDFC Bank for more than 6 months, you can get fast
approvals on your loans with minimal documentation.
If you are an HDFC Bank Car Loan customer with a clear
repayment of 12 months or more we can Top-Up your car loan to
the extent of the original loan value.
.
Fastrack Your loan With Our Attractive Car Loans Plans:

Auto Loan Takeover Plan: If you are a salaried individual holding any of the
credit cards mentioned below, your loan gets processed faster.
Requirements:
Facility is available to only HDFC bank account holders (CASA).
All terms and conditions applicable for the used car product are applicable
for the Loan take over product.
Minimum 9 month old loan with any approved Financier with clear
repayment track record.
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Advantage platinum Credit Card Plan:

If you are a salaried individual holding any of the credit cards mentioned below,
your loan gets processed faster.
HDFC Bank International Credit Card.
Citibank Gold.
Citibank Diners.
HSBC Gold.
ANZ Grind lays Gold.
American Express Gold Card.
American Express Charge Card.
Standard Chartered Gold.
Contract copy and salary slip of NRI.

Endorsement on passport for last 3 years.
Proof of ownership of property.
Post-dated cheques must be from the resident account of the borrower.
No Income-Document Loan Plan: Now, you can get a car loan without
proof of income.
Under this scheme, you get the loan amount up to 60% of the car invoice
value.
The tenure of loan can be a maximum of 3 year.
100% Loan Plan with Fixed Deposit Lien: This allows you to take a loan
against your deposit at HDFC Bank.
You can get a loan for 100% of the invoice value amount with the required
margin placed as a fixed deposit in HDFC Bank.
Lein is marked on the specified Deposit .Installments can be paid separately
or out of the deposit (if the deposit is large enough).
NRI Loans: NRIs can avail of new car loans from HDFC Bank for the use of the
vehicles by their relatives in India. Additional documents required are as follows:
Contract copy and salary slip of NRI.
Endorsement on passport for last 3 years.
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Proof of ownership of property.

Post-dated cheques must be from the resident account of the borrower.
Past re-payment history :

Plan for customers who have taken a car loan and have repaid that loan
fully without any outstanding.
Credit approval on the basis of past re-payment record.
Approval Plan: If you have an HDFC Bank Preferred Account or a

Corporate Salary Account with HDFC Bank for more than six months, you
can get fast approvals on your loans with minimal documentation.
Eligibility & Documentation :
Salaried Individual :
Eligibility :
Minimum age of Applicant: 21 years.
Maximum age of Applicant at loan maturity: 58 years.
Minimum employment: 1 year in current employment and minimum 2 years
of employment.
Minimum Annual Income: Rs 100000 net annual income.
Telephone: Must at residence
Documents required:
Proof of Identity:- Passport copy, PAN Card, Voters Id car, driving
licence(Laminated, Recent, Legible).
Income Proof:- Latest salary slip with form 16.
Address Proof:- Ration card/Driving license/Voters card/passport
copy/telephone bill/ electricity bill/Life insurance policy PAN Card.
Bank statement Not Mandatory.
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Self Employed:
Eligibility Criteria:
Minimum age of Applicant: 21 years.
Maximum age of Applicant at loan maturity: 65 years.
Minimum employment: At least 3 years in business.
Minimum Annual Income: Net profit Rs. 60000 p.a for standard cars and
Rs.100000 p.a. for mid-sized and premium cars.
Telephone: Must at residence.
Documents required:
Proof of Identity:- Passport copy, PAN Card, Voters Id car, driving licence(
Laminated, Recent, Legible)
Income Proof:- Latest ITR.
Address Proof: - Ration card/Driving licence/Voters card/passport
copy/telephone bill/ electricity bill/Life insurance policy PAN Card.
Bank Statement:- Waived for small cars, for mid - sized and premium cars if
income Is greater than Rs. 1.5 lacs then bank statement requirement can be
waived.
Partnership Firms :
Minimum Income: Net profit Rs. 60000 p.a for standard cars and
Rs.100000 p.a. for mid-sized and premium cars.
Minimum turnover: Turnover Rs. 4.5 lacs.
Telephone: One phone at least at business and at residence of the loan
executing partner.
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Documents required:
Proof of Identity:- NA.
Income Proof:- Audited balance sheet, Profit & Loss Account for latest two
years and the latest 2 years IT returns of the company.
Address Proof:- Telephone Bill/Electricity Bill/Shop & Establishment Act
certificate/SSI registered certificate/Sales Tax certificate.
Bank Statement:- Waived for small cars, for mid - sized and premium cars if
income Is greater than Rs 1.5 lacs then bank statement requirement can be
waived.
Private Limited Company :
Minimum Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000
p a for mid-sized and premium cars.
Minimum turnover: Turnover Rs 4.5 lacs.
Telephone: One phone at least at business premises.
Documents required:
years and the latest 2 years IT returns of the company.
certificate/SSI registered certificate/Sales Tax certificate.
Bank Statement:- NA
Public Limited Company :
Minimum Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000
p a for mid-sized and premium cars.
Minimum turnover: Turnover Rs 4.5 lacs.
Telephone: One phone at least at business premises.
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Documents required:
years.
certificate/SSI registered certificate/Sales Tax certificate
Bank Statement:- NA.
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Health Care Finance :
Loans Offered:
Asset / Medical Equipment Finance : For purchase of CT Scanners, Color
Dopplers, Sonography Machines, MRI, X-Ray Machines, and other medical
equipment.
Infrastructure Loan: For purchase of new premises for setting up of
Clinics, Diagnostic Centers and Hospitals.
Corporate Term Loan: To provide term loan for the functioning of the
Healthcare entity, hospital or clinic.
Balance transfer of existing Term Loan or Working Capital : To transfer

an existing term loan from the old bank to our bank.
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ME-OD Facility: Healthcare customers can avail OD limits for their

working capital requirement against the total credit card swipes made per
month on HDFC Bank Credit Card terminal installed in their facility.
Working Capital Requirement : We provide working capital facility by
way of Cash Credit, Overdraft or Demand Loan for funding day-to-day
operational requirements like purchase of consumables, maintenance, salary,
etc.
Who can Avail This Loan?

Nursing Homes, Diagnostic Centers, Pathology Lab Centers, Specialty
Clinics like Skin & Dental, Dialysis Centers, Endoscopy Centers, Hospitals,
and IVF Centers.
Medical Education Institutes like medical/paramedical colleges, dental
colleges.
Large Medical Equipment Dealers.
Medical Equipment Manufacturers.
Medical Consumable Dealers.
Pharmacy Manufacturers.
Loan Features / Benefits:

Complete Solution for Healthcare Industry with Equipment Finance, Project
Finance, Working Capital Limits, BGs, Letter of Credit, Buyers Credit,
FCNR funding, etc.
Customized and structured solutions within regulatory norms based on client
requirements.
Tenure ranging from 12 months to 84 months as per project requirement.
Comprehensive solutions at competitive pricing which gives opportunity for
balance transfers from other financial institutions.
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Educational Loan :
With HDFC bank student education loans, pursue your dream higher studies
without worrying for financial assistance. We provide student education loans for
all Graduate, Post-Graduate, Engineering, Medical, MBA, Vocational Courses
(Multi-Media, ERP) offered by recognized institutions in India. No more running
from pillar to post for availing student loans! Our friendly sales managers will
guide you in every step to make your dreams into reality.
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Features &Benefits Indian Education:

Student Loans Up to Rs. 15 Lakhs for education In India.
Unsecured Lending Up to INR 7.5 Lakhs.
No Collateral or Third Party Guarantee.
Wider Range Of Collateral For Loans Above INR 7.5 Lakhs.
Residential Property.
HDFC Bank Fixed Deposit.
LIC/NSC/KVP.
Loan available up to tenure of 7 years including moratorium period.
Repayment to start 1 year after course completion / 6 months after obtaining
employment (whichever is earlier).
Loans available for short duration/ job oriented courses also.
Avail the tax rebate, offered under section 80-E of the Income Tax Act
1961* for the entire interest amount paid towards your education loan.
Loans available for other course related expenses also!
Special Privileges:
Loans available for other course related expenses also!
Loans disbursed directly to the educational institution as Per the Fee
Schedule.
Insurance Protection from HDFC ERGO.
Gateway to Other Banking Products and Services.
Savings Account.
Eligibility:
You need to be a Resident Indian.
You should be aged between 16 - 35 yrs.
Collateral is required for all loans greater than Rs. 7.5 Lakhs.
All Loans require a co-applicant.
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Fees Charges for Educational Loan:
Description of charges Educational loan
Loan Processing Charges Up to a maximum 2% of the loan amount
Prepayment (up to 6 months of No pre-payment permitted

repayment )
Pre-payment charges (after 6 months Up to 4% of the Principal Outstanding
of repayment)
No Due Certificate / No Objection Nil
Certificate (NOC)
Solvency Certificate Not applicable
Charges for late payment of EMI @ 24 % p.a. on amount outstanding from
date of default
Credit assessment charges Not applicable
Non standard repayment charges Not applicable
Cheque swapping charges Up to Rs. 500/- per event
Loan Re-Booking /Schedulement Up to Rs. 1000/-
Charges
Bounce Cheque Charges Up to Rs. 450/- per Bouncing
Legal / incidental charges At actual
Stamp Duty & other statutory charges As per applicable laws of the state
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Subsequent Loan Disbursements :
Avail the subsequent disbursements from the convenience of your home. Keep the
following documents ready, our executive will collect the same from your door-
step for priority processing.
Documents Required:
Subsequent Disbursement Request Letter from Applicant or Co-Applicant.
University Fee Demand Letter.
Applicant's Academic Progress Report (Previous Semester).
Revised Repayment Instructions - PDCs / ECS / SI plus 3 security PDCs in
case of ECS and SI mode of repayment.
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Educational Loan Abroad :
With HDFC Bank student education loans, pursue your dream studies abroad
without worrying for financial assistance. We provide student education loans for
graduate, post-graduate, MBA, Medical, Engineering, Vocational courses offered
by recognized universities in abroad. HDFC Bank student education loans offers
plethora of other benefits such as "NRE Account, Special Pricing on Inward &
Outward Remittances, Travel & Health Insurance etc to let the student focus only
on his /her studies. No more running from pillar to post for availing student loans!
Our friendly sales managers will guide you in every step to make your dreams into
reality.
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Features & Benefits Education Abroad :

Student Loans Up to Rs. 20 Lakhs for education abroad.
Unsecured Lending Up to INR 7.5 Lakhs.
No Collateral or Third Party Guarantee.
Wider Range Of Collateral For Loans Above INR 7.5 Lakhs.
Residential Property.
HDFC Bank Fixed Deposit.
LIC/NSC/KVP.
Loan available upto tenure of 7 years including moratorium period.
Repayment to start 1 year after course completion / 6 months after obtaining
employment (whichever is earlier).
Avail the tax rebate, offered under section 80-E of the Income Tax Act
1961* for the entire interest amount paid towards your education loan.
Special Privileges :
Service at Your Door Step.
Loans disbursed directly to the educational institution as Per the Fee
Schedule.
Insurance Protection from HDFC ERGO.
Exclusive Offer on Other Banking Products and Services.
NRE- Savings Account.
Special Tariff on Telegraphic Transfers and Demand Drafts.
Student Travel Card.
Eligibility :
You need to be a Resident Indian.
You should be aged between 16 - 35 yrs.
Collateral is required for all loans greater than Rs. 7.5 Lakhs.
All Loans require a co-applicant.
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Fees & Charges Of Educational Loan :
Description of charges Educational loan

Loan Processing Charges Upto a maximum 2% of the loan amount
Prepayment (upto 6 months of No pre-payment permitted

repayment )
Pre-payment charges (after 6 months Upto 4% of the Principal Outstanding
of repayment)

Certificate (NOC)
Charges for late payment of EMI @ 24 % p.a. on amount outstanding from
date of default
Cheque swapping charges Upto Rs. 500/- per event
Loan Re-Booking / Re-Schedulement Upto Rs. 1000/-
Charges
Bounce Cheque Charges Upto Rs. 450/- per Bouncing
Stamp Duty & other statutory As per applicable laws of the state
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Loans Against The Gold:
Let the gold add glitter to your life. Unlock the value of your gold while you
continue to own it.
With HDFC Bank's Gold Loan, you can get an instant loan against your gold
jewellery and ornaments. The procedure is Quick, Easy and Safe.
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Avail Loan up to Rs.10, 00, 000 & up to 90% of value.
Safety & Security of your Gold Jewellery.
ATL - Anytime Liquidity.
No EMI, Service only Interest and enjoy the Loan facility.
Lower Interest Rates - Your savings can be invested in several Investment
Avenues.
If you are an HDFC Bank customer, we have special rates for you!!!

You may be a salaried individual, professional or a businessman, we have loan
designed to suit your requirement.
Eligibility Criteria :
Maximum age of Applicant at loan application should not be more than 65
years.
Gold Jewellery should be owned by you or any of the family member.
Documents Required:
Proof of Identity (Passport Copy/ Voters ID card/ Driving License).
Address Proof (Ration card/ Tel, Electricity. Bill/ Rental Agr. / Passport
copy/Trade license /Shop & EST License. /Sales Tax certificate).
Signature Proof (Passport Copy/Driving License/Banker's
verification/cheque).
2 passport size photographs.
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Fees & Charges For Gold Loan :

Description of charges Gold loan
Loan Processing Charges Upto 1% of Loan Amount
Valuation Fee Upto Rs 350

Certificate (NOC)
Duplicate no due certificate / NOC Not Applicable
Solvency Certificate Not Applicable

Charges for late payment of loan amount 2% p.a. as penal interest over and above applicable
rate of interest.
Charges for changing from fixed to Not Applicable
floating rate of interest
Charges for changing from floating to Not Applicable
fixed rate of interest
Credit assessment charges Nil
Non standard repayment charges Not Applicable
Outstation clearing charges Not Applicable
Cheque swapping charges Not Applicable
Loan cancellation / re-booking charges Not Applicable
Bounce Cheque Charges Not Applicable
Statement Charges (per statement) Not Applicable
Duplicate Repayment Schedule charges Not Applicable
Legal, Repossession & Incidental charges As incurred by the Bank
Renewal Processing Fees Rs.500
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Overdraft Against Gold Jewellery :
Unlock the value of your Gold Jewellery while you continue to own it.
Get HDFC Bank's Overdraft against Gold Jewellery with flexible repayment
option and No EMI.
It is a simple overdraft facility with all the features of a bank account
So instead of keeping your jewellery in the locker, use the value of your asset to
meet your business or personal needs
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Features &Benefits :
Loan up to 70% of value
Loan up to Rs. 20 Lacs*
Attractive rate of interest
No monthly installments
Quick processing of loan
Simplified documentation
Interest charged only on utilization.
Additional Features:
Free personalized cheque book
Free International Debit Card
Free Net Banking, Phone Banking facility
Resident Individuals
Hindu Undivided Families (Only HUF as borrower)
Sole Proprietor
Partnership Firms (Jewellery belonging to Partners / his family)
Private Limited Companies (Jewellery belonging to directors / his family).
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Documents Required :
Photo should match with the one on AOD/AOF and should be visible clearly on
the proof. Identity proof should be valid and not expired. Signature on the
signature proof should match with the signature on AOD/AOF. Address on the
address proof should match with the address on the AOF/AOD .All identity,
signature, address proof should be valid and not expired. All id proof should
mandatorily have name and photo. All address proof to have name and address. All
signature proofs to have the name and signatures and the unique number of the said
document.
Sr.No Description Id Address Signature

Proof Proof Proof
Applicable (Yes/No)
1 Passport [not expired] Yes Yes Yes
2 Arms License issued by the State/Central Yes Yes* Yes**
Govt. of India containing photograph of
the applicant. (*Can be accepted as
address proof if it carries the address)
(**Can be accepted as Signature proof if
it has signatures)
3 Permanent Driving license [not expired] Yes Yes Yes
4 Pension payment card issued by Yes Yes Yes
State/Central Govt. of India with
photograph of the applicant
5 Ration Card with/without IRIS scaalong Yes Yes Yes
with photograph as prevalenin the
respective states
6 Banker's Verification of Photograph & Yes Yes Yes
signature as per banks existing format
from an existing Bank under the sign and
seal of the Bank Official or from Post
Office where customer has an account. In
case of post office the verification to be
signed by the Post Master under his sign
& seal. It should not be more than 3
months old.
.
7 Photo Social Security card issue by Yes Yes Yes
Central/State/Union Territories
8 Election /Voters card (*Can be accepted Yes Yes* No
T.Y.B.B.I
34
as address proof if it carries the address)

9 Bank passbook with photograph attested Yes Yes No
by Bank Official & official seal. Passbook
should be updated in the last 3 month.
10 Certificate with Photo & address from Yes Yes No
local Govt body.(
Tehsildar/Sarpanch/Municipality /Class 1
Gazetted officer /Commissioner etc.)
11 Photo Debit/ Credit Card (* Can be Yes No Yes*
accepted as signature proof if it carries the
signature on the face of the card)
12 MAPIN card [issued by NSDL] Yes No Yes
13 PAN card Yes No Yes
14 Photo ID card issued by any of the Yes No Yes*
following organizations/Institutions
1. Central Government or any of its

Ministries.
2. Statutory / Regulatory authorities
3. State Govt. or any of its Ministries
4. Public Sector Undertaking (established
under GOI or State Govt)
5. State Govt. of J&K
6. Bar council
7. Senior Citizen card issued by
State/Central Govt.
8. Govt. of India to Persons of Indian
Origin [PIO card]
9. Defence Dept / Ministry of defence for
Defence personnel & their dependants
10. Public Financial institutions
11. Identity card issued by Super A and
Cat A companies with Employee id
mentioned on the identity card.
(*Can be accepted as Signature proof if it
carries the signature)
15 Photo ID card issued by Yes No No
ICWAI/ICAI/ICSI/Indian Medical
Association
T.Y.B.B.I
35
16 The covering letter accompanying the No Yes No

PAN card at the time of issuance should
be accepted along with the PAN card.
17 Telephone bill/Electricity bill of Public No Yes No
and approved Private operators in the
State [Not older than 3 months]
18 Bank account statement /Bank Passbook No Yes No
of a PSU / Private Sector / Foreign bank
[Not older than 3 months]
19 Demat account statement with address- No Yes No
should not be more than 3 months old.
HDFC Bank Demat a/c statement can be
accepted.
20 Post office pass book with full address No Yes No
21 Letters of correspondence from No Yes No
Professional Bodies like
ICAI/ICWAI/ICSI/Indian Medical
Association etc showing the current
address. The same should match the
address on application form. To be taken
along with Id card issued by these
Associations
22 Income tax assessment order with No Yes No
address, should pertain to assessment of
income of last financial year
23 Letter / Monthly outgoings bill (only from No Yes No
Registered societies)
24 Copy of title deeds (Wherein original title No Yes No
deeds are registered and stamped)
25 Land Patta/Jamabandi / 7/12 extract No Yes No
26 Lease/ Leave & license agreement / Rent No Yes No
agreement copy duly stamped (to be
stamped whereas per state laws it is
mandatory) accompanied by CPV. The
agreement should be on Rs 100/- stamp
paper and the agreement should be at least
3 months old from the date of loan
application.
27 Latest Property tax bill / Property tax paid No Yes No
T.Y.B.B.I
36
Receipt
28 Municipal/Corp/Panchayat/Tax Payment No Yes No
Receipt of last one year
29 Mobile post paid bill of public / private No Yes No
operators in the State.
30 Printed consumer gas connection card / No Yes No
book OR latest pipe gas bill.
31 Domicile certificate with communication No Yes No
address issued by Municipal Corporation.
32 Certificates issued by Mandal revenue No Yes No
officer. "Mandal Revenue Office " is
State Governing Body "based on this
"House Hold Card "are issued
33 Latest Credit Card Statement with CPV at No Yes No
the same address. Statement not more
than 2 months old
34 Address on Employers Letter Head, duly No Yes No
signed & stamped by appropriate
Authority and CPV done for Super A and
Cat A companies only. Letter should not
be more than 3 months old. Applicable
only for company provided
accommodation.
35 Insurance policy or premium receipts of No Yes No
the address in question. This includes Life
as well as Non Life insurance policies for
both Governments undertaking as well as
Private Operators.
36 SSI and Shops & Establishment Act No Yes No
Registration certificate may be accepted
provided the mailing address is the same
as the Shop / office / Factory & confirmed
by CPV.
37 House Allotment letter issued by the No Yes No
Central/State government authorities
mentioning the name and address of the
applicant.
38 Senior citizens card issued by the State No Yes* Yes**
/Central Govt. of India (*if it carries
T.Y.B.B.I
37
address)(** if it carries signature)

39 Photo ID card with photograph (issued by No Yes* Yes**
J&K & Goa State Govt.) (*if it carries
address)(** if it carries signature)
40 IRIS scanned household Card with No Yes Yes*
photograph (issued by Andhra Pradesh.
govt.)(*if it carries signature)
41 Additional Address Proofs: Defence No Yes No
Accounts (Indian Army, Navy & Air
Force)
Transfer / Movement order issued by the

defence ministry / unit of defence
ministry mentioning the name and address
of the applicant.
House Allotment letter issued by the

defence ministry / unit of defence
ministry mentioning the name and address
of the applicant.
Certificate on the defence letterhead

issued by the defence ministry / unit of
defence ministry mentioning the name
and address of the applicant.
Fees & Charges for Overdraft against Gold Jewellry :

Description of charges Overdraft AganistGold Jewellry
Loan Processing Charges 1.50% or Rs 750/-, whichever is higher
Gold Deposit Charges Rs 5 per gram of gross weight of gold

charged every year.
Interest Debit Interest is calculated on the amount
utilized & debited in the Current Account
every month.
Renewal Fees Rs.500
T.Y.B.B.I
38
Annual Maintenance Charge (AMC) Nil
Charges on drawing in excess of Penal interest 18% p.a. plus tax on the
Limits (due to application of interest or amount drawn in excess of the Limit.
revaluation of portfolio under pledge) This will be calculated on a daily product
basis.
Important Note:
Monthly interest charge has to be
serviced in full by way of credit to the
Overdraft Account in the immediately
following month, failing which the
Accounts are liable to be classified as
NPA. In such cases, Bank will exercise
its right to sell / redeem the gold in the
market after providing reasonable notice
to Clients.
T.Y.B.B.I
39
Prepayment Charges Nil

Valuation Fee Nil
Certificate (NOC)
Duplicate no due certificate / NOC Not Applicable
Cheque Book Charges Up to 100 cheque leaves issuance FREE

per month. Additional cheque leave
during the month will charge @ Rs 2/-
per leaf.
Credit assessment charges Nil

Non standard repayment charges Not Applicable
Legal, Repossession & Incidental As incurred by the Bank.
charges
T.Y.B.B.I
40
Loans Against Securities :
Get liquidity from your investments, without selling them.
T.Y.B.B.I
41
Features & Benefits:

You can enjoy the benefits of your securities and still avail a loan on the
same.
No EMIs.
No Post Dated cheques.
No Pre-payment charges.
Interest charged only on utilized amount.
Exhaustive number of approved securities.
Upto 80% Loan.
Simple and speedy processing.
Term Loan facility also available against select securities.
Overdraft facility can be availed against pledge of:

Equity Shares* - Demat Shares up to 50% of the value.
See approved scrips.
Mutual Fund units* - Mutual Funds up to 50% of NAV (Net Asset
Value). See approved Mutual Fund Schemes.
Gold ETF.
NABARD's Bhavishya Nirman Bonds.
RBI Bonds (8% Savings Bonds 2003 (Taxable).
Life Insurance Policies issued by LIC & Select Private Insurance
Companies See approved Life Insurance Policies.
National Savings Certificate (NSC).
Kisan Vikas Patra(KVP).
Gold Deposit Certificates (GDC).
Non Convertible Debentures.
* The contribution of single scrip should not exceed 65% of the total portfolio
value at any point of time during the tenure of the account. Loan is sanctioned as
per applicable internal policy of the Bank.
T.Y.B.B.I
42
Single Scrip Lending - up to 50% of the value with any Depository

Participant.
Minimum loan amount: Rs. 2,00,000/-
Pay interest only on the amount outstanding and only for the time you use it.
Interest is calculated on the daily outstanding balance and debited to your
account every month end.
"With effect from 1st Jan 2011, the interest rates in Loan against Securities (LAS)
A/cs are linked to Base Rate. Any movement in Base Rate of the Bank would have
a similar impact on the Rate of Interest in LAS A/c"
Shares can be pledged from any Depository (NSDL or CDSL) and any
Depository Participant across the country
Loan available to NRIs against Shares, Mutual Funds (equity, Debt, FMPs),
Insurance Policies, NSC, KVP.
To receive the overdraft amount, a Current Account with an overdraft limit
is created in your name. This entitles you to all the Current Account benefits
like FREE International Debit Card, FREE Phone Banking, FREE Net
Banking.

Eligibility Criteria : The eligibility criteria for Loan Against Securities
are:
You must be a resident of India .On selected securities, loans can be given to
Hindu Undivided Families, NRIs, companies, sole proprietorship or
partnership firms(*Conditions Apply) .Loans cannot be given to minors,
Trusts.
You can pledge securities from the Bank's approved list only.
Approved Demat Shares.
Approved Mutual Funds (Equity, Debt, FMPs).
Gold ETF.
NABARD's Bhavishya Nirman Bonds.
RBI Bonds (8% Savings Bonds 2003 (Taxable).
Approved Life Insurance Policies issued by LIC.
Approved Life Insurance Policies issued by Select Private
Insurance Companies.
National Savings Certificates (NSC).
T.Y.B.B.I
43
Kisan Vikas Patra (KVP).

Gold Deposit Certificates.
Non Convertible Debentures
Securities should be in the name of eligible borrowers (Securities in the

name of minors, Trusts, partly paid up or shares in the name of individuals
in companies of which they are Directors/ Promoters cannot be accepted).
Documents Required:
Proof of Identity
Signature Proof.
Address Proof.
Audited Balance Sheet, Profit & Loss Account for latest two years and latest
2 years IT returns in case of Companies/Proprietorships/Partnership firms.
The loan is granted only for personal purposes. Loan Amount cannot be
used for speculative activities or any purpose linked to capital market
activities or for any anti social purposes. All credit is at the absolute
discretion of HDFC Bank.
T.Y.B.B.I
44
Fees & Charges For Loans Against Securities :

Overdraft facility:
Description of charges Loans against security
Processing Charges Upto 2% of the overdraft limit with

minimum of Rs.1250/- at the time of setting
up the limit or enhancement or annual
renewal. (In case of mid-term enhancement
of limits, processing fees will be charged
only on a pro-rata basis)
Pre-payment charges Nil
Duplicate no due certificate / NOC Nil

Certificate (NOC)
Charges for changing from floating Not Applicable
to fixed rate of interest
Stamp duty & other statutory As per the rates applicable at the place of
charges execution of Loan Agreement
Annual Maintenance Charge(AMC) Upto 0.5% of the overdraft limit with
minimum of Rs. 500/- subject to maximum
of Rs. 10,000/-.
Rs.500/- for accounts where AMC was

defined as NIL at the time of execution of
Loan Agreement. Minimum Rs. 500/- and
maximum Rs. 10,000/- where AMC has
been set as a percentage of the Limit
T.Y.B.B.I
45
Charges on drawings in excess of \Penal interest 18% p.a. plus tax on the
Limits ( due to application of interest amount drawn in excess of the Limit. This
or revaluation of portfolio under will be calculated on a daily product basis.
pledge)
Charges for realization of proceeds Rs. 100/- Per Certificate subject to a
on maturity in respect of RBI Bonds minimum of Rs. 250/- per request
Charges for collection of proceeds on Rs. 100/- per Policy, subject to a minimum
maturity/ survival benefit/ surrender of Rs. 250/- per request
benefits in respect of Life Insurance
Policies
Charges for collection of proceeds on Rs. 50/- per certificate subject to a
maturity of NSC / KVP minimum of Rs. 250/- and a maximum of
Rs. 1500/- per collection on maturity. In
case the securities have to be encased due
to default, charges will be Rs. 25/- per
certificate.
Rs. 500/- per instruction
Charges for realization of proceeds
on maturity in respect of Fixed
Maturity Plans (FMPs)
Sale of security in the event of All brokerages, transaction charges and
default other levies as per actual
Legal & incidental charges As per actual.
Cheque Book Charges Upto 100 Cheque leaves issuance FREE
per month. Additional cheque leaves
during the month will be charged @ Rs. 2/-
per leaf
TRF Processing Charges Rs.10/- Per TRF
Charges in case limit Drops to Zero Rs.500/- per month
T.Y.B.B.I
46
Personal loans:
Fast and Easy Personal Loans

A dream vacation?
Son's admission to a medical college?
Daughter's wedding?
Business Expansion / Working Capital requirement?
Whatever the occasion, our range of Personal Loans can help. The procedure is
simple, documentation is minimal and approval is quick.
T.Y.B.B.I
47
Personal Loan Features & Benefits:
Borrow up to Rs 15, 00,000 for any purpose depending on your

requirements.
Flexible Repayment options, ranging from 12 to 60 months.
Repay with easy EMIs.
One of the lowest interest rates.
Hassle free loans - No guarantor/security/collateral required.
Speedy loan approval.
Convenience of service at your doorstep.
Customer privileges :
If you have an HDFC Bank salary account holder, we have a special
offer.
If you are an existing Auto Loan or Home Loan customer with a
clear repayment of 6 months or more from any of our approved
financiers or us, you can get a hassle free personal loan (without
income documentation).
If you are an existing HDFC Bank Personal Loan customer with a
clear repayment of 9 months or more, we can Top-Up your personal
loan.
Credit Shield :
In case of death or total permanent disability of the loanee, the

loanee/nominee can avail of the Payment Protection Insurance (Credit
Shield) which insures the principle outstanding on the loan up to a maximum
of the loan amount. Principle outstanding is defined as the amount of loan
outstanding (not including any arrears in payment or interest thereon) at the
Date of Loss, having accounted for payments made and interest accruing as
determined in the Policy. Hence, the amount covered does not include any
principal added because of non - payment of EMI and also will not include
interest/ accrued charges.
T.Y.B.B.I
48
Personal Accident Cover

In order to ensure that your family is taken care of we also offer a Personal
Accident cover of Rs. 4,00,000 at a nominal premium.*
* Premium will be charged for both these products which will be deducted
from the loan amount at the time of disbursal. A transaction fee of Rs.750
will also be deducted at the time of disbursal. Additionally, Service tax @
10% and Education cess of 3% will be charged.
Salaried Individuals.
Self employed (Professionals).
Self Employed (Individuals).
Self Employed (Pvt Cos and Partnership Firms).
Salaried Individuals : include Salaried Doctors, CAs, employees of select

Public and Private limited companies, Government Sector employees including
public sector undertakings and central, state and local bodies.
Mnimum age of Applicant: 21Years.
Mnimum age of Applicant at loan Maturity: 60 Years.
Mnimum Employment: Mnimum 2 Yrs in Employment & Mnimum 1Year
in current Organization.
Minimum net monthly income Rs.10, 000 per month (Rs. 15,000 in
Mumbai, Delhi, Bangalore, Chennai & Hyderabad & Rs. 12,000 in
Calcutta, Ahmadabad & Cochin.
Document Required :
T.Y.B.B.I
49
Proof of Identity (Passport Copy/ Voters ID card/ Driving License.

Address Proof (Ration card Tel/Elect. Bill/ Rental agr. / Passport
copy/Trade license /Est./Sales Tax.
Bank statement (latest 3 months bank statement 6 month pass book).
Latest salary slip or current dated salary certificate with latest form 16.
Self Employed (Professional): Include self employed Doctors, Chartered

Accountants, Architects, Company Secretaries.
Mnimum age of Applicant: 25Years.
Mnimum age of Applicant at loan Maturity: 65 Years.
Mnimum Annual Income: Rs. 100000 p.
Year in business: 4 to 7 years depending on profession.
Documents Required :
Proof of identity (Passport Copy / Voters ID card / Driving License).
Address Proof (Ration card Tel/ elect. Bill/ Rental agr./Passport copy /
Trade license/Est./Sales tax certificate).
Bank Statements (latest 6 months bank statement /pass book.)
Latest ITR along with computation of income , B/S & P&L a/c for the last
2yrs. certified by a CA.
Qualification proof of the highest professional degree.
T.Y.B.B.I
50
Fees & Charges For Personal Loan :
Description Of Charges Personal Loan
Rack Interest Rate Range Self Employed Businessmen - 17.50%

to 22.00%
Self Employed Profession - 14.50% to
15.00%Salaried - 15.50% to 22.00%
Loan Processing Charges Up to 2.50% of the loan amount subject

to a minimum of Rs. 1,000/-
Prepayment Salaried - No pre-payment permitted

until repayment of 12 EMIs
Self-employed - No pre-payment
permitted until repayment of 6 EMIs
Pre-payment charges Salaried - 4% of the Principal

Outstanding after repayment of 12 EMIs.
For top-up/enhancements - 2% of the
Principal Outstanding
Self-employed - 4% of the Principal
Outstanding after repayment of 6 EMIs
No Due Certificate / No Objection NIL

Certificate (NOC)
Duplicate no due certificate NOC Rs 250/-
T.Y.B.B.I
51
Charges for late payment of EMI @ 24 % p.a on amount outstanding from

date of default
Charges for changing from fixed to Not applicable

Charges for changing from floating Not applicable

to fixed rate of interest
Stamp Duty & other statutory As per applicable laws of the state
charges
Cheque swapping charges Rs 500/- per event
Loan Re-booking charges / Re- Rs 1000/-

scheduling charges
Loan cancellation charges Rs. 1000/-
Cheque Bounce Charges Rs 450/- per cheque bounce
T.Y.B.B.I
52
Home Loan :
Looking for Hassle Free Home Loans?
A two-bed apartment?
The sea-facing penthouse?
Or just the right piece of land to build your dream house?
HDFC Bank brings HDFC home loans to your doorstep. Over 3 decades of
exclusive experience, a dedicated team of experts and a complete package to meet
all your housing finance needs, HDFC Home Loans, help you realize your dream.
T.Y.B.B.I
53
The HDFC Advantage :
Pioneers of Housing Finance in India with over 33 years of lending

experience.
Widest range of Home Loan Products.
Most experienced and empowered personnel to ensure smooth & easy
processing.
Counseling and advisory services for acquiring a property.
Loan from any office for purchase of home anywhere in India.
Loan approval even before a property is selected.
Flexible loan repayment options.
Free & safe document storage.
Home Loans Features & Benefits :
Home Loan: Home loans for individuals to purchase (fresh / resale) or

construct houses. Application can be made individually or jointly. HDFC
finances up to 80% of the cost of the property (including the cost of the
land) based on the repayment capacity of the customer.
Home Improvement loan: The interiors of any home reflect the
personal preferences and tastes of its owners making it imperative to
constantly upgrade to keep up with changing times. HIL facilitates internal
and external repairs and other structural improvements like Painting,
Waterproofing and Roofing, Plumbing and Electrical Works, Tiling and
Flooring, Grills, Aluminum Windows compound walls and much more.
HDFC finances up to 85% of the cost of improvement. This is however
subject to 80% of market value as assessed by HDFC.
Home Extension Loan: HEL for adding more space to your existing
home for meeting the requirements of your growing family be it an extra
bedroom for your children, a reading room for yourself or a cozy coffee
corner. It is easy to extend your home anyway you like. HDFC finances up
to 85% of the cost of extension. This is however subject to 80% of market
T.Y.B.B.I
54
value as assessed by HDFC.

Land purchase Loan: Be it land for a dream house, or just an
investment for the future, HDFC Land Purchase Loan is a convenient loan
facility to purchase land. HDFC finances up to 80% of the cost /value of the
land (Conditions Apply). Repayment of the loan can be done over a
maximum period of 15 years.
Choose from Fixed Rate or Floating Rate: with options to structure
your loan as Partly Fixed or Partly Floating.
Flexible repayment options: to suit your individual needs.
Loan cover Term Assurance Plan : HDFC Standard Life Insurance
Company Ltd. offers an insurance plan*, which is designed to ensure that
life's uncertainties do not affect your family's interests and your precious
home. LCTAP provides a lump-sum payment on the unfortunate demise of
the life assured.
This pure risk plan is designed in a way that the cover decreases as you repay your
home loan making it a low cost premium insurance plan.
Automated Repayment of Home loan EMI : You can give us
standing instructions to repay your Home Loan EMIs directly from your
HDFC Bank Savings Account, thus, saving you the trouble of procuring,
signing and tracking post-dated cheques.
Customer privileges : If you are an existing HDFC Home Loan
customer, you can avail of other loans (such as Personal Loans, Car
Loans, Two-wheeler Loans and Loan against securities) at lower interest
rates.
T.Y.B.B.I
55
Home Loan PLR eCBoP Floating Rate Loans :
Home Loan PLR for eCBoP floating rate loans has been changed since 2008 as
follows :
1st July 2008 0.75% + Increase

1st August 2008 0.75% + Increase
1st December 0.50% - Decrease
2008
Net Effect 2008 1.00% + Net Increase of 1.00% has been applied w.e.f
1st December 2008
6th August 2009 0.25% - Decrease of 0.25% w.e.f September 09 EMI
30th March 2011 0.25 + Increase of 0.25% w.e.f May'11 EMI
12th July 2011 0.25 + increase of 0.25% w.e.f Aug'11 EMI
eCBoP Home Loans Fees & Charges

Foreclosure charges No prepayments allowed in first 6 months
6 months - 5 years - 1.5% of original loan
amount
5 years -10 years - 0.75% of original loan
amount
> 10 years - No closure fee
For Gold Category

6 months - 5 years - 2% of original loan
amount
> 5 years - No closure fee
Charges for late payment of EMI 2% Per month.

Cheque swapping charges Rs.500
Bounce cheque charges Rs.500
Duplicate Statement Charges (per Rs 100/- per page, Maximum Rs 300/-
statement)
T.Y.B.B.I
56
Issue of Duplicate Provisional Rs. 300/-

Interest Certificate
Issue of Duplicate Interest Rs. 300/-
Certificate
Duplicate Balance Certificate Rs. 300/-
Issue of Amortization Schedule Rs. 300/-
(Duplicate)
Switch from Variable to Fixed Not Applicable
Switch from Fixed to Variable Not Applicable

Photocopy of Documents Rs.500
T.Y.B.B.I
57
Two Wheeler Loan :
100 CC?.
180 CC?
Or maybe a 500 CC?
Super-Bike Finance scheme now available for Harley Davidson Motorcycles.
For more details of the scheme, SMS <TWL> to 5676712 or write to
tw.support@hdfcbank.com.
Whichever the bike, our Two Wheeler loan is the answer. With quick
approvals, flexible payment options and easy repayment - we'll help you buy
the bike you desire.
T.Y.B.B.I
58

Flexible repayment options, ranging from 12 to 48 months available even at the
point of purchase.
Repay through post-dated cheques with easy EMIs. Calculate your EMI.
Hassle free loans - No guarantor required.
Speedy loan approval.
Available for almost all models at attractive interest rates.
Free gifts from time to time on approval of your Two Wheeler Loan. (Watch
this space for more details on the free gift promotion).
Special Schemes to suit your needs.
Now enjoy exciting offers on Honda Two-Wheeler bikes with the HDFC
Bank Two-Wheeler Loan. Choose from a great range of top quality models
on offer and enjoy the amazing experience of riding your dream machine.
Some of the key features of HDFC Bank Two-Wheeler Loan include:

3% lower interest rate.
50% discount processing fees.
Additional One warranty.
Priority delivery of Honda within 30 days.
You are a salaried or self-employed individual.
You are between =>21 years (at the time of application) and <= 65 years (at
the end of the loan tenor).
Your minimum gross income is equivalent to Rs. 54,000/- p.a. if you reside
in Mumbai, Delhi, Chennai, Bangalore, Calcutta, Pune and Rs. 42,000/- p.a.
for all other cities.
You have been residing for at least 1 year in the city.
At least 1 year at the given residence address (In case of transfer from other
location with less than 1 year at current location - please provide relevant
T.Y.B.B.I
59
documents to the bank during loan approval stage).
You have been working for at least 1 year.
You have a phone at your residence or office.
Documentation Required:
Applying for a Two Wheeler Loan is absolutely simple.
All you need is:
Proof Of Identity : Any one of Passport Copy/ Photo Credit card- front
& reverse/ Voters ID card/ Driving License/ PAN card/ Copy of Company
ID card of MNC/ Public Ltd./ PSU/ Govt. company/ Ration Card (If Photo
is given).
Address Proof : Any one of Passport Copy/ Voters ID card/ Driving
License/ Rental agreement/ Telephone Bill/ Electricity bill/ Gas Connection
Bills/ Ration Card/ Sale deed/ Property purchase agreement/ Credit Card
billing statement (latest)/ LIC policy/ Letter from Company or Company
provided Accommodation (List of the company's as per the Banks List- ID
card of MNC/ Public Ltd.,/ PSU/ Govt. Company Containing the residence
address), Address proof in the name of the applicant's Spouse or parents
name is acceptable.
Income Proof For Salaried : Latest Salary slip for Govt. employees; If
Salary slip is not available, Only salary certificate to be accepted with
deductions, For Partnership/ Proprietary firms & Pvt. Ltd. Co's- Salary
Certificate to be accepted with the following mitigants: Salary Certificate to
clearly state the deductions, Name & Designation of the authorized
signatory. For Self-Employed - Copy of the latest I. T. return.
T.Y.B.B.I
60
Fees & Charges For Two Wheeler Loans :

Description of charges Two wheeler loans
Loan Processing Charges Maximum - 4% of Loan
Amount or Rs.600/- whichever
is higher
Pre-payment charges Within 7 months to 12 months
from the 1st EMI - 6% of
principal outstanding
13-24 months from 1st EMI
- 5% of principal outstanding
Post 24 months from 1st EMI -
3% of principal outstanding
Prepayment is not allowed
within six months of EMI
repayment
Certificate (NOC)
Duplicate no due certificate / NOC Rs 250/-
Solvency Certificate NA
Charges for changing from fixed to floating NA
rate of interest
Charges for changing from floating to fixed NA
rate of interest
Stamp Duty & other charges As per applicable laws of the
state
Credit assessment charges Up to Rs.750/-
Non standard repayment charges Rs 250/-
Outstation clearing charges Rs 25/- per cheque
Cheque swapping charges Rs 500/-
Loan cancellation / re-booking charges Rs 1000/-
Bounce Cheque Charges Rs 450/-
T.Y.B.B.I
61
Duplicate Repayment Schedule charges Rs 500/-
Legal, Repossession & Incidental charges At actual
Direct Sourcing Charges Up to Rs.750/- per vehicle

Transaction Fee for Suraksha Kavach Rs 100/- per Cover Note Issued
Service Charges Rs 50/-

Special NOC Rs. 500/- per request
PDD Charges Up to Rs.125/-
T.Y.B.B.I
62
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T.Y.B.B.I

Project On HDFC Bank 1

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1

Bachelor of banking & insurance

Shankar Narayan College of Art, Commerce &

Bachelor of banking & insurance

SHANKAR NARAYAN COLLEGE OF ART & COMMERCE

I Miss.ARTI.V.SONAR the student of BACHELOR OF BANKING &

Name of Student: ARTI.V.SONAR

SR.No CONTENTS PG.No

2. Introduction to HDFC Bank 07

3. History of HDFC Bank 09

Banking is generally a high regulated industry, & government restrictions on

HISTORY OF HDFC BANK:

Wholesale banking services :

Retail banking services:

New Car Loans :

Features & Benefits :

Covers the widest range of cars and multi-utility vehicles in India.

Fastrack Your loan With Our Attractive Car Loans Plans:

Advantage platinum Credit Card Plan:

Contract copy and salary slip of NRI.

Proof of ownership of property.

Past re-payment history :

Approval Plan: If you have an HDFC Bank Preferred Account or a

Private Limited Company :

Public Limited Company :

Bank Statement:- NA.

Health Care Finance :

Balance transfer of existing Term Loan or Working Capital : To transfer

ME-OD Facility: Healthcare customers can avail OD limits for their

Who can Avail This Loan?

Loan Features / Benefits:

Features &Benefits Indian Education:

Fees Charges for Educational Loan:

Description of charges Educational loan

Loan Processing Charges Up to a maximum 2% of the loan amount

Prepayment (up to 6 months of No pre-payment permitted

Subsequent Loan Disbursements :

Educational Loan Abroad :

Features & Benefits Education Abroad :

Fees & Charges Of Educational Loan :

Description of charges Educational loan

Prepayment (upto 6 months of No pre-payment permitted

No Due Certificate / No Objection Nil

Loans Against The Gold:

Features & Benefits :

Eligibility & Documentation :

Fees & Charges For Gold Loan :

Loan Processing Charges Upto 1% of Loan Amount

Valuation Fee Upto Rs 350

Solvency Certificate Not Applicable

Legal, Repossession & Incidental charges As incurred by the Bank

Renewal Processing Fees Rs.500

Overdraft Against Gold Jewellery :

Sr.No Description Id Address Signature

as address proof if it carries the address)

1. Central Government or any of its

16 The covering letter accompanying the No Yes No

address)(** if it carries signature)

Transfer / Movement order issued by the

House Allotment letter issued by the

Certificate on the defence letterhead

Fees & Charges for Overdraft against Gold Jewellry :

Loan Processing Charges 1.50% or Rs 750/-, whichever is higher