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1.

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.

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 outstandings
on the loan upto 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.*

Personal Accident Cover


In order to ensure that your family is taken care of we also offer a Personal Accident cover of
Rs.2,00,000 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. Please note that service tax @ 10% and Education cess of 3% will also be
charged.
2. 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 85%
maximum of the cost of the property (Agreement value + Stamp duty + Registration
charges) based on the repayment capacity of the customer.

Home Improvement Loan - HIL facilitates internal and external repairs and other
structural improvements like painting, waterproofing, plumbing and electric works, tiling
and flooring, grills and aluminium windows. HDFC finances up to 85% of the cost of
renovation (100% for existing customers) subject to market value of the property..

Home Extension Loan - HEL facilitates the extension of an existing dwelling unit. All
the terms are the same as applicable to Home Loan.

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 85% of the cost 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.
*Insurance is the subject matter of solicitation.

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.

HDFC also offers In-house scrutiny of Property documents for your complete peace
of mind.
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.
SMART DRAFT

Features & Benefits

Overdraft limit up to 3 times the salary*

Minimum documentation

No pre-closure charges

Easy-to-use and easy-to-pay facility

Freedom to use limit through Cheque book, ATM, online transfer, etc.

Interest payable on the amount utilised

Credits in the account set-off utilisation and help save interest

Easy documentation

Limit will be set on the existing account

Non EMI based facility


LOAN AGAINST SECURITIES

Single Scrip Lending - up to 50% of the value with any Depository Participant. (please contact us to know
the drawing power of the scrips) Click here to know more.

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.

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 PhoneBanking, FREE NetBanking.

LOAN AGAINST PROPERTY


Features & Benefits

Loans to expand your business or to meet any personal need

Residential & Commercial properties accepted

Maximum Loan to value*

Flexible product offerings - EMI based loan / Overdraft facility available.


High tenure loans for ease of repayment.

Attractive interest rates.

Specially designed products for Self Employed.

LOAN AGAINST RENTAL RECEIVABLES


Salient Features & Benefits:

Higher eligibility on net rentals.

Attractive interest rates.

Extended loan tenure available.

Customized product to suit your needs and structured specially for you.

Simple documentation and fast processing

HEALTHCARE FINANCE
Product Offering

We at HDFC Bank - Healthcare Finance offers easy loans for:

New Equipment Finance : Finances for purchase of new medical equipment.

Balance Transfer / Takeover : Transfer your equipment loans from other financiers at attractive interest
rates with us.

Funding for Imported Equipment's : Finance on imported equipment's by opening a Letter of Credit or
through Telegraphic Transfer.

Refinance / Used Asset Finance : Funding against your existing lien-free assets.

Hospital Infrastructure Finance : Funding for real estate / infrastructure to meet your growing
expansion plans.

Loan Features

Loan amounts ranging from Rs. 100,000/- onwards

Loans upto 80% of invoice value

Repayment period of 12 to 60 months

Repayment through post dated cheque / direct debit mandate


Equipment to be hypothecated to HDFC Bank

Attractive Interest Rates

WAREHOUSE RECEIPT
Features & Benefits

Loans from Rs. 1 Lacs onwards depending on your needs.

Avail Loan against wide range of commodities

Funding extended against commodities stocked in a range of different WH/Godowns

Attractive interest rates.

Quick loan approval process

Avail loan against Demat commodities

Customer privileges - Existing asset relationship customers can avail a special Top-Up loan facility.
Stock insurance cover - We also offer you stock insurance facility for commodity stocked.

EDUCATIONAL LOANS

Features & Benefits –Indian Education

Student Loans Upto Rs. 15 Lakhs for education In India

Unsecured Lending Upto 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)

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.
Click here to view the income tax circular.
E-mail loansupport@hdfcbank.com to receive interest certificate for FY 09-10.

Loans available for other course related expenses also!

CAR LOAN
Features & Benefits

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

Avail 100% finance on your favourite car.**

Flexible repayment options, ranging from 12 to 84 months.

Borrow up to 3 times your annual salary (for salaried 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 are an HDFC Bank account holder, we have special rates for you.

 If you have had a 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.

 If you are an existing 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.

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