With you, right through

Regd. Office: Ramon House, HT Parekh Marg,169, Backbay Reclamation, Churchgate, Mumbai 400 020. e-mail: response@hdfc.ae Visit us at www.hdfc.com

Home Loans for Non-Resident Indians (NRIs) / Persons of Indian Origin (PIOs)
B R O C H U R E C U M A P P L I C AT I O N F O R M
What are the fees and charges payable and when are they payable? FEES: A one time fee of 1.25% is payable on the loan amount applied for. This fee is in respect of costs incidental to the application. Taxes as applicable will be charged on the fees collected. CHARGES: For Fixed Rate Home Loans (FRHL) and FRHL with Money Market Condition (MMC) Clause an early redemption charge of 2% of the amount being prepaid is payable, if the amount being repaid is more than 25% of the opening balance*. However, under Adjustable Rate Home Loans (ARHL) option early redemption charges of 2% is payable only in case of commercial refinance. You may be required to submit copies of your Bank Statments or any other documents that HDFC deems necessary to verify the source of prepayment. You can make payments for fees and charges by cheque marked "Payee's account only" drawn on a bank in a city where HDFC has an office or by demand draft (payable at par to HDFC). NRIs/PIOs based in the Middle East are requested to pay the fee in UAE Dihrams by cheque (if based in Dubai) or Bank Demand Draft (if based elsewhere in the Middle East) drawn in favour of Housing Development Finance Corporation Limited. *Subject to terms and conditions. What is the rate of interest that will be charged on my loan and what will be the Equated Monthly Instalment (EMI)? For the current rates of interest and EMIs please check with HDFC. Under the monthly rest option, interest is calculated on monthly rests. Principal repayments are credited at the end of every month. At HDFC you have the choice between the normal FRHL & FRHL with Money Market Clause and the innovative Adjustable Rate Home Loan (ARHL). Alternatively, you can also avail part of the loan under FRHL and balance under ARHL. HDFC also offers you the option to switch between schemes* for a nominal fee. Interest rates on the ARHL will be linked to HDFCs Retail Prime Lending Rate (RPLR). The rate on your loan will be revised every three months from the date of the first disbursement, if there is a change in RPLR, i.e. the interest rate on your loan may change. However, the EMI on the Home Loan disbursed will not change*. (If the interest rate increases, the interest component in an EMI will increase and the principal component will reduce, resulting in an extension of the term of loan, and vice versa when the interest rate decreases). HDFC offers special rates for its loyal customers (past & present). Existing housing loan customers can avail the Home Improvement Loans (HIL) at special terms.
*Subject to terms and conditions.

HDFC offers you Loans for Homes - for buying or constructing your home or even to extend or improve your existing home. HDFC will also finance purchase of land, from approved agencies to help you construct a home of your choice. You could acquire a self-contained flat in an existing or proposed cooperative society, in an apartment owners association or even an independent single-family or multi-family bungalow or row house. HDFC, through its office in Dubai and Service Associates in Abu Dhabi, Sharjah, Kuwait, Oman, Qatar and Saudi Arabia (Al Khobar, Jeddah & Riyadh) offers to the Middle East based NRIs/PIOs who wish to acquire homes in India: l Advisory services in real estate i.e. information and services regarding buying and selling of real estate in India. l Advisory services in real estate financing i.e. facilitate NRIs/PIOs taking loans from HDFC India. GENERAL INFORMATION ON HOME LOANS What is the maximum loan amount I can borrow? You can avail of a maximum loan of 85% of the cost of the property, including cost of the land, or the loan eligibility whichever is lower. How will HDFC decide the loan amount I am eligible for? Subject to the above, your repayment capacity as determined by HDFC, will help decide how much you can borrow. Repayment capacity takes into consideration factors such as income, age, qualifications, work experience, number of dependants, spouses income, assets, liabilities, stability and continuity of occupation, alternate employment prospects when you return to India and savings history. And, of course, HDFCs main concern is to make sure you can comfortably repay the amount you borrow. When can I make an application? You can apply for a loan whilst you are working abroad, to plan for your return to India in the future. The application can also be made even if the property has not been selected or the construction/improvement has not commenced. How do I make an application? Its simple! Complete the application form attached to this brochure and submit it along with the supporting documents at any HDFC office or Service Associate that is convenient to you. On receipt of the completed application form with the prescribed fee (including taxes as applicable) HDFC will consider your application, make enquiries as it deems necessary and convey its Download decision to you. application form You can also appoint a Power of Attorney in India and the Power of Attorney should be or apply online at executed as per the draft provided by HDFC. www.hdfc.com Can I apply for a loan to repay a housing loan availed by me from another bank / housing finance company? Yes, you can avail of HDFCs home loan to repay a loan availed by you from another bank / housing finance company.

3. Additional documents to be submitted by PIOs A photocopy of PIO Card. If the individual does not have a PIO Card, photocopies of any of the following are to be submitted. a. Photocopy of the current Passport indicating birthplace as INDIA. b. Photocopy of Indian passport, if held by the individual earlier. c. Photocopy of parents/grandparents Indian Passport/birth certificate/ marriage certificate substantiating the individuals claim as a person of Indian origin. 4. Power of attorney as per HDFCs draft. Who can be co-applicants? Proposed owners of the property, in respect of which you are seeking financial assistance will have to be co-applicants. However, all co-applicants need not be co-owners. What is the maximum term in which I can repay the loan? The term of repayment of the loan is upto seven years. (Term beyond 7 years upto a maximum of 20 years offered to NRI Professionals) However, HDFC endeavours to determine the repayment term to suit your convenience. How do I repay the loan? You repay the loan in Equated Monthly Instalments (EMIs) comprising principal and interest. Repayment by way of EMI commences from the month following the month in which you take full disbursement. EMI is payable every month, by the end of that month. In respect of the period prior to commencement of EMI, you pay interest on the amount of the loan disbursed. This interest is called Pre-EMI interest. Pre-EMI interest is payable every month, by the end of the month, from the date of each disbursement upto the date of commencement of EMI. Pre-EMI is calculated at the same rate at which EMI is calculated. Payments for fees, charges, and pre-EMI interest should be remitted to HDFC from abroad through normal banking channels or from the Non-Resident (External) Account/Non-Resident (Ordinary) Account/NRSR Account in India. EMI payments are to be made through post dated cheques or standing instructions from your Non-Resident (External) Account/Non-Resident (Ordinary) Account/NRSR Account in India. Cash payments will not be accepted. Do I have flexibility in repayment terms? HDFC offers you various flexible repayment options like Step Up Repayment Facility (SURF), Flexible Loan Instalment Plan (FLIP), Balloon Payment Plan and Structured Repayment Plan. These flexible repayment options give you the freedom to structure the repayment schedule to suit your individual needs. What security will I have to provide? Security for the loan is a first mortgage of the property to be financed, normally by way of deposit of title deeds and/or such other collateral security as may be necessary. Interim security may be required, if the property is under construction. Collateral or interim security could be assignment to HDFC of life insurance policies, the surrender value of which is at least equal to the loan amount, guarantees from sound and solvent guarantors, pledge of shares and such other investments that are acceptable to HDFC. Please do ensure that the title to the property is clear, marketable and free from encumbrance. To elaborate, there should not be any existing mortgage, loan or litigation which is likely to affect the title to the property adversely.

When can I take disbursement of the loan? You can take disbursement of the loan after the property has been technically evaluated, all legal documentation has been completed and you have invested your own contribution in full. Own contribution is the total cost of the property less HDFCs loan. If you are based in the Middle East you can request for the disbursement of your loan through our office in Dubai or our Service Associates in Abu Dhabi, Kuwait, Oman, Qatar, Saudi Arabia and Sharjah. The disbursement would be in Indian Rupees and made at the HDFC branch specified by you. In how many instalments can the loan be disbursed? The loan will be disbursed in full or in suitable instalments (normally not exceeding three in number) taking into account the requirement of funds and progress of construction, as assessed by HDFC, and on a disbursement request letter given by you and not necessarily according to a builders agreement. You are advised in your own interest to enter into such agreements with builders whereby payment is dependent upon the progress of work and not on a time-based schedule. Can I repay my loan ahead of schedule? Yes. You can repay the loan ahead of schedule, either in part or in full, by remittances from abroad through normal banking channels, your Non-Resident (External) Account and/or Non-Resident (Ordinary) Account/NRSR Account in India. HDFC also offers a facility to accelerate the repayment of the loan by increasing the EMI at anytime, this will help you to repay your loan faster. This acceleration facility is available free of charge. Does the Agreement for Sale have to be registered? In many states in India, the Agreement for Sale between the builder and purchaser is required by law to be registered. You are advised, in your own interest to lodge the Agreement for registration within four months of the date of the Agreement at the office of the Sub-Registrar appointed by the State Government, under the Indian Registration Act, 1908. Does the property have to be insured? You will have to ensure that the property is duly and properly insured for fire and other appropriate hazards, as required by HDFC, during the pendency of the loan and to produce evidence thereof to HDFC, each year and/or whenever called upon to do so. HDFC should be the beneficiary of the insurance policy. Will HDFC assist me in selecting accommodation of my choice? Yes, HDFC will be glad to be of assistance in selecting accommodation of your choice in select cities in India. For information on this service, do contact our Loan Counsellor or log on to HDFCrealty.com. Value additions from HDFC Group companies: Only HDFC Home Loans offer you a specially designed life insurance cover* at an attractive price from HDFC Standard Life, Home/Accident Insurance Product from HDFC Chubb General Insurance Company Ltd., automatic repayment of HDFC Home Loan EMIs from your HDFC Bank Savings Account, an HDFC Bank Savings Account with a low Average Quarterly Balance, free HDFC Bank International Credit Card** and lower Interest rates for other loans availed from HDFC Bank.
* HDFC Home Loan Protection Plan Form No. SN14. HDFC Standard Life Insurance Co.Ltd. Insurance is the subject matter of solicitation. ** For the first year.

What are the supporting documents to be submitted along with an application? The following documents are to be submitted along with the application: 1. Employment / Residency related documents: Photo copies of : a) Employment contract (if the contract is in a language other than English, an English translation of the same attested by the Embassy/Employer should be given). b) Past occupational history. c) Latest salary slip/certificate. d) Latest work permit/Labour card. e) Identity card issued by current employers. 2. a) b) c) f) Visa stamped on the passport. g) Continuous Discharge Certificate (CDC) - (for applicants employed in the merchant navy). h) Overseas Bank Account and NRE/NRO Statement for the last six months. i) Latest Credit Bureau report.**

Are these policies subject to change? Yes. These policies will be reviewed periodically.

Please take photocopies of all documents that are submitted to HDFC (including this application form) for your personal record.

INSTRUCTIONS (PLEASE READ CAREFULLY)

1. 2. 3. 4. 5. 6. 7. 8. Please read the BROCHURE carefully. The application form is provided to obtain relevant details to help us process your application. Any other information that you feel is necessary could be detailed in a covering letter. Please write or type in BLOCK LETTERS, e.g. S A T I S H Fill ! where applicable Marital Status e.g. indicating married status. " Single " # Married " Other All details must be filled in. If not applicable please write N.A. Applicants should ensure that the application is complete in every respect and all the required documents are submitted with this application. A complete form with necessary documents will help us process your application faster. HDFC reserves the right to reject any application at any stage without assigning any reason. Please take photocopies of all documents that are submitted to HDFC (including this application form) for your personal record.

**Applicable to customers residing in countries where Credit Bureaus exists. eg. USA, UK etc.

Property Related Documents: Receipts for payments made for purchase of the dwelling unit. Copy of approved drawings of proposed construction/ purchase/ extension. Agreement for sale / sale deed / detailed cost estimate from Architect / Engineer for property to be purchased/constructed/ extended/improved. d) Allotment letter from the co-operative society / association of apartment owners.

Applicants from the Middle East can co-ordinate all their future requirements through the HDFC Dubai Office.

HDFC loan, for home, back home

INDIVIDUAL LOAN APPLICATION FORM FOR NON-RESIDENT INDIANS / PERSONS OF INDIAN ORIGIN
PERSONAL INFORMATION OF APPLICANT(S) Applicant
Surname First Name Middle Name

With you, right through Regd. Office: Ramon House, H T Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai 400 020. Ph.:(91)(022) 66316000, 22820282. Fax:(91)(022) 022-22811205.

Co-applicant
Surname First Name Middle Name

NAME FATHERS /HUSBANDS NAME $ CURRENT RESIDENTIAL ADDRESS

P.O. Box:

P.O. Box:

City: Country: City: Country: Relationship with Applicant: PHONE NO. WITH ISD CODE Mobile: Mobile: $ Self owned $ Family $ Rented $ Company Leased/Provided by Employer _________________ CURRENT RESIDENCE IS $ Permanent Address in India: PHONE NO. WITH STD CODE Mobile: E-MAIL ID $M $F DATE OF BIRTH/SEX Age Yrs. % $ M $ F Age Yrs. % $ $ $ $ $ $ $ STATUS/MARITAL STATUS Non-Resident PIOs % Single Married Other Non-Resident PIOs% $ Single $ Married $ Other NO. OF DEPENDANTS _____ Children _____ Others _____ Children _____ Others $ Employed $ Self employed % $ Employed $ Self employed % OCCUPATION & DESIGNATION QUALIFICATIONS MONTHLY INCOME Rs. Rs. OTHER INCOME Rs. Source: Rs. Source: $ EMPLOYER/BUSINESS NAME AND ADDRESS (Please mention the address of the office you are based at) Country: Country: OFFICE PHONE NO. WITH ISD CODE , , E-MAIL ID YRS. IN PRESENT OCCUPATION Yrs. Retirement age Yrs. Yrs. Retirement age Yrs. DEPARTMENT Employee No.: Employee No.: Applicant: Passport No. Visa Valid upto: Co-applicant: Passport No. Visa Valid upto: Please indicate preferred HDFC location for processing your application in India: _______________________________________
Please indicate preferred Communication address by ticking
# "

the appropriate box.

$ Monthly $ Adjustable $ Fixed MMC $ Combination
$ $

LOAN REQUESTED Amount Rs. : ___________________ Term: yrs.________ Your monthly Expenditure Rs. : ____________ Instalment you and co-applicant (if any) can pay to HDFC per month Rs. : ____________

TYPE OF LOAN Rest Frequency $ Annual Rate Option $ Fixed

$ $

Signature of Applicant_____________________
$ $

LOAN DETAILS Purpose of Loan $ Construction $ Purchase $ Extension $ Improvement $ Refinance Estimate of Requirement of funds Estimate of Sources to meet requirement of funds 1. Land cost Rs. : ________________ 6. Loan requested from HDFC Fixed Rate Rs. : _________________ 2. Total purchase price/construction cost Rs. : ________________ Fixed Rate with MMC Clause Rs. : _________________ Adjustable Rate Rs. : _________________ 3. Incidental costs (if any) Rs. : ________________ 7. Savings from Bank Rs. : _________________ e.g. Stamp duty, Registration charges, etc. 8. Disposal of investments (fixed deposits / shares, etc.) Rs. : _________________ 4. Other costs (please specify) Rs. : ________________ 9. Amount already spent (source __________) Rs. : _________________ 5. Loan outstanding (for refinance) Rs. : ________________ 10. Provident Fund (refundable/non-refundable) Rs. : _________________ 11.Other (specify ________________________) Rs. : _________________ A. Total requirement of funds (Total) Rs. : ________________ B. Estimate of sources of funds (Total) Rs. : _________________
Note: 'A' which is the total requirement of funds, should equal estimate of sources, 'B' which indicates the sources from where the cost will be met. It is important that you indicate in detail the sources from where the cost will be met in order to help us process your application faster.
$ Name and Address of Local Contact/Power of Attorney in India

Home Loan Home Extension Loan

Home Improvement Loan Land Purchase Loan

Home Conversion Loan Short Term Bridging Loan

FOR OFFICE USE ONLY

Fees Date : Rs. ____________ : _______________

PASTE RECENT PHOTOGRAPH OF APPLICANT WITH SIGNATURE

PASTE RECENT PHOTOGRAPH OF CO-APPLICANT WITH SIGNATURE

PIN CODE: STATE: PHONE NO. (M): E-MAIL RELATIONSHIP WITH APPLICANT:

Initials : _______________ File No. : _______________ DSA Code: ______________

FINANCIAL INFORMATION SAVINGS, INVESTMENTS, ETC. Particulars Applicant (Rs.) Co-applicant (Rs.) Savings in Bank NR(E) ____________ ____________ NR(O) ____________ ____________ NRSR ____________ ____________ Immovable Property (specify) ____________ ____________ Other Assets (specify) 1. _______________________ _______________________ 2. _______________________ _______________________ 3. _______________________ _______________________ BANK ACCOUNT DETAILS
Name of Account Holder 1. 2. 3. Name of Bank

LOANS TAKEN/PROPOSED
Important: Non disclosure / false declaration can lead to cancellation of your loan application.

Source/Purpose Outstanding of Loan Amount (Rs.) Applicant : Employer ____________ Bank ____________ Others ____________ Co-applicant : Employer ____________ Bank ____________ Others ____________
Branch Name

Monthly Instalment Payable (Rs.) ____________ ____________ ____________ ____________ ____________ ____________

Term (Months) _________ _________ _________ _________ _________ _________

(PLEASE MENTION DETAILS OF YOUR SALARY ACCOUNT IN ROW 1 AND OTHER INDIAN & OVERSEAS A/C IN ROW 2 & 3)

Account No.(s)

Type of account
OVERSEAS NRE NRO

DETAILS OF PROPERTY

(TO BE PURHASED/CONSTRUCTED/EXTENDED/IMPROVED) (PLEASE COMPLETE AS APPLICABLE)

Address of dwelling unit: Mention dwelling unit no., street, Nearest land mark city and pin code. If not selected, mention intended location: __________________________________________ __________________________________________ __________________________________________ __________________________________________ __________________________________________ __________________________________________ Pin:

Area of Land : Sq.m.% Built-up area : Cost of land : Rs. Cost of construction/purchase/extension: Rs. Stage of construction / extension :

Sq.m.

Yes
$ $ $ $ $

No
$ $ $ $ $

If property not selected would you like HDFC Realty to assist you? Do you propose to rent the dwelling unit ? Are you the sole owner of the dwelling unit ? Is the legal title to the dwelling unit clear ? State: ________________ Will HDFC be able to obtain first mortgage of the dwelling unit ? Yes No 4. What other security will you be able to provide _______________________ ________________________________ $ 5. Please mention the details of your
Non-Resident (External) Account/ Non-Resident (Ordinary) Account/ NRSR Account in India from which post dated cheques/standing instructions will be issued for repayment of loan

GENERAL

[APPLICABLE TO APPLICANT AND CO-APPLICANT (IF ANY)]

1. Have you or your spouse earlier applied to HDFC for a loan ? $ If yes, File / Loan A/c No. ______________ 2. Have you or your spouse given guarantee(s) for any borrower/s of HDFC ? $ $ If yes, a) File / Loan A/c No. ___________ ___ b) Name of borrower/s ___________________ 3. When would you a) Sanctioned (Date) ________ prefer your loan to be: b) Disbursed (Date) ________ Would you be interested in
HDFC may make such enquiries from the referees, if it deems necessary

Bank Name: _____________________ Branch: __________________________ A/c Number: _______________________

Are you a citizen(s) of India? $ Yes $ No. Do you belong to $ SC $ ST $ NA Did you get to know HDFC through: $ Advertisement $ Service Associates $ Builder/Developer $ Friends/Relatives

REFERENCES 1.

'

HDFC Home Loan Protection plan from HDFC SLIC: $ Yes $ No

Home Accident Insurance Protection from HDFC CHUBB: $ Yes $ No

Products offered by HDFC Bank ?

$ Savings Bank Account $ Credit Card $ Other Loans

(Names and adresses of two referees who are not related to you of which one should be from india and the other from the city where you currently stay)

2. Pin:

E-mail:

E-mail:

Pin:

Tel (O): DECLARATION

(R)

Tel (O): (R)

I/We declare that all the particulars and information given in the application form are true, correct and complete and that they shall form the basis of any loan HDFC may decide to grant me/us. I/We confirm that I/We have had no insolvency proceedings against me/us nor have I/we ever been adjudicated insolvent and further confirm that I/we have read the brochure and understood the contents. I/We am/are aware that HDFC offers loans under a fixed interest rate option as well as under variable interest rate option and that I/we have selected the option indicated in the application form. I/We am/are aware that the Equated Monthly Instalment comprising principal and interest is calculated on the basis of annual rests as also on the basis of monthly rests and that I/we have selected the option indicated in the application form. I/We are aware that the options on interest rate and the frequency of rests once selected cannot be changed and any change(s) may be permitted only at the sole discretion of HDFC on such terms and conditions as decided by HDFC. I/We agree that HDFC may take up such references and make such enquiries in respect of this application, as it may deem necessary. I/We undertake to inform HDFC regarding any change in my/our occupation/employment and to provide any further information that HDFC may require. HDFC may make available any information contained in this form and other documents submitted to HDFC and information pertaining to the loan to any institution or body. HDFC may seek/receive information from any source/person to consider this application. I/We shall pay all fees, charges and dues of HDFC by remittance from abroad through normal banking channels and/or out of the Non-Resident (External) Account / Non- Resident (Ordinary) Account/NRSR Account in India, and my/our own contribution towards the cost of the dwelling unit, as per guidelines of the Reserve Bank of India. I/We further agree that my/our loan shall be governed by rules/norms of HDFC which may be in force from time to time and HDFC shall be entitled to reject my/our application without giving any reasons therefor.

Date _________________

Applicant's Signature ________________________ Co-applicant's Signature ________________________

A42/04/2006/30

LOAN FACILITIES OFFERED BY HDFC TO NON-RESIDENT INDIANS

HOUSING LOANS ( HOME IMPROVEMENT LOANS ( HOME EXTENSION LOANS ( LAND LOANS FOR HOUSING ( PROPERTY RELATED SERVICES IDENTIFICATION & SALES PROPERTY VALUATION
(

Under the Foreign Exchange Management Act of 1999, A) Non-Resident Indians are: a) Indian citizens who stay abroad for employment or for carrying on business or vocation outside India or for any other purpose in circumstances indicating an indefinite period of stay abroad, or b) Government servants who are posted abroad on duty with the Indian missions and similar other agencies set up abroad by the Government of India where the officials draw their salaries out of Government resources, or c) Government servants deputed abroad on assignments with foreign Governments or regional/international agencies like the World Bank, International Monetary Fund (IMF), World Health Organisation (WHO), Economic and Social Commission for Asia and the Pacific (ESCAP), or d) Officials of State Governments and public sector undertakings deputed abroad on temporary assignments or posted to their branches or offices abroad. B) A person of Indian Origin is a citizen of any country other than Bangladesh or Pakistan if: 1) He at any time held an Indian Passport or 2) He or either of his parents or any of his grandparents was a citizen of India by virtue of the Constitution of India or the Citizenship Act 1955 (57of 1955) or

3)

The person is a spouse of an Indian Citizen or a person referred to above in clause 1 or 2.

Guidelines issued by the Reserve Bank of India for grant of housing loans to Non-Resident Indians/Persons of Indian Origin: The Reserve Bank of India has issued certain guidelines for granting loans to Non-Resident Indians/Persons of Indian Origin by HDFC. The guidelines are: 1) 2) The loan amount should not exceed 85% of the cost of the dwelling unit. Own contribution, which is the cost of the dwelling unit financed, less the loan amount, can be met from direct remittances from abroad through normal banking channels, from the Non-Resident (External) account in India and /or the Non-Resident (Ordinary) account and/or Non-Resident (Special) Rupee Account (NRSR) in India. Repayment of the loan, comprising of principal and interest including all charges are to be remitted to HDFC from abroad through normal banking channels, the NonResident (External) account and/or the Non-Resident (Ordinary) account and/or NRSR Account in India. The loan shall be fully secured by equitable mortgage of the dwelling unit being acquired.

3)

4)

OFFICES
INTERNATIONAL OFFICE / REPRESENTATIVE OFFICES Dubai: HDFC Ltd. : Contact: Ajay Verma / R. Sreekumar, Office No. 105, 1st Floor, Juma Al-Majid Commercial Building, Opp. Burjuman Center (Extension), Trade Centre Road, P.O. Box : 29022, Dubai, UAE. Tel: +971-4-3961825. Fax: +971 - 4 - 3961890. Email: response@hdfc.ae Timings: Sat to Wed: 8.30 am to 1.00 pm & 2.00 pm to 6.00 pm. Thu: 9.00 am to 1.00pm. SERVICE ASSOCIATES Dubai: RAK Bank: Contact: RAK NRI Team, Mezzanine Floor, Sultan Business Centre (Next to Lamcy Plaza), P.O. Box: 1531, Dubai, UAE Tel: +971-04-2130000 (24 hours) Email: RAKnri@rakbank.ae Timings: Mon to Wed: 8.00 am to 7.00 pm Thu: 8.00 am to 12 noon Sharjah: Contact: Mr.Chetan Kandhari / Ms.Manjula Khatri, Panama Advertising & Marketing, Office # 8, 2nd floor, Marine House, Above Choithram Supermarket, King Faisal Road, P.O. Box 4735, Sharjah, UAE. Tel: +971-06-5599511 Fax: +971- 06-5599519 Email: panama@eim.ae Timings: Sat to Wed: 9.00 am to 6.00 pm Thu: 9.00 am to 1.00 pm Abu Dhabi: Contact: Mrs.Gaganpreet Kaur / Mr. Ramesh Ravindranath, The NMC Group, Level - 01, Al Sayegh Centre, Corporate Office, P.O. Box No.: 170, UAE Exchange LLC, Hamdan Street, Abu Dhabi. Tel: +971-2-6105648/40, +97126105649/40, Fax: +971-2-6322169 Email: gagan.preet@uaeexchange.com / ramesh.ravindranath@uaeexchange.com Timings: Sat to Thu: 8.30am to 5.00 pm Kuwait: Contact: Mr.Cajetan Barretto or Mr. Mohammad Amin, CLIC National Industries, P.O.Box 24387, Safat, Kuwait. Tel: +965 - 4738742, 4768164, 4768993, 4748514/ 4715794. Fax: +965 - 4768165/994. Email: hdfc@clicq8.com, cajetan@clicq8.com & smamin@clicq8.com Timings: Sat to Wed: 8.00 am to 4.30 pm. Thu: 8.00 am to 1.00 pm. Oman: Contact: Mr. Kesavan, Middle East Investment L.L.C., 1st Floor, Bhawan Business Center Bld., Suhail Bahwan Group Holding Building, Opp. Oman Arab Bank Main Branch, CBD Area, P.O. Box: 21, Postal Code 112, Ruwi, Muscat, Sultanate of Oman. Tel: +968 - 24793741 Ext.: 102 / 145. Fax: +968 - 24706087. Email: kesavan@suhailbahwangroup.com Timings: Sat to Thu: 8.00 am to 1.00 pm & 4.00 pm to 7.00 pm Qatar: Contact: Mr. Ravindranathan, Investec W.L.L, P.O.Box 3002, New Share Kaarba (Al Deewan Street) Above Al Fardan Perfumes - 1st Floor, Near Indian Airlines office, Doha - Qatar. Tel: 0974 - 4325060 / 4365060 Fax: 0974 - 4353560 Email: investec@qatar.net.qa Timings: Sat to Thu: 8.00 am to 12.00 noon & 4.00 pm to 8.00 pm Saudi Arabia: THE ALI REZA GROUP Al Khobar: Contact: Mr. Tarun B Nair. Rezayat Trading Co. Ltd., P.O. Box: 90, King Khalid St. 4th Cross, Opp. Al Ghazali (Rado Showroom), Above Al Khatir Studio, Al Khobar 31952. Tel: 966-3- 8974227, 8954739, 8954108 Fax: 966-3- 8974227 Ext: 104 Email: hdfc@rezayat.com.sa Timings: Sun to Thu: 9.00 am to 1.00 pm & 3.00 pm to 7.00 pm Sat: 3.00 pm to 7.00 pm Jeddah: Contact: Mr. Vijay, Rezayat Trading Co.Ltd. P.O.Box: 6670, Rear Side of Jamjoom Center, Jeddah 21452. Tel: 966-2-6654901, 6611333. Ext: 230; Mobile: 9660503869830. Fax: 966-2-6637616. Email: hdfcjed@rezayat.com.sa Timings: Sat to Wed: 8.00 am to 1.00 pm & 2.30 pm to 6.00 pm. Thu: 8.00 am to 1.00 pm. Riyadh: Contact: Mr. R. Ramanathan, Rezayat Trading Co. Ltd. P.O.Box: 966, First Floor, ABB Building, Opp. Malaz Zoo, Pepsi Cola Road. Riyadh 11421. Tel: 966-1-4777061. Ext.: 123, 1-4777437 Fax: 966-1-4778919. Email: hdfcryd@rezayat.com.sa Timings: Sat to Wed: 8.00 am to 1.00 pm & 4.00 pm to 7.00 pm. Thu: 8.00 am to 1.00 pm.

HDFC has over 180 Offices all over India...

BRANCH OFFICES (IN INDIA): AGRA Tel: 0562-2526769. AHMEDABAD (Navrangpura) Tel: 079-55307000. AHMEDABAD (Maninagar) Tel: 079-25450081. AHMEDABAD (Satellite) Tel: 079-26933611. AHMEDNAGAR Tel: 0241-2320818. AJMER Tel: 0145-2624994. AKOLA Tel: 0724-2442454. ALWAR Tel: 0144-2702739. ALLAHABAD Tel: 0532-2260325. AMBALA Tel: 0171-2630880. AMRAVATI Tel: 0721-2666009. AMRITSAR Tel: 0183-5090512. ANAND Tel: 02692-255514. ANKLESHWAR Tel: 02646227771. AURANGABAD (CIDCO) Tel: 0240-2474110. AURANGABAD (Station Road) Tel: 0240-2338052. BANGALORE (Kasturba Road) Tel: 080-41183000. BANGALORE (Jayanagar) Tel: 080-26544471. BANGALORE (Koramangala) Tel: 080-41101621. BANGALORE (Basaveswaranagar) Tel: 080-23584222. BAREILLY Tel: 0581-2477496. BHARUCH Tel: 02642-245245. BHILAI Tel: 0788-5040840. BHIWADI Tel: 01493-512739. BHOPAL (MP Nagar) Tel: 0755-5277772. BHOPAL (Kamla Bhawan) Tel: 0755-5229990. BHILWARA Tel: 01482-232902. BHUBANESWAR Tel: 0674-5532020. BILASPUR Tel: 07752-500707. BULDHANA Tel: 07262-246301. CALICUT Tel: 0495-2367656. CHANDIGARH Tel: 01723989123. CHANDRAPUR Tel: 07172-271563-5. CHENNAI (Anna Salai) Tel: 044-28599300. CHENNAI (Adyar) Tel: 044-24403313. CHENNAI (Anna Nagar) Tel: 044-23451998. CHENNAI (Kodambakkam) Tel: 044-24815656. CHENNAI (Tambaram) Tel: 044-22264122. CHENNAI (Velacherry) Tel: 044-22435571. CHIDAMBARAM Tel: 04144-222810. CHIPLUN Tel: 02355-250035. COIMBATORE Tel: 0422-4301100. COIMBATORE (NSR Road) Tel: 0422-4399881. CUTTACK Tel: 0671-2332061. DEHRADUN Tel: 0135-2742231. DEWAS Tel: 07272-254550. DHULE Tel: 02562-273500. DURGAPUR Tel: 0343-2549778. ERODE Tel: 0424-2240928. FARIDABAD Tel: 0129-2226912. GANDHIDHAM Tel: 02836228704. GHAZIABAD Tel: 0120-2721446. GHAZIABAD (Vaishali) Tel: 0120-2688148. GOA Tel: 0832-2429222. GULBARGA Tel: 08472-241966. GUNTUR Tel: 0863-2217538. GURGAON Tel: 0124-5061772/3. GUWAHATI Tel: 03612666915. GWALIOR Tel: 0751-4011970. HARDWAR Tel: 01334-265325. HINGOLI Tel: 02456-224515. HOSUR Tel: 04344-247444. HUBLI Tel: 0836-2356345. HYDERABAD (Basheer Bagh) Tel: 040-55475001. HYDERABAD (Dilsukhnagar) Tel: 040-24540845. HYDERABAD (Kukatpally) Tel: 040-23155944. HYDERABAD (Panjagutta) Tel: 040-23414855. INDORE (M G Road) Tel: 0731-4223300. INDORE (Vijaya Nagar) Tel: 0731-5026442. INDORE (Prabhu Nagar) Tel: 07315028222. JABALPUR Tel: 0761-5065771. JAIPUR (Ashok Marg) Tel: 0141-5150888. JAIPUR (Mansarovar) Tel: 0141-2781981. JAIPUR (Vaishali Nagar) Tel: 0141-5110410. JALANDHAR Tel: 0181-2225633. JALGAON Tel: 0257-2220762. JAMMU Tel: 0191-2434419. JAMSHEDPUR Tel: 0657-2424518. JODHPUR Tel: 0291-2644448. KANNUR Tel: 0497-2765850. KANPUR Tel: 0512-3959998. KOCHI (M. G. Road) Tel: 0484-9895399900. KOCHI (Palarivattom) Tel: 04842346684. KOLHAPUR Tel: 0231-2664034. KOLKATA (Middleton Street) Tel: 033-23215060. KOLKATA (Old Court House Street) Tel: 033-22481308 / 27 KOLKATA (Salt Lake City) Tel: 033-23215949. KOLKATA (Behala) Tel: 033-24468392. KOLKATA (Garia) Tel: 033-24351082. KOLLAM Tel: 0474-3955000, 2762551. KORBA Tel: 07759-245428. KOTA Tel: 0744-2436981. KOTTAYAM Tel: 0481-2304985. LUCKNOW (Ashok Marg) Tel: 0522- 3989123. LUCKNOW (Aliganj) Tel: 0522-2763494. LUCKNOW (Gomti Nagar) Tel: 0522-2303770. LUCKNOW (Kanpur Road) Tel: 0522-2434519. LUCKNOW (Raebareli Road) Tel: 0522-3098766. LUDHIANA Tel: 0161-2429856. MADURAI Tel: 0452-2350715. MALAPPURAM Tel: 0483-2738873. MANGALORE Tel: 0824-2445220. MEERUT Tel: 0121-2768172. MOHALI Tel: 0172-2220116. MUMBAI (Churchgate) Tel: 022-66316000. MUMBAI (Andheri East) Tel: 022-26830048. MUMBAI (Andheri West) Tel: 022-26733981. MUMBAI (Andheri-Kurla Road) Tel: 022-28304251. MUMBAI (Borivli) Tel: 022-28647152. MUMBAI (Chembur) Tel: 022-25291188. MUMBAI (Malad) Tel: 022-28446307. MUMBAI (Mulund) Tel: 022-25655633. MUMBAI (Parel) Tel: 022-24707497. MUMBAI (Virar) Tel: 0253-2511654. AMBARNATH Tel: 0251-2603168/9. KALYAN Tel: 0251-2201580. DOMBIVLI Tel: 0251-2861473. THANE (Gokhale Road) Tel: 022-25451114. THANE (Vikas Complex) Tel: 022-25471568. VASHI (Navi Mumbai) Tel: 022-66165201. KOPARKHAIRANE (Navi Mumbai) Tel: 022-27550615. BELAPUR (Navi Mumbai) Tel: 022-27561781. NERUL (Navi Mumbai) Tel: 022-27718787. NEW PANVEL Tel: 02266166242. MYSORE Tel: 0821-2433770. NAGERCOIL Tel: 04652-3955000. NAGPUR Tel: 0712-2566000. NASHIK (Sharanpur Link Road) Tel: 0253-5606000. NASHIK (Indira Nagar) Tel: 0253-2325301. NASHIK (Panchavati) Tel: 02532621953. NASHIK ROAD Tel: 0253-2467994. NELLORE Tel: 0861-2302347. NEW DELHI (Munirka) Tel: 011-41115111. NEW DELHI (Vikas Puri) Tel: 011-28540989. NEW DELHI (Lodhi Road) Tel: 011-24643755. NEW DELHI (Vikas Marg) Tel: 011-22463421. NEW DELHI (Kingsway Camp) Tel: 011-32906820. NOIDA Tel: 0120-2512058. PALAKKAD Tel: 0491-2536481. PANCHKULA Tel: 0172-2570436. PATIALA Tel: 0175-2209273. PATNA Tel: 0612-2320378. PITHAMPUR Tel: 07292-252127. PONDICHERRY Tel: 0413-2205421. PUNE (University Road) Tel: 020-25505000. PUNE (Camp) Tel: 020-26351738. PUNE (Chinchwad) Tel: 020-27450219. PUNE (Kothrud) Tel: 020-25453592. PUNE (Nagar Road) Tel: 020-26685258. RAIPUR Tel: 0771-5092585. RAJKOT Tel: 0281-2472337. RANCHI Tel: 0651-2331055. RATLAM Tel: 07412-507375. RENUKOOT Tel: 05446-252774. ROPAR Tel: 01881-224986. SALEM Tel: 0427-2314486. SANGLI Tel: 0233-2329891. SATARA Tel: 02162-226400. SECUNDERABAD (Tarnaka) Tel: 040-27014041. SILIGURI Tel: 0353-2640716. SIMLA Tel: 0177-2622211. SOLAPUR Tel: 0217-2316804. SURAT (Majura Gate) Tel: 0261-2479371. SURAT (Adajan) Tel: 0261-2772258. THIRUVANANTHAPURAM Tel: 0471-3955000. THRISSUR Tel: 0487-2442565. TIRUCHIRAPALLI Tel: 0431-2412744. TIRUNELVELI Tel: 0462-3955000, 2577822. TUTICORIN Tel: 0461-3955000, 2300707. UDAIPUR Tel: 0294-2561060. UJJAIN Tel: 0734-5010222. VADODARA (J P Road) Tel: 0265-2356397. VADODARA (Waghodia Road) Tel: 0265-2514164. VAPI Tel: 0260-2462573. VARANASI Tel: 0542-2420484. VIJAYAWADA Tel: 08662483262. VISAKHAPATNAM Tel: 0891-2552876. WASHIM Tel: 07252-231302. YAMUNA NAGAR Tel: 01732-320547. YAVATMAL Tel: 07232-239941.