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 1. 2. 3. 4. 5. What is Bank Introduction to HDFC Bank History of HDFC Bank What is Loan Types of Loan 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 Questionnaire Conclusion Suggestions Bibliography CONTENTS
PG.No 06

07 09 11

12

6. 7. 8. 9.

62 65 66 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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INTRODUCTION TO HDFC BANK : INTRODUCTION TO HDFC BANK :

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: 2 T.Y.B.B.I

* 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? T.Y.B.B.I

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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 : y If you have an HDFC Bank account holder, we have special rates for you. y 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. y 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: y Facility is available to only HDFC bank account holders (CASA). y All terms and conditions applicable for the used car product are applicable for the Loan take over product. y Minimum 9 month old loan with any approved Financier with clear repayment track record. T.Y.B.B.I

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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. y HDFC Bank International Credit Card. y Citibank Gold. y Citibank Diners. y HSBC Gold. y ANZ Grind lays Gold. y American Express Gold Card. y American Express Charge Card. y 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. T.Y.B.B.I

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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 :

y Minimum age of Applicant: 21 years. y Maximum age of Applicant at loan maturity: 58 years. y Minimum employment: 1 year in current employment and minimum 2 years of employment. y Minimum Annual Income: Rs 100000 net annual income. y Telephone: Must at residence

Documents required:
y Proof of Identity:- Passport copy, PAN Card, Voters Id car, driving licence(Laminated, Recent, Legible). y Income Proof:- Latest salary slip with form 16. y Address Proof:- Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy PAN Card. y 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. y Telephone: Must at residence. y y y y

Documents required:
y Proof of Identity:- Passport copy, PAN Card, Voters Id car, driving licence( Laminated, Recent, Legible) y Income Proof:- Latest ITR. y Address Proof: - Ration card/Driving licence/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy PAN Card. y 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 : Eligibility Criteria:

y Minimum Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000 p.a. for mid-sized and premium cars. y Minimum turnover: Turnover Rs. 4.5 lacs. y Telephone: One phone at least at business and at residence of the loan executing partner.

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Documents required:
y Proof of Identity:- NA. y Income Proof:- Audited balance sheet, Profit & Loss Account for latest two years and the latest 2 years IT returns of the company. y Address Proof:- Telephone Bill/Electricity Bill/Shop & Establishment Act certificate/SSI registered certificate/Sales Tax certificate. y 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 : Eligibility Criteria:

y Minimum Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000 p a for mid-sized and premium cars. y Minimum turnover: Turnover Rs 4.5 lacs. y Telephone: One phone at least at business premises.

Documents required:
y Proof of Identity:- NA. y Income Proof:- Audited balance sheet, Profit & Loss Account for latest two years and the latest 2 years IT returns of the company. y Address Proof:- Telephone Bill/Electricity Bill/Shop & Establishment Act certificate/SSI registered certificate/Sales Tax certificate. y Bank Statement:- NA

Public Limited Company : Eligibility Criteria:

y Minimum Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000 p a for mid-sized and premium cars. y Minimum turnover: Turnover Rs 4.5 lacs. y Telephone: One phone at least at business premises. T.Y.B.B.I

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Documents required:
y Proof of Identity:- NA. y Income Proof:- Audited balance sheet, Profit & Loss Account for latest two years. y Address Proof:- Telephone Bill/Electricity Bill/Shop & Establishment Act certificate/SSI registered certificate/Sales Tax certificate y 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. T.Y.B.B.I

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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?

y Nursing Homes, Diagnostic Centers, Pathology Lab Centers, Specialty Clinics like Skin & Dental, Dialysis Centers, Endoscopy Centers, Hospitals, and IVF Centers. y Medical Education Institutes like medical/paramedical colleges, dental colleges. y Large Medical Equipment Dealers. y Medical Equipment Manufacturers. y Medical Consumable Dealers. y 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. y No Collateral or Third Party Guarantee.  Wider Range Of Collateral For Loans Above INR 7.5 Lakhs. y Residential Property. y HDFC Bank Fixed Deposit. y 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

Loan Processing Charges Prepayment (up to 6 months of repayment ) Pre-payment charges (after 6 months of repayment) No Due Certificate / No Objection Certificate (NOC) Solvency Certificate Charges for late payment of EMI Credit assessment charges Non standard repayment charges Cheque swapping charges Loan Re-Booking /Schedulement Charges Bounce Cheque Charges Legal / incidental charges Stamp Duty & other statutory charges

Educational loan
Up to a maximum 2% of the loan amount No pre-payment permitted Up to 4% of the Principal Outstanding Nil Not applicable @ 24 % p.a. on amount outstanding from date of default Not applicable Not applicable Up to Rs. 500/- per event Up to Rs. 1000/Up to Rs. 450/- per Bouncing At actual 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 doorstep 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. y No Collateral or Third Party Guarantee.  Wider Range Of Collateral For Loans Above INR 7.5 Lakhs. y Residential Property. y HDFC Bank Fixed Deposit. y 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. y NRE- Savings Account. y Special Tariff on Telegraphic Transfers and Demand Drafts. y 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

Loan Processing Charges Prepayment (upto 6 months of repayment ) Pre-payment charges (after 6 months of repayment) No Due Certificate / No Objection Certificate (NOC) Solvency Certificate Charges for late payment of EMI Credit assessment charges Non standard repayment charges Cheque swapping charges Loan Re-Booking / Re-Schedulement Charges Bounce Cheque Charges Legal / incidental charges Stamp Duty & other statutory

Educational loan
Upto a maximum 2% of the loan amount No pre-payment permitted Upto 4% of the Principal Outstanding Nil Not applicable @ 24 % p.a. on amount outstanding from date of default Not applicable Not applicable Upto Rs. 500/- per event Upto Rs. 1000/Upto Rs. 450/- per Bouncing At actual 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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Features & Benefits :

     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!!!

Eligibility & Documentation :

You may be a salaried individual, professional or a businessman, we have loan designed to suit your requirement.

Eligibility Criteria :
y Maximum age of Applicant at loan application should not be more than 65 years. y Gold Jewellery should be owned by you or any of the family member.

Documents Required:
y Proof of Identity (Passport Copy/ Voters ID card/ Driving License). y Address Proof (Ration card/ Tel, Electricity. Bill/ Rental Agr. / Passport copy/Trade license /Shop & EST License. /Sales Tax certificate). y Signature Proof (Passport Copy/Driving License/Banker's verification/cheque). y 2 passport size photographs.

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Fees & Charges For Gold Loan :

Description of charges
Loan Processing Charges Valuation Fee No Due Certificate / No Objection Certificate (NOC) Duplicate no due certificate / NOC Solvency Certificate Charges for late payment of loan amount Charges for changing from fixed to floating rate of interest Charges for changing from floating to fixed rate of interest Stamp Duty & other statutory charges Credit assessment charges Non standard repayment charges Outstation clearing charges Cheque swapping charges Loan cancellation / re-booking charges Bounce Cheque Charges Statement Charges (per statement) Duplicate Repayment Schedule charges Legal, Repossession & Incidental charges Renewal Processing Fees

Gold loan
Upto 1% of Loan Amount Upto Rs 350 Nil Not Applicable Not Applicable 2% p.a. as penal interest over and above applicable rate of interest. Not Applicable Not Applicable As per applicable laws of the state Nil Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable As incurred by the Bank 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

Eligibility Criteria :
     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) Yes Yes Yes Yes Yes* Yes**

1 Passport [not expired] 2 Arms License issued by the State/Central 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] 4 Pension payment card issued by State/Central Govt. of India with photograph of the applicant 5 Ration Card with/without IRIS scaalong with photograph as prevalenin the respective states 6 Banker's Verification of Photograph & 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 Central/State/Union Territories 8 Election /Voters card (*Can be accepted T.Y.B.B.I

Yes Yes

Yes Yes

Yes Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes Yes

Yes Yes*

Yes No

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10

11

12 13 14

as address proof if it carries the address) Bank passbook with photograph attested by Bank Official & official seal. Passbook should be updated in the last 3 month. Certificate with Photo & address from local Govt body.( Tehsildar/Sarpanch/Municipality /Class 1 Gazetted officer /Commissioner etc.) Photo Debit/ Credit Card (* Can be accepted as signature proof if it carries the signature on the face of the card) MAPIN card [issued by NSDL] PAN card Photo ID card issued by any of the following organizations/Institutions

Yes

Yes

No

Yes

Yes

No

Yes

No

Yes*

Yes Yes Yes

No No No

Yes Yes Yes*

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 ICWAI/ICAI/ICSI/Indian Medical Association T.Y.B.B.I

Yes

No

No

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16 The covering letter accompanying the PAN card at the time of issuance should be accepted along with the PAN card. 17 Telephone bill/Electricity bill of Public and approved Private operators in the State [Not older than 3 months] 18 Bank account statement /Bank Passbook of a PSU / Private Sector / Foreign bank [Not older than 3 months] 19 Demat account statement with addressshould not be more than 3 months old. HDFC Bank Demat a/c statement can be accepted. 20 Post office pass book with full address 21 Letters of correspondence from 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 address, should pertain to assessment of income of last financial year 23 Letter / Monthly outgoings bill (only from Registered societies) 24 Copy of title deeds (Wherein original title deeds are registered and stamped) 25 Land Patta/Jamabandi / 7/12 extract 26 Lease/ Leave & license agreement / Rent 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 T.Y.B.B.I

No

Yes

No

No

Yes

No

No

Yes

No

No

Yes

No

No No

Yes Yes

No No

No

Yes

No

No No No No

Yes Yes Yes Yes

No No No No

No

Yes

No

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28 29 30 31 32

33

34

35

36

37

38

Receipt Municipal/Corp/Panchayat/Tax Payment Receipt of last one year Mobile post paid bill of public / private operators in the State. Printed consumer gas connection card / book OR latest pipe gas bill. Domicile certificate with communication address issued by Municipal Corporation. Certificates issued by Mandal revenue officer. "Mandal Revenue Office " is State Governing Body "based on this "House Hold Card "are issued Latest Credit Card Statement with CPV at the same address. Statement not more than 2 months old Address on Employers Letter Head, duly 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. Insurance policy or premium receipts of the address in question. This includes Life as well as Non Life insurance policies for both Governments undertaking as well as Private Operators. SSI and Shops & Establishment Act Registration certificate may be accepted provided the mailing address is the same as the Shop / office / Factory & confirmed by CPV. House Allotment letter issued by the Central/State government authorities mentioning the name and address of the applicant. Senior citizens card issued by the State /Central Govt. of India (*if it carries

No No No No No

Yes Yes Yes Yes Yes

No No No No No

No

Yes

No

No

Yes

No

No

Yes

No

No

Yes

No

No

Yes

No

No

Yes*

Yes**

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address)(** if it carries signature) 39 Photo ID card with photograph (issued by J&K & Goa State Govt.) (*if it carries address)(** if it carries signature) 40 IRIS scanned household Card with photograph (issued by Andhra Pradesh. govt.)(*if it carries signature) 41 Additional Address Proofs: Defence 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.

No

Yes*

Yes**

No

Yes

Yes*

No

Yes

No

Fees & Charges for Overdraft against Gold Jewellry :

Description of charges Loan Processing Charges Gold Deposit Charges Interest Debit Overdraft AganistGold Jewellry 1.50% or Rs 750/-, whichever is higher Rs 5 per gram of gross weight of gold charged every year. Interest is calculated on the amount utilized & debited in the Current Account every month. Rs.500

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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.

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Prepayment Charges Valuation Fee No Due Certificate / No Objection Certificate (NOC) Duplicate no due certificate / NOC Solvency Certificate Charges for changing from fixed to floating rate of interest Cheque Book Charges

Nil Nil Nil Not Applicable Not Applicable Not Applicable Up to 100 cheque leaves issuance FREE per month. Additional cheque leave during the month will charge @ Rs 2/per leaf. As per applicable laws of the state Nil Not Applicable As incurred by the Bank.

Stamp Duty & other statutory charges Credit assessment charges Non standard repayment charges Legal, Repossession & Incidental charges

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Loans Against Securities :

Get liquidity from your investments, without selling them.

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Features & Benefits:

 You can enjoy the benefits of your securities and still avail a loan on the same. y No EMIs. y No Post Dated cheques. y No Pre-payment charges. y Interest charged only on utilized amount. y Exhaustive number of approved securities. y Upto 80% Loan. y Simple and speedy processing. y Term Loan facility also available against select securities.  Overdraft facility can be availed against pledge of: y Equity Shares* - Demat Shares up to 50% of the value. See approved scrips. y Mutual Fund units* - Mutual Funds up to 50% of NAV (Net Asset Value). See approved Mutual Fund Schemes. y Gold ETF. y NABARD's Bhavishya Nirman Bonds. y RBI Bonds (8% Savings Bonds 2003 (Taxable). y Life Insurance Policies issued by LIC & Select Private Insurance Companies See approved Life Insurance Policies. y National Savings Certificate (NSC). y Kisan Vikas Patra(KVP). y Gold Deposit Certificates (GDC). y 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.

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 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" y Shares can be pledged from any Depository (NSDL or CDSL) and any Depository Participant across the country y Loan available to NRIs against Shares, Mutual Funds (equity, Debt, FMPs), Insurance Policies, NSC, KVP. y 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 & Documentation : 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. y Approved Demat Shares. y Approved Mutual Funds (Equity, Debt, FMPs). y Gold ETF. y NABARD's Bhavishya Nirman Bonds. y RBI Bonds (8% Savings Bonds 2003 (Taxable). y Approved Life Insurance Policies issued by LIC. y Approved Life Insurance Policies issued by Select Private Insurance Companies. y National Savings Certificates (NSC). T.Y.B.B.I

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y Kisan Vikas Patra (KVP). y Gold Deposit Certificates. y 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.

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Fees & Charges For Loans Against Securities : Overdraft facility:

Description of charges Processing Charges Loans against security 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) Nil Nil Nil Not Applicable Not Applicable Not Applicable As per the rates applicable at the place of execution of Loan Agreement 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

Pre-payment charges Duplicate no due certificate / NOC No Due Certificate / No Objection Certificate (NOC) Solvency Certificate Charges for changing from fixed to floating rate of interest Charges for changing from floating to fixed rate of interest Stamp duty & other statutory charges Annual Maintenance Charge(AMC)

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Charges on drawings in excess of Limits ( due to application of interest or revaluation of portfolio under pledge) Charges for realization of proceeds on maturity in respect of RBI Bonds

\Penal interest 18% p.a. plus tax on the amount drawn in excess of the Limit. This will be calculated on a daily product basis. Rs. 100/- Per Certificate subject to a 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 default Legal & incidental charges Cheque Book Charges All brokerages, transaction charges and other levies as per actual As per actual. Upto 100 Cheque leaves issuance FREE per month. Additional cheque leaves during the month will be charged @ Rs. 2/per leaf Rs.10/- Per TRF Rs.500/- per month

TRF Processing Charges Charges in case limit Drops to Zero

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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.

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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 : y If you have an HDFC Bank salary account holder, we have a special offer. y 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). y 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.

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 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.

Eligibility & Documentation :

    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.

Eligibility Criteria :
y Mnimum age of Applicant: 21Years. y Mnimum age of Applicant at loan Maturity: 60 Years. y Mnimum Employment: Mnimum 2 Yrs in Employment & Mnimum 1Year in current Organization. y 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 :
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y Proof of Identity (Passport Copy/ Voters ID card/ Driving License. y Address Proof (Ration card Tel/Elect. Bill/ Rental agr. / Passport
copy/Trade license /Est./Sales Tax.

y Bank statement (latest 3 months bank statement 6 month pass book). y Latest salary slip or current dated salary certificate with latest form 16.
Self Employed (Professional): Include self employed Doctors, Chartered
Accountants, Architects, Company Secretaries.

Eligibility Criteria
y y y y

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 :
y Proof of identity (Passport Copy / Voters ID card / Driving License). y Address Proof (Ration card Tel/ elect. Bill/ Rental agr./Passport copy / Trade license/Est./Sales tax certificate). y Bank Statements (latest 6 months bank statement /pass book.) y Latest ITR along with computation of income , B/S & P&L a/c for the last 2yrs. certified by a CA. y Qualification proof of the highest professional degree.

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Fees & Charges For Personal Loan : Description Of Charges

Rack Interest Rate Range

Personal Loan
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 Certificate (NOC) Duplicate no due certificate NOC

NIL Rs 250/-

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Solvency Certificate Charges for late payment of EMI

Not applicable @ 24 % p.a on amount outstanding from date of default Not applicable

Charges for changing from fixed to floating rate of interest Charges for changing from floating to fixed rate of interest Stamp Duty & other statutory charges Credit assessment charges Non standard repayment charges Cheque swapping charges Loan Re-booking charges / Rescheduling charges Loan cancellation charges Cheque Bounce Charges Legal / incidental charges

Not applicable

As per applicable laws of the state Not applicable Not applicable Rs 500/- per event Rs 1000/Rs. 1000/Rs 450/- per cheque bounce At actual

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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

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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

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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.

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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 1st August 2008 1st December 2008 Net Effect 2008 6th August 2009 30th March 2011 12th July 2011 0.75% + 0.75% + 0.50% 1.00% + 0.25% 0.25 + 0.25 + Increase Increase Decrease Net Increase of 1.00% has been applied w.e.f 1st December 2008 Decrease of 0.25% w.e.f September 09 EMI Increase of 0.25% w.e.f May'11 EMI 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 Cheque swapping charges Bounce cheque charges Duplicate Statement Charges (per statement) 2% Per month. Rs.500 Rs.500 Rs 100/- per page, Maximum Rs 300/-

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Issue of Duplicate Provisional Interest Certificate Issue of Duplicate Interest Certificate Duplicate Balance Certificate Issue of Amortization Schedule (Duplicate) Switch from Variable to Fixed Switch from Fixed to Variable Photocopy of Documents

Rs. 300/Rs. 300/Rs. 300/Rs. 300/Not Applicable Not Applicable Rs.500

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Two Wheeler Loan :

100 CC?. 180 CC? Or maybe a 500 CC? y 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. y 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.

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Features & Benefits :

 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. y 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.

Eligibility & Documentation : Eligibility Criteria :

y You are a salaried or self-employed individual. y You are between =>21 years (at the time of application) and <= 65 years (at the end of the loan tenor). y 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. y 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

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documents to the bank during loan approval stage). y You have been working for at least 1 year. y 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.

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Fees & Charges For Two Wheeler Loans : Description of charges

Loan Processing Charges

Two wheeler loans

Maximum - 4% of Loan Amount or Rs.600/- whichever is higher 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 Nil Rs 250/NA

Pre-payment charges

No Due Certificate / No Objection Certificate (NOC) Duplicate no due certificate / NOC Solvency Certificate

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 Bounce Cheque Charges Rs 1000/Rs 450/-

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Duplicate Repayment Schedule charges Legal, Repossession & Incidental charges Direct Sourcing Charges Transaction Fee for Suraksha Kavach Service Charges Special NOC PDD Charges

Rs 500/At actual Up to Rs.750/- per vehicle Rs 100/- per Cover Note Issued Rs 50/Rs. 500/- per request Up to Rs.125/-

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