Personal Loan Features & Benefits

Borrow up to Rs 15,00,000 for any purpose depending on your requirements.

Flexible Repayment options, ranging from 12 to 60 months.

Repay with easy EMIs.

One of the lowest interest rates.

Hassle free loans - No guarantor/security/collateral required.

Speedy loan approval.

Convenience of service at your doorstep.

Customer privileges

 If you are an HDFC Bank salary account holder, we have a special offer for you

 If you are an existing Auto Loan or Home Loan customerwith a clear repayment of 6 months or
more from any of our approved financiers or us, you can get a hassle free personal loan (without
income documentation).

 If you are an existing HDFC Bank Personal Loan customerwith 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 outstandings on the loan upto a maximum of the
loan amount.Principle outstanding is defined as the amount of loan outstanding (not including any arrears in
payment or interest thereon) at the Date of Loss,having accounted for payments made and interest accruing as
determined in the Policy. Hence,the amount covered does not include any principal added because of non -
payment of EMI and also will not include interest/ accrued charges.*
Personal Accident Cover
In order to ensure that your family is taken care of we also offer a Personal Accident cover of Rs.2,00,000 at a
nominal premium.*

* Premium will be charged for both these products which will be deducted from the loan amount at the time of disbursal .A
transaction fee of Rs.750 will also be deducted at the time of disbursal. Please note that service tax @ 10% and Education
cess of 3% will also be charged.

 
SmartDraft is an unsecured overdraft facility offered to HDFC Bank's corporate salary account holders. The facility
operates in the form of additional funds in the account, for use during short-term exigencies. 

Our corporate salary account holders can avail of Overdraft facility of up to 3 times* the salary. 

Features & Benefits

 Overdraft limit up to 3 times the salary*

Minimum documentation

No pre-closure charges

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

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

Interest payable on the amount utilised

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

Easy documentation

Limit will be set on the existing account

Non EMI based facility

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.

Home Loans Features & Benefits

Home Loan - Home loans for individuals to purchase (fresh / resale) or construct houses. Application can be
made individually or jointly. HDFC finances up to 85% maximum of the cost of the property (Agreement value +
Stamp duty + Registration charges) based on the repayment capacity of the customer.

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

Home Extension Loan - HEL facilitates the extension of an existing dwelling unit. All the terms are the same
as applicable to Home Loan.
 Land Purchase Loan - Be it land for a dream house, or just an investment for the future, HDFC Land Purchase
Loan is a convenient loan facility to purchase land. HDFC finances up to 85% of the cost of the land (Conditions
Apply). Repayment of the loan can be done over a maximum period of 15 years.

Choose from Fixed Rate or Floating Rate with options to structure your loan as Partly Fixed or Partly
Floating.

Flexible repayment options to suit your individual needs.

Loan cover Term Assurance Plan - HDFC Standard Life Insurance Company Ltd. offers an insurance plan*,
which is designed to ensure that life's uncertainties do not affect your family's interests and your precious home.
LCTAP provides a lump-sum payment on the unfortunate demise of the life assured.

This pure risk plan is designed in a way that the cover decreases as you repay your home loan making it a low
cost premium insurance plan.
*Insurance is the subject matter of solicitation.

Automated Repayment of Home loan EMI - You can give us standing instructions to repay your Home Loan
EMIs directly from your HDFC Bank Savings Account, thus, saving you the trouble of procuring, signing and
tracking post-dated cheques.

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

Customer privileges - If you are an existing HDFC Home Loan customer, you can avail of other loans (such
as Personal Loans, Car Loans, Two-wheeler Loans and Loan against securities) at lower interest rates.

Features & Benefits

Eligibility & Documents

Fees & Charges

Special Schemes

FAQs

Apply Now

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

Super-Bike Finance scheme now available for Harley Davidson Motorcycles. For more details of the
scheme, SMS <TWL> to 5676712 or write to tw.support@hdfcbank.com
Whichever the bike, our Two Wheeler loan is the answer. With quick approvals, flexible payment options and easy
repayment - we'll help you buy the bike you desire.

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

 FastTrack - If a spot approval is what you need, this highly flexible scheme gets you a loan of up to 70%
with minimum interest rates.

 EasyLoan - This great scheme gets you a loan of upto up to 85% with minimal documentation. All you need
as a Surrogate Income proof is: 
- A copy of credit card and credit card billing statement for the last 2 months OR 
- A repayment track record OR 
- Last 3 months bank statements.

Features & Benefits

Fastrack your Loan

Eligibility & Documents

Car Segments & Funding

New Car Bazaar

Apply Online

Leave your Number

Quick and Easy car Loans
 
Small car?
Family car?
or sheer luxury on wheels?

Just decide on the make & model, and our New Car Loan will bring it to your driveway in no time.

Features & Benefits

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

Avail 100% finance on your favourite car.**

Flexible repayment options, ranging from 12 to 84 months.

Borrow up to 3 times your annual salary (for salaried professionals) and 6 times your annual income (for
self employed professionals)*.

Speedy processing - within 48 hours.

Repay with easy EMIs.

Attractive car loan plans - To Fastrack your loan, just choose the plan that is right for you.

Attractive Interest rates

Hassle-free documentation.

Customer Privileges

 If you are an HDFC Bank account holder, we have special rates for you.

 If you have had a Preferred Account or a Corporate Salary Account with HDFC Bank for more than six
months, you can get fast approvals on your loans with minimal documentation.

 If you are an existing HDFC Bank Car Loan customer with a clear repayment of 12 months or more we
can Top-Up your car loan to the extent of the original loan value.
 Features & Benefits

Fees & Charges

Fastrack your Loan

Eligibility & Documents

FAQs

Car Bazaar

Apply Now

Single owner?
Good average?
and within your budget?

HDFC Bank's Used Car Loan will put you in the driver's seat. What's more, HDFC Bank also helps you select good
quality used cars and even value them.

Features & Benefits

Choose any car manufactured in India within a certain age*.

Borrow up to 80% of the value of the car.

Flexible repayment options, ranging from 12 to 60 months.

Borrow up to 3 times your annual salary (for salaried professionals) and 6 times your annual income (for
self employed professionals)**.
Available for almost all car models at attractive interest rates.

Repay with easy EMIs.

Attractive car loan plans - To Fastrack your loan, just choose the plan that is right for you.

Additional loan on existing loan - If you are a existing HDFC Bank Auto loan customer with a clear track
record of 12 months or more, then you can get an additional loan to the extent of your existing loan amount at
attractive rate of interest.
Customer Privileges

 Special benefits for HDFC Bank account holders.

 If you have had a Preferred Account or a Corporate Salary Account with HDFC Bank for more than six
months, you can get fast approvals on your loans with minimal documentation.
 Features & Benefits

Eligibility & Documents

Fees & Charges

FAQs

Apply Now

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.

Features & Benefits

Avail Loan upto Rs.10,00,000 & upto 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 !!!

Features & Benefits

Eligibility & Documents

Fees & Charges

FAQs

Apply Now

Get liquidity from your investments, without selling them.

Features & Benefits

You can enjoy the benefits of your securities and still avail a loan on the same.

 No EMIs
 No Post Dated cheques
 No Pre-payment charges
 Interest charged only on utilised amount.
 Exhaustive number of approved securities
 Upto 80% Loan
 Simple and speedy processing
 Term Loan facility also available against select securities

Overdraft facility can be availed against pledge of:

 Equity Shares* - Demat Shares up to 50% of the value.

See approved scrips.
 Mutual Fund units* - Mutual Funds up to 50% of NAV (Net Asset Value). See approved Mutual Fund
Schemes.
 Gold ETF
 NABARD's Bhavishya Nirman Bonds
 RBI Bonds (8% Savings Bonds 2003 (Taxable))
 Life Insurance Policies issued by LIC & Select Private Insurance Companies See approved Life
Insurance Policies.
 National Savings Certificate (NSC)
 Kisan Vikas Patra(KVP)
 Gold Deposit Certificates (GDC)
 Non Convertible Debentures

* The contribution of single scrip should not exceed 65% of the total portfolio value at any point of time during the tenure of the account.Loan is
sanctioned as per applicable internal policy of the Bank.

Single Scrip Lending - up to 50% of the value with any Depository Participant. (please contact us to know the
drawing power of the scrips) Click here to know more.
Minimum loan amount: Rs. 2,00,000/-

Pay interest only on the amount outstanding and only for the time you use it.

Interest is calculated on the daily outstanding balance and debited to your account every month end.

Shares can be pledged from any Depository (NSDL or CDSL) and any Depository Participant across the
country
Loan available to NRIs against Shares, Mutual Funds(equity,Debt,FMPs), Insurance Policies,NSC,KVP

To receive the overdraft amount, a Current Account with an overdraft limit is created in your name. This entitles
you to all the Current Account benefits like FREE International Debit Card, FREE PhoneBanking, FREE
NetBanking.
 Features & Benefits

Eligibility & Documents

Fees & Charges

Apply Now

Need large amounts of cash?

Have some property to your name?
Would like to leverage your property without giving it on rent or selling it?

HDFC Bank brings to you Loan Against Property (LAP). You can now take a loan against your residential or
commercial property, to expand your business, plan a dream wedding, fund your child's education and much more. 

You can depend on us to meet all your business requirements even to purchase a new shop or office for your
business. Loan to purchaseCommercial Property (LCP) is a specially designed product to help you expand your
business without reducing the capital from your business.

Features & Benefits

Loans to expand your business or to meet any personal need

Residential & Commercial properties accepted

Maximum Loan to value*

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

High tenure loans for ease of repayment.

Attractive interest rates.

Specially designed products for Self Employed. 

Features & Benefits

Apply Now
Do you own a rented out commercial property? 

Do you need additional funds? 

Enjoy the benefits of future rentals today and execute your business plans immediately. HDFC Bank's Loan against
Rent Receivables (LARR) empowers you to use your rental cash flows right now! 

Under LARR, we provide funds for your business against your rent receivables. You can use the funds to grow your
business, consolidate your existing loans, expand your business into newer ventures or use the funds for any other
requirement you may have. 

Salient Features & Benefits:

Higher eligibility on net rentals.

Attractive interest rates.

Extended loan tenure available.

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

Simple documentation and fast processing.

Contact us now for further details!!

Features & Benefits

Eligibility & Documents

FAQs

Contact Us

Do you need medical equipment that will change your clinic/hospital into a modern day diagnostic center, but don't
know where to get the finance? 

Don't get stressed! You have come to the right place. 

Product Offering
We at HDFC Bank - Healthcare Finance offers easy loans for:
New Equipment Finance : Finances for purchase of new medical equipment.

Balance Transfer / Takeover : Transfer your equipment loans from other financiers at attractive interest rates
with us.
Funding for Imported Equipment's : Finance on imported equipment's by opening a Letter of Credit or
through Telegraphic Transfer.
Refinance / Used Asset Finance : Funding against your existing lien-free assets.

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

Customer Segment

The Healthcare Finance Group works directly with:

Doctors

Diagnostic Centres

Speciality Clinics

Nursing Homes

Small & Medium Sized Hospitals

Large Hospitals

Loan Features

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

Loans upto 80% of invoice value

Repayment period of 12 to 60 months

Repayment through post dated cheque / direct debit mandate

Equipment to be hypothecated to HDFC Bank

Attractive Interest Rates

 Overview

Eligibility &
Documentation
Apply Now

Agriculture is the main occupation of the people of India. Nearly 2/3rd of our country's population is directly or
indirectly engaged in agriculture. It contributes to 21% of our GDP. Keeping this in mind, we have designed the
Kisan Gold Card to envisage a convenient and hassle-free loan to the farmer for meeting his production and
investment requirements. Banks have been giving these loans, but with our technology edge we conceived a real
plastic for the farmer for giving him the convenience to bank anywhere, anytime and not being restricted to a 10am-
2pm banking culture. The card, launched in association with Visa International, can also be used at POS terminals
globally.

Features & Benefits

The Kisan Gold Card is aimed at meeting the production and investment needs of the farming community.
Production needs broadly cover crop production requirements, including funds for all related inputs to grow a crop.
We also meet Post Harvest and Domestic consumption requirements.

The Card caters to investment needs such as purchase of agricultural related equipment/implements, irrigation
requirements, construction of farm related buildings, and investment in agriculture related activities such as Dairy,
Piggery, Beekeeping and the like.

The credit limit on the card, sanctioned for three years, is based on the production requirements of the farmer. The
limit will be renewed every three years.

24-hour Banking Facility 

The Card can be used at any HDFC Bank ATM across the country and all Visa establishments worldwide.
Personal Accident Insurance Cover of Rs. 2 Lakh, free to all cardholders

Daily withdrawal limit through the card is Rs. 15,000 at ATMs and Rs. 25,000 for usage at merchant outlets.

The return on investments is the best in the industry.

The Debit Card is backed by line of credit.

 Features & Benefits

Eligibility & Documents

Tractor Plus

Fees & Charges

FAQs

25 HP tractor?
35 HP - 50 HP tractor ?
Higher HP tractor ? 
If you are looking for finance to buy your tractor, you have come to the right place. We offer hassle-free Tractor laon
with the best terms for funding at the most attractive rates in India.

Features & Benefits

Covers a wide range of tractors manufactured in India.

Covers customer segments, using tractors for agricultural as well as commercial purposes.

Avail finance up to 85 % on your favourite tractor.

Flexible repayment options ranging from 12 - 84 months.

Speedy processing.

Repay with easy PDC's or by way of cash collection.

Attractive interest rates.

Hassle Free documentation.

Overview

Advantages

Location

Apply Now
 Overview

Are you looking at finance or loan options for the purchase of your truck, bus, tipper or light commercial vehicle?

You are looking at the right place. We offer hassle-free commercial vehicle loans with the best terms for funding at
the most attractive rates in India.

Loans are extended for the purchase of:

Commercial Vehicles - Loans for commercial vehicles (this includes buses, trucks, tempos, tippers), LCVs (light
commercial vehicles, HCVs (heavy commercial vehicles), MCVs (medium commercial vehicles) and three
wheelers. 

We provide funding for all models of Telco, Ashok Leyland, Swaraj Mazda, Eicher, Bajaj Tempo, Volvo etc. The
choice is entirely yours. 

Type of loans

New Vehicles

Used Vehicle / Refinance

Balance Transfer

Top-Up loans

Overview

Overview

We are a bank with substantial appetite for recognised credits. We have a team of customer-driven relationship
managers with wide industry experience in various segments.
We can offer you working capital finance by way of cash credit or loans suitably structured to your needs and your
risk profile.

Features & Benefits:

Loan amounts from Rs 5 Lac onwards

Easy Documentation

Fast Processing

At par cheque facility

Internet Banking & Phone Banking Facilities

Multi-Location Banking

Documentation:

Bank Statements for last 12 months for all primary accounts

Brief history and profile of Company and its promoters

Audited Financials for last two financial years.

Latest Debtors statement with ageing analysis

Sanction Letter of an existing bank limit (if any).

Any other documents as required by the bank at a later stage

Overview

Advantages

Location

Apply Now

Overview

Are you looking at finance or loan options for the purchase of your construction equipment?
You are looking at the right place. We offer hassle-free construction equipment loans with the best terms for funding
at the most attractive rates in India.

 
Loans are extended forthe purchase of:

Any equipment working on construction/mining/civil contracts like JCB, Excavators, Wheel Loaders, Tata/AL
Tippers, Forklifts etc.

We provide funding for all models of Telcon, JCB, L&T, Schwing Stetter, Caterpiller, Volvo etc.

Types of Loans

New Equipments

Used Equipments/Refinance

Balance Transfer

Top-Up loans

Features & Benefits

Documents

FAQs

Realize better prices and avoid distress sale for your commodity on availing HDFC Bank Warehouse Receipt
Loans. The procedure is simple, documentation is minimal and approval is quick.

 
Features & Benefits

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

Avail Loan against wide range of commodities

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

Attractive interest rates.

Quick loan approval process

Avail loan against Demat commodities

Customer privileges - Existing asset relationship customers can avail a special Top-Up loan facility.

Stock insurance cover - We also offer you stock insurance facility for commodity stocked.