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first to receive an "in-principle" approval from the reserve bank of India (RBI) to set up a bank in the private sector, as part of RBI liberalization of Indian banking industry in 1994. The bank wasin corporate in Aug. 1994 in the name of HDFC Bank Ltd. With its registered office in Mumbai, India, HDFC Bank commenced operations as scheduled commercial bank in January 1995.
HDFC Bank is the fifth or sixth largest bank in India by assets and the second largest bank by market capitalization as of February 24, 2012. The bank was promoted by the Housing Development Finance Corporation, a premier housing finance company (set up in 1977) of India. HDFC Bank has 1,986 branches and over 5,471 ATMs, in 996 cities in India, and all branches of the bank are linked on an online real-time basis.
BOARD OF DIRECTOR Mr. Jagdish kapoor, (Chairman) Mr. Aditya Puri, (Managing Director) VICE PRESIDENT AND COMPANY SECRETARY Mr. Sanjany Dongre AUDITOR M/s P.C Hansotia & Co.Chartered Accountant REGISTERED OFFICE HDFC BANK HOUSE Senapati Bapat Mart,Lower Parel,M u m b a i 4 0 0 1 3 Tel. No. 66521000 F a x N o . 2 4 9 6 0 7 3 7 Website : www. hdfcbank.com
Asia Money 2012 Finance Asia Asian Banker International Excellence in Retail Financial Services Awards 2012
- Best Domestic Bank in India - Best Managed Company - Best Retail Bank in India - Best Banc assurance
- Best Risk Management ICAI Awards 2011 Business world Best Bank award Financial Express Best Bank Survey 2010-11 CNBC TV18's Best Bank & Financial Institution Awards Dun & Bradstreet Banking Awards 2011 ISACA 2011 award for IT Governance IBA Productivity Excellence Awards 2011 DSCI (Data Security Council of India) Excellence Awards 2011 Euro money Awards for Excellence 2011 FINANCE ASIA Country Awards 2011: India Excellence in Financial Reporting Best Bank Best in Strength and Soundness - 2nd Best in the Private Sector Best Bank Best Private Sector Bank - SME Financing Best practices in IT Governance and IT Security New Channel Adopter (Private Sector) Security in Bank Best Bank in India - Best Bank - Best Cash Management Bank - Best Trade Finance Bank Strongest Bank in Asia Pacific Best Bank
Finance Asia CNBC TV18's Best Bank & Financial Institution Awards
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 corporates for providingworking 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.
Distribution network: HDFC Bank is headquartered in Mumbai and as of March 31, 2012, the Banks distribution network was at 2,544 branches and 8,913 ATMs in 1,399 cities as against 1,986 branches and 5,471 ATMs in 996 cities as of March 31,2011.
The Housing Development Finance Corporation Limited (HDFC) was amongst the first to set up a bank in the private sector under the approval from RBI. The bank was incorporated in August 1994 in the name of 'HDFC Bank Limited with its registered office in Mumbai. HDFC Bank keeps the credit of the first bank in India to launch an International Debit Card in association with VISA (Visa Electron). As a fast growing bank it has a network of 2,544 Branches and 9,709 ATM's in India.
Moreover, HDFC Bank's ATM network can be accessed by all domestic and internationalV i s a / M a s t e r C a r d , V i s a E l e c t r o n / M a e s t r o , P l u s / C i r r u s a n d A m e r i c a n E x p r e s s Credit/Charge cardholders.
Personal loan:::
Overview
Whatever the occasion, HDFC Personal Loan can help. The procedure is simple, documentation is minimal and approval is quick.Borrow up to Rs 15, 00,000 for any purpose depending on your requirements with Flexible Repayment options.If you are an existing Bank Customer or an Auto Loan customer with a clear repayment of 12 months or more from any of HDFC approved financiers or HDFC bank, you can get a hassle free personal loan (without income documentation).
Loan Feature
Loan Amount Upto Rs 15,00,000/- depending on your income and repayment capacity.
Interest Rate
Tenure
12 to 60 months.
Service Charges
Salaried
Self
Age
21-60 Years
Income
Minimum Net Monthly Income: At least Rs. 10,000/- per month net income (Rs. 15,000/- in Mumbai, Delhi, Bangalore, Chennai and Hyderabad, Rs. 12,000 in Calcutta, Ahmedabad and Cochin)
Self employed (Professionals):Minimum Annual Income-Rs. 100000 ;Self Employed (Individuals):Minimum Annual Income-Rs. 100000
Job Experience
Self employed (Professionals):4 to 7 years depending on profession;Self Employed (Individuals):3 years in current organisation, with 5
Salaried
Self
ID Proof
Address Proof
Ration card/telephone or electricity bill/rental agreement/passport copy/trade license/sales tax certificate/Establishment/ Sales Tax certificate
DOB Proof
Not Required
Not Required
Charges for changing from fixed to floating rate of interest Not applicable Stamp Duty & other statutory charges Cheque swapping charges Cheque Bounce Charges As per applicable laws of the state Rs 500/- per event Rs 450/- per cheque bounce
At actual
Instant loans available on the gold jewellery you own Repayments only by servicing regular interest on the loan. No EMIs! Assured security of your gold jewellery.
Docs required:
Other charges:
Fees
Amount to be paid
Valuation Fee
Nil
Not Applicable
Not Applicable
Not Applicable
Home loan:
Overview
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.
Loan Feature
Loan Amount Up to 80% of the cost of the property
Interest Rate
Tenure
Upto 15 years
Salaried
Self
Age
21-60 years
25-65 years
Income
Job Experience
Residence Proof
Salaried
Self
ID Proof
Address Proof
DOB Proof
Education loan:
Overview
With HDFC bank student education loans, pursue your dream higher studies without worrying for financial assistance. HDFC provides student education loans for all Graduate, Post-Graduate, Engineering, Medical, MBA , Vocational Courses (Multi-Media, ERP) offered by recognized institutions in India and abroad.
Loan Feature
Loan Amount Loans upto Rs.15 Lakhs for Education in India and upto Rs.20 Lakhs for Education abroad
Interest Rate
Tenure
Repayment to start 1 year after course completion / 6 months after obtaining employment (whichever is earlier). Loan available upto tenure of 7 years including moratorium period
Service Charges
Salaried
Self
Age
16 - 35 yrs
16 - 35 yrs
Income
Job Experience
Residence Proof
Salaried
Self
ID Proof
Co-Applicants Passport Copy/ Voters ID card/ Driving Licence/Copy of PAN Card/Other valid ID
Co-Applicants Passport Copy/ Voters ID card/ Driving Licence/Copy of PAN Card/Other valid ID
Address Proof
Passport/Voters ID/Driving License/Latest Electricity bill/Latest Landline Telephone Bill/Any other Valid Address proof
Passport/Voters ID/Driving License/Latest Electricity bill/Latest Landline Telephone Bill/Any other Valid Address proof
DOB Proof
Birth Certificate
Birth Certificate
Amount of Charges
@ 24 % p.a. on amount outstanding from date of default Upto Rs. 500/- per event Upto Rs. 1000/Upto Rs. 450/- per Bouncing
As per applicable laws of the state
Charges for late payment of EMI Cheque swapping charges Loan cancellation / re-booking charges / Re-scheduling Bounce Cheque Charges
Stamp Duty and other atatutory charges
At actual
Car loan:
Overview
Just decide on the make & model, and the HDFC New Car Loan will bring it to your driveway in no time.Covers the widest range of cars and multi-utility vehicles in India.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 and better Interest Rates
Loan Feature
Loan Amount Borrow up to 3 - 6 times your annual income. Avail up to 100% finance on your favorite car**
Interest Rate
Tenure
12 to 60 Months
Processing Fee: Up to 2.5 Lakhs : Rs.2625/Over Rs. 2.5 Lakhs up to 4 Lakhs : Rs.3650/Service Charges Over Rs. 4 Lakhs to 5 Lakhs : Rs.4100/Over Rs. 5 Lakhs up to 10 Lakhs : Rs.4450/Over 10 Lakhs : Rs.4950/-
Salaried
Self
Age
21-65 Years
21-65 Years
Income
Net profit Rs. 60000 p.a for standard cars and Rs.100000 p.a. for mid-sized and premium cars
Job Experience
1 year in current employment and minimum 2 years of employment Atleast 3 years in business
Residence Proof
Telephone: Must at residence ; Private & Public Limited Company:Telephone-One phone at least at business
Salaried
Self
ID Proof
Passport copy, PAN Card, Voters Id car, driving licence( Laminated, Recent, Legible)
Passport copy, PAN Card, Voters Id car, driving licence( Laminated, Recent, Legible)
Address Proof
Ration card/Driving licence/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy PAN Card.
Self Employed:Ration card/Driving licence/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy PAN Card;Partnership Firms & Private Limited Company : Telephone Bill/Electri
DOB Proof
Overview
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.
Loan Feature
Loan Amount 4% of the outstanding principal
Interest Rate
N.A.
Tenure
Service Charges
Loan Processing Charges: 2% of the loan amount Pre-payment charges: 4% of the outstanding principal (pre-payment is allowed only after 6 months) Charges for late payment of EMI: 2 % per month on overdue EMI amount Charges for changing from fixed to floating rate of interest: 0.25% of the loan amount
Salaried
Self
Age
Income
Job Experience
Residence Proof
Salaried
Self
ID Proof
Address Proof
DOB Proof
Business loan:
Overview
We provide business loan for short or long term financial needs of business organizations. A lot of times it is important for businessmen to acquire a certain amount of money for running their enterprise. It is well known that without the required capital no business can run. For any business whether in initial stage or in growth phase, capital is required to keep up the momentum.
Loan Feature
Loan Amount Minimum Rs 5 Lac
Interest Rate
N.A.
Tenure
Not mentioned
Not mentioned
Service Charges
Self
Age
Income
Job Experience
Residence Proof
Self
ID Proof
Address Proof
DOB Proof
Wide network of branches and over 7300 ATMs to meet all your banking needs, no matter where you are located. Bank conveniently with facilities like NetBanking and MobileBanking check your account balance, pay utility bills or stop cheque payments all via SMS. Never overspend shop using your International Debit Card that reflects the actual balance in your savings account. Personalised cheques with your name printed on each cheque leaf for enhanced security. Take advantage of BillPay an instant solution so you can pay all your frequent utility bill payments. Instruct for payments over the phone or through the Internet. Avail of facilities like Safe Deposit Lockers, Sweep-In and Super Saver facilities on your account. Free cash withdrawals at any other Bank's ATMs* Free Payable-at-Par chequebook, without any usage charges. Free InstaAlerts for all account holders for lifetime of the account. Free passbook facility available at home branch for account holders (individuals). Free Email Statement facility.
Eligibility criteria:
If you are a foreign national, you have to be residing in India for a period greater than 180 days and you have to provide us with:
A valid passport A valid Visa FRRO (Foreign Regional Registration Office) Certificate Residential permit
Please note: It is mandatory to maintain a minimum average monthly balance (AMB) of Rs. 10,000 (metro/urban branches), Rs. 5000 (semi-urban/rural branches). If the balance is not maintained, the following service charges will be levied: For urban/metro branches: If AMB in the account is between Rs 5,000 to Rs 10,000, a charge of Rs 250/- per month would be levied. If AMB is less than Rs 5,000, a charge of Rs 350/- per month would be levied. Semi urban/rural: If AMB in the account is between Rs 2,500 to Rs 5,000, a charge of Rs 250/- per month would be levied. If AMB is less than Rs 2,500, a charge of Rs 350/- per month would be levied.
Description of Charges Minimum Balance - Average Monthly Balance (AMB) Cheque book
Regular Savings Account Rs. 10,000 (Metro / Urban branches), Rs. 5, 000 (Semi-Urban / Rural branches) Free - 25 cheque leaves per calendar quarter Additional chequebook of 25 leaves will be charged @ Rs 50/per chequebook Rs. 5 per leaf on non-maintenance of min. balance Monthly statements to be collected from branch. Quarterly statements sent by post Upto 14 days - Nil 15 days upto 12 months - Rs 500/Beyond 12 months - Nil
Zero Balance Savings Account Free payable at par cheque book @ 25 cheque leaves per quarter 5 Free transactions per month at Non- HDFC Bank ATMs in India Free for life International Debit Card for the primary applicant with ATM cash withdrawal limit of Rs 25,000 per day and POS usage limit of Rs.40,000 per day. Add-on International debit card for secondary holder (Free for the first year) Free Personal Accidental Death Cover of Rs. 1 lakh* Anywhere Banking across our extensive Branch and ATM network Free Quarterly Account Statements Free Monthly Account statements by e-mail (Optional) Free Passbook facility available at home branch for account holders Free DDs /MCs up to Rs. 25,000 per instrument payable at HDFC Bank branch locations Free mobile and e-mail alerts (InstaAlerts Facility) Free Utility payment facility (BillPay) Free Phonebanking, MobileBanking and NetBanking Electronic Funds Transfer options (NEFT / RTGS)
Description of Charges
NIL
Account Closure
ATM Card
Free
Mobilebanking
Free
Netbanking
Free
Get convenient inter-city banking and free cheque payments anywhere. Free Collections of funds through RTGS and NEFT Free Payments through NEFT. Nominal charges for RTGS payments Transfer funds across cities between HDFC Bank accounts at a nominal charge of Rs.15 per transactions Get a payable-at-par cheque book at a nominal price. Enjoy Doorstep Banking* for your convenience and security. Cash and cheque pick-ups and cash deliveries can be arranged from your doorstep, through a reputed agency. Get 24-hour PhoneBanking, NetBanking and MobileBanking to check your account balance and transaction details, find out the status of your cheques or stop cheque payments.
Eligibility criteria:
You are eligible to operate a Regular Current account if you fall under any of the following categories:
Resident Individual Hindu Undivided Family Sole Proprietorship Partnership Limited company Trust Association/Club/ Society Foreign Institutional Investor Foreign national residing in India Limited Liability Partnership
Description of Charges
Rs. 10,000/-
Average of daily closing balances of each day spread over a period of three months.
Payable-at-par
Account Statement
Free (Monthly)+
Free
Free
Cash Deposit
Free upto Rs.2 lacs per month or 25 transactions, whichever is lower. Deposit in excess of Rs.2 lacs or 25 transactions will be charged @ Rs.3 per 1000, minimum Rs.50
Cash Deposit - Non-Home Location - Maximum Rs.10,000 per day. Charges @ Rs. 3.5 per 1000, min Rs.50 per transaction
Cash Withdrawal
Cash Withdrawal charges @ Rs.2/1000, min Rs.50 per transaction.Third party cash withdrawal allowed only up to maximum Rs. 50,000 per transaction.
Easy investments with high returns Flexibility and security in one offering Higher rate of interest on Fixed Deposits for Senior Citizens
Eligibility criteria:
Below are the individuals and groups eligible for a Regular Fixed Deposit:
Residents Hindu undivided families Sole proprietorship firms Partnership firms Limited companies Trust accounts
An investment as small as Rs 500 (and in multiples of Rs 100 there after) or as large as Rs 14,99,900/- per month A minimum tenure of 6 months (and in multiples of 3 months thereafter) up to a maximum tenure of 10 years. For a much smaller investment per month, get interest rates equal to that of regular Fixed Deposits. TDS is not applicable on the Interest earned by Recurring Deposits as per current income tax rules. Grace Days Facility is 5 days. If the installment is paid within 5 days of the installment due date, the customer will not be charged any penalty.
Eligibility criteria:
No Account Opening charges 1st year waiver on Annual Folio Maintenance Charges Transaction linked Annual Folio Maintenance charge from 2nd year onwards (More you transact, Lesser you pay) No stamp duty on transfer of securities held in Demat form Auto credit of rights / bonus / public issue / dividend through ECS Holding / Transaction details through HDFC Bank Net Banking Pledging of securities
Wide availability of locker locations and sizes Access to safe-deposit lockers at all branches, no matter where your account is held. Lockers are rented for one year, and rent is payable in advance.
Eligibility criteria:
Lockers can be hired by individuals, limited companies, associations and trusts To use a locker, you should hold a Savings or Current account with HDFC Bank
Nomination facility:
Nomination on safe-deposit lockers enables HDFC Bank to release the contents to the nominee of the hirer, in the event of the death of the hirer. If a locker is held jointly, and one of the hirers dies, the contents can only be removed jointly by the nominee(s) and the survivors The nomination facility is available to both single and joint hirers For sole hirers, the nomination can be made in favour of just one individual Unpaid locker rentals are recovered from the nominee If a locker is hired for a minor, the nomination will be made by someone lawfully entitled to act on behalf of the minor
Locker rates vary for different branches in various sizes, hence customers are requested to get in touch with respective branch. Terms and conditions:
Lockers can be allotted individually as well as jointly. The Locker holder is permitted to add or delete names from the list of persons who can operate the Locker or have access to it locker. Loss of key is to be immediately informed to the base branch
Surrendering lockers:
Lockers are to be surrendered only basis a written request from the Customer (in person) duly signed by all Locker holders. Any exceptions will be handled on a case-to-case basis.
Contents of the letter should clearly state that the locker has been vacated & all the belongings have been removed. If the locker is surrendered in the middle of the financial year, rent collected for the remaining months will NOT be refunded to the customer.
c. platinum edge
b. doctors platinum
c. teachers platinum
2.
3.
4.
Prepaid cards 1. ForexPlus Card 2. ForexPlus Chip Card 3. ForexPlus Platinum Card 4. GiftPlus Card 5. Mudra Gift Plus Card 6. FoodPlus Card 7. MoneyPlus Card
Insurance: Life insurance:
Choice of taking the plan on a single life basis or a joint life (first claim) basis Flexibility to choose the life cover to be paid to your family in case of your unfortunate demise
Health Suraksha
Great way to optimally cover your family for healthcare expenses at an affordable rate Get cashless claims service at more than 3500 network hospitals
Motor insurance:
Travel insurance:
Features
Protect your travels against any loss, delay or damage. Instant Online Policy Issuance Choose from a range of policies for individuals ranging in the age group of 6 months to 70 years.
Benefits
Get cashless hospitalisation No medical / health check-up Emergency assistance will be available to you on call 24x7 if you need to make international travel claims.
Complete Protection: Avail of protection for both your home and its contents Optional cover: Along with extensive coverage, a low cost optional cover for burglary, including theft and larceny is also offered. Premium discounts: You can avail of a premium discount 15% for security features at your home Minimum Documentations: Minimum & uncomplicated documentation required for this policy.
Benefits
Personalised attention from dedicated Relationship Manager Investment Services to help you make the right choice for your assets Relationship Pricing across products like loans, foreign remittances and so on
Eligibility criteria:
Membership to the HDFC Bank Imperia Programme is by invitation only. To be eligible for the exclusive benefits you need to: Maintain a minimum Average Monthly Balance of Rs.30 Lakhs across all your Savings and Fixed Deposit* accounts. OR Maintain an Average Quarterly Balance of Rs.10 Lakhs in your Savings account. OR Maintain an Average Quarterly Balance of Rs.15 Lakhs in your Current account
Preferred banking:
Eligibility criteria:
You are eligible for the HDFC Bank Preferred Programme ** if you:
Hold at least one Savings or Current account, sole or joint, with HDFC Bank. Maintain a minimum Average Monthly balance of Rs. 15 Lakhs across all your accounts (Savings, Current and Fixed Deposits*) OR Maintain an Average Quarterly Balance of Rs. 2 Lakhs in your Savings account. OR Maintain an Average Quarterly Balance of Rs. 5 Lakhs in your Current account. The requisite balance can be maintained over your accounts and over those of your immediate family members.
Classic banking:
Eligibility criteria:
You can avail of these privileges as an HDFC Bank Classic customer if you maintain an account with us in your individual capacity and meet the following criteria:
A minimum Average Quarterly Balance of Rs.1 Lakh in a Savings Bank account (this can be maintained across Savings Bank accounts held by you and your immediate family (i.e. spouse/ parents/ children) OR A minimum Average Monthly Balance of Rs. 5 Lakhs in a combination of Savings Bank accounts and Term Deposits (this can be maintained across accounts held by you and your immediate family (i.e. spouse/ parents/ children).