“hdfc bank loans”
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"A banker of bank is a person a firm or a company having a
place of business where credits are opened by deposits or collection of
money or currency or where money is advanced and waned.
-B Fina ./e0as
A Bank:
Accept deposits of money from public
ays interest on money deposited with it.
'ends or invests money
(epays the amount on demand
Allow the money deposited to be with drawn by che!ue or draft.
ORIGIN OF *ORD BANK:
The origin of the word bank is shrouded in mystery. According to
one view point the Italian business house carrying on crude form of
banking were called )banchi bancheri* According to another viewpoint
banking is derived from +erman word "Branck" which mean heap or
mound. In #ngland the issue of paper money by the government was
referred to as a raising a bank.
ORIGIN OF BANKING:
Its origin in the simplest form can be traced to the origin of
authentic history. After recogni$ing the benefit of money as a medium of
echange the importance of banking was developed as it provides the
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safer place to store the money. This safe place ultimately evolved in to
financial institutions that accepts deposits and make loans i.e. modern
commercial banks.
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HDFC BANK PROFILE
The Housing De1eopmen! Finan#e Co0po0a!ion 2imi!e
(HDFC" was amongst the first to receive an in principle approval from
the (eserve Bank of India /(BI0 to set up a bank in the private sector as
part of the (BIs liberali$ation of the Indian Banking Industry in %112.
The bank was incorporated in Augus! %&&' in the name of 3D45 Bank
'imited with its registered office in 6umbai India. 3D45 Bank
commenced operations as a 7cheduled 5ommercial Bank in 8anuary
%119.
Promoter:
3D45 is Indias premier housing finance company and en:oys an
impeccable track record in India as well as in international markets. 7ince
its inception in %1;; the 5orporation has maintained a consistent and
healthy growth in its operations to remain the market leader in mortgages.
Its outstanding loan portfolio covers well over a million dwelling units.
3D45 has developed significant epertise in retail mortgage loans to
different market segments and also has a large corporate client base for its
housing related credit facilities.
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7hareholder base and uni!ue consumer franchise 3D45 was ideally
positioned to promote a bank in the Indian environment.
Business Fo#us :
3D45 Banks mission is to be a perational
#cellence 5ustomer 4ocus roduct 'eadership and eople.
Capi!a .!0u#!u0e :
The authori$ed capital of 3D45 Bank is (s.29? crore /(s.2.9
billion0. The paid=up capital is (s.-%%.1 crore /(s.-.% billion0. The 3D45
+roup holds ,,.%@ of the banks e!uity and about %1.2@ of the e!uity is
held by the AD7 Depository /in respect of the banks American
Depository 7hares /AD70 Issue0. (oughly -%.-@ of the e!uity is held by
4oreign Institutional Investors /4IIs0 and the bank has about %1????
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shareholders. The shares are listed on the 7tock #change 6umbai and
the ational 7tock #change. The banks American Depository 7hares are
listed on the ew ork 7tock #change /7#0 under the symbol
"3DB".
Dis!0i3u!ion Ne!4o0k :
3D45 Bank is head!uartered in 6umbai. The Bank at present has
an enviable network of over 9-9 branches spread over ,,C cities across
India. All branches are linked on an online real=time basis. 5ustomers in
over %,? locations are also serviced through Telephone Banking. The
Banks epansion plans take into account the need to have a presence in
all ma:or industrial and commercial centres where its corporate customers
are located as well as the need to build a strong retail customer base for
both deposits and loan products. Being a clearingsettlement bank to
various leading stock echanges the Bank has branches in the centres
where the 7#B7# has a strong and active member base.
The Bank also has a network of about over %,?? networked
AT6s across these cities. 6oreover 3D45 Banks AT6 network can be
accessed by all domestic and international Eisa6aster5ard Eisa
#lectron6aestro lus5irrus and American #press 5redit5harge
cardholders.
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Managemen! :
M0) ,agis/ Kapoo0 took over as the Bank5s C/ai0man in 8uly
,??%. rior to this 6r. Gapoor was a Deputy +overnor of the (eserve
Bank of India.
The Managing Di0e#!o0$ M0) Ai!a 6u0i has been a professional
banker for over ,9 years and before :oining 3D45 Bank in %112 was
heading 5itibanks operations in 6alaysia.
The Banks Board of Directors is composed of eminent individuals
with a wealth of eperience in public policy administration industry and
commercial banking. 7enior eecutives representing 3D45 are also on
the Board.
7enior banking professionals with substantial eperience in India
and abroad head various businesses and functions and report to the
6anaging Director. +iven the professional epertise of the management
team and the overall focus on recruiting and retaining the best talent in
the industry the bank believes that its people are a significant competitive
strength.
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Te#/noog :
3D45 Bank operates in a highly automated environment in terms
of information technology and communication systems. All the banks
branches have online connectivity which enables the bank to offer speedy
funds transfer facilities to its customers. Mu!i-30an#/ a##ess is also
provided to retail customers through the branch network and Au!oma!e
Tee0 Ma#/ines (ATMs")
The Bank has made substantial efforts and investments in ac!uiring
the best technology available internationally to build the infrastructure
for a world class bank. In terms of software the 5orporate Banking
business is supported by 4le cube while the (etail Banking business by
4in ware both from i=fle 7olutions 'td. T/e ss!ems a0e open$
s#aea3e an 4e3-ena3e)
The Bank has prioritised its engagement in technology and the
internet as one of its key goals and has already made significant progress
in web=enabling its core businesses. In each of its businesses the Bank
has succeeded in leveraging its market position epertise and technology
to create a competitive advantage and build market share.
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Business :
3D45 Bank offers a 4ie 0ange o7 #omme0#ia an
!0ansa#!iona 3anking se01i#es an !0easu0 p0ou#!s !o 4/oesae
an 0e!ai #us!ome0s) The bank has three key business segmentsH
*/oesae Banking .e01i#es :
The Banks target market ranges from large blue=chip
manufacturing companies in the Indian corporate to small & mid=si$ed
corporates and agri=based businesses. 4or these customers the Bank
provides a wide range of commercial and transactional banking services
including working capital finance trade services transactional services
cash management etc. The bank is also a leading provider of structured
solutions which combine cash management services with vendor and
distributor finance for facilitating superior supply chain management for
its corporate customers. Based on its superior product delivery service
levels and strong customer orientation the Bank has made significant
inroads into the banking consortia of a number of leading Indian
corporates including multinationals companies from the domestic
business houses and prime public sector companies. It is recogni$ed as a
leading provider of cash management and transactional banking solutions
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to corporate customers mutual funds stock echange members and
banks.
Re!ai Banking .e01i#es
The ob:ective of the (etail Bank is to provide its target market
customers a full range of financial products and banking services giving
the customer a one=stop window for all hisher banking re!uirements. The
products are backed by world=class service and delivered to the customers
through the growing branch network as well as through alternative
delivery channels like AT6s hone Banking etBanking and 6obile
Banking.
The 3D45 Bank referred program for high net worth individuals the
3D45 Bank lus and the Investment Advisory 7ervices programs have
been designed keeping in mind needs of customers who seek distinct
financial solutions information and advice on various investment
avenues. The Bank also has a wide array of retail loan products including
Auto 'oans 'oans against marketable securities ersonal 'oans and
'oans for Two=wheelers. It is also a leading provider of Depository
articipant /D0 services for retail customers providing customers the
facility to hold their investments in electronic form.
3D45 Bank was the 7i0s! 3ank in Inia !o aun#/ an
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In!e0na!iona De3i! Ca0 in asso#ia!ion 4i!/ 8I.A /EI7A #lectron0
and issues the 6aster5ard 6aestro debit card as well. The Bank launched
its credit card business in late ,??%. By 7eptember -? ,??9 the bank had
a total card base /debit and credit cards0 of 9., million cards. The Bank is
also one of the leading players in the "merchant ac!uiring" business with
over 9???? oint=of=sale />70 terminals for debit credit cards
acceptance at merchant establishments.
T0easu0 :
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Ra!ings :
• C0ei! Ra!ing :
3D45 Bank has its deposit programmes rated by two rating
agencies = 5redit Analysis & (esearch 'imited. /5A(#0 and 4itch
(atings India rivate 'imited. The Banks 4ied Deposit
programme has been rated 5CARE AAA (FD"5 9T0ipe A 3
CARE$ which represents instruments considered to be ;o7 !/e 3es!
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the cases referred to above the ratings awarded were the highest
assigned by the rating agency for those instruments.
• Co0po0a!e Go1e0nan#e Ra!ing
The bank was one of the first four companies which sub:ected
itself to a 5orporate +overnance and Ealue 5reation /+E50 rating
by the rating agency The 5redit (ating Information 7ervices of
India 'imited /5(I7I'0. The rating provides an independent
assessment of an entitys current performance and an epectation
on its "balanced value creation and corporate governance practices"
in future. The bank has been assigned a 5CRI.I2 G8C 2e1e %5
rating which indicates that the banks capability with respect to
wealth creation for all its stakeholders while adopting sound
corporate governance practices is the highest.
60ou#! Range:
7avings Account Apart from the usual facilities you get a free
AT6 5ard Interbranch banking etBanking Bill ay hone Banking
Debit 5ard and 6obileBanking among others.
• HDFC Bank 60e7e00e: A preferential 7avings Account where
you are assigned a dedicated (elationship 6anager who is your
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one=point contact. ou also get privileges like fee waivers
enhanced AT6 withdrawal limit priority locker allotment free
Demat Account and lower interest rates on loans to name a few.
• .4eep-In A##oun!: A fied deposit linked to your 7avings
Account. 7o even if your 7avings Account runs a bit short you
can issue a che!ue /or use your AT6 5ard0. The money is
automatically swept in from your fied deposit into your 7avings
Account.
• .upe0 .a1e0 A##oun!: +ives you an overdraft facility up to ;9@
of your 4ied Deposit. In an emergency you can access your funds
while your 4ied Deposit continues to earn high interest.
•
HDFC Bank 6us: Apart from (egular and remium 5urrent
accounts we also have 3D45 Bank lus a 5urrent Account and
then some more. ou can transfer up to (s. 9? lakh per month at no
etra charge between the four metros. ou can also avail of che!ue
clearing between the four metros get cash deliverypickup upto (s.
,9???= home delivery of Demand Drafts at=par che!ues
outstation che!ue clearance facility etc.
• Dema! A##oun!: 5onduct hassle=free transactions on your shares.
ou can also access your Demat Account on the Internet.
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Inno1a!i1e .e01i#es Fo0 T/e Con1enien#e O7 Cus!ome0s :
• 6/oneBanking: ,2=hour automated banking services with -1
honeBanking numbers available.
• ATM >'-/ou0 3anking: Apart from routine transactions you can
also pay your utility bills and transfer funds at any of our AT6s
across the country all year round.
• In!e0 #i! 3anking: Access your account from any of our 9?,
branches in ,,? cities.
• Ne! 3anking: Access your bank account from anywhere in the
world at anytime at your own convenience. ou can also view
your Demat Account through etBanking.
• In!e0na!iona De3i! Ca0: An AT6 card you can shop with all
over the country and in over %2? countries with. ou can spend in
any currency and pay in (upees.
• Mo3ie Banking: Access your account on your mobile phone
screen at no airtime cost. se 767 technology to conduct your
banking transactions from your cell phone.
• Bi 6a: ay your telephone electricity and mobile phone bills
through our AT6s Internet phone or mobile phone. o more
standing in long !ueues or writing che!ue
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INTRODUCTION TO TO6IC
8ARIOU. T?6E. OF 2OAN.
PERSONAL LOANS
The procedure of 3D45 ersonal loans is simple documentation is
minimal and approval is !uick. The overview of 3D45 ersonal 'oans is
as belowH=
FEATURE. + BENEFIT.:
%. Borrow up to (s %? ????? for any purpose depending on your
re!uirements.
,. 4leible (epayment options ranging from %, to 2C months.
-. (epay with easy #6Is.
2. >ne of the lowest interest rates.
9. 3assle free loans = o guarantorsecuritycollateral re!uired.
F. 7peedy loan approval.
;. 5onvenience of service at your doorstep.
C. 5ustomer privileges
i) If the applicant is an 3D45 Bank account holder there are
special rate for them.
ii) If the applicant is an eisting Auto 'oan customer with a
clear repayment of %, months or more from any of 3D45s
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approved financiers or 3D45 Bank they can get a hassle free
personal loan /without income documentation0.
iii) If the applicant is an eisting 3D45 Bank ersonal 'oan
customer with a clear repayment of %, months or more the Bank
can Top=p their personal loan.
Eigi3ii! + Do#umen!a!ion
7alaried Individuals
7elf employed /rofessionals0
7elf #mployed /Individuals0
7elf #mployed /vt 5os and artnership 4irms0
.A2ARIED INDI8IDUA2.:
7alaried Individuals include 7alaried Doctors 5As employees of select
ublic and rivate limited companies +overnment 7ector employees
including public sector undertakings and central state and local bodiesH
Eigi3ii! C0i!e0ia:
6inimum age of ApplicantH ,% years
6aimum age of Applicant at loan maturityH F? years
6inimum employmentH 6inimum , years in employment and
minimum % year in the current organi$ation
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6inimum et 6onthly Income H (s. ;??? p.m /(s. F??? in select
cities0
Do#umen!s 0e
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Minimum Annua In#ome: (s F???? p.a. taable income for
Doctors and 5As. (s %????? p.a. taable income for #ngineers
6BA 5onsultants Architects 57.
Do#umen!s 0e
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60oo7 o7 Ien!i!: assport 5opy Eoters ID card Driving 'icense.
A0ess 60oo7: (ation card Tel elect. Bill (ental agreement
assport copy Trade license #stablishment7ales Ta certificate.
Bank .!a!emen!sH latest F months bank statement passbook.
2a!es! ITR along with computation of income B7 & &' ac for
the last , yrs. certified by a 5A
60oo7 o7 #on!inua!ion: Trade license #stablishment 7ales Ta
certificate.
O!/e0 Mana!o0 Do#umen!sH 7ole rop. Declaration >r
5ertified 5opy of artnership Deed 5ertified 5opy of
6emorandum of association & Articles of Association & Board
resolution.
.e7 Empoe (60i1a!e Companies an 6a0!ne0s/ip Fi0ms" include
rivate 5ompanies and artnership firms in the Business of
6anufacturing Trading or 7ervices.
Eigi3ii! C0i!e0ia:
?ea0s in 3usiness: 6inimum of - years in current business and 9
years total business eperience
Business must be profit making for the last , years
Minimum Annua In#ome: (s %????? p.a.
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Do#umen!s 0eutstanding
o Due 5ertificate
o >b:ection 5ertificate />50 il
7olvency 5ertificate ot applicable
5harges for late payment K ,2 @ p.a on amount outstanding
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of #6I from date of default
5harges for changing from ot applicable
fied to floating rate of interest
5harges for changing from ot applicable
floating to fied rate of interest
7tamp Duty & other statutory as per applicable laws of the state
5harges
5redit assessment charges not applicable
on standard repayment charges not applicable
5he!ue swapping charges pto (s 9??= per event
'oan cancellation re=booking charges pto (s %???=
(e=scheduling
Bounce 5he!ue 5harges pto (s 29?= per Bouncing
7tatement 5harges /per statement0 pto (s 9??=
(epayment 7chedule
'egal incidental charges at actual
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HOME 2OAN.
Fea!u0es + Bene7i!s:
Home 2oan = 3D45 offers home loans for individuals to purchase
/fresh resale0 or construct houses. 3ome loans can be applied for
individually or :ointly. 3D45 finances up to ma@imum o7
!/e #os! o7 !/e p0ope0! /Agreement value L 7tamp duty L
(egistration charges0.
Home Imp0o1emen! 2oan = 3I' facilitates internal and eternal
repairs and other structural improvements like painting
waterproofing plumbing and electric works tiling and flooring
grills and aluminium windows. 3D45 finances up to o7 !/e
#os! o7 0eno1a!ion (% 7o0 e@is!ing #us!ome0s".
Home E@!ension 2oan = 3#' facilitates the etension of an
eisting dwelling unit. All the terms are the same as applicable to
3ome 'oan.
2an 6u0#/ase 2oan = Be it land for a dream house or :ust an
investment for the future 3D45 'and urchase 'oan is a
convenient loan facility to purchase land. 3D45 finances up to
;?@ of the cost of the land /5onditions Apply0. (epayment of the
loan can be done over a maimum period of %? years.
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C/oose 70om Fi@e Ra!e o0 Foa!ing Ra!e with options to
structure your loan as artly 4ied or artly 4loating.
Fe@i3e 0epamen! op!ions to suit your individual needs.
2oan #o1e0 Te0m Assu0an#e 6an = 3D45 7tandard 'ife
Insurance 5ompany 'td. offers an insurance planM which is
designed to ensure that lifes uncertainties do not affect your
familys interests and your precious home. '5TA 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.
Au!oma!e Repamen! o7 Home oan EMI = ou can give 3D45
standing instructions to repay your 3ome 'oan #6Is directly from
your 3D45 Bank 7avings Account thus saving you the trouble of
procuring signing and tracking post=dated che!ues.
3D45 also offers In-/ouse s#0u!in o7 60ope0! o#umen!s for
your complete peace of mind.
Cus!ome0 p0i1ieges = If you are an eisting 3D45 Bank Home
2oan #us!ome0 you can avail of other loans /such as ersonal
'oans 5ar 'oans Two=wheeler 'oans and 'oan against securities0
at lower interest rates.
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T*O *HEE2ER 2OAN
Features & Benefits:
Fe@i3e 0epamen! op!ionsH ranging from %, to 2C months
available even at the point of purchase.
(epay through post=dated che!uesH *i!/ eas EMIs) Ca#ua!e
ou0 EMI
Hasse 70ee oans = o guarantor re!uired.
.pee oan app0o1a)
Available for almost all models at a!!0a#!i1e in!e0es! 0a!es.
4ree gifts from time to time on approval of your Two
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Eigi3ii! + Do#umen!a!ion
Eigi3ii! C0i!e0ia
%. ou are a salaried or self=employed individual.
,. ou are between ,% and F? years of age /7alaried Individual0 and
,% and F9 years of age /7elf #mployed0.
-. our minimum gross income is e!uivalent to (s. 92???= p.a. if
you reside in 6umbai Delhi 5hennai Bangalore 5alcutta une
and (s. 2,???= p.a. for all other cities.
2. ou have been residing for at least % year in the city.
9. At least % year at the given residence address /In case of transfer
from other location with less than % year at current location = please
provide relevant documents to the bank during loan approval
stage0.
F. ou have been working for at least % year.
;. ou have a phone at your residence or office.
Do#umen!a!ion Re
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A0ess 60oo7 : Any one of assport 5opy Eoters ID card
Driving 'icense (ental agreement Telephone Bill #lectricity bill
+as 5onnection Bills (ation 5ard 7ale deed roperty purchase
agreement 5redit 5ard billing statement /latest0 'I5 policy 'etter
from 5ompany or 5ompany provided Accommodation /'ist of the
companys as per the Banks 'ist= ID card of 65 ublic 'td. 7
+ovt. 5ompany 5ontaining the residence address0 Address proof in
the name of the applicants 7pouse or parents name is acceptable.
In#ome 60oo7 7o0 .aa0ie: 'atest 7alary slips for +ovt.
employeesN If 7alary slip is not available only salary certificate to be
accepted with deductions.
Fo0 6a0!ne0s/ip 60op0ie!a0 7i0ms + 61!) 2!) Co5s= 7alary
5ertificate to be accepted with the following mitigantsH 7alary
5ertificate to clearly state the deductions ame & Designation of the
authori$ed signatory.
Fo0 .e7-Empoe - 5opy of the latest I. T. return.
Fees + C/a0ges 7o0 T4o */eee0 2oans
Description of 5harges
'oan rocessing 5harges ,@ or (s 9??= whichever is higher
re=payment charges -@
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o Due 5ertificate o >b:ection il
5ertificate />50
Duplicate no due certificate >5 (s ,9?=
7olvency 5ertificate A
5harges for late payment of #6I ,.9? @ per month on overdue
principal
5harges for changing from fied A
to floating rate of interest
5harges for changing from A
floating to fied rate of interest
7tamp Duty & other statutory charges as per applicable laws of the state
5redit assessment charges (s %??=
on standard repayment charges (s ,9?=
>utstation clearing charges (s ,9= per che!ue or as per actual
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NE* CAR 2OAN.
Features & Benefits
%. 5overs the widest range of cars and multi=utility vehicles in India.
,. Avail % 7inan#e on your favourite car.
-. 4leible repayment options ranging from %, to C2 months.
2. Borrow up to !imes ou0 annua saa0 /for salaried
professionals0 and !imes ou0 annua in#ome /for self employed
professionals0M.
9. 7peedy p0o#essing - 4i!/in ' /ou0s.
F. (epay with easy #6Is.
;. A!!0a#!i1e #a0 oan pans = To Fas!0a#k ou0 oan :ust choose
the plan that is right for you.
) A!!0a#!i1e In!e0es! 0a!es
1. Hasse-70ee o#umen!a!ion.
Customer Privileges
If you are an 3D45 Bank a##oun! /oe0 3D45 has special rates for
you.
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If you have had a 60e7e00e A##oun! o0 a Co0po0a!e .aa0
A##oun! with 3D45 Bank for more than si months you can get fast
approvals on your loans with minimal documentation.
If you are an eisting 3D45 Bank Ca0 2oan #us!ome0 with a clear
repayment of %, months or more 3D45 can Top-Up ou0 #a0 oan !o
!/e e@!en! o7 !/e o0igina oan 1aue.
Eigi3ii! + Do#umen!a!ion
7alaried Individuals
7elf #mployed
artnership 4irms
rivate 'imited 5ompany
ublic 'imited 5ompany
.aa0ie Ini1iuas
Eigi3ii! C0i!e0ia:
Minimum age o7 Appi#an!: ,% years
Ma@imum age o7 Appi#an! a! oan ma!u0i!: 9C years
Minimum empomen!: % year in current employment and
minimum , years of employment
Minimum Annua In#ome: (s %????? net annual income
Teep/one: 6ust at residence
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Do#umen!s 0e
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A0ess 60oo7:- (ation cardDriving licenseEoters cardpassport
copytelephone bill electricity bill'ife insurance policy A 5ard
Bank .!a!emen!: - ne phone at least at business and at residence of the
loan eecuting partner
Do#umen!s 0e
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Bank .!a!emen!:- ne phone at least at business premises
Do#umen!s 0e
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Minimum !u0no1e0: Turnover (s 2.9 lacs
Teep/one: >ne phone at least at business premises
Do#umen!s 0e
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rocessing fees (s. 2??=
#57 7I 5harges (s. 9??=
Agri 7' 5harges (s ,???=
5E 5harges (s ,??=
5he!ue swapping charges (s 9??=
'oan cancellation re=booking charges (s %???=
Bounce 5he!ue 5harges (s 29?=
7tatement 5harges /per statement0 (s 9??=
Duplicate (epayment 7chedule charges (s 9??=
'egal (epossession & Incidental charges at actual
Duplicate no due certificate >5 (s 9??=
E6RE.. 2OAN.
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3D45 now offer #press 'oans to help fulfill all your needs. The
procedure is simple documentation is minimal and approval is !uick.
Features & Benefits:
%. Bo00o4 70om Rs %$- !o J$- 7o0 an pu0pose depending
on your needs.
,. 4leible repayment options ranging from %, to -F months.
-. (epay with easy #6Is.
2. >ne of the lowest interest rates in the market.
9. Hasse 70ee oans = o guarantorsecuritycollateral re!uired.
Customer Privileges:
If you are an 3D45 Bank account holder 3D45 has special rates for
you.
E2IGIBI2IT? AND DOCUMENTATION FOR E6RE.. 2OAN.
%. 7alaried Individuals
,. 7elf #mployed /Individuals0 = filing I.T. (eturns
-. 7elf #mployed /Individuals0 = ot filing I.T. (eturns
Eigi3ii! C0i!e0ia:
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%) .aa0ie Ini1iuas:
.aa0ie Ini1iuas including employees of ublic and rivate
limited companies artnership 4irms roprietorship 4irms
+overnment 7ector employees including public sector
undertakings and central state and local bodiesH
Minimum age o7 Appi#an!: ,% years
Ma@imum age o7 Appi#an! a! oan ma!u0i!: F? years
Minimum empomen!: , years total employment and % year
employment with the current employer
Minimum Ne! Mon!/ In#ome: (s. 2??? p.m
Do#umen!s 0e
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>) .e7 Empoe (Ini1iuas":
.e7 Empoe (Ini1iuas" - 7iing I)T) Re!u0ns = include self=
employed = 7ole proprietors artners & Directors in the Business
of 6anufacturing Trading or 7ervices
Minimum age o7 Appi#an!: ,2 years
Ma@imum age o7 Appi#an! a! oan ma!u0i!: F9 years
Minimum empomen!: , yrs continuous employment
Minimum Annua In#ome: (s. 9????= p.a.
Do#umen!s 0e
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Minimum age o7 Appi#an!: ,F years
Ma@imum age o7 Appi#an! a! oan ma!u0i!: F9 years
Minimum empomen!: - yrs continuous employment
Do#umen!s 0e
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Note: "he a#o$e %harges are the maimum %harges
a!!i%a#e for ea%h t'!e of %harge(
2%
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2OAN AGAIN.T .ECURITIE.
I (elief Bonds 'I5 olicies 75 GE TI Bonds /F.F?@ A(7 &
7F2 Bonds0 and +old Deposit 5ertificates while still retaining
ownership. And the best part is that you can continue to en:oy all your
shareholder benefits such as rights dividends and bonuses.'oan available
to (Is against 7hares 6utual 4unds 7F2 Bonds TI F.F?@ A(7
Bonds.
Fea!u0es + Bene7i!s:
ou can en:oy the benefits of your securities and still avail a loan on the
same.
%. o #6Is
,. o ost Dated che!ues
-. o re=payment charges
2. Interest charged only on utili$ed amount pto 1?@ loan
9. #haustive number of approved securities
F. >verdraft facility can be availed against pledge ofH
• 6utual 4und unitsM = 6utual 4unds up to 9?@ of AE /et Asset
Ealue0.
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• +>I (elief Bonds
• 'I5 olicies
• ational 7avings 5ertificate/750
• Gisan Eikas atra/GE0
• TI Bonds/F.F?@ A(7 Bonds & 7F2 Bonds0
.inge .#0ip 2ening = 'ending up to 9?@ of the value with any
Depository articipant. /lease contact us to know the drawing power
of the scrips0.
Minimum oan amoun!: (s. 9????=
E-Ins!an! 2oansH
• >nline eligibility approval in F? seconds. referential
rate of interest for online applications.
• ay 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.
• 7hares can be pledged from any Depository /7D' or 5D7'0 and
any Depository articipant across the country.
• 4or availing the overdraft facility the securities need not necessarily
be in your name.
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• To receive the overdraft amount a 5urrent Account with an
overdraft limit is created in your name. This entitles you to all the
5urrent Account benefits like 4(## International Debit 5ard 4(##
honeBanking And 4(## etBanking.
.pe#ia Bene7i!sH If you have a 'oan against securities from any other
bank simply transfer the loan to us at p0e7e0en!ia in!e0es! 0a!e.
Eigi3ii! an Do#umen!a!ion Fo0 2oan Agains! .e#u0i!ies:
Eigi3ii! C0i!e0ia:
ou must be a resident of India /loans cannot be given to minors 3indu
ndivided 4amilies (Is companies sole proprietorship or partnership
firms0.
ou can pledge securities from the Banks approved list only.
Approved Demat 7hares
Approved 6utual 4unds
Approved 'I5 olicies
7ecurities should be in your name /7ecurities in the name of
minors 3indu ndivided 4amilies (Is companies partly paid up or
shares in the name of individuals in companies of which they are
Directors romoters cannot be accepted0.
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Do#umen!a!ion Re
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'etter from employer certifying address of the employee='etter
should not be more than - months old letter should be on letter=
head of the company letter should not be from pvt. 'td. company
proprietary partnership firm. 'etter can be from govt. = recogni$ed
organi$ations like universities colleges education institutes
schools. 'etter can be from +ovt. >rgani$ations Defence
>rgani$ations on plain paper but with the seal of the organi$ation
and with the Ashoka emblem.
Dema! A##oun! .!a!emen! with complete address should be less
than - month old.='etter should not be more than - months old
letter should be on letter=head of the company and letter should not
be from pvt. 'td. company proprietary partnership firm. 'etter
can be from govt. = recogni$ed organi$ations like universities
colleges education institutes schools. 'etter can be from +ovt.
>rgani$ations Defence >rgani$ations on plain paper but with the
seal of the organi$ation and with the Ashoka emblem.
6unicipal 5orporation roperty anchayat Ta payment
receipt with full address='atest receipt should not be more than %
year old.
Do#umen!a!ion 7o0 Ien!i7i#a!ion p0oo7
assport
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A 5ard
7#BI 6apin 5ard
Driving 'icense
Eoter ID card #lection 5ard
+overnment /5entral or 7tate0 ID 5ard 7hould be current and valid
hoto 5redit 5ard 7ignature to match with A>D & only if
accompanied by a self=signed che!ue and latest statement
Bankers EerificationH >nly with self signed che!ue
5ompany ID cardH >nly from ublic 'td. companies +ovt. &
defence organi$ations government recogni$ed educational
institutes and government undertakings.
Bank ass Book with hotograph duly stamped & signed by the
issuing banks official.
ension Book pdated to within , months from date of G5
hoto (ation 5ard
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IT (eturn acknowledgment for the latest assessment year
assport 5urrent and valid
Driving 'icense
Bankers verification
(ation card with signature
5redit 5ard with printed embossed signature and latest statement
3D45 Banks banker verification
'etter from eisting bank certifying signature photograph name
and address
Fees + C/a0ges 7o0 2oan agains! .e#u0i!
Description of 5harges 'oan Against 7ecurity
'oan rocessing 5harges pto ,@ of the overdraft limitre=payment charges il
Duplicate no due certificate >5 il
o Due 5ertificate o >b:ection
5ertificate />50
il
7olvency 5ertificate ot Applicable
5harges for late payment of #6I
overdue amount
%C@ p.a. on the overdrawn amount
for the number of days that the
account is overdrawn
5harges for changing from fied to
floating rate of interest
ot applicable
5harges for changing from floating ot applicable
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to fied rate of interest
7tamp Duty & other statutory
charges
As per applicable laws of the state
(BI 6aturity 5ollection charges (s. ,9? per certificate
'I5 policy 6aturity 5ollection
charges
(s. %?? per certificate
7ales of security in the event of
default
Brokerage as per charges by the
broking firm along with other
statutory levies
'egal & Incidental charges At actual
(enewal 5harges /annual0 pto ?.9@ of the limit amount
75 GE 6aturity 5harges
of (s. 9? per certificate /sub:ect to a
maimum of (s. %9?? per maturity
collection0
2OAN AGAIN.T 6RO6ERT?
3D45 Bank brings to you 2oan agains! 6roperty (2A6". ou can
now take a loan against your residential or commercial property to
epand your business plan a dream wedding fund your childs education
and much more.
ou can depend on 3D45 to meet all your business re!uirements
even to purchase a new shop or office for your business. 2oan to
purchase Commercial 6roperty (2C6" is a specially designed product to
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help you epand your business without reducing the capital from your
business.
Features & Benefits:
%. 'oans from (s. , 'acs onwards depending on your needs.
,. Borrow up to F?@ of market value of the property.
-. 4leibility to choose between an #6I based loan or an >verdraft =
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• 60oo7 o7 Ien!i! = Any one of Eoters 5ard Drivers 'icense
#mployers 5ard.
• 2a!es! Bank .!a!emen!: assbook /where salary income
is credited for past F months.
• 2a!es! Mon!/s .aa0 .ip with all deductions & last ,
years 4orm %F 5opies of all roperty Documents.
>) .e7 Empoe
Do#umen!s 0everdraft Against
roperty
5ommercial >D
against roperty
'oan Against (ent
(eceivables
9%
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'oan rocessing
5harges
,@ ,@ ,@
re=payment
charges
2@ of the
outstanding
principal /pre=
payment is allowed
only after F months0
2@ of the operating
limit prevailing at
the time of
prepayment
2@ of the
outstanding
principal /pre=
payment is allowed
only after F months0
o Due 5ertificate
o >b:ection
5ertificate />50
il il il
7olvency 5ertificate ot applicable ot applicable ot applicable
5harges for late
payment of #6I
, @ per month on
overdue #6I
amount
%C@ penal interest
applicable on
overdue amount
, @ per month on
overdue #6I
amount
5harges for
changing from fied
to floating rate of
interest
?.,9@ of the loan
amount
>nly 4loating rate
option
>nly 4loating rate
option
5harges for
changing from
floating to fied rate
of interest
%.9@ of the loan
amount
>nly 4loating rate
option
>nly 4loating rate
option
Duplicate no due
certificate >5
(s ,9?= (s ,9?= (s ,9?=
7tamp Duty & other
statutory charges
As per applicable
laws of the state
As per applicable
laws of the state
As per applicable
laws of the state
5he!ue swapping (s 9??= (s 9??= (s 9??=
9,
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charges
Bounce 5he!ue
5harges
(s 29?= (s 29?= (s 29?=
7tatement 5harges
/per statement0
(s 9??= (s 9??= (s 9??=
Duplicate
(epayment
7chedule charges
(s 9??= (s 9??= (s 9??=
'egal
(epossession &
Incidental charges
At actual At actual At actual
Account
6aintenance
5harges
I' (s.9??? p.a. (s.%???? p.a.
No!e:
T/e a3o1e #/a0ges a0e e@#usi1e o7 !a@es an s!a!u!o0 e1ies as
appi#a3e 70om !ime !o !ime) T/e a3o1e #/a0ges a0e !/e ma@imum
#/a0ges appi#a3e 7o0 ea#/ !pe o7 #/a0ge)
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OB,ECTI8E. OF THE .TUD?
• To 7tudy the different factors of various loan provided by 3D45
Bank.
• To measure the effect of income on taking the loan.
• To understand what benefits people seek out of taking loan from
3D45.
• To identify the most effective feature of the products and services
of private sector bank providing loan services.
• To identify the most effective communication medium for
providing loan companies.
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RE.EARCH METHODO2OG?
6arketing research is a systematic and ob:ective study of problem
pertaining to the marketing of goods and services. 6arket research
specifies the information re!uired to address these issuesN designs the
method for collecting informationN manages and implements the data
collection processN analyses of the results and communication the
findings and their implications.
RE.EARCH DE.IGN
A descriptive research is carried with a definite frame work for data
collection. This frame work constitutes the research for the present study
and is conclusive as it matches with the ob:ective of the study. As the
ob:ective clearly defined and the research is base on primary data and
secondary data. The research for the pro:ect was conducted as followsH
60ima0 Da!a
rimary data is collection through survey. A 7ample si$e of %9? was
taken. The convenient sampling was done. The !uestionnaire consisted of
!uestions regarding measurement of different factors that affect the
purchase of different 'oan facilities.
.amping
The sample si$e is selected by using the !uota sampling with an element
of stratification from the area of research. As the persons contacted were
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limited that too from a very large area it may not appear to be the true
representative of the universe.
C0i!e0ia 7o0 .ampe 4as
Age H ,?=F? yrs
7e H 6ale female
7ource of Income H 7ervice Business
Desk Resea0#/
The desk research involved collection of secondary information fromH
%. Internet
,. 6aga$ines
-. ewspaper
2. 8ournals
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ANA2?.I. AND INTER6RETATION
In the past decade the world and India have seen momentous changes
taking place in the business environment. The winds of change or reforms
have been sweeping the economic landscapes relentlessly. The business
environment and the organi$ation have been buffeted by the impact of
change. Internationali$ation and them emergence of information
technology are the twin forces that are shaping the destiny of our great
country. These changes are shaping the contours of the environment
outside and impacting the organi$ations within.
The !uestionnaire is designed in such a manner that it is self=
eplanatory and the data thus collected has been a very comprehensive
one. There is lot of information and data which was gathered together
and we had a task of tabulating the whole data then editing the data and
finally analy$ing the data to come out with certain conclusion. In all
together a !uestionnaire consisting of %2 !uestions. 5ollection of the data
from almost %9? people comprising from middle=income group and
above. The area of our concentration for data collection was mainly
amunaagar 8agadhri.
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%) Age:
(a" >-> (3" >-
(#" %- (" -'
(e" ' + a3o1e
Anasis
Age )rou! Per%entage
20 to 25 10%
26 to 30 6%
31 to 35 8%36 to 40 14%
40 & above 62%
Percentage
10% 6%
8%
14%62%
20 to 25
26 to 30
31 to 35
36 to 40
40 & above
In!e0p0e!a!ion: The above graph shows that most of the persons having
interest in the loans are in the age group of 2? yrs. & above.
) > O##upa!ions
(a" Business
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(3" .e01i#e
Anasis
Business 16%Service 84%
16%
84%
Business
Service
In!e0p0e!a!ion: The above graph shows that the persons belonging to
service class are more aware of & interested in loan facilities provided by
the banks.
) ) */i#/ o7 !/e ne4 3ank ou a0e a4a0e o7 in p0o1iing i77e0en!
oan se01i#esL
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Anasis
!"C ban# 50%
$C$C$ ban# 25%
ters 25%
50%
25%
25%
!"C
$C$C$
ters
In!e0p0e!a!ion: As per my analysis most of the people are aware of
3D45 BankOs loan options as compared to other banks.
)' Ho4 i ou #ome !o kno4 a3ou! !/e Companies p0o1iing
oan 7a#ii!L
Anasis
'lectronic (e)ia 35%Print (e)ia 32%
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*roug +gents 20%
ters 13%
35%
32%
20%
13%
'lectronic (e)ia
Print (e)ia
*&roug& +gents
t&ers
In!e0p0e!a!ion: Above analysis shows that the most popular media
through which the people became aware of the loan facilities is #lectronic
media.
) ) Ha1e ou !aken an oan 70om HDFCL I7 es$ 4/i#/ oanL
Anasis
ome loan 30%Personal ,oan -%
Car ,oan 48%
*.o /eeler ,oan 13%
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30%
-%48%
13%
ome loan
Personal ,oan
Car ,oan
*.o /eeler ,oan
In!e0p0e!a!ion: Above analysis shows that the most of the people have
taken 5ar loan from 3D45 i.e. car loan is the most popular loan of
3D45 Bank.
: Are you satisfied with 3D45 Bank 'oanOs servicesP
Ans: /a0 7atisfied /b0 artially 7atisfied /c0 ot 7atisfied
O3e#!i1e: To know about the customerOs satisfaction level with B
Bank
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In!e0p0e!a!ion: 4rom above graph shows that 3D45 Bank has successes
in keeping well with the customerOs epectation
J: Do you wish to change your bankP
Ans: /a0 es /b0 5onditional /c0 o
O3e#!i1e: To know customerOs view on other bank
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In!e0p0e!a!ion: 6ost of the customers do not wish to change their bank
for home loan services
: 3ave you taken loan from any other bank alsoP
Ans: /a0 es /b0 o
O3e#!i1e: To know whether are engaged in taking loans from multiple
bank
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In!e0p0e!a!ion: Above graph shows that ;-@ customers have not taken
loan from any other bank
&: ffice or
3ome
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O3e#!i1e: To know factor that affect people choice to take loan from
bank
In!e0p0e!a!ion: Above graph shows that charges factor plays the key role
in positively affecting customerOs preferences for taking loan
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O3e#!i1e: To know about the bank which proves to be reliable for
customersP
In!e0p0e!a!ion: Above graph shows that most of the people find ublic
7ector Banks as most relaible one
FINDING.
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• The most of the people have taken 5ar loan from 3D45 i.e. 5ar
loan is the most popular loan of 3D45 Bank.
• The most popular media through which the people became aware
of the loan facilities is #lectronic media.
• 6ost of the people are aware of 3D45 BankOs loan options as
compared to other banks.
• The persons belonging to service class are more aware of &
interested in loan facilities provided by the banks.
• 6ost >f The eople 4ind ublic 7ector Banks As 6ost (elaible
>ne
• 5harges 4actor lays The Gey (ole In ositively Affecting
5ustomerOs references 4or Taking 'oan.
2IMITATION. OF THE .TUD?
FC
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Due to constraints of time & resources the present study is likely to suffer
from certain limitations some of these are mentioned so that study can be
understood in a proper perspectiveH
Area covered under the report is sample si$e was very small.
The research was carried out in a short period of ;=C weeks as a
part of summer training. The pro:ect was completed within the
given time frame.
7ome of the respondents of the survey were unwilling to give
information.
7ometimes wrong information was provided by respondents which
needed to be cross checked & verified.
5hances of biasness are there because of the use of convenient
sampling.
7ome respondents were not available and thus needed data could
not be found.
It is fully computeri$ed bank everything is centrali$ed at there
Bombay 3ead!uarter. #ach & every formality is :ustified on the
re!uest from Bombay 3ead!uarter such as I re!uest for AT6
TI for phone Banking using new che!ue book any problem in
account etc.
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.UGGE.TION.
C/anne o7 Dis!0i3u!ions
Distributions will be a key determinant of success for all insurance
companies regardless of age and ownership. There would be substantial
shifts in the distribution in insurance in India. >nce 5ommunication
popularity and awareness of product are attained then the products can
move to remote channels such as telephone or direct mail. At the point
buyers look for low price. Brand loyalty could shift from the insurer to
the seller. (ecogni$ing this trend the financial service industry
worldwide has successfully used remote distribution channels such as
telephone or the internets to reach more customers cut out intermediaries
and break down overheads and increase profitability.
E@pe#!a!ions o7 !/e Consume0s
The customers are particularly epecting good pension plans 5ar 'oan
#penses loan two wheeler loans. 7imilarly the customers epect
innovative products from the general for managing healthcare property
loan and other products related to loans.
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Consume0s Eu#a!ion
The eisting level of awareness of the customers for insurance plans is
very low. #ven the educated customers are ignorant about the various
products of the insurance. All the insurer should undertake the etensive
plan for education of consumers. The consumersO organi$ation and the
media also can play very important role in education of the consumers.
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CONC2U.ION
6y survey on 3D45 Bank loans concluded that 3D45 Banks
performance is rated as satisfactory.#ecutives have satisfactory
knowledge about products. 3D45 Bank is preferred the most
because of higher returns and better plans and services. 5ustomer
perception about the security of money invested is the public sector.
5ustomers feel that the strong feature of private bank is their service
and technology that they are offering.'astly it is found that the entry
of private players has changed the customer service levels
considerably. They have also devised innovative procedures to
increase their market share.
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BIB2IOGRA6H?
BooksH
(esearch 6ethodology =By 5.(. Gothari
Business (esearch and 6ethods =By Donald (. &
7chindler cooper
6arketing 6anagement =By hilip Gotler
6aga$ineH
Business Today
Business
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UE.TIONNAIRE
%. AgeH
a0 ,?=,9 b0 ,F=-?
c0 -%=-9 d0 -F=2?
e0 2? & Above
,. our >ccupation
a0 Agriculture b0 Business
c0 7ervice d0 rofessional
-. thers
9. 3ave you take any loan facilityP If yes which loanP
/a0 ersonal 'oan b0 5ar 'oanc0 3ome loan d0 Two=
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;. Do you wish to change your bankP
/a0 o
/b0 5onditional
/c0 es
: 3ave you taken loan from any other bank alsoP
/a0 es /b0 o
&: ffice or 3omeP
%: