“Hdfc Bank Loans”

8/9/2019 “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.

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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

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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.

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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! 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.


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.


%. 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

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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


39/75

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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


40/75


41/75

HH

Note: "he a#o$e %harges are the maimum %harges

a!!i%a#e for ea%h t'!e of %harge(

2%


42/75

HH

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.

2,


43/75

HH

• +>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.

2-


44/75

HH

• 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.

22


45/75

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Do#umen!a!ion Re


46/75

HH

'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

2F


47/75

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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


48/75

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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

2C


49/75

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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

21


50/75

HH

help you epand your business without reducing the capital from your

business.


%. '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 =


51/75

HH

• 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%


52/75

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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,


53/75

HH

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)

9-


54/75

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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.

92


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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

99


56/75

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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

9F


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HH

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.

9;


58/75

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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

9C


59/75

HH

(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

91


60/75

HH

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%

F?


61/75

HH

*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%

F%


62/75

HH

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

F,


63/75

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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

F-


64/75

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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

F2


65/75

HH

In!e0p0e!a!ion: Above graph shows that ;-@ customers have not taken

loan from any other bank

&: ffice or

3ome

F9


66/75

HH

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

%:


67/75

HH

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.

F;


68/75

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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


69/75

HH

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.

F1


70/75

HH

.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.

;%


72/75

HH

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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HH

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


74/75

HH

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=


75/75

HH

;. 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

%: