HDFC BANK LTD. - Product - Servicesfffffffffff

8/8/2019 HDFC BANK LTD. - Product - Servicesfffffffffff

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CERTIFICATE

This is to certify that Mr. Israr Ali is a student of MBA programme, semester III of this institutehas undergone Railway road BAREILLY. and completed his/her Summer Training Project Report

onAnalysis of product & sarvices.HDFC

as per the requirement of MBA curriculum of UTTARAKHAND Technical University,DEHRADUN.

Dr.( Supervisor) (HOD)


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ACKNOWLEDGEMENT

I express my gratitude towards, Mr NAJEEB AHMAD ,who gave me opportunity to complete myResearch Project. I am also thankful to him for providing me his able guidance, valuablesuggestions and for sharing his experiences with me without which this project may not have beensuccessful.I would like to thank the staff of HDFC Bank who provided me with the data and valuablesuggestions to successfully complete my project.


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COMPANY PROFILE About - HDFC Bank Limited, India

The Housing Development Finance Corporation Limited (HDFC) wasamongst the first to receive an 'in-principle' approval from the ReserveBank of India (RBI) to set up a bank in the private sector, as part of theRBI's liberalization of the Indian Banking Industry in 1994. The bank was incorporated in

August 1994 in the name of 'HDFC Bank Limited', with its registered office in Mumbai,India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January1995.

Capital StructureThe authorised capital of HDFC Bank is Rs.450 crore (Rs.45 billion). The paid-up capitalis Rs.282 crore (Rs.28.2 billion). The HDFC Group holds 24.2% of the bank's equity whileabout 13.1% of the equity is held by the depository in respect of the bank's issue of

American Depository Shares ( ADS/ADR Issue). The Indian Private Equity Fund,Mauritius (IPEF) and Indocean Financial Holdings Ltd., Mauritius (IFHL) (both fundsadvised by J P Morgan Partners, formerly Chase Capital Partners) together hold about5.5% of the bank's equity. Roughly 27.5% of the equity is held by FIIs, NRIs/OCBs whilethe balance is widely held by about 214,000 shareholders. The shares are listed on TheStock Exchange, Mumbai and the National Stock Exchange. The bank's AmericanDepository Shares are listed on the New York Stock Exchange (NYSE) under the symbol"HDB".

Promoter HDFC is India's premier housing finance company and enjoys an impeccable track recordin India as well as in international markets. Since its inception in 1977, the Corporationhas maintained a consistent and healthy growth in its operations to remain a marketleader in mortgages. Its outstanding loan portfolio covers well over a million dwellingunits. HDFC has developed significant expertise in retail mortgage loans to differentmarket segments and also has a large corporate client base for its housing related creditfacilities. With its experience in the financial markets, a strong market reputation, largeshareholder base and unique consumer franchise, HDFC was ideally positioned topromote a bank in the Indian environment.Capital Structure

The authorised capital of HDFC Bank is Rs.450 crore (Rs.45 billion). The paid-up capitalis Rs.282 crore (Rs.28.2 billion). The HDFC Group holds 24.2% of the bank's equity whileabout 13.1% of the equity is held by the depository in respect of the bank's issue of

American Depository Shares ( ADS/ADR Issue). The Indian Private Equity Fund,Mauritius (IPEF) and Indocean Financial Holdings Ltd., Mauritius (IFHL) (both fundsadvised by J P Morgan Partners, formerly Chase Capital Partners) together hold about5.5% of the bank's equity. Roughly 27.5% of the equity is held by FIIs, NRIs/OCBs whilethe balance is widely held by about 214,000 shareholders. The shares are listed on TheStock Exchange, Mumbai and the National Stock Exchange. The bank's American


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Depository Shares are listed on the New York Stock Exchange (NYSE) under the symbol"HDB".

Business FocusHDFC Bank's mission is to be a World-Class Indian Bank. The Bank's aim is to build

sound customer franchises across distinct businesses so as to be the preferred provider of banking services in the segments that the bank operates in and to achieve healthygrowth in profitability, consistent with the bank's risk appetite. The bank is committed tomaintain the highest level of ethical standards, professional integrity and regulatorycompliance. HDFC Bank's business philosophy is based on four core values: OperationalExcellence, Customer Focus, Product Leadership and People.TimesBank AmalgamationIn a milestone transaction in the Indian banking industry, TimesBank Limited (another new private sector bank promoted by Bennett, Coleman & Co./Times Group) was mergedwith HDFC Bank Ltd., effective February 26, 2000. As per the scheme of amalgamationapproved by the shareholders of both banks and the Reserve Bank of India, shareholders

of TimesBank received 1 share of HDFC Bank for every 5.75 shares of TimesBank. Theamalgamation added significant value to HDFC Bank in terms of increased branchnetwork, expanded geographic reach, enhanced customer base, skilled manpower andthe opportunity to cross-sell and leverage alternative delivery channels.

Distribution Network HDFC Bank is headquartered in Mumbai. The Bank at present has an enviable network of over 755 branches spread over 297 cities across the country. All branches are linkedon on online real-time basis. Customers in 90 locations are also serviced throughPhoneBanking. The Bank's expansion plans take into account the need to have apresence in all major industrial and commercial centres where its corporate customersare located as well as the need to build a strong retail customer base for both depositsand loan products. Being a clearing/settlement bank to various leading stock exchanges,the Bank has branches in the centres where the NSE/BSE have a strong and activemember base.The Bank also has a network of over 1762 networked ATMs across these cities.Moreover, HDFC Bank's ATM network can be accessed by all domestic and internationalVisa/MasterCard, Visa Electron/Maestro, Plus/Cirrus and American ExpressCredit/Charge cardholders.ManagementMr. Jagdish Capoor took over as the bank's Chairman in July 2001. Prior to this, Mr.Capoor was a Deputy Governor of the Reserve Bank of India.The Managing Director, Mr. Aditya Puri, has been a professional banker for over 25years, and before joining HDFC Bank in 1994 was heading Citibank's operations inMalaysia.The Bank's Board of Directors is composed of eminent individuals with a wealthof experience in public policy, administration, industry and commercial banking. Senior


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b) Retail Banking ServicesThe objective of the Retail 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 allhis/her banking requirements. The products are backed by world-class service anddelivered to the customers through the growing branch network, as well as throughalternative delivery channels like ATMs, PhoneBanking, NetBanking and MobileBanking.The HDFC Bank preferred program for high net worth individuals, the HDFC Bank Plusand the Investment Advisory Services programs have been designed keeping in mindneeds of customers who seek distinct financial solutions, information and advice onvarious investment avenues. The Bank also has a wide array of retail loan productsincluding Auto Loans, Loans against marketable securities, Personal Loans and Loansfor Two-wheelers. It is also a leading provider of Depository Services to retail customers,offering customers the facility to hold their investments in electronic form.

HDFC Bank was the first bank in India to launch an International Debit Card in associationwith VISA (VISA Electron) and issues the Mastercard Maestro debit card as well. Thedebit card allows the user to directly debit his account at the point of purchase at amerchant establishment, in India and overseas. The Bank launched its credit card inassociation with VISA in November 2001. The Bank is also one of the leading players inthe "merchant acquiring" business with over 25,000 Point-of-Sale (POS) terminals for debit / credit cards acceptance at merchant establishments. The Bank is well positionedas a leader in various net-based B2C opportunities including a wide range of internetbanking services for Fixed Deposits, Loans, Bill Payments, etc.

c) Treasury OperationsWithin this business, the bank has three main product areas - Foreign Exchange andDerivatives, Local Currency Money Market & Debt Securities, and Equities. With theliberalisation of the financial markets in India, corporates need more sophisticated riskmanagement information, advice and product structures. These and fine pricing onvarious treasury products are provided through the bank's Treasury team. To comply withstatutory reserve requirements, the bank is required to hold 25% of its deposits ingovernment securities. The Treasury business is responsible for managing the returnsand market risk on this investment portfolio.Rating

HDFC Bank has its deposit programmes rated by two rating agencies - Credit Analysis &Research Limited (CARE) and Fitch Ratings India Pvt. Ltd. The Bank's Fixed Depositprogramme has been rated 'CARE AAA (FD)' [Triple A] by CARE, which representsinstruments considered to be "of the best quality, carrying negligible investment risk".CARE has also rated the Bank's Certificate of Deposit (CD) programme "PR 1+" whichrepresents "superior capacity for repayment of short term promissory obligations". FitchRatings India Pvt. Ltd. (100% subsidiary of Fitch Inc.) has assigned the "tAAA (ind)" ratingto the Bank's deposit programme, with the outlook on the rating as "stable". This ratingindicates "highest credit quality" where "protection factors are very high". HDFC Bankalso has its long-term unsecured, subordinated (Tier-II) Bonds rated by CARE and Fitch


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Ratings India Pvt. Ltd. CARE has assigned the rating of "CARE AAA" for the Tier-II Bondswhile Fitch Ratings India Pvt. Ltd. has assigned the rating "AAA (ind)" with the outlook onthe rating as "stable".

RESEARCH METHODOLOGY

Research Methodology is a way to systematically solve the problem.It may be understood as a science of studying how research is done scientifically. In it westudy the various steps that are generally adopted by the researcher in studying hisresearch problem along with logic behind them . it is necessary for the researcher to knownot only the research methods/techniques but also the methodology used. Researchersnot only need to know how to develop certain indices or tests , how to calculate mean or median or mode, how to apply particular research techniques but must also know whichof these methods or techniques are relevant and what would they mean and indicate andwhy.Research process consists of series of actions or steps necessary to effectively carry outthe research.

RESEARCH DESIGN:The function of research design is to provide for collection of relevant evidence withminimal expenditure of time effort and money. I followed the census method as I did dailyroute riding along with the executives and the salesmen. I got opportunity to meet andinteract with each one of the customers. and closely came to know specific need of thepromotion of product of hdfc bank in the market as a whole. I covered the distribution areaunder KHURJA region..Under the supervision I got number of relevant data from on spot inspection and

personal observation.

RE S EAR CH M E THODOLOGY

Research methodology forms an important part of any research project. It is a way tosystematically solve the research problem. Two considerations for research methodology under research report are

(1 )RESEARCH DESIGN.(2) SECONDARY DATA.

Research DesignThe function of research design is to provide the collection of relevant evidence withminimal expenditure of efforts, time & money. The research design used here isexploratory in nature, very flexible & judgmental in order to study the products andservices provided by the HDFC BANK LTD.

Secondary Data


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Secondary data consists of the information that already exists somewhere & has beencollected for a different purpose. My secondary data sources for the research projectwerey Internety HDFC

PRODUCT OF HDFC BANK AT A GALANCE:-Savings Accounts:- Current Accounts:-1 . Regular Savings Account Plus Current Account2. Savings Plus Account Trade Current

Account3. SavingsMax Account Regular Current

Account4. Senior Citizens Account Max Current Account

5. Institutional Savings Account Premium Current Account6. Kid's Advantage Account7. Family Savings Group8. Pension Saving Bank Account9. Defence Salary Account

Fixed Deposits:- LOANS:-1 . Regular Fixed Deposit PersonalLoans2. 5 Year Tax Saving Fixed Deposite Home Loans

3. Sweep-in Facility TwoWheeler Loans4. Super Saver Facility New Car Loans

Used Car Loans

Educational Loan

Loan Against Securities

Loan Against Property

Tractor Loans

Health


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Visa BillPayInstaPayDirectPayVisa Money Transfer e -Monies Electronic Funds Transfer

Excise & Service Tax PaymentOnline Payment

SAVING ACCOUNTS:-

Presenting the only e-Age Savings Account that keeps pace with your growing needs. It isa unique savings account in India, which helps you withdraw or deposit cash through widenetwork of branches and ATMs across India.Enjoy the comforts of FREE PhoneBanking , MobileBanking and NetBanking frompractically anywhere, anytime with your savings account.

Use your International Debit Card to shop at over 80 lakh establishments in 140 countries.Pay your electricity, mobile phone and telephone bills through the phone, Internet or the

ATM with the unique BillPay Facility. All this is yours for a minimum balance of just Rs.5000/-.

TYPES OF SAVING ACCOUNT:-

1.REGULAR SAVING ACCOUNT:-

2. SAVING PLUS ACCOUNT3. SAVING MAX ACCOUNT4.SENIOR CITIZEN ACCOUNT5.INSTITUTIONAL SAVING ACCOUNT6.FAMILY SAVING GROUP ACCOUNT7. Defence Salary Account8. Pension Saving Bank Account.

An easy-to-operate savings account that allows you to issue cheques, draw DemandDrafts and withdraw cash. Check up on your balances from the comfort of your home or office through NetBanking, PhoneBanking and MobileBanking.Need money urgently? Withdraw cash from any of the 2526 ATM centres spread acrossthe country.


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Features & Benefits:-

Wide network of branches and over thousand ATMs to meet all your banking needsno matter where you are located.Bank conveniently with facilities like NetBanking and MobileBanking- check your

account balance, pay utility bills or stop cheque payment, through SMS.Never overspend- Shop using your International Debit Card that reflects the actualbalance in your savings account.Personalised cheques with your name printed on each cheque leaf for enhancedsecurity.Take advantage of BillPay, an instant solution to all your frequent utility billpayments. Instruct for payment over the phone or through the Internet.

Avail of facilities like Safe Deposit Locker, Sweep-In and Super Saver facility onyour account.3 Free transactions on SBI/Andhra Bank ATMs per month.Free Payable-at-Par chequebook, without any usage charges upto a limit of

Rs.50,000/- per month.Free InstaAlerts for all account holders for lifetime of the account.Free Passbook facility available at home branch for account holders (individuals

Introducing the best banking option for you with HDFC Bank Savings Plus Account. Nowyou can get access to some of the finest banking facilities with HDFC Bank's SavingsPlus Account. All you have to do is maintain an Average Quarterly Balance of Rs.10,000/- and experience the benefits as mentioned below:


Wide network of branches and over thousand ATMs to meet all your banking needsno matter where you are located.5 Free transactions on any other Bank's ATM per monthFree International Debit Card for all account holders for life time of the account.Free Payable at Par (PAP) chequebook without any usage charges upto a limit of 50,000 per month.*Free Demand Drafts on HDFC Bank locations, upto a limit of 25,000/- per day.Free BillPay & InstaAlerts for all account holders for lifetime of the accountFree Electronic Funds Transfer facility, NetBanking, PhoneBanking &MobileBankingSpecial relationship discount on purchase of Gold Bars25%-off on the Locker rental for the 1st year (only).Intercity Banking / Multi-city Banking.Free Passbook facility available at home branch for account holders (individuals).


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Free Email Statement facility .

Welcome to a world of convenience. Presenting SavingsMax account, loaded withmaximum benefits to make your banking experience a pleasure. By maintaining anaverage quarterly balance of just Rs. 25,000/- you get a host of premium services fromHDFC Bank absolutely free*.

Features & Benefits:-Free unlimited transactions: Cash withdrawal and balance enquiry, at all HDFCBank ATMs & on any other Bank's ATM using your HDFC Bank Debit Card.Free Gold Debit Card for primary account holder for lifetime of the account. GoldDebit Card for other account holders at Rs 250/- p.a.Free Woman's Advantage/International Debit Card for all account holders for lifetime of the account.Free Payable-at-Par (PAP) chequebook, without any usage charges upto a limit of 1lac per month.*Free Demand Drafts on HDFC Bank locations, upto a limit of 50,000/- per day athome branch.Self/Third Party Cash Deposit/Withdrawal at non-home branches, upto Rs 50,000/-per day free. Above Rs 50,000 a charge of Rs 2.90 per thousand on the full amountwould be applicable.Optional sweep out facility to transfer extra savings to a Fixed Deposit, at thethreshold of Rs.50,000/-.In the event of the balance in SavingsMax accountexceeding Rs 50,000/-, the amount in excess of Rs 50,000/- will be swept out in to aFixed Deposit with a minimum value of Rs 25000/- for a 1year 1day period.Free BillPay & InstaAlerts for all account holders for lifetime of the account.Free Monthly Statement of Account.50% off on the Locker rental for the 1 st year only.Folio maintenance charges on Demat account free for first year.Free National Electronic Funds Transfer facility, NetBanking, PhoneBanking &MobileBanking.


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HDFC Bank appreciates your needs and endeavours, which is why, we present anaccount especially dedicated to you, which like a dutiful child will help you fulfill your needs in the best manner possible.


Given below are some of the exclusive privileges you can look forward with theSenior Citizens Accounts

Shop with pride with your EasyShop International Debit Card offered free for lifeto the first applicant. Shop (Point Of Sale limit) upto Rs.25,000/- per day.Enjoy an enhanced cash withdrawal limit of Rs.25,000/- per day on the DebitCard for withdrawals at any HDFC Bank ATM.You need not search for an HDFC Bank ATM, you can avail of 3 free cashwithdrawal transactions per month at any other bank ATM.Payable-at-Par (PAP) chequebooks are issued free. With this facility, outstation

cheques issued by you (for clearing) will be treated as local cheques, at anyHDFC Bank location.What's more, enjoy free PAP usage upto Rs.50,000/- per month. A nominalcharge of Re.1/- per 1000 will apply above Rs.50,000/- on the full amount.Keep a close eye on your account with the monthly account statements offeredfree OR

Avail of free Passbook facility at your account branch.Use the third party cash transaction facility at non-account branches, to haveyour near and dear ones deposit / withdraw cash upto Rs.50,000/- per day onyour behalf for free. Above Rs 50,000 a charge of Rs 2.90/- per 1000 on the fullamount would be applicable.Use our PhoneBanking, MobileBanking and NetBanking facilities offered free toreach us with ease.

Avail free SMS alerts to know the transactions in your account.Free Email Statement facility and National Electronic Funds Transfer facilityavailable.

A specially designed account that offers twin benefits of a savings as well as a currentaccount. Your funds continue to earn you interest while you enjoy hassle-free banking & ahost of other features.

All this and more in a Zero Balance account!

Features & Benefits:-Zero balance account


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Payable at Par chequebook facility Free: You can now use your PAP chequebookat any of HDFC Bank locations (through Clearing only) without any charge.

Avail of Free Outstation Cheque Collection at HDFC Bank locations across thecountry.You can also avail of special rates for outstation cheque collection at non-HDFC

Bank locations.Enjoy unlimited DDs on HDFC Bank locations Free.Carry out cash transactions at any HDFC Bank branch. Third party cashtransactions up to Rs.50,000/ - per day Free.Get monthly account statements Free.

Avail special discounts on Foreign exchange transactions.Bank from home using our 24-hour NetBanking & PhoneBanking service.Collect fees, donations online using our Payment Gateway facility.Invest your surplus funds smartly! Get valuable investment advice from our monthly newsletter absolutely Free.

Children these days are way ahead of their times. Make sure your investments don't fallshort.Now through HDFC Bank's Kid's Advantage Account you can ensure your child's securedfuture and fulfill all his dreams in time. The Kid's Advantage Account presents you a greatway to accumulate savings for your child and provide him the head-start required tosucceed in life. It's an account which grows with your child to meet his future monetaryrequirements.

Features & Benefits:-For their Growing Needs

Free Education Insurance cover of Rs. 1,00,000/- in the event of death of theparent / guardian through vehicular accident by road, rail or air to safeguard thefuture of your child.

ATM/International Debit Card will be issued for children between 7-18 years of agein the child's name with your permission. The amount your child is able to withdrawis Rs. 1,500/- at ATMs or spend Rs. 1,000/- at merchant locations.Your child need not even search for an HDFC Bank ATM. He/she can make 3 cashwithdrawal transactions from SBI/Andhra Bank ATMs per month, absolutely free.Free Personalised cheque book for your child.Monitor the transactions of your child's account with the free quarterly physicalstatement of account or free monthly Email Statement of account.Free NetBanking for you to monitor your child's account.


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Free Passbook facility available at home branch for account holders (individuals).Free Email statements .

HDFC BANK is one of the leading Depository Participant (DP) in the country with over 8Lac demat accounts.

HDFC Bank Demat services offers you a secure and convenient way to keep track of your securities and investments, over a period of time, without the hassle of handling physicaldocuments that get mutilated or lost in transit.

HDFC BANK is Depository particpant both with -National Securities Depositories Limited(NSDL) and Central Depository Services Limited (CDSL)


As opposed to the earlier form of dealing in physical certificates with delays intransaction, holding and trading in Demat form has the following benefits :

Settlement of Securities traded on the exchanges as well as off markettransactions.Shorter settlements thereby enhancing liquidity.Pledging of Securities.Electronic credit in public issue.

Auto cerdit of Rights / Bonus / Public Issues / Dividend credit through ECS. Auto Credit of Public Issue refunds to the bank account.No stamp duty on transfer of securities held in demat form.No concept of Market Lots.Change of address, Signature, Dividend Mandate, registration of power of attorney, transmission etc. can be effected across companies held in demat formby a single instruction to the Depository Participant (DP).Holding / Transaction details through Internet / email.

Secured & easy transaction processing

HDFC Bank Ltd provides convenient facility called 'SPEED-e' (Internet based transaction)whereby account holder can submit delivery instructions electronically through SPEED-ewebsite (https://speed-e.nsdl.com ). SPEED-e offers secured means of transactionprocessing eliminating preparation of instruction slips and submission of the same acrossthe counter to the depository participant. The 'IDEAS' facility helps in viewing the currenttransactions and balances (holdings) of Demat account on Internet on real time basis.


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Salary AccountWhen your company opts for the HDFC Bank Corporate Salary Account programme, youget more than just a Savings Account. You get a superior banking experience plus a hostof value-added services. And an e-Age banking account that is accessible 24 hours a

day, 7 days of the week, 52 weeks of the year. Through free NetBanking , MobileBanking ,PhoneBanking facilities, wide network of ATMs and branches across the country.

You and your colleagues get the convenience of having your salaries credited directly, afree International Debit Card, Overdraft facility, plus free Demand Drafts* and preferentialinterest rates on Personal LoansDefence Salary AccountWhen you opt for the HDFC Bank Defence Salary Account programme, you get morethan just a Savings Account. You get a superior banking experience plus a host of value-added services. And an e-Age banking account that is accessible 24 hours a day, 7days of the week, 52 weeks of the year. Through free NetBanking , MobileBanking ,

PhoneBanking facilities and over 1054 ATMs and 455 branches in 207 cities acrossthe country.You can get the convenience of having your salaries credited directly, a free InternationalDebit Card , free collection of outstation cheques, plus free Demand Drafts andpreferential interest rates on Personal Loans.

Pension Saving Bank Account.The Central Government Civil Pension Scheme operated by the Central Pension

Accounting Office (CPAO) and Employees Pension scheme 1995 under EmployeesProvident Fund Organisation (EPFO) have appointed HDFC Bank as PensionDisbursement Agency. This Pension Saving Bank Account is operational from all theBranches of the Bank throughout the country.

CURRENT ACCOUNT:-

In today's fast-paced business, you frequently need to transfer funds in and across cities,and time is of the essence. HDFC Bank Plus Current Account gives you the power of inter-city banking with a single account.From special cheques that get treated at par with local ones in any city where we have abranch, to free inter-branch transfers of up to 100 lakhs, our priority services havebecome the benchmark for banking efficiency.

TYPES OF CURRENT ACCOUNT:-

1. Plus Current Account2. Trade Current Account3. Premium Current Account4. Regular Current Account5. Max Current Account


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In today's fast-paced world, your business regularly requires you to receive and sendfunds to various cities in the country. HDFC Bank Plus Current Account gives you thepower of inter-city banking with a single account and access to more than 444 cities.

From special cheques that get treated at par with local ones in any city where we have abranch, faster collection of outstation cheques (payable at branch locations), free accountto account funds transfer between HDFC Bank accounts to Free inter-city clearing of upto 100 lakhs per month, our priority services have become the benchmark for bankingefficiency.

Plus Current Account requires you to maintain an average quarterly balance of Rs.100,000.

Features & Benefits:-Free Account to account funds transfer between HDFC Bank accountsFree payment and collection through RTGS.Free payment and collection using NEFT (through Netbanking)Free up to 50 Demand Drafts per month and can be issued from any HDFC BankBranchFree up to 50 Pay Orders (PO) per month and can be issued from any HDFC BankBranch.Free anywhere collection & payment transactions (clearing) within HDFC Bankbranch network (except Dahej), up to Rs.100 lacs per month.Convenience to withdraw & deposit cash at all our branches*300 "At Par" cheque leaves free per month.Register for InstaAlert service and receive updates on your account as and whenthe select transaction happens - all this without visiting the branch or ATM!HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secureand hassle-free. Now, you can enjoy the benefits of banking right at your doorstep.The Bank will arrange to render the services like Cash & Cheque Pickup and CashDelivery, through a reputed agency.Enjoy facilities like 24-hour Phone Banking, Net Banking and Mobile Banking thathelps you check your balance & transaction details, find out the status of your cheque or stop cheque payment.


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A Current account is ideal for carrying out day-to-day business transactions. With theHDFC Bank Regular Current Account, you can access your account anytime, anywhere,pay using payable at par cheques or deposit cheque at any HDFC bank branch. It alsofacilitates FREE NEFT transactions & FREE RTGS collections for faster collections inyour account. Regular Current Account requires you to maintain an average quarterlybalance of only Rs. 10,000.

With a vast network of branches in cities all over the country, and access to a multitude of ATM's, you can keep track of all your transactions anytime

Features & Benefits:-Convenient inter-city banking :Deposit your local cheques in one branch of a city and have it credited to your account at a branch in another city or make payments across HDFC Bank locationsusing PAP cheque facility at a nominal rateFree payments and collections through NEFTFree RTGS collection. RTGS payment @ Rs.100/- per transactionInter-city Account to accounts funds transfer between HDFC Bank accounts at anominal charge of Rs.15/- per transactionsFree Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- atflat cost of Rs.40/-. DDs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- .Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- .Payable at par cheque book at nominal price.Register for InstaAlert service and receive updates on your account as and whenthe select transaction happens - all this without visiting the branch or ATM!HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secureand hassle-free. Now, you can enjoy the benefits of banking right at your doorstep.The Bank will arrange to render the services like Cash & Cheque Pickup and CashDelivery, through a reputed agency.Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking thathelps you check your balance & transaction details, find out the status of your cheque or stop cheque payment.


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Presenting maximum benefits and minimum hassles for you with Max Current Account!With a Rs. 5 lakhs average quarterly balance requirement, we present to you a world of privileges that helps your business expand and grow. Features like maximum freetransaction limits including other beneficial features on this current account trulyenhances your business potential to the MAXimumFeatures & Benefits:-

Maximum transactional benefits with faster mobilisation of funds Average quarterly balance requirement of Rs. 5,00,000/- Access to more than 750 branchesHuge cost savings in inter-city transactions for payable-at-par cheque issuance,funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation chequesFree Account to Account funds transfer between HDFC Bank accountsFree payment and collection through RTGSFree payment and collection using NEFT (through NetBanking)Free Demand Drafts which can be issued from any HDFC Bank branchFree Pay Orders which can be issued from any HDFC Bank branchFree anywhere collection & payment (clearing) upto Rs. 5 Crore per month withinHDFC Bank branch network (except Dahej)Convenience to withdraw and deposit cash at all our branches*Free cash deposit upto Rs. 50 Lakh per month across all home branches (subject toa maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- oncash deposit at a non home branch)Choice of local / Payable at Par cheques. 500 leaves free per monthRegister for InstaAlert service and receive updates on your account as and whenthe select transaction happens - all this without visiting the branch or ATM!HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secureand hassle-free. Now, you can enjoy the benefits of banking right at your doorstep.The Bank will arrange to render the services like Cash & Cheque Pickup and CashDelivery, through a reputed agency.Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking thathelps you check your balance and transaction details, find out the status of your cheque or stop cheque payment.

Premium Current AccountYour business needs a partner who can manage your finances while you concentrate ongrowing your business. Making your funds easily accessible wherever your businessexpands.Introducing the HDFC Bank Premium Current Account

A Current Account with the benefits of accessing your account from a large network of branches , and through direct access channels - the phone , mobile , Internet and through


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the ATM.Enter into a profitable relationship and access all the privileges flowing your way.Reimbursement Current AccountIntroducing the HDFC Bank Reimbursement Account . It completely eliminates thenecessity of counting and recounting cash, and the tedious paperwork and receipts

involved. For those employees who already have Salary Accounts with us, all you do isopen a Reimbursement Account and simply ask your company to credit the cashpayments directly into the account.It"s as easy as that. You will appreciate its numerous benefits too. For instance, no moreworries about carrying large amounts of cash around with you. Since it is separate fromthe Salary Account, it"s also so much easier for you to maintain and track all the cashpayments in the Reimbursement Account. And with HDFC Bank"s world-class bankingservices and facilities, you can access the account, anytime and from anywhere in theworld

FIXED DEPOSIT:-

Urgent needs never announce themselves. But you always have to be prepared for them.What better way to save than a Fixed Deposit in HDFC Bank, a leading private sector bank in India? Browse on and learn how you can get the most out of an HDFC BankRegular Fixed Deposit.Yes it's true. Now you can actually have a combination of a Fixed Deposit and a Savingsor Current Account. With the Super Saver Account from HDFC Bank. You can enjoy anoverdraft facility of up to 75% of your Fixed Deposit funds without breaking the FixedDeposit or losing interest on it.What's more, this account has high interest of a Fixed Deposit and the liquidity of aSavings or Current Account as well. This along with a host of other benefits is available toyou with our Super Saver Account.Now make the most of having a Fixed Deposit Account linked to a zero balance Savings

Account/Current Account. The Sweep-In facility gives you the high interest rates of aFixedDeposit and the liquidity of a Savings Account/Current Account.So when you need funds urgently it is transferred from your Fixed Deposit to your accountautomatically. This also lessens the possibility of a cheque being returned due toinsufficient funds. The Sweep-In Account gives you this and a host of other benefits.

Do you wish to avoid taking overdrafts, and still take advantage of your Fixed Deposits?Then what you need is a Sweep-In Facility on your savings account.Link your Fixed Deposit to your Savings or Current Account and use it to fall back on incase of emergencies. A deficit in your Savings or Current Account is taken care of byusing up an exact value from your Fixed Deposit. Since deposits are broken down in unitsof Re 1/-, you will lose interest only for the actual amount that has been withdrawn.


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Choose between a Savings Account or Current Account to link to your FixedDeposit.

Earn higher interest on the money till it is swept-in, while the remaining FixedDeposit continues to earn you interest.Only an exact amount required to make up for the deficit in the Savings account iswithdrawn from your Fixed Deposit (units of Re. 1/-) thereby minimising interestloss.Multiple deposits can be linked to the Savings account.Flexibility in altering the period of deposit, maturity and payment instructions,principal amount and rollover mode.You can avail of both, a SuperSaver Facility as well as a Sweep-In Facility if youhave linked your deposits to a Savings Facility.Senior citizens enjoy a higher rate of interest on their Fixed Deposits.

Avail an International Debit card and a Free cheque book on your Sweep-in Savingsaccount.

If you believe in long-term investments and wish to earn higher interests on your savings,NOW is the time to invest your money in our Fixed Deposit. Get upto 10.50% on HDFCBank Fixed Deposit with an additional 0.50% for Senior Citizens. What's more NOPENALTY if you withdraw part of the FD in times of need.Flexibility, Security and High Returns all bundled into one offering.Check out the rates and book an FD TODAY!! NetBanking Users can login and book their Fixed Deposit online immediately.


Potential to earn compound interest by reinvesting the principal amount along withthe interest earned during the period.No penalty for premature withdrawal.Flexibility in altering period of deposit, maturity and payment instructions, principalamount and rollover mode before maturity of the rollover deposit.Higher rate of interest on Fixed Deposits for Senior Citizens.


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HDFC BANK LOANS:

Loans for every needNow, our loans come to you in easy-to-pay monthly instalments, and are available witheasy documentation and quick delivery.

TYPES OF LOANS;-1. Personal Loans2. Home Loans3. Two Wheeler Loans4. Used Car Loans5. New Car Loans6. Educational Loan 7. Loan Against Securities8. Loan Against Property9.. Tractor Loans10. Commercial Vehicle

Finance

A dream vacation?Son's admission to a medical college?Daughter's wedding?

Whatever the occasion, our range of Personal Loans can help. The procedure is simple,documentation is minimal and approval is quick


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


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Flexible Repayment options, ranging from 12 to 60 months.Repay with easy EMIs.One of the lowest interest rates.Hassle free loans - No guarantor/security/collateral required.Speedy loan approval.

Convenience of service at your doorstep.Customer privilegesIf you are an HDFC Bank account holder, we have special rates for you.If you are an existing Auto Loan customer with a clear repayment of 12

months or more from any of our approved financiers or us, you can get a hassle freepersonal loan (without income documentation).

If you are an existing HDFC Bank Personal Loan customer with a clear repayment of 12 months or more, we can Top-Up your personal loan.

Personal Accident Cover In order to ensure that your family is taken care of we also offer a Personal Accident

cover of Rs.2,00,000 at a nominal premium.*

Fastrack your loan with our attractive car loan plans Auto Loan Takeover Plan If you are a salaried individual holding any of the credit cards mentioned below, your loangets processed faster.

Requirements:-Facility is available to only HDFC bank account holders (CASA).

All terms and conditions applicable for the used car product are applicable for theLoan take over product. Minimum 9 month old loan with any approved Financier with clear repayment track record

Advantage platinum Credit Card PlanIf you are a salaried individual holding any of the credit cards mentioned below, your loan gets processed faster.

Requirements:

Your card has to be atleast one year old.You need to submit the last two billing statements.Small cars, normal funding up to three years.Funding on premium cars restricted to 70% under this plan.The plan does not include multi-utility vehicles.


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Contract copy and salary slip of NRI.Endorsement on passport for last 3 years.Proof of ownership of property.Post-dated cheques must be from the resident account of the borrower.

No Income-Document Loan Plan Now, you can get a car loan without proof of income.Under this scheme, you get the loan amount up to 60% of the car invoice value.The tenure of loan can be a maximum of 3 years.

100% Loan Plan with Fixed Deposit Lien This allows you to take a loan against your deposit at HDFC Bank.

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

Whichever the bike, our Two Wheeler loan is the answer. With quick approvals, flexiblepayment options and easy repayment - we'll help you buy the bike you desire.


Flexible repayment options, ranging from 12 to 48 months available even at thepoint of purchase.Repay through post-dated cheques with easy EMIs. Calculate your EMI.Hassle free loans - No guarantor required.Speedy loan approval.

Available for almost all models at attractive interest rates.Free gifts from time to time on approval of your Two Wheeler Loan. (Watch thisspace for more details on the free gift promotion).Special Schemes to suit your needsy FastTrack - If a spot approval is what you need, this highly flexible scheme getsyou a loan of up to 70% with minimum interest rates.y EasyLoan - This great scheme gets you a loan of upto up to 85% with minimaldocumentation. All you need as a Surrogate Income proof is:- A copy of credit card and credit card billing statement for the last 2 months OR- A repayment track record OR- Last 3 months bank statements.


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A two-bed apartment?The sea-facing penthouse?Or just the right piece of land to build your dream house?

HDFC Bank brings, HDFC home loans to your doorstep. Over 3 decades of exclusiveexperience, a dedicated team of experts and a complete package to meet all your housing finance needs, HDFC Home Loans, help you realize your dream.


Home Loan - Home loans for individuals to purchase (fresh / resale) or constructhouses. Application can be made individually or jointly. HDFC finances up to 85%maximum of the cost of the property ( Agreement value + Stamp duty + Registrationcharges) based on the repayment capacity of the customer.Home Improvement Loan - HIL facilitates internal and external repairs and other structural improvements like painting, waterproofing, plumbing and electric works,tiling and flooring, grills and aluminium windows. HDFC finances up to 85% of thecost of renovation (100% for existing customers) subject to market value of theproperty..Home Extension Loan - HEL facilitates the extension of an existing dwelling unit. Allthe terms are the same as applicable to Home Loan.Land Purchase Loan - Be it land for a dream house, or just an investment for thefuture, HDFC Land Purchase Loan is a convenient loan facility to purchase land.HDFC finances up to 85% of the cost of the land (Conditions Apply). Repayment of the loan can be done over a maximum period of 15 years.Choose from Fixed Rate or Floating Rate with options to structure your loan asPartly Fixed or Partly Floating.Flexible repayment options to suit your individual needs.Loan cover Term Assurance Plan - HDFC Standard Life Insurance Company Ltd.offers an insurance plan*, which is designed to ensure that life's uncertainties do notaffect your family's interests and your precious home. LCTAP provides a lump-sumpayment on the unfortunate demise of the life assured.

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

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


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


Loans upto Rs.15 Lakhs for Education in India and upto Rs.20 Lakhs for Education abroad#

Attractive interest rates.Repayment to start 1 year after course completion / 6 months after obtainingemployment (whichever is earlier)Loan available upto tenure of 7 years including moratorium period.Tax Benefits availaible under Section 80E of the IT Act *Hassle free loans and speedy approvals.Convenience of service at your doorstep.Loans available for other course related expenses also!

Loans disbursed directly to the educational institution.Loan to be released as per fee schedules of institutes.Exclusive Telegraphic Transfer facility availaible for courses abroad.Loans available for short duration/ job oriented courses also.

Commercial Vehicle Loan Are you looking at finance or loan options for the purchase of your truck, bus, tipper or light commercial vehicle ?You are looking at the right place. We offer hassle-free Commercial Vehicle Loan with thebest terms for funding at the most attractive rates in India.

Loans are extended for Purchase of :- Commercial Vehicles - Loans for LCVs (Light commercial vehicles, HCVs (HeavyCommercial Vehicles), MCVs (Medium Commercial Vehicles), Three Wheelers(This includes buses, trucks, tempos, tippers)

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

Car Loan - New Car LoansYou have spent a lot of time thinking about the make, model and colour of your car. Nowyou don't have to spend a moment more than necessary to bring it home.Just get in touch with us for a car loan to buy a new car and see how simple the car buyingexperience can be. HDFC Bank's Car Loans Scheme is the most convenient way to get aloan for your new dream car.Isn't it time you stepped on the accelerator?

Advantages of our New Car Loans ServicesSpeedy processing - within 48 hours.


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Covers the widest range of cars and multi-utility vehicles in India.Whatever the car you choose, we finance you, for up to 90% of its invoice value.Flexible repayment options - 12 to 60 month period.

Attractive car loan plans. Among the lowest interest rates.

Hassle-free documentation.Prepayment - prepay the loan anytime after 6 months at a small charge.Special rates for HDFC Bank account holders.

Car Loan - Used Car LoansToday, used car of reliable quality and good value for money are readily available. HDFCBank Used Car Loans puts you in the driver"s seat. Flexible options are available for mostmodels at competitive interest rates, and quick approvals. What's more, HDFC Bank alsohelps you select good quality used cars and even value them.

Advantages of our Used Car Loans Services

You can choose any car manufactured in India within a certain age*.Choose flexible loan repayment schedules.Get up to 80% finance of the value of the car.Repay in easy installments of 12 to 48 months.

Avail of the lowest interest rates.If you are an HDFC Bank account holder, we have got special benefits for you.

* 6 years for premium vehicles, 7 years for standard vehicles and up to 8 years (only for salaried individuals) on select vehicles.

Where and How can you apply Applying for a Used Car Loans is absolutely simple. Just fill the online Apply Now formand our representative will get in touch with you shortly.You could also call our PhoneBanking service and our customer service representativewill call on you, at your convenience.

Loan Against SecuritiesIs your money blocked in high yielding securities viz Equity Shares, Mutual Fund Units,GOI Relief Bonds, LIC Policies, IMDs/RIBs.No problem! Apply for an e-Instant Loan, and in just 60 seconds you can find out exactlyhow much overdraft you can draw against your securities, while still retaining ownership.

And if you are eligible, you will have the money in your hands in a few days.Overdraft facility also against LIC Policies , Government of India Relief Bonds andRIBs/IMDs. What's more, by applying online, you get a preferential interest rate. And thebest part is that you can continue to enjoy all your shareholder benefits such as rights,dividends and bonuses.

Advantages of our Loan Against Securities Servicese-Instant Loans: Online eligibility approval in 60 seconds, loan disbursement in 72 hours.Overdraft facility can be availed against pledge of Equity Shares, Mutual Fund units, GOIRelief Bonds or LIC Policies, RIBs/IMDs.


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Preferential rate of interest for online applications.Pay interest only on the amount outstanding and only for the time you use it.Interest is calculated on the daily outstanding balance and debited to your account everymonth end.Shares can be pledged from any Depository (NSDL or CDSL) and any Depository

Participant across the country.For availing of the overdraft facility, the securities need not necessarily be in your name.

What's more, we also offer you the following featuresMinimum loan amount : Rs. 50,000/- Drawing Power Demat Shares Demat Shares up to 50% of the valueMutual Funds Mutual Funds up to 50% of the valueThe contribution of a single scrip should not exceed 65% of the total portfolio value at anypoint of time during the tenure of the account.

Single Scrip LendingLending upto 50% of the value.HDFC Bank to be the Depository Participant.Maximum Loan Amount Rs. 20 LakhsTo receive the overdraft amount, a Current Account is created in your name into which,we will create an overdraft limit.This entitles you to all the Current Account benefits likeFREE International Debit Card FREE ATM facility enabling anytime access to your account from all the ATMs aroundthe country.FREE PhoneBanking - allowing 24-hour access to your account.FREE NetBanking - allowing 24-hour access to your account.

A personalised cheque book for enhanced security.Detailed statement showing the current value of your portfolio and the securities

pledged by you.

Loan Against PropertyExpand your business, plan a dream wedding, or fund your child's education.....HDFC Bank brings to you Loan Against Property. You can now take a loan against your self occupied residential or commercial property and enhance the value of your property.Get a loan of upto Rs. 1 crore and repay it in easy Equated Monthly Instalments (EMI's).Gainfrom your property without giving it on rent or selling it.

Advantages of HDFC Bank's Loan Against PropertyThrough its unique product features HDFC Bank offers following benefits:Loans up to 60% of the market value.

Attractive interest rates in comparison with other forms of borrowings.Speedy Processing.Flexible surrogate income products structured to suit your needs.


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Tenure up to 10 years.

CREDIT CARD:-

The HDFC Bank Credit Card offers you the best features a card can provide along withthe conveniences offered by a bank. Be it low interest balance transfer facility or comprehensive insurance cover, each of its features will help you manage your financesbetter and leave you free to live a better life.

TYPES OF CREDIT CARD:-

1. Silver Credit Card2. Gold Credit Card3. Valu e Plus Credit Card.4 .Woman`s Gold Credit Card

5. E-Seva Credit Card

The best features you could ask for in a credit card.Combined with all the services offered by a world-class bank.Get all with the HDFC Bank International Silver Credit Cards.


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Get 2 reward points for every Rs.150 spent and redeem them against airmilesacross leading airlinesWide choice of redemptionMyRewards gives you an array of redemption opportunities for your Points - Frommicrowaves to refrigerators, from Barbie dolls to latest Fashion labels, we take pride

in giving you one of the widest options for getting rewarded! You can also redeemyour accumulated reward points for air miles on leading airlines like Jet Airways, Air India, Kingfisher Airlines .Revolving credit facility #Pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or any higher amount whichever is convenient and carryforward the balance to a better financial month. For this facility you pay a nominalcharge of just 3.25% per month (39% annually).Lost card liabilityIn case you lose your card, intimate us immediately. If any fraudulent transactionshappen after you have intimated us, you are fully absolved of any liability on those

transactions up to Rs. 2.00 lacs.Interest free credit facility Avail of up to 50 days of interest free period from the date of purchase (subject to thesubmission of the charge by the Merchant).Worldwide acceptance

Accepted at over 23 million merchant establishments around the world, including110,000 merchant establishments in India.

E-Seva Credit Card:The Highlights

The HDFC Bank eSeva Credit Card has been designed exclusively for the residents of Hyderabad. The card features have been customised to the needs of the residents of theemerging Technology Capital of India. It offers you the best features a card can providealong with the conveniences offered by a bank. Be it low interest balance transfer facilityor comprehensive insurance cover, each of its features will help you manage your finances better and leave you free to live a better life.The HDFC Bank eSeva Credit has all the regular features of the HDFC Bank InternationalSilver Credit Card plus exclusive features like:y Hassle free payment - Sign up one-time for a Standing Instructions facility on your eSeva card for any eSeva payments.y

Reward Points - Save upto 2% as you spend - Earn 2 reward points on everyRs.100 spent on eSeva or any other transactions. These points can be accumulated andredeemed towards gifts and utility bills at a later date.y Preferred Partners -

Giant - Hyper-market of the RPG group -10% discount on Apparel and Householdgoods

Apollo Hospitals -15% discount on all Outpatient Investigations,


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10% discount on Inpatient Treatment (exclusive of drugs, disposables andprofessional fees),

20% discount on Preventive Health Checks.Free subscription to Doctors at Home Services (payment per call only will be

charged at Rs. 250/-)

AirTel - 100% Activation fee waived on new postpaid connections.Pizza Corner - 15% off on bills (not included on branded products sold within storelike cold drinks)

Ramoji Film City7.5% off on entry fees.10% Off on hotel bills and merchandise.Choose which of these features* you would benefit from the most...

- Balance Transfer at a lower interest rate - Hassle-free travel - Wide acceptance - Cash at your fingertips

- Add-on Cards - Save while you spend (Reward Points)

Balance Transfer at a lower interest rateMost cards charge interest at the rate of 2.95% per month. Transfer the same balance toHDFC Bank's credit card and you will pay interest at the rate of only 1.65% per month. For existing customers of HDFC Bank, we offer a special rate of 1.45% per month for 6months.Why pay more when you have another way out ?

Hassle-free travel ** Travel bookings were never so easy. Dreams of a quiet family vacation are often ruinedby hassles of travel bookings. Now with the HDFC Bank eSeva Credit Card, book your train and air tickets from the comfort of your home or office.Train Bookings Forget those long queues at railway ticket counters and enjoy the convenience of bookingtrain tickets from your home. Our tie-up with SITA Travels for booking of train tickets, willensure that you can now get train tickets delivered to you at your home. Nominal cost for delivery is charged. A irline bookings Avail a 3.5% discount on domestic and 5.5% discount on international travel as also freehome delivery on all your bookings as a valued HDFC Bank card holder.

** All of the above offers are subject to the terms and condition of the card member agreement To avail a copy of the terms and conditions, please call our 24 hour Customer Call Center.or write to us at HDFC Bank, Credit Cards division, P.O.Box no 399, Anna Salai H P O,Chennai 600 002.Wide AcceptanceThe HDFC bank credit card is one of the most widely accepted credit cards.


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Accepted at over 110,000 merchant establishments across India and Nepal and close to18 million VISA accepting establishments around the world.Cash at your fingertips

Step into any one of our 700 ATMs and withdraw cash upto 30% of your credit limit. Youmay also use any of the VISA member ATMs for withdrawal at a very nominal charge.

Besides withdrawing cash you can also use the HDFC Bank ATMs to :Check the available cash limitDo a PIN changeDo a funds transfer Make credit card payments

Add on CardsGet up to 3 supplementary cards for your spouse, parents, siblings (own brother/sister),son and/or daughter (over 18 years) and allow them to enjoy the many benefits of a HDFCBank eSeva Credit Card.Save while you spend

Spending has never been as much fun!! HDFC Bank's credit card revolutionizes themeaning of the word spend. Here every purchase means a saving!Earn 2 reward points for every Rs. 100 charged to your card. Save these points andredeem them for exciting gifts and offers. What's more - you can save these reward pointsupto 18 months.Privilege Pricing on Loans

As a HDFC Bank eSeva Credit Card holder you get loans from the bank at special rates.The rate discount offered is as follows:Loan Discount OfferedPersonal Loans 1 %Car Loans 0.5 %

Used Car Loans 0.5 %Repayments made easyUse any of the options given below to pay your credit card bills.Through ATMs :Walk in to any one of the 600 and more ATMs in India, at any time for paying your creditcard dues , either by cash or by cheque. If you have an account with HDFC Bank, all youhave to do is transfer the bill amount from your savings or current account to your creditcard account.Through NetBanking :If you have an account with HDFC Bank, and you are registered for HDFC Bank

NetBanking facility,all you have to do is transfer the bill amount from your savings or current account to the card account on the Net, by quoting your 16-digit card number.Standing Instructions :If you have an account with HDFC Bank, you can give a written instruction toautomatically debit your bank account with either minimum amount due or total amountdue of your monthly outstanding to your credit card. However, your account with HDFCBank should be a sole account or a joint account with an any, or either, signing mandate.The drop-box option :


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All you have to do is drop in your payment cheque, quoting your 16-digit card number, atany one of our drop boxes in your city.Over the counter :You can also make your payment by cash or funds transfer at any HDFC Bank branch inIndia, by quoting your 16-digit card number.

Please remember to detach the Credit Card payment stub and enclose it with your payment .Through PhoneBankingBill Payments were never so easy. Call our 24-hour Customer Call center and request aPay Order / Demand Draft to be sent to you. Pay your insurance premium, electricity /telephone / mobile bills using this service.Note : The Utility Payments will be adjusted to your available cash limit and will attractinterest from the date of processing. This service is currently available in select cities for select utilities companies only.No Liability on lost card

Should you lose your credit card, report the loss immediately on our 24-hour call centre at

the below mentioned numbers. Any fraudulent transactions after reporting the loss will notbe your liability and will be borne by us.Protecting you through insuranceThe HDFC Bank eSeva Credit Card offers the most comprehensive insurance cover at noadditional cost! Besides insuring your life against death due to an accident it also protectsyou in the event of hospitalization.In case of death in an accidentIf the card holder loses his life in an air accident, the nominated next of kin will receive acompensation of Rs. 4 lakh. In case this happens in a rail or road accident, the nominatedkin will receive a compensation of Rs. 2 lakh.Private Banking

Private Banking is a comprehensive and exclusive service, offered by HDFC Bank, toselect high net worth individuals and institutions. The service is provided by an advisoryteam specialised in financial and investment services. These experienced professionalsput together unbiased and objective guidance based on strong research and in-depthanalysis of financial instruments taking into account your financial goals andrequirements.

An experienced Relationship Manager serves as your one-point contact, for your complete banking and investment needs and requirements.y Resident Services

Equity Advice Advice on direct equity is through research reports based on fundamental and technicalparameters across individual stocks / model portfolio / customised client portfolios.

Research recommendations are generated by our Equity Research team and cover different risk parameters and time horizons.


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Our coverage includes comprehensive reports and regular updates. Click on any report toview a sample of the sameDaily AAG - The newsletter 'At A Glance' ( AAG) focusses on daily equities and eventswith coverage across equity, debt and forex markets.Market Impact - Fundamental analysis of companies and results

Daily Market Pulse - A technical analysis and interpretation of chartsCompany Research Reports - Reports and views on stocks and recommendationsacross different time framesStock Ideas - Reports on aggressive stock themes.These recommedations are then aggregated into different model portfolios for referenceacrossConservative portfolio - For long term investors

Aggressive portfolio - For medium term investorsSuper aggressive - For short term investorsIn addition, we offer research support onTrading Strategies - A newsletter based on opportunities in the derivative segment

Govt. of India Savings BondsThese bonds are issued by the Reserve Bank of India (RBI) on the behalf of the Govt. of India (GOI). GOI Bonds are available in one coupon rates -y 8% Savings Bonds 2003 - These bonds carry an interest of 8% which is taxable.

An investor can receive interest either on a half-yearly basis or on maturity. There is nolimit on the investment amount in these bonds. The maturity period of the 8 % Savingsbond (taxable) is six years.

At HDFC Bank, we understand the value of your time and the opportunities it holdsfor you. Your personal financial investment needs might get overlooked, while youattend to your business and professional needs. In line with this, we are pleased tooffer to you a customised Investment Advisory Service for your existing portfoliosand regular investable surpluses.

The service offers research based advice to optimise returns on your investmentportfolio across a range of financial instruments, keeping in line with your profile andinvestment objectives. Your existing portfolio is analysed to advice you onrebalancing to obtain an optimum asset mix. Here, a dedicated advisor regularlyguides you through the evolution of new market opportunities, to evaluate andrestructure your existing investment portfolio.

E-Age Banking


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Welcome the world of e-Age Banking :-e-Age Banking lets you check your balances and other details on all your Savings,Current and Demat Accounts, allows you to make loan payments on your loans, transfersmoney between your accounts, and much more.In addition to banking from your home, you can now pay your bills from the comfort of your

home or office using HDFC Bank's BillPay service. This service gives you the freedom topay your utility bills, even your insurance premium, without waiting in queues, writingchecks or missing bill payment dates. And it is FREE.

At HDFC Bank, we call it "e-Age banking" where the 'e' is aimed at making life a lot easier. HDFC Bank's e-Age Banking Channels are:NetBanking:Now, a FREE, safe and secure way to bank over the Internet! Check your upto-the-second account balance, transfer funds between your accounts or to thirdparties, and much more at just a click of the mouse.MobileBanking:

FREE access to your account on your mobile phone, through SMS or WAP services. A

TM Get a FREE ATM card and access your account, 24 hours a day, 365 days a year, fromany of over 615 ATMs spread across different cities in India.

International Debit CardEnjoy shopping at over 30,000 establishments in India and over 10 Million establishmentsin 140 countries. Or withdraw cash from 7 lakh VISA/Plus ATMs across the globe. Theamount you spend on your card is automatically debited from your Savings Account.

PhoneBankingEnjoy FREE 24-hour PhoneBanking to check your balance, find out the status of your chequeor even open a new Fixed Deposit, all from the comfort of your home or office.BillPayUse this FREE and convenient facility to pay your electricity, phone and mobile phonebills with a single call or click or from any of our ATMs. The bill amount for all services youhave registered for is presented online. But payment is made and the amount is deductedfrom your account ONLY on receiving your instructions.Review on quarterly basis by the dedicated advisor Netbanking - Online Banking / Internet BankingNow up-to-the second access anytime anywhere !While many banks offer online banking or internet banking facilities, most of them do notoffer up-to-the-second account information. Which means that if a cheque issued by youhas been debited from your account in the morning, your account status will not reflectthis when you log-in to your account in the afternoon. That's because, the account isupdated at the end of each day and not instantaneously.

HDFC Bank Online is a pioneer with regards to online banking or internet bankingservices in India and has contributed immensely to changing the face of banking in India.With NetBanking, you can not only view your account balance but also open a Fixed


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DEBIT CARDS:-

An ATM card you can shop with all over the country and in over 140 countries with. Youcan spend in any currency, and pay in Rupees

TYPES OF DEBIT CARDS:-

1. EasyShop International Debit Card 2. EasyShop Gold Debit Card 3. EasyShop International Business Debit Card 4. EasyShop Woman's Advantage Debit Card 5. EasyShop NRO Debit Card 6. Kisan Card

Features & Benefits:_ Daily Limits: Rs. 15000 at ATMs for Withdrawal and Rs. 25000 at merchantestablishments for shopping

Access your bank account at over 8,00,000 Visa/Maestro/Cirrus ATMs in India andabroad.0 % petrol surcharge at select BPCL Petrol pumps*: As a Debit Card holder, anysurcharge levied on your Card at select BPCL petrol pumps would be reversed inthe subsequent month. Click here for more details.Shop at more than 3,50,000 outlets in India and 13 million worldwide. The amount isdebited directly to your account.Use your card overseas. Your account is debited in Rupees regardless of thecurrency in which you spend.Zero Liability on fraudulent Point Of Sale usage on lost or stolen cards. Click herefor more details.Now get an Alert on your mobile phone or email for every purchase transaction doneusing your Debit Card at a merchant outlet !! All you need to do is register for Insta

Alerts!Worldwide assistance from Visa and MasterCard on your card.


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Daily Limits: Rs. 50,000 at ATMs for Withdrawal and Rs. 50,000 at merchantestablishments for shopping.

Cash Back*: For every Rs. 100 that you will spend, you will receive Re. 1 as cashback. This cash back is valid on all purchases made through the card, at all times of the year!!!0 % petrol surcharge at Petrol pumps*: As a Gold Card holder, any petrol surchargelevied on your Card at any petrol pump in India will be reversed in the subsequentmonth.Zero Liability on fraudulent Point of sale usage on lost or stolen cards*: If it's not your purchase you don't have to pay for it!! Your Debit Card is safer than ever!In case you lose your Debit Card, call us on our phonebanking numbers or visit thenearest HDFC Bank branch. Click here for more details.POS Alerts: Now get an Alert on your mobile phone or email for every purchase

transaction done using your Debit Card at a merchant outlet !! All you need to do isregister for Insta Alerts!Insurance cover*: The following are included in the insurance covers:

Death Cover by Air / Road - Sum assured Rs. 5,00,000Fire & Burglary for the items purchased under Debit Card (upto 6 months) -

Sum assured Rs. 50,000Loss of Baggage Insurance - Sum assured Rs. 20,000

Exclusive offers at premium outlets*: Special Offers for our EasyShop Gold DebitCard customers in association with Visa and MasterCard will be provided form timeto time.


Cash Back of Re. 1 for every Rs. 200 spent*: For every Rs. 200 that you will spend, you will receive Re. 1 as cash back .This cash back is valid on all purchases

made through the card, at all times of the year!!!Specialised Services*: A unique service number will be available for Woman'sDebit Card customers to avail information / booking for the services listed ahead.Just call, quote your card number and use any of the services. These services aresubject to availability and rendered on a best effort basis.Entertainment assistance :y Dining Referral and Reservation Assistancey Flower & Gift Delivery


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y Movie TicketsHome assistance:y Financial Planning & Advisory Services Assistancey Electrical & Electronic Gadget Repair Assistancey Pest Control Assistancey Home Cleaning AssistanceWellness :y Medical Check Up Packagesy Nursing Care Arrangement50% discount on locker fee*: You will be entitled to a 50% discount on locker feefor the 1st year. This waiver would be applicable for only one locker per card. Inorder to avail of the discount, please show your Woman's Advantage Debit Cardat the branch.Special discount on purchase of Gold Bars*: Preferential pricing will be given toyou on purchase of Gold Bars. In order to avail of the special discount, pleas showyour Woman's Advantage Debit Card at the branch.Insurance cover*: You will be entitled to Personal Accident insurance cover of 2lacs.Zero Liability*: You will not have any liability to any fraudulent Point of Saletransactions on the debit card, which take place upto 30 days prior to reporting thecard loss.Click here for more details.Free BillPay*: You will not be charged for Bill Pay Service, normally chargeable atRs. 100 p.a.Daily Limits: Rs. 20,000 at ATMs for Withdrawal and Rs. 30,000 at merchantestablisValue Added Services

Foreign Exchange (FOREX) Facilities:-

Are you planning to Travel abroad on Business? Or just taking an Overseas Holiday? or Are you an Importer/Exporter?We will help you fulfill your every need. We offer the following Foreign Exchange Services

Travel Requirements - Foreign Currency Cash, American Express TC's andTravelex TC's and Forexplus Card

Remittances and Foreign Currency Demand Drafts - Gift your Loved Ones, Payyour Children's Fees etc

Cheque Deposits - For your USD, GBP Cheque etc. and Overseas Cheque BoxFacility

Trade Finance Services - Exports, Import, Letters of Credit and Bank Guarantees

Our other Foreign Exchange related Services includeDoorstep Delivery of Foreign Exchange - To have Foreign Currency Cash andTC's delivered to your home Free Of Cost

Cash To Master For Ships docking at Indian PortsForeign Exchange Services for Non HDFC Bank account Customers

These facilities are presently available at 370 branches all over India and we are in theprocess of continuously adding to the list of our branches to offer Retail ForeignExchange Facilities to our valued customers.


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FOREX PLUS CARD :-

All set to go abroad? We've got great news for you!HDFC Bank is proud to present the Forexplus Travel Card. A pre-paid traveller's card thatgives you a secured and hassle-free travel experience. So now you won't chase

moneychangers or pay any transaction charges for shopping abroad. If your card isstolen, you can always block it. And just in case you want to extend your journey, you canalso reload. It's one card that solves all your foreign exchange needsYou can opt for the card you are interested in:

Forexplus Dollar Card or Forexplus Euro Card

Forexplus, a pre-paid traveller's card has facilities like:

- Accepted at over 13 million Visa Merchants anywhere in the world

- 24 hour VISA ATMs anywhere in the world.

- Reloadable anytime, anyplace

- Available in US Dollar & Euro Currencies

- Personal Accident Insurance Covers of Rs 2 lacs

- Loss of Baggage & Passport, reconstruction insurance cover.


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Mutual Funds:-

Mutual funds are funds that pool the money of several investors to buy a variety of securities. Mutual Funds could be Equity funds or Debt funds or a combination of the two.

Various benefits of investing in mutual funds include risk diversification, professionalmanagement, tax benefits and the ability to choose from a wide basket of funds.Funds are selected on quantitative parameters like volatality, fund churn, risk adjustedreturns, rolling return coupled with a qualitative analysis of fund performance andinvestment styles through regular interactions / due diligence processes with fundmanagers.

The analysed funds are presented in the form of fact sheets from the bank which areupdated on a monthly basis.Equity funds factsheet Debt funds factsheet

Insurance:- As part of the HDFC Bank endeavour to offer you a complete range of financial services,you can avail of insurance plans from HDFC Standard Life Insurance through any of our Bank branches.

HDFC Standard Life Insurance, India's premier new life insurance company, offers youcustomised insurance solutions to meet your life and health risk protection, long termsavings and retirement planning needs with its range of products

HDFC Standard Life Insurance Co. Ltd :

HDFC Standard Life Insurance Co. Ltd was incorporated on 14th August 2000. It was thefirst new Life Insurance company to be granted Certificate of Registration from IRDA on23rd Oct 2000. HDFC is the main stake holder with 81.4% while Standard Life owns18.6%Products Offered :Savings Schemes : With profits Endowment Assurance / With Profits Moneyback planWhole Life PlansRisk Covers : Term Assurance / Loan Term AssuranceRetirement Schemes : Personal Pension PlanChildren Plan

Financial Planning:-The Financial Planning service is offered as an option to long term investors.The portfoliois advised on in a passive investment style with the asset category as mutual funds. Theplanner is suitable for investors who wish to take a asset allocation based, long term


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investment outlook, ignoring the short term volatalities of financial markets. The style issteady asset allocation based on a theory that long term investing over a long time framewill help the client achieve stated goals

Financial Planning takes into account :1 . Desired asset allocation, risk profile and return expectations2. Building cash flows correlating all expenses and income. Inflation and outflowsdue to loans are considering in building the financial plan3. Future goals like retirement, housing and children's education / marriage or other needsThe client would be offered the followingy Financial Plan indicating the required savings to meet the desired goals.y Asset AllocationMonthly reportsExperience the convenience and ease of e-Age Banking channels. Our e-Age Banking

customers have easy access to all their accounts, anytime, anywhere. If you wantup-to-the-second information about your accounts, it's possible with our state-of-the arttechnology which few banks can match. Most of the e-Age Banking channels are free andthey are available 24 hours a day, 7 days a week.

SERVICES OF HDFC BANK:-

1. INSTA ALERTS.2. NET BANKING.3. MOBILE BANKING.4. PHONE BANKING.

5. BILL PAY.6. MARCHANT SERVICES.7. NET SAFE.8. Ngpay.9. PRAPAID MOBILE REFILE.

Now you can get regular updates on your bank account on your mobile phone or email ID.

Just register for our InstaAlert service and receive updates on your account as and whenthe select transaction happens - all this without visiting the branch or ATM

You can register for any or all of the following alerts:-

Debit transactions greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000Credit in account greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000

Account Balance below Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000-Weekly account balanceSalary Credits*


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Utility bill payment due Alert**

NetBanking is HDFC Bank's Internet Banking service. Providing up-to-the-secondaccount information, NetBanking lets you manage your account from the comfort of your mouse - anytime, anywhere.

Introducing a simpler way to register for NetBankingSay goodbye to long queues and paper work. Presenting one more reason to register for NetBanking. You can now call the PhoneBanking numbers in your city to register for NetBanking.


View Account Balances & StatementsTransfer Funds between accountsCreate Fixed Deposits OnlineRequest a Demand DraftPay BillsOrder a Cheque BookRequest Stop Payment on a Cheque

And lots more

Your Mobile is now your bank! Now access your bank account and conduct a host of banking transactions and inquiries through your mobile, with our unique MobileBankingservice.Features & Benefits:-Get your balance detailsObtain your last 3 transaction detailsRequest a cheque bookStop a cheque paymentEnquire cheque statusRequest an account statementGet Fixed Deposit detailsRequest for Internet PIN re-generation


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Pay your bills*

Features & Benefits:-Check your account balance - Get up-to-the-second details of your Savings or Current Accounts and your Fixed Deposits. You can also get the details of the last 5transactions on your account, or have a mini statement of last 9 transactions faxedacross to you.Enquire on the cheque status - You can use PhoneBanking to check on the status of cheques issued or deposited from anywhere in India.Order a Cheque Book / Account Statement - Just call PhoneBanking and get your Cheque Book or latest Account Statement delivered at your doorstep.Stop Payment - Stop payment of a single cheque or a series of cheques, 24 hours aday.Loan Related queries - Get details of the outstanding loan amount, enquire aboutyour loan account, request for an interest certificate and repayment schedule, etc.Just call PhoneBanking in your city and dial 4 to speak to our PhoneBanker Open a Fixed deposit or Enquire on your Fixed deposits / TDS*# - Talk to our PhoneBanker to easily open a Fixed Deposit over the phone, by simply authorisinga transfer of funds from your Savings Account.Transfer Funds between accounts*# - You can also transfer money from one of your accounts to another. Both accounts must be linked to your Customer ID. You cantransfer amounts upto Rs 1 Lac in a single day.Pay your bills - Pay your cellular, telephone, electricity and HDFC Bank Credit Cardbills through PhoneBanking using BillPay, a comprehensive bill payments solution.Know more about BillPay. Report loss of your ATM / Debit Card / ForexPlus Card - If your ATM / Debit /ForexPlus Card is lost, call any PhoneBanking number to deactivate your card (s).Learn about all our other products - Get details on HDFC Bank products & servicesby talking to our Phone Banker.Enquire about latest Interest / Exchange rates - Get latest Interest rates on Depositsand Foreign Exchange rates by talking to our Phone Banker.Request a Demand Draft / Manager's Cheque #** - Call PhoneBanking and get aDemand Draft / Manager's Cheque delivered to your doorstep.Demat Related Queries$ - Get the Account holding details, Transaction details, ISINNumber of a scrip, Status of Depository Slips, details of Client Master list (Dividendaccount, Charges Debit account, PAN etc.) & others.Call PhoneBanking in your city& dial 5 to

Now, you have the luxury of paying your telephone, electricity and mobile phone bills atyour convenience through the Internet, ATMs, your mobile phone or telephone - usingBillPay, a comprehensive bill payments solution.What's more you can check the billamount before you make any payments ensuring you always pay the right amount.


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BillPay has made all your bill payments easy.Key Benefits:-Convenience at its best - No queuing up at collection centres or writing cheques anymore!

A variety of payment modes available - ATMs, NetBanking, MobileBanking and

PhoneBankingPayments can be made right up to the due date.Check your bill amount before you make any payments - ensuring you pay the exactamount you wish to.

For Merchants, the world over, accepting payments through cards; both debit and credit,is an easy and cost effective way to enhance business, increase revenue, and improveefficiency.

As an acquirer, HDFC Bank makes accepting credit and debit cards easy. Our valuedmerchant establishments can now accept all credit and debit cards issued under the Visa,Visa Electron, MasterCard and Maestro brands. Our service is backed by superior technology infrastructure and personalised support from a designated relationship officer.We offer card acceptance solutions both on EDC machine and on the Internet through our Payment Gateway product.Key Benefits:-Reduce transaction timeHave freedom of accepting exact amounts- e.g. an amount of 1297.67 can be easilyaccepted on card but is quite inconvenient to accept in cash.Reduce manual errors in cash counting and collection.Increase customer retention by offering customers standing instructions paymentoptions on their cards to make recurring payments. Customers do not need to cometo your billing center every month for making recurring paymentsOptions of accepting payments on regular EDC (Electronic Data Capture)Terminals, through your ECR (Electronic Cash Registers) or through the website.

NetSafe, is a unique online payment solution that offers you complete security whileshopping on the Internet. With NetSafe, you can now shop online through a virtual creditcard, without revealing your actual HDFC Bank Credit Card number. What's more, youcan now use your HDFC Bank Debit Card also for online purchases.Key Benefits:-

Your HDFC Bank credit / debit card number is never used on the merchant


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website.The NetSafe card you create is a one time use card.You can set your own limit for the NetSafe cards you generate.You can use it on any merchant website that accepts Master Card / VISA paymentcards.

It ensures a completely safe and secure online shopping experience. All purchases you make with NetSafe Cards will appear on your statement, justlike any other transaction.

Key Benefits:-It is our endeavour to simplify the world of banking for you. You can now requestcheque books, stop cheques, request Demand Drafts, access Account statementsand more from wherever you are - with ngpay - a revolutionary application thatallows you to transact on your mobile phone as easily as you can on our website.Then again, there's more to ngpay than just MobileBanking! gpay offers a range of services from it's network of partners. In a simple, consolidated menu, you candiscover and choose merchants or service providers with whom you want totransact.

Banking with HDFC Bank: Full suite of MobileBanking and Payment Servicesincluding Fund Transfer facility. You can transfer funds to any HDFC Bank

Account or any Visa Card (Debit or Credit) within India using ngpay.Entertainment at Fame Cinemas, INOX Cinemas: Search for shows, select / viewseats and pay for ticketsTravel through IRCTC, Deccan, Make-My-Trip, Yatra, redBus: Search for options, price trips and book tickets.Shopping from Ferns N Petals, Archies, FutureBazaar: Search, buy and shipproducts to anyone, anywhere in India.Telecom Services with BPL Mobile: Manage your accounts, top-up the prepaidbalance and pay your monthly postpaid bills.

HDFC Bank offers Prepaid Mobile Refill, which allows you to recharge your prepaidmobile phone anytime from anywhere and pay directly from your Bank account. Avoidhassles of withdrawing cash or searching for a r

Documents

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