HDB Financial Services

1. Personal Loan
2. New to Credit Loan
3. Doctor’s Loan
4. Business Loan
5. Auto Loan
6. Gold Loan
7. Loan Against Property
8. Enterprise Business Loan
9. Loan Against Shares
10. Loan Against ESOPs
11. Credit Card Balance Transfer
12. Consumer Durables Loan
13. Commercial Vehicle Loan
14. Construction Equipment Loan
15. Car Loan
16. Used Car Loan
17. Loan Against Securities
18. Loan Against Life Insurance Policies
19. Loan Against KVP / NSC
20. Loan Against Mutual Funds
21. Loan Against Bonds
22. Loan against Lease Rental
23. Equipment Loan
24. Tractor Loan

HDB financial services offer personal loan to overcome any unexpected expenses such as a wedding or a vacation or any other unexpected expenses. The personal loan has been designed to meet the financial expectation of every class of customer and allow them to lead their life with complete peace of mind.

The features of personal Loan are:

• High quantum of loan amount up to 20 Lakhs
• The Tenure ranges between 12 – 60 months
• No security or collateral or guarantor is required
• Quick and hassle free processing with the facility of doorstep service
• Minimum Documentation & quick processing
• Privileged offers to the employees of few selected companies
• Offered to Salaried Individuals, Self-employed individuals & professionals as well as Private Companies & Partnership firms involved in manufacturing, Trading or any other Services
• The loan is offered to applicants between the age group of 21 years to 60 years only.
• For Salaried person the Minimum employment term should be 1 year & Minimum 3 years or self-employed persons.

New to Credit

HDB financial services Ltd is one of the many lenders which offer a personal loan to an individual who doesn’t have any previous credit history. This mostly consists of the first-time borrower. No CIBIL or the Equifax score is required to be eligible for this loan. The other features are:

• Maximum loan amount is up  to 1.50 lakhs  & repayment tenor is 6 or 12 or 18 months
• The Minimum age to be eligible for this loan is 24 years
• The Salaried Individuals should have at least 1 year of work experience and should have employed with select companies.

Special features are:

• The unsecured Loan is offered to any Individual Medical Practitioners or Doctors.
• There is no requirement of any Guarantors or any collateral..
• The applicant has option to repay the loan between 12 -60 months
• The loan can be availed for any personal or expenses towards professional requirement such as setting up Clinic or Nursing Home or Pathological Laboratory.
• The Maximum permissible age at the time of loan sanction should be 65 years and Minimum work experience of 4 years

HDB financial services offer customized loan solution for the business class, the salient features of HDBFS business loan are:

• Doorstep services for every step of loan processing, i.e. from applying till the disbursal.
• The minimum age to apply for the business loan is 22 years & the maximum age at the time loan maturity can be 65 years.
• The firm or person should be involved in a business activity for at least 3 years.
• The Minimum annual business Income should be at least Rs.1, 00,000 for all Metro locations and  Rs. 75,000 for any other locations.
• The loan is available for self-employed individuals, Sole proprietors, Partnership firms or Private limited company involved in Manufacturing, Services or Trading.

• HDB financial services offer loan to purchase new car / used Cars.Auto loans are offered to a salaried individual between the age group of 21 to 58 years and a relaxation of 2 years is given to  government employees.
• HDBFS auto loans are also offered to self-employed professionals between the age group of 21-65 years with minimum 3 years in same business & minimum annual business income of Rs. 2 lakhs.
• The loan is also offered to partnership firms or Private limited companies with 3 years of existence and at least business income of Rs.2 lakhs per annum.
• The maximum loan amount offered is 90% of the current market value of the vehicle or Rs.30 lakhs whichever is lower.
• The term of the loan is between 12 – 48 months.
• Attractive interest rate as compared to other lenders.
• Hassle free processing for quick & speedy disbursal.
• Special offers is available for self-employed Doctors
• The repayment can be done through convenient EMI’s every month.

• Apart from the competitive rate of interest, the loan is disbursed instantly with minimal documentation.
• The applicant can either visit the nearest HDBFS branch or can fill up a form for doorstep assistance.
• The gold loan is offered to a maximum tenure of 48 months.
• The Minimum age of borrower should be 21 years & maximum age at the time of loan maturity can be 65 years.

• Loan amount up to 20 Lakhs or 75% the gold value is offered.
• The Safety & security of gold jewelry is ensured with state of the art strong room.
• The others features include Flexible repayment options & transparency for charges.
• Any salaried individual or self-employed person or businessman can apply for gold loan with HDB financial services.

• A loan to purchase any consumer durable such as Television, Refrigerators, Air conditioners, Washing Machine, Laptops or Furniture
• The finance option is available at Zero Interest rate & lower down payments
• Easy repayment through EMI & No collateral or security deposit
• Minimal documentation & Instant Approvals.

It’s another variant of business loan with below mentioned features:

• The loan is offered to any salaried individual, professionals, Government sector employees, Sole proprietorship, partnership firms or  private limited company against the shares pledged from a Depository anywhere in the country
• Loan amount up to 50% of the shares value can be availed
• The repayment can do in form of EMI or interest only payment.
• Discounted interest rates of companies with high Net worth
• Simple & hassle-free processing for Instant credit

The features of loan against property offered by HDB financial services are:

• Loan amount up to Rs. 8 Crore or 60% of the market value of property can be availed under loan against property.
• The maximum Tenure available is up to 15 years at attractive rate of interest
• Simple and hassle free loan processing
• The applicant has option of Balance transfer from any other existing lender
• The Loan can be availed against the Rent Receivables  or Lease rental discounting
• The loan can be availed for any personal or profession use such as purchase of new office or shop for business

Under the Commercial Vehicle Loan, HDB financial service offers various finance schemes to a wide spectrum of borrowers

• The loan is offered to any Large or medium or small size fleet owners
• Individuals or Partnership firms, Proprietorship firms as well as Private – Public limited enterprises are eligible to avail this loan.
• Maximum Tenure is up to 60 months
• The Financing option is available for New or used light & small commercial vehicles
• The Top-up option existing vehicle loans is also available
• Simple documentation & hassle free loan processing
• Technical Support to purchase the vehicle is also offered

• The loan is offered to any salaried individual, professionals, Government sector employees, Sole proprietorship, partnership firms or  private limited company against the shares pledged from a Depository anywhere in the country
• Loan amount up to 50% of the shares value can be availed
• The repayment can be done in the form of EMI or interest only payment.
• Discounted interest rates of companies with high Net worth
• Simple & hassle-free processing for Instant credit

• CE loan caters the financial needs of construction hirers, earthmoving & material handling equipment hirers & plant hirers
• Any Small & medium sized contractors dealing with Government or private agencies can avail the benefit of CE loans.
• The contractors working at various civic & municipal bodies or involved in waste management can also be benefited from this loan
• The loan is accessible with maximum tenure of 48 months
• One of the key features is finance of Up to 100% on the asset cost
• The loan can be availed for new or used equipment  or Top-up of existing loans
• Simple documentation and easy loan processing

• The loan is offered to any salaried individual, professionals, Government sector employees, Sole proprietorship, partnership firms or  private limited company against the LIC policy or KVP or mutual; returns pledged from a Depository anywhere in the country
• Loan amount up to 50% of the bond maturity amount or MF units is pledged.
• The repayment can be done in the form of EMI or interest only payment.
• Discounted interest rates of companies with high Net worth
• Simple & hassle-free processing for Instant credit

• The loan is offered to any salaried individual, professionals, Government sector employees, Sole proprietorship, partnership firms or  private limited company against the LIC policy or KVP or mutual; returns pledged from a Depository anywhere in the country
• Loan amount up to 50% of the shares value can be availed
• The repayment can be done in the form of EMI or interest only payment.
• Discounted interest rates is offered to the companies with high Net worth
• Simple & hassle-free processing for Instant credit

• The loan is intended to cater the financial need of farmers  for financing new or used Tractors
• Tenure can go up to 60 months and then Repayment is done on Monthly or Quarterly or Half yearly basis.
• Through a team of agro- experts, a customized financing solution is designed to meet the individual requirements
• Simple documentation and  easy processing for faster disbursements
• One of the key features is finance of Up to 100% on the vehicle cost
• The loan can be availed for new or used equipment  or Top-up of existing loans