M2015 SERIAL NO.

Loan Application Form

Mortgages
Proposal No.
Primary Applicant Details FILL ALL THE FIELDS IN CAPITAL LETTERS
Company Name
Co. Address

Company
Constitution PAN No.
Personal Details Applicant Co - Applicant
Title Mr. Ms. Mrs. Dr. CA Mr. Ms. Mrs. Dr. CA
First Name
Middle Name
Last Name
Father's/Husband's
Name
Maiden Name (if any)
Mother’s Name
Date of Birth D D M M Y Y Y Y D D M M Y Y Y Y
Sex Male Female Third Gender Others Male Female Third Gender Others
PAN No.
UID / AADHAR No. X X X X X X X X X X X X X X X X
GST Number
Proof of Identity Driving Licence Passport Voter ID Driving Licence Passport Voter ID
NREGA Job Card Other _______________ NREGA Job Card Other _______________
Nationality Indian Others (Specify)______________ Indian Others (Specify)______________
Marital Status Single Married Single Married
Religion ____________________ SC/ST OBC ____________________ SC/ST OBC
CKYC No. Self
____________________ Relation to Applicant _______ CKYC No. __________________ Relation to Applicant _______
Education Undergraduate Graduate Undergraduate Graduate
Post Graduate Others: ____________________ Post Graduate Others: _____________________
No. of Years At Current Address In the City At Current Address In the City
HDFC Bank
Customer ID*
DIN/CIN
Residential Status Resident Indian NRI OCI Resident Indian NRI OCI
Foreign National Person of Indian Origin Foreign National Person of Indian Origin
Type of Residence Self Owned Rented Co. Owned Parents Owned Self Owned Rented Co. Owned Parents Owned
Current Address
Mailing Address
Landmark
City
State
Country
Pin Code
Phone No. with STD Code
Mobile No.
Please Tick to receive Communication from Bank via SMS E-mail
Email ID
Please Tick if same as current address
Permanent Address
Mailing Address
Landmark
92910/22.07.2022_M019

City
State
Country
Pin Code
Phone No. with STD Code
* For HDFC Bank Customers Only
Page 1
 Applicant Co - Applicant
Employment / Business Details
Salaried Self Employed Salaried Self Employed
Professional ________________ (Pls Specify) Professional ________________ (Pls Specify)
Firm/Company Name
Designation
Prop. Partnership Pvt. Ltd. Co. Prop. Partnership Pvt. Ltd. Co.
Others, Please Specify ____________________ Others, Please Specify ____________________
Firm/Company Mailing Address Same as Primary Applicant Same as Primary Applicant
Address

Landmark
City
State
Country
Pin Code
Country Code
Phone No. with STD Code
Ext. No.
Income / Banking Details
Annual Income _____________________________ Annual Income _____________________________
No. of Years in Present Organisation No. of Years in Present Organisation
Industry Code Total Work Exp. (Yrs) Industry Code Total Work Exp. (Yrs)
Industry Codes: 1 Engineering Products 2 Doctor 3 Accounting & Consulting 4 Agriculture 5 IT & Software 6 Media &
Entertainment 7 Automobiles 8 Banking 9 Hotels & Hospitality 10 Education 11 Architect 12 Pharma & Medicine 13 Cloth &
Textiles 14 Insurance Civil Contractor 15 Real Estate & Builder 16 Freight & Logistics 17 Contractor/Franchisee 18 Advertising &
Promotion 19 Chemicals 20 Jewellery & Ornaments 21 Iron & Steel, 22 Others : __________________________ Please Specify
If Less Than 2 Years In Current Employment / business, Please Provide Previous Employment / Business Details:
______________________________________________ ______________________________________________
______________________________________________ ______________________________________________

1. Bank Name
Branch
Bank A/C No.
Account Type Current Savings Current Savings
Yr. of A/c Opening
2. Bank Name
Branch
Bank A/C No.
Account Type Current Savings Current Savings
Yr. of A/c Opening
Credit Card Issuer's Name
Credit Card No.
Credit Limit
Existing Loan 1. Name Of Institution ________________________ 1. Name Of Institution ________________________
Details Loan Amount (Rs.) __________________________ Loan Amount (Rs.) __________________________
Loan Type __________ Tenure _______Months/Yrs Loan Type __________ Tenure _______Months/Yrs
EMI Amount (Rs.) ________ EMIs Paid _________ EMI Amount (Rs.) ________ EMIs Paid _________

2. Name Of Institution ________________________ 2. Name Of Institution ________________________

Loan Amount (Rs.) __________________________ Loan Amount (Rs.) __________________________
Loan Type __________ Tenure _______Months/Yrs Loan Type __________ Tenure _______Months/Yrs
EMI Amount (Rs.) ________ EMIs Paid _________ EMI Amount (Rs.) ________ EMIs Paid _________

3. Name Of Institution ________________________ 3. Name Of Institution ________________________

Loan Amount (Rs.) __________________________ Loan Amount (Rs.) __________________________
Loan Type __________ Tenure _______Months/Yrs Loan Type __________ Tenure _______Months/Yrs
EMI Amount (Rs.) ________ EMIs Paid _________ EMI Amount (Rs.) ________ EMIs Paid _________
Page 2
Personal Reference 1 Reference 2
Reference
Name
Relationship
with Applicant
Res. Address

City Pin Code Pin Code

Phone
Mobile
Email Id
Politically Exposed Person (PEP)Declaration
Politically Exposed Person are individuals who are or have been entrusted with prominent public function in India or in foreign country, e.g. Heads of States or of Governments,
senior government / judicial / military officers, senior executives of state-owned corporations important political party officials, etc.
Please tick Yes / No: 1st Applicant PEP/Relatives and close Associate of PEP Yes NO Co Applicant PEP or Relatives and close Associate of PEP Yes NO
Loan Application Details
Loan Location Loan Amount
Product LAP LCP DOD LARR Tenure: In Months
End Use Business Education Marriage Asset Acquisition Debt Consolidation Agriculture
Others (Pls. Specify)
Property Ownership Details
1) Mr./Mrs./Ms./Dr.
2) Mr./Mrs./Ms./Dr.
No. of Property Owner(s) Classification of Property: Flat Row House Bungalow Shop Plot Office Hotel
Age of Property: __________ Years Others_____________________________________________
Property Address Type of Property : Residential Commercial
Current Market Value : Rs. ______________
Unit Type (In case of Apartment):
Landmark 1 BHK 2 BHK 3 BHK Others _____
City Plot Area (sq ft) ______________________
State Carpet Area (sq ft) ____________________
Pin Code Built Up Area (sq ft) ___________________
This is with reference to my application for Secured Loan, I confirm my business turnover for latest three years in as below.
Name of the Relationship Turnover for Turnover for Turnover for
entity Constitution
(Partner/Director etc.) (FY ________ in Rs.) (FY ________ in Rs.) (FY ________ in Rs.)

Total
Declaration Regarding Joint Ventures/Wholly Owned Subsidiaries abroad for entities in whose name the facility is being sought.
(Please Tick the Option which is applicable) A] I/We are a Joint Venture with an Overseas entity. Yes / No.
If " Yes", mention the shareholding of Indian Co. / Promoter : ___% B] I/We have a Wholly Owned Subsidiary [WOS]
overseas. Yes / No. C] I/We have a Step-down subsidiary overseas. Yes / No.
PSL Category (PRIORITY SECTOR/MSME CATEGORY)
DIRECT AGRI :Agriculturist/ Farmer & allied Agricultural activity such as Dairy,Piggery, INDIRECT AGRI : Food & Agro Based Processing Units operating from Semi Urban/
Poultry, Fishery, Bee-Keeping, Cattle Feed, Poultry Feed,Horticulture, Fertilisers, Urban Areas, Arathias/Grain Merchants operating from anaj mandies, Service Units
Pesticides, seeds etc, ProprietorshipFOOD & agro based processing units in rural areas contracting tractors/borewells to farmers, Dealers of agri machinery/ pesticides &
& grading, sorting & transporting of agri produce undertaken by Individuals in rural areas. fertilizers, Units running storage facilities for agri produce.
SUPER MICRO MANUFACTURING ENTERPRISE Manufacturing Units with SMALL SERVICE ENTERPRISE: Service Sector Units with Investment in Office
Investment in Plant & machinery upto Rs. 5 lakhs Equipment > 10 lakhs to 2 Crs.
MICRO MANUFACTURING ENTERPRISE Manufacturing Units with Investment in MEDIUM SERVICE ENTERPRISE: Service Sector Units with Investment in Office
Plant & machinery upto 25 lakhs Equipment > 2 Crs to 5 Crs.
SMALL MANUFACTURING ENTERPRISE Manufacturing Units with Investment in EDUCATION: Loans granted to Individuals for educational purposes upto Rs. 10 lakhs
Plant & machinery > 25 lakhs to 5 Crs. for studies in India & Rs. 20 lakhs for studies abroad.
MEDIUM MANUFACTURING ENTERPRISE Manufacturing Units with Investment in KHADI & VILLAGE Khadi INDUSTRIES ( KVI Sector)
Plant & machinery > 5 Crs. to 10 Crs.
SUPER MICRO SERVICE ENTERPRISE : Service Sector Units with Investment in RETAIL TRADER : Private Retail Traders with combined credit limit upto 20 lakhs from
Office upto Rs. 2 Lakhs all banks/ Traders in Essential Commodities
MICRO SERVICE ENTERPRISE : Service Sector Units with Investment in Office
Equipment upto 10 Lakhs

Person with Disability : Yes/ No (If yes, please submit the Disability Certificate)
Agriculture Land Details : I/We Own/Cultivate land to the extent of ______________acres at _______________________ attached herewith 7/12
documents/copy of land revenue receipt.
I/We hereby declare that information furnished above is true and accurate Applicant's Signature

Page 3
 Declaration

1. I/We declare that we are citizens of India and all the particulars and information given in the application form is true, correct and complete and no
material information has been withheld/suppressed.
2. I/We shall advise the bank in writing of any change in my/our residential or employment/ business address.
3. I /We confirm that the funds shall be used for the stated purpose and will not be used for speculative or antisocial purpose.
4. I /We authorise HDFC Bank Limited. to make any enquiries regarding my application.
5. I /We authorise HDFC Bank Limited. to make any enquiries with other finance companies/registered credit bureau.
6. HDFC Bank Limited. reserves the right to retain the photographs and documents submitted with this application and will not return the same to the
applicant.
7. I/We have read the application form/ brochures and am/are aware of all the terms and conditions of availing finance from HDFC Bank Limited.
8. I/We understand that the sanction of this loan is at the sole discretion of the bank and upon my/our executing necessary security (ies) and other
formalities as required by the bank and no commitment has been given regarding the same .
9. I/We authorise HDFC Bank Limited. to conduct such credit checks as it considers necessary in its sole discretion and also authorise the bank to
release such or any other information in its records for the purpose of credit appraisal/sharing for any other purpose. I/We further agree that my/our
loan shall be governed by the rules of HDFC Bank Limited. which may be in force from time to time. All loans are at the sole discretion of HDFC
Bank Limited.
10. I am aware that the upfront Legal and Technical fees and the applicable service tax collected from me at the time of the application is nonrefundable
under any circumstances
11. Payment : No. Cash / Bearer cheque has been collected from you up-front towards processing the loan application.
12. No discount/Free gift or any other commitment is given whatsoever which is not documented in the loan agreement by HDFC Bank or any of its
authorised representatives
13. The loan amount and disbursal is at the sole discretion of HDFC Bank and no commitment has been given regarding the same.
14. I/We confirm that I / we have no insolvency proceedings against me/us nor have I/we ever been abdujicated insolvent.
15. Customer Declaration on relationship with Bank/Other Banks
Is Applicant a Firm/Company in which relatives of directors of any other bank are interested as partner/guarantor /director / as a guarantor/ is in
control* / major shareholder** ? Yes No
Is Applicant a director /Relative of Director, or Senior Officer of the Bank? Yes No
Is the Applicant of Firm/Company in which relatives of Director or Senior Officer of the Bank are interest as partner/ as a guarantor/director// is in
control / major shareholder** ? Yes No
*The term “control” shall include the right to appoint majority of the directors or to control the management or policy decisions exercisable by a
person or persons acting individually or in concert, directly or indirectly, including by virtue of their shareholding or management rights or
shareholders agreements or voting agreements or in another manner.
**The term “major shareholder” shall mean a person holding 10% or more of the paid-up share capital or five crore rupees in paid-up shares,
whichever is less including directors of Scheduled Co-operative Banks, director of Subsidiaries/Trustees of Mutual Funds/Venture Capital Funds,
Set up by HDFC Bank or any other Bank
16. I/We hereby authorize & give consent to the Bank to disclose, without notice to me/us, information furnished by me/us in application form(s)/related
documents executed/to be executed in relation to the facilities availed from the Bank, to the Bank’s other branches/subsidiaries/ affiliates Credit
Bureaus/Rating Agencies, Service Providers, banks/financial institutions, governmental/regulatory authorities or third parties for information
verification, credit risk analysis, or for other related purposes that the Bank may deem fit. I/We waive the privilege of privacy and privity of contract
17. I/We are aware that charges for late payment of EMI are 2% per month on overdue EMI amount for LAP/LARR & 18% default interest applicable on
overdue amount in case of DOD.
18. I/We are aware that an Account Maintenance Charges of Rs. 5000/- is applicable for DOD cases
19. The tenure/repayment/interest/other terms and conditions of the loan are subject to change as a consequence to any change in the money market
conditions or on account of any other statutory or regulatory requirements or at the Bank's discretion. The bank reserves the right to review and
amend the terms of the loan in such manner and to such extent as it may deem fit.
20. I/We Confirm that I/We do not have any existing customer ID or customer ID apart from the one mentioned above, in case found otherwise, Bank
reserves the right to conciliated the customer the customer Ids under a single customer ID as it may decide, without any prior notice to me/us.
21. I understand that in case I do not wish to receive promotional information through telephone calls / email / sms on products and services not
currently availed by me, I can register for " Do Not Call" service through Bank's website www.hdfcbank.com or through Phone Banking or other
channels that the Bank may offer. I agree that this service will not apply to receipt of advice and information regarding products and services
currently availed by me, to help me in fully realising the benefits of the range of financial solutions designed to make my banking relationship value
added and more convenient.
22. The Applicant hereby irrevocably and unconditionally consents to and authorises the Bank (acting through any of its officers, representatives,
systems) to, without notice to me/ us, access, use, store, reproduce, disclose any part of the information and data including the personal data and
sensitive information of the Applicant and information and data pertaining to any other person, as furnished by the Applicant as part of or pursuant
to the Application including under any of the documents or copies thereof submitted to the Bank, for the purposes of data/information verification,
appraisal, credit risk analysis, reporting, or for other related purposes that the Bank may deem fit, cross-selling of products and services by the
Bank or its subsidiaries, affiliates, including where any such verification, analysis, etc. is from or through any persons, sources, whether official,
governmental, public, private, web-based, electronic, personal, etc. and whether it requires or results in access of further information or data
including on or through any electronic platforms, websites, portals, etc, and where so required, to act for and on behalf of and/or in the name of the
Applicant for the aforesaid purposes (including access, authentication), and to use and disclose, without notice to me/ us, for any of the aforesaid
purposes, any such data and information or any part thereof to any of the authorities, agencies, persons, websites, service providers, the Bank’s
other branches/ subsidiaries/ affiliates/ Credit Bureaus/ Rating Agencies/ Service Providers, banks/ financial institutions,
governmental/regulatory authorities or third parties, as also to access, preserve, store, use any furnished/accessed information/data including
any further information/data. I/ We waive the privilege of privacy and privity of contract.”
23. I/We hereby declare and confirm if any detail or declaration made by me/us, if found to be false, then the bank will be entitled to revoke and/or
recall the credit facility.
24. I/We hereby declare and confirm that any purchase by me/us of any insurance product is purely voluntary and is not linked to availment of any
credit facility from the Bank.
25. I/We hereby declare that the details furnished above are true and correct to the best of my knowledge and belief and I/We undertake to inform you
of any changes therein, immediately. In case any of the above information is found to be false or untrue or misleading or misrepresenting, I/We
am/are aware that I /We may be held liable for it.
26. I/We hereby consent to receiving information from Central KYC Registry through SMS/Email on the above registered number / email address.

ADDITIONAL INFORMATION:
Details with respect to the EMI presentation dates, number of EMIs and amount will be communicated separately through a
welcome letter postdisbursement of loan. Terms and conditions of the loan agreement shall be provided on request.
Documents Submitted

This is to confirm that the customer(s) has/have submitted the below mentioned documents along with the Loan Application to
HDFC BANK LTD (“Bank”)
Application Form Photograph (Signed across) Last __________Months Bank Statement (Self attested) Latest 2 Salary Slips (Self attested)
Last 2 years ITR with cpomputation of Income/certified Financials (Self/CA attested) Photo Copy of PAN CARD (Self attested)
Proof of Identity (with expiry date if applicable) __________________________ (Specify) (Self Attested) Proof of Identity Number ___________________
Photo Copy of Property Papers (Self attested) Loan Account Statements for Balance Transfer/Balance Transfer & Top up/Repayment/Retention Cases
Proof of Residence __________________________ (Specify) (Self Attested) (Resi cum Biz / Residential / Biz / Registered Office / Unspecified)

Page 4
 KEY FACT SHEET INCLUDING SCHEDULE OF CHARGES
Nature of Facility Term Loan/Dropline Overdraft (DOD) Facility
Type of Interest Rate Floating Interest Rate linked to Marginal Cost of Funds based
Lending Rate of the Bank (“MCLR”) OR Floating Interest
Rate linked to Policy Repo Rate (Reference Rate)
Marginal Cost of Funds based Lending Rate of the ______ as on date
Bank ("MCLR") / Policy Repo Rate (Reference Rate)
Applicable Interest Rate (as on date) (% per annum) Reference Rate as on date (MCLR) / Policy Repo Rate
(+)_____(%) of Spread p.a. = ____ %p.a.
Date of Reset of Interest Effective dates of each change in/reset the Reference Rate
/ Spread of the Bank
Mode of Communication of changes in interest rates Email/letter/Bank Website/Newspaper/Notice at the Branches
/ Annexure to Statement of Accounts/SMS.
Processing Fees (Non - Refundable) Upto 1 % of the Loan Amount (Minimum Processing Fees
collected Rs. 7500/- of which Rs. 5000/- is upfront payable
(+ Taxes as applicable)
Prepayment charges for Term Loan (Prepayment cannot be made until 6 months of repayment) : 2.5% (plus taxes) of principal
outstanding being repaid or at such rates as decided by Bank. No prepayment charges will be charged for prepayment post 60
months after date of last disbursement of the loan.Nil foreclosure charges on floating rate loans sanctioned for purposes other
than business to individual borrowers & Nil foreclosure charges for MSE certified borrowers ,If closed from own sources. In case
of closure by borrowed funds foreclosure charges of 2% (plus taxes) shall be applicable for MSE certified borrowers.
Prepayment charges for Drop Line overdraft (Prepayment cannot be made until 6 months of repayment) : (a) Within 12 months
from the date of execution of the Agreement : 4% of the applicable operating limit (month in which discontinued) (b) After 12
months from the date of execution of the Agreement : 2% of the applicable operating limit (month in which discontinued) (c) No
foreclosure charges on floating rate loans to MSE certified borrowers if loan is closed from own source of funds. If MSE certified
borrower's loans are closed from borrowed funds, foreclosure charge of 2% (plus taxes) will apply.
Default Interest for Term Loan 2% per month on amounts due
Default Interest for Overdraft Facility 18 % p.a. on the amount due
Cheque Bounce Charges Rs. 550/- per incident (+) Service tax (without prejudice to Bank’s
civil and criminal rights and remedies)
Legal/Repossesssion & Incidental Charges Actual Cost Incurred
Repayment mode change charges Rs. 500/-
Repayment Schedule Charge Rs. 50/-
Account Maintenance Charges (applicable only for Overdraft Rs. 5000 + GST
Facility)
Commitment Charges for Overdraft Facility ( Quarterly) : If average quarterly utilization > 30 % No commitment fee charges to be
charged. If the average quarterly utilization < 30 % Charges upto 0.10% will be charged on the difference between the actual
utilization and expected average utilization of 30 %. Subject to a minimum charge of Rs. 5000/-
Date on which annual outstanding balance statement will be issued 31st May
Stamp Duty & other Statutory Charges As per actuals as are applicable in laws of the state.
Revision in spread Charges 0.1% of Principal Outstanding or Rs. 5000/- (whichever is higher).
Property Document Retention Charges Rs. 1000/- per calendar month, after 2 calendar months from the
date of closure of all loans / facilities linked to the collateral.
CERSAI Charges for creation / modification of security Rs. 100/- per collateral
interest on collaterals
Documents Retrieval Charges Rs. 75/- per set.
Non Compliance of Sanction Terms & Conditions 2% per annum additional on existing Rate of Interest
(To be charged on monthly basis) subject to a maximum of
Rs. 50000/- for critical security deferrals and maximum
of Rs. 25000/- for other deferrals.
Property swapping / Partial property release charges 0.1% of the loan amount subject to a minimum of
Rs. 10000/- & maximum of Rs. 25000/- per property.
Payment Return Charges Rs. 450/- per incident (+) tax (without prejudice to Bank’s civil
and criminal rights and remedies)
The Bank reserves the right to vary any of the above charges from time to time with due intimation to the customer. Revised Charges will be communicated to the customer through Email/ letter/ Bank Website/ Newspaper/ Notice at the Branches/
Annexure to Statement of Accounts/ SMS. The above charges are exclusive of taxes and statutory levies as applicable from time to time. The above charges are the maximum charges applicable for each type of charge.
For detailed list of charges please visit our website www.hdfcbank.com
The Customer confirms that the Bank's Sales Representative has: (a) Collected self-attested copies of the above mentioned documents. (b) Informed me/us that the “MCLR” / "Policy Repo Rate " shall mean the percentage rate per annum declared or
notified by the Bank as “Marginal Cost of Funds Based Lending Rate of the Bank / Policy Repo Rate” from time to time having regard to the Reserve Bank of India’s guidelines, rules and regulations; (Please note that the Applicable Interest Rate
mentioned above is an indicative rate & the final rate shall be communicated in the Sanction letter along with other terms and conditions) (c) Not been given any payment in cash, bearer cheque or kind along with or in connection with this Loan application
from the customer. (d) Informed me/us that service tax and all other statutory taxes, levies including stamp duties and registration costs (if any), other fees, commissions, charges as may be applicable will be charged in connection with the loan. (e)
Informed me/us that the Bank will not be liable for loss or delay in receipt of documents. (f) Informed me/us hat incomplete / defective application will not be processed and the Bank shall not be responsible in any manner for the resulting delay or otherwise.
Notwithstanding the aforestated, the submission of loan application to the Bank does not imply automatic approval by the Bank and the Bank will decide the quantum of the loan at its sole and absolute discretion. The Bank in its sole and absolute discretion
may either sanction or reject the application for granting the loan. Incase of rejection, the Bank shall not be required to give any reason. (g) Informed me/us that Loan processing and disbursement will take atleast 7 working days post submission of all
requisite documents and information as may be required by the Bank as per Bank’s criteria. (h) The Bank reserves its right to reject the loan application and retain the loan application form along with the photograph, information and documents. (i) Informed
to me/us that the Bank shall have the right to make disclosure of any information relating to me/us including personal information, details in relation to loan, defaults, security, etc to the Credit Information Bureau of India (CIBIL) and/or any other
governmental/regulatory/statutory or private agency/entity, credit bureau, RBI, the Bank’s other branches/ subsidiaries / affiliates / rating agencies, service providers, other banks / financial institutions, any third parties, any assignees / potential assignees
or transferees, who may need, process and publish the information in such manner and through such medium as it may be deemed necessary by the publisher/ Bank/ RBI, including publishing the name as part of wilful defaulter’s list from time to time, as
also use for KYC information verification, credit risk analysis, or for other related purposes. (j) Informed me/us that Equated Monthly Installments (EMI) will be due on 7 / 15/ of every month. ( Strike out which is not applicable) (k) Informed & explained
me/us all the charges and terms and conditions mentioned overleaf. (l) Informed me/us that the Bank will send the Welcome Letter and Repayment schedule to me/us on the e-mail ID mentioned by me/us in the loan application. In addition, informed to me/
us Welcome letter and Repayment schedule is also available on www.hdfcbank.corn under Net Banking login choosing Option for Retail Loan customers and I/we will request for a physical copy of Welcome letter and Repayment schedule if need be.
Page 5
 MOST IMPORTANT TERMS AND CONDITIONS

The charges are exclusive of terms and conditions which are as follows
(a) Borrower's loan will be a Reference Rate Linked loan (Presently the “Marginal Cost of Funds based Lending Rate of the Bank
(MCLR) or Policy Repo Rate” is the reference rate (“Reference Rate”)) applicable on per annum basis as per condition precedent
and in the schedule. Borrower shall be liable to pay the Pre-EMI i.e. the interest on the Loan payable for the period starting from the
respective date/ date(s) of the Loan up to the date from which the interest becomes payable as part of the EMIs. (b) The rate of
interest is subject to revision in terms of the Loan Agreement/ Overdraft Agreement to be executed by the Borrower and is subject to
any higher rate that may be prevailing at the time of disbursement. The Interest Rate applicable as on the date of this MID is
mentioned hereinabove and shall be subject to change everytime the Reference Rate is changed/ is reset by the Bank in its
discretion. The change in the Interest Rate shall become effective on each date of change in/ reset of the Reference Rate. The
Borrower shall keep itself informed of such reset of Reference Rate from time to time. The Reference Rate may also be available on
the official website of the Bank. The Bank shall in its absolute discretion or as per the guidelines/ directions/ rules/ regulations/ law
issued/ notified by the Reserve Bank of India and/or any other statutory or regulatory authority and any other law in force including
but not limited to, any tax law or based on the changes in the prevailing Reference Rate be entitled to modify the Interest Rate
(including Spread), and the Borrower agree and confirm to pay interest as per such modified Interest Rates on the Loan and related
amounts on and from the date of such modification. In any event the Borrower shall keep himself/ themselves informed of all such
variations/ revisions in the Interest Rate. (c) Payment of interest / charges / upfront fees and commitment charges/ dues /
obligation / impost / levies / applicable tax / duties / other charges shall be made by the borrower without any deduction / protest /
delay. Interest and other charges shall be computed at the rate of 365 day per year. Bank at its discretion may modify the basis of
year and periodicity of the interest or applicable rate of interest. Such changes shall be binding on the borrower. Borrower is
responsible to check with the bank changes in the rate from time to time. (d) The payment can be made through Cheques, Bank
Drafts, Standing Instruction, and ECS on or before the due dates. Borrower has to ensure adequacy of funds in the bank account
from which the payment is made, credit shall be given only on realization of funds. In the event of payment being made at any
branch other than the concerned branch, borrower shall immediately inform the concerned Bank branch in writing. (e) The Bank
may at its absolute discretion permit prepayment of the Loan/ Overdraft Facility or any part thereof where: (a) the Borrower serves
at least 15 days’ written notice of its/ his intention to prepay at the Concerned Branch; (b) only after expiry of 6 months/6 EMIs from
the respective date of disbursement of Loan/ availing of Overdraft Facility; and (c) subject to such conditions as the Bank may
prescribe subject to applicable law and regulations, including payment of the prepayment charges as mentioned in the Schedule
hereto or as specified from time to time by the Bank. Foreclosure charges shall be applicable in case the Loan/ Overdraft Facility is
allowed to be foreclosed at the request of the Borrower and at the absolute discretion of the Bank and foreclosure shall take effect
only when entire Outstanding Balance has been paid to and realized by the Bank. (f) The borrower shall allow the representative /
nominee of the Bank to visit and inspect the premises / property comprising the security and shall submit the compliance / audited
document like Balance sheet / profit and loss account / quarterly results / Bank statement / statement of income or wealth and such
other copies / document as may be required by the Bank. The Borrower shall not enter into changes / amendment / alteration /
modification without a written permission from the Bank. (g) Borrower has agreed to give the PDC / SI / ECS for the repayment of
loan and is fully aware of the fact that dishonor of Cheque / revoke of SI / ECS instruction is a criminal offence under Law. The
borrower undertake to the Bank to honor all payment without fail and not to instruct his / her bankers to stop the payment of Cheque
/ revoke the SI / ECS instruction or instruct the Bank to withhold depositing the Cheque. (h) The borrower will not change the Name /
Constitution / close or change the banker from which PDC / SI / ECS have been drawn / mandated without a written permission of
Bank.
Donot Sign This Form if its Blank. Please Ensure all relavant sections and documents are completely filled to your
satisfaction and then only sign the form

re re
He Signature of Applicant He Signature of Co-Applicant
oto o to
Ph Ph
e e
st st
Pa ___________________ Pa ___________________
Date: ______________ Date: ______________

BANK USE ONLY

RM/Coex Code Co-ordinator Code :

Sourced by: Branch DSA Campaign Reference WEB HBL OPEN MKT PBK Others ________________
Classic Preferred IMPERIA ME Direct Others____________________________________

CRM NO.
DSA Name: ______________________________________________

DSA CODE

SE CODE TSE CODE

PROMOTIONAL SCHEME _____________________________

CREDIT PROGRAM : RNP PNP RMT PMT PIP LLP GRP EEP BKP GTP MELAP BKPP CCBT GTP-M

Exposure Type - Existing Fresh Pre Approved Internal Customer Balance Transfer Top up Enhancement
Page 6
 Documents Submitted (Customer Copy)
This is to confirm that the customer(s) has/have submitted the below mentioned documents along with the Loan Application to HDFC BANK LTD (“Bank”)
Application Form Photograph (Signed across) Last __________Months Bank Statement (Self attested) Latest 2 Salary Slips (Self attested)
Last 2 years ITR with cpomputation of Income/certified Financials (Self/CA attested) Photo Copy of PAN CARD (Self attested)
Proof of Identity (with expiry date if applicable) __________________________ (Specify) (Self Attested) Proof of Identity Number ___________________
Photo Copy of Property Papers (Self attested) Loan Account Statements for Balance Transfer/Balance Transfer & Top up/Repayment/Retention Cases
Proof of Residence __________________________ (Specify) (Self Attested) (Resi cum Biz / Residential / Biz / Registered Office / Unspecified)
KEY FACT SHEET INCLUDING SCHEDULE OF CHARGES
Nature of Facility Term Loan/Dropline Overdraft (DOD) Facility
Type of Interest Rate Floating Interest Rate linked to Marginal Cost of Funds based
Lending Rate of the Bank (“MCLR”) OR Floating Interest
Rate linked to Policy Repo Rate (Reference Rate)
Marginal Cost of Funds based Lending Rate of the ______ as on date
Bank ("MCLR") / Policy Repo Rate (Reference Rate)
Applicable Interest Rate (as on date) (% per annum) Reference Rate as on date (MCLR) / Policy Repo Rate
(+)_____(%) of Spread p.a. = ____ %p.a.
Date of Reset of Interest Effective dates of each change in/reset the Reference Rate
/ Spread of the Bank
Mode of Communication of changes in interest rates Email/letter/Bank Website/Newspaper/Notice at the Branches
/ Annexure to Statement of Accounts/SMS.
Processing Fees (Non - Refundable) Upto 1 % of the Loan Amount (Minimum Processing Fees
collected Rs. 7500/- of which Rs. 5000/- is upfront payable
(+ Taxes as applicable)
Prepayment charges for Term Loan (Prepayment cannot be made until 6 months of repayment) : 2.5% (plus taxes) of principal outstanding
being repaid or at such rates as decided by Bank. No prepayment charges will be charged for prepayment post 60 months after date of last
disbursement of the loan.Nil foreclosure charges on floating rate loans sanctioned for purposes other than business to individual borrowers &
Nil foreclosure charges for MSE certified borrowers ,If closed from own sources. In case of closure by borrowed funds foreclosure charges of
2% (plus taxes) shall be applicable for MSE certified borrowers.
Prepayment charges for Drop Line overdraft (Prepayment cannot be made until 6 months of repayment) : (a) Within 12 months from the date of
execution of the Agreement : 4% of the applicable operating limit (month in which discontinued) (b) After 12 months from the date of execution of
the Agreement : 2% of the applicable operating limit (month in which discontinued) (c) No foreclosure charges on floating rate loans to MSE
certified borrowers if loan is closed from own source of funds. If MSE certified borrower's loans are closed from borrowed funds, foreclosure
charge of 2% (plus taxes) will apply.
Default Interest for Term Loan 2% per month on amounts due
Default Interest for Overdraft Facility 18 % p.a. on the amount due
Cheque Bounce Charges Rs. 550/- per incident (+) Service tax (without prejudice to Bank’s
civil and criminal rights and remedies)
Legal/Repossesssion & Incidental Charges Actual Cost Incurred
Repayment mode change charges Rs. 500/-
Repayment Schedule Charge Rs. 50/-
Account Maintenance Charges (applicable only for Overdraft Facility) Rs. 5000 + GST
Commitment Charges for Overdraft Facility ( Quarterly) : If average quarterly utilization > 30 % No commitment fee charges to be charged. If the
average quarterly utilization < 30 % Charges upto 0.10% will be charged on the difference between the actual utilization and expected average
utilization of 30 %. Subject to a minimum charge of Rs. 5000/-
Date on which annual outstanding balance statement will be issued 31st May
Stamp Duty & other Statutory Charges As per actuals as are applicable in laws of the state.
Revision in spread Charges 0.1% of Principal Outstanding or Rs. 5000/- (whichever is higher).
Property Document Retention Charges Rs. 1000/- per calendar month, after 2 calendar months from the
date of closure of all loans / facilities linked to the collateral.
CERSAI Charges for creation / modification of security Rs. 100/- per collateral
interest on collaterals
Documents Retrieval Charges Rs. 75/- per set.
Non Compliance of Sanction Terms & Conditions 2% per annum additional on existing Rate of Interest
(To be charged on monthly basis) subject to a maximum of
Rs. 50000/- for critical security deferrals and maximum
of Rs. 25000/- for other deferrals.
Property swapping / Partial property release charges 0.1% of the loan amount subject to a minimum of
Rs. 10000/- & maximum of Rs. 25000/- per property.
Payment Return Charges Rs. 450/- per incident (+) tax (without prejudice to Bank’s civil
and criminal rights and remedies)
The Bank reserves the right to vary any of the above charges from time to time with due intimation to the customer. Revised Charges will be communicated to the customer through Email/ letter/ Bank Website/ Newspaper/
Notice at the Branches/ Annexure to Statement of Accounts/ SMS. The above charges are exclusive of taxes and statutory levies as applicable from time to time. The above charges are the maximum charges applicable for
each type of charge.
'For detailed list of charges please visit our website www.hdfcbank.com
The Bank's Sales Representative confirms he has: (a) Collected self-attested copies of the above mentioned documents from the customer (b) Informed me/us that the “MCLR” shall mean the percentage rate per annum
declared or notified by the Bank as ‘Marginal Cost of Funds based Lending Rate of the Bank’ from time to time having regard to the Reserve Bank of India’s guidelines, rules and regulations; (Please note that the Applicable
Interest Rate mentioned above is an indicative rate & the final rate shall be communicated in the Sanction letter along with other terms and conditions) (c) Not been given any payment in cash, bearer cheque or kind along with
or in connection with this Loan application from the customer. (d) Informed me/us that service tax and all other statutory taxes, levies including stamp duties and registration costs (if any), other fees, commissions, charges as
may be applicable will be charged in connection with the loan. (e) Informed me/us that the Bank will not be liable for loss or delay in receipt of documents.
P.T.O
Page 7
(f) Informed me/us hat incomplete / defective application will not be processed and the Bank shall not be responsible in any manner for
the resulting delay or otherwise. Notwithstanding the aforestated, the submission of loan application to the Bank does not imply
automatic approval by the Bank and the Bank will decide the quantum of the loan at its sole and absolute discretion. The Bank in its sole
and absolute discretion may either sanction or reject the application for granting the loan. Incase of rejection, the Bank shall not be
required to give any reason. (g) Informed me/us that Loan processing and disbursement will take atleast 7 working days post
submission of all requisite documents and information as may be required by the Bank as per Bank’s criteria. (h) The Bank reserves its
right to reject the loan application and retain the loan application form along with the photograph, information and documents. (i)
Informed to me/us that the Bank shall have the right to make disclosure of any information relating to me/us including personal
information, details in relation to loan, defaults, security, etc to the Credit Information Bureau of India (CIBIL) and/or any other
governmental/regulatory/statutory or private agency/entity, credit bureau, RBI, the Bank’s other branches/ subsidiaries / affiliates /
rating agencies, service providers, other banks / financial institutions, any third parties, any assignes/potential assignees or
transferees, who may need, process and publish the information in such manner and through such medium as it may be deemed
necessary by the publisher/ Bank/ RBI, including publishing the name as part of wilful defaulter’s list from time to time, as also use for
KYC information verification, credit risk analysis, or for other related purposes. (j) Informed me/us that Equated Monthly Installments
(EMI) will be due on 7 / 15/ of every month. ( Strike out which is not applicable) (k) Informed & explained me/us all the charges and terms
and conditions mentioned overleaf. (l) Informed me/us that the Bank will send the Welcome Letter and Repayment schedule to me/us
on the e-mail ID mentioned by me/us in the loan application. In addition, informed to me/ us Welcome letter and Repayment schedule is
also available on www.hdfcbank.corn under Net Banking login choosing Option for Retail Loan customers and I/we will request for a
physical copy of Welcome letter and Repayment schedule if need be.
MOST IMPORTANT TERMS AND CONDITIONS

The charges are exclusive of terms and conditions which are as follows
(a) Borrower's loan will be a Reference Rate Linked loan (Presently the “Marginal Cost of Funds based Lending Rate of the Bank
(MCLR) or Policy Repo Rate” is the reference rate (“Reference Rate”)) applicable on per annum basis as per condition precedent
and in the schedule. Borrower shall be liable to pay the Pre-EMI i.e. the interest on the Loan payable for the period starting from the
respective date/ date(s) of the Loan up to the date from which the interest becomes payable as part of the EMIs. (b) The rate of
interest is subject to revision in terms of the Loan Agreement/ Overdraft Agreement to be executed by the Borrower and is subject to any
higher rate that may be prevailing at the time of disbursement. The Interest Rate applicable as on the date of this MID is mentioned
hereinabove and shall be subject to change everytime the Reference Rate is changed/ is reset by the Bank in its discretion. The change
in the Interest Rate shall become effective on each date of change in/ reset of the Reference Rate. The Borrower shall keep itself
informed of such reset of Reference Rate from time to time. The Reference Rate may also be available on the official website of the
Bank. The Bank shall in its absolute discretion or as per the guidelines/ directions/ rules/ regulations/ law issued/ notified by the Reserve
Bank of India and/or any other statutory or regulatory authority and any other law in force including but not limited to, any tax law or
based on the changes in the prevailing Reference Rate be entitled to modify the Interest Rate (including Spread), and the Borrower
agree and confirm to pay interest as per such modified Interest Rates on the Loan and related amounts on and from the date of such
modification. In any event the Borrower shall keep himself/ themselves informed of all such variations/ revisions in the Interest Rate. (c)
Payment of interest / charges / upfront fees and commitment charges/ dues / obligation / impost / levies / applicable tax / duties / other
charges shall be made by the borrower without any deduction / protest / delay. Interest and other charges shall be computed at the rate
of 365 day per year. Bank at its discretion may modify the basis of year and periodicity of the interest or applicable rate of interest. Such
changes shall be binding on the borrower. Borrower is responsible to check with the bank changes in the rate from time to time. (d) The
payment can be made through Cheques, Bank Drafts, Standing Instruction, and ECS on or before the due dates. Borrower has to
ensure adequacy of funds in the bank account from which the payment is made, credit shall be given only on realization of funds. In the
event of payment being made at any branch other than the concerned branch, borrower shall immediately inform the concerned Bank
branch in writing. (e) The Bank may at its absolute discretion permit prepayment of the Loan/ Overdraft Facility or any part thereof
where: (a) the Borrower serves at least 15 days’ written notice of its/ his intention to prepay at the Concerned Branch; (b) only after
expiry of 6 months/6 EMIs from the respective date of disbursement of Loan/ availing of Overdraft Facility; and (c) subject to such
conditions as the Bank may prescribe subject to applicable law and regulations, including payment of the prepayment charges as
mentioned in the Schedule hereto or as specified from time to time by the Bank. Foreclosure charges shall be applicable in case the
Loan/ Overdraft Facility is allowed to be foreclosed at the request of the Borrower and at the absolute discretion of the Bank and
foreclosure shall take effect only when entire Outstanding Balance has been paid to and realized by the Bank. (f) The borrower shall
allow the representative / nominee of the Bank to visit and inspect the premises / property comprising the security and shall submit the
compliance / audited document like Balance sheet / profit and loss account / quarterly results / Bank statement / statement of income or
wealth and such other copies / document as may be required by the Bank. The Borrower shall not enter into changes / amendment /
alteration / modification without a written permission from the Bank. (g) Borrower has agreed to give the PDC / SI / ECS for the
repayment of loan and is fully aware of the fact that dishonor of Cheque / revoke of SI / ECS instruction is a criminal offence under Law.
The borrower undertake to the Bank to honor all payment without fail and not to instruct his / her bankers to stop the payment of Cheque
/ revoke the SI / ECS instruction or instruct the Bank to withhold depositing the Cheque. (h) The borrower will not change the Name /
Constitution / close or change the banker from which PDC / SI / ECS have been drawn / mandated without a written permission of Bank.
Acknowledgement for Secured Loan Application - Mortgages

Name of the Applicant : ____________________________ M2015 SERIAL NO.

Date of Application : ______________________________
Location : ______________________________________ CONTACT US
To Obtain the status of your Loan Application, Please contact
Date & Time of Receipt: __________________________
our Phone Banking Numbers quoting the Application form No.
HDFC Bank Contact Person Name __________________ For Mumbai / Delhi & NCR / Bangalore / Chennai / Hyderabad
Contact No.: ____________________________________ / Ahmedabad / Pune / Kolkata : 6160 6161. For Chandigarh /
Bank's Stamp / Signature : _________________________ Jaipur / Lucknow / Indore / Cochin / Patna (and Bihar /
Jharkhand) : 6160 616
Application would be decisioned within 7 working days, and in cases which involve customer availability for completing a field
investigation or file search and valuation of a Property, within 25 days.

Page 8
 Annexure 1

To
HDFC Bank Limited,
HDFC Bank House,
Senapati Bapat Marg,
Lower Parel, Mumbai 400 013

Subject: Express Consents and Undertakings

I, the undersigned, declare, confirm and consent to HDFC Bank Limited (“Bank”) and its service providers, as under:

1) I hereby confirm that am a major and a resident of India and I have read and I hereby accept the Privacy
Policy of the Bank available at ______________.
2) I seek from the Bank various financial assistance, other products and services for which I may be found
eligible by the Bank from time to time, at any time in future, including after closure of any of my existing or
future relationships, accounts, products, facilities, loans, services with or from the Bank from time to time,
for which purpose I authorise the Bank to share any of my Information (as defined hereinafter) with any
credit information companies and obtain various scores, reports and information for determining my credit
worthiness from them, and accordingly to contact me or cross sell to me from time to time.
3) I hereby further expressly consent to and authorise the Bank (whether acting by itself or through any of its
service providers, and whether in automated manner or otherwise), to do and undertake any of the
following, in relation to my application details, personal data and sensitive information about me,
information, papers and data relating to know your customer (KYC), credit information, and any other
information whether about me or not as may be deemed relevant by the Bank for its purposes (collectively,
“Information”):
i) to collect the Information from me and other physical or online sources including accessing the same from
credit information companies, information utilities, websites, data bases and online platforms (whether
public or not); to get the authenticity, correctness, adequacy, etc. of the Information verified from any
sources and persons including from online data bases; and to act for and on my behalf for such accessing,
collecting or verifying of the Information including using my log in and password credentials on the online
platforms; such collection, access and verification may be done without any notice to me;
ii) process Information including by way of storing, structuring, organising, reproducing, copying, using,
profiling, etc. as may be deemed fit by the Bank;
iii) to store the Information for such period as may be required for contract, by law or for the Bank’s evidential
and claims purposes, whichever is longer;
iv) to share and disclose the Information to service providers, consultants, credit information companies,
information utilities, other banks and financial institutions, affiliates, subsidiaries, regulators, investigating
agencies, judicial, quasi-judicial and statutory authorities, or to other persons as may be necessary in
connection with the contractual or legal requirements or in the legitimate interests of the Bank or as per the
consent;
v) any of the aforesaid may be exercised by the Bank for the purposes mentioned above, for the purposes of
credit appraisal, fraud detection, anti-money laundering obligations, for entering into contract, for direct
marketing, for developing credit scoring models and business strategies, for monitoring, for evaluating and
improving the quality of services and products, for other legitimate purposes or for any purposes with
consent.
4) I expressly agree to and subject me to the automated processing, automated profiling and to the automated
decision making by or on behalf of the Bank.
5) I expressly agree to the Bank and/or its affiliates for using the Information and for cross-selling to me their
various products and services from time to time.

Name: ______________________

Signature: ______________________