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A study on HDFC
Bank Ltd Loans
Submitted to:
Ms. Urvashi Verma
Lecturer (ASB)
Submitted by:
Apoorva Mitra (B20)
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Introduction
The Housing Development Finance Corporation Limited (HDFC) was amongst the first to
receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the
private sector, as part of the RBI's liberalisation 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 January 1995.
Vision
To build a World-Class Indian Bank.
Mission
Use Enabling Technology to provide valued added products and services to customers. The
objective is to build sound customer franchises across distinct businesses so as to be the
preferred provider of banking services for target retail and wholesale customer segments, and
to achieve healthy growth in profitability, consistent with the banks risk appetite. The bank
is committed to maintain the highest level of ethical standards, professional integrity,
corporate governance and regulatory compliance. .
Core Values
HDFC Banks business philosophy is based on four core values - Operational Excellence,
Customer Focus, Product Leadership and People.
Business Areas
The bank has three key business areas:
1.Wholesale Banking Services
Here our target market is primarily large, blue-chip companies and to a lesser extent,
emerging mid-sized corporates. For these corporates, we provide a wide range of services,
including working capital finance, trade services, transactional services, cash management,etc. We are a leading provider of structured solutions, which combine cash management
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services with vendor and distributor finance, for facilitating superior supply chain
management for our corporate customers. We are also recognised as a leading provider of
cash management and transactional banking solutions to mutual funds, stock exchange
members and banks.
2. Retail Banking Services
The objective of the Retail Bank is to provide our target market customers a full range of
financial products and banking services, giving the customer a one-stop window for all
his/her banking requirements. The products are backed by world-class service and delivered
to the customers through the growing branch network, as well as through alternative delivery
channels like ATMs, Phone Banking, Net Banking and Mobile Banking.
3. Treasury Operations
Within this business, the bank has three main product areas -
a). Foreign Exchange and Derivatives,
b). Local Currency Money Marketc). Debt Securities and Equities.
With the liberalization of the financial markets in India, corporates need more sophisticated
risk management information, advice and product structures. These are provided through the
bank's Treasury team. The Treasury business is responsible for managing the returns and
market risk on the bank's investment portfolio.
Awards:
AWARDS RECEIVED IN THE YEAR 2010The Banker and PWM 2010
Global Private Banking Awards
Best Private Bank in India
Economic Times Awards for
Corporate Excellence 2010
Business Leader of the Year - Mr. Aditya Puri
Forbes Asia Fab 50 Companies 5th year in a row
NDTV Business Leadership
Awards 2010
Best Private Sector Bank
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The BankerMagazine World's Top 1000 Banks
MIS Asia IT Excellence Award
2010
Best Bottom-Line I.T. Category
Dun & Bradstreet Banking
Awards 2010
Overall Best Bank
Best Private Sector Bank
Best Private Sector Bank in SME Financing
Institutional Investor Magazine
Poll
HDFC Bank MD, Mr. Aditya Puri among "Asian Captains
of Finance 2010"
IDRBT Technology 2009 Awards Winner - 1) IT Infrastructure 2) Use of IT within the Bank
Runners-up - IT Governance (Large Banks)
ACI Excellence Awards 2010 Highly Commended - Asia Pacific HDFC Bank
FE-EVI Green Business
Leadership Award
Best performer in the Banking category
Celent's 2010 Banking Innovation
Award
Model Bank Award
Avaya Global Connect 2010 Customer Responsiveness Award - Banking & Financial
Services category
Forbes Top 2000 Companies Our Bank at 632nd position and among 130 Global High
Performers
Financial Express - Ernst &
Young Survey 2009-10
Best New Private Sector Bank
Best in Growth
Best in strength
Asian Banker Excellence Awards
2009
Best Retail Bank in India
Excellence in Automobile Lending
Bank M&A Integration
Technology Implementation
The Asset Triple A Awards Best Cash Management Bank in India
Euromoney Private Banking and 1) Best Local Bank in India (second year in a row) 2) Best
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Wealth Management Poll 2010 Private Banking Services overall (moved up from No. 2 last
year)
Financial Insights Innovation
Awards 2010
Innovation in Branch Operations - Server Consolidation
Project
Global Finance Award Best Trade Finance Provider in India for 2010
2 Banking Technology Awards
2009
1) Best Risk Management Initiative and 2) Best Use of
Business Intelligence.
SPJIMR Marketing Impact
Awards (SMIA) 2010
2nd Prize
Business Today Best Employer
Survey
Listed in top 10 Best Employers in the country
Loans
Home Loans
HDFC Bank brings, HDFC home loans to your doorstep. Over 3 decades of exclusive
experience, a dedicated team of experts and a complete package to meet all your housing
finance needs, HDFC Home Loans, help you realize your dream.
The HDFC Advantage
Pioneers of Housing Finance in India with over 33 years of lending experience.
Widest range of Home Loan Products.
Most experienced and empowered personnel to ensure smooth & easy processing.
Counseling and advisory services for acquiring a property.
Loan from any office for purchase of home anywhere in India
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Loan approval even before a property is selected
Flexible loan repayment options
Free & safe document storage.
Home Loans Features & Benefits
Home Loan - Home loans for individuals to purchase (fresh / resale) or construct houses.
Application can be made individually or jointly. HDFC finances up to 80% of the cost of
the property (including the cost of the land) based on the repayment capacity of the
customer.
Home Improvement Loan - The interiors of any home reflect the personal preferences
and tastes of its owners making it imperative to constantly upgrade to keep up with
changing times. HIL facilitates internal and external repairs and other structural
improvements like Painting, Waterproofing and Roofing, Plumbing and Electrical Works,
Tiling and Flooring, Grills, Aluminum Windows compound walls and much more. HDFC
finances up to 85% of the cost of improvement. This is however subject to 80% of market
value as assessed by HDFC.
Home Extension Loan - HEL for adding more space to your existing home for meeting
the requirements of your growing family be it an extra bedroom for your children, areading room for yourself or a cozy coffee corner. It is easy to extend your home anyway
you like. HDFC finances up to 85% of the cost of extension. This is however subject to
80% of market value as assessed by HDFC.
Land Purchase Loan - Be it land for a dream house, or just an investment for the future,
HDFC Land Purchase Loan is a convenient loan facility to purchase land. HDFC finances
up to 80% of the cost /value 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 as Partly
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 not
affect your family's interests and your precious home. LCTAP provides a lump-sum
payment on the unfortunate demise of the life assured.
This pure risk plan is designed in a way that the cover decreases as you repay your home
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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 to
repay your Home Loan EMIs directly from your HDFC Bank Savings Account, thus,
saving you the trouble of procuring, signing and tracking post-dated cheques.
HDFC also offers In-house scrutiny of Property documents for your complete peace of
mind.
Customer privileges - If you are an existing HDFC Home Loan customer, you can
avail of other loans (such as Personal Loans, Car Loans, Two-wheeler Loans and Loan
against securities) at lower interest rates.
Home Loan PLR for Floating rate Loans
Home Loan PLR for floating rate loans has been changed since 2008 as follows
1st July 2008 0.75% + Increase
1st August 2008 0.75% + Increase
1st December 2008 0.50% - Decrease
Net Effect 2008 1.00% + Net Increase of 1.00% has been applied w.e.f 1st
December 2008
6th August 2009 0.25% - Decrease of 0.25% w.e.f September 09 EMI
30th March 2011 0.25 + Increase of 0.25% w.e.f May'11 EMI
12th July 2011 0.25 + increase of 0.25% w.e.f Aug'11 EMI
Home Loan Fees & Charges
Description of Charges Ecbop Home Loan
Foreclosure charges No prepayments allowed in first 6 months
6 months - 5 years - 1.5% of original loan amount
5 years -10 years - 0.75% of original loan amount
> 10 years - No closure fee
For Gold Category
6 months - 5 years - 2% of original loan amount
http://www.hdfcbank.com/personal/loans/personal_loans/personal_loans.htmhttp://www.hdfcbank.com/personal/loans/new_car_loans/new_car.htmhttp://www.hdfcbank.com/personal/loans/two_wheeler_loans/two_wheeler.htmhttp://www.hdfcbank.com/personal/loans/loan_against_securities/loan_securities.htmhttp://www.hdfcbank.com/personal/loans/loan_against_securities/loan_securities.htmhttp://www.hdfcbank.com/personal/loans/new_car_loans/new_car.htmhttp://www.hdfcbank.com/personal/loans/two_wheeler_loans/two_wheeler.htmhttp://www.hdfcbank.com/personal/loans/loan_against_securities/loan_securities.htmhttp://www.hdfcbank.com/personal/loans/loan_against_securities/loan_securities.htmhttp://www.hdfcbank.com/personal/loans/personal_loans/personal_loans.htm8/2/2019 A Study on HDFC Bank Ltd
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> 5 years - No closure fee
eBOP customers :
Loan repaid from own sources - no FC chargesLoan repaid from other sources - regular FC charges.
Charges for late payment of
EMI2% per month
Cheque swapping charges Rs 500/-
Bounce Cheque Charges Rs. 500/-
Duplicate Statement Charges
(per statement)Rs 100/- per page, Maximum Rs 300/-
Issue of Duplicate Provisional
Interest CertificateRs. 300/-
Issue of Duplicate Interest
CertificateRs. 300/-
Duplicate Balance Certificate Rs. 300/-
Issue of Amortization Schedule
(Duplicate)Rs. 300/-
Switch from Variable to Fixed Not Applicable
Switch from Fixed to Variable Not Applicable
Photocopy of Documents Rs. 500/-
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Car Loan
Features & Benefits
Covers the widest range of cars and multi-utility vehicles in India.
Avail 100% finance on your favourite car**
Loan repayment tenure ranging from 12 to 60 months.
Borrow up to 3 times your annual salary (for salaries professionals) and 6 times your
annual income (for self employed professionals)*.
Speedy processing - within 48 hours.
Repay with easy EMIs
Attractive car loan plans - To fastrack your loan, just choose the plan that is right for
you.Attractive interest rates
Hassle-free documentation.
Customer Priviledges
If your an HDFC Bankaccount holder, we have special rates for you.
If you have a Preferred Account or a Corporate Salary Account with HDFC Bank
for more than 6 months, you can get fast approvals on your loans with minimal
documentation.
If you are an HDFC BankCar Loan customer with a clear repayment of 12 months
or more we can Top-Up your car loan to the extent of the original loan value.
Fastrack loan with attractive car loan plans
Auto Loan Takeover Plan
If you are a salaried individual holding any of the credit cards mentioned below, your loan
gets processed faster.
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Requirements:
Facility is available to only HDFC bank account holders (CASA).
All terms and conditions applicable for the used car product are applicable for the
Loan take over product.
Minimum 9 month old loan with any approved Financier with clear repayment track
record
Advantage platinum Credit Card Plan
If you are a salaried individual holding any of the credit cards mentioned below, your loan
gets processed faster.
HDFC Bank International Credit Card
Citibank Gold
Citibank Diners
HSBC Gold
ANZ Grindlays Gold
American Express Gold Card
American Express Charge Card
Standard Chartered Gold
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.
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.
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100% Loan Plan with Fixed Deposit Lien
This allows you to take a loan against your deposit at HDFC Bank.
You can get a loan for 100% of the invoice value amount with the required margin placed
as a fixed deposit in HDFC Bank.
Lien is marked on the specified deposit. Installments can be paid separately or out of the
deposit (if deposit is large enough).
NRILoans
NRIs can avail of new car loans from HDFC Bank for the use of the vehicles by their
relatives in India. Additional documents required are as follows :
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.
Past re-payment history
Plan for customers who have taken a car loan and have repaid that loan fully without any
outstandings.
Credit approval on the basis of past re-payment record.
ApprovalPlan
If you have an HDFC Bank Preferred Account or a Corporate Salary Account with HDFC
Bank for more than six months, you can get fast approvals on your loans with minimal
documentation
Eligibility & Documentation
SalariedIndividuals
Eligibility Criteria:
Minimum age of Applicant: 21 years
Maximum age of Applicant at loan maturity: 58 years
Minimum employment: 1 year in current employment and minimum 2 years of
employment
Minimum Annual Income: Rs 100000 net annual income
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Telephone: Must at residence
Documents required:
Proof of Identity:- Passport copy, PAN Card, Voters Id car, driving
licence( Laminated, Recent, Legible)
Income Proof:- Latest salary slip with form 16.
Address Proof:- Ration card/Driving licence/Voters card/passport copy/telephone bill/
electricity bill/Life insurance policy PAN Card.
Bank Statement:- Not mandatory
SelfEmployed
Eligibility Criteria:
Minimum age of Applicant: 21 years
Maximum age of Applicant at loan maturity: 65 years
Minimum employment: Atleast 3 years in business
Minimum Annual Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000
p.a. for mid-sized and premium cars
Telephone: Must at residence
Documents required:
Proof of Identity:- Passport copy, PAN Card, Voters Id car, driving licence(
Laminated, Recent, Legible)
Income Proof:- Latest ITR
Address Proof:- Ration card/Driving licence/Voters card/passport copy/telephone bill/
electricity bill/Life insurance policy PAN Card
Bank Statement:- Waived for small cars, for mid - sized and premium cars if income
Is greater than Rs. 1.5 lacs then bank statement requirement can be waived.
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PartnershipFirms
Eligibility Criteria:
Minimum Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000 p.a. formid-sized and premium cars
Minimum turnover: Turnover Rs. 4.5 lacs
Telephone: One phone at least at business and at residence of the loan executing
partner
Documents required:
Proof of Identity:- NA
Income Proof:- Audited balance sheet, Profit & Loss Account for latest two years and
the latest 2 years IT returns of the company
Address Proof:- Telephone Bill/Electricity Bill/Shop & Establishment Act
certificate/SSI registered certificate/Sales Tax certificate
Bank Statement:- Waived for small cars, for mid - sized and premium cars if income
Is greater than Rs 1.5 lacs then bank statement requirement can be waived
PrivateCompany
Eligibility Criteria:
Minimum Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000 p a for
mid-sized and premium cars
Minimum turnover: Turnover Rs 4.5 lacs
Telephone: One phone at least at business premises
Documents required:
Proof of Identity:- NA
Income Proof:- Audited balance sheet, Profit & Loss Account for latest two years and
the latest 2 years IT returns of the company
Address Proof:- Telephone Bill/Electricity Bill/Shop & Establishment Act
certificate/SSI registered certificate/Sales Tax certificate
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Bank Statement:- NA
PublicCompany
Eligibility Criteria:
Minimum Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000 p a for
mid-sized and premium cars
Minimum turnover: Turnover Rs 4.5 lacs
Telephone: One phone at least at business premises
Documents required:
Proof of Identity:- NA
Income Proof:- Audited balance sheet, Profit & Loss Account for latest two years
Address Proof:- Telephone Bill/Electricity Bill/Shop & Establishment Act
certificate/SSI registered certificate/Sales Tax certificate
Bank Statement:- NA
Best Guide to Car Segments and Funding
SegmentEx-Showroom
Value (In lac)Funding % Examples
A:Mini
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Sonata, Skoda Laura, Superb,
Passat, Jetta, Teana, Fiat 500
D+: Luxury 25.0+ 75-85Mercedes, BMW, Audi, Porche and
all other imported
MUV 2.20+ 75-90Omni, Innova, Xylo, Scorpio,
Tavera, Bolero, Victa, Safari
SUV 14.0+ 75-85
CR-V, Endeavour, Pajero,
Montero, X-Trail, Prado, Tucson,
Captiva, Grand Vitara, Mitsubishi
Outlander
Funding range is indicative. Pre-approved customers could get up to 100% ex-showroom
funding in segments A-D.
Loan for SMEs
At HDFC Bank we understand how much of hard work goes into establishing a successful
SME. We also understand that your business is anything but "small" and as demanding as
ever. And as your business expands and enters new territories and markets, you need to keep
pace with the growing requests that come in, which may lead to purchasing new, or updatingexisting plant and equipment, or employing new staff to cope with the demand. That's why
we at HDFC Bank have assembled products, services, resources and expert advice to help
ensure that your business excels.
Our solutions are designed to meet your varying needs. The following links will help you
identify your individual needs.
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Funded Services
Funded Services from HDFC Bank are meant to directly bolster the day-to-day working of a
small and a medium business enterprise. From working capital finance to credit substitutes;
from export credit to construction equipment loan - we cater to virtually every business
requirement of an SME. Click on the services below that best define your needs.
Working Capital Finance Commercial Vehicle financeConstruction Equipment Loan Short Term FinanceMedical Equipment Finance Healthcare Project FinanceBill Discounting Credit SubstitutesExport Credit Structured Cash Flow FinancingReal Estate Initiatives
Non-Funded Services
Under Non-Funded services HDFC Bank offers solutions that act as a catalyst to propel your
business. Imagine a situation where you have a letter of credit and need finance against the
same or you have a tender and you need to equip yourself with a guarantee in order to go
ahead. This is exactly where we can help you so that you don't face any roadblocks when it
comes to your business. The following are the services that will precisely tell you what we
can do.
Business Accounts HDFC Bank TradeLetters of Credit GuaranteesCollection of Documents Cash Management ServicesForex Desk Money Market DeskDerivatives Desk Services to Employee TrustsServices to Cash Surplus Corporates Tax CollectionBankers to Rights/Public Issue
Specialised Services
HDFC Bank is one of the most trusted entities when it comes to specialised services like
selling of precious metals to customers. Under specialised services you can also avail
customised control of your value chain through our internet banking platform.
Precious Metals Channel Financing
Value Added Services
There is a plethora of services that we offer under value added services. There's corporate
salary account which ensures smooth payment methods to your staff. You can avail an
http://www.hdfcbank.com/wholesale/sme/funded_services/working_capital_finance/Working_Capital_Finance.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/commercial_vehicle_finance/Commercial_Vehicle_finance.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/construction_euipment_finance/Construction_Equipment_Loan.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/short_term_finance/Short_Term_Finance.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/medical_equipment_finance/medical_equipment_Finance.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/healthcare_project_finance/healthcare_project_finance.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/bill_discounting/Bill_Discounting.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/credit_substitutes/Credit_Substitutes.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/export_%20credit/Export_Credit.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/short_term_finance/Short_Term_Finance.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/real_estate_initiative/Real_Estate_Initiatives.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/business_account/Business_Accounts.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/hdfc_bank_trade/HDFC_Bank_Trade.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/letters_of_credit/Letters_of_Credit.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/guarantees/Guarantees.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/collection_of_document/Collection_of_Documents.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/cash_management_services/Cash_Management_Services.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/forex_desk/Forex_Desk.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/money_market_desk/Money_Market_Desk.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/derivatives_desk/Derivatives_Desk.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/services_to_employee_trust/Services_to_Employee_Trusts.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/services_cash_surplus/Services_to_Cash_Surplus_Corporates.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/tax_collection/Tax_Collection.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/bankers_rights/bankers_to_rightspublic_issue.htmhttp://www.hdfcbank.com/wholesale/sme/specialised_services/pecious_metals/Precious_Metals.htmhttp://www.hdfcbank.com/wholesale/sme/specialised_services/channel_financing/Channel_Financing.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/working_capital_finance/Working_Capital_Finance.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/commercial_vehicle_finance/Commercial_Vehicle_finance.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/construction_euipment_finance/Construction_Equipment_Loan.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/short_term_finance/Short_Term_Finance.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/medical_equipment_finance/medical_equipment_Finance.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/healthcare_project_finance/healthcare_project_finance.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/bill_discounting/Bill_Discounting.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/credit_substitutes/Credit_Substitutes.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/export_%20credit/Export_Credit.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/short_term_finance/Short_Term_Finance.htmhttp://www.hdfcbank.com/wholesale/sme/funded_services/real_estate_initiative/Real_Estate_Initiatives.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/business_account/Business_Accounts.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/hdfc_bank_trade/HDFC_Bank_Trade.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/letters_of_credit/Letters_of_Credit.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/guarantees/Guarantees.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/collection_of_document/Collection_of_Documents.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/cash_management_services/Cash_Management_Services.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/forex_desk/Forex_Desk.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/money_market_desk/Money_Market_Desk.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/derivatives_desk/Derivatives_Desk.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/services_to_employee_trust/Services_to_Employee_Trusts.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/services_cash_surplus/Services_to_Cash_Surplus_Corporates.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/tax_collection/Tax_Collection.htmhttp://www.hdfcbank.com/wholesale/sme/non_funded_services/bankers_rights/bankers_to_rightspublic_issue.htmhttp://www.hdfcbank.com/wholesale/sme/specialised_services/pecious_metals/Precious_Metals.htmhttp://www.hdfcbank.com/wholesale/sme/specialised_services/channel_financing/Channel_Financing.htm8/2/2019 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assortment of credit cards and debit cards from our merchant services.
The following are the highlights of this service:
Real Time Gross Settlement Corporate Salary AccountsReimbursement Account Merchant ServicesCustody Services HDFC Bank Business Platinum Credit CardHDFC Bank Business Gold Credit Card
Internet Banking
Internet banking is a revolutionary service under the banking sector and HDFC Bank is a
forerunner in providing you with this service. We provide state-of-the-art payment gateway
services to industries and companies in order to ease transaction processing. This in turn
enhances the credibility of your business and makes banking extremely cost-efficient.
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