PART - A 1

INDIVIDUAL HOUSING AND MORTGAGE APPLICATION FORM FOR

NON-RESIDENT INDIANS / PERSONS OF INDIAN ORIGIN / OCI
HDFC Bank Customer ID* ​
FILL ALL THE FIELDS IN CAPITAL LETTERS

Personal Details Applicant Co-applicant

TITLE MR.  MS. MRS. DR. CA MR. MS. MRS.  DR. CA

SURNAME B O
FIRST NAME SANOOP BINDUKALA
MIDDLE NAME ​
CKYC NUMBER (IF AVAILABLE) ​
MOTHER's MAIDEN NAME SUDHAMBIKA R OMANA AMMA
FATHER'S / SPOUSE'S NAME FATHER'S NAME  SPOUSE’S NAME FATHER'S NAME  SPOUSE’S NAME

SURNAME SB S
FIRST NAME ANJITHANAIR SASIDHARAN
MIDDLE NAME ​
†
CURRENT ADDRESS RELATIONSHIP WITH APPLICANT MOTHER IN LAW
FLAT / DOOR / BLOCK NO. FLAT NO 43 BUILDIN… PO Box No. W/O: SASIDHARAN 2/5, PO Box No. ​

NAME OF PREMISES / BUILDING 3965 RUWI THIRUVATHIRA,NEAR VILLAGE

ROAD / STREET OFFICE,KARIPOOR.P.O

AREA / LOCALITY MUSCAT POSTAL OFFICE,KARIPOOR.P.O
PIN CODE/ PIN CODE/
TOWN / CITY / DISTRICT MUSCAT ZIP CODE# 112 NEDUMANGAD ZIP CODE# 695541
STATE / UNION TERRITORY OMAN COUNTRY# OMAN KERALA COUNTRY# INDIA

CURRENT RESIDENCE IS Self owned  Family Rented Provided by Employer Self owned  Family Rented Provided by Employer

RESIDENCE ADDRESS Same as current address? Yes  No Same as current address?  Yes No
PHONE NO. ​ ​
WITH ISD / STD CODE
MOBILE NO. 96878339545 8113053038
WITH ISD / STD CODE
I/We confirm that above mentioned mobile number will be updated as my registered mobile in HDFC Bank records and all communication will be received on this number
E-Mail ID (Personal) SANOOPSN3@[Link] ​
I/We confirm that above mentioned email id will be updated as my registered email id in HDFC Bank records and all communication will be received on this email id

DATE OF BIRTH/GENDER 26/02/1987 Age 39  M F T 22/05/1971 Age 55 M  F T

MARITAL STATUS Single  Married Others
NO. OF

DEPENDANTS
​ Children ​ Others Single  Married Others
NO. OF

DEPENDANTS
​ Children ​ Others

PAN NO.# ​ Applied for  Y N ABXPO0194K Applied for Y N

OCI / PIO CARD NO. ​ ​
(IF APPLICABLE)

PASSPORT NO. H1591116 If others: Specify If others: Specify

TYPE OF VISA / CDC CDC  Employment Dependent Student CDC Employment Dependent Student

PASSPORT VALID UPTO 14/07/2035 VISA VALID UPTO 26/11/2026 D D M M Y Y Y Y VISA VALID UPTO D D M M Y Y Y Y
UID / AADHAR NO. ​ XXXXXXXX0247
RELIGION HINDU SC ST OBC HINDU SC ST OBC
OCCUPATION  Employed Self employed Professional ​ (pls specify) Employed Self employed Professional HOME… (pls specify)

QUALIFICATION/EDUCATION DIPLOMA IN COMPUTER SCIENCE LABORATORY RESEARCH SCIENCE

Source Amount Currency Source Amount Currency
MONTHLY INCOME SALARY 1675 OMR ​ ​
OTHER INCOME ​ ​ ​ ​ ​
(Please mention the address of the office you are based at / operating from)
EMPLOYER / BUSINESS
NAME AND ADDRESS
SITHARA INDUSTRIES LLC HOMEMAKER
FLAT / UNIT / BLOCK NO. SITHARA INDUSTRIE… PO Box No. ​ ​ PO Box No. ​
NAME OF PREMISES / BUILDING CR NO 165634 ​
ROAD / STREET
AREA / LOCALITY PO BOX 115 ​
PIN CODE/ PIN CODE/
TOWN / CITY / DISTRICT MUSCAT ZIP CODE# 115 ​ ZIP CODE#

STATE / UNION TERRITORY OMAN COUNTRY# OMAN ​ COUNTRY# ​

PHONE NO. WITH ISD / STD CODE ​ ​
E-Mail ID(Official) ​
E-Mail ID (HR Personnel) HR@[Link]
COMPANY WEBSITE ​
YRS. IN PRESENT OCCUPATION 2.8 Yrs Retirement Age 60 Total Experience 15 Yrs ​ Yrs Retirement Age ​ Total Experience ​ Yrs
DEPARTMENT HEAD OFFICE EMPLOYEE NO. 003 EMPLOYEE NO. ​
DESIGNATION MANAGER IT ADMIN
*For HDFC Bank Customers only #Mandatory Fields † Preferred Mailing address (  tick the appropriate box)
 2
DOCUMENT SUBMITTED

Applicant:
Other
PROOF OF Proof of possession Passport Driving
Voter ID ​
IDENTITY of Aadhar Number Licence
PROOF OF ​
ADDRESS
Co-applicant:
Other
PROOF OF Proof of possession Passport Driving Voter ID ​
IDENTITY of Aadhar Number Licence
PROOF OF ​
ADDRESS

PERMANENT ADDRESSI N INDIA† Applicant Co-applicant

Please Tick if same as current address

FLAT/DOOR/BLOCK NO. 3/425 OLD NO 18/428 W/O: SASIDHARAN 2/5,

NAME OF PREMISES /BUILDING KANJIRAMKONATHU VEEDU THIRUVATHIRA,NEAR VILLAGE OFFICE,KARIPOOR.P.O

ROAD/STREET KARIPPOR PO OFFICE,KARIPOOR.P.O
AREA/LOCALITY ​ ​
TOWN / CITY / VILLAGE THIRUVANANTHAPURAM PINCODE# 695541 NEDUMANGAD PINCODE# 695541

DISTRICT THIRUVANANTHAPURAM THIRUVANANTHAPURAM

STATE / UNION TERRITORY KERALA KERALA

CONTACT NO. 96878339545 8113053038
NAME (Occupied By ) ​ ​
RELATIONSHIP WITH APPLICANT/ ​ MOTHER IN LAW
CO-APPLICANT
#Mandatory Fields † Preferred Mailing address (  tick the appropriate box)

PAST EMPLOYMENT / BUSINESS DETAILS

Employer / Business details Designation From To Reason for change

Applicant ​ ​ ​
​

Co-applicant ​ ​ ​
​

LOAN REQUESTED TYPE OF LOAN

Amount ₹ : 20000000 Rate Option Fixed  Adjustable

Term : 20 Yrs

Signature
Your Monthly Expenditure ₹ : ​ of Applicant

Instalment you and co-opplicant (if any) can pay ​

to HDFC Bank per month ₹ :
 Home Loans House Renovation Loans Home Extension Loans
a) Sanctioned (Date) D D M M Y Y Y Y
When would you Home Equity Loans Plot Purchase Loans Commercial Property Loans
prefer your loan to be: b) Disbursed (Date) 31/05/2026
Top-up Loans Plot + Construction Loans HDFC Reach Loans

LOAN DETAILS
Purpose of Loan Construction Purchase  Resale Refinance Extension Renovation Equity Top-up

Estimate of Requirement of funds Estimate of sources to meet requirement of funds

1. Plot cost ₹ ​ 7. Loan requested from HDFC Bank ₹ 20000000
2. Total purchase price /construction cost ₹ 25000000 8. Savings from Bank ₹ ​
3. Incidental costs (if any) ₹ ​ 9. Disposal of investments ₹ ​
e.g. Stamp duty, Registration charges, etc. (fixed deposits / shares, etc.)
4. Other costs (please specify) ₹ ​
10. Sale of Property ₹ ​
5. Market value of property ₹ ​
(for Home Equity Loan)
6. Loan outstanding (for refinance) ₹ ​ 11. Family ₹ ​

A. Total requirement of funds (Total) ₹ ​ 12. Other (specify.....................................) ₹ 5000000

Amount already spent ₹ ​ B. Estimate of sources of funds (Total) ₹ 25000000

Note: ‘A’ which is the total requirement of funds, should equal estimate of sources, ‘B’ which indicates the sources from where the cost will be met.
It is important that you provide documentary proof of the sources from where the cost will be met in order to help us process your application faster.
 3

FINANCIAL INFORMATION
SAVINGS, INVESTMENTS, ETC
Applicant Co-Applicant

Amount Currency Amount Currency

Savings in Bank (India) ​ I N R ​ I N R
Savings in Bank (Overseas) ​ ​ ​ ​
Location/Type Value Currency Location/Type Value Currency
Immovable Property Location ​ Location ​ ​
Other Assets Location ​ Location ​ ​
Insurance Policy Cover Type ​ Type ​ ​

LOANS AVAILED / PROPOSED in India and Overseas Important: Non disclosure / false declaration can lead to rejection/cancellation of your loan application.
Name Of Institution Loan Type Outstanding Amount Monthly Instalment Payable [Link] (Months) Currency

Applicant:

Co-applicant:

BANK ACCOUNT DETAILS (PLEASE MENTION DETAILS OF YOUR SALARY ACCOUNT / MAIN ACCOUNT)
(1) Name of Account Holder SANOOP BHASKARAN NAIR SUDHAMBIKA SANOOP
Name of Bank BK MUSCAT SAOG
Branch MICR Code ​

Account No. 0378055342820015 IFSC Code ​

A/c Operated Since Type of Account  Overseas NRE NRO Indian Bank Account

(2) Name of Account Holder

Name of Bank
Branch MICR Code

Account No. IFSC Code

A/c Operated Since Type of Account Overseas NRE NRO Indian Bank Account

(3) Name of Account Holder

Name of Bank
Branch MICR Code

Account No. IFSC Code

A/c Operated Since Type of Account Overseas NRE NRO Indian Bank Account
Please  your NRE / NRO Account from which post dated cheques / standing instructions will be issued for repayment of loan.
DETAILS OF PROPERTY (TO BE PURCHASED/ CONSTRUCTED/ RENOVATED/ OFFERED AS SECURITY) (PLEASE COMPLETE AS APPLICABLE)
If the property has not yet been identified then the fields marked * are mandatory.

Type of Property: Flat Row House  Bungalow Shop Plot Office Hotel Others

Flat / Unit / Block No. / Plot No. WADR NO 8 KACHERI Nature of property Residental Commercial
Floor GROUND FLOOR
Name of Premises / Building DOOR NO 388/1A Area of Plot ​ Sq. m.

Road / Street NEDUMANGAD Built-up area* 315.87 Sq. m.

Land Mark / Post Office ​ Stage of Construction READY PROPERTY [100% READY]
Extension / Renovation
Area / Locality * THIRUVANANTHAPURAM

Taluka / Sub-Division ​ Is your property

Yes No
part of a planned layout?
Town / City /District* THIRUVANANTHAPURAM,THIRUVANANTHAPURAM

State / Union Territory KERALA PIN CODE(Including Pin is mandatory) 695541

1) a) How many residential properties do you own in India? Applicant Co-applicant Jointly (with other applicants)
b) How many residential properties do you own Overseas? Applicant Co-applicant Jointly (with other applicants)
c) No. of residential properties on which loans have been availed? Applicant Co-applicant Jointly (with other applicants)
2) Please indicate the end use of the property to be purchased / constructed  Self occupation Rental Investment
3) Have all the owners of the property applied for this loan application? Yes  No*
*Please use addendun form for other owners of the property
4) Is the legal title to the dwelling unit clear?  Yes No
5) Will HDFC be able to obtain first mortgage of the dwelling unit?  Yes No
6) Are there more than one co-applicants to this loan application Yes*  No If Yes, specify number ​
*Please use addendum form for more than 1 co-applicant
 4
GENERAL [APPLICABLE TO APPLICANT AND CO-APPLICANT (IF ANY)]
1. Have you or the co-applicant(s) earlier applied to HDFC for a loan? Yes  No
If yes, File / Loan A/c. No. 1. ​ 2. ​ 3. ​
2. Have you or your spouse given guarantee(s) for any borrower/s of HDFC? Yes No
If yes, File / Loan A/c. No. ​ (b) Name of borrower/s ​
3. What other security will you be able to provide? ​
4. Please select the mode of repayment convenient to you: Standing instructions to bank / (NACH/eNACH) Post dated cheques
5. Please indicate preferred HDFC office location for processing / servicing your application in India PALAKKAD

Applicant Co-Applicant

Are you citizen of India?  Yes No If No, citizen of ​ Yes  No If No, citizen of ​
Residential Status Resident  Non Resident PIO OCI  Resident Non Resident PIO OCI
Tax Jurisdictions ​ ​ ​
Country Name (If Tax Jurisdiction not India) Tax Identification No. (If issued by Jurisdiction) Country Name (If Tax Jurisdiction not India) Tax Identification No. (If issued by Jurisdiction)
Place of Birth Country of Birth Place of Birth Country of Birth

REFERENCES (Names and Addresses of two referees we are not related to you, of which one should be from India and the other from the city where you currently stay.)
Referee - 1 Referee - 2
REFEREE FULL NAME MAHENDRAN NEETHU
How is the referee Others
known to you?  Friend Colleague Others  Friend Colleague
CURRENT / RESIDENTIAL ADDRESS MAVELIKARA, KURIPOOR, KERALA MAVELIKARA, SOUTH STREET, KERALA

TOWN / CITY / DISTRICT ALAPPUZHA ALAPPUZHA

PINCODE(Indicating PIN is mandatory) 689511 690110
TELEPHONE NO. ​ ​
WITH ISD/STD CODE
MOBILE NO.
WITH ISD/STD CODE 9687991293 9526585923
E-MAILID MAHENDRAN@[Link] NEETHU3@[Link]

Declaration
1. I/We declare that 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 HDFC 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 anti-social purpose.
4. I/ We declare that I/we have not been in violation and shall not violate any provisions of the Prevention of Money Laundering Act, 2002 and Foreign Exchange Management Act, 1999 and / or
any applicable law, rules, guidelines and circulars issued by the Reserve Bank of India and/or any other statutory authority.
5. I /We authorise HDFC Bank to make any enquiries regarding my/our application, including with other finance companies/registered credit bureau.
6. HDFC Bank reserves the right to retain the photographs and documents submitted with this application and will not return the same to the applicant/s.
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.
8. I/We understand that the sanction of this loan is at the sole discretion of HDFC Bank and upon my/our executing necessary security (ies) and other formalities as required by HDFC Bank and no
commitment has been given regarding the same .
9. I/We authorise HDFC Bank to conduct such credit checks as it considers necessary in its sole discretion and also authorise HDFC 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 which may be in force from time to time.
10. I/We acknowledge that the upfront Processing Fees, administrative fee (Legal and Technical Fees), and any applicable taxes (collectively referred to as “Fees”) collected from me/us by the Bank at
the time of application or thereafter are strictly non-refundable under any circumstances, regardless of whether the loan is sanctioned, disbursed, modified, or rejected, or if the application is
withdrawn or cancelled by me/us for any reason whatsoever.
11. I/We am/are aware that HDFC Bank does not accept any payment in cash. No payment in connection with the loan processing, sanction, disbursement, prepayment and repayment of loan shall
be made to / in favour of any of HDFC Bank’s intermediaries or any third party (ies) in cash or bearer cheque or in any other manner whatsoever.
12. I/We shall pay all fees, charges and dues of HDFC by remittance from abroad through normal banking channels and/or out of the Non-Resident (External) Account/Non-Resident (Ordinary)
Account/ Foreign Currency Non-Resident (Bank) Account in India, and my/our own contribution towards the cost of the dwelling unit, as per guidelines of the Reserve Bank of India.
13. No discount/free gift or any other commitment whatsoever has been which is not documented in the loan agreement by HDFC Bank or any of its authorised representatives
14. I/We confirm that I/we have no insolvency proceedings initiated/pending against me/us nor have I/we ever been adjudicated insolvent.
15. Customer Declaration on relationship with HDFC Bank/Other Banks
(a) 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
(b) Is Applicant a director /Relative of Director, or Senior Officer of the Bank? Yes  No
(c) Is the Applicant of Firm/Company in which relatives of Director or Senior Officer of the Bank are interested 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. Politically Exposed Person (PEP) Declaration :
Politically Exposed Persons” (PEPs) are individuals who are or have been entrusted with prominent public functions by a foreign country, including the Heads of States/
Governments, senior politicians, senior government or judicial or military officers, senior executives of state-owned corporations and important political party officials.
Please tick Yes / No:
(a) Applicant PEP/Relatives and close Associate of PEP Yes  No
(b) Co Applicant PEP or Relatives and close Associate of PEP Yes  No
17. 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 HDFC Bank's discretion. HDFC 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.
18. I/We hereby declare and confirm if any detail or declaration made by me/us, if found to be false, then HDFC Bank will be entitled to revoke and/or recall the credit facility.
19. I/We hereby declare and confirm that any purchase by me/us of any insurance product is purely voluntary and is not linked to availing of any credit facility from HDFC Bank.
20. I/We hereby declare that the details furnished above are true and correct to the best of my/our 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.
21. I/We hereby consent to receiving information from Central KYC Registry through SMS/email on the above registered number / email address.

Date: D D M M Y Y Y Y

Place:
 Applicant’s Signature  Co-applicant’s Signature
Do not 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
 5

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 Six Months Bank Statement (a) Overseas (b) NRE / NRO Last Three Months Salary Certificate

Latest Income Tax Return Latest Credit Bureau Report (Overseas) Self attested copy of (a) Passport (b) Pan Card (c) PIO / OCI Card (d) Latest work permit
Proof of Identity (with expiry date if applicable) ​ (Specify) (Self Attested) Proof of Identity Number ​
Proof of Address (with expiry date if applicable) ​ (Specify) (Self Attested) Proof of Address Number ​

Photo Copy of Property Papers (Self attested) Loan Account Statements for Balance Transfer/Balance Transfer & Top up/Repayment/Retention Cases

KEY FACT SHEET INCLUDING STATEMENT OF CHARGES

Nature of Facility Term Loan Facility
Type of Interest Rate Floating Interest Rate linked to External Benchmark Lending Rate of the Bank ("EBLR") OR Floating Interest Rate linked
to Policy Repo Rate (Reference Rate)
External Benchmark Lending Rate (”EBLR”) of the
Bank / Policy Repo Rate (Reference Rate) as on date

Applicable Interest Rate (as on date) (% per annum) Reference Rate as on date (EBLR) / 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 / Bank Website / Press Release / Newspaper / Notice at the Branches / SMS
Housing Charges

Processing fee / Loan processing charge (non- Salaried / Self employed Professional
refundable) Upto 0.50% of the loan amount or Rs. 4,000/- whichever is higher, plus applicable
taxes.
For Self-Employed Non-Professionals:
Upto 1.50% of the loan amount or Rs. 5,000/- whichever is higher, plus applicable
taxes.
For NRI Loans
Upto 1.50% of the Loan amount or Rs. 4,000/- whichever is higher + applicable taxes
/ statutory levies and charges.
For Value Plus Loans
Upto 1.50% of the Loan amount or Rs. 5000/- whichever is higher + applicable taxes
/ statutory levies and charges.
For HDFC Reach Scheme
Upto 2.00% of the loan amount + applicable taxes / statutory levies.
Processing Fee is non-refundable.
Re-Appraisal Of Loan After 6 Months From Sanction (applicable for Salaried / Self employed Professional – Upto Rs. 3300/-
housing and non-housing) For Self-Employed Non-Professionals / NRI / Value Plus Loans / HDFC Reach Scheme – Upto
Rs.5000
Conversion of ROI from floating to fixed (who have availed EMI Upto Rs. 3000/-
based floating rate Personal Loans)*Please refer the RBI
[Link].99/08.13.100/2017-18 on “XBRL Returns
– Harmonization of Banking Statistics” dated January 04, 2018.”.

List Of Documents (For issuance of duplicate LOD post Upto Rs. 500/-
disbursement)
Photocopy of Documents Upto Rs. 500/-
Repayment Mode Change Charges Upto Rs. 500/-
Stamp Duty & Statutory / Regulatory Charges At actual
Incidental Charges At actual
Cersai Charges At actual (upto Rs.100/-)
Mortgage Guarantee At actual
Administrative Charges Upto Rs.5000/- plus applicable taxes
Other penal charges, if any
Non Compliance of sanction / agreed Terms Upto 2% charges per annum on principal outstanding for non compliance of agreed
terms upto its fulfillment - (Charged on monthly basis) Subject to a Max of Rs
50000/- for Critical security related deferrals Max of Rs 25000/- for other deferrals

Applicant's
Signature 
 6

Housing Charges

Conversion Fees/Charges For Home Loan, HL Top UP & Plot Equity loan (Switch to lower rate in Variable rate loans )
Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of
Conversion or Rs. 3000 (which ever is lower ) for 1st Conversion with charges. , for Subsequent
conversions charges would be Upto 0.50% of the Principal Outstanding and undisbursed
amount (if any) at the time of Conversion OR Rs 2000 ( which ever is lower ).
Switch from Combination rate home loan under fixed rate term/Fixed rate loan to Variable rate –
Upto 1.50% of the Principal Outstanding

Payment Return Charges Rs. 450/-

Premature closure charges • Adjustable Rate Loans (ARHL) and Combination Rate Home Loan (“CRHL”) during the period
of applicability of the Variable Rate of interest – Nil
• Fixed Rate Loans (“FRHL”) and Combination Rate Home Loan (“CRHL”) during the period of
applicability of the Fixed Rate of interest - 2% plus applicable taxes/statutory except when part
or full prepayment is being made through own sources

Property Document Retention charges Rs. 1000 per calendar month, after 2 calendar months from date of closure of all loans/facilities
linked to the collateral

Non-Housing Charges

Processing fee/Loan processing charge (Non- Maximum of 1% + GST of loan amount subject to minimum processing fees of Rs. 7500
refundable)

Annual Maintenance Charge (AMC) for Rs 5000

Features of Plus Current Account
Repayment Mode Changes Charges Rs.500/-
Repayment Schedule Charges Physical- Rs. 50/- per instance
Digital- Free
Cersai Charges for creation / modification of At actual (upto Rs.100/-)
security interest on collateral securities
Property Swapping /Partial Release charges 0.1% of the loan outstanding amount.
Min – Rs. 10,000/-. Max of Rs 25000/- per property

Document Retrieval Charges including LOD Upto Rs. 500/-

Stamp Duty & Statutory / Regulatory Charges At actual
Legal/Repossession & Incidental charges At actual
Conversion of ROI from floating to fixed(who Upto Rs. 3000/-
have availed EMI based floating rate Personal
Loans)*Please refer the RBI circular No.
[Link].99/08.13.100/2017-18 on
“XBRL Returns – Harmonization of Banking
Statistics” dated January 04, 2018.”.

Other penal charges, if any

Pre-Payment / Part Payment Charges: No prepayment charges shall be applicable for part prepayment once during a financial year
only if the amount being prepaid does not exceed 25% of the principal amount outstanding at
the time of such pre-payment. 2.5% (+) Applicable Taxes of principal outstanding being prepaid
if the amount being Prepaid is more than said 25%. Charges shall be applicable on the amount
in excess of said 25%. (subject to applicability as per conditions stated for Premature closure
charges). >60 months after date of last disbursement of the loan- NIL charges

Premature Closure Charges - floating rate 2.5% (+) Applicable Taxes of principal outstanding being prepaid.
loans: No prepayment/premature closure charges will be applicable for payments made post 60
months from the date of last disbursement of the loan.
NIL Pre-payment/Part-payment/Premature closure charges on floating rate term loan
sanctioned to individual borrowers with or without co-obligant(s)
NIL Pre-Payment /Part Payment & Premature closure charges on floating rate loans to Micro &
Small Enterprise (MSE) Certified borrowers
Bank reserves the right to ask the documentary proof of source of funds for closure request of
loan.

Premature closure / Foreclosure charges- Individual borrowers for Business Purpose- 2.5% (+Applicable Taxes) of the Principal
Fixed rate loans : Outstanding
Individual borrowers for End Use other than Business Purpose- NIL Charges.
Non-Individual borrowers - Maximum of 2.5% (+Applicable Taxes) of the Principal Outstanding.
> 60 months after date of last disbursement of the loan- NIL charges.
Nil Prepayment charges on fixed rate loans if loan is booked under priority sector lending and
Borrower(s) type is Small or Micro & Loan amount is less than or equal to Rs. 50 lacs
 7

Non-Housing Charges

Payment Return Charges Rs 450+ GST

Non utilization charges for overdraft If average quarterly utilization > 30% No commitment fee charges to be charged. If average
facility/Commitment quarterly utilization < 30% Charges upto 0.10% will be charged on the difference between the
charges actual utilization and expected average utilization of 30%. Charges to be levied quarterly.
(Minimum charges Rs 5000/-+GST)

Property Document Retention charges Rs. 1000 per calendar month, after 2 calendar months from date of closure of all loans/facilities
linked to the collateral
Revision in Spread Charges Upto 0.1% of Principal Outstanding OR Rs. 3000 whichever is higher Per proposal
Upto 2% charges per annum on principal outstanding for non compliance of agreed terms upto
Non Compliance of sanction / agreed Terms its fulfillment - (Charged on monthly basis)
Subject to a Max of Rs 50000/- for Critical security related deferrals
Max of Rs 25000/- for other deferrals

Date: D D M M Y Y Y Y

Place:
 Applicant’s Signature  Co-applicant’s Signature

Applicable for Housing and Non-Housing Loans

Own Sources: *the expression "own sources" for this purpose means any source other than borrowing from a Bank/HFC/NBFC or
Financial Institution.
The Borrower will be required to submit such documents that HDFC may deem fit & proper to ascertain the source of funds at the
time of prepayment of the loan.
1. All the above charges/fees/Commissions are exclusive of taxes. All government taxes are applicable.
2. 10% discount to senior citizens on all the service charges
3. Service charges/Fees/Commissions may be revised with approval of Business Head in case of regulatory requirement.
4. NIL Premature Closure Charges /Foreclosure/ Prepayment Charges for Fixed rate loan facility up to Rs. 50 Lakh availed by Micro
& Small Enterprises.
5. NIL Processing Fees for loan facility up to Rs. 5 Lakh availed by Micro & Small Enterprises subject to URC submission prior to
disbursal
6. Interest rate of 18% p.a. will be levied on the amount utilized above the Operating Limit of overdraft facility. (Applicable for DOD
facility only).
7. Penal Charges will be realised on cash basis
8. Interest will be charged on unpaid EMI for the number of days EMI is late. This interest is calculated @
loan’s contracted rate and will be added to next EMI
9. The Borrower will be required to submit such documents that HDFC Bank may deem fit & proper to
ascertain the source of funds at the time of prepayment of the loan
10. Processing fee, administrative fee, stamp duty, cersai fee and all other charges are non refundable
In the event of default, the details of authorised associate to approach for recovery of dues will be intimated to
you through a payment reminder communication and any change in details would be intimated to you
thereon. List of authorised associates empanelled for handling collections are updated on the banks website Scan QR Code
for reference. for Bank’s
Fair Practice Code
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 / Bank Website / Press Release / Newspaper / Notice at the Branches
/ 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 [Link]
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 “EBLR” shall mean the percentage rate per annum declared or notified by the Bank as
‘External Benchmark Linked 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. (f) Informed me/us at 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 afore stated, 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. In case of rejection,
the Bank shall communicate the reason for rejection. (g) Informed me/us that loan application may be disposed by HDFC Bank
within 10 working days of receipt of the same subject to submission of all documents and details as may be required by HDFC Bank
in processing the Loan along with the requisite fees (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 assigns / 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 Instalments (EMI) will be due on 5 / 10 / 15 / 20 / 25 / 27 / last day 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 Offer Letter to me/us on the e-mail ID mentioned by me/us in the
loan application.
 8

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 “External Benchmark Lending Rate of the Bank (EBLR) 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 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 MITC is mentioned herein above
and shall be subject to change every time 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 NACH 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 premature closure of the Loan 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; and (b) subject to such conditions as the Bank may prescribe
subject to applicable law and regulations, including payment of the premature closure as mentioned in the Schedule hereto or as
specified from time to time by the Bank. Premature closure charges shall be applicable in case the Loan Facility is allowed to be
foreclosed at the request of the Borrower and at the absolute discretion of the Bank and Premature closure 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 / NACH for the repayment
of loan and is fully aware of the fact that dishonor of Cheque / revoke of SI / NACH 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 / NACH 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 / NACH have been drawn / mandated without a
written permission of Bank.

BANK USE ONLY

File No. : ​ SE Code ​ Fees :

Cheque No.
DSA Name: ​ TSE Code ​

DSA Code RM/Coex Code Date : D D M M Y Y Y Y

​ ​
Co-ordinator Code
Preferred HDFC Bank Office ​ ​
Drawn on Bank ​

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

PROMOTIONAL SCHEME ​ CRM NO.

CREDIT PROGRAM : ​

Exposure Type - Existing Fresh Pre Approved Internal Customer Balance Transfer Top up Enhancement
 9

Additional Information for Self-employed Customer (if applicable)

APPLICANT / ​
CO-APPLICANTNAME
COMPANY NAME ​

COMPANYADDRESS ​

COMPANY CONSTITUTION ​
PANNO.# ​

GST NUMBER ​

DIN/CIN ​

UDYOG AADHAR NO. ​

INDUSTRYCODE ​

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;
[Link]; 11. Architect; 12. Pharma & Medicine; 13. Cloth & Textiles; 14. Insurance Civil Contractor; 15. Real Estate & Builder; 16. Freight & Logistics; 17. Contractor/Franchisee;
[Link]; & Promotion; 19. Chemicals ; 20. Jewellery & Ornaments; 21. Iron & Steel; 22. Others : ​ Please Specify

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

Constitution
entity (Partner/Director etc.) (FY ________ in Rs.) (FY ________ in Rs.) (FY ________ in Rs.)

Total

D e cl a r a t i o n R e g a rd i n g J o i n t Ve n t u r e s / W h o l ly O w n e d S u b s i d i a r i e s a b ro a d fo r e n t i t i e s i n w h o s e n a m e t h e f a c i l i t y i s b e i n g s o u g h t .

(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)

PSL Agri Farm Credit: Farmers engaged in Agricultre and PSL Housing: i) Loans to individuals for purchase/
Allied activities viz. dairy, fishery, animal husbandry, poultry, construction of a dwelling unit per family
bee-keeping and sericulture ii) Loans to individual for repairs to damaged dwelling units

PSL Agri Ancillary Activities: Food and Agro processing, PSL Social Infrastructure: Loans for i) setting up schools,
Custom Service Units managed who maintain a fleet of drinking water facilities, sanitation facilities, and ii) loans for
tractors,bulldozers, well-boring equipment, threshers, building health care facilities including under ‘Ayushman
combines, etc., and undertake farm work for farmers on Bharat’ in Tier II to Tier VI centres
contract basis.

PSLAgri Infrastructure: Loans for I) construction of storage PSL Renewable Energy: Bank for purposes like solar based
facilities including cold storage units designed to store agri power generators, biomass-based power generators, wind
produce/products, ii) oil conservation and watershed mills, micro-hydel plants and for non-conventional energy
development, iii) Plant tissue culture and agri-biotechnology, based public utilities
seed production, production of bio-pesticides, bio-fertilizer,
and vermi composting. iv) Construction of oil extraction/
processing units for production of bio-fuels, their storage and
distribution infra along with loans for setting up Compressed
Bio Gas plants.

PSL MSME

Classification as per Udyam Registration Certificate Business Activities (please specify)

Micro I) engaged in Manufacture or production of goods:

Small
ii) engaged in providing rendering of any Services:

Medium
iii) Wholesale and retail trade:

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 

This application form generated through IP Address [Link] 26-May-2026 06:00 PM

 10

VOLUNTARY CONSENT LETTER

Applicable for Non-Resident Indians

1. I/We, the undersigned (collectively “Borrower” which expression shall unless the context otherwise requires, include its successors, heirs, legal representatives,
liquidators, surviving partners, members, as may be applicable) hereby acknowledge that the HDFC Bank Limited (“Bank” which expression shall unless the
context otherwise requires, include its successors, novates and assigns) may require my/ our information for the purposes of:
(a) availing the loan;
(b) managing and administering my/our accounts, policies, benefits or other products and services as may be availed by me/ us from the Bank;
(c) ensuring diligence checks, verification and/ or authentication such as performing credit checks/ credit scoring for the purposes of assessment of my/ our
credit risk profile, security, for complying with the applicable laws and regulations on fraud management and money laundering;
(d) verification of my/ our bank account details and consequent processing for enabling disbursements by the Bank to me/ us and for repayments by me/ us to
the Bank;
(e) informing me/ us about the schemes/ programmes vis-à-vis the loan availed;
(f) extending any benefits by the Bank under the various schemes/ programmes announced and directed by any authority and/ or regulator from time to time;
(g) legitimate business interests of the Bank; and
(h) complying with the extant applicable regulatory and/ or statutory mandates.

2. I/We accordingly give my/our voluntary, unequivocal and specific consent to the Bank for:
(a) seeking and/ or receiving any information (including Personal Data as defined below) in connection with the aforesaid purposes from me/us and/ or any
source or person or entity who has been authorized by me/us to furnish, disclose and/ or share such information with the Bank in this regard;
(b) transferring/ transmitting my/our Personal Data as may be collected from me/us to the Bank's offices in India for purposes of carrying out processing for itself
and for third parties in the ordinary course of business.
3. I/We understand, agree and acknowledge I/we shall not be entitled to withdraw the consent given under this Consent Letter (other than for the exclusions set out in
Paragraph 4) except to the extent permitted by applicable law. Further, in the event I/we withdraw my/our consent given under this Consent Letter, the Bank shall be
entitled to immediately cancel/ terminate/ recall the loan and demand repayment of all dues in connection with the loan.
Further, on full and final repayment of the loan, the Bank shall be required to purge all my/our Personal Data, unless the retention of the same is statutorily
mandated.

4. Further, upon availing the loan, I/We hereby additionally provide my/our voluntary, unequivocal and specific consent to the Bank to:
(a) process my/our Personal Data for the purpose of offering me/us any:

New financial products such as deposits;

Schemes/ programmes and/or any additional loans;

Customized products by combining my/our information available in public domain with the information provided under loan agreement and/or any other
documents executed/to be executed between me/us and the Bank;

and thereby conducting marketing activities including but not limited to running promotional activities, direct marketing including customer surveys,
sending communication by way of emails, telecalling, etc.; and

(b) share and/or transfer all my/our Personal Data with any other affiliates and/or agent of the Bank (operating in India and such other jurisdictions where the
Bank operates in), which may offer financial products or services, scheme/ programme to me/us. I/We agree and understand that such affiliate and/ or
agent may process my/our Personal Data and/ or contact me/us for offering financial products or services, scheme/ programme.
For the consent (s) given under this Paragraph 4, I/We shall have the ability to withdraw my/our aforesaid consent at any point in time by either addressing a written
communication to the Bank or sending an e-mail from my/our registered e-mail id to the indicated email ID of the Bank.
5. Further, in the event of withdrawal of consent in whole or in part as may be given for the purposes of Para 4, the Bank may, if so required, purge all my/our Personal
Data, unless statutory and/or regulatory mandates require the Bank to retain the Personal Data.
Additionally, in context of Para 3 and Para 4 above, I/we understand that the Personal Data as may be retained shall only be used by the Bank for the following
limited purposes:
• Internal policies; and
• Regulatory requirements.
6. I/We hereby acknowledge and agree that to give effect to the aforesaid purposes, I/We may be contacted by post, through telecall and text message and WhatsApp
or any other mode of communication on my/our registered mobile number, or by sending emails on the registered email id, social media, WhatsApp, fax, using its
online website or other means (but not in a way contrary to my/our instructions and/or the applicable law).
7. For the purpose of this Consent Letter, “Personal Data” shall mean all Personal Data/ information including but not limited to my/our name/s, residential address,
any contact details, date of birth, any financial data, data related to my/our immoveable/ moveable properties, employment details as well as any other identification
details as made available to the Bank, by me/us and/ or my/our behalf and such information as the Bank may have obtained or may obtain through my/our loan
application form, loan agreement, insurance and any other documents submitted to the Bank.
8. I/We hereby declare that any consent given to the Bank by any of the Borrower/s shall be deemed to be consent from all of us.

Applicant Name: Co-Applicant Name:

Signature:  Signature: 

Date: Date:

Place Place