PART - A 1

INDIVIDUAL HOUSING AND MORTGAGE APPLICATION FORM

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 AMUP AMUP

FIRST NAME SACHIN NIRMALA

MIDDLE NAME RAMESH SACHIN

CKYC NUMBER (IF AVAILABLE) ​ ​

MOTHER's MAIDEN NAME RATNAPRABHA RAMESH AMUP LATA KISHAN MANDLIK

FATHER'S / SPOUSE'S NAME FATHER'S NAME  SPOUSE’S NAME FATHER'S NAME  SPOUSE’S NAME

SURNAME AMUP AMUP

FIRST NAME NIRMALA SACHIN

MIDDLE NAME SACHIN RAMESH

†
CURRENT ADDRESS RELATIONSHIP WITH APPLICANT
WIFE
FLAT / DOOR / BLOCK NO. AT POST - UDAPUR, TQ JUNNAR A.P UDAPUR TAL JUNNAR
NAME OF PREMISES / BUILDING NAGAR KALYAN HIGHWAY ROAD, NAGAR KALYAN ROAD
ROAD / STREET THANE
AREA / LOCALITY NEARGRAM PANCHAYAT,UDAPUR NEAR GRAMPANCHAYAT UDAPUR
TOWN / CITY / VILLAGE PUNE PIN CODE# 412409 PUNE PIN CODE# 412409
DISTRICT PUNE THANE
STATE / UNION TERRITORY MAHARASHTRA MAHARASHTRA
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 [Link] STD CODE ​ ​
MOBILE NO. 8208702926 9284260960
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) SACHINAMUP82087@[Link] AMUPNIRMAL92842@[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 30/10/1988 Age 37  M F T 19/12/1988 Age 37 M  F T
MARITAL STATUS Single  Married Others NO. OF

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

DEPENDANTS
​ Children ​ Others

PAN NO.# BBMPA6448J Applied for Y N BBGPA4690E Applied for Y N

UID / AADHAR NO. XXXXXXXX2941 XXXXXXXX3788
RELIGION HINDU SC ST OBC HINDU SC ST OBC
OCCUPATION Employed  Self employed Professional BUSIN… (pls specify) Employed Self employed Professional HOME… (pls specify)

QUALIFICATION/EDUCATION HIGHER SECONDARY BACHELOR OF COMMERCE

MONTHLY INCOME  60000 ​
OTHER INCOME  ​ Source ​ ​ Source ​
(Please mention the address of the office you are based at / operating from)
EMPLOYER / BUSINESS
NAME AND ADDRESS NISHANT HUNDEKARI AND TRANSPORT AND TRADING C… HOMEMAKER
FLAT / DOOR / BLOCK NO. ​ ​
NAME OF PREMISES / BUILDING AT POST UDAPUR ​
ROAD / STREET
AREA / LOCALITY TQ -JUNNAR NEAR GRAMPANCHAYAT ​
TOWN / CITY / VILLAGE PUNE ​

DISTRICT PUNE ​
STATE / UNION TERRITORY MAHARASHTRA ​
PIN CODE# 412409 ​
PHONE NO. WITH STD CODE ​ ​
E-Mail ID(Official) ​ ​
YRS. IN PRESENT OCCUPATION 13 Yrs Retirement Age ​ Total Experience 13 Yrs ​ Yrs Retirement Age ​ Total Experience ​ Yrs

DEPARTMENT ​ EMPLOYEE NO. ​ EMPLOYEE NO. ​

DESIGNATION PROPRIETOR IN A PROPRIETORSHIP FIRM ​
*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

Applicant Co-applicant

PERMANENT ADDRESS † Please Tick if same as current address

FLAT/DOOR/BLOCK NO. MAHATMA JOTYIBA FULLY MARG, KALWA

NAME OF PREMISES /BUILDING NAVIN VASTI, KALWA

ROAD/STREET SUKUR PARK NEAR THANE

AREA/LOCALITY
TOWN / CITY / VILLAGE THANE THANE CITY

DISTRICT THANE THANE

STATE / UNION TERRITORY MAHARASHTRA MAHARASHTRA

PINCODE# 400605 400605

CONTACT NO. 8208702926 9284260960

NAME (Occupied By )
RELATIONSHIP WITH APPLICANT/ WIFE
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 ₹ : 3870000 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) 24/07/2026
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 sources to meet requirement of funds

Estimate of Requirement of funds
1. Plot cost ₹ ​ 7. Loan requested from HDFC Bank ₹ 3870000

2. Total purchase price /construction cost ₹ 4300000 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 ₹ ​ 11. Family ₹ ​

(for Home Equity Loan)
6. Loan outstanding (for refinance) ₹ ​ 12. Provident Fund (refundable / non-refundable) ₹ ​

A. Total requirement of funds (Total) ₹ ​ 13. Other (specify.....................................) ₹ 430000

Amount already spent ₹ ​ B. Estimate of sources of funds (Total) ₹ 4300000

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
Particulars
 
Savings in Bank ​ ​
Immovable Property - 1. ​ 1. ​
location & current value
2. ​ ​ 2. ​ ​
Current balance in
Provident Fund (your share) ​ ​
Other Assets (specify) 1. ​
1. ​
Life Insurance Policy(ies) 2. ​ ​
2. ​ ​
Sum Assured Maturity 1. ​ Maturity
1. Dates
Dates Maturity
2. Maturity 2. ​
Dates Dates

LOANS AVAILED / PROPOSED

Important: Non disclosure / false declaration can lead to rejection/cancellation of your loan application.

Name of the Institution Loan Type Outstanding Amount Monthly Instalment Payable Bal. Term
  (Months)

Applicant: ​

​ ​ ​ ​ ​
​ ​ ​ ​ ​
Co-applicant:

BANK ACCOUNT DETAILS (PLEASE MENTION DETAILS OF YOUR SALARY ACCOUNT / MAIN ACCOUNT INCASE SELF EMPLOYED)
(1) Name of Account Holder NISHANT HUNDEKARI AND TRAN AND TRAD CO

Name of Bank : HDFC BANK LTD

Branch :
Account No. : 50200067435314 MICR Code

A/c Operated Since : IFSC Code HDFC0004328

(2) Name of Account Holder

Name of Bank :
Branch :
Account No. : MICR Code

A/c Operated Since : IFSC Code

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. FLAT -703 Floor 7TH Nature of property Residental Commercial

Name of Premises / Building WING - ATLANTIC C , THANEKAR CIVIC Area of Plot ​ Sq. m.

Road / Street GAT NO 133/2CHIKHLILI, TQ AMBARNATH , DIST - THANE Built-up area* 58 Sq. m.

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

Taluka / Sub-Division ​ Is your property

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

State / Union Territory MAHARASHTRA PIN CODE(Including Pin is mandatory) 421503

1) a) How many residential properties do you own ? Applicant Co-applicant Jointly (with other applicants)
b) 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. Which office of HDFC Bank would you like your loan to be serviced CHAKAN
5. Please select the mode of repayment convenient to you:
(a) Standing instructions to bank (NACH/eNACH) (b) Deduction of monthly instalment by your employer

REFERENCES (Names and Addresses of Two Referees who are not related to you) HDFC Bank may make such enquiries from the referees if it deems necessary.
Referee - 1 Referee - 2
REFEREE FULL NAME ATISH KISAN MUNDLIK TUSHAR SHANKAR SHINDE
How is the referee Neighbour
known to you?  Friend Colleague Neighbour  Friend Colleague

CURRENT / RESIDENTIAL ADDRESS

DINGORE, PUNE, MAHARASHTRA UDAPUR, PUNE, MAHARASHTRA

PUNE PUNE
TOWN / CITY / DISTRICT
PINCODE(Indicating PIN is mandatory) 412409 412409
​ ​
TELEPHONE NO.
8369739891 7758004777
MOBILE NO.
ATISH@[Link] TUSHARSHINDE@[Link]
E-MAILID
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 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/ 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. 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
13. I/We confirm that I/we have no insolvency proceedings initiated/pending against me/us nor have I/we ever been adjudicated insolvent.
14. 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
15. 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
16. 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.
17. 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.
18. 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.
19. 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.
20. 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 Months Bank Statement (Self attested) Latest 3 Months Salary Slips (Self attested)

Last 3 years ITR with computation of Income/certified Financials (Self/CA attested) GST Returns (if applicable Photo Copy of PAN CARD (Self attested)
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-refundable) Salaried / Self employed Professional
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 based Upto Rs. 3000/-
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 disbursement) Upto Rs. 500/-

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- Fixed Individual borrowers for Business Purpose- 2.5% (+Applicable Taxes) of the Principal Outstanding
rate loans : 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 its
Non Compliance of sanction / agreed Terms 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 for reference.
Scan QR Code
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 :

TSE Code Cheque No.

DSA Name: ​

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] 19-Jul-2026 07:06 PM

 10
VOLUNTARY CONSENT LETTER
1. In this Consent the following capitalized terms shall have the meanings assigned to them hereunder:
“Data” shall mean all personal data, sensitive personal data or information, transactional data, Derivative Data, any other information, etc., in relation to me/us,
including the following including in relation to past Products:
(a) know your customer (KYC)/anti money laundering (AML) data;
(b) information submitted while making any application or request to HDFC Bank for any Product;
(c) any transactional data generated during the relationship or as a result of any transaction, statements, entries, logs, in relation thereto;
(d) any information obtained/received by HDFC Bank from any other source;
(e) any Derivative Data.
“Derivative Data” shall mean any credit scores, credit information, behavioural projections, profiling, analytical results, reports (prepared by HDFC Bank internally
or other persons) including through any algorithms, analytics, software, automations, profiling etc., and whether such derivative is from the information collected
from me/us or in combination with any other information sourced from any other person, database or source whether by HDFC Bank or other persons. The process
of arriving at and generation of such Derivative Data involving or through any of the above sub-processes/methods, shall be referred to as “Derivation”.
“Specified Purposes” shall collectively mean, credit assessment, risk assessment, risk analysis, obtaining credit information reports, scores, scrubs, fraud checks,
fraud detections, fraud prevention, detecting and preventing crime including crime/ terror funding, detecting malpractices or discrepant documents or information,
prevention of misuse, assessment of credit worthiness, financial standing, due diligence, background check, physical and other inspections, verifications, obtaining
any reports for any of the above, KYC/ AML checks, customer service, monitoring, collections, default detection, default prevention, default investigation, recovery,
any legal proceedings, actions, enquiries, investigations, pursuing any remedies, enforcing rights, reporting including credit reporting, KYC reporting, default
reporting, filing, perfections etc., whether any of these are undertaken internally or through any credit information company, bureau, service provider, consultant,
vendor, agent, fintech entity, co-brand entity/partner, distributor, selling/ marketing agent, any partner, other player/ intermediary in any ecosystem of which we are a
part, TPAP (for whom we act as PSP bank), collaborator, co-lender, co-originator, merchant, aggregator, lead generator, sourcing entity, client, customer or other
person with whom we have a tie-up or contract for any products or services, person or through a combination of multiple options. Each of such credit information
company, bureau, service provider, consultant, vendor, agent, fintech entity, co-brand entity/partner, person, and their respective service providers, consultants,
vendors, etc is referred to as a “Processing Entity”.
“Product(s)” shall mean products, services and/or businesses of HDFC Bank/ of subsidiaries/ affiliates, or where HDFC Bank/ its subsidiaries/ affiliates distribute,
refer or act as agent or act as a sponsor bank or a PSP bank etc. in relation to any products or services (including where the initiation of any transaction is not
directly with HDFC Bank but is with a relevant Processing Entity like in case of a UPI transfer through a TPAP where the account is not with HDFC Bank but it is a
PSP bank), whether HDFC Bank is in direct relationship or indirect relationship through any other intermediary/ entity, vis-à-vis me/us, as also if I/we are an
authorised signatory or authorised person or representative of a non-individual applicant/ customer/ user of any services, whether direct or indirect.
The Products, which have been applied/ requested by or availed by, me/us (including where the initiation of any transaction is not directly with HDFC Bank but is
with a relevant Processing Entity like in case of a UPI transfer through a TPAP where my/our account is not with HDFC Bank but HDFC Bank is a PSP bank), shall
be referred to as “Requested Products”, and the Products (including any future products or services) other than the Requested Products, shall be referred to as
“Other Products”.
2. I have read, understood and hereby accept the Privacy Policy of HDFC Bank (available at [Link]).
3. I/we hereby authorize HDFC Bank (“Bank” which which expression shall be deemed to include its successors and assigns) to process, use, store, retain, share
with Processing Entities or collect from any Processing Entities or other databases, sources, persons/entities, the Data or any part thereof, for any of the Specified
Purposes:
i. in connection with assessment or processing of the application/ request for any Requested Product, or in connection with execution or furtherance of a
contract/ transaction, performance by HDFC Bank or me/us or any connected persons like guarantors, security providers, other intermediaries, of any contract
or part thereof or any regulatory or legal obligations in relation to any Requested Product availed or in pursuance thereof;
ii. for Derivation and sharing any Derivative Data (between HDFC Bank and any Processing Entity) in connection with the aforesaid purposes;
iii. contacting, establishing contact, whereabouts, including through email, postal address, telephone, social media, banners on applications/ electronic platforms,
notifications, website, premises of third parties/ other persons;
iv. deploying any analytics, automated processing, algorithms, robotics, profiling, encryptions, coding, anonymizations, etc., for any of the aforesaid.
4. I/we authorize the Processing Entities to process, use, store, retain, share with HDFC Bank or the other Processing Entities or collect from HDFC Bank, any other
Processing Entities or other databases, sources, persons/entities, the Data or any part thereof, for any of the aforesaid consented purposes.
5. For the purposes of aforesaid consents and authorizations, it shall be deemed that I/we have furnished all the Data separately under this consent.
6. I/we agree that the aforesaid consents/ authorizations for the aforesaid purposes shall survive beyond the validity of such application/ tenure of the Product/
consummation of any transaction.
I/we hereby authorize HDFC Bank to process, use, store, retain, share with Processing Entities or collect from any Processing Entities or other databases, sources,
7.
persons/entities, the Data or any part thereof, for any of the Specified Purposes for the Other Products and for:
a. conveying to, displaying or communicating with, marketing, selling, cross-selling to me/us, by HDFC Bank internally or externally, any Products and for such
purpose for assessing your credit worthiness or your eligibility through such means as feasible and for such activity sharing the Data with third parties,
including through or on HDFC Bank’s apps/ platforms, any other channel(s) of HDFC Bank, TPAP, service providers, agents, or otherwise through notifications,
emails or other means of communications, whether online or offline or telecommunications, the availability or eligibility or offer, whether in principle or
otherwise, of any of the Other Products, and for this purpose all authorisations mentioned in (i) to (iv) of 3 (a) above in relation thereto as if the same are in
relation to the Other Products. Yes  No
8. I/we authorize the Processing Entities to process, use, store, retain, share with HDFC Bank or the other Processing Entities or collect from HDFC Bank, any other
Processing Entities or other databases, sources, persons/entities, the Data or any part thereof, for any of the aforesaid consented purposes.
9. For the aforesaid consents, authorizations and purposes covered above, it shall be deemed that I/we have furnished all the Data separately under this consent.
10. I/we agree that the aforesaid consents/ authorizations for the aforesaid purposes shall survive beyond the validity of such application/ tenure of the Product/
consummation of any transaction.
I authorize HDFC Bank and its representatives to Call or SMS regarding Other Products. This consent overrides my registration for DNC/NDNC. Yes  No
11. The consents given or denied under this document do not limit any other consents obtained or given.

Applicant Name: Co-Applicant Name:

Signature:  Signature: 

Date: Date:

Place Place