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  • HDFC Bank Loan Against Securities is Rated as "Great!" by 15455 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    HDFC Bank Loan Against Securities

    This loan is provided to individuals against their held securities, instead of selling their shares when in need of finance. With this product an applicant can get finance with pledging their share and securities for finance from HDFC Bank. The securities can be equity shares, mutual funds, deposit certificates for gold, National Savings certificates, Kisan Vikas Patra, or Debentures that are non-convertible

    What is the eligibility criteria for HDFC Loan Against Securities?

    In order to apply for the HDFC Loan against Securities, the applicant needs to match the following criteria:

    • The applicant must be a resident of the country
    • The applicant can be Resident Indians, NRI, HUF, Sole Proprietorship, Partnership firm, Pvt. Ltd. Company for certain types of securities.
    Apply for Personal Loan

    What is the maximum amount of loan I can avail?

    The loan amount provided will be a minimum of Rs. 2, 00, 000/-

    What is the rate of interest on HDFC Loan against Securities?

    Product

    Interest Rate range

    Loan against equity securities

    10.15% - 13.95%

    Loan against debt securities

    9.45% - 13.00%

    What are the documents required for HDFC Loan against Securities?

    HDFC Bank Loan against Securities Documents required will be

    • Proof of identity
    • Signature proof
    • Proof of residence
    • In the case of HUF, Sole Proprietorship, Partnership firm, Pvt. Ltd. Company, a copy of the Balance Sheet, last 2 years Profit and Loss accounts, and IT returns for 2 years.

    What are the terms for HDFC Loan against Securities?

    1. Pre-payment charges will be allowed only post 6 months, and will be charged 2% will be charged if pre-closed before end of tenor.
    2. Processing fee of 1.00% of the loan amount or a minimum of Rs. 2000, and standard taxes and charges like stamp duty will be applicable as well.
    3. The loan amount will only be disbursed after the documents are submitted along with the pledge
    4. Pledging fees of up to Rs.5/- per NSC/KVP/Bond/Insurance Policy/MF Unit Certificate
    5. The margin requirement will be reviewed on a regular basis.
    6. The applicant will need to provide the bank with details on the change of job or home address if any.

    How do I apply for this loan?

    The application form can be downloaded from the website, but you will also need to visit the branch nearest to you with the form and related documents. You can also apply for this loan via net banking in 3 simple steps:

    1. Login to your net banking using your credentials.
    2. Click on the Demat tab, then click request
    3. Click on loan against securities, and select their shares from your Demat account.

    HDFC Bank Loan Against Securities Reviews

    • HDFC Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have been using personal loan with HDFC bank , it have been just six months only i have been applied for personal loan and there rate of interest and processing fee is nominal which they have charge me and even loan amount was sufficient to me .
      Was this review helpful? 2
      , kolkata
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      My experience is good by taking the personal loan with the HDFC BANK and i have been taken this loan from past 3 years, and they have charge nominal rate of interest up to 17% and even there processing fee is also nominal only, i have taken my loan amount up to 75,000 it is sufficient for me and there customer support team is good.
      Was this review helpful? 2
      , new delhi
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Very good service"
      0.5 4.5/5 "Excellent!"
      My personal loan application was approved with HDFC bank and the experience was good, the process took 1 week to complete and the response from the customer support was very good. The loan amount was for Rs 2 lacs with nominal interest rate and the tenure period was 3 years.
      Was this review helpful? 2
      , raikot
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Need to improve the services"
      0.5 4.5/5 "Excellent!"
      In compared to other banks, the process is very simple and easy in HDFC. The interest rates are little bit high and they have given me a interest rate of 16% last year. I have purchased this loan by last year however the processing time was good. I took the loan amount of Rs. 2.80 lakhs. I pay the EMI of Rs. 7800 for the tenure period of 4 years.
      Was this review helpful? 0
      , vellore
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Good loan experience"
      0.5 4.0/5 "Great!"
      Loan received on time from HDFC bank. According my eligibility they have said its 2.3 lakhs however they have provided only 1.6 lakhs. They have charged me a interest rate 21% and i have no idea about the processing fee. I am paying the EMI of Rs. 6800 and i have chosen the tenure period of 36 months. The amount will be auto debited from my account.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Good loan experience"
      0.5 4.0/5 "Great!"
      Loan received on time from HDFC bank. According my eligibility they have said its 2.3 lakhs however they have provided only 1.6 lakhs. They have charged me a interest rate 21% and i have no idea about the processing fee. I am paying the EMI of Rs. 6800 and i have chosen the tenure period of 36 months. The amount will be auto debited from my account.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "GOOD SERVICE"
      0.5 3.5/5 "Pretty good"
      The reason for taking the personal loan with the HDFC BANK is i am a existing customer of HDFC BANK. The loan amount is sufficient also the rate of interest is higher than the others. The process is simple to get the loan but it got delayed little.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Good in Service"
      0.5 5.0/5 "Blown Away!"
      There was an Loan application which i have forwarded to HDFC bank as i was looking for a personal loan. The process didn't took much time and it happened on time, There was a proper follow up and i have got the amount on time. Interest rates seems to be fine as now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "There is a hidden charges which is not acceptable"
      0.5 3.0/5 "Satisfactory"
      I have closed the perosnal with HDFC. I have purchased the loan in 2013 and i have closed the loan in 2015. I have chosen the payment of 1.75 lakhs. I was started using the payment through ECS. For first few months, they have deducted through cheque. For 1 year, they have not given any updated regarding the ECS deduction and they have charged some late fee charges. I have visited their branch and the response was okay but they have not ready to refund the money whatever they have charged.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been applied for personal loan with HDFC bank,the rate of interest they have charge me was nominal, processing fee they have charged me up to 2000-3000 it was nominal and the loan amount they have given me for 2,50,000 for 2 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been applied for personal loan with HDFC bank, they have charge rate of interest up to 11.25% it is 1% higher than compare to other bank and they have charge me processing fee up to 2500 + 5000 as insurance and they said insurance is mandatory to take if i take loan and there was delay in getting my loan amount like after getting approval it took 3-4 days to disbursed my loan amount.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been applied for personal loan with HDFC bank, they have charge rate of interest high it is around 14% which is high comparing to other bank and the processing fee they have charged me was nominal and i have been using this personal loan from one and half year, they provided me sufficient loan amount.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      It was a good experience with HDFC bank for personal loan, the process took normal time to complete. The rate of interest was nominal when compared to other banks and the loan amount was based on requirement. Customer service was good with HDFC bank and the tenure period for this loan is 4 years.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      My personal loan experience was good with HDFC bank, the loan amount was for Rs 4 lacs with 14.8% as interest rate which is very high and i have done balance transfer. I preclosed this loan 2 years back and the customer support was good in terms of response and follow up.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have holding my personal loan with HDFC bank for long time, the rate of interest they have charged me was nominal and processing fee was also nominal and i have not that much communicated with there support team , they provide less loan amount , overall service was average.
      Was this review helpful? 1
      , pune
      Reviewed on Nov 15, 2018
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 4.0/5 "Great!"
      I am running a personal loan with HDFC Bank. The total loan duration is 36 months and I have completed 14 months. The rate of interest was moderate.I am a prestigious customer of HDFC. I can do part payment and pre closure after 6 months. I am a KYC customer, its a paperless approval.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Nov 15, 2018
    • HDFC Bank Personal Loan
      "Good experience"
      0.5 3.0/5 "Satisfactory"
      I had a personal loan in HDFC Bank and it was completed before 4 months. It was a good experience. The rate of interest and charges are nominal. I took only 50K and I paid every month 1700 rupees for 4 years. The documentation process was very simple.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 15, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      Mt personal loan was taken with HDFC BANK , they gave tenure of 48 month . The service which has been provided through them while giving loan was too quick it took only few days to get loan . Loan amount is satisfactory . There is preclosure option too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan was taken with HDFC BANK , i do not have here part payment option apart from this i have preclosere option . Overall it has been a hassle free experience with the HDFC BANK . I got the loan with in 1 week. The processing fee charged by them is nominal .
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 15, 2018
    • HDFC Bank Personal Loan
      "Best service"
      0.5 4.0/5 "Great!"
      My personal loan was taken with HDFC BANK , the tenure period is 3year and they charge very nominal rate of interest and processing fee . They provide satisfactory loan amount . Customer support and their response is good and service is also up to the mark .
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 15, 2018
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