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  • HDFC Bank Loan Against Securities is Rated as "Great!" by 14711 Users

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    HDFC Bank Loan Against Securities

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    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.

    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 till date"
      0.5 5.0/5 "Blown Away!"
      I bank with HDFC Bank for the credit card and the offers and limit is good. I am able to access the card all over. There are no charges taken for the card. There are benefits like the cash back and rewards. It has been a good experience till date and I am happy with the services.
      Was this review helpful? 0
      , arrah
      Reviewed on May 26, 2018
    • HDFC Bank Personal Loan
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with HDFC Bank and the rate of interest is of 13.99% and the processing fee is of 2400. The document collection was delayed and after the paper work was taken I got the loan after two days. I got the loan amount as needed.
      Was this review helpful? 0
      , arrah
      Reviewed on May 26, 2018
    • HDFC Bank Personal Loan
      "High on ROI and charges"
      0.5 3.0/5 "Satisfactory"
      It is good experience with HDFC Bank as they collected the documents at the door step. The process was on time and I got it in 15 days. But the rate of interest is on the higher side it is of 15.5% and the processing charges was extremely high, it is of 17K.
      Was this review helpful? 0
      , raebareli
      Reviewed on May 26, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The overall loan experience had been very good and satisfactory. I have taken this loan for marriage purposes, the process has took more time than usual. But the customer service had been good, the rate of interest was a little high but which was 13%.
      Was this review helpful? 0
      , thane
      Reviewed on May 26, 2018
    • HDFC Bank Personal Loan
      "Good bank"
      0.5 5.0/5 "Blown Away!"
      From HDFC bank i have taken a personal loan and the approved loan amount was 3.6 lakhs. The rate of interest was 10.99% with a monthly EMI of 7921. The total tenure was for 60 months. There was a processing fee of 4000 has been charged. Pre closure can be done after 1 year of the loan approved date.
      Was this review helpful? 0
      , kochi
      Reviewed on May 25, 2018
    • HDFC Bank Personal Loan
      "Interest rates are high"
      0.5 4.0/5 "Great!"
      I got the personal loan in HDFC 1 month before. They are offered me interest rate of 15.5%. The total processing fee along with the tax its come around Rs. 5000. I applied the loan for Rs. 1.29 Lakhs but i got the loan 1.23 in my hand. Tenure of the loan is 2 years. I used to pay the EMI of Rs. 6300. I got the loan within a day itself. Since i have salary account with HDFC, i don't give any of my documents. Interest rates has to reduced.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2018
    • HDFC Bank Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has done a good job for me for the personal loan. The rate of interest is normal and the processing charges are of 1%. The customer services are good and the documentation is also taken on time. The loan disbursed was as needed. Satisfactory overall.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2018
    • HDFC Bank Personal Loan
      "Good bank for loan"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from HDFC bank and the approved loan amount was 3.5 lakhs. The rate of interest was 12 %.The monthly EMI comes around 7000 for a tenure of 5 years. The do have a foreclosure facility were the charges will be 3 to 4% of the outstanding loam amount.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2018
    • HDFC Bank Personal Loan
      "Timely Service"
      0.5 5.0/5 "Blown Away!"
      It is getting late to connect to the customer care. They are offering a 10% interest rate. I got a loan of Rs. 2.4 lakhs. They have charged around 5000 as processing fee. I used to pay the EMI of Rs. 5400 every month. Tenure of the personal loan for 5 years. I took this loan in 2017. I got the loan through one of the agency.
      Was this review helpful? 0
      , chennai
      Reviewed on May 25, 2018
    • HDFC Bank Personal Loan
      "Good. Can do better in the ROI"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from HDFC bank and the process was smooth and easy to get the loan through. The documentation was minimal and I got the loan with ease. The rate of interest and processing charges are on the higher side when compared to the other banks.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2018
    • HDFC Bank Personal Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I took a personal loan from the HDFC bank for 3.25 lacs. Being an employee the whole application process was very easy and hassle free. The whole process too just days and got the loan approved instantly. It was a fast and easy loan experience.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2018
    • HDFC Bank Personal Loan
      "Unhappy with the services"
      0.5 2.5/5 "Just OK"
      I have taken a personal loan from HDFC Bank earlier. It was not a satisfactory experience, a lot of documents was required and the process was not smooth. The rate of interest and processing charges is also on the higher side when compared to the other banks.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2018
    • HDFC Bank Personal Loan
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      The experience is very good with HDFC Bank. I have taken a personal loan. The first emi has been deducted and they been supportive to collect the documentation. The rate of interest is around 11.5%, though I am not too sure of it. The processing fees was very low.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 24, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with HDFC bank 4 years back. The loan amount was 4.14 lakhs .The interest rate was 12.995 which is bit high than other banks. The customer service and responses was really good.My overall experience was satisfactory so Its recommendable.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2018
    • HDFC Bank Personal Loan
      "Process is good. ROI is high"
      0.5 4.0/5 "Great!"
      It was a good experience with HDFC Bank for the personal loan. The customer services and response is good and there were no issues I faced. I got the loan within 10 days. The rate of interest is high, it is around 17% and I am not sure on the processing fee. I have taken a loan amount of 2.38 lakhs for the tenure of four years.
      Was this review helpful? 0
      , purnia
      Reviewed on May 24, 2018
    • HDFC Bank Personal Loan
      "Average experience"
      0.5 3.0/5 "Satisfactory"
      It was not a up to the mark experience with HDFC Bank for the personal loan. The documentation process was not taken at one go. I had to keep resubmitting my paper work. The rate of interest is on the higher side, it is around 17%. The process for the loan was done in eight days.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2018
    • HDFC Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a personal loan with HDFC Bank earlier and it was a average experience. I would suggest that the bank has to improve on the overall services and the interest rate and processing charges is also on the higher side when compared to the other banks.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2018
    • HDFC Bank Personal Loan
      "EXCELENT"
      0.5 5.0/5 "Blown Away!"
      The over all experience is very good. When it comes to the interest rate it is high the interest rate is 15.05%. MY INSURANCE is for 3 years, and i have to pay it for 3 years i would be paying for my loan through on line I am satisfied with the limit that they are provided in my loan.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2018
    • HDFC Bank Personal Loan
      "Not up to the mark"
      0.5 1.0/5 "Really Bad"
      The experience at HDFC Bank was not up to the mark. I had taken a personal loan. They were no transparent in the process and what ever they spoke to me regarding the charges was not consistent. I was charged extra at the end and they have no been able to clarify the same with me. Initially the interest rate was around 13.5% to 14% and finally they have processed the loan for 14.5%.
      Was this review helpful? 0
      , darbhanga
      Reviewed on May 22, 2018
    • HDFC Bank Personal Loan
      "Good overall"
      0.5 4.0/5 "Great!"
      It was a good experience with HDFC Bank for the personal loan. I have got the loan within a week, they were quick to collect the documents and process the same. The rate of interest is around 10.99% and the processing charges is average. The loan amount disbursed is as per my requirement and it is for the tenure two years.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
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