Multiple banks. Different interest rates. Call it a "conflict of interest".
Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • HDFC Bank Loan Against Securities is Rated as "Great!" by 14265 Users
    Personal Loan BYTES FROM OUR KITCHEN

    HDFC Bank Loan Against Securities

    Apply for Personal Loan

    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
      "Very Good"
      0.5 4.0/5 "Great!"
      I was in urgent need of loan due to my financial crisis. Where I got the proposed from HDFC bank to take my personal loan. I was in requirement of rs 4,00,000, they provided with rs 2,00,000 with 10-15 days of time. Interest rate was good in the market of 10.5% and the tenure was of 36 months.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 22, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The personal loan got approved within a week time from the HDFC bank service. The required loan amount has been given and I am satisfied with it. The rate of interest and the charges were very high with the HDFC bank, when compared with the other banks.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank executives came to my place to collect the documents on time. The promised loan amount was not disbursed . The customer support service was good with the HDFC bank. I got the loan amount within a week time . The rate of interest and the charges are high when compared with others.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The HDFC bank took around a week time to disburse the loan amount. The customer support was average with the HDFC bank. The Executives came to my place to collect the documents on time. I am satisfied with the loan amount. The rate of interest is nominal with HDFC bank.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 22, 2018
    • HDFC Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The rate of interest offer by Hdfc personal loan department is 13 % which is fine compared to others in the market. The documents procedure was very smooth they have collected all the documents from my door step and the customer support was good. It was a good experience dealing with HDFC.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • HDFC Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      HDFC personal loan department was good. The customer support was prompt. They had offered me a rate of interest of 11 % which was fine and the documents were collected from my door step.It was a good experience with Hdfc personal loan department.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 22, 2018
    • HDFC Bank Personal Loan
      "Average"
      0.5 4.0/5 "Great!"
      I just came to know the rate of interest what HDFC has offered me was low compared to others. I have taken 3L as a personal loan. The payment of 9,340 rupees will be auto debited from my account. The tenure period was 3 years. I had submitted my documents manually. I got msg saying loan was disbursed but I received the amount after one week.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2018
    • HDFC Bank Personal Loan
      "Best "
      0.5 4.0/5 "Great!"
      I got the personal loan with the HDFC bank and the rate of interest was around 13%. I would like to say that the customer service was better one with them and I got the disbursement after ten to twelve days of time from the date, when I have applied.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • HDFC Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The rate of interest quoted by Hdfc personal loan department is 11% which is good compared to others in the market. They offer me a loan amount of 1.3 lakhs and the process was very fast . The documents procedure was been easy and it was a good experience with Hdfc personal loan department.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • HDFC Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      It was good with HDFC Bank and I paid my first installment as well. They offered a nominal interest rate when compared to others. I have taken 5L and the monthly installment is 11,000 which will be debited automatically. The executive collected the documents at my office. The EMI duration is 3 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • HDFC Bank Personal Loan
      "Best service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with HDFC bank.The loan amount is two lakhs,rate of interest is high as compared to others.I submitted documents online and the EMI amount is 5875.They had disbursed the loan within the TAT,i would recommend to others.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 19, 2018
    • HDFC Bank Personal Loan
      "Need to reduce the interest"
      0.5 4.0/5 "Great!"
      I got the personal loan around a year ago from HDFC bank. I got the loan amount within 2 to 3 weeks of time. The customer support team is average with the HDFC bank . The rate of interest is very high with HDFC bank personal loan process, it is high when compared with others.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • HDFC Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I am having the personal loan with the HDFC bank and the interest rate is around 14% and the customer service is good one for me with them. Response is not really bad one to me. Customer service and other aspects are really good too with the HDFC bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan was taken with HDFC bank 1 year back. Its a pre approved loan and the loan amount was 70,000. The Interest rate was 14% which is average in the market. The loan process was excellent and with in 10 mins of time the whole process got over. Its a paperless documentation. My overall experience was good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2018
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my personal loan with HDFC bank. The loan amount was 1lakh and the Interest rate was 12.49% which is very high than other banks in the market. The tenure period was 1 year. The process was quite easy and they have provided door step service for collecting documents, My overall experience was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2018
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with HDFC bank 4 years back. The Interest rate was 12.5% which is average in the market.The customer service and responses was up to the mark., The loan process was good and the documentation was also simple and easy . The loan was approved on time and chargsea are nominal here.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2018
    • HDFC Bank Personal Loan
      "Average"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with HDFC Bank before one year. The tenure period is 4 years. The rate of interest was 13.5% which was nominal like others. The documents are submitted online and the executive came for the verification. They took more time to process the loan.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2018
    • HDFC Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The HDFC bank gave me good response in regards to my personal loan application. They have disbursed the loan amount within 5 working days. The customer support was prompt with the HDFC bank and their executive came to m,y place to collect the documents. The rate of interest and the charges were quite high when compared with others.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 18, 2018
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      The HDFC bank personal loan service was quite good and they gave good response in regards to my personal loan application. They have approved the loan amount of Rs,4,50,000. The customer support was good with the HDFC bank and the rate of interest and the charges are high with the HDFC bank.
      Was this review helpful? 0
      , madurai
      Reviewed on Jan 18, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken personal loan from HDFC bank and the loan experience was good. The loan amount was for Rs 80000 with the rate of interest of 13% which is high when compared to all other banks. This was preapproved loan so no much documents were required and i received my loan amount within a day. Customer service was good and they responded on time. They charged 1% as processing fees and the tenure of this loan is 2 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
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