Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 1 HDFC Bank Loan Against Securities

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 19.8% Fixed
    Up to 2% One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews

    HDFC Bank Loan Against Securities is Rated as "Great!" by 12811 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN
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    Overview about HDFC 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.

    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.
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  • HDFC Bank Loan Against Securities Reviews

    • HDFC Bank Personal Loan
      "Charges are high"
      0.5 3.0/5 "Satisfactory"
      I did not take the personal loan from HDFC bank. As an old customer of HDFC bank, I should prefer HDFC bank for the loans but I preferred Capital first because the interest rate is very high with HDFC bank. Not only the rate of interest, processing fees and other charges also high.
      Was this review helpful? 0
      , surat
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Recommandable prodcuts"
      0.5 3.0/5 "Satisfactory"
      Though I don't have relationship with HDFC they gave me good response, I have reached the bank for the personal loan. They came and collected the documents its under process. HDFC lowers interest among all other banks and processing fee is also nominal as per the market.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Average Service"
      0.5 2.0/5 "Expected more"
      Due to some personal issues I haven't proceed with HDFC bank personal loan. The banking service is very good with HDFC bank. The response is good with HDFC bank. The rate of interest is nominal with HDFC bank. I got average service from HDFC bank.
      Was this review helpful? 0
      , varanasi
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Interest rate and charges should be reduced"
      0.5 3.0/5 "Satisfactory"
      I am not okay with HDFC interest rate, they gave me the offer of 17% on personal loan, but other bank offered me 13.10% of interest it is least. Hence I have my processed my loan with some other bank. Communication part is also not upto the mark, they should work on it.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "SATISFACTORY"
      0.5 4.0/5 "Great!"
      My personal loan is from HDFC Bank and the services has not been up to the mark. They need to know how to handle a customer and how to communicate as well. The team has to be more professional. The interest rate and charges is not a concern but the services is not satisfactory 2.5 year before I have opted loan of 1 lakh ROI they have offered me 18.16% initially they have told me that rate of interest will be 14% but later they said nothing can be done.
      Was this review helpful? 0
      , jalandhar
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Response part should be improved"
      0.5 1.0/5 "Really Bad"
      I was looking for personal loan but so far I didn't get response from HDFC, even no body turned up to collect the documents. I was expecting the call within turn around time but it doesn't work out. So before I approach some other bank, if HDFC contacts me soon that would be great.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Its Better"
      0.5 4.0/5 "Great!"
      I have taken loan from RBL bank, because HDFC process was very slow and also they didn't give proper response to me. HDFC gave me the interest rate of 14.25% but in RBL they offered me 14% of interest for the personal loan. Hence I didn't process my loan with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Average Service"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank takes too of much time, they are taking longer than normal time,to process the personal loan application, so that was the reason I haven't got the loan from HDFC bank. The rate of interest which was about to offer by HDFC bank was high.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Its good but loan process should be more flexible"
      0.5 3.0/5 "Satisfactory"
      I am not compromised with HDFC terms and condition on personal loan. First of all there are no part payment option and also there are some charges applicable for the foreclosure as well as they have high processing fee for loan disbursement. Hence I processed the loan with some other bank. I would like to suggest them, at least they should waive off the preclsoure charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Good"
      0.5 3.5/5 "Pretty good"
      I have taken a personal loan earlier from HDFC Bank and the process for the loan was good. I did not have that much of hassles to get my loan through. The services was good enough when compared to the credit card experience. The interest rate and processing charges are normal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "No preclosure charges"
      0.5 4.0/5 "Great!"
      A good thing about HDFC bank is, there is no preclosure and part payment charges for the personal loan. This is the most appreciable thing and I felt more comfortable with HDFC bank. Interest rate is nominal like other banks. And HDFC customer service is always the best.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Below Average service"
      0.5 2.0/5 "Expected more"
      The Interest rate which I was seen in the online portal is different and they have approved the loan for different interest rate. I have asked them to close the loan application,then they were asking me the reason why I haven't go with loan. The transparency need to improved with HDFC bank.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I received my personal loan from HDFC Bank and the experience is excellent. The customer support team has done a great job, they were on time in contacting me and informing me the details and the documents were also collected on time. The interest rate and processing charges was a good deal. I got a rate of around 10%.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has been good in the personal loan services. It was an awesome experience as the loan was disbursed on time and I got the loan as needed. The interest rate was of 11.10% and the processing charges was normal. The after loan services are smooth.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Perfect service"
      0.5 4.0/5 "Great!"
      In the year of 2013 I got the personal loan from HDFC bank . The service with HDFC bank is very good. They took around 10 days to disburse my loan. The required loan amount has been approved and I happy with it. The rate of interest is high when compared with others. I am satisfied with the HDFC bank service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Customer's friendly process"
      0.5 4.0/5 "Great!"
      Its a good experience with HDFC, they collected my documents on time. Since I am an existing of the bank they processed my loan within three working days. I got the interest rate of 11.49% for the principal amount of Rs. 8 lakhs but I already taken 3 lakhs hence they processed it for Rs.5 lakhs, it got credited.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Need improvement in services"
      0.5 2.0/5 "Expected more"
      HDFC Bank has not been beneficial for the personal loan as well. They offered me a very high rate of interest and the processing charges. The process was also not very convenient when compared to the other banks. The after loan services has not been good too.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      HDFC Bank offered me Personal loan with 14% rate of interest and I am okay with that. The loan process was really good and I got my loan sanctioned with 10 to 15 days and the processing charges charged by them was 2000rs its normal and I am satisfied with their service
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Customer's friendly"
      0.5 5.0/5 "Blown Away!"
      I already taken loan from HDFC, but first time when I applied personal loan through online channel my loan application got closed because there was no proper response. Then again I visited to the HDFC bank, they processed my loan within ten years with normal documents. I am very fine with HDFC, because I am an existing customer of the bank around nine years.
      Was this review helpful? 0
      , warangal
      Reviewed on Aug 16, 2017
    • HDFC Bank Personal Loan
      "Looking for the better offer"
      0.5 1.0/5 "Really Bad"
      I am not happy with HDFC rate of interest and the charges, HDFC offered me around 11.5% of interest and with the processing fee around Rs.4500 for the principal amount of Rs. 2.5 lakhs, I am fine with that, even I have requested them to reduce but they denied it.
      Was this review helpful? 0
      , noida
      Reviewed on Aug 16, 2017
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