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

    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 2.5% One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free 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 12336 Users

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    Promised Interest Rate

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    Personal Loan BYTES FROM OUR KITCHEN

    HDFC Bank Loan Against Securities

    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
      "Need to improve in services"
      0.5 1.0/5 "Really Bad"
      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.
      Was this review helpful? 2
      , bangalore
      Reviewed on May 25, 2017
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      HDFC Bank personal loan is fine, There is no drawback till now. There is no issues or challenges with them as such. They dint ask for too many documents for loan processing.The loan amount I have opted for 98 thousand and the rate of interest is 12.15% processing fee and charges 2400.
      Was this review helpful? 0
      , pune
      Reviewed on May 25, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The service was not bad with HDFC on my personal loan. They gave prompt response on my personal loan application. The interest rate was on the higher side. They took around 1 week to disburse my personal loan.I can say the whole Loan process just took a week time. Overall I am satisfied with the HDFC service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 25, 2017
    • HDFC Bank Personal Loan
      "Nice experience"
      0.5 4.0/5 "Great!"
      I had taken my personal loan from HDFC Bank and they followed up well on my application. When I was busy and have asked them to call me back, they would willing do so at the time I asked them too. The offer on the interest rate and charges was also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • HDFC Bank Personal Loan
      "Should be transparency"
      0.5 2.0/5 "Expected more"
      When I applied for the personal loan, I was confused the way of bank conveyed the message to me. I was having one personal loan and I asked for the top up, so I described both the loan. They said 14% of interest but after the disbursement I came to know it was 16% it was not communicated. Part payment and preclosure charges was also not discussed.
      Was this review helpful? 0
      , hosur
      Reviewed on May 25, 2017
    • HDFC Bank Personal Loan
      "High interest rate"
      0.5 3.5/5 "Pretty good"
      I applied online for the personal loan with HDFC bank. Executives told me that the interest rate will be 17.17% which is extremely high so I decided to cancel the loan application with HDFC bank. Hence I informed the bank and closed the application.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • HDFC Bank Personal Loan
      "Good deal"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank had a better deal for me on the personal loan and they have done a great job. The process was on time and I got the loan as needed. The interest rate was around 13% and the processing charges was normal when compared to other banks. The after loan services are also good.
      Was this review helpful? 0
      , pune
      Reviewed on May 25, 2017
    • HDFC Bank Personal Loan
      "Overall good"
      0.5 3.0/5 "Satisfactory"
      I did receive a proper response from HDFC bank for the personal loan and since there were some issues with the verification, the bank did not process the loan. The services was on time and I was also comfortable with the rate of interest and I was not informed about the processing charges.
      Was this review helpful? 0
      , chennai
      Reviewed on May 25, 2017
    • HDFC Bank Personal Loan
      "Delayed Response"
      0.5 4.0/5 "Great!"
      I applied for the personal loan with HDFC bank. The loan is under process, I am waiting for the confirmation from the bank. It is almost been 15 days when I submitted my application but still I did not get any confirmation from them. Approval is still pending.
      Was this review helpful? 0
      , varanasi
      Reviewed on May 25, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I had cancelled the Personal loan application with HDFC bank , because there was no need of money at that time. The response and the follow up was good with HDFC bank. Overall I am happy about the HDFC bank service. In case in future if I want loan , then I will approach Hdfc bank for sure.
      Was this review helpful? 0
      , kochi
      Reviewed on May 25, 2017
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      It was very quick service with HDFC bank, They have fulfilled my requirement within the promised time. They took around very short time to disburse my personal loan. I am happy with the loan service. The rate of interest and processing fee is nominal with HDFC bank. I am happy with the HDFC bank service.
      Was this review helpful? 0
      , nadiad
      Reviewed on May 25, 2017
    • HDFC Bank Personal Loan
      "Satisfied"
      0.5 4.0/5 "Great!"
      I got the personal loan with the HDFC bank for the interest rate as 12.9% and the customer service was pretty good,. Within a week of time, the loan amount got disbursed to my account and the response was very good. Processing charges and the insurance charges were around 7000 Rupees, which should be optional.
      Was this review helpful? 0
      , pune
      Reviewed on May 24, 2017
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      My personal loan process been cancelled with HDFC bank as I could not able to produce certain documents. HDFC people contacted me on my loan application and they responded well on it. But I could not avail the loan from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • HDFC Bank Personal Loan
      "Overall good"
      0.5 4.0/5 "Great!"
      HDFC Bank contacted me initially for the personal loan and later they did not follow up. There were no issues on the interest rate and processing charges. It would have been better if the team informed me the reason for the loan not being processed.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
    • HDFC Bank Personal Loan
      "Delighted service "
      0.5 5.0/5 "Blown Away!"
      It was very quick service with HDFC bank, they have take very few days to process my personal loan application. They have fulfilled my requirement within the promised time. They took around 4 days to disburse my personal loan. I am happy with the loan amount. The rate of interest is nominal with HDFC bank. I am happy with the HDFC bank service.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 24, 2017
    • HDFC Bank Personal Loan
      "Good In Interest Rate"
      0.5 5.0/5 "Blown Away!"
      I received personal loan with HDFC bank with the interest rate of 9.5%. Interest rate is normal with HDFC when compared with other banks, so I do not have any issues with the bank. I am happy with the services of HDFC.
      Was this review helpful? 0
      , haldwani
      Reviewed on May 24, 2017
    • HDFC Bank Personal Loan
      "Okay bank"
      0.5 3.0/5 "Satisfactory"
      I got the personal loan with the HDFC bank, it was very easy to approach through the processing charges were on higher end when compared with others market scenario. Foreclosure charges and the partial payment charges were huge with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • HDFC Bank Personal Loan
      "Very good in services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has also offered me a personal loan with a better deal than what ICICI Bank did. I got a interest rate of 14% and the processing charges was of 1%. The loan amount disbursed was as per my requirement and the after loan services are also smooth,
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I got the personal loan with the HDFC bank and the rate of interest was much lesser with them not sure how much it was even they charged some processing fee. The loan amount got disbursed within 2 minutes of time. Since I hold a salary account with them.
      Was this review helpful? 0
      , bharuch
      Reviewed on May 24, 2017
    • HDFC Bank Personal Loan
      "Don't go for HDFC Personal Loan! Killing preclosure charges"
      0.5 0.5/5 "Unacceptable"
      They literally suck all the blood of customers! You are not allowed to close the loan prior to 1 year and after 1 yr pre-closure charge is 4.5% + 15% tax on charge! For a 1.6 L outstanding balance, the pre-closure penalty comes around 10K! No matter if you are a classic customer or whatso ever! They suck your blood like a vampire! I have paid more than 30K as interest for the loan amount of 2.5 in a year! Still, they want to suck my blood till the very last drop!
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
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