HDFC Bank Agra
Last Updated : June 1, 2018, 3:29 p.m.
About HDFC Bank
HDFC bank is a leading private sector commercial bank that was established in the year 1994. The incorporation of the bank took place when Reserve Bank of India allowed Housing Development Finance Corporation Limited (HDFC) to introduce private sector bank in India. The ‘in-principal’ approval was the first of its kind and was given because RBI aimed to liberalise the entire Indian banking sector back then. The bank is conducting all its main operations from Mumbai, where the head office is located. a HDFC bank started working as a fully scheduled commercial bank from January 1995. When it comes to a wide network, only a few banks can give competition to HDFC bank. It has over 4,500 branches and more than 12,000 ATMs in the country. The bank’s efforts and strategy have been applauded from time to time. Today, the bank has captured a major share in certain segments of the market.
No other bank as made effective and efficient use of technology as HDFC bank has made. The bak has a box full of digital offerings like 10-second personal loan,Chillr, Pay Zapp, SME Bank, 30-Minute Auto Loan and Watch Banking. The bank merged with Times Bank in 2000 and this was the first ever case when two private sector banks had a merger with one another. HDFC bank has a solid presence in the city of Agra with more than 10 branches.
Address of HDFC Bank Agra branches
| Branch | Address | IFSC | MICR | Contact details |
|---|---|---|---|---|
| Sanjay Place | Shop No. 3 / 4 / 11, Ground Floor, Block No. 17 / 2 / 4, Friends Plaza, Sanjay Place, Agra - 282002, Uttar Pradesh | HDFC0000121 | 282240002 | 9935903333 |
| Hing Ki Mandi | 8 / 483 Shri Hotel, 1st Floor, Hing ki Mandi, Opposite J & K Bank Ltd., Agra - 282003, Uttar Pradesh | HDFC0000297 | 282240003 | 9935903333 |
| Kamla Nagar | C 2 / 50, Opposite Shri Ram Talkies, Kamla Nagar, Agra - 282004, Uttar Pradesh | HDFC0000870 | 282240004 | 9935903333 |
| Civil Lines | Building No 1, Ground Floor Pariney Gardens Bagh Farzana Civil Lines Agra | HDFC0001178 | 282240001 | 9935903333 |
| Kiraoli | Adjoining Shreyash Gramin Bank Kiraoli Agra Agra Uttar Pradesh | HDFC0002165 | 282240501 | 9935903333 |
| Agra Cantonment | 20/20A, 1St Floor, Taj Road, Sadar Bazar, Agra Uttar Pradesh 282001 | HDFC0001934 | 282240006 | 9935903333 |
| Shahganj | 5 Mig, Opposite Koti Meena Bazar, Shahganj, Dist Agra, Agra Uttar Pradesh 282010 | HDFC0003679 | 282240007 | 9935903333 |
| Shastri Puram | J.R.F Building, Sector 13, Shastri Puram, Dist Agra, Agra Uttar Pradesh 282007 | HDFC0003696 | 282240008 | 9935903333 |
| Bamrauli Katara | Bamrauli Katara Krishna College Crossing Fatehabad Road Agra Uttar Pradesh 282006 | HDFC0003750 | 282240009 | 9935903333 |
| Belanganj | Hdfc Bank Ltd 6 184 Belanganj Agra Uttar Pradesh 282006 | HDFC0004350 | 282240010 | 9935903333 |
| Trans Yamuna | Hdfc Bank Ltd F4 Trans Yamuna Colony Phase 2 Agra Uttar Pradesh 282006 | HDFC0004134 | 282240011 | 9935903333 |
Products offered by HDFC Bank
People in the city of Agra can always expect a lending hand from HDFC bank in times of financial crisis. The bank offers an education loan, home loan, car loan, business loan, loan against property, gold loan, personal loan and a fixed deposit. Applicants can avail any of these products from the bank if they fulfil the norms of eligibility. Check out all the relevant information right here.
Basic details of HDFC Bank loans in Agra
| Product | Eligibility | Loan amount | Interest rate | Processing fee | Tenure |
|---|---|---|---|---|---|
| Home loan | The bank decides the eligibility of the applicant through certain factors like Income Educational qualifications, Age CIBIL score Income of the spouse Number of dependents Stability of employment Saving history Business, Liability & Assets | ₹ 75 Lakhs and above in selected cases | 8.50% - 9.40% | 1.25 % of the amount sanctioned plus GST | 30 years |
| Personal loan | 1.Must be a salaried individual who falls in the the category of Chartered Accountant, Doctor, employee of public sector undertakings or private limited companies. 2.He/she should be between the age group of of 21 to 60 years. 3. A working experience of a minimum of two years is needed 4.Must be employed with the current company for at least one year. 5. A net monthly income of at least ₹ 15,000 is needed. In case of applicants of cities like Mumbai, Bengaluru, Delhi, Cochin, Pune, Kolkata, Hyderabad, Ahmedabad and Chennai, the net monthly income should be at least ₹ 20,000. | Up to ₹ 15 Lakhs | 10.75% - 14.50% | Up to 2.50% of the loan amount | Five years |
| Car loan | Salaried Employee- 1.Should be at least 21 years of age at loan application and <=60 years of age when the loan matures 2.Should have a job for a minimum of two years and must be working for the current employer for at least one year 3.A minimum annual income of ₹ 2,50,000 is needed Self employed individual (Sole Proprietorship)- 1.Need to be at least 21 years of age when the tenure starts and <=65 when the tenure ends 2.Need to be in their business for a minimum of two years 3.Need to have an annual income of at least ₹ 2,50,000 Self employed (Partnership Firms)- 1.Need to have a minimum turnover of ₹ 2,50,000. 2. Must be engaged in the business of trading, manufacturing and services. Self employed (Private Limited Companies) and Self employed (Public Limited Companies)- 1. Must be engaged in the business of trading, manufacturing and services. 2.A turnover of at least ₹ 2,50,000 annually is needed | For Salaried employee- 3 times of annual income For Self-employed- 6 times of annual income | 7.95% - 8.30% | 0.4% of Loan Amount | Seven years |
| Fixed deposits | Applicants who can apply for a fixed deposit account include- Residents Sole proprietorship firms Hindu undivided families Partnership firms Trust accounts Limited companies | Minimum of ₹ 5,000 | 2.50% - 6.25% | NIL | Seven days to ten years |
| Loan against property | Anybody, whether a self-employed professional or a salaried individual can apply for a loan. The applicant should fall in the age bracket of 21 to 65 years. The applicant should have a property which he/she can mortgage. He/she must earn sufficient enough to repay the loan. Proprietors, partnership firms and companies can apply too. | Up to 60% of the market value of the property | 10.25% to 10.75% | 1% of the loan amount | 1 year to 9 years |
| Business loan | 1.Self Employed people like Individual Proprietors, Partnership Firms and Private Limited Company involved in the business of Trading, Manufacturing, or Services can apply. 2. Minimum Turnover of ₹ 40 Lakhs is needed 3. total business experience should be five years. The applicant needs to be in his/her current business for a period of at least three years 4. Business must be profitable for the past two years 5. Annual Income should be at least ₹ 1.5 Lakhs 6. The age of the applicant at the time of application should be 21 years 7. The applicant should not exceed the age of 65 years when the loan matures | Up to ₹ 15 Lakhs ( ₹ 50 Lakhs in certain cases) | 15.50% to 18.30% | 2.50% of the loan amount | One to four years |
| Education Loan | 1.You should be an Indian resident 2. You need to be between the age group of 16 to 35 years 3. A co-applicant is necessary for all the full time programmes | Up to ₹ 10 Lakhs | 9.50% to 13.81% | 1% of the loan amount sanctioned | 15 years |
| Gold Loan | You should be an Indian citizen owning gold | Minimum of ₹ 50,000 | 9.50% to 15.35% | 0.50% of the loan amount sanctioned | 6 months to 48 months i.e. half an year to four years |
Documents required
The documents needed for availing a loan from HDFC Bank Agra have been mentioned below-
| Product | Documents |
|---|---|
| Home loan | Salaried employee: Fully filled application form along with photographs of passport size Proof of Identity- Passport/PAN card/Voter ID card/Aadhar card/Driving license Proof of Address- PAN card/Passport/Electricity bill/Telephone bill/Rent agreement Processing fee cheque Bank statement of the past six months Proof of Income- Form 16 and latest salary slip Other property related documents- Buyer agreement/Allotment letter copy and a receipt of payment made to the developer Self-employed (businessmen and professionals): Fully filled application form along with photographs of passport size Proof of Address- PAN card/Passport/Electricity bill/Telephone bill/Rent agreement Proof of Identity- Passport/PAN card/Voter ID card/Aadhar card/Driving license Processing fee cheque Proof of Income- Income Tax returns of the previous three years and Audited Balance Sheet & Profit and Loss account statement of the past three financial years Proof of Business Educational qualification certificates (For professionals) Business profile Other property related documents- Buyer agreement/Allotment letter copy and a receipt of payment made to the developer Bank statement of the past six months Agriculturists: Fully filled application form along with photographs of passport size Proof of Identity- Passport/PAN card/Voter ID card/Aadhar card/Driving license Proof of Address- PAN card/Passport/Electricity bill/Telephone bill/Rent agreement Processing fee cheque Copies of the Title documents of the agricultural land which can depict land holding Statement of the loans availed in the past two years Other property related documents- Bank statement of the past six months Copies of the Title documents of the agricultural land which can show that crops are being cultivated |
| Personal loan | Identity Proof- photocopies of Driving License/Voter ID Card/Passport Address Proof- photocopies of Passport/Telephone Bill/Ration Card/Rental Agreement/Electricity Bill Income Proof- Salary Certificate(current dated) with Form 16/Latest salary slip Bank Statement of the past three months/ six months passbook statement |
| Car loan | Identity Proof- PAN Card, Voter ID Card, Passport, Driving License Proof of Income- The applicants are required to submit the below documents as a proof of their income. Salaried employee: A salary slip along with Form 16 Self employed individual (Sole Proprietorship): Latest Income Tax Returns Self employed (Partnership Firms): Audited Balance Sheet, latest two years Income Tax returns and Profit and loss account of the last two years Self employed (Private Limited Companies): Audited Balance Sheet, P&L account of the last two years and Income Tax returns of the latest two years Self employed (Public Limited Companies): Audited Balance Sheet and P&L account of the last two years Proof of Address- Salaried employee and Self employed individual (Sole Proprietorship): Driving license/Telephone Bill/Ration card/Life insurance policy/passport copy/Voter card/ electricity bill/PAN Card Self employed (Partnership Firms), Self employed (Public Limited Companies) and Self employed (Private Limited Companies): Sales Tax certificate/Electricity Bill/Telephone Bill/SSI registered certificate/Shop & Establishment Act certificate Bank Statement: You also require a bank statement of the previous six months |
| Fixed deposit | Anyone of the following documents are required- Secondary School Leaving Certificate of class 10th Voters Identity Card LIC Policy Birth Certificate issued by the competent authority Pension Payment Order Passport PSU Issued ID Cards Govt ID Card/ Defence ID Card (it must have the cardholder's, signature, photo and date of birth) PAN Card |
| Loan against property | For Salaried individual Identity Proof- Driving License/Voter ID Card/Passport/PAN Card/Aadhar Card/Employer's card Address Proof- photocopies of Passport/Telephone Bill/Ration Card/Rental Agreement/Electricity Bill/Voter ID Card Bank statement of the past six months where the income or salary is credited Salary slip of the latest six months Income Tax returns of the previous two financial years Copies of all Property Documents For Self-Employed Individual Identity Proof- Driving License/Voter ID Card/Passport/PAN Card/Aadhar Card/Employer's card Address Proof- photocopies of Passport/Telephone Bill/Ration Card/Rental Agreement/Electricity Bill/Voter ID Card Bank statement of the past six months Audited Balance Sheet and Profit & Loss account statement Income Tax returns of the previous two years |
| Business loan | PAN Card is mandatory for any company, individual or firm Identity Proof- PAN Card, Aadhar card, Voter ID Card, Passport, Driving License Proof of Residence- Aadhar card, Voter ID Card, Passport, Driving License Income Tax returns of the past two financial years along with Audited Balance Sheet and Profit & Loss account Proof of continuation- Trade license/ITR /Sales Tax certificate/Establishment Other important documents include- Certified Copy of Partnership Deed, or Sole Prop. Declaration, Memorandum & Articles of Association & Board resolution |
| Education Loan | Completely filled application form Passport size photographs Institute Admission Letter High school certificate, Senior Secondary certificate, Graduation marksheet Proof of age- Birth certificate, PAN card, school leaving certificate Proof of Identity- Aadhar card?PAN card/Voter ID card/Passport/Driving License Proof of Address- Passport/Electricity bill/Telephone bill/Ration card/Lease and Rent agreement Proof of Income- For Salaried employee- Salary slip of of the latest two months and Bank statement of the latest six months For Self-employed- Proof of turnover, Bank statement of the latest six month, Income Tax returns of the past two years and Audited Balance Sheet For Professional - Proof of qualification, Bank statement of the latest six month, Income Tax returns of the past two years and Audited Balance Sheet and Profit & Loss account |
| Gold Loan | Driving license Voters’ ID card Passport PAN (Permanent Account Number) Card Aadhaar Card |
