HDFC Bank Pune

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Products Offered by HDFC Bank in Pune

HDFC bank is a bank that has ready made products for meeting varied needs of customers. You can avail finance in the form of a personal loan, business loan, car loan, gold loan, home loan, education loan and loan against property. Secure maximum returns on your money by availing the different fixed deposit schemes of HDFC bank. Get all the important information by having a look at the tables given below-

Basic details of HDFC Bank loans in Pune

ProductEligibilityLoan amountInterest rateProcessing feeTenure
Home loanThe 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 cases8.35% - 9.05%1.25 % of the amount sanctioned plus GST30 years
Personal loan1.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 Lakhs11.25% - 21.50%Up to 2.50% of the loan amount Five years
Car loanSalaried 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
8.00% - 13.00%0.4% of Loan Amount Seven years
Fixed depositsApplicants who can apply for a fixed deposit account include-
Residents
Sole proprietorship firms
Hindu undivided families
Partnership firms
Trust accounts
Limited companies
Minimum of ₹ 5,0003.50% - 8.00%NILSeven days to ten years
Loan against propertyAnybody, 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 property10.25% to 10.75%1% of the loan amount1 year to 9 years
Business loan1.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 amountOne to four years
Education Loan1.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 Lakhs9.50% to 13.81%1% of the loan amount sanctioned15 years
Gold LoanYou should be an Indian citizen owning gold Minimum of ₹ 50,0009.50% to 15.35%0.50% of the loan amount sanctioned6 months to 48 months i.e. half an year to four years

 HDFC Bank Pune Branch Addresses with IFSC Codes

BranchAddressIFSCMICRContact details
Law College RoadLaukik Appt. Plot No. 3, CTS No. 870, Bhandarkar Rd, Pune - 411004, MaharashtraHDFC00000074112400029890603333
Kondhwa KhurdShop No. 3 / 4, , Mayurpankh APARTMENT, Kondhwa Khurd, Pune - 411048, MaharashtraHDFC00000294112400039890603333
Boat Club Road9 / 2, Kalpataru Garden, Opposite Narangi Baug, Boat Club Road, , Pune - 411001, MaharashtraHDFC00000394112400049890603333
Aundh93, Rajyog Creations, Anand Park, Off ITI Road, Aundh, Pune - 411007, MaharashtraHDFC00000524112400059890603333
Fergusson College Road1182 / 13, Bu Bhandari Showroom, , Opposite Hotel Lalit Mahal, Fergusson College Road, Pune - 411005, MaharashtraHDFC00001034112400079890603333
Shankar Seth RoadVardhaman Building, Oswal Bandhu Samaz Bldg, Shankar Seth Road, Pune - 411042, MaharashtraHDFC00001044112400069890603333
East StreetK. P. Housing Society, General Thimmaya Road, , Camp, East Street, Pune - 411001, MaharashtraHDFC00001484112400089890603333
KothrudPlot No. 14, Mayur Colony, Opposite Jog High School, , Kothrud, Pune - 411029, MaharashtraHDFC00001494112400099890603333
NigdiPlot No 1, Sector 27 - A, Pradhikaran, Nigdi, Pune - 411044, MaharashtraHDFC00001854112400109890603333
PashanCasp Bhavan, 132 / 2 - Plot No. 3, , Pashan - Baner Link Road, Pune - 411021, MaharashtraHDFC00002234112400069890603333
Sahakar NagarRuturang 49 / 1, Pune Satara Road, Aranyeshwar Corner, , Sahakar Nagar, Pune - 411009, MaharashtraHDFC00003594112400119890603333

HDFC Pune Customer Care Number

If you have an enquiry, complaint or concern related to HDFC products or services, all you need to do is just call a toll-free number at 1800 22 1006 or 022 6160 6161 between 9.30 a.m. to 6.30 p.m. on weekdays and 9.30 a.m. to 1.30 p.a. on Saturdays.  The customer care executives are always there to help and guide you, ensuring that you have the best solutions.

EMI Calculator

An EMI Calculator, you can say is one such amazing and magical device that helps you in knowing your EMIs, Interest Outgo and Total Amount Payable in the best way. This tool with its simple algorithm and quickest process, allows you to know the exact calculations of your monthly installments in the best way. By taking into account, tenure, interest rate and loan amount, this time-saving tool makes your loan journey a hassle-free experience.

Just take a look at the table below to see the calculations on a loan amount of ₹6 Lakh, taken for a tenure of 5 years at an interest rate of 15.67% per annum.

Table Showing EMI, Interest Outgo, and Total Repayment Amount

Loan AmountInterest RateTenureMonthly InstalmentTotal Interest AmountTotal Amount
₹ 6,00,00015.67%1₹ 54,345₹ 52,138₹ 6,52,138
₹ 6,00,00015.67%2₹ 29,283₹ 1,02,800₹ 7,02,800
₹ 6,00,00015.67%3₹ 20,997₹ 1,55,877₹ 7,55,877
₹ 6,00,00015.67%4₹ 16,903₹ 2,11,341₹ 8,11,341
₹ 6,00,00015.67%5₹ 14,486₹ 2,69,150₹ 8,69,150

EMI, Total Interest Outgo, Total Repayment (Interest + Principal)

YearPrincipalInterestBalance Amount
1₹ 85,799₹ 88,031₹ 5,14,200
2₹ 1,00,252₹ 73,577₹ 4,13,948
3₹ 1,17,141₹ 56,689₹ 2,96,807
4₹ 1,36,874₹ 36,955₹ 1,59,932
5₹ 1,60,119₹ 13,898₹ 0

Documents Required

The documents needed for availing a loan from HDFC Bank Pune have been mentioned below-

ProductDocuments
Home loanSalaried 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 loanIdentity 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 depositAnyone 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 propertyFor 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 loanPAN 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 LoanCompletely 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 LoanDriving license Voters’ ID card
Passport
PAN (Permanent Account Number) Card
Aadhaar Card

About the Bank

HDFC Bank has become one of the prominent private sector banks in India. The bank has always believed in treating the customer as the king. It has therefore churned out a considerable amount of loan products for the customers and has never let the focus go out of good service. This is why the bank takes pride in the fact that it truly understands the customer’s world. The bank was established in August 1994 and began functioning as a scheduled private sector commercial bank in January 1995. The bank has a registered office in Mumbai, the city of dreams in India. It is serving all the 29 states of India with its 4555 branches and over 12,000 ATMs. A customer wants a memorable experience and this is what HDFC bank has tried to achieve. It has been able to meet the heightened expectation of the customers through the best standard of service. The bank has truly committed itself to the task of providing financial support to the people of the country. The bank has won many awards for its splendid performance in the banking sector.

Pune is one of the most important centres of education, information technology and manufacturing in India. It is the biggest hub for German companies in India. HDFC Bank has ensured a good presence in the city with more than 100 branches located at important points which are easily accessible.

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