HSBC Bank Noida
Last Updated : June 1, 2018, 3:44 p.m.
About HSBC Bank
HSBC Bank is one of the few foreign banks which has made a name for itself in the Indian banking industry. The bank is an Indian subsidiary of HSBC Holdings Plc which has its main headquarter in London. In India, the bank has established a head office in Mumbai. All the operations and activities of the bank are evaluated and regulated by the Reserve Bank of India. The Banking Regulation Act 1949 gives authority to the RBI to regulate all its activities. Some of the group members of HSBC India are HSBC Agency (India) Private Limited, HSBC InvestDirect (India) Limited, HSBC Asset Management (India) Private Limited, HSBC Securities and Capital Markets (India) Private Limited, HSBC InvestDirect Financial Service (India) Limited and HSBC InvestDirect Sales & Marketing (India) Limited.
HSBC Bank India has a unique history which dates back to 1853. The parent company of the bank, Hongkong and Shanghai Banking Corporation Limited took control over Mercantile Bank in 1959. As a matter of fact, Mercantile Bank was formed in Mumbai way back in 1853. So one can say that HSBC Bank has a long history in the country. The bank is known for being the first bank in India to ever introduce ATMs for the customer’s way back in 1987. Noida is an important hub of IT and biotechnology. Most the global and national firms have set up their offices in the city. HSBC Bank has a branch in Noida which is taking care of the requirements of the people in the city.
Address of HSBC Bank Noida branches
| Branch | Address | IFSC | MICR | Contact details |
|---|---|---|---|---|
| Noida Sector 18 | K 14 - 18, Sector 18, Gautam Budh Nagar, Noida 201301 | HSBC0110007 | 110039007 | 9999199860 |
Products offered by HSBC Bank
HSBC Bank has created few products for the people of the city of Noida like a personal loan, business loan, home loan, and loan against property. If you desire to get any loan from the bank, you need to match the required eligibility norms and then deposit the documents asked by the bank. Want to have more knowledge about the products? Have a proper glance at the two tables. These tables will make things crystal clear for you.
Basic details of HSBC Bank loans in Noida
| Product | Eligibility | Loan amount | Interest rate | Processing fee | Tenure |
| Home loan | 1.Minimum age- 21 years 2.The maximum age at the time of loan maturity: Salaried- 58 years Government/Public Limited Employees- 60 years Self-employed - 65 years 3.Minimum Annual Income requirement: Salaried- ₹ 5 Lakhs Self-employed- ₹ 7.5 Lakhs | ₹ 3 Lakhs to ₹ 10 crore | 8.75% - 9.10% | 1% of the loan amount plus service taxes applicable | 25 years for salaried applicants 20 years for others |
| Personal loan | HSBC Customers in the cities of Kolkata, New Delhi, Mumbai, Pune, Chennai, Kochi, Bangalore, Hyderabad, Jaipur, Ahmedabad and Chandigarh can apply for a personal loan. 1.The applicant must be an existing HSBC bank customer. 2.Should be a resident Indian. 3.Minimum age- 21 years. 4.Maximum age during maturity of loan: Salaried- 58 years Self-employed- 65 years 5.Minimum net annual income: Corporate Employee Program- ₹ 4 Lakhs and above For others- ₹ 5 Lakhs and above | ₹ 15 Lakhs Selected customers can apply for a maximum of ₹ 30 Lakhs | 9.75% - 16.00% | 2.5% of the sanctioned loan amount | Up to five years |
| Fixed deposits | You need to be an existing HSBC bank customer to open a fixed deposit account | ₹ 10,000 and above | 2.25% - 4.50% | NIL | 7 days to 10 years |
| Loan against property | 1.Minimum age- 21 years 2.The maximum age at the time of loan maturity: Salaried- 58 years Government/Public Limited Employees- 60 years Self-employed - 65 years 3.Minimum Annual Income requirement: Salaried- ₹ 5 Lakhs Self-employed- ₹ 7.5 Lakhs | ₹ 3 Lakhs to ₹ 10 crore | 10.10% | 1% of the loan amount plus service taxes applicable | 15 years |
| Business loan | Applicants who can apply: Private Limited Companies Sole Proprietors Partnerships 1.Minimum age of guarantor- 21 years 2. Maximum age of the guarantor while the loan matures- 65 years 3. Profit after Tax should be positive | ₹ 10 Crore | As per the prevailing base rate i.e 9% |
Documents required
The documents needed for availing a loan from HSBC Bank Noida have been mentioned below-
| Product | Documents |
|---|---|
| Home loan | Proof of Identity- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card. Proof of Current Residential Address- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Lease agreement/Gas bill/Water bill/Property tax bill/Domicile certificate with address which is issued by Municipal Corporation Proof of Age- PAN card/Driving license/Passport/School leaving certificate Proof of Income: Salaried individuals- Latest salary slips of three months which shows statutory deductions Bank statement of the past three months which shows last three salary credits Self-employed Individuals- Income Tax returns of the previous two financial years Audited Balance Sheet and Profit & Loss account Bank statements of the past six months Partnership Deed in case of Partners of a partnership firm For directors of a private limited company- Memorandum and Articles of Association or Share holding Pattern and List of directors Consultant / Self-employed Professional Bank account statement of the past six months Audited Balance Sheet and Profit & Loss account Income Tax returns of the previous two financial years |
| Personal loan | Completely filled loan application form Photographs of passport size Proof of Identity- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card. Proof of Age- PAN card/Driving license/Passport/Birth certificate/School leaving certificate Proof of Address- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Gas bill/Water bill/Property tax bill/Lease agreement/Domicile certificate with address which is issued by Municipal Corporation Proof of Income: Salaried individuals- Latest salary slips of three months which shows statutory deductions Bank statement of the past three months which shows last three salary credits Form 16 Self-employed Individuals- Income Tax returns of the previous two financial years Audited Balance Sheet and Profit & Loss account Bank statements of the past six months |
| Fixed deposit | Proof of Identity- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card. Proof of Current Residential Address- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Lease agreement/Gas bill/Water bill/Property tax bill/Domicile certificate with address which is issued by Municipal Corporation Proof of Age- PAN card/Driving license/Passport/Birth certificate/School leaving certificate |
| Loan against property | Proof of Identity- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card. Proof of Current Residential Address- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Lease agreement/Gas bill/Water bill/Property tax bill/Domicile certificate with address which is issued by Municipal Corporation Proof of Age- PAN card/Driving license/Passport/School leaving certificate Proof of Income: Salaried individuals- Latest salary slips of three months which shows statutory deductions Bank statement of the past three months which shows last three salary credits Self-employed Individuals- Income Tax returns of the previous two financial years Audited Balance Sheet and Profit & Loss account Bank statements of the past six months Partnership Deed in case of Partners of a partnership firm For directors of a private limited company- Memorandum and Articles of Association or Share holding Pattern and List of directors Consultant / Self-employed Professional Bank account statement of the past six months Audited Balance Sheet and Profit & Loss account Income Tax returns of the previous two financial years |
| Business loan | For Sole proprietors- Proof of Identity- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card. Proof of Current Residential Address- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Lease agreement/Gas bill/Water bill/Property tax bill/Domicile certificate with address which is issued by Municipal Corporation PAN card or Form 60 or PAN allotment letter Proof of Income- Audited Balance Sheet and Profit & Loss account Income Tax returns of the previous two years (Copies are required) Bank statement of the previous six months 2. For Partnerships Firm Proof for Identity of Partnership- Any one of the following is needed Sales Tax/ Excise registration /Service tax Registration under Shops and Establishment Act PAN ID / IT return MAPIN card issued in the name of the concerned Proof of Identity of the individual- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card. Proof of Address for each partner- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Lease agreement/Gas bill/Water bill/Property tax bill/Domicile certificate with address which is issued by Municipal Corporation PAN card or Form 60 or PAN allotment letter Proof of Income- Audited Balance Sheet and Profit & Loss account Income Tax returns of the previous two years (Copies are required) Bank statement of the previous six months 3. For Private Limited Companies Proof for Identity of Partnership- Any one of the following is needed Sales Tax/ Excise registration /Service tax Registration under Shops and Establishment Act PAN ID / IT return MAPIN card issued in the name of the concerned Memorandum and Articles of Association. Proof of Identity of at least two directors - Aadhar card/Driving License /Passport /PAN Card/ Voters ID card. List of directors PAN card or Form 60 or PAN allotment letter Form 32 copy, filed with ROC Proof of Income- Audited Balance Sheet and Profit & Loss account Income Tax returns of the previous two years (Copies are required) |
