DUKANDAR OVERDRAFT PROGRAM
Business chalega smooth,
jab saath hoga
HDFC Bank ka Dukandar
Overdraft
Target Segment : Shopkeepers,
Retailers & Kirana
Dukandar Overdraft Program – Benefits / Features & Eligibility Criteria
Features Benefits Eligibility Criteria
• Collateral free loan • Eligible entities - Proprietorship &
• Overdraft facility upto Rs 10 lakhs. Partnership.
(Min : Rs 50,000) • Attractive & Competitive Interest • Ownership - Either residence or
rate of 16% p.a. business premises owned by main
• No Business financials & Income
Tax Return required. • Interest to be serviced only on promoter or close family member.
utilised amount. ( Pay Less than Rs • Biz Vintage
• No requirement to submit stock
4.50 per day on an amount of Rs • Min 3 yrs Biz Vintage in the
statement.
10,000 utilised). same Biz and same location for
• No collateral security loans upto Rs 7.50 lakhs
• No commitment charges
• Min 6 yrs Biz Vintage in the
• Limit assessed basis 6 months
same Biz and same location for
Bank Statement. loans(> Rs 7.50 to Rs 10 lakhs)
• Min Banking Vintage
• HDFC Bank Customer – 12 months
• Other Bank Customer – 15 months
Benefits for VLEs – What’s in it for you and Support provided
Payout upto 1%* Support Provided
Disbursal amount Payout upto 200 member Bank team to
bucket support CSC as one point of
Add Text contactAdd Text
Upto 5 Lakh* 0.50 % 1700 + Strong and trained EEG
Business Channel support
5 Lakh – 15 Lakh* 0.75% 5600+ Branch.
>15 Lakh* 1%
Virtual VRM Support : Coming
*Computed basis disbursals done during calendar month . soon
Dukandar Overdraft Program – Documents Required
Branch Manager’s
Completely Filled confirmation for
application form extending Dukandar
OD
6 months bank statement Individual KYC - Sole proprietor or
preferably pdf Partner/s Identity and residential
Proof.
Business Entity Shop Owners proof - Ownership
vintage proof proof of Shop / Residence
(Indicative list) (Indicative list)
• GST/ Tin / Vat certificate • Electricity Bill
• Shop and establishment certificate as per • Municipal Tax receipt.
state Act / Gumasta licence • Other document which exhibits
• Drug licence (Medical) / Food license ownership of either Shop
• Electricity bill premises / Residence
• Income Tax Return
• Bank statement.
CSC VLE : Process Flow
Bank Staff
01 Customer
Visits CSC VLE Centre
04 Request for the Branch
recommendation while
07 Bank Staff
Sends BM’s
recommendation &
for Dukandar case is in Credit bucket Account no information
Overdraft Loan. to operations.
CSCVLE Bank Staff Ops
02
Generates LEAD by
accessing HDFC Bank
Lending System using
05 For approved cases,
contacts customer for
CPV, OSV of relevant
08 Carries due diligence of
documents received digitally
& initiates for limit Disbursal
Digi Seva Portal docs. in the existing CA / CA
shared by Bank staff
CSCVLE CSCVLE
Inputs Customers
03 06
Ensures customer completes
demographic details & execution of loan documents
uploads document images through Net Banking
Authentication
& Submits application
* Documents can also be executed manually for customers who are not tech savvy / are not Net Banking Active.
CSC Login
Dukandar Overdraft
1
CSC VLE logs to Dukandar Overdraft Program through Dukandar Overdraft Banner .
1 The User is navigated to HDFC Bank Digital Platform for submission of loan application.
Step 1 : Sourcing
1 2
1 Click on Apply to open the application for entering New case.
2 Click on Dashboard for checking status of existing cases
Start with updating Customer’s Mobile no, Pan No, CRM no ( CSCVLESPK), Loan amount requested, Satisfactory point verification-
3 ->Save -->Next
Step 2 : Mobile No. Validation Through Verification Code
1 Proceed by updating the mobile verification code received by the customer on their mobile no
Step 3.1 : Enter Demographic Details – Business Entity
1 Update Entity details – Business entity name, Line of activity, Date of incorporation etc. For existing Bank Customer – this
information will get auto-populated.
*For existing Bank customers, demographic field will get prefilled post updation of mobile verification code
Step 3.2 : Enter Demographic Details – Business Entity
1 Update Business Entity / Shop address details
Step 3.3 : Enter Demographic Details – Business Entity
1 Update group entity details (if any) or NA
Step 4.1 : Sole Proprietor/ Partner Personal Details
1 Update Sole proprietor / Partner’s personal details.
Step 4.2 : Sole Proprietor/ Partner’s Address Details
1 Update Sole Proprietors / Partners residential address details. --> Save --> Next
Step 5 : Verify Existing Loans
Bureau information is displayed here for to verify existing loans availed by customer.
1 Select loans that needs to be taken over (if any - only WC loans) -->Save -->Next
Step 6 : Bank Statement Upload
Click on add Button to add bank details
1 by entering IFSC code, Account No and
Bank account type
1 Update existing Bank account details
2
and upload Bank statement (preferably
PDF). Please update BANK BRANCH
IFSC CODE to get Bank Name
3 Upload of Multiple files allowed.
2 Max size -5 MB. only PDF, JPEG, JPG
4
file format allowed.
--> Save Bank info--> Save page info -->
5 Next
5 Click save to save the bank details and
uploaded documents
Step 7 : Document Upload
Upload Scan image of pre-sanction documents
1
• Completely filled Application form,
• Business Entity Vintage Proof.
• Shop Owners proof - Ownership proof of Shop / Residence
• Individual KYC - Sole proprietor or Partner/s Identity and residential Proof.
2 Click Save and then Submit to generate Application no.
Important Points – CSC VLE
01 CSC VLE to update “CSCVLE Code no under “CRM” field.
02 Satisfactory Point contact to be updated as “Yes”.
03 Multiple Bank statements could be uploaded under Bank Statement upload section. Only image files allowed
(PDF, JPEG, JPG, PNG)
04 Only single file upload allowed under Document upload section. Only image files allowed (PDF, JPEG, JPG, PNG)
05 Post limit set up in the Current account, customer can start utilising the limits
06 Interest is levied only on the amount used and for the no of days for which the limit is used.
07 Interest amount on utilisations is capitalised & debited into Limit Account on the last day of the month. Customer is
required to deposit amount for Interest servicing by 3rd of the next month.
THANK YOU
