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HDFC Training Sheet

The document outlines the various types of loans offered by HDFC, including personal, business, housing, auto, gold, and agricultural loans. It details the categories and requirements for personal loans based on income levels in both government and private sectors, as well as the necessary documentation for loan applications. Additionally, it provides information on the fixed obligation to income ratio (FOIR) and loan tenors based on net take-home salary (NTH).

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Ravi Mb
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46 views3 pages

HDFC Training Sheet

The document outlines the various types of loans offered by HDFC, including personal, business, housing, auto, gold, and agricultural loans. It details the categories and requirements for personal loans based on income levels in both government and private sectors, as well as the necessary documentation for loan applications. Additionally, it provides information on the fixed obligation to income ratio (FOIR) and loan tenors based on net take-home salary (NTH).

Uploaded by

Ravi Mb
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
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HDFC (Housing Development Finance Corporation Limited)

DSA (Direct Sales Association) OR (Direct Selling Agent)


DSA Name = Star Powerz Digital Technologies Private Limited
Types Of Loans in HDFC Bank
1 Personal Loan (PL)
2 Business Loan (BL)
3 Housing Loan (HL)
4 Auto Loan (Vehicle Loan)
5 Gold Loan (GL)
6 Loan Against Property (LAP)
7 Mortgage Loan
8 Agri Loan (Crop Loan)
Types in Personal Loan (PL)
1 Normal
2 B T or Take Over (Balance Transfer)
3 Top Up
4 Parallel
5 Golden Edge
Normal
Fresh Cases
B T or Take Over (Balance Transfer)
Take over of existing Loan from other bank
Top Up
Old Loan closer & get new Loan ( After 3 EMI )
Parallel
Old Loan continue & get new Loan
Golden Edge
Fresh Cases above 10 Lakh Loan

Personal Loan Sectors


1 Government Sector
2 Private Sector
Government Sectors
1 Govt A Category (GA)
2 Govt B Category (GB)
3 Govt C Category (GC)
Govt A Category (GA)
Above 50000 Net Take Home Salary (NTH)
Govt B Category (GB)
38000 to 50000 Net Take Home Salary (NTH)
Govt C Category (GC)
Below 38000 Net Take Home Salary (NTH)

Private Sectors
1 Super A Category ( Super Cat A )
2 A Category ( Cat A )
3 B Category ( Cat B )
4 C Category ( Cat C )
Documents For Loan
1 Pan Card
2 Adhar Card
3 Recent 3 Months Salary Slips
4 Recent 3 Months Bank Statement
5 Two Photos
6 One Year Loan Statement ( if BT )

FOIR
25000 to 50000 = 45 %
50000 to 75000 = 50 %
Above 75000 = 60%
Tenor NTH - 25-30 NTH - 30-50 NTH - 50-75 Above 75
12 5 6 4 7
24 7 10 13 13
36 8 15 18 18
48 10 17 21 23
60 12 20 25 27

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