HOUSING DEVELOPMENT FINANCE CORPORATION LTD. …

1 HOUSING DEVELOPMENT FINANCE CORPORATION LTD. company profile : HOUSING DEVELOPMENT FINANCE CORPORATION Limited (HDFC Ltd.) was established in 1977 with the primary objective of meeting a social need of encouraging home ownership by providing long-term FINANCE to households. Over the last three and a half decades, HDFC has turned the concept of HOUSING FINANCE for the growing middle class in India into a world-class enterprise with excellent reputation for professionalism, integrity and impeccable service. HDFC has a wide network of 348 offices (which includes 83 offices of HDFC's wholly owned distribution company HDFC Sales Private Limited) catering to over 2,400 towns & cities spread across the country.

2 It also has offices in Dubai, London and Singapore and service associates in the Middle East region, to provide HOUSING loans and property advisory services to Non-Resident Indians (NRIs) and Persons of Indian Origin (PIOs). FIXED DEPOSIT CHART Interest Rate on Deposits (below Rs 1 Crore) Regular Deposits Period (Months) Monthly Option Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option 12-23 - 24-47 48-60 Platinum Deposits Period (Months) Monthly Option Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option 15 - 22 33 Min. Amt. 40000 20000 20000 20000 20000 HDFC SMART DEPOSITS Quarterly ROI ( ) Annual ROI ( ) Cumulative ROI ( ) Amount less than Rs 1 crore 30 < 180 Days - - 180 < 12 Months - - 12 <= 18 Months Period of Deposit Quarterly ROI ( ) Annual ROI ( ) Cumulative ROI ( ) Rs.

3 1 crore < Rs. 5 crores 30 < 180 Days - - 180 < 12 Months - - 12 <= 18 Months Interest Rate on Deposits from Rs. 1 Crore upto Crore (For Individual and Trust) Period (Months) Monthly Option Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option 12-23 - 24-35 36-47 48-60 *For Cumulative Option, interest is compounded annually. Notes: For Cumulative Option, interest is compounded annually. Above rates are applicable for deposits below Rs 1 crore. Please refer to HO for rates for deposits above 1 cr. additional Interest provided to senior Citizens (60years and above).

4 Trust Deposits will be eligible for tax exemption under Section 11 (5) (ix) of Income Tax Act, 1961. TDS as applicable will be deducted if interest income is more than Rs. 5,000, however no TDS will be deducted if a duly filled Form 15 G/H is submitted. KYC Norms (Pan Card copy and Address Proof) are mandatory in case of new investor. Who can Apply: Resident Individual Minors through their Guardians Domestic company HUFs Registered Trust/Societies. Co-operative Societies Co-operative Banks Association of Persons Superannuation funds *NRI can invest through NRO Account *Documents require for NRI investment are Pan Card copy , Address Proof (Indian Origin) and Cancelled Cheque.

5 Electronic Clearing Service: This facility is provided to depositor s in select centers whereby the interest is credited directly to the depositors' bank account. The depositor would receive a credit entry "ECS HDFC" in his passbook/bank statement. Intimation of interest credited would be sent on an annual basis. Your bank will not levy any charge for this facility as per present RBI guidelines. Presently this facility is being offered by us at the following centers - ECS Centres : Ahmedabad, Bangalore, Bhubaneshwar, Kolkata, Chandigarh, Chennai, Hyderabad, Jaipur, Kanpur, Lucknow, Mumbai, Nagpur, Nasik, New Delhi, Pune and Vadodara.

6 Banking Details: Payment should be made by means of Account Payee Cheque/ demand draft made payable to HDFC Ltd. payable at Designated HDFC where the application is submitted. RTGS Details: Name of the Bank HDFC Bank Ltd Branch Nanek Motwani Marg, Fort, Mumbai IFCS Code hdfc0000060 Account Holder HOUSING DEVELOPMENT FINANCE CORPORATION Ltd Current Account No 00600350003778 Stamp on Application Form: RR Investors Retail Services Pvt. Ltd. Code- NO/27874 Loan on Deposit: Loan against deposit is available after 3 months from the date of deposit upto 75% of the deposit amount subject to the other terms and conditions framed by HDFC.

7 Interest on such loans will be 2% above the deposit rate. Premature Withdrawal: As per the directions of the Reserve Bank of India currently in force, the deposit shall not be repaid before the expiry of 3 months from the date of deposit. In case of premature withdrawal after 3 months, interest shall be paid at the following rates :- After 3 months but before expiry of 6 months - No interest After expiry of 6 months but before the date of maturity - The interest payable shall be 2% lower than the interest rate applicable for the period for which the deposit has run or if no rate has been specified for that period, then 3% lower than the minimum rate at which the public deposits are accepted by HDFC.

8 In respect of variable rate deposit, the interest rate applicable for the period for which deposit has run would be considered as applicable on the respective interest reset dates. Refund / Renewal of Deposit: For renewal or repayment of deposit, the duly discharged deposit receipt must be surrendered to HDFC at least a week before the date of maturity. In case of renewal, the prescribed application form signed by all depositors is also required to be submitted simultaneously. When the date of maturity falls on any day on which HDFC's office remains closed the repayment will be made on the next working day. Repayment of deposit will be made by "Account Payee" cheque drawn favouring the first depositor or by crediting the amount directly to first depositor's bank account through NEFT/RTGS, based on request from the depositor.

9 MANDATORY DOCUMENTS TO BE SUBMITTED AS PER KNOW YOUR CUSTOMER NORMS, DIRECTED BY RESERVE BANK OF INDIA Category, if To prove Document to be submitted along with application form A. Individual -Proof of Identity (i) Passport (ii) PAN Card (iii) Voters Identity Card (iv) driving license (v) Identity card (vi) Letter from recognized public authority o public servant verifying the identity and residence of the customer (any one document mentioned above) -Correct permanent address (i)Telephone bill (ii) Bank account statement (iii) Letter from any recognized public authority (iv) Electricity bill (v) Ration Card (vi) Letter from employer (any one document mentioned above) B.

10 Companies -Name of company -Principal place of business -Mailing address of the company -Telephone/Fax Number (i) Certificate of incorporation and Memorandum & Articles of Association (ii) Resolution of the Board of Directors to open a deposit and identification of those who have authority to operate the deposit (iii) Power of Attorney granted to its managers, officers or employees to transact business on its behalf (iv) Copy of PAN allotment letter (v) Copy of telephone bill C. Partnership firms -Legal name -Address -Name of all partners and their addresses -Telephone numbers of the firm and partners (i) Registration certificates, if registered (ii) Partnership deed (iii) Power of Attorney granted to a partner or an employee of the firm to transact business on its behalf (iv) Any officially valid document identifying the partners and the persons holding the Power of Attorney and their addresses (v) Telephone bill in the name of firm/partners D.