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. 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 8.90% 8.95% 9.05% - 9.25%

24-47 8.90% 8.95% 9.05% 9.25% 9.25%

48-60 8.65% 8.70% 8.80% 9.00% 9.00%

Platinum Deposits

Period (Months) Monthly Option Quarterly Option Half-Yearly Option Annual Income

Plan Cumulative Option

15 9.25% 9.30% 9.40% - 9.60% 22 9.25% 9.30% 9.40% 9.60% 9.60% 33 9.15% 9.20% 9.30% 9.50% 9.50%

Min. Amt. 40000 20000 20000 20000 20000

HDFC SMART DEPOSITS

Quarterly ROI (p.a.) Annual ROI (p.a.) Cumulative ROI (p.a.)

Amount less than Rs 1 crore 30 < 180 Days - - 9.25%

180 < 12 Months - - 9.50% 12 <= 18 Months 9.45 9.75 9.75%

Period of Deposit

Quarterly ROI (p.a.) Annual ROI (p.a.) Cumulative ROI (p.a.) Rs. 1 crore < Rs. 5 crores

30 < 180 Days - - 9.25% 180 < 12 Months - - 9.50% 12 <= 18 Months 9.45 9.75 9.75%

Interest Rate on Deposits from Rs. 1 Crore upto Rs.5 Crore (For Individual and Trust)

Period (Months) Monthly Option Quarterly Option Half-Yearly Option Annual Income

Plan Cumulative

Option

12-23 9.40% 9.45% 9.55% - 9.75% 24-35 9.30% 9.35% 9.45% 9.65% 9.65% 36-47 9.15% 9.20% 9.30% 9.50% 9.50% 48-60 8.70% 8.75% 8.85% 9.05% 9.05%

*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.

• 0.25% additional Interest provided to senior Citizens (60years and above).

• 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.

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.

Banking Details:

Payment should be made by means of Account Payee Cheque/ demand draft made payable to ‘HDFC Ltd.’ payable at

Designated HDFC Ltd.Branches 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. 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. 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.

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. 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. Trusts

/Foundations

-Name of Trustees, settlers,

beneficiaries and signatories

-Names and addresses of the

founder, the

managers/directors and the

beneficiaries

-Telephone/fax numbers

(i) Certificate of registration, if registered (ii) Power of Attorney granted to

transact business on its behalf (iii) Any officially valid document to identify the

trustees, settlers, beneficiaries and those holding Power of Attorney,

founders/managers/directors and their addresses (iv) Resolution of the

managing body of the foundation/association (v) Telephone bill

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