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A Project report submitted in partial fulfillment for the award of the degree of
MASTER OF BUSINESS ADMINISTRATION
TABLE OF CONTENTS
1. Company Profile 6
2. Introduction 7
3. Types of Loan 8
4. Findings 37
5. Conclusion 37
6. Bibliography 38
COMPANY PROFILE:
HDB Financial Services Limited, a non-banking financial company, provides financing,
collection, and insurance services in India. Incorporated in 2008, we are a well-established
business with strong capitalization. HDBFS is accredited with CARE AAA & CRISIL
AAA ratings for its long-term debt & Bank facilities and an A1+ rating for its short-term debt &
commercial papers, making it a strong and reliable financial institution.The company operates
through Lending Business and BPO Services segments. It offers secured and unsecured loans,
including personal and business, doctor's, auto, gold, new to credit, enterprise business,
consumer durables, construction equipment, commercial vehicle, and tractor loans. The company
also provides loans against property, shares, ESOPs, securities, life insurance policies,
KVP/NSC, mutual funds, bonds, and lease rentals, as well as credit card balance payment loans.
In addition, it offers business process outsourcing services, which delivers back office.
INTRODUCTION:
What is Loan?
A loan is money, property or other material goods given to another party in exchange for future
repayment of the loan value amount, along with interest or other finance charges. A loan may be
for a specific, one-time amount or can be available as an open-ended line of credit up to a
specified limit or ceiling amount.
Loans can come from individuals, corporations, financial institutions and governments. They
offer a way to grow the overall money supply in an economy, as well as open up competition and
expand business operations. The interest and fees from loans are a primary source of revenue for
many financial institutions, such as banks, as well as some retailers through the use of credit
facilities.
Personal Loan
Credit Loan
Doctors Loan
Business Loan
Auto Loan
Two wheeler Loan
Gold Loan
Loan Against Property
Enterprise Business Loan
Loan against Shares
Credit Card Balance
Loan Against ESOPS
PERSONAL LOAN:
This loan is Provided for occasions like wedding, joining your child in a school, for vacations, to
fulfill and achieve your dreams and goals.
Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private
limited companies, Government Sector employees including public sector undertakings:
Eligibility Criteria:
Eligibility Criteria
Minimum Annual Income: ₹ 100000/- p.a. for Metro Locations & ₹ 75,000/- p.a. for non-metro
locations.
Eligibility Criteria
Self-employed (Pvt Cos and Partnership Firms) include Private Companies and Partnership
firms in the Business of Manufacturing, Trading or Services
Eligibility Criteria
DOCUMENTS REQUIRED:
Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private
limited companies, Government Sector employees including public sector undertakings:
Documents required:
Documents required:
Documents required:
Documents required:
No, CIBIL or Equifax score need not be a deterrent when you apply for Loans or Credit.
As a first time borrower, the usual challenge is discovering lenders who are willing to lend to
you due to limited or no credit history. To address this challenge, HDB offers you customized
Loan aimed for first time borrower like yourself.
Our proprietary New-To-Credit profiling engine starts off with data from the bureaus.
We then further build on it with secondary information from non-traditional data sources.
These non-traditional data sources help us to understand you better and make products
available to you despite your limited credit history.
Simple user interface helps you easily apply for loan at attractive interest rates, tenor and EMIs
so that you do not have to make a product decision in the dark.
Get a loan and at the same time build your credit score and history.
ELIGIBILITY CRITERIA:
REQUIRED DOCUMENTS:
Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private
limited companies, Government Sector employees including public sector undertakings:
Documents required:
HDB recognize your services and provide a range of schemes for easy loans.
Schemes are perfect for expanding scale of operations, provide better treatment facilities, raise
the level of service, etc. They provide a low interest rate and quick approval.
ELIGIBILITY CRITERIA:
BUSINESS LOAN:
Loans up to ₹ 30 Lakhs
Tenure ranging from 12 to 60 months
No guarantor/security required
Convenience of doorstep service
Attractive Rate of Interest
Minimum & Hassle-free Documentation
Special offers for self-employed Doctors
ELIGIBILITYCRITERIA:
Eligibility Criteria
Eligibility Criteria
Self-employed (Pvt Cos and Partnership Firms) include Private Companies and Partnership
firms in the Business of Manufacturing, Trading or Services
Eligibility Criteria
REQUIRED DOCUMENTS:
Documents required:
Documents required:
Self-employed (Pvt Cos and Partnership Firms) include Private Companies and Partnership
firms in the Business of Manufacturing, Trading or Services
Documents required:
AUTO LOAN:
HDB offers the best in class deals on Auto Loan. They offer quick doorstep service to fulfil your
dreams.
ELIGIBILITY CRITEERIA:
Salaried Individuals:
Eligibility Criteria
Eligibility Criteria
REQUIRED DOCUMENTS:
Salaried Individuals:
Documents required:
Documents required:
Proof of Identity: Passport / Voters ID / Driving License/ PAN Card/ Shops &
Establishment certificate/ Trade license certificate/ SSI registration certificate/ Sales Tax
/ VAT registration certificate
Address Proof: Utility Bill (anyone within last 3 months) /Shops & Establishment
certificate/Trade license certificate/ SSI registration certificate- Sales Tax /VAT
registration certificate/Ration card /Driving License/ Voter ID / Registered Rental
Agreement / Passport
Bank Statements - Latest 3 Months bank statements / 6 months’ bank passbook
Latest 2 years ITR along with computation of Income and latest 2 years Audited
Financials required (if applicable) along with Audit Report
Documents required:
HDB Financial Services brings to you attractive deals on Two Wheeler Loan with low down-
payment schemes.
24x7 Road side assistance will be provided with Two Wheeler Loan at no additional cost.
Quick Approval
Minimal Documentation
Avail Loan up to 95% of the on-road price of scooter/bike.
Flexible loan tenure ranging from 12 months to 36 months
Easy Repayment
Attractive Interest Rate
Road Side Assistance.
ELIGIBILITY CRITERIA:
REQUIRED DOCUMENTS:
o Driving License/ Voter's ID/ Utility Bill (Any One within last 3 months) OR
o Salaried: Latest Salary slip/ Last 3 months Bank Statement reflecting Salary
credits/ Latest Form 16/ Latest ITR
o Self-Employed: Latest ITR/ Latest Tax Challan with ITS 2/ Latest Sales Tax
Return/ Latest Audited Certified Reports/ TDS Certificate for same FY
o Own House proof / Agricultural Land ownership proof / Bank Statement – Last 3
months/ Own Car proof / Debit Card / Credit Card)
GOLD LOAN:
Tenure up to 48 months
Loan up to ₹ 20 Lakhs
Loan up to 75% the value of gold.
Attractive interest ratessafety and security of your gold jewellery
Flexible repayment options
No hidden charges
ELIGIBILITY CRITERIA:
Whether you are a salaried individual, professional or a businessman, we have loan designed to
suit your requirement
Eligibility Criteria
REQUIRED DOCUMENTS:
Whether you are a salaried individual, professional or a businessman, we have loan designed to
suit your requirement
Documents required:
Loan against Property is an ideal way to utilize and leverage your property to its full potential.
This all-purpose loan will help you fulfil your dream of taking your business to the next level or
have that home renovation you have been waiting for. Be it business or personal financial
requirements, you can mortgage your Residential or Commercial property to avail an attractive
low EMI Loan Against Property.
Loan up to 8 Crore
Loan up to 60% of the market value of the property
Tenure up to 180 months
Attractive interest rates
Simple and speedy processing
Balance transfer facility - Lets you retire your high cost debt
Loan against Rent Receivables - Lease rental discounting
Loans to purchase a new shop or office for your business
ELIGIBILITY CRITERIA:
No specific criteria
REQUIRED DOCUMENTS:
DOCUMENTATION
Whether you are a salaried individual, self-employed individual, partnership firm or private
limited company, we have a loan designed to suit your requirement.
Documents required
Salaried Individuals:
Proof of Residence - Any one of Ration Card / Telephone Bill / Electricity Bill / Voters
Card.
Proof of Identity - Any one of Voters Card / Drivers Licence / Employers Card.
Latest Bank Statement / Passbook (where salary / income is credited for the past 6
months).
Latest 3 Months Salary Slip with all deductions & Form 16 for the last 2 years
Copies of all Property Documents.
Self Employed:
Growth & Expansion of business is a pivotal need for every entrepreneur. For expansion comes
the need for funding, whether it is working capital for a big order or setting up new machinery
for faster production.
Loans up to 30 Lakhs
Tenure ranging from 12 to 60 months
No guarantor/security required
Convenience of doorstep service
Attractive Rate of Interest
Minimum & Hassle-free Documentation
Special offers for self-employed Doctors
ELIGIBILITY CRITERIA:
Eligibility Criteria
Eligibility Criteria
Self-employed (Pvt Cos and Partnership Firms) include Private Companies and Partnership
firms in the Business of Manufacturing, Trading or Services
Eligibility Criteria
REQUIRED DOCUMENTS:
Documents required:
Documents required:
Self-employed (Pvt Cos and Partnership Firms) include Private Companies and Partnership
firms in the Business of Manufacturing, Trading or Services
Documents required:
While being part of the Employee Stock Ownership Plan (ESOP) is a definite asset, you can now
utilise it to meet your liquid cash requirements.
ELIGIBILITY CRITERIA:
Salaried Individuals include salaried Doctors, CAs, employees of select public and private
limited companies, Government sector employees including public sector undertakings:
Eligibility Criteria
Eligibility Criteria
Self Employed (Individuals) include Sole proprietors, Partners & Directors in the Business of
Manufacturing, Trading or Services.
Eligibility Criteria
Self Employed (Private Companies and Partnership Firms) include Private Companies and
Partnership firms in the Business of Manufacturing, Trading or Services
Eligibility Criteria
REQUIRED DOCUMENTS:
Salaried Individuals include salaried Doctors, CAs, employees of select public and private
limited companies, Government sector employees including public sector undertakings:
Documents required:
Documents required:
Self Employed (Individuals) include Sole proprietors, Partners & Directors in the Business of
Manufacturing, Trading or Services.
Documents required:
Documents required:
Address Proof (Utility Bill (any one within the last 3months) / Registered Rental
Agreement / Trade licence /Est./Sales Tax certificate).
Bank Statements(latest 6 months bank statement /passbook)
Latest ITR along with computation of income, Balance Sheet & Profit &Loss account for
the last 2 years certified by a CA
Proof of continuation (Trade licence /Establishment /Sales Tax certificate/ SSI
Registration)
Other Mandatory Documents (Sole Proprietary Declaration or Certified Copy of
Partnership Deed, Certified true copy of Memorandum & Articles of Association
(certified by Director) & Board resolution (Original).
Why pay minimum amount on your credit card and pay high interest rate?
We are pleased to offer the convenience of Personal Loan through which you can pay off your
Credit Cards debt at a much lower interest cost.
This will reduce interest cost by 50% on your credit card outstanding.
Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private
limited companies, Government Sector employees including public sector undertakings:
Eligibility Criteria
Eligibility Criteria
Eligibility Criteria
REQUIRED DOCUMENTS:
Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private
limited companies, Government Sector employees including public sector undertakings:
Documents required:
Documents required:
Documents required:
COMPETITORS:
BAJAJ FINSERV
MUTHOOT FINANCE LTD
DHFL( Dewan Housing Finance Corporation)
Sundaram Finance
1.If you have EMI card you need not submit the documents again for next purchase.
3. The moment you choose your EMI plan and swipe your card, you get an instant approval
subject to the amount pre-approved to you.
4. As existing customer, you get exclusive pre-approved offers from time to time.
5. You can choose to foreclose your loan anytime without any extra charges.
HOW TO PROCESS LOAN:
At first in order to process the loan they will check the cibil score and if the score is above 720
then they will process the loan.
FINDINGS
The HDBFS main draw back is they don’t provide EMI cards where as others provide
When compared to bajaj finserve it is a time taking process to process the loan.
CONCLUSION:
Most of the people doesn’t have idea about the company so they have to advertise more.