Personal Loan Digital Application Form

Dear Borrower,
This refers to the terms and conditions / application accepted by you online in relation to the loan / facility.
Enclosed herewith are the following documents (in a single PDF file) in this regard:
1) Digital Application form.
2) Schedule of charges.
3) Privacy Policy.
Personal Loan Digital Application Form:

Application Number: DPL206473150 Application Date (MM/DD/YYYY): 5/3/2024 12:38:14 PM
Personal Details:
Customer ID
Full Name Sourav Khanra
Gender Male
Date of Birth (MM-DD- 11/12/1996
YYYY)
Mobile Number 8001368223
PAN IWSPK8481D
Personal Email ID Souravkhanra03@gmail.com
Residence Address Astara, .,
Astara primary school, Astara primary school,
West Bengal, Hooghly, 712401
Residence Address Type Rented - with family
Aadhaar Address Astara, .,
Astara primary school, West Bengal,
Hooghly, 712401
Permanent Address , ,
, ,
,,0
Employment Details:
Employment Type Salaried

Employer Name Hinduthan private limited company
Office Address Liluah, 105, Dhormotola road,
, West Bengal,
Haora, 711204
Office Phone 0 8240885345
Office Email ID Souravkhanra058@gmail.com
Preferred Communication Address: Residence
Income Details:
Net Monthly Salary ₹35,000.00

Monthly Obligation* ₹0.00
Bank Details:
Bank Name UCO BANK

Account Number 06670110080238
Branch Code
Application Details:
Loan Amount Applied(Rs.)* ₹3,00,000.00

Loan Tenure*(Years) 5.0 years
Interest Rate* 12.50
Processing Fee*
Purpose of Loan PERSONAL USE
Additional Details:
Reference Name Alock maji

Reference Contact 7001996928
Religion
Caste
Bank Use Section:
Channel DAP
Branch Code
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Regd. Office: HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai - 400 013
DSA Code 10814
SM Code L1346
SE Code
LG Code
LC Code
Sales Promo Code NORM-VC
Document Uploaded:
I/We confirm having submitted the following documents (ticked below) along with this loan application form to the Bank:
Photograph Yes
Identification document No
Residence Proof No
Income Proof No
SCHEDULE-CUM-KEY FACT SHEET

Application Agreement Date
DPL206473150 5/3/2024 12:38:14 PM
ID (YYYY/MM/DD)
Name of
the
HDFC Bank Ltd. Borrowing Purpose Personal Use
Regulated
entity
Sourav Khanra
Astara, .,
Name &
Astara primary
Address of
school, Astara primary Borrower Registered Email ID Souravkhanra03@gmail.com
the
school,
Borrower
West Bengal,
Hooghly, 712401
LOAN DETAILS & CHARGES

Sr. Details (given below for illustrative computation purposes
Premature closure charges (for full payment)
No. only)
Loan amount applied for Premature closure charges (computed on principal outstanding) post
i ₹3,00,000.00
(in Rupees) * cooling off / look-up period
Total interest charge
ii during the entire tenor of ₹1,04,940.00 -- Up to 24 EMI repayment
the loan (in Rupees) *
Other up-front charges,
if any (break-up of each
iii 3499 -- 4% of principal outstanding
component given below)
(in Rupees) *
Processing fees, if any (in
a Post 24 EMI and up to 36 EMI repayment – 3% of principal outstanding
Rupees) *
Stamp Duty & Other As per applicable laws of the
b Post 36 EMI repayment – 2% of principal outstanding
statutory charges * state
Pre-EMI Interest This will be stated at the time
c (deducted from of actual loan disbursal basis Government taxes and other levies as applicable, would be charged additionally.
disbursement)* loan approval
Applicable at the time of
iv Total Insurance disbursal as per customer's
consent Premature closure charges [Computed on part-payment amount] for Partial
Applicable at the time of payment:-
Sarv Surkasha, If any (in
a disbursal as per customer's
rupees) *
consent - Partial Premature closure is allowed post payment of first EMI.
This will be stated at the time - Post 01 EMI and up to 24 EMI repayment - 4% of part-payment amount.
b Credit Protect* of actual loan disbursal basis - Post 24 EMI and up to 36 EMI repayment - 3% of part-payment amount.
loan approval - Post 36 EMI repayment- 2% of part-payment amount.
Tentative net disbursal
v 296501
amount (in Rupees) * Government Taxes and other levies as applicable, would be charged additionally.
Total amount to be paid
vi by the borrower/dealer ₹4,08,439.00 - Partial premature closure is allowed up to 25% of Principal Outstanding, only
(in Rupees) * once in the financial year and twice during the loan tenure.
Interest Rate (monthly
vii 12.50
reducing) (Fixed Rate)*
Loan Cancellation & Rebooking Charges:
Annual Percentage
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Rate* - Effective Loan Cancellation Charges:
annualized interest rate
(in percentage) Loan cancellation is allowed within cooling off/ look-up period from the loan
viii (computed on tentative 13.02 % disbursement date. In the event of loan cancellation, interest charged from date
net disbursal amount of disbursement till the date of loan cancellation will be borne by the customer.
using IRR approach and Processing Fee, Stamp duty, other statutory charges and GST are non-refundable
reducing balance charges and would not be waived/refunded in case of loan cancellation.
method)
Rebooking Charges- Rs. 1000/- + applicable government taxes
Payment Return Charges: without prejudice Rs 450 + applicable government
Tenor of the Loan (in
ix 60 to the civil and criminal rights and remedies taxes per
months)*
of the bank for the dishonour instance.
18% p.a. plus applicable
Repayment frequency by
x Monthly Delayed instalment payment charge government taxes on overdue
the borrower
instalment amount
Number of instalments of
xi 60 Re-payment mode change charges Rs. 500/-
repayment
Rs 50/- per instance for Physical
Amount of each
Amortization Schedule / Repayment copy. Customer can also
xii instalment of repayment 6749
Schedule Charges download from website free of
(in Rupees)*
cost.
xiii EMI Start Date - Legal Collection & Incidental Charges: At Actuals
xiv EMI End Date - Details of Security / Collateral -
Arrear (except the Pre-EMI
EMI scheme (Advance / Date on which annual outstanding
xv interest which will be in 31st May
Arrears) balance statement will be issued
advance)
Other Charges, commissions, fees:- As per Application or as may be specified
xvi Advance EMIs (Nos.) NIL
by the Bank
xvii Advance EMI amount Rs. 0/- Taxes: At actuals, applicable presently on in future
OTHER DISCLOSURES
Cooling off/look-up period
during which borrower shall
xviii not be charged any 3 Days
penalty on prepayment of
loan
In the event of default, the details of authorised associate to approach for recovery of dues will be intimated to
Details of LSP acting as you through a payment reminder communication and any change in details would be intimated to you thereon. List
recovery agent and of authorised associates empanelled for handling collections are updated on the bank’s website
xix
authorized to approach the
borrower
https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Common
Overlays/Feedback/PDFS/Banking Ombudsman Scheme/Active-Collection-Vendor-List.pdf for reference.
Name, designation, address
and phone number of nodal Name of nodal grievance redressal officer: Mr. Kannan Ramaseshan Designation: Grievance Redressal Officer
grievance redressal officer Address of nodal grievance redressal officer: Grievance Redressal Cell, HDFC Bank Limited, 1st Floor, Empire Plaza -
xx designated specifically to 1, Lal Bahadur Shastri Marg, Chandan Nagar, Vikroli West, Mumbai – 400083. Call: 1800 266 4060, On: Monday to
deal with FinTech/ digital Saturday, From: 9.30 am to 5.30 pm This facility is not available on 2nd & 4th Saturdays, all Sundays and Bank
lending related complaints/ Holidays.
issues
Privacy Policies of the
xxi https://www.hdfcbank.com/personal/useful-links/privacy
HDFC Bank
1. All the above service charges/fees/Commissions are exclusive of taxes.
xxii 2. 10% discount to senior citizens on all the charges
3. *Value mentioned is indicative and subject to revision as per Terms and Conditions / Agreement at the time of disbursement
* Foreclosure, Part-payment, Processing Fees, Cheque/SI/ECS Return charges, Collateral, Documentation and Valuation charges are exclusive of
government taxes.
Government taxes and other levies, as applicable, would be charged additionally.
Most Important Terms and Conditions and Declaration by the Customer
I/We agree and confirm:
(1) To the applicable schedule of charges, fees, commissions including the key facts informed to me by HDFC Bank Ltd. (Bank) and as more particularly
mentioned in the “Schedule of Charges” of this Application.
(2) That the banks representative/ staff will not receive any payment in cash/ bearer cheque or kind along with or in connection with this loan
application from me/us.
(3) That no discount or free gift or any other commitment whatsoever is given to me/ us by the Bank or any of its authorized representative(s) other
than what is not documented in this application form the Terms and Conditions/ Agreement pursuant to the Loan.
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(4) The Bank shall not process incomplete/ defective application form, for which if any loss or delay is caused to me/ us, I/We will not hold the Bank
liable for such loss or delay.
(5) That Loan processing and disbursement will take at least 7 working days post submission of all requisite documents and information as may be
required by the Bank as per Banks criteria.
(6) That submission of loan application to your bank does not imply automatic approval by the Bank and the Bank will decide the quantum of the loan
at its sole and absolute discretion. The Bank in its sole and absolute discretion may either sanction or reject the application for granting the loan.
(7) That the Bank shall have the right to make disclosure of any information relating to me/us including personal information, details in relation to Loan,
defaults, security etc., to the Credit Information Bureau of India (CIBIL) and/or any other governmental / regulatory / statutory or private
agency/entity, credit bureau, RBI, the Banks other branches / subsidiaries / affiliates / rating agencies, service providers, other banks / financial
institutions, any third parties, any assignees / potential assignees or transferees, who may need process and publish the information in such manner
and through such mediums as it mat be deemed necessary by the publisher / Bank / RBI, including publishing the name as part or wilful defaulters list
from time to time, as also use for KYC information verification, credit risk analysis, or for other related purposes.
(8) The Bank reserves its right to reject the loan application and retain the loan application form along with the photograph, information and
documents.
(9) That I/ We shall furnish any additional documents as and when required by the Bank.
(10) That I/ We have not taken any loan from any other bank/ finance company unless specifically declared by me/ us.
(11) That there is no impediment or restriction (whether legal or judicial) against me/us and/or our asset filed/reported by any other bank/ financer/
bank.
(12) That the funds shall be used for the purpose for which loan has been applied and will not be used for speculative or antisocial purpose.
(13) I/ We do not have any existing customer ID or customer ID apart from the one mentioned above, and in case found otherwise, Bank reserves the
right to consolidate the customer IDs under a single customer ID as it may decide, without any prior notice to me/ us.
(14) That I/We hereby authorize and give consent to the Bank to link Aadhaar No. with account/s maintained with HDFC Bank.
(15) That the information furnished by me/ us above is true and accurate.
(16) That I am interested in buying insurance policy/ies and would like to make enquiries for the same. I hereby consent to receive information /
services through Telephone / Mobile / SMS / E-mail / any other mode of communication from the Bank.
(17) I/We hereby expressly consent to and authorise the Bank (whether acting by itself or through any of its service providers, and whether in
automated manner or otherwise), to do and undertake any of the following, in relation to the personal data and sensitive information about me/us,
information, papers and data relating to KYC, credit information, and any other information whether about me/us or not as may be deemed relevant by
the Bank for its purposes (collectively, “Information”): I) to collect the Information from me and other physical or online sources including accessing
the same from credit information companies, websites, data bases and online platforms (whether public or not); to get the authenticity, correctness,
adequacy, etc. of the Information verified from any sources and persons including from online data bases; and to act for and on my/our behalf for
such accessing, collecting or verifying of the Information including using my/our log in and password credentials on the online platforms; such
collection, access and verification may be done without any notice to me/us; ii) process Information including by way of storing, structuring,
organising, reproducing, copying, using, profiling, etc. as may be deemed fit by the Bank; iii) to store the information for such periods as may be
required for contract, by law or Banks evidential and claim purposes, whichever is longer; iv) to share and disclose the Information to service
providers, consultants, credit information companies, other banks and financial institutions, affiliates, subsidiaries, regulators, investigating agencies,
judicial, quasi-judicial and statutory authorities, or to other persons as may be necessary in connection with the contractual or legal requirements or in
the legitimate interests of the Bank or as per the consent; v) any of the aforesaid may be exercised by the Bank for the purposes mentioned above,
for the purposes of credit appraisal, fraud detection, anti-money laundering obligations, for entering into contract, for direct marketing, for developing
credit scoring models and business strategies, for monitoring, for evaluating and improving the quality of services and products, for other legitimate
purposes or for any purposes with consent. I/We expressly agree to and subject me/us to the automated processing, automated profiling and to the
automated decision making by or on behalf of the Bank.: I) to collect the Information from me and other physical or online sources including accessing
the same from credit information companies, websites, data bases and online platforms (whether public or not); to get the authenticity, correctness,
adequacy, etc. of the Information verified from any sources and persons including from online data bases; and to act for and on my/our behalf for
such accessing, collecting or verifying of the Information including using my/our log in and password credentials on the online platforms; such
collection, access and verification may be done without any notice to me/us; ii) process Information including by way of storing, structuring,
organising, reproducing, copying, using, profiling, etc. as may be deemed fit by the Bank; iii) to store the Information for such period as may be
required for contract, by law or for Bank’s evidential and claims purposes, whichever is longer; iv) to share and disclose the Information to service
providers, consultants, credit information companies, other banks and financial institutions, affiliates, subsidiaries, regulators, investigating agencies,
judicial, quasi-judicial and statutory authorities, or to other persons as may be necessary in connection with the contractual or legal requirements or in
the legitimate interests of the Bank or as per the consent; v) any of the aforesaid may be exercised by the Bank for the purposes mentioned above,
for the purposes of credit appraisal, fraud detection, anti-money laundering obligations, for entering into contract, for direct marketing, for developing
credit scoring models and business strategies, for monitoring, for evaluating and improving the quality of services and products, for other legitimate
purposes or for any purposes with consent. I/We expressly agree to and subject me/us to the automated processing, automated profiling and to the
automated decision making by or on behalf of the Bank.
18. I/We hereby confirmed that, the above information furnished by me/us is true and correct to best of my/our knowledge. I/We authorize HDFC Bank
Limited to make any enquiries regarding above information
Other declarations:
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I We:
(1) shall advise the HDFC Bank Ltd. (Bank) in wilting of any change in my/ our residential or employment address.
(2) hereby authorize and give consent to the Bank to disclose, without notice to met us, information furnished by me/ us in the application form(s)/
related documents executed/ to be executed In relation to the facilities to be availed by me/ us from the Bank, to the Banks other branches/
subsidiaries/ affiliates! Credit Bureaus! Rating Agencies! Service Providers. banks/ financial institutions. governmental/ regulatory authorities or third
parties for information verification, credit risk analysis, or for other related purposes that the Bank may deem fit. I/ We waive the privilege of privacy
and privity of contract.
(3) shall credit all sums received by you in either or all the names of this account.
(4) hereby confirm having received. read and understood the terms and conditions applicable to this loan including the application form and the Terms
and Conditions/Agreement and accept the same.
(5) hereby unconditionally, agree that these terms may be changed by the Bank at any time and I / We will be bound by the amended terms and
conditions.
(6) Confirm that I/ We are citizen of India.
I/We also confirm that the executive collecting my loan Application Document has informed me / us:
(1) that Government Tax and Levy is applicable and will be charged in connection with the loan.
(2) all the commissions (in the form of up front and trail commissions) payable to HDFC Bank for the insurance policy recommended to me/us.
(3) Loan cancellation is allowed within cooling off/look-up period from the loan disbursement date. In the event of loan cancellation, interest charged
from date of disbursement till the date of loan cancellation will be borne by the customer. Processing Fee, Stamp duty, other statutory charges and
GST are non-refundable charges and would not be waived/refunded in case of loan cancellation.
(4) That all the post-dated cheques are to be issued favouring HDFC Bank Limited A/c only.
(5) that loan related information like welcome letter, "repayment schedule". Terms and condition", -disbursal advice (as applicable to Personal Loan/
Business Loan)". will be sent on the e-mail id mentioned by met us in this loan application form.
(6) that I/ We can log on to HDFC Bank Net Banking (www.hdfcbank.com) to view the welcome fetter and repayment schedule.
I/ We may also request for a physical copy of Welcome Letter and Repayment Schedule separately if need be.
*This is a system generated document and does not require any signature.
Privacy Policy
This Privacy Policy outlines HDFC Bank Limited’s approach to processing of Data.
HDFC Bank is committed to treating data privacy seriously. It is important that you know exactly what we do with the personal data you and others
provide to or for us, why it is processed and what it means to you. Please read this Privacy Policy carefully.
Definitions
The following capitalised terms shall have the meanings assigned to them as under:
“Bank” or “HDFC Bank” shall have the meaning as ascribed to the term in the first paragraph of this Privacy Policy.
“Covered Person(s)” or “You” shall have the meaning as ascribed to the term in the ‘Applicability’ section of this Privacy Policy.
“Data” shall have the meaning as ascribed to the term in the ‘Data’ section of this Privacy Policy.
“Derivation” shall have the meaning as ascribed to the term in the ‘Data’ section of this Privacy Policy.
“Derivative Data” shall have the meaning as ascribed to the term in the ‘Data’ section of this Privacy Policy.
“Processing Entity” shall have the meaning as ascribed to the term in the ‘Who we share your Data with?’ section of this Privacy Policy.
“Product(s)” shall have the meaning as ascribed to the term in the ‘Applicability’ section of this Privacy Policy.
“Specified Purposes” shall collectively mean, credit assessment, risk assessment, risk analysis, obtaining credit information reports, scores, scrubs,
fraud checks, fraud detections, fraud prevention, detecting and preventing crime including crime/ terror funding, detecting malpractices or discrepant
documents or information, prevention of misuse, assessment of credit worthiness, financial standing, due diligence, background check, physical and
other inspections, verifications, obtaining any reports for any of the above, KYC/ AML checks, customer service, monitoring, collections, default
detection, default prevention, default investigation, recovery, any legal proceedings, actions, enquiries, investigations, pursuing any remedies,
enforcing rights, reporting including credit reporting, KYC reporting, default reporting, filing, perfections etc., whether any of these are undertaken
internally or through any Processing Entity or through a combination of multiple options.
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Applicability
This Privacy Policy applies to personal data of any natural person (“Covered Person(s)” or “You” or any cognate variations thereof) which is processed
by or for HDFC Bank, whether in physical or electronic mode. This Privacy Policy applies in relation to all products, services and/or businesses [of our
own/ of subsidiaries/ affiliates, or where we/ subsidiaries/ affiliates distribute, refer or act as agent or act as a sponsor bank or a Payment Service
Provider (PSP) bank etc. in relation to any products or services, including any credit facilities, credit cards, debit cards, forex instruments, cheques,
any other payment instruments, remittance services (both inward and outward), currency exchange services, prepaid payment instruments, loans, any
other credit transactions or products or services, insurance products, investments, wealth management, estate management, credit assessment,
financial products, advisory services, investment advisory services, capital markets, demat accounts, trading accounts, savings or current accounts,
any other accounts, deposits, transfers, referrals, cash management, payment services and products, payment gateway, wallets, merchant acquiring,
PSP services, Third Party Application Provider (TPAP) services, Unified Payments Interface (UPI), Point of Sale (POS) services, collections,
distributions, agencies, trusts etc. (collectively “Product(s)” including where the initiation of any transaction is not directly with us but is with a
relevant Processing Entity like in case of a UPI transfer through a TPAP where your account is not with us but we are a PSP bank)], intermediaries or
consultants, Products as applicable to the Covered Persons, whether we are in direct relationship or indirect relationship through any other
intermediary/ entity, visàvis you, as also if you are an authorised signatory or authorised person or representative of a nonindividual applicant/
customer/ user of any services, whether direct or indirect. Your Products’ terms and conditions will cover specific matters in addition to this Privacy
Policy and this Privacy Policy does not limit any of those specific matters or any other consent that you may have given or may give to or for the
benefit of HDFC Bank. Therefore, please also read such specific terms and conditions in relation to the Products and such other consents, wherever
applicable.
Who we are:
Throughout this document, “we”, “us”, “our” and “ours” or any cognate variations thereof refer to HDFC Bank.
“HDFC Bank” or “Bank” means: HDFC Bank Limited having its registered office at Senapati Bapat Marg, Lower Parel (West), Mumbai 400013, Mumbai,
India.
Website: https://www.hdfcbank.com/
Our contact details are given at the end of this Privacy Policy.
Data
The personal data collected or received falls into various categories as under:
? Identity & contact information

o Name, address, signatures, biometric data, date of birth, copies of identity cards (ID), contact details including email id and phone
number, address, previous names, maiden names, marital status, relatives information, nomination, medical condition, domicile, origin,
citizenship, nationality, residence, any legal or other identifiers like Permanent Account Number (PAN)/ Taxpayer Identification Number
(TIN)/ Aadhaar/ National ID/ Social Security Number/ or its equivalent, Photograph and Gender.
o Data that identifies (whether directly or indirectly) a particular individual, such as information you provide on any forms, surveys, online
applications or similar online fields.
o Demographic information that you provide and aggregated or de-identified Data.
? Financial details/circumstances
o Bank account details, investments history, credit/debit card details, prepaid payment instrument details, any other instrument/
modality/ function details, UPI handles, income details, history in relation to these.
o Employment / occupational information.
o Residential status under banking, general and tax laws.
o Spending/saving/investing/payments/receipts/borrowing history.
o Risk profile, financial objectives, financial knowledge and experience, preferences and any other information to assess the suitability of
the Products to you.
o Information collected when you make or receive payments.
o Other information such as information relating to occupation and financial situation such as employer’s name and address, if self
employed, type of account, and nature and volume of anticipated business dealings, with the conventional bank licensee, income proof,
bank statements, income tax returns, salary slip, contract of employment, passbook, expenditure, assets and liabilities, source of wealth
and signature.
o Data that is collected when you make financial and non-financial transactions. Data may include information associated with the
transaction such as amount sent or requested, amount paid for Products or merchant information, including information about any
funding instruments used to complete the transaction.
? Information you provide about others or others provide about you

o If you give information or data about someone else (for example, information or data about a spouse or financial associate provided
during the course of a joint application with that person), or someone gives information about you, may be added to any Data that is
already held about you and can be used in the ways described in this Privacy Policy.
o Your Data from third party providers: In order to enhance our ability to provide relevant marketing, offers, and services to you, Data
about you is obtained from other sources with your consent, such as email service providers, public databases, joint marketing partners,
social media platforms, as well as from other third parties as appropriate.
o Information including Data from credit information companies/ credit reference agencies, risk management and fraud prevention
agencies, national and government databases.
o Information including Data from other parties and entities where we are a part of a transaction in one or more roles even though we
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may not be directly interfacing you, for example during the course of remittances being initiated by you through your bank to a
beneficiary whose bank account is with us.
o Data of authorised signatories or authorised persons or representatives of non-individual applicants/ customers/ users of any services,
whether direct or indirect.
? Information from online activities.

o Information about your internet activity is collected using technology known as cookies, which can often be controlled through internet
browsers. For detailed information on the cookies used and the purposes for which they are used, see our Cookie Policy, which is
available on our website.
o Your digital and electronic devices where various checks are performed are designed to ascertain and verify your residency to ensure
we meet our regulatory obligations. These checks include identifying and collecting your location (with your specific permission) and the
IP address your device connects from and the collection of information about your use of the website or mobile app (including device
type, operating system, screen resolution, and the way you interact with us).
o Information about your Internet browser, IP address, information collected through tracking technologies.
o Unique device identifier such as International Mobile Equipment Identity (IMEI) number, technical usage data, contact lists (in some
cases where specific permission is obtained), technical data about your computer and mobile device including details regarding
applications and usage details.
o Information such as your fingerprint, etc. that you choose to provide to us. We will not collect your biometric information without your
explicit consent.
o Generation and storing password or PIN in encrypted form.
? Other personal information

o Information in relation to data access, correction, restriction, deletion, porting requests and complaints.
o CCTV images and Data at our Bank branches, offices and ATMs (but only for security reasons and to help prevent fraud or crime).
o Conversations during meetings/calls/correspondences/discussions with bank staff.
o Social relationships detail such as your father’s name, spouse’s name and mother’s name;
o Behavioural details as to how to utilise our Products, offers etc., your browsing actions, patterns and online activity;
o Records of correspondence and other communications with you, including email, telephone conversations, live chat, instant messages
and social media communications containing information concerning your grievances, complaints and dispute.
o Any other information, Data or records which you may consent to be collected or used.
Out of the aforesaid data points, the following are ‘sensitive personal data or information’:
1) password
2) financial information such as Bank Account or Credit Card or Debit Card or other payment
instrument details;
3) physical, physiological and mental health condition;
4) sexual orientation;
5) medical records and history;
6) biometric information; and
7) any detail relating to the above clauses as provided by you.
Provided that, any information that is freely available or accessible in
Provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other
law for the time being in force shall not be regarded as ‘sensitive personal data or information’.
Any of the aforesaid data (whether personal data or sensitive personal data or information), information, know your customer (KYC) related data, any
derivative thereof ("Derivative Data”) like any credit scores or behavioural projections, profiling, analytical results, reports (prepared by us or others)
including through any algorithms, analytics, software, automations, profiling etc., and whether such derivative is from the information collected from
you or in combination with any other information sourced from any other person, database or source whether by us or others, shall collectively be
referred to as “Data” and any part of the process relating to arriving at the Derivative Data as above, whether through internal or external sourcing,
shall be referred to as “Derivation”.
When and how your Data is collected?
Your Data may be collected or processed through any of the following:
? When you submit the Data to us including when you ask for certain Products.
? When you use the Products.
? During the course of transactions.
? When you apply for the Products, make enquiries or engage with us or with any other person where we are involved for any other person in the
transaction concerning you.
? Data collected during credit assessment, risk assessment, fraud checks, fraud detections, processes undertaken for fraud prevention, detecting
malpractices or discrepant documents or information, prevention of misuse, assessment of credit worthiness, evaluation of financial standing, due
diligence, background check, physical and other inspections, verifications, KYC/ Anti Money Laundering (AML) checks, monitoring, collections,
recovery, customer service etc.
? When you use our website and online services provided by us (including mobile applications) and visit our branches or offices.
? When you email or call or respond to our emails/phone calls or during meetings with our bank staff or its service providers or representatives.
? When you or others give the Data verbally or in writing. This Data may be on application forms, in records of your transactions or if you make a
complaint.
? From information publicly available about you. When you make Data about yourself publicly available on your social media accounts or where you
choose to make the Data available through your social media account, and where it is appropriate to be used.
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? During or as a result of Derivation, from any person possessing the same or sourcing any Data therefor.
? From any persons involved in any payment system or infrastructure or architecture of which HDFC Bank is a part including National Automated
Clearing House (NACH), UPI, Electronic Clearing Service (ECS), ATM portability, Immediate Payment Service (IMPS), Real Time Gross Settlement
(RTGS), National Electronic Fund Transfer (NEFT) etc., or from any persons (including TPAP) to whom the Bank acts as a service provider, distributor,
agent, referral entity, promoter, marketer, sponsor bank, PSP bank, trustee, etc., where you are part of any payment or withdrawal or transaction or
purchase/ sale/ distribution of any Product, whether as payee, payer, beneficiary, intermediary, distributor etc. and whether your interface/
interaction is directly with us or not or with any such other person or any platform/app.
? Data collected through cookies.
By accepting this Privacy Policy or by applying for or using any Product (including where the initiation of any transaction is not directly with us but is
with a relevant Processing Entity like in case of a UPI transfer through a TPAP where your account is not with us but we are a PSP bank), you agree
that any person who submits any Data or part thereof to us or from whom we source the same (including Derivation), shall be deemed to have been
authorised by you to submit such Data to us and you hereby further authorise the processing of any such Data by us or for us, for any of the
purposes mentioned in this Privacy Policy.
How we process your Data?
Whether we’re using it to confirm your identity, to help in the processing of an application for any Products or to improve your experiences with us,
your Data is always handled with care and the principles outlined in this Privacy Policy are always applied.
Purposes of processing Data:
The processing of the Data may be done by us or any of the Processing Entities for any of the following purposes, and you agree and consent to the
same:
? To provide you with Products.
? To manage relationships with you.
? For enabling your use of Products.
? For processing or executing transactions.
? For enabling any applications/ requests for any Products, for processing any such applications/ requests, for performing any contract pursuant
thereto and for undertaking any Specified Purposes in relation to any of the above.
? To perform activities such as data analysis, audits, usage trends to determine the effectiveness of our campaigns and as input into improving
Products.
? For credit scoring, credit analysis, risk analysis, obtaining any reports, credit scores, credit information, scrubs, for assessing and undertaking/
evaluating financial standing, fraud check, fraud probability, reference checks, due diligence, inspections, etc. including from or through any credit
information companies, bureaus, fintech entities or service providers.
? For enabling use of our website, platforms, and online services (including mobile or web applications) and visiting our branches or offices.
? To contact you or to establish contact with you or your whereabouts.
? To allow you to utilize features on platforms/ apps by granting us access to Data from your device.
? For security, business continuity and risk management.
? For system or product development and planning, audit and administrative purposes.
? To personalize your platform/ app experience.
? To improve customer/ user experience.
? To inform you about important information regarding our Products, changes to terms, conditions, and policies and/or other administrative
information; Where processing is necessary for the performance of a contract to which you are a party or in order to take steps prior to entering into
a contract. To take actions that are necessary in order to provide you with the Products (performance of a contract), for example, to make and
receive payments.
? Where processing is necessary because of a legal or regulatory obligation that applies to us.
? Where processing is necessary for the purposes of the legitimate interests pursued by us or by a third party. Processing may be required to meet
our legitimate interests, for example, to understand the customer behaviour, customer expectations, to build analytical models, or to understand how
customers use or respond to the Products, or to develop new Products, as well as improve the Products we currently provide. This may also include
sharing of your Data either as part of a sample or specifically or generally with any potential or actual service provider or consultant or vendor or third
party or Processing Entity, for the purposes of testing of proof of concept, where the utility, workability, efficacy, authenticity of any solution or
service proposed or being rendered by any such person may be tested, and any such person may process such Data along with any other data it may
have or source externally, for the purpose of running or pilot running or testing of the proposed solution or service and to submit the results to us
along with the Data and any other data which such person may have or source. You agree that such sharing of Data and processing thereof and
testing of proof of concept is in our legitimate interest to improve our efficiency, customer service, product delivery, to prevent frauds, etc. and
ultimately is a necessary part of developing the ecosystem where customers and potential customers including you, benefit.
? Where processing is necessary to protect your interests where we need to process your Data and you are not capable of providing consent
(emergency situations).
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? Subject to a specific consent (obtained separately from this Privacy Policy), to allow you to participate in surveys and other forms of market
research, contests and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain
additional information about how Data is used and shared.
? To allow you to apply for Products (e.g., to prequalify for a loan, apply for a credit card, or to open an account, investment account, insurance or
other financial product) including to pre-populate any Data during any application whether directly by us or through any service provider on any
platform.
? Subject to your specific consent in this regard, to sell, cross-sell, distribute or refer to you any Products (by us or through any of the Processing
Entities) and for such purpose we may assess your credit worthiness or your eligibility through such means as feasible and for such activity we may
also share the Data with/ receive from third parties.
? Where we have your consent to do so.
? We may also contact you or send you messages, notifications or alerts by post, telephone, text, email, through social media, POS machines and
other digital methods, including for example via our ATMs, mobile applications, push notifications, or online banking services (and new methods that
may become available in the future).
? For any purposes which are incidental or necessary to any of the aforesaid purposes.
You agree that HDFC Bank may engage with any Processing Entity, for any of the aforesaid purposes or part thereof for any incidental or ancillary
purposes, and may accordingly share Data with any of them and allow them to further process/ share the same, for the said purposes.
Automated processing
The way your personal information is analysed in relation to the Products including applications, credit decisions, determining your eligibility for the
Products, may involve automated profiling and decision making, this means that your Data may be processed using software that is able to evaluate
your personal aspects and predict risks or outcomes as also where the decision making may be automated.
We may also carry out automated anti-money laundering and sanctions checks. This means that we may automatically decide that you pose a fraud or
money laundering risk if the processing reveals your behaviour to be consistent with money laundering or known fraudulent conduct, is inconsistent
with your previous submissions, or you appear to have deliberately hidden your true identity.
Who we share your Data with?
We may share the Data with the following persons and/or in the following circumstances:
? With subsidiaries and/or affiliates in an effort to bring you improved services across our family of Products, when permissible under relevant laws
and regulations or with consent.
? With service providers, vendors, agents etc. who perform services for us or assist us/ our subsidiaries/ affiliates to operate the business or
provide the Products or services (own or where we/ our subsidiaries/ affiliates distribute, refer or act as agent etc.), intermediaries or consultants.
? Entities or persons with whom we have tie-ups for the co-branded services, products or programs, any rewards programs or loyalty programs,
any benefits, offers, features or any similar arrangements.
? With co-lenders, co-originators, collaborators, and persons with whom the Bank may have a tie-up for any Products.
? Other third parties to comply with legal requirements such as the demands of applicable warrants, court orders; to verify or enforce our terms of
use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect
the rights, property or security of our customers or third parties.
? We may share your Data, without obtaining your consent or without intimating you: (a) with governmental, statutory, regulatory, executive,
law-enforcement, investigating or judicial/ quasi-judicial authorities, departments, instrumentalities, agencies, institutions, boards, commissions,
courts, tribunals, who ask for such Data including by way of an order, direction, etc; or (b) with any person, where disclosure is necessary for
compliance of any legal or regulatory obligation. Wherever the Data is shared as above, we will not have control over how such Data is further
processed by such authorities, persons, etc. (both under ‘a’ and ‘b’ above).
? Credit information companies, bureaus, fintech entities or service providers for the purposes of obtaining any reports, credit scores, credit
information, scrubs, financial standing, fraud check, fraud probability, reference checks, due diligence, inspections, risk analysis etc.
? With any persons involved in Derivation.
? With any persons involved in any payment system or infrastructure or architecture of which HDFC Bank is a part including NACH, UPI, ECS, ATM
portability, IMPS, RTGS, NEFT etc. or with any persons (including TPAP) to whom the Bank acts as a service provider, distributor, agent, referral
entity, promoter, marketer, sponsor bank, PSP bank, trustee, etc. where you are part of any payment or withdrawal or transaction or purchase/ sale/
distribution of any Product, whether as payee, payer, beneficiary, intermediary, distributor etc. and whether your interface/ interaction is directly with
us or not or with any such other person or any platform/app.
The Data may also be shared by any of the aforesaid entities/ persons with their service providers, consultants, agents, subsidiaries, affiliates, co-
brand entity/partner, distributors, selling/ marketing agents, any partners, fintech companies, other players/ intermediaries in any ecosystem of which
we are a part, TPAPs (for whom we act as PSP bank), collaborators, colenders, co-originators, merchants, aggregators, lead generators, sourcing
entities, clients, customers or other persons with whom we have a tie-up or contract for any products or services etc. for any of the aforesaid
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purposes or any purposes incidental or necessary thereto. Any person or entity with whom the Data or any part thereof is shared by us or further
shared by any of them, for any of purposes under this Privacy Policy, shall be referred to as a “Processing Entity”. [Wherever the Data is shared with
any Processing Entity (with whom we have direct contract), we will through such contracts restrict the processing by them of such Data for the
aforesaid purposes.]
For further information, please refer to the Products’ specific terms and conditions and application form.
Period of storage of the Data
We will keep the Data we collect on our systems or with third parties for as long as required for the purposes set out above or even beyond the expiry
of transactional or account based relationship with you: (a) as required to comply with any legal and regulatory obligations to which we are subject, or
(b) for establishment, exercise or defence of legal claims, or (c) as specified in this Privacy Policy, or (d) in accordance with specific consents.
Reasonable security practices and procedures
HDFC Bank is ISO 27001:13 compliant. We seek to use reasonable organizational, technical and administrative measures to protect Data within our
organization. However, if you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with
the ‘How to contact us’ section.
Links/ Re-direction to Other Websites/ Platforms
From time to time, our website/ webpage/ platform/ apps may contain links or have a mechanism of re-direction to and from websites/ webpages/
platforms/ apps of other networks, advertisers, affiliates and Processing Entities. If you follow a link or such re-direction to any of these websites/
webpages/ platforms/ apps, please note that these websites/ webpages/ platforms/ apps may have their own privacy notices and that we do not
accept any responsibility or liability for any such notices. Please check such notices, where available, before you submit any Data to these websites/
webpages/ platforms/ apps.
Right to review
Please note that the accuracy of the Data provided to us is essential, among others, for the provision of Products to you. It is therefore mandatory
that you ensure the accuracy and completeness of all Data disclosed or shared. Without prejudice to any rights and remedies of the Bank under any
contract in this regard, you shall be able to review the Data that you had provided and correct or amend as feasible any such Data which you find to
be inaccurate or deficient. You may do this by following the process prescribed by HDFC Bank in this regard. For knowing the process you may contact
HDFC Bank as per the section ‘How to contact us’ under this Privacy Policy.
Provided that HDFC Bank shall not be responsible for the authenticity of the Data supplied by you to Bank or any other person acting on behalf of the
Bank.
Cookies
We may use cookies and similar technologies on our websites, mobile apps, and in our emails. Cookies are text files that get small amounts of
information, which your computer or mobile device stores when you visit a website or use a mobile app. For more details in this regard you may please
refer to our separate Cookie Policy available on our website.
How to contact us: You may contact our Privacy Contact at privacy@hdfcbank.com
Changes to this Privacy Policy
Our products, services, facilities, features, functionalities, and nuances thereof change constantly and our Privacy Policy will change also. You will be
responsible for apprising yourself about the Privacy Policy and change, if any, on each use of our website or Apps, platforms or while applying for or
making service requests for any Product or during usage of any Product or usage of any functionality. Without limiting your responsibility to keep
yourself updated as above, we may update you that a change has been made through any channels of communication including in App notifications,
general banner on website, sms, e-mail, social media messages, etc. The changed Privacy Policy shall be effective as soon as it is
published/posted/hosted on our website/respective Apps/platforms. If you use our website or Apps, platforms or make any application/request for any
Product or use any Product or make any service requests for or during usage of any Product or if you use any functionality provided by or for us, such
act of any of aforesaid uses shall by itself amount to your acceptance of the Privacy Policy with changes, if any.
This Privacy Policy shall be governed by the laws of India and any disputes arising out of or in relation to this Privacy Policy shall be subject to the
jurisdiction of courts/ tribunals of Mumbai, India.
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Privacy Policy for EU Customers
This Privacy Notice outlines HDFC Bank Limited’s (“HDFC Bank”) approach to data protection to fulfil its obligations under the EU General Data
Protection Regulation 2016/679 ("GDPR"). This Privacy Notice applies to personal data of the Covered Person(s) which is processed by or for HDFC
Bank as a controller, whether in physical or electronic mode. In this Privacy Notice, the expressions ‘personal data’, ‘data subject’, ‘controller’,
‘processor’ and ‘processing’ shall have the meanings given to them in the GDPR.
HDFC Bank is committed to treating data privacy seriously. It is important that you know exactly what we do with the personal data you and others
provide to us, why we process it and what it means to you. Please read this Privacy Notice carefully to understand our views and practices regarding
your personal data and how we will treat it.
Data Privacy Matters
This Privacy Notice applies in relation to all our products and services as applicable to the Covered Persons. Your product or service terms and
conditions will specify which of our businesses is providing the relevant product or service to you. If you are a customer of one of these businesses,
please also read the Data Privacy Notice applicable to such respective businesses. If you have any questions about how your personal data is
processed, please contact our Privacy Contact.
Who we are: Throughout this document, “we”, “us”, “our” and “ours” refer to HDFC Bank.
HDFC Bank means:
HDFC Bank Limited having its registered office at Senapati Bapat Marg, Lower Parel (West), Mumbai 400013, Mumbai, India and includes its branches in
and outside India and subsidiary companies.
Website: https://www.hdfcbank.com/
Our contact details are given at the end of this Privacy Notice. Should you need further details about HDFC Bank, please visit the about us page in our
website.
Who is covered under this Notice (Covered Persons)?
Any natural person in relation to whose personal data (to the extent processed by or for HDFC Bank), the GDPR applies, shall be to the extent of such
personal data and such processing be the "Covered Person(s)" or “You”.
The information we collect about you
The information we collect falls into various categories as under:
? Identity & contact information

o Name, address, signatures, biometric data, date of birth, copies of identity cards (“ID”), contact details marital status, relatives
information, nomination, medical condition, PAN/TIN/Aadhaar/National ID/Social Security Number/ or its equivalent, Photograph, Gender
? Financial details/circumstances
o Bank account details, investments history, credit/debit card details, income details, history in relation to these.
o Employment / occupational information.
o Residential status under banking, general and tax laws.
o Spending/saving/investing/payments/receipts/borrowing history.
o Risk profile, financial objectives, financial knowledge and experience, preferences and any other information to assess the suitability of
our products to you.
o Information collected when you make or receive payments.
? Information you provide us about others or others provide us about you

o If you give us information including personal data about someone else (for example, information about a spouse or financial associate
provided during the course of a joint application with that person), or someone gives us information about you, we may add it to any
personal data we already hold and we will use it in the ways described in this Data Privacy Notice.
o Your personal data from third party providers: In order to enhance our ability to provide relevant marketing, offers, and services to you,
we obtain personal data about you from other sources with your consent, such as email service providers, public databases, joint
marketing partners, social media platforms, as well as from other third parties as appropriate.
o Information including personal data from credit information companies/credit reference agencies, risk management and fraud prevention
agencies, national and government databases.
o Information including personal data from other parties and entities where we are a part of a transaction in one or more roles even
though we may not be directly interfacing you, for example during the course of remittances being initiated by you through your bank to
a beneficiary whose bank account is with us.
? Personal data which you have consented to us using

o Your agreement to allow us to contact you through certain channels to offer you relevant products and services.
? Information from online activities.
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o We collect information about your internet activity using technology known as cookies, which can often be controlled through internet
browsers. For detailed information on the cookies we use and the purposes for which we use them, see our Cookie Policy, which is
available on our website.
o Your digital and electronic devices where we perform various checks designed to ascertain and verify your residency to ensure we meet
our regulatory obligations. These checks include identifying the IP address your device connects from and the collection of information
about your use of the website or mobile app (including device type, operating system, screen resolution, and the way you interact with
us).
? Other personal information

o Information in relation to data access, correction, restriction, deletion, porting requests and complaints.
o CCTV images and data at our Bank branches, offices and ATMs (but only for security reasons and to help prevent fraud or crime).
o Conversations during meetings/calls/correspondences/discussions with bank staff.
When and how we collect personal data about you?
Personal data about you is gathered or collected:
How we process your Personal Data?
Whether we’re using it to confirm your identity, to help in the processing of an application for a product or service or to improve your experiences with
us, your personal data is always handled with care and the principles outlined in this Data Privacy Notice are always applied.
Lawfulness and Purposes of the processing
The lawfulness and legal basis for obtaining, processing personal data about you will be one or more of the following:
The table below sets out the purposes for which we use your personal data and our legal basis for doing so. Where we are relying on a legitimate
interest, these are also set out below:
? When you ask us to provide you with certain products and services.
? When you use our services or products;
? During the course of transactions;
? When you apply for products, make enquiries or engage with us or with any other person where we are involved for any other person in the
transaction concerning you
? When you use our website and online services provided by us (including mobile applications) and visit our branches, offices. When you email or call
or respond to our emails/phone calls or during meetings with our bank staff or its service providers or representatives.When you or others give us
personal data verbally or in writing. This personal data may be on application forms, in records of your transactions with us or if you make a complaint.
? From information publicly available about you. When you make information including personal data about yourself publicly available on your social
media accounts or where you choose to make information available to us through your social media account, and where it is appropriate for us to use
it.
? Processing is necessary for the performance of a contract to which you are a party or in order to take steps at your request prior to entering into
a contract. To allow us to take actions that are necessary in order to provide you with the product / service (performance of a contract), for
example, to make and receive payments
? Processing is necessary because of a legal obligation that applies to us. It may be necessary to allow us to comply with our legal obligations, for
example, obtaining proof of identity to enable us to meet our anti-money laundering obligations under applicable law.
? Processing is necessary for the purposes of the legitimate interests pursued by us or by a third party. Processing may be required to meet our
legitimate interests, for example, to understand how customers use our services and to develop new services, as well as improve the service we
currently provide.
? Where we have your consent to do so.
? Its processing is necessary to protect your “vital interests” where we need to process your personal data and you are not capable of providing
consent (emergency situations).
What we use your personal data for: The legal basis for doing so (one of more under
each sub-heading)
· To provide our products and services to you and · Where necessary for the performance of our
perform our contract with you agreement or to take steps to enter into an
agreement with you
· Establish your eligibility for our products and · Where the law requires this
services.
· Manage and administer your accounts, policies, · Where it is in our legitimate interests to ensure
benefits or other products and services that our customer accounts are well-managed, so
that our customers are provided with a high
standard of service, to protect our business
interests and the interests of our customers
· Process your applications for credit or financial · Where it is in our legitimate interests to ensure
services. that complaints are investigated, for example, so
that our customers receive a high standard of
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service and so that we can prevent complaints
from occurring in future
· Process payments that are paid to you or by you. · In case of sensitive information, such as medical
For example, if you hold a credit or debit card with information, where you have agreed
us, we will share transaction details with our card
scheme providers (e.g. Visa or MasterCard).
· Run loyalty and reward programmes you have signed
up to.
· Contact you by post, phone, text message, email,
social media, fax, using our online banking website or
other means, but not in a way contrary to your
instructions to us or contrary to law.
· Monitor and record our conversations when we
speak on the telephone (for example, to check your
instructions to us, to analyse, to assess and
improve customer service and for training and
quality purposes).
· Recover debts you may owe us.
· Manage and respond to a complaint or appeal.
· To undertake checks for the purposes of security,
detecting and preventing fraud and money
laundering, and to verify your identity before we
provide services to you. These checks may reveal
political opinions or information about criminal
convictions or offences
· To manage our business for our legitimate interests · Where necessary for the performance of our
agreement or to take steps to enter into an
agreement with you
· Carry out credit scoring, credit management · Where the law requires this
· Provide service information, to improve our service · Where it is in our legitimate interests to develop
quality and for training purposes and improve our products and services to ensure we
can continue to provide products and services that
our customers want to use and to ensure our
business model remains competitive.
· Conduct marketing activities, for example, running · Where its in our legitimate interests to provide you
competitions, promotions and direct marketing with information about our products and services
(provided that you have not objected to us using your that may be of interest.
details in this way), and research, including customer
surveys, analytics and related activities
· Where we have your consent to do so.
· To run our business on a day to day basis · Where necessary for the performance of our
agreement or to take steps to enter into an
agreement with you
· C a r r y o u t s t r a t e g i c p l a n n i n g a n d b u s i n e s s · Where the law requires this
portfolio management.
· Protect our business, reputation, resources and
equipment, manage network and information security
(for example, developing, testing and auditing our
websites and other systems, dealing with accidental
events or unlawful or malicious actions that
compromise the availability, authenticity, integrity and
confidentiality of stored or transmitted personal data,
and the security of the related services) and prevent
and detect fraud, dishonesty and other crimes (for
example, to prevent someone trying to steal your
identity),
· Manage and administer our Bank’s legal and
compliance affairs, including complying with our
obligations to credit card providers, compliance with
regulatory guidance and voluntary codes of practice
to which we have committed and to comply with
directive/order of any law enforcement agencies
· To share your information with Indian or other · Where the law requires this
relevant tax authorities, Reserve Bank of India and
other government authorities, credit reference
agencies, fraud prevention agencies, and India and
overseas regulators and authorities
· To perform certain credit checks so that we can · Where we have a legitimate interest in performing
make responsible business decisions. certain credit checks so that we can make
responsible business decisions. As a responsible
organisation, we need to ensure that we only
provide certain products to companies and
individuals where the products are appropriate, and
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that we continue to manage the services we
provide, for example if we consider that you may
have difficulties making a payment to us.
· To assist with the prevention and detection of · Where we have a legitimate interest in assisting
fraud and other crime with the prevention and detection of fraud and
other crime
· To assist overseas regulators, who monitor banks to · Where we have a legitimate interest in assisting
ensure that they comply the law and regulations overseas regulators, who monitor banks to ensure
that they comply the law and regulations
· More detail on our data sharing with these
organisations is set out below
· To send electronic messages to you about product · Where necessary for the performance of our
and service offers from our Bank. agreement or to take steps
· To use transaction history/account information from · Where the law requires this
your HDFC Bank account or credit card to identify
your spending and saving habits in order to
personalise offers that are exclusive and individual to
you, based on your account transactions.
· To use cookies in accordance with our Cookie Policy. · Where we have your consent to do so.
· To use information you have made public and
combine with this with the activities outlined above.
When we ask for your consent, we will provide you
with more information on how we will use your data in
reliance on that consent, including in relation to third
parties we would like your consent to share your data
with to enter into an agreement with you
When we process personal data to meet our legitimate interests, we put in place robust safeguards to ensure that your privacy is protected and
before collecting, we ensure that our legitimate interests are not overridden by your interests or fundamental rights and freedoms.
We will send you messages by post, telephone, text, email and other digital methods, including for example via our ATMs, mobile applications, push
notifications, or online banking services (and new methods that may become available in the future). These messages may be: Automated processing
The way we analyse personal information in relation to our products and services including applications, credit decisions, determining your eligibility for
the products or services, may involve automated profiling and decision making, this means that we may process your personal data using software
that is able to evaluate your personal aspects and predict risks or outcomes as also where the decision making may be automated.
We may also carry out automated anti-money laundering and sanctions checks. This means that we may automatically decide that you pose a fraud or
money laundering risk if the processing reveals your behaviour to be consistent with money laundering or known fraudulent conduct, is inconsistent
with your previous submissions, or you appear to have deliberately hidden your true identity.
If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk:
You expressly acknowledge that the automated decision is necessary for entering into or performance of contract and/or you explicitly consent to
such automated decision making, hence you subject to even the decisions which are solely based on automated processing. You have rights in relation
to automated decision making: if you want to know more please contact us using the details set out in the Contact Us section.
Recipients: Who we share your personal data with:
We only share your personal data with the following persons and/or in the following circumstances, and only as ay be necessary:
? Your authorised representatives
? Third parties we need to share your personal data with in order to facilitate payments you have requested (for example, SWIFT, credit card
issuers and merchant banks) and those you ask us to share your personal data with.
? We may also share your personal data with the following third parties to help us manage our business for our legitimate interests:
o Statutory and regulatory bodies and authorities (including central and local government) and law enforcement authorities, investigating
agencies and entities or persons, to whom or before whom it is mandatory to disclose the personal data as per the applicable law,
courts, judicial and quasi-judicial authorities and tribunals, arbitrators and arbitration tribunals.
o Overseas regulators and authorities in connection with their duties (such as crime prevention).
o Third parties bank may engage to provide services to you.
o Processors and service providers of HDFC Bank engaged for its various activities and services.
o Credit information companies or Credit reference entities, identity and address verification organizations who may record and use your
information and disclose it to other lenders, financial services organizations and insurers. Your information may be used by those third
parties to make assessments in relation to your creditworthiness for debt tracing.
o Other banks and financial institutions, quasi-governmental institutions like clearing houses, network associations etc. where required in
terms of contract or legal requirements
o Transferees and assignees and potential transferees and assignees of HDFC Bank
o Courier or postal service providers for the purpose of sending or collecting of mails to you as a customer
o Any other person or organization after a restructure, sale or acquisition, as long as that person uses your information for the same
purposes as it was originally given to us or used by us (or both)
o HDFC Bank’s branches in India or outside India, its subsidiaries, Affiliates and group entities.
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For further information, please refer to our product specific terms and conditions and application form.
Period of storage of your personal data
We will keep the personal data we collect about you on our systems or with third parties for as long as required for the purposes set out above or
even beyond the expiry of transactional or account based relationship with you: (a) as required to comply with any legal and regulatory obligations to
which we are subject or (b) for establishment, exercise or defence of legal claims.
Implications of not providing personal data or Withdrawing Consent
Sharing personal data with us is in both your interest and ours.
We need your personal data in order to:
When we request personal data, we will inform you if providing it is a contractual requirement, a statutory requirement or not, and whether or not we
need it to comply with our legal obligations. You may choose not to share personal data or withdraw consent, but doing so may limit the services we
are able to provide to you (unless consent is not the only legal basis for processing and there are other legal basis as well), particularly as under.
However, if you withdraw your consent, it will not affect the lawfulness of processing based on your consent before its withdrawal or the other legal
basis which we may have for such processing.
Processing your personal data outside the EEA
HDFC Bank is incorporated and regulated in India, its overseas branches are regulated by host country regulations and subsidiaries are governed under
applicable laws. As such, your personal data is stored on secure systems within HDFC Bank premises within India and with providers of secure
information storage in India. Further, we may transfer or allow the transfer of personal data about you and your products and services with us to our
service providers and other organisations outside the European Economic Area (EEA), with adequate safeguards to ensure your personal data remains
adequately protected. If you need copy of safeguards provided to transferred personal data, please notify us in accordance with the “How to contact
us?” section below. These jurisdictions and countries outside EEA may have different and less stringent laws relating to the degree of confidentiality
afforded to the personal data and that such information can become subject to the laws and disclosure requirements of such countries, including
disclosure to governmental bodies, regulatory agencies and private persons, as a result of applicable governmental or regulatory inquiry, court order or
other similar process. In addition, a number of countries have agreements with other countries providing for exchange of information for law
enforcement, tax and other purposes.
For example, we may process payments using third parties (including other financial institutions such as banks and the worldwide payments system
operated by the SWIFT organisation)
How do we secure your Personal data?
HDFC Bank is ISO 27001:13 compliant. We seek to use reasonable organizational, technical and administrative measures to protect Personal data
within our organization. However, if you have reason to believe that your interaction with us is no longer secure, please immediately notify us in
accordance with the “How to contact us?” section below.
How to exercise your information rights (including the right to object)?
You have the following rights, in accordance with and subject to the qualifications and provisions under GDPR:
Right to object
You shall have the right to object, on grounds relating to your particular situation, at any time to processing of personal data concerning you which
processing is based on necessity for the purposes of legitimate interests pursued by us or third party, including profiling. Upon such exercise of your
right, we shall no longer process the personal data unless we demonstrate compelling legitimate grounds: (a) for the processing which override your
interests, rights and freedoms or (b) for the establishment, exercise or defence of legal claims. Where personal data are processed for direct marketing
purposes, you shall have the right to object at any time to processing of personal data concerning you for such marketing, which includes profiling to
the extent that it is related to such direct marketing. If you object to this use, we will stop using your information for direct marketing purposes. If
you exercise any of the aforesaid rights, in most instances, we will respond within one calendar month. If we are unable to deal with your request fully
within a calendar month (due to the complexity or number of requests), we may extend this period by a further two calendar months. Should this be
necessary, we will explain the reasons. However, where we have reasonable doubts concerning your identity, we may request the provisions of
additional information necessary to confirm your identity. Ordinarily, we will not charge a fee for the exercise by you of any rights as above. However,
we may charge a reasonable fee if your request for access is found to be excessive or unfounded. Alternatively, we may refuse to comply with the
request in such circumstances. If you make your request electronically, we will, where possible, provide the relevant information electronically unless
you ask us otherwise.
Links to Other Websites
From time to time, our website may contain links to and from websites of our partner networks, advertisers and affiliates. If you follow a link to any of
these websites, please note that these websites may have their own privacy notices and that we do not accept any responsibility or liability for any
such notices. Please check these notices, where available, before you submit any personal data to these websites
Children
If you are a parent of a child under 16 (or such age as applicable for GDPR purposes in the respective EU Member States), you give your consent or
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authorise the consent if you wish your child to access HDFC Bank Services.
In How to contact us
If you have any questions about how your personal data is gathered, stored, shared or used, or if you wish to exercise any of your information rights,
please contact our Privacy Contact at privacy@hdfcbank.com
Phone Banking: +91 22 67606161
Changes to this notice
We will update this Data Privacy Notice from time to time. Any changes will be communicated to you and made available on this page and, where
appropriate, notified to you by SMS, e-mail or when you log onto website or start one of our mobile apps.
Dated: 11 Oct-2022
Cookie Policy
Date of most recent update: 1st July 2022.
PLEASE READ THIS POLICY CAREFULLY BEFORE USING OUR WEBSITES
This policy explains how cookies are used on our websites.
This policy may be amended from time to time and the latest policy will be posted on this page. By using our websites, you agree that we can place
cookies on your device. Please be aware that some of our services will not function if your browser or device does not accept our cookies. Please note
that where we have another type of presence on a site owned by a third party, such as a page or handle on a social media site, that third party’s
privacy policy and terms of use, rather than this Policy, will govern, unless specifically stated otherwise.
What are cookies?
Cookies are text files containing small amounts of information, which your computer or mobile device downloads when you visit a website. When you
return to websites — or visit other websites that use the same cookies — they recognise these cookies and therefore your browsing device.
Cookies do lots of different jobs, like helping us understand how this website is being used, letting you navigate between pages efficiently,
remembering your preferences, and generally improving your browsing experience. Cookies can also help ensure marketing you see online is more
relevant to you and your interests.
You can learn about the cookies we use and how to manage them below.
What type of cookies Bank use?
The type of cookies used on most websites can generally be put into 1 of 4 categories: Strictly Necessary, Performance, Functionality and Targeting.
Strictly Necessary Cookies
These cookies are essential, as they enable you to move around the website and use its features, such as accessing secure areas. Without these
cookies, services youve asked for cant be provided. These cookies don’t gather information about you that is used for marketing or remembering where
youve been on the internet.
Performance Cookies
These cookies collect information about how you use a website, for example which pages you go to most often and if you get error messages from
certain pages. These cookies dont gather information that identifies you. All information these cookies collect is anonymous and is only used to
improve how a website works.
These cookies are not used to target you with online marketing. Without these cookies we cant learn how our website is performing and make relevant
improvements that could better your browsing experience.
Functionality Cookies
These cookies allow a website to remember choices you make (such as your user name, language or the region youre in) and tailor the website to
provide enhanced features and content for you.
Without these cookies, a website cannot remember choices youve previously made or personalise your browsing experience.
Targeting Cookies
These cookies are used to tailor marketing to you and your interests. They are also used to limit the number of times you see an advertisement as well
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as help measure the effectiveness of the advertising campaign. They remember that you have visited a website and this information may be shared
with other organisations such as advertisers. Although these cookies can track your visits to other websites, they don’t usually know who you are.
Without these cookies, online advertisements you encounter will be less relevant to you and your interests.
What happens if I disable cookies?
If cookies are disabled on your computer, tablet or mobile your experience on the website may be limited. For example, you may not be able to browse
freely or use specific functions or features.
How do I disable/enable cookies?
To disable or enable cookies you will need to change some settings on your Internet browser.
We have provided step-by-step guides for the major desktop browsers below.
For information on how to manage cookies on your tablet or mobile please consult your documentation or online help files.
Google Chrome
In the settings menu, select show advanced settings at the bottom of the page
Select the content settings button in the privacy section
In the page that appears tells you can manage and/or clear stored cookies.
Firefox
In the menu, select options
Select the privacy tab in the options box
From the dropdown choose, use custom settings for history. This will present the options for cookies and you can choose to enable or disable cookies.
Internet Explorer 6+
In the tools menu, select Internet options
Click the privacy tab
You will see a privacy settings slider which has six settings that allow you to control the number of cookies that will be placed: Block All Cookies, High,
Medium High, Medium (default level), Low, and Accept All Cookies.
Safari
In the settings menu, select the preferences option
Open the privacy tab
Select the option you want from the block cookies section
Any other browser
For information on how to manage cookies via other desktop browsers please consult your documentation or online help files.
What happens to cookies that have been downloaded in the past?
If youve disabled through your browser we may still use information collected from existing cookies, but well stop using the disabled cookies to gather
any further information. For information on deleting stored cookies in your browser please visit the All About Cookies website.
SDK Policy
SDKs Information We Collect and Services We Provide
If you use our apps (e.g. mobile application which integrates with Advertising services), we may use SDK’s to gather non PII information. At no point
will these SDKs capture any personally identifiable information. We refer to the information we collect from our SDKs as the ‘SDKInformation .” The SDK
Information includes (or may include) the following:
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1. Information Collected About End Users by Our SDKs
? Information about those visits on the websites where have implemented the SDK (e.g., session duration, time-stamp, referring URLs).
? End User’s interactions information with apps and websites. (Session data which includes First Launches, Upgrades, Daily Engaged Users, Monthly
Engaged Users, Launches, Crashes, Previous Session Length, Average Page Depth, Average Time Spent on Page, Average Time Spent on Site, Bounce
rate, Bounces, Daily Return Visits, Entries, Exits, Instances, Lifetime, Mobile Views, New Engagements, Occurrences, Page Depth, Page Events, Page
Views, Path Views, Reloads, Return Visits, Searches, Single Access, Time Spent, Unique Customer, Unique Visitors, Visitors, App Visits)
? IP address.
? Email address, if provided to us.
? End User’s browser and device information specifically (Browser language type;
Operating system version (e.g., Android, iOS); Network provider; Language setting; time zone; browser Device height and width Pixel density; Screen
height and width
? A unique identifier, Advertising ID, which may uniquely identify an End User anonymously.
? Location information (Location information is only collected the user has granted permission to the App to collect this).
? Channel source of App download
As noted above, we refer to all of the above collectively as the “SDKInformation .”
2. How We Use the SDK Information
We use the SDK Information to provide following Services to our users:
1) To operate and improve the app
? Enable you to use app feature
? Communicate with you about the app, including by sending announcements, updates and security alerts which we may send through a push
notification, and responding to your questions and feedback
? Perform statistical analysis about use of the app
? Measure and analyze effectiveness of marketing campaign
2) To send you marketing and promotional communication
? We may send you marketing communications as permitted by law.
? We might do the following analysis with aggregated data (no PII is stored or used at any given point in time)
? Customer Journey Analysis: Conversion funnels such as from Home Page to Product Page to Lead Form
? Traffic Analysis: Marketing channel categorized by visits, unique visitors, bounces etc.
3) How and Why We Share the SDK Information.
We share the SDK Information with service providers, to perform any of the activities set forth in Section 2.
HDFC Bank does not share SDK information with third parties except those who process the data on behalf of HDFC Bank.
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Personal Loan Digital Application Form

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Personal Loan Digital Application Form

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Dear Borrower,

Personal Loan Digital Application Form:

Employment Type Salaried

Preferred Communication Address: Residence

Net Monthly Salary ₹35,000.00

Bank Name UCO BANK

Loan Amount Applied(Rs.)* ₹3,00,000.00

Reference Name Alock maji

Bank Use Section:

SCHEDULE-CUM-KEY FACT SHEET

LOAN DETAILS & CHARGES

Government taxes and other levies, as applicable, would be charged additionally.

Most Important Terms and Conditions and Declaration by the Customer

I/We agree and confirm:

(6) Confirm that I/ We are citizen of India.

? Identity & contact information

? Information you provide about others or others provide about you

? Information from online activities.

? Other personal information

When and how your Data is collected?

Your Data may be collected or processed through any of the following:

? When you use the Products.

? During the course of transactions.

? Data collected through cookies.

How we process your Data?

Purposes of processing Data:

? To provide you with Products.

? To manage relationships with you.

? For enabling your use of Products.

? For processing or executing transactions.

? To contact you or to establish contact with you or your whereabouts.

? For security, business continuity and risk management.

? To personalize your platform/ app experience.

? To improve customer/ user experience.

? Where we have your consent to do so.

Who we share your Data with?

? With any persons involved in Derivation.

Period of storage of the Data

Reasonable security practices and procedures

Links/ Re-direction to Other Websites/ Platforms

Changes to this Privacy Policy

Data Privacy Matters

HDFC Bank means:

Who is covered under this Notice (Covered Persons)?

The information we collect about you

The information we collect falls into various categories as under:

? Identity & contact information

? Information you provide us about others or others provide us about you

? Personal data which you have consented to us using

? Information from online activities.

? Other personal information

When and how we collect personal data about you?

Personal data about you is gathered or collected:

How we process your Personal Data?

Lawfulness and Purposes of the processing

? When you use our services or products;

? During the course of transactions;

? Where we have your consent to do so.

Recipients: Who we share your personal data with:

? Your authorised representatives

Period of storage of your personal data

Implications of not providing personal data or Withdrawing Consent

Sharing personal data with us is in both your interest and ours.