Loan Products
Application Form
H
$
O
©C
À
n
m
X
A
m
d
oX
Z
‡
n
Ã
g
p
°_
‚
p
°X
$º
V
$p
°
A
°[
‡
g
L
°$i
_
a
p
°d
Æ
KEY THINGS YOU SHOULD KNOW
?
We, The Hongkong and Shanghai Banking Corporation Limited, India (HSBC/the Bank) offer Home Loans and Loans Against Property at
floating rate of interest. From time to time we also offer fixed rate for Home Loans and Loan Against Property for specific loan tenures.
For details, if fixed rate special offering is available, the offering features and the applicable terms and conditions reach out to your
Relationship Manager or visit the nearest HSBC branch or visit our website www.hsbc.co.in
?
Floating rate loans are linked to our Base Rate, which is published on our website. Any change in Base Rate will impact the interest rate
on your loan. This will have a corresponding impact on your Equated Monthly Instalment (EMI) and/or loan tenure depending on our
prevailing policy
?
The facility offered on your loan is subject to certain fees/charges applicable before and after disbursal. Please refer to the ‘Loan Service
Charges and Fees’ section of our website for details
?
We request you to read the loan agreement carefully and ensure that key terms such as interest rate, loan amount, loan tenure, EMI,
processing fees, pre-payment charges, if applicable, are clearly stated before you sign the agreement
?
Your security documents need to be stamped/franked as per local stamp duty laws, at your expense. Your Relationship Manager would
be able to advise you on the applicable stamp duty for your loan
?
You are required to insure your property with an insurance company for loss due to fire, earthquake, floods and other damages, with The
Hongkong and Shanghai Banking Corporation Limited, India being the beneficiary of the policy
?
Interest on your loan will accrue on a daily basis and will be payable in EMIs through a Standing Instruction (SI) or letter of authority to
debit your HSBC Account
?
You need to pay your EMI on the due date. Non-payment of EMI would impact, including and not limited to:
-
Your credit rating (reporting to Credit Bureaus)
-
Other loans availed of from HSBC
In addition to the above, the Bank may initiate collections and legal action to recover the dues; the Bank can recall the loan and the
property can be attached.
?
Please seek independent professional tax advice for any tax related issues and implications on/of your loan
?
We will notify you of any changes in the terms and conditions of this product with prior notice of one month
‡
_
wI
~
m
V
|O
m
oA
m
n
H
$
m
oO
m
Z
Z
r
M
m
{
h
E
ß
∑
h
_
,
"
X
h
m
ßJ
H
$
m
ßJ
E
›
S
>e
ßK
m
B
©~
¢q
H
$
J
H
$
m
∞n
m
}a
oe
Z
{
b
{
_
Q
>oS
>,
B
ß{
S
>`
m
'
(
"
"
E
M
E
g
~
r
g
r
'
'
/
"
"
~
¢H
$
'
'
)
n
oe
H
$
a
V
oh
¢A
Ò
W
m
B
©„
`
m
O
X
a
n
a
J
•h
G
$
U
A
m
°a
g
ßn
{
Œ
m
n
a
G
$
U
.
h
_
g
_
-̀
g
_
`
n
a
{
d
{
e
Ô
>G
$
U
A
d
{
Y
H
o$
{
b
E
J
•h
G
$
U
A
m
°a
g
ßn
{
Œ
m
n
a
G
$
U
H
o$
{
b
E
{
Z
Y
m
©[
a
V
X
a
H
$
s
n
oe
H
$
e
^
r
H
$
a
V
oh
¢.
{
Z
Y
m
©[
a
V
X
a
H
o$
{
d
e
of
‡
Ò
V
m
d
H
$
s
C
n
b
„
Y
V
m
,
‡
Ò
V
m
{
d
V
{
d
e
of
V
m
A
m
|A
m
°a
b
m
J
y{
Z̀
_
m
|A
m
°a
e
V
m
]H
o$
~
m
a
o_
|A
{
Y
H
$
O
m
Z
H
$
m
a
r
H
o$
{
b
E
H
•$
ǹ
m
A
n
Z
o[
a
b
oe
Z
{
e
n
_
°Z
oO
a
g
o~
m
V
H
$
a
|`
m
A
n
Z
r
{
Z
H
$
Q
>V
_
E
M
E
g
~
r
g
r
e
m
I
m
n
a
O
m
E
±`
m
h
_
m
a
r
d
o~
g
m
B
Q
>www.hsbc.co.in n
a
{
d
{
µO
Q
>H
$
a
|.
∑
A
Ò
W
m
B
©X
a
m
|n
a
G
$
U
h
_
m
a
r
A
m
Y
m
a
X
a
g
oO
wãS
>oh
m
oV
oh
¢,
O
m
oh
_
m
a
r
d
o~
g
m
B
Q
>n
a
‡
H
$
m
{
e
V
h
°.
B
g
H
$
m
A
m
n
H
$
s
g
_
m
{
Z
V
>_
m
{
g
H
$
{
H
$
Ò
V
(
B
©E
_
A
m
B
©)
A
m
°a
/̀
m
G
$
U
A
d
{
Y
n
a
g
ßJ
V
‡
^
m
d
n
ãS
>V
m
h
°
O
m
oh
_
m
a
r
‡
M
{
b
V
n
m
∞{
b
g
r
n
a
{
Z
^
©a
H
$
a
V
m
h
°.
∑
A
m
n
H
o$
G
$
U
n
a
‡
Ò
V
m
{
d
V
g
w{
d
Y
m
g
ß{
d
V
a
U
H
o$
n
h
b
oA
m
°a
~
m
X
_
|b
m
J
y{
Z
p
Ì
M
V
\
$
s
g
/
e
wÎ
H
$
H
o$
A
Y
r
Z
h
°.
H
•$
ǹ
m
A
{
Y
H
$
O
m
Z
H
$
m
a
r
H
o$
{
b
E
h
_
m
a
r
d
o~
g
m
B
Q
>H
o$
"
"
b
m
oZ
g
{
d
©g
M
m
O
}g
E
ßS
>\
$
s
g
'
'
A
Z
w^
m
J
H
$
m
oX
oI
|.
∑
h
_
A
m
n
g
o h̀
A
Z
wa
m
oY
H
$
a
V
oh
¢{
H
$
A
m
n
G
$
U
A
Z
w~
ßY
H
$
m
og
m
d
Y
m
Z
r
n
yd
©H
$
n
ãT
>b
|A
m
°a
A
Z
w~
ßY
n
a
h
Ò
V
m
j
a
H
o$
n
h
b
o h̀
g
w{
Z
p
Ì
M
V
H
$
a
b
|{
H
$
_
h
À
d
n
yU
©n
X
O
°g
o„
`
m
O
X
a
,
G
$
U
a
m
{
e
,
G
$
U
A
d
{
Y
,
B
©E
_
A
m
B
©,
‡
m
og
oq
g
J
\
$
s
g
,
n
yd
©^
wJ
V
m
Z
e
wÎ
H
$
,
`
{
X
b
m
J
yh
m
o,
Ò
n
Ô
>Í
$
n
g
oH
$
h
oJ
E
h
¢.
∑
A
m
n
H
o$
I
M
}n
a
,
A
m
n
H
o$
g
wa
j
m
‡
b
oI
m
|H
$
m
oÒ
W
m
Z
r
`
_
w–
m
ßH
$
e
wÎ
H
$
H
$
m
Z
yZ
H
o$
A
Z
wg
m
a
_
w–
m
ß{
H
$
V
/
D
$
n
a
h
Ò
V
m
j
[
a
V
{
H
$
E
O
m
Z
oH
$
s
µO
Í
$
a
V
h
°.
A
m
n
H
o$
[
a
b
oe
Z
{
e
n
_
°Z
oO
a
A
m
n
H
$
m
oA
m
n
H
o$
G
$
U
n
a
b
m
J
y_
w–
m
ßH
$
e
wÎ
H
$
n
a
g
b
m
h
X
oZ
o_
|g
j
_
h
m
|J
o.
∑
A
m
n
H
$
m
oA
m
J
,
^
yH
ß$
n
,
~
m
ãT
>A
m
°a
A
›
`
j
{
V̀
m
|H
o$
H
$
m
a
U
h
˛E
Z
wH
$
g
m
Z
H
o$
{
b
E
{
H
$
g
r
~
r
_
m
H
$
Â
n
Z
r
g
oA
n
Z
r
g
ßn
{
Œ
m
H
$
m
~
r
_
m
H
$
a
m
Z
oH
$
s
A
m
d
Ì
H̀
$
V
m
h
°,
O
h
m
±"
X
h
m
ßJ
H
$
m
ßJ
E
ßS
>e
ßK
m
B
©~
¢q
H
$
J
H
$
m
∞n
m
}a
oe
Z
{
b
{
_
Q
>oS
>,
B
ß{
S
>`
m
'
n
m
∞{
b
g
r
H
o$
b
m
^
m
W
u
H
o$
Í
$
n
_
|h
°.
∑
A
m
n
H
o$
G
$
U
n
a
„
`
m
O
X
°{
Z
H
$
A
m
Y
m
a
n
a
O
_
m
h
m
oJ
m
A
m
°a
A
m
n
H
o$
E
M
E
g
~
r
g
r
I
m
V
o_
|g
oA
m
h
[
a
V
H
$
a
V
oh
˛E
E
H
$
Ò
Q
>¢q
S
>J
B
ßÒ
Q
¥>äe
Z
(
E
g
A
m
B
©)
`
m
A
{
Y
H
$
m
a
n
Ã
H
o$
_
m
‹
`
_
g
oB
©E
_
A
m
B
©_
|X
o`
h
m
oJ
m
.
∑
{
Z̀
V
{
V
{
W
n
a
A
m
n
H
$
m
oA
n
Z
oB
©E
_
A
m
B
©H
$
m
^
wJ
V
m
Z
H
$
a
Z
oH
$
s
A
m
d
Ì
H̀
$
V
m
h
°.
B
©E
_
A
m
B
©H
$
m
^
wJ
V
m
Z
Z
h
t
{
H
$
`
m
O
m
Z
m
{
Z
Â
Z
m
ß{
H
$
V
H
$
m
o‡
^
m
{
d
V
H
$
a
oJ
m
(
B
›
h
|e
m
{
_
b
H
$
a
V
oh
˛E
n
a
B
Z
V
H
$
g
r
{
_
V
Z
h
t
)
:
A
m
n
H
$
s
H
ó$
{
S
>Q
>a
oq
Q
>J
(
H
ó$
{
S
>Q
>„
`
ya
m
oH
$
m
og
y{
M
V
H
$
a
V
oh
˛E
)
E
M
E
g
~
r
g
r
g
o{
b
E
J
E
A
›
`
G
$
U
C
n
a
m
o∫
$
H
o$
A
{
V
[
a
∫
$
,
~
H
$
m
`
m
H
$
s
d
g
yb
r
H
o$
{
b
E
~
¢H
$
g
ßJ
´h
U
A
m
°a
H
$
m
Z
yZ
r
H
$
m
a
©d
m
B
©A
m
a
ß^
H
$
a
g
H
$
V
m
h
°;
~
¢H
$
G
$
U
d
m
n
g
_
m
±J
g
H
$
V
m
h
°A
m
°a
g
ßn
{
Œ
m
H
w$
H
©$
H
$
s
O
m
g
H
$
V
r
h
°.
∑
A
n
Z
oG
$
U
H
o$
/
n
a
{
H
$
g
r
^
r
H
$
a
g
ß~
ß{
Y
V
_
w‘
m
|A
m
°a
{
Z
{
h
V
m
W
©H
o$
{
b
E
Ò
d
V
ßÃ
n
oe
od
a
H
$
s
g
b
m
h
b
|.
∑
h
_
E
H
$
_
m
h
H
$
s
n
yd
©g
yM
Z
m
H
o$
g
m
W
B
g
C
À
n
m
X
H
o$
{
Z̀
_
A
m
°a
e
V
m
]_
|{
H
$
g
r
^
r
n
[
a
d
V
©Z
H
o~
m
a
o_
|A
m
n
H
$
m
og
y{
M
V
H
$
a
|J
o.
s
d
p
f
°≈
Z
h
p
S
>
°h
u
d
yø
e
b
p
b
s
p
°
∑
A
d
°,
^
l
p
¢N
L
$p
¢N
A
°fi
X
$i
p
ÑO
p
C
b
°[
fi
L
Ñ$N
L
$p
° p̀
£f
°i
_
r
g
r
d
V
°$X
$,
C
[
fi
X
$e
p
(
"
"
A
°Q
A
°k
b
u
k
u
'
'
/
'
'
b
°fi
L
$'
'
)
„
g
p
°q
V
Ñ$N
Ï
e
p
S
>v
$f
°l
p
°d
g
p
°fi
k
A
_
°g
p
°fi
k
A
N
°C
fi
ı
V
$
‚
p
° V̀
$}
A
p
°a
f
L
$f
u
A
°R
>
u
A
°.
k
d
e
p
Ñs
f
°A
d
°Q
p
°Ω
$k
g
p
°_
_
u
d
yv
$s
p
°d
p
V
°$l
p
°d
g
p
°fi
k
A
_
°g
p
°_
A
N
°C
fi
ı
V
$‚
p
° V̀
$}
d
p
V
°$q
a
º
ı
X
$f
°V
$ Z̀
A
p
°a
f
L
$f
u
A
°R
>
u
A
°.
≈
°q
a
º
ı
X
$f
°V
$
ı
`
°r
i
e
g
A
p
°a
f
D̀
g
Â
^
l
p
°e
s
p
°A
p
°a
f
_
u
r
h
r
i
Ù
$s
p
A
p
°A
_
°g
p
N
yr
_
e
d
p
°A
_
°i
f
s
p
° f̀
r
h
N
s
p
°d
p
V
°$s
d
°s
d
p
f
p
q
f
g
°i
_
r
ì
d
°_
°S
>
f
k
p
\
°h
p
s
L
$f
u
i
L
$p
°R
>
p
°
A
\
h
p
_
∆
L
$_
u
A
°Q
A
°k
b
u
k
u
i
p
M
p
_
u
d
yg
p
L
$p
s
g
p
°A
\
h
p
A
d
p
f
u
h
°b
k
p
C
V
$_
u
d
yg
p
L
$p
s
g
p
°:
www.hsbc.co.in
∑
„
g
p
°q
V
Ñ$N
v
$f
_
u
g
p
°_
A
d
p
f
p
b
°T
f
°V
$k
p
\
°t
g
º
X
$R
>
°,
S
>
°A
d
p
f
u
h
°b
k
p
C
V
$ f̀
‚
L
$p
r
i
s
L
$f
p
C
R
>
°.
b
°T
f
°V
$d
p
ÑL
$p
°C
Z̀
a
°f
a
p
f
\
u
g
p
°_
_
p
Ï
e
p
S
>v
$f
f̀
‚
c
p
h
X̀
°$R
>
°.
s
°_
u
k
p
\
°C
º
h
°V
°$X
$d
Ñ\
g
u
C
fi
ı
V
$p
°g
d
°fi
V
$(
C
A
°d
A
p
C
)
A
_
°/
A
\
h
p
g
p
°_
_
u
d
yv
$s
f̀
Z̀
s
°A
_
yk
p
f
‚
c
p
h
X̀
°$R
>
°.
∑
s
d
p
f
u
g
p
°_
f̀
A
p
°a
f
L
$f
p
s
u
k
yr
h
^
p
A
p
°s
°r
h
s
f
Z
`
|h
£A
_
° R̀
>
u
g
p
N
yA
d
yL
$a
u
/
v
$f
p
°_
°A
p
^
u
_
l
p
°e
R
>
°.
L
©$ è
p
h
^
yr
h
N
s
p
°d
p
V
°$A
d
p
f
u
h
°b
k
p
C
V
$ f̀
"
g
p
°_
k
r
h
Æk
Q
p
∆
Æk
A
°fi
X
$a
u
T
'
S
y>
A
p
°.
∑
A
d
p
f
u
s
d
_
°r
h
_
Ñs
u
R
>
°L
°$g
p
°_
L
$f
p
f
L
$p
m
∆
`
|h
ÆL
$h
p
ÑQ
p
°A
_
°d
yø
e
q̀
f
c
p
j
p
,
S
>
°d
L
°$,
Ï
e
p
S
>v
$f
,
g
p
°_
_
u
f
L
$d
,
g
p
°_
_
u
d
yv
$s
,
C
A
°d
A
p
C
,
‚
p
°k
°t
k
N
a
u
,
`
|h
ÆQ
yL
$h
Z
u
v
$f
p
°,
≈
°g
p
N
yl
p
°e
,
s
p
°s
°_
u
ı
Ù̀
$_
p
¢^
R
>
°L
°$_
l
]
s
°L
$f
p
f
f̀
k
l
u
L
$f
s
p
A
N
p
D
Q
L
$p
k
u
g
°h
p
_
u
s
L
°$v
$p
f
u
f
p
M
p
°.
∑
s
d
p
f
p
r
k
º
e
yq
f
V
$u
v
$ı
s
p
h
°≈
°s
d
p
f
p
M
Q
£ı
\
p
r
_
L
$ı
V
°$Á
`
X
$È
yV
$u
L
$p
e
v
$p
A
p
°A
_
yk
p
f
ı
V
°$Á
‡
X
$/
‰
°fi
º
X
$L
$f
p
h
h
p
S
>
Í
$f
u
R
>
°.
s
d
p
f
u
g
p
°_
d
p
V
°$g
p
N
yı
V
°$Á
`
X
$È
yV
$uf̀
s
d
p
f
p
q
f
g
°i
_
r
ì
d
°_
°S
>
f
s
d
_
°k
g
p
l
A
p
ù
i
L
$i
°.
∑
s
d
p
f
°A
p
N
,
^
f
s
u
L
Ñ$ ,̀
`
|f
A
_
°A
fi
e
l
p
r
_
A
p
°\
u
_
yL
$k
p
_
k
p
d
°h
u
d
p
L
Ñ$`
_
up̀
k
°s
d
p
f
u
r
d
g
L
$s
_
p
°h
u
d
p
°L
$Y
$p
h
h
p
°A
p
h
Ì
e
L
$R
>
°,
S
>
°d
p
Ñ^
l
p
¢N
L
$p
¢N
A
°fi
X
$i
p
ÑO
p
C
b
°[
fi
L
Ñ$N
L
$p
° p̀
£f
°i
_
r
g
r
d
V
°$X
,
C
[
fi
X
$e
pp̀
°r
g
k
u
_
u
g
p
c
p
\
}
f
l
°i
°.
∑
s
d
p
f
u
g
p
°_
f̀
f
p
°S
>
_
p
^
p
°f
Z
°Ï
e
p
S
>D̀
p
r
S
>
Æs
\
p
e
R
>
°A
_
°s
d
p
f
p
A
°Q
A
°k
b
u
k
u
M
p
s
p
d
p
Ñ\
u
L
$p
ù
g
°h
p
d
p
V
°$ı
\
p
e
u
k
|Q
_
p
(
ı
V
°$[
fi
X
Ñ$N
C
fi
ı
V
≤$L
$i
_
A
°k
A
p
C
)
L
°$
g
°V
$f
A
p
°a
A
p
°\
p
°q
f
V
$u
(
k
—
p
A
p
s̀
p
°`
”
)
d
p
f
a
s
C
A
°d
A
p
C
d
p
ÑQ
|L
$h
h
p
p̀
”
f
l
°i
°.
∑
s
d
p
f
°A
p
M
f
s
p
f
u
M
k
y^
u
d
p
Ñs
d
p
f
p
C
A
°d
A
p
C
c
f
u
v
°$h
yÑ S
>
Í
$f
u
R
>
°.
C
A
°d
A
p
C
_
Q
|L
$h
h
pf̀
r
_
Á
_
r
g
r
M
s
D̀
f
s
°_
p
k
r
l
s
A
_
°d
e
p
Æq
v
$s
_
l
]
s
°f
u
s
°‚
c
p
h
X̀
$i
°:
s
d
p
f
yÑ æ
°$q
X
$V
$f
°q
V
Ñ$N
(
æ
°$q
X
$V
$Â
e
yf
p
°_
yÑ q
f
p̀
°q
V
Ø$N
)
.
A
°Q
A
°k
b
u
k
up̀
k
°\
u
D̀
g
Â
^
L
$f
p
e
°g
u
A
fi
e
g
p
°_
D
º
s
D̀
f
p
Ñs
b
°fi
L
$g
°Z
p
Ñh
k
|g
L
$f
h
p
d
p
V
°$h
k
|g
u
A
_
°L
$p
_
|_
uǸ
g
p
Ñg
C
i
L
°$R
>
°.
b
°fi
L
$g
p
°_
f̀
s
d
p
N
u
i
L
°$A
_
°r
d
g
L
$s
_
°V
$p
ÑQ
d
p
f
u
i
L
°$R
>
°.
∑
L
$© è
p
s
d
p
f
u
g
p
°_
_
p
/
s
°_
uf̀
_
p
L
$p
°C
Z̀
L
$f
k
Ñb
Ñ^
u
d
yÿ
p
A
p
°A
_
°A
k
f
p
°r
h
i
°ı
h
s
Ñ”
Ï
e
p
h
k
p
r
e
L
$L
$f
k
g
p
l
L
$p
f
_
u
k
g
p
l
g
°h
u
.
∑
A
d
°A
p
e
p
°S
>
_
p
_
p
Ñr
_
e
d
p
°A
_
°i
f
s
p
°d
p
ÑL
$p
°C
Z̀
a
°f
a
p
f
\
p
e
s
p
°s
°r
h
i
°A
°L
$d
r
l
_
p
_
p
°`
|h
Æk
|Q
_
p
k
p
\
°s
d
_
°≈
Z
L
$f
u
i
yÑ.
DOCUMENTS REQUIRED FOR ALL LOANS (All documents to be self-attested)
Proof of Identity (PI) (any one)
Proof of Present Residential Address (PRA) (any one)
Proof of Age (any one)
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
Passport
Election/Voter’s ID
Permanent driving licence
Permanent Account Number
(PAN card)
Aadhaar card
Passport
Election/Voter’s ID
Permanent driving licence
Society outgoing bill (only from registered societies)
Electricity/Water/Telephone bill
Gas bill (pipeline connection only)
Property tax bill
Domicile certificate with address issued by Municipal
Corporation
Passport
Permanent driving licence
PAN card
The above PI and PRA and proof of age is an indicative list and is acceptable based on our existing policy, as applicable at the
time of application of the loan. For more details, you can speak to your Relationship Manager (RM) or visit the nearest branch.
Please note:
If the address on the document submitted by you as PI is the same as that declared in the application form, the document may be
accepted as a valid proof of both PI and PRA. If the address indicated on the document submitted for PI differs from the address
mentioned in the application form, a separate proof of PRA would be obtained.
We request you to submit completed application form to your RM. Kindly affix a passport size photograph with signature across.
g
^
r
V
a
h
H
o$
H
$
O
©H
o$
{
b
E
A
m
d
Ì
H̀
$
X
Ò
V
m
d
oO
(
g
^
r
X
Ò
V
m
d
oO
m
|H
$
m
oÒ
d
‡
_
m
{
U
V
h
m
oZ
m
M
m
{
h
E
)
A
m
`
wH
$
m
‡
_
m
U
(
H
$
m
oB
©E
H
$
)
d
V
©_
m
Z
A
m
d
m
g
r
`
n
V
oH
$
m
g
m
˙
`
(
n
r
A
m
a
A
m
B
©)
(
H
$
m
oB
©E
H
$
)
∑
∑
n
m
g
n
m
oQ
>©
n
m
g
n
m
oQ
>©
∑
∑
M
wZ
m
d
/
_
V
X
m
V
m
n
h
M
m
Z
n
Ã
Ò
W
m
`
r
S
¥>m
B
q
d
J
b
mg̀
|g
∑
∑
Ò
W
m
`
r
S
¥>m
B
q
d
J
b
mg̀
|g
n
°Z
H
$
m
S
>©
∑
g
m
og
mQ̀
>r
{
~
b
(
{
g
\
©$
n
ßO
r
H
•$
V
g
m
og
m
`
{
Q
>`
m
|g
o)
∑
{
~
O
b
r
/
n
m
Z
r
/
Q
>ob
r
\
$
m
oZ
{
~
b
∑
J
°g
{
~
b
(
{
g
\
©$
n
m
B
b
m
B
Z
H
$
Z
oä e
Z
)
∑
g
ßn
{
Œ
m
H
$
a
{
~
b
∑
Z
J
a
{
Z
J
_
¤
m
a
m
O
m
a
r
n
V
oH
o$
g
m
W
S
>m
o{
_
g
m
B
b
g
{
Q
>©{
\
$
H
o$
Q
>
C
ǹ
©w∫
$
n
r
A
m
B
©A
m
°a
n
r
A
m
a
E
A
m
°a
C
_
´H
$
m
g
m
˙
`
E
H
$
g
m
ßH
o$
{
V
H
$
g
yM
r
h
°A
m
°a
h
_
m
a
r
_
m
°O
yX
m
n
m
∞{
b
g
r
H
o$
A
m
Y
m
a
n
a
Ò
d
r
H
$
m
`
©h
°,
O
°og
m
^
r
G
$
U
H
o$
A
m
d
oX
Z
H
o$
g
_
`
b
m
J
yh
m
o.
A
{
Y
H
$
O
m
Z
H
$
m
a
r
H
o$
{
b
E
,
A
m
n
A
n
Z
o
[
a
b
oe
Z
{
e
n
_
°Z
oO
a
(
A
m
a
E
_
)
g
o~
m
V
H
$
a
g
H
$
V
oh
¢`
m
{
Z
H
$
Q
>V
_
e
m
I
m
n
a
O
m
g
H
$
V
oh
¢.
H
•$
ǹ
m
‹
m̀
Z
a
h
o:
`
{
X
n
r
A
m
B
©H
o$
Í
$
n
_
|A
m
n
H
o$
¤
m
a
m
‡
Ò
V
wV
‡
b
oI
n
a
{
X̀
m
J̀
m
n
V
m
A
m
d
oX
Z
‡
n
Ã
_
|K
m
o{
f
V
n
V
oH
o$
g
_
m
Z
h
°,
V
~
d
h
‡
b
oI
n
r
A
m
B
©A
m
°a
n
r
A
m
a
E
X
m
oZ
m
|H
o$
d
°Y
‡
_
m
U
H
o$
Í
$
n
_
|Ò
d
r
H
m
a
{
H
$
`
m
O
m
g
H
$
V
m
h
°.
`
{
X
n
r
A
m
B
©H
o$
{
b
E
‡
Ò
V
wV
‡
b
oI
n
a
X
e
m
©`
m
J̀
m
n
V
m
A
m
d
oX
Z
‡
n
Ã
n
a
C
Î
b
o{
I
V
n
V
og
oA
b
J
h
°,
V
m
on
r
A
m
a
E
H
$
m
E
H
$
A
b
J
g
m
˙
`
‡
m
·
{
H
$
`
m
O
m
E
J
m
.
n
h
M
m
Z
n
Ã
(
n
r
A
m
B
©)
(
H
$
m
oB
©E
H
$
)
∑
n
m
g
n
m
oQ
>©
∑
M
wZ
m
d
/
_
V
X
m
V
m
n
h
M
m
Z
n
Ã
∑
Ò
W
m
`
r
S
¥>m
B
q
d
J
b
mg̀
|g
∑
Ò
W
m
`
r
I
m
V
m
H
´$
.
(
n
°Z
H
$
m
S
>©)
∑
A
m
Y
m
a
H
$
m
S
>©
h
_
A
m
n
g
oA
m
n
H
o$
A
m
a
E
_
H
$
m
on
yU
©{
H
$
`
m
J̀
m
A
m
d
oX
Z
‡
n
Ã
O
_
m
H
$
a
m
Z
oH
$
m
A
Z
wa
m
oY
H
$
a
V
oh
¢.
H
•$
ǹ
m
E
H
$
n
m
g
n
m
oQ
>©A
m
H
$
m
a
H
$
m
\
$
m
oQ
>m
oC
g
n
a
E
H
$
{
g
a
og
oX
ˇg
a
o{
g
a
oV
H
$
A
n
Z
o{
V
a
N
>oh
Ò
V
m
j
a
H
$
a
{
M
n
H
$
m
E
±.
s
d
p
d
g
p
°_
d
p
V
°$A
p
h
Ì
e
L
$v
$ı
s
p
h
°≈
°(
s
d
p
d
v
$ı
s
p
h
°≈
°ı
h
e
Ñ‚
d
p
r
Z
s
L
$f
°g
p
l
p
°h
p
≈
°C
A
°)
J
d
f
_
p
°`
yf
p
h
p
°(
L
$p
°C
Z̀
A
°L
$)
A
p
°m
M
_
p
°`
yf
p
h
p
°(
ù
A
p
C
)
(
L
$p
°C
Z̀
A
°L
$)
h
s
Æd
p
_
r
_
h
p
k
_
p
k
f
_
p
d
p
_
p
°`
yf
p
h
p
°(
ù
A
p
f
A
°)
(
L
$p
°C
Z̀
A
°L
$)
∑
∑
∑
p̀
k̀
p
°V
Æ$
p̀
k̀
p
°V
Æ$∑
d
s
v
$p
_
/
d
s
v
$p
f
A
p
°m
M̀
”
p̀
k̀
p
°V
Æ$
∑
∑
d
s
v
$p
_
/
d
s
v
$p
f
A
p
°m
M̀
” ∑
L
$p
e
d
u
X
≤$p
C
t
h
N
g
p
C
k
fi
k
L
$p
e
d
u
X
≤$p
C
t
h
N
g
p
C
k
fi
k
∑
∑
∑
L
$p
e
d
u
X
≤$p
C
t
h
N
g
p
C
k
fi
k
k
p
°k
p
e
V
$u
_
yÑ A
p
D
V
$N
p
°I
N
r
b
g
(
a
º
s
_
p
¢^
Z
u
L
©$s
k
p
°k
p
e
V
$up̀
k
°\
u
)
`
µ_
L
$p
X
Æ$
∑
∑
d̀
Æ_
fi
V
$A
L
$p
D
fi
V
$_
Ñb
f
h
u
S
>
/
p̀
Z
u
/
V
°$r
g
a
p
°_
r
b
g
∑
(
`
µ_
L
$p
X
Æ$)
N
°k
r
b
g
(
a
º
s
p̀
C̀
g
p
C
_
≈
°X
$p
Z
)
∑
∑
∑
A
p
^
p
f
L
$p
X
Æ$
‚
p
° V̀
$}
V
°$º
k
r
b
g
Á
e
yr
_
r
k̀
g
L
$p
° p̀
£f
°i
_
‹
p
f
p
≈
f
u
k
f
_
p
d
p
k
p
\
°_
yÑ X
$p
°r
d
k
p
C
g
‚
d
p
Z̀
”
D
º
s
ù
A
p
C
A
_
° ù
A
p
f
A
°A
_
°J
d
f
_
p
°`
yf
p
h
p
°k
p
ÑL
°$r
s
L
$e
p
v
$u
R
>
°A
_
°g
p
°_
_
u
A
f
∆
k
d
e
°g
p
N
yd
yS
>
b
A
d
p
f
u
‚
h
s
Æd
p
_
_
u
r
s
_
°A
p
^
p
f
°ı
h
u
L
$p
e
ÆR
>
°.
h
^
yr
h
N
s
p
°d
p
V
°$
s
d
p
f
p
q
f
g
°i
_
r
ì
d
°_
°S
>
f
(
A
p
f
A
°d
)
k
p
\
°h
p
s
L
$f
p
°A
\
h
p
_
∆
L
$_
u
i
p
M
p
_
u
d
yg
p
L
$p
s
g
p
°.
L
©$ p̀
_
p
¢^
L
$f
p
°:
≈
°s
d
p
f
p
$‹
p
f
pù
A
p
C
s
f
u
L
°$k
y f̀
s
L
$f
°g
p
v
$ı
s
p
h
°S
> f̀
k
f
_
p
d
yÑ A
f
∆
`
”
L
$d
p
Ñ≈
l
°f
L
$e
p
Æd
yS
>
b
A
°L
$k
d
p
_
l
i
°s
p
°v
$ı
s
p
h
°S
> ù
A
p
C
A
_
° ù
A
p
f
A
°b
Ñ_
°_
p
‚
d
p
r
Z
s
`
yf
p
h
p
s
f
u
L
°$ı
h
u
L
$p
f
p
C
i
L
°$R
>
°.
≈
° ù
A
p
C
d
p
V
°$k
y f̀
s
L
$f
°g
p
v
$ı
s
p
h
°≈
° f̀
A
p
`
°g
yÑ k
f
_
p
d
yÑ A
f
∆
`
”
L
$d
p
ÑD
Î
g
°M
L
$f
°g
p
k
f
_
p
d
p
\
u
A
g
N
l
i
°s
p
°
ù
A
p
f
A
°_
p
°A
g
N
`
yf
p
h
p
°g
°h
p
i
°.
A
d
°s
d
_
°k
Ñ`
|Z
Æc
f
°g
yÑ A
f
∆
`
”
L
$s
d
p
f
p
A
p
f
A
°d
_
°k
y f̀
s
L
$f
h
p
_
u
r
h
_
Ñs
u
L
$f
u
A
°R
>
u
A
°.
L
©$ è
pp̀
k̀
p
°V
Æ$A
p
L
$p
f
_
p
°a
p
°V
$p
°N
∞p
a
g
N
p
h
u
s
°_
u
D̀
f
A
p
X
$u
k
l
u
L
$f
p
°.
FINANCIAL DOCUMENTS REQUIRED (All documents to be self-attested)
Mentioned below are the basic documents required. You are requested to speak to your RM or visit the nearest branch for more details.
Particulars
Resident Indian
Salaried individuals
• Latest 3 months' salary slips showing statutory deductions
• Bank statements for last 3 months showing last 3 salary credits
Self-employed individuals/partnership
? rm (loans will be extended in favour
of partners)/private limited companies
(loans will be extended in favour of
directors).
• Acknowledged IT returns for last 2 years (including e-acknowledgement)
• P&L account, balance sheet certified/audited by CA and computation of income for last
2 years with all annexures and auditor's report
• Primary bank account statements for last 6 months
• For partnership firm additionally partnership deed is required
• For private limited companies additionally required:
a) Shareholding pattern or Memorandum and Articles of Association duly attested by a CA
b) List of directors
Consultant/Self-employed professional
• Acknowledged IT returns for last 2 years (including e-acknowledgement)
• P&L account, balance sheet certified/audited by CA and computation of income for the
last 2 years with all annexures and auditor's report
• Primary bank account statements for last 6 months
Particulars
NRI (Non-Resident Indian) applicant
Salaried
• Copy of valid Indian passport showing Visa stamps or copy of foreign passport
equivalent documents
• Copy of valid Visa/work permit/equivalent documents supporting the NRI status of
applicant accountholder
• Latest contract copy evidencing salary/salary certificate/wage slips
• Overseas bank account statements for last 3 months showing salary credits
• 3 months NRE/NRO account statement
• Local bureau report of the country where customer is based
Working in merchant navy
• Latest contract copy. If on 'home port' for more than 6 months this year, future contract
•
•
•
•
Self-employed
copy is required
Latest Continuous Discharge Certificate (CDC) for 3 years employment proof
Copy of passport for proof of identity
Bank account statements – 3 months' of primary bank accounts
Local bureau report of the country where customer is based (applicable if country of
residence is other than India)
• Trade licence or equivalent document
• 6 months’ overseas bank account statements and NRE/NRO account statements
• Computation of income, P&L account and balance sheet for last 3 years certified by a
CA/CPA or any other relevant authority as the case may be (or equivalent company
accounts)
• Passport copy with valid Visa stamp
• Brief profile of the applicant and business in the specified format
• Local bureau report of the country where customer is based
Note: Please refer to www.hsbc.co.in for more information. The above stated requirements/documentation is subject to change
and is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC/the Bank).
A
m
d
Ì
H̀
$
{
d
Œ
m
r
`
X
Ò
V
m
d
oO
(
g
^
r
X
Ò
V
m
d
oO
m
|H
$
m
oÒ
d
‡
_
m
{
U
V
h
m
oZ
m
M
m
{
h
E
)
Z
r
M
oC
Î
b
o{
I
V
‡
b
oI
A
m
d
Ì
H̀
$
_
yb
‡
b
oI
h
¢.
A
{
Y
H
$
O
m
Z
H
$
m
a
r
H
o$
{
b
E
A
m
n
g
oA
n
Z
oA
m
a
E
_
g
o~
m
V
H
$
a
Z
o`
m
{
Z
H
$
Q
>V
_
e
m
I
m
n
a
O
m
Z
oH
$
m
A
Z
wa
m
oY
{
H
$
`
m
O
m
V
m
h
°.
{
d
d
a
U
{
Z
d
m
g
r
^
m
a
V
r
`
∑
g
°b
a
r
b
oZ
od
m
b
oÏ
`
{
∫
(
d
oV
Z
^
m
oJ
r
)
{
n
N
>b
o3
d
oV
Z
O
_
m
{
H
$
E
O
m
Z
oH
$
m
oX
e
m
©V
m
{
n
N
>b
o3
_
m
h
H
m
~
¢H
$
I
m
V
m
{
d
d
a
U
∑
g
°b
a
r
O
_
m
X
e
m
©V
o{
n
N
>b
o3
_
h
r
Z
m
|H
$
o~
¢H
$
Ò
Q
>oQ
>_
|Q
≤>g
>
Ò
d
a
m
oO
J
m
a
Ï
`
{
∫
$
/
^
m
J
r
X
m
a
r
g
ßÒ
W
m
(
H
$
O
©^
m
J
r
X
m
a∑
B
Z
H
$
_
Q
>°äg
[
a
Q
>›
©g
H
$
s
E
H
$
Z
m
∞b
oO
H
$
s
h
˛B
©‡
{
V
(
B
©E
H
$
Z
m
∞b
oO
H
$
m
o{
_
b
m
H
$
a
)
∑
n
r
E
›
S
>E
b
A
H
$
m
C
Q
ß>
,
~
b
° g
| e
r
Q
,
>O
m
oM
m
Q
>
S
©>
©E
H
$
m
C
Q
ß>
Q
| >¤
m
a
m
‡
_
m
[
U
V
/
b
I
o m
n
a
r
[
j
V
h
m
oV
W
m
g
^
r
g
b
ß p
Ω
H
$
m
A
m
|A
m
a
° A
m
{
∞S
>
Q
>
a
H
$
s
H
o$
Z
m
_
{
X̀
m
O
m
E
J
m
)
/
‡
m
B
d
oQ
>{
b
{
_
Q
>oS
>H
ß$
n
Z
r
O
H
o$
[
a
n
m
Q
o>
©H
$
og
m
W
{
n
N
>
b
o2
d
f
m
]H
$
s
A
m
`
H
$
s
g
J
ßU
Z
m
{
b
E
(
H
$
O
©{
Z
X
}e
H
$
H
o$
Z
m
_
{
X̀
m
O
m
E
J
m
)
.
H
$
O
©
∑
{
n
N
>
b
o6
_
h
r
Z
oH
$
o_
b
y /
‡
m
B
_
a
r
~
H
¢$
E
H
$
m
C
Q
ß >H
$
oÒ
Q
>
Q
o>
_
Q
|>
≤g
^
m
J
r
X
m
a
(
a
m
|)
/
\
$
_
©/
H
ß$
n
Z
r
H
o$
{
Z
X
}e
H
$
(
H
$
m
|)
H
$
m
o^
r
∑
^
m
J
r
X
m
a
r
g
Ò
ßW
m
Z
H
$
o{
b
E
A
{
V
[
a
∫
$
n
m
Q
>
Z
©a
{
e
n
S
>
r
S
>b
J
J
or
{
X̀
m
O
m
g
H
$
V
m
h
°,
{
O
g
_
|\
$
_
©/
H
ß$
n
Z
r
H
$
m
o
∑
‡
m
B
d
Q
o >{
b
{
_
Q
>
S
o >H
$
ßn
{
Z̀
m
|H
$
o{
b
E
A
{
V
[
a
∫
$
X
Ò
V
m
d
O
o b
J
J
oß o
g
h
A
m
d
oX
H
$
H
o$
Í
$
n
_
|{
b̀
m
O
m
E
J
m
.
A
)
è
oa
h
m
p
oÎ
S
>
J
® n
Q
°>
Z
©`
m
M
m
Q
>
S
©>
©E
H
$
m
C
Q
ß>
Q
| >¤
m
a
m
‡
_
m
{
U
V
_
_
om
a
oS
|>
_
A
m
\
∞$
A
m
{
Q
>
H
©$
Î
g
A
m
\
∞$
E
g
m
{
og
E
e
Z
~
)
{
Z
X
e
} H
$
m
|H
$
s
g
M
yr
∑
B
Z
H
$
_
Q
>°ä g
[
a
Q
>›
©g
H
$
s
E
H
$
Z
m
∞b
oO
H
$
s
h
˛B
©‡
{
V
(
B
©E
H
$
Z
m
∞b
oO
H
$
m
o{
_
b
m
H
$
a
)
H
$
›
g
b
Q
>|Q
>/
g
oÎ
\
$
E
Â
n
b
m
∞ S̀
>‡
m
o\
o$
e
Z
b
∑
n
r
E
›
S
>E
b
A
H
$
m
C
ßQ
>,
~
°b
|g
e
r
Q
,
>O
m
oM
m
Q
>©S
>©E
H
$
m
C
ßQ
>|Q
>¤
m
a
m
‡
_
m
[
U
V
/
b
oI
m
n
a
r
[
j
V
h
m
oV
W
m
g
^
r
g
ßb
p
Ω
H
$
m
A
m
|A
m
°a
A
m
∞{
S
>Q
>a
H
$
s
[
a
n
m
oQ
>©H
o$
g
m
W
{
n
N
>b
o2
d
f
m
]H
$
s
A
m
`
H
$
s
g
ßJ
U
Z
m
∑
{
n
N
>b
o6
_
h
r
Z
oH
$
o‡
m
B
_
a
r
~
¢H
$
E
H
$
m
C
ßQ
>H
o$
Ò
Q
>oQ
>_
|Q
≤>g
{
d
d
a
U
d
oV
Z
^
m
oJ
r
E
Z
A
m
a
A
m
B
©(
Z
m
∞Z
a
o{
O
S
>|{
è
b
)
A
m
d
oX
H
$
∑
d
°Y
^
m
a
V
r
`
n
m
g
n
m
oQ
>©H
$
s
‡
{
V
{
O
g
_
|d
r
O
m
Ò
Q
>¢n
b
J
m
h
m
o`
m
{
d
X
oe
n
m
g
n
m
oQ
>©H
o$
g
_
H
$
j
X
Ò
V
m
d
oO
∑
d
°Y
d
r
O
m
/
d
H
©$
n
a
{
_
Q
>/
E
og
oh
r
g
h
mH̀
$
X
Ò
V
m
d
oO
O
m
oA
m
d
oX
H
$
I
m
V
m
Y
m
a
H
$
H
$
s
E
Z
A
m
a
A
m
B
©p
Ò
W
{
V
H
o$
g
_
W
©Z
_
|h
m
|,
H
$
s
‡
{
V
∑
H
$
m
∞›
Q
¥>oäQ
>H
$
s
Z
d
r
Z
V
_
‡
{
V
O
m
od
oV
Z
/
d
oV
Z
‡
_
m
U
n
Ã
/
d
oO
p
Ò
b
n
X
e
m
©V
r
h
m
o
∑
g
°b
a
r
O
_
m
X
e
m
©V
o{
n
N
>b
o3
_
h
r
Z
m
|H
$
oA
m
od
a
g
r
O
~
¢H
$
E
H
$
m
C
ßQ
>E
Ò
Q
>oQ
>_
|Q
≤>g
>
∑
{
n
N
>b
o3
_
h
r
Z
m
|H
$
oE
Z
A
m
a
B
©/
E
Z
A
m
a
A
m
oE
H
$
$
m
C
ßQ
>E
Ò
Q
>oQ
>_
|Q
≤>g
>
∑
C
g
X
oe
H
$
s
Ò
W
m
Z
r
`
„
`
ya
m
o[
a
n
m
oQ
>©O
h
m
ßJ
´m
h
H
$
p
Ò
W
V
h
m
o
_
M
]Q
>Z
od
r
_
|H
$
m
`
©a
V
∑
H
$
m
∞›
Q
¥>oäQ
>H
$
s
Z
d
r
Z
V
_
‡
{
V
.
A
J
a
B
g
d
f
©6
_
m
h
g
oA
{
Y
H
$
H
o$
{
b
E
h
m
o_
n
m
oQ
>©n
a
h
m
|V
m
o^
{
d
Ó
`
H
$
m
∞›
Q
¥>oäQ
>‡
{
V
M
m
{
h
E
∑
3
d
f
m
]H
$
s
Z
m
°H
$
a
r
H
o$
‡
_
m
U
_
|Z
d
r
Z
V
_
H
$
›
Q
>r
›
`
yA
g
{
S
>g
M
m
O
©g
{
Q
>©{
\
$
H
o$
Q
>(
g
r
S
>r
g
r
)
∑
n
h
M
m
Z
H
o$
‡
_
m
U
H
o$
{
b
E
n
m
g
n
m
oQ
>©H
$
s
‡
{
V
∑
~
¢H
$
E
H
$
m
C
ßQ
>Ò
Q
>oQ
>_
|Q
≤>g
‡
m
B
_
a
r
~
¢H
$
E
H
$
m
C
ßQ
≤>g
H
o$
3
_
h
r
Z
o
∑
C
g
X
oe
H
$
s
Ò
W
m
Z
r
`
„
`
ya
m
o[
a
n
m
oQ
>©O
h
m
ßJ
´m
h
H
$
p
Ò
W
V
h
°(
V
~
b
m
J
yO
~
{
Z
d
m
g
H
$
a
Z
oH
$
m
X
oe
^
m
a
V
H
o$
A
b
m
d
m
h
m
o)
Ò
d
a
m
oO
J
m
a
(
g
oÎ
\
$
E
Â
n
b
m
∞ S̀
>)
∑
Q
¥>oS
>b
mg̀
|g
`
m
g
_
H
$
j
X
Ò
V
m
d
oO
∑
6
_
h
r
Z
oH
$
oA
m
od
a
g
r
O
~
¢H
$
E
H
$
m
C
ßQ
>Ò
Q
>oQ
>_
|Q
≤>g
V
W
m
E
Z
A
m
a
B
©/
E
Z
A
m
a
A
m
oE
H
$
$
m
C
ßQ
>E
Ò
Q
>oQ
>_
|Q
≤>g
>
∑
{
n
N
>b
o3
d
f
m
]H
$
s
A
m
`
g
ßJ
{
U
H
$
m
,
n
r
E
›
S
>E
b
A
H
$
m
C
ßQ
>A
m
°a
~
°b
|g
e
r
Q
,
>O
m
o^
r
_
m
_
b
m
h
m
o,
O
m
og
r
E
/
g
r
n
r
E
`
m
A
›
`
g
ß~
ß{
Y
V
A
{
Y
H
$
m
a
r
¤
m
a
m
‡
_
m
[
U
V
h
m
o(
`
m
g
_
H
$
j
H
ß$
n
Z
r
E
H
$
m
C
ßQ
≤>g
)
∑
n
m
g
n
m
oQ
>©‡
{
V
,
{
O
g
n
a
d
°Y
d
r
O
m
Ò
Q
>¢n
b
J
m
h
m
o
∑
{
Z
Y
m
©[
a
V
‡
m
Í
$
n
_
|A
m
d
oX
H
$
A
m
oa
C
g
H
o$
Ï
d̀
g
m
`
H
o$
~
m
a
o_
|g
ß{
j
·
{
d
d
a
U
∑
C
g
X
oe
H
$
s
Ò
W
m
Z
r
`
„
`
ya
m
o[
a
n
m
oQ
>©O
h
m
ßJ
´m
h
H
$
p
Ò
W
V
h
°
{
Q
>fl
n
U
r
:
H
•$
ǹ
mA
{
Y
H
$
O
m
Z
H
$
m
a
rH
o$
{
b
E
www.hsbc.co.in n
a
O
m
E
±.
C
n
a
m
o∫
$
C
Î
b
o{
I
V
A
m
d
Ì
H̀
$
V
m
E
±/
‡
b
oI
Z
n
[
a
d
V
©Z
H
o$
A
Y
r
Z
h
¢A
m
°a
"
X
h
m
ßJ
H
$
m
ßJ
E
ßS
>e
ßK
m
B
©~
¢q
H
$
J
H
$
m
∞n
m
}a
oe
Z
{
b
{
_
Q
>oS
>,
B
ß{
S
>`
m
'
(
"
"
E
M
E
g
~
r
g
r
'
'
/
"
"
~
¢H
$
'
'
)
H
o$
Ò
d̀
ßH
o$
{
d
d
oH
$
n
a
A
m
Y
m
[
a
V
h
°.
A
p
h
Ì
e
L
$_
p
Z
p
L
$u
e
v
$ı
s
p
h
°≈
°(
s
d
p
d
v
$ı
s
p
h
°≈
°ı
h
e
Ñ‚
d
p
r
Z
s
L
$f
°g
p
l
p
°h
p
≈
°C
A
°)
_
u
Q
°A
p
h
Ì
e
L
$d
|m
v
$ı
s
p
h
°≈
°A
p
‡
e
p
R
>
°.
h
^
yr
h
N
s
p
°d
p
V
°$s
d
p
f
p
q
f
g
°i
_
r
ì
d
°_
°S
>
f
≈
°X
°$h
p
s
L
$f
p
°A
\
h
p
_
∆
L
$_
u
i
p
M
p
_
u
d
yg
p
L
$p
s
g
p
°
r
h
N
s
p
°
r
_
h
p
k
u
c
p
f
s
u
e
L
$
p
e
v
°
$
k
f
L
$
p̀
s
b
s
p
h
s
u
R
>
°Î
g
p
d
p
ÑR
>
°Î
g
p
3
d
r
l
_
p
_
uǸ
p
f
_
u
[
ı
g̀
;
Ǹ
p
f
v
$p
f
Ï
e
[
º
s
A
_
°
R
>
°Î
g
p
3
Ǹ
p
f
S
>
d
p
\
e
p
l
p
°h
p
_
yÑ v
$i
p
Æh
s
p
ÑR
>
°Î
g
p
d
r
l
_
p
_
p
Ñb
°fi
L
$r
_
h
°v
$_
p
°.
R
>
°Î
g
p
2
h
j
Æ_
yÑ l̀
p
¢Q
k
p
\
°_
yÑ A
p
C
V
$u
q
f
V
$_
Æ(
C
A
°º
_
p
°g
°S
>
d
°fi
V
$k
r
l
s
)
ı
h
f
p
°S
>
N
p
f
u
Ï
e
[
º
s
/
c
p
N
u
v
$p
f
`
°Y
$u
(
g
p
°_∑
∑
k
u
A
°‹
p
f
p
‚
d
p
r
Z
s
/
A
p
°q
X
$V
$L
$f
°g
yÑ ù
A
°fi
X
$A
°g
M
p
s
yÑ,
b
°g
°fi
k
i
u
V
$A
_
°s
d
p
d
b
u
X
$p
Z
p
°A
_
°
c
p
N
u
v
$p
f
p
°_
u
s
f
a
°Z
d
p
Ñ À
p
i
°)
/
‚
p
C
h
°V
$
A
p
°r
X
$V
$f
_
u
_
p
¢^
k
p
\
°N
s
2
h
j
Æd
p
V
°$A
p
h
L
$_
u
N
Z
s
f
u
r
g
r
d
V
°$X
$L
Ñ$`
_
u
A
p
°(
g
p
°_
X
$p
e
f
°º
V
$f
p
°_
u
∑
R
>
°Î
g
p
6
d
r
l
_
p
d
p
V
°$‚
p
\
r
d
L
$b
°fi
L
$M
p
s
yÑ r
_
h
°v
$_
s
f
a
°Z
d
p
Ñ À
p
i
°)
.
g
p
°_
`
°Y
$u
/
L
Ñ$`
_
u
_
p
∑
c
p
N
u
v
$p
f
u
`
°Y
$u
d
p
V
°$h
^
p
f
p
_
yÑ c
p
N
u
v
$p
f
u
_
yÑ X
$u
X
$A
p
h
Ì
e
L
$R
>
°
c
p
N
u
v
$p
f
(
f
p
°)
/
X
$p
e
f
°º
V
$f
(
f
p
°)
_
°A
p
ù
‚
p
C
h
°V
$r
g
r
d
V
°$X
$L
Ñ$`
_
u
A
p
°d
p
V
°$h
^
p
f
p
_
u
A
p
h
Ì
e
L
$s
p
A
p
°:
i
L
$p
e
,
ƒ
e
p
Ñ`
°Y
$u
/
L
Ñ$`
_
u
k
l
A
f
S
>
v
$p
f ∑
A
°)
k
u
A
°‹
p
f
p
e
p
°¡
e
‚
d
p
r
Z
s
i
°f
l
p
°[
Î
X
Ñ$N
`
°V
$_
ÆA
\
h
p
d
°d
p
°f
°fi
X
$d
A
°fi
X
$A
p
q
V
Æ$L
$Î
k
A
p
°a
A
°k
p
°r
k
e
°i
_
s
f
u
L
°$g
C
i
L
$p
e
b
u
)
X
$p
e
f
°º
V
$f
p
°_
u
e
p
v
$u
∑
L
$fi
k
Î
V
$fi
V
$/
ı
h
f
p
°S
>
N
p
f
u
Ï
e
p
h
k
p
r
e
L
$
R
>
°Î
g
p
2
h
j
Æ_
yÑ l̀
p
¢Q
k
p
\
°_
yÑ A
p
C
V
$u
q
f
V
$_
Æ(
C
A
°º
_
p
°g
°S
>
d
°fi
V
$k
r
l
s
)
∑
k
u
A
°‹
p
f
p
‚
d
p
r
Z
s
/
A
p
°q
X
$V
$L
$f
°g
yÑ ù
A
°fi
X
$A
°g
M
p
s
yÑ,
b
°g
°fi
k
i
u
V
$A
_
°s
d
p
d
b
u
X
$p
Z
p
°A
_
°
A
p
°r
X
$V
$f
_
u
_
p
¢^
k
p
\
°R
>
°Î
g
p
2
h
j
Æd
p
V
°$A
p
h
L
$_
u
N
Z
s
f
u
∑
R
>
°Î
g
p
6
d
r
l
_
p
d
p
V
°$‚
p
\
r
d
L
$b
°fi
L
$M
p
s
yÑ r
_
h
°v
$_
r
h
N
s
p
°
Ǹ
p
f
v
$p
f
A
°_
A
p
f
A
p
C
(
_
p
°_
f
°r
k
X
°$fi
V
$C
r
fi
X
$e
_
)
A
f
S
>
v
$p
f
∑
r
h
T
p
ı
V
°$Á
‡
k
v
$i
p
Æh
s
p
‚
d
p
r
Z
s
c
p
f
s
u
e
p̀
k̀
p
°V
Æ$_
u
_
L
$g
A
\
h
p
r
h
v
°$i
up̀
k̀
p
°V
Æ$_
u
k
d
L
$n
v
$ı
s
p
h
°≈
°_
u
_
L
$g
∑
A
f
S
>
v
$p
f
M
p
s
p
^
p
f
L
$_
u
A
°_
A
p
f
A
p
C
[
ı
\
r
s
_
°k
d
\
Æ_
A
p
s̀
p
‚
d
p
r
Z
s
r
h
T
p
/
h
L
Æ$ f̀
r
d
V
$/
k
d
L
$n
v
$ı
s
p
h
°≈
°_
u
_
L
$g
∑
Ǹ
p
f
/ Ǹ
p
f
‚
d
p
Z̀
”
/
Ǹ
p
f
_
u
[
ı
g̀
_
p
`
yf
p
h
p
Í
$`
°R
>
°Î
g
p
d
p
ÑR
>
°Î
g
p
L
$p
°fi
V
≤$p
º
V
$_
u
_
L
$g
∑
Ǹ
p
f
S
>
d
p
\
e
p
_
yÑ b
s
p
h
s
p
ÑR
>
°Î
g
p
3
d
r
l
_
p
_
p
Ñv
$q
f
e
p
p̀
f
_
u
b
°fi
L
$_
p
ÑM
p
s
p
r
_
h
°v
$_
p
°
∑
3
d
r
l
_
p
_
yÑ A
°_
A
p
f
C
/
A
°_
A
p
f
A
p
°M
p
s
p
r
_
h
°v
$_
∑
N
∞p
l
L
$[
ı
\
s
l
p
°e
s
°v
°$i
_
p
°g
p
°L
$g
Â
e
yf
p
°q
f
p̀
°V
Æ$
d
Q
Æfi
V
$_
°h
u
d
p
Ñ_
p
°L
$f
u
∑
R
>
°Î
g
p
d
p
ÑR
>
°Î
g
u
L
$p
°fi
V
≤$p
º
V
$_
u
_
L
$g
.
≈
°A
p
h
j
£6
d
r
l
_
p
\
u
h
^
yk
d
e
d
p
V
°$'
l
p
°d
p̀
°V
Æ$'
f̀
l
p
°e
s
p
°
„
e
yQ
f
L
$p
°fi
V
≤$p
º
V
$_
u
_
L
$g
A
p
h
Ì
e
L
$f
l
°i
°
∑
3
h
j
Æ_
p
_
p
°L
$f
u
_
p
`
yf
p
h
p
d
p
V
°$R
>
°Î
g
p
d
p
ÑR
>
°Î
g
yÑ L
$[
fi
V
$fi
e
yA
k
q
X
$ı
Q
p
S
>
Æk
q
V
Æ$q
a
L
°$V
$(
k
u
X
$u
k
u
)
∑
A
p
°m
M
_
p
`
yf
p
h
p
d
p
V
°$ p̀
k̀
p
°V
Æ$_
u
_
L
$g
∑
b
°fi
L
$M
p
s
yÑ r
_
h
°v
$_
‚
p
C
d
f
u
b
°fi
L
$A
L
$p
D
fi
V
π$k
_
p
3
d
r
l
_
p
∑
N
∞p
l
L
$[
ı
\
s
l
p
°e
s
°v
°$i
_
p
°g
p
°L
$g
Â
e
yf
p
°q
f
p̀
°V
Æ$(
≈
°r
_
h
p
k
u
v
°$i
c
p
f
s
r
k
h
p
e
_
p
°A
fi
e
l
p
°e
s
p
°g
p
N
y)
_
p
¢^
:
L
©$ è
p
h
^
yd
p
r
l
s
u
d
p
V
°$www.hsbc.co.in S
y>
A
p
°.
D
º
s
_
p
¢^
°g
u
A
p
h
Ì
e
L
$s
p
A
p
°/
v
$ı
s
p
h
°∆
L
$f
Z
a
°f
a
p
f
_
°A
p
^
u
_
R
>
°A
_
°^
l
p
¢N
L
$p
¢N
A
°fi
X
$i
p
ÑO
p
C
b
°[
fi
L
Ñ$N
L
$p
° p̀
£f
°i
_
r
g
r
d
V
°$X
$,
C
[
fi
X
$e
p
(
"
"
A
°Q
A
°k
b
u
k
u
'
'
/
"
"
b
°fi
L
$'
'
)
_
u
d
f
∆
f̀
R
>
°.
HOME LOAN APPLICATION PROCESS FLOW
Sr. No. Steps
No. of days
1.
Customer discusses loan requirement with HSBC
2.
Customer submits Home Loan application form,
processing fee cheque of `5,000 plus service tax and
required documentation as per HSBC's policy
3.
HSBC processes the application and communicates
the decision of pre-approval/decline. Letter is sent to
customer informing of this decision
4.
On receipt of letter, customer submits property
31 working days post submission of copies of complete property
documents as applicable. HSBC completes evaluation documents
of the property i.e. valuation and legal evaluation
5.
Customer submits documents for finalisation of
loan as per HSBC's policy along with the balance
processing fee cheque
6.
The loan is processed based on HSBC's policy
7.
If the loan is sanctioned, customer submits loan agreement
and other loan documents specified by HSBC for disbursal
4-5 working days post submission of complete documents
2 working days post submission of complete documents
8.
Loan is disbursed post submission of loan agreement
and other required documents by the customer
1 working day post submission of duly stamped and completed
loan agreement
9.
Loan Pay Order is prepared
1 working day post loan disbursal
10.
HSBC dispatches welcome pack to the customer
7 working days post loan disbursal
Your loan will be disbursed in full or in instalments as per the schedule submitted by the builder and progress of construction as
assessed by HSBC. As per our guidelines, the loan disbursal will be subject to clearance of legal and valuation reports.
Please do note that your loan disbursal is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited,
India. The above timelines are indicative and we would strive to meet them on a best effort basis.
1
Legal turn around time (TAT) is ‘State’ specific.
J
•h
H
$
O
©A
m
d
oX
Z
‡
m
og
og
‚
b
m
o
A
Z
w. M
a
U
H
´$
.
{
X
Z
m
|H
$
s
g
ߪ̀
m
1
.
J
´m
h
H
$
E
M
E
g
~
r
g
r
H
o$
g
m
W
H
$
O
©A
m
d
Ì
`
∫
$
m
H
o$
~
m
a
o_
|M
M
m
©H
$
a
V
m
h
°.
2
.
J
m
´h
H
$
,
E
M
E
g
~
r
g
r
H
$
s
n
m
{
∞b
g
r
H
$
oA
Z
g
w m
a
J
h
• G
$
U
A
m
d
X
oZ
‡
n
Ã
,
È
.
5
0
0
0
H
$
o
‡
g
Ò
ßH
$
a
U
e
Î
wH
$
d
C
g
H
$
og
m
W
g
d
om
H
$
a
H
$
m
M
H
o$
E
d
ßA
m
d
Ì
H̀
$
‡
b
I
o Z
‡
Ò
V
V
w H
$
a
V
m
h
.
°
3
.
E
M
E
g
~
r
g
r
A
m
d
oX
Z
H
$
m
o‡
g
ßÒ
H
•$
V
H
$
a
V
r
h
°A
m
°a
n
yd
©A
Z
w_
m
oX
Z
/
B
›
H
$
m
a
H
$
m
{
Z
U
©` g
ßn
yU
©‡
b
oI
m
|H
o$
O
_
m
{
H
$
E
O
m
Z
oH
o$
~
m
X
4
5
H
$
m
`
©{
X
d
g
g
y{
M
V
H
$
a
V
r
h
°.
J
´m
h
H
$
H
$
m
oB
g
{
Z
U
©`
H
$
s
g
yM
Z
m
X
oZ
od
m
b
m
n
Ã
^
oO
m
O
m
V
m
h
°.
1
4
. n
Ã
H
$
s
a
g
r
X
‡
m
·
h
m
oZ
on
a
,
O
°g
m
^
r
b
m
J
yh
m
o,
J
´m
h
H
$
g
ßn
{
Œ
m
‡
b
oI
‡
Ò
V
wV
H
$
a
V
m
h
°.
g
ßn
{
Œ
m
H
o$
n
ya
oX
Ò
V
m
d
oO
m
|H
$
s
‡
{
V
{
_
b
Z
oH
o$
~
m
X
3
H
$
m
_
H
$
m
O
r
{
X
Z
E
M
E
g
~
r
g
r
g
ßn
{
Œ
m
H
$
m
_
yÎ̀
{
Z
Y
m
©a
U
`
m
Z
r
_
yÎ̀
m
ßH
$
Z
A
m
°a
H
$
m
Z
yZ
r
_
yÎ̀
m
ßH
$
Z
n
ya
m
H
$
a
V
r
h
°.
5
. E
M
E
g
~
r
g
r
H
$
s
n
m
∞{
b
g
r
H
o$
A
Z
wg
m
a
J
´m
h
H
$
G
$
U
H
$
m
oA
ß{
V
_
Í
$
n
X
oZ
oH
o$
{
b
E
e
of
a
m
{
e
H
o‡
g
ßÒ
H
$
a
U
e
wÎ
H
$
H
oM
oH
$
H
o$
g
m
W
‡
b
oI
‡
Ò
V
wV
H
$
a
V
m
h
°.
g
ßn
yU
©‡
b
oI
m
|H
o$
O
_
m
{
H
$
E
O
m
Z
oH
o$
~
m
X
2
H
$
m
`
©{
X
d
g
M
E
g
~
r
g
r
H
$
s
n
m
∞{
b
g
r
H
o$
A
m
Y
m
a
n
a
G
$
U
‡
{
H
´$
`
m
e
wÍ
$
H
$
s
O
m
V
r
h
°.
6
. E
7
. `
{
X
G
$
U
Ò
d
r
H
•$
V
{
H
$
`
m
O
m
V
m
h
°,
V
m
oJ
´m
h
H
$
G
$
U
A
Z
w~
ßY
A
m
°a
g
ß{
d
V
a
U
H
o$
{
b
E
E
M
E
g
~
r
g
r
¤
m
a
m
{
d
e
of
Í
$
n
g
o{
Z
{
X
©Ó
Q
>A
›
`
‡
b
oI
‡
Ò
V
wV
H
$
a
V
m
h
°.
8
. J
m
´h
H
$
¤
m
a
m
G
$
U
A
Z
~
wY
ß A
m
a
°A
›
`
A
m
d
Ì
H̀
$
‡
b
I
o O
_
m
{
H
$
E
O
m
Z
oH
$
o~
m
X
G
$
U
H
$
m
g
{
ßd
V
a
U
{
H
$
`
m
O
m
V
m
h
.
°
9
. n
oA
m
∞S
>©a
~
Z
m
`
m
O
m
V
m
h
°
1
0
. E
M
E
g
~
r
g
r
J
´m
h
H
$
H
$
m
oÒ
d
m
J
V
n
°H
$
^
oO
V
r
h
°
{
d
{
Y
d
V
_
m
oh
a
b
J
m
E
A
m
°a
n
yU
©{
H
$
E
J
E
G
$
U
A
Z
w~
ßY
H
o$
O
_
m
{
H
$
E
O
m
Z
oH
o$
~
m
X
1
H
$
m
`
©{
X
d
g
G
$
U
g
ß{
d
V
a
U
H
o$
~
m
X
1
H
$
m
`
©{
X
d
g
G
$
U
g
ß{
d
V
a
U
H
o$
~
m
X
7
H
$
m
`
©{
X
d
g
{
~
Î
S
>a
¤
m
a
m
‡
Ò
V
wV
H
$
m
`
©H
´$
_
A
m
°a
E
M
E
g
~
r
g
r
¤
m
a
m
A
m
H
$
{
b
V
{
Z
_
m
©U
H
$
s
‡
J
{
V
H
o$
A
Z
wg
m
a
A
m
n
H
m
G
$
U
n
ya
m
`
m
{
H
$
Ì
V
m
|_
|{
d
V
[
a
V
{
H
$
`
m
O
m
E
J
m
.
h
_
m
a
o{
X
e
m
{
Z
X
}e
m
|H
o$
A
Z
wg
m
a
,
G
$
U
H
$
m
{
d
V
a
U
H
$
m
Z
yZ
r
A
m
°a
_
yÎ̀
m
ßH
$
Z
[
a
n
m
oQ
>©H
$
s
_
ßO
ya
r
H
o$
A
Y
r
Z
h
m
oJ
m
.
H
•$
ǹ
m
‹
`
m
Z
X
|{
H
$
A
m
n
H
$
m
G
$
U
g
ß{
d
V
a
U
n
ya
r
V
a
h
"
X
h
m
ßJ
H
$
m
ßJ
E
ßS
>e
ßK
m
B
©~
¢q
H
$
J
H
$
m
∞n
m
}a
oe
Z
{
b
{
_
Q
>oS
>,
B
ß{
S
>`
m
'
H
o$
A
n
Z
o{
d
d
oH
$
n
a
{
H
$
`
m
O
m
E
J
m
.
C
n
a
m
o∫
$
g
_
`
g
r
_
m
E
±
g
m
ßH
o$
{
V
H
$
h
¢A
m
°a
h
_
E
H
$
g
d
m
}Œ
m
_
‡
`
m
g
H
o$
A
m
Y
m
a
n
a
C
›
h
|n
ya
m
H
$
a
Z
oH
$
m
‡
`
m
g
H
$
a
|J
o.
1
d
°Y
m
{
Z
H
$
Q
>Z
©A
a
m
C
ßS
>Q
>m
B
_
(
Q
>r
E
Q
>r
)
"
"
a
m
¡
`
'
'
{
d
e
of
n
a
{
Z
^
©a
H
$
a
V
m
h
°
l
p
°d
g
p
°_
A
f
∆
‚
q
æ
$e
p
‚
h
p
l
A
_
y. Ǹ
g
p
Ñ
æ
$.
q
v
$h
k
p
°_
u
k
Ñø
e
p
?
1
. N
∞p
l
L
$A
°Q
A
°k
b
u
k
u
k
p
\
°g
p
°_
_
u
A
p
h
Ì
e
L
$s
p
r
h
i
°Q
Q
p
ÆL
$f
°R
>
°
2
. N
∞p
l
L
$l
p
°d
g
p
°_
A
f
∆
`
”
L
$k
p
\
°Í
$.
5
0
0
0
_
u
‚
p
°k
°t
k
N
a
u
_
p
°Q
°L
$
h
—
p
k
°h
p
L
$f
A
_
°A
°Q
A
°k
b
u
k
u
_
u
_
u
r
s
A
_
yk
p
f
A
p
h
Ì
e
L
$
v
$ı
s
p
h
°≈
°k
y f̀
s
L
$f
°R
>
°.
3
. A
°Q
A
°k
b
u
k
u
A
f
∆
‚
p
°k
°k
L
$f
°R
>
°A
_
°`
|h
Æd
ÑS
|>
f
u
/
_
L
$p
f
_
p
4
5
L
$p
d
L
$p
S
>
_
p
q
v
$h
k
p
°,
k
Ñ`
|Z
Æv
$ı
s
p
h
°≈
°k
y f̀
s
L
$e
p
Æ R̀
>
u
.
r
_
Z
Æe
_
u
≈
Z
L
$f
°R
>
°.
A
p
r
_
Z
Æe
_
u
≈
Z
L
$p
f
u
A
p
s̀
p
°`
”
N
∞p
l
L
$_
°
d
p
°L
$g
h
p
d
p
ÑA
p
h
°R
>
°.
1
L
$p
d
L
$p
S
>
_
p
q
v
$h
k
p
°,
k
Ñ`
|Z
Ær
d
g
L
$s
_
p
v
$ı
s
p
h
°≈
°_
u
_
L
$g
p
°k
y f̀
s
4
. `
”
‚
p
‡
s
\
h
pf̀
N
∞p
l
L
$g
p
N
yd
yS
>
b
r
d
g
L
$s
_
p
v
$ı
s
p
h
°≈
°k
y f̀
s3
L
$e
p
Æ R̀
>
u
.
L
$f
°R
>
°.
A
°Q
A
°k
b
u
k
u
r
d
g
L
$s
_
yÑ d
|Î
e
p
ÑL
$_
`
|Z
ÆL
$f
°R
>
°,
A
°V
$g
°L
°$,
d
|Î
e
p
ÑL
$_
A
_
°L
$p
_
|_
u
d
|Î
e
p
ÑL
$_
.
5
. N
∞p
l
L
$b
p
L
$u
‚
p
°k
°t
k
N
a
u
_
p
Q
°L
$k
p
\
°A
°Q
A
°k
b
u
k
u
_
u
_
u
r
s
A
_
yk
p
f
g
p
°_
_
u
A
p
M
f
u
r
h
r
^
d
p
V
°$v
$ı
s
p
h
°≈
°k
y f̀
s
L
$f
°R
>
°
6
. A
°Q
A
°k
b
u
k
u
_
u
_
u
r
s
A
_
yk
p
f
g
p
°_
‚
p
°k
°k
\
p
e
R
>
°.
2
L
$p
d
L
$p
S
>
_
p
r
v
$h
k
p
°,
k
Ñ`
|Z
Æv
$ı
s
p
h
°≈
°k
y f̀
s
L
$e
p
Æ R̀
>
u
.
7
. ≈
°g
p
°_
d
ÑS
|>
f
\
p
e
s
p
°N
∞p
l
L
$g
p
°_
_
p
r
h
s
f
Z
d
p
V
°$A
°Q
A
°k
b
u
k
u
‹
p
f
p
r
_
^
p
Æq
f
s
g
p
°_
L
$f
p
f
A
_
°A
fi
e
g
p
°_
v
$ı
s
p
h
°≈
°k
y f̀
s
L
$f
°R
>
°.
1
L
$p
d
L
$p
S
>
_
p
°r
v
$h
k
,
e
p
°¡
e
ı
V
°$Á
‡
X
$A
_
°`
|Z
°L
$f
°g
p
°g
p
°_
L
$f
p
f
k
y f̀
s
L
$e
p
Æ
8
. N
∞p
l
L
$‹
p
f
p
g
p
°_
L
$f
p
f
A
_
°A
fi
e
A
p
h
Ì
e
L
$v
$ı
s
p
h
°≈
°k
y f̀
s
L
$e
p
Æ
R̀
>
u
.
R̀
>
u
g
p
°_
r
h
s
f
Z
L
$f
p
e
R
>
°.
9
. g
p
°_
`
°A
p
°X
Æ$f
s
•e
p
f
L
$f
p
e
R
>
°.
1
L
$p
d
L
$p
S
>
_
p
°q
v
$h
k
,
g
p
°_
r
h
s
f
Z
L
$e
p
Æ R̀
>
u
.
1
0
.A
°Q
A
°k
b
u
k
u
N
∞p
l
L
$_
°h
°Î
L
$d
`
°L
$d
p
°L
$g
°R
>
°.
7
L
$p
d
L
$p
S
>
_
p
q
v
$h
k
p
°,
g
p
°_
r
h
s
f
Z
L
$e
p
Æ R̀
>
u
.
s
d
p
f
u
g
p
°_
r
b
Î
X
$f
‹
p
f
p
k
y f̀
s
L
$f
p
e
°g
p
k
d
è
”
L
$A
_
°A
°Q
A
°k
b
u
k
u
‹
p
f
p
A
p
L
$g
_
L
$e
p
Æd
yS
>
b
b
p
Ñ^
L
$p
d
_
u
‚
N
r
s
A
_
yk
p
f
k
Ñ`
|Z
ÆL
°$l
‡
s
p
d
p
Ñr
h
s
f
Z
L
$f
p
i
°.
A
d
p
f
u
d
p
N
Æv
$r
i
ÆL
$p
A
_
yk
p
f
g
p
°_
_
yÑ r
h
s
f
Z
L
$p
_
|_
u
A
_
°d
|Î
e
p
ÑL
$_
A
l
°h
p
g
p
°_
u
d
ÑS
|>
f
u
_
°A
p
^
u
_
f
l
°i
°.
L
©$ è
p
_
p
¢^
u
g
p
°L
°$s
d
p
f
u
g
p
°_
_
yÑ r
h
s
f
Z
^
l
p
¢N
L
$p
¢N
A
°fi
X
$i
p
ÑO
p
C
b
°q
fi
L
Ñ$N
L
$p
° p̀
£f
°i
_
r
g
r
d
V
°$X
$,
C
[
fi
X
$e
p
_
u
A
°L
$d
°h
d
f
∆
f̀
f
l
°i
°.
D
º
s
k
d
e
f
°M
p
k
p
ÑL
°$r
s
L
$R
>
°A
_
°s
°_
° l̀
p
¢Q
u
h
m
h
p
d
p
V
°$A
d
°Ó
°õ $‚
e
p
k
L
$f
u
i
yÑ.
1
L
$p
_
|_
u
V
$_
ÆA
f
p
D
fi
X
$V
$p
C
d
(
V
$u
A
°V
$u
)
"
"
f
p
ƒ
e
'
'
d
yS
>
b
f
l
°i
°.
Home Loan2
To fulfil your dream of purchasing your own home.
Features of Home Loan
• Loans ranging from `3 lakh3 to `10 crore3
• Loan tenures offered upto 20 years and for salaried applicants
upto 25 years
• Loans are offered to Resident Indians and Non-Resident Indians
(NRI) for ready properties, select under construction properties
approved by HSBC, purchase of plot of land, self-construction
and home improvement. NRI applicants must have a local
co-applicant or a local contact person
For more details on Home Loan, visit www.hsbc.co.in
J
•h
H
$
O
©2
A
n
Z
m
I
wX
H
$
m
K
a
I
a
r
X
Z
oH
o$
A
m
n
H
o$
g
n
Z
oH
$
m
on
ya
m
H
$
a
Z
oH
o$
{
b
E
J
•h
G
$
U
H
$
s
{
d
e
of
V
m
E
±
3
∑
`3
b
m
I
g
o `1
0
H
$
a
m
oãS
>3
H
$
s
g
r
_
m
_
|G
$
U
.
∑
‡
Ò
V
m
{
d
V
G
$
U
A
d
{
Y
2
0
d
f
m
]V
H
$
A
m
°a
d
oV
Z
^
m
oJ
r
A
m
d
oX
H
$
m
|H
o$
{
b
E
2
5
d
f
m
]V
H
$
.
∑
E
M
E
g
~
r
g
r
¤
m
a
m
A
Z
w_
m
o{
X
V
V
°`
m
a
g
ßn
{
Œ
m
`
m
|,
M
wq
Z
X
m
{
Z
_
m
©U
m
Y
r
Z
g
ßn
{
Œ
m
`
m
|,
O
_
r
Z
H
o$
{
H
$
g
r
^
yI
ßS
>
H
o$
H
´$
,̀
Ò
d̀
ߤ
m
a
m
{
Z
_
m
©U
A
m
°a
K
a
H
o$
g
wY
m
a
H
o$
{
b
E
A
m
d
m
g
r
^
m
a
V
r
`
A
m
°a
A
‡
d
m
g
r
^
m
a
V
r
`
(
E
Z
A
m
a
A
m
B
©)
H
$
m
oG
$
U
X
oZ
oH
$
s
n
oe
H
$
e
H
$
s
O
m
V
r
h
°.
E
Z
A
m
a
A
m
B
©A
m
d
oX
H
$
m
|H
o$
n
m
g
H
$
m
oB
©Ò
W
m
Z
r
`
g
h
A
m
d
oX
H
$
`
m
H
$
m
oB
©Ò
W
m
Z
r
`
g
ßn
H
©$
g
yÃ
h
m
oZ
m
M
m
{
h
E
.
J
•h
H
$
O
©n
a
A
{
Y
H
$
O
m
Z
H
$
m
a
r
H
o$
{
b
E
www.hsbc.co.in n
a
{
d
{
µO
Q
>H
$
a
|.
2
l
p
°d
g
p
°_
s
d
p
f
yÑ p̀
°s
p
_
yÑ O
f
M
f
u
v
$u
L
$f
h
p
_
yÑ s
d
p
f
yÑ k̀
_
yÑ k
p
L
$p
f
L
$f
h
p
d
p
V
$°.
l
p
°d
g
p
°_
_
u
r
h
r
i
Ù
$s
p
A
p
°
3
3
∑
g
p
°_
`3
g
p
M
\
u
`1
0
L
$f
p
°X
$k
y^
u
_
u
Ó
°Z
u
d
p
Ñ.
∑
g
p
°_
2
0
h
j
Æk
y^
u
_
u
d
yv
$s
d
p
V
°$d
m
i
°A
_
°_
p
°L
$q
f
e
p
s
A
f
S
>
v
$p
f
d
p
V
°$2
5
h
j
Æ
k
y^
u
_
u
d
yv
$s
f
l
°i
°.
∑
s
•e
p
f
r
d
g
L
$s
p
°,
A
°Q
A
°k
b
u
k
u
‹
p
f
p
d
ÑS
|>
f
Q
y_
Ñv
$u
b
p
Ñ^
L
$p
d
l
°W
$m
_
u
r
d
g
L
$s
p
°,
S
>
d
u
_
_
p
‡
g
p
°V
$_
u
M
f
u
v
$u
,
≈
s
°b
p
Ñ^
L
$p
d
A
_
°O
f
`
y_
f
yŸ
p
f
d
p
V
°$r
_
h
p
k
u
c
p
f
s
u
e
A
_
°r
b
_
r
_
h
p
k
u
c
p
f
s
u
e
p
°(
A
°_
A
p
f
A
p
C
)
_
°g
p
°_
A
p
°a
f
L
$f
p
e
R
>
°.
A
°_
A
p
f
A
p
C
A
f
S
>
v
$p
f
p
°_
up̀
k
°ı
\
p
r
_
L
$k
l
A
f
S
>
v
$p
f
L
°$ı
\
p
r
_
L
$
k
Ñ L̀
Æ$Ï
e
[
º
s
l
p
°h
yÑ S
>
Í
$f
u
R
>
°.
l
p
°d
g
p
°_
f̀
h
^
yr
h
N
s
p
°d
p
V
°$d
yg
p
L
$p
s
g
p
°:
www.hsbc.co.in
Smart Home2
A Home Loan that enables you to save on interest payments
and thereby reduce tenure of your loan.
Features of Smart Home
•
Loans ranging from `5 lakh3 to `10 crore3
•
Loan tenures offered upto 20 years and for salaried applicants
upto 25 years
•
Your Smart Home is operated through a Smart Home account
that acts as a current account with an overdraft limit equal to
the amount of the loan disbursed
Your Smart Home account would be your loan account
For more details on Smart Home, visit www.hsbc.co.in
2
Ò
_
m
Q
>©h
m
o_
E
H
$
J
•h
G
$
U
O
m
oA
m
n
H
$
m
o„
m̀
O
^
wJ
V
m
Z
n
a
~
M
V
H
$
a
Z
o_
|g
j
_
~
Z
m
V
m
h
°A
m
°a
B
g
V
a
h
A
m
n
H
o$
G
$
U
H
$
s
A
d
{
Y
H
$
m
oH
$
_
H
$
a
V
m
h
°.
Ò
_
m
Q
>©h
m
o_
H
$
s
{
d
e
of
V
m
E
±
3
∑
`5
b
m
I
g
o `1
0
H
$
a
m
oS
>3
H
o$
~
r
M
H
$
O
©
∑
‡
Ò
V
m
{
d
V
G
$
U
A
d
{
Y
2
0
d
f
m
]V
H
$
A
m
°a
d
oV
Z
^
m
oJ
r
A
m
d
oX
H
$
m
|H
o$
{
b
E
2
5
d
f
m
]V
H
$
.
∑
A
m
n
H
$
m
Ò
_
m
Q
>©h
m
o_
E
H
$
Ò
_
m
Q
>©h
m
o_
E
H
$
m
C
ßQ
>H
o$
¤
m
a
m
g
ßM
m
{
b
V
{
H
$
`
m
O
m
V
m
h
°O
m
oA
m
n
H
o$
H
$
O
©
g
ß{
d
V
a
U
H
o$
~
a
m
~
a
H
$
s
a
m
{
e
H
o$
{
b
E
E
H
$
M
m
b
yI
m
V
oH
o$
Í
$
n
_
|H
$
m
_
H
$
a
V
m
h
°.
A
m
n
H
$
m
Ò
_
m
Q
>©h
m
o_
E
H
$
m
C
ßQ
>A
m
n
H
$
m
b
m
oZ
E
H
$
m
C
ßQ
>h
m
oJ
m
.
Ò
_
m
Q
>©h
m
o_
n
a
A
{
Y
H
$
O
m
Z
H
$
m
a
r
H
o$
{
b
E
www.hsbc.co.in n
a
{
d
{
µO
Q
>H
$
a
|.
2
ı
d
p
V
Æ$l
p
°d
s
d
_
°Ï
e
p
S
>
_
u
Q
yL
$h
Z
u
d
p
Ñb
Q
s
L
$f
p
h
s
u
l
p
°d
g
p
°_
,
S
>
°_
°g
u
^
°s
d
p
f
u
g
p
°_
_
u
d
yv
$s
Z̀
A
p
°R
>
u
\
p
e
R
>
°.
ı
d
p
V
$Æl
p
°d
_
u
r
h
r
i
Ù
$s
p
A
p
°
3
3
∑
g
p
°_
`5
g
p
M
\
u
`1
0
L
$f
p
°X
$k
y^
u
_
u
Ó
°Z
u
d
p
Ñ.
∑
g
p
°_
2
0
h
j
Æk
y^
u
_
u
d
yv
$s
d
p
V
°$d
m
i
°A
_
°_
p
°L
$q
f
e
p
s
A
f
S
>
v
$p
f
d
p
V
°$
2
5
h
j
Æk
y^
u
_
u
d
yv
$s
f
l
°i
°.
∑
s
d
p
f
yÑ ı
d
p
V
Æ$l
p
°d
A
°ı
d
p
V
Æ$l
p
°d
A
L
$p
D
fi
V
$d
p
f
a
s
Q
g
p
h
p
e
R
>
°,
S
>
°r
h
s
f
Z
L
$f
p
e
°g
u
g
p
°_
_
u
f
L
$d
_
u
k
d
L
$n
A
p
°h
f
X
≤$p
„
V
$d
e
p
Æv
$p
k
p
\
°L
$f
fi
V
$A
L
$p
D
fi
V
$
s
f
u
L
$°L
$p
d
L
$f
°R
>
°.
s
d
p
f
yÑ ı
d
p
V
Æ$l
p
°d
A
L
$p
D
fi
V
$s
d
p
f
yÑ g
p
°_
A
L
$p
D
fi
V
$f
l
°i
°.
ı
d
p
V
Æ$l
p
°d
f̀
h
^
yr
h
N
s
p
°d
p
V
°$d
yg
p
L
$p
s
g
p
°:
www.hsbc.co.in
Loan Against Property (LAP)2
Raise funds against your residential property to take care of
your business/personal needs.
Features of LAP
•
Loans ranging from `3 lakh3 to `10 crore3
•
Loan tenures offered upto 15 years
For more details on LAP, visit www.hsbc.co.in
2
g
ßn
{
Œ
m
H
o$
g
_
j
H
$
O
©(
b
m
oZ
E
J
o›
Ò
Q
>‡
m
∞n
Q
>u
)
(
E
b
E
n
r
)
A
n
Z
oÏ
d̀
g
m
/̀
{
Z
µO
r
µO
Í
$
a
V
m
|H
m
ª̀
m
b
a
I
Z
oH
o$
{
b
E
A
n
Z
r
A
m
d
m
g
r
`
g
ßn
{
Œ
m
n
a
Y
Z
a
m
{
e
O
wQ
>m
V
m
h
°.
E
b
E
n
r
H
$
s
{
d
e
of
V
m
E
±
3
3
∑
`3
b
m
I
g
o`1
0
H
$
a
m
oS
>H
o$
~
r
M
H
$
O
©
∑
H
$
O
©1
5
d
f
©H
$
s
A
d
{
Y
H
o$
{
b
E
E
b
E
n
r
n
a
A
{
Y
H
$
O
m
Z
H
$
m
a
r
H
o$
{
b
E
www.hsbc.co.in n
a
{
d
{
µO
Q
>H
$
a
|.
2
g
p
°_
A
N
°C
fi
ı
V
$‚
p
° V̀
$}
(
A
°g
A
° ù
)
s
d
p
f
u
h
° p̀
f
/
A
ÑN
s
S
>
Í
$q
f
e
p
s
p
°_
°`
|f
u
L
$f
h
p
d
p
V
°$s
d
p
f
u
r
_
h
p
k
u
r
d
g
L
$s
k
p
d
°
c
ÑX
$p
°m
E
c
yÑ L
$f
p
°.
A
°g
A
° ù
_
u
r
h
r
i
Ù
$s
p
A
p
°
3
∑
g
p
°_
`3
g
p
M
\
u
`1
0
L
$f
p
°X
$3
k
y^
u
_
u
Ó
°Z
u
d
p
Ñ.
∑
g
p
°_
_
u
A
p
°a
f
L
$f
p
s
u
d
yv
$s
1
5
h
j
Æk
y^
u
_
u
R
>
°.
A
°g
A
° ù
r
h
i
°h
^
yr
h
N
s
p
°d
p
V
°$d
yg
p
L
$p
s
g
p
°:
www.hsbc.co.in
Smart Loan Against Property (SmartLAP)2
A loan against your residential property that enables you to
save on interest payments and thereby reduce tenure of your
loan.
Features of SmartLAP
•
Loans ranging from `5 lakh3 to `10 crore3
•
Loan tenures offered upto 15 years
•
Your SmartLAP is operated through a SmartLAP account that
acts as a current account with an overdraft limit equal to the
amount of the loan disbursed
Your SmartLAP account would be your loan account
For more details on SmartLAP, visit www.hsbc.co.in
2
Terms and conditions apply. All loans are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC/the Bank). Loans available for
applicants and properties in and around the city limits of Mumbai, New Delhi (NCR), Pune, Bengaluru, Chennai, Chandigarh, Ahmedabad, Hyderabad and Jaipur and are
subject to change from time to time. For detailed terms and conditions, visit www.hsbc.co.in
3
The minimum and maximum loan amount depends on city of property and property type. For more details visit www.hsbc.co.in
The interest rate on your floating rate loan, post 1 July 2010, is linked to the Bank's Base Rate. Any revision in the Base Rate would impact your interest rate.
2
g
ßn
{
Œ
m
H
o$
g
_
j
Ò
_
m
Q
>©b
m
oZ
(
Ò
_
m
Q
>©b
m
oZ
E
J
o›
Ò
Q
>‡
m
∞n
Q
>u
)
(
Ò
_
m
Q
>©E
b
E
n
r
)
A
m
n
H
$
s
A
m
d
m
g
r
`
g
ßn
{
Œ
m
n
a
E
H
$
G
$
U
O
m
oA
m
n
H
$
m
o„
m̀
O
^
wJ
V
m
Z
n
a
~
M
V
H
$
a
Z
o_
|g
j
_
~
Z
m
V
m
h
°A
m
°a
B
g
V
a
h
A
m
n
H
o$
G
$
U
H
$
s
A
d
{
Y
H
$
_
H
$
a
V
m
h
°.
Ò
_
m
Q
>©E
b
E
n
r
H
$
s
{
d
e
of
V
m
E
±
3
3
∑
`5
b
m
I
g
o `1
0
H
$
a
m
oS
>H
o$
~
r
M
H
$
O
©
∑
H
$
O
©1
5
d
f
©H
$
s
A
d
{
Y
H
o$
{
b
E
∑
A
m
n
H
$
m
Ò
_
m
Q
>©h
m
o_
E
H
$
Ò
_
m
Q
>©h
m
o_
E
H
$
m
C
ßQ
>H
o$
¤
m
a
m
g
ßM
m
{
b
V
{
H
$
`
m
O
m
V
m
h
°O
m
oA
m
n
H
o$
H
$
O
©
g
ß{
d
V
a
U
H
o$
~
a
m
~
a
H
$
s
a
m
{
e
H
o$
{
b
E
E
H
$
M
m
b
yI
m
V
oH
o$
Í
$
n
_
|H
$
m
_
H
$
a
V
m
h
°.
A
m
n
H
$
m
Ò
_
m
Q
>©h
m
o_
E
H
$
m
C
ßQ
>A
m
n
H
$
m
b
m
oZ
E
H
$
m
C
ßQ
>h
m
oJ
m
.
Ò
_
m
Q
>©E
b
E
n
r
n
a
A
{
Y
H
$
O
m
Z
H
$
m
a
r
H
o$
{
b
E
www.hsbc.co.in n
a
n
Y
m
a
|.
2
{
Z̀
_
A
m
°a
e
V
}ß b
m
J
y.
g
^
r
G
$
U
"
X
h
m
ßJ
H
$
m
ßJ
E
ßS
>e
ßK
m
B
©~
¢q
H
$
J
H
$
m
∞n
m
}a
oe
Z
{
b
{
_
Q
>oS
>,
B
ß{
S
>`
m
'
(
"
"
E
M
E
g
~
r
g
r
'
'
/
"
"
~
¢H
$
'
'
)
H
o$
A
n
Z
o{
d
d
oH
$
n
a
{
Z
^
©a
h
¢.
H
$
O
©_
wß~
B
©,
Z
B
©{
X
Ñ r
(
E
Z
g
r
A
m
a
)
,
n
wU
o,
~
ßJ
b
wÍ
$
,
M
°fi
B
©,
M
ßS
>r
J
T
>,
A
h
_
X
m
~
m
X
,
h
°X
a
m
~
m
X
A
m
°a
Ò
n
wa
H
o$
A
m
g
n
m
g
H
$
s
e
h
a
r
g
r
_
m
A
m
|n
a
p
Ò
W
V
g
ßn
{
Œ
m
`
m
|A
m
°a
A
m
d
oX
H
$
m
|H
o$
{
b
E
h
¢.
B
›
h
|g
_
-̀
g
_
`
n
a
~
X
b
m
O
m
g
H
$
V
m
h
°.
{
d
Ò
V
•V
{
Z̀
_
A
m
°a
e
V
m
]H
o$
{
b
E
,
H
•$
ǹ
m
www.hsbc.co.in n
a
n
Y
m
a
|.
3
H
$
O
©H
$
s
›
`
yZ
V
_
d
A
{
Y
H
$
V
_
a
m
{
e
e
h
a
|g
ßn
{
Œ
m
H
$
s
p
Ò
W
{
V
d
g
ßn
{
Œ
m
H
o$
‡
H
$
m
a
n
a
A
m
Y
m
[
a
V
h
°.
A
{
Y
H
$
O
m
Z
H
$
m
a
r
H
o$
{
b
E
www.hsbc.co.in n
a
n
Y
m
a
|.
4
1
O
wb
m
B
©2
0
1
0
H
o$
~
m
X
A
Ò
W
m
B
©X
a
F
$
U
n
a
„
`
m
O
H
$
s
X
a
~
¢H
$
H
o$
A
m
Y
m
a
X
a
g
og
ß~
ß{
Y
V
h
m
oV
r
h
°.
A
m
Y
m
a
X
a
_
|H
$
m
oB
©^
r
g
ße
m
oY
Z
A
m
n
H
$
s
„
`
m
O
X
a
H
$
m
o‡
^
m
{
d
V
H
$
a
oJ
m
.
2
ı
d
p
V
Æ$g
p
°_
A
N
°C
fi
ı
V
$‚
p
° V̀
$}
(
$ı
d
p
V
Æ$A
°g
A
° ù
)
s
d
p
f
u
r
_
h
p
k
u
r
d
g
L
$s
k
p
d
°g
p
°_
Ï
e
p
S
>
_
u
Q
yL
$h
Z
uf̀
s
d
p
f
u
b
Q
s
L
$f
°R
>
°,
S
>
°_
°
g
u
^
°s
d
p
f
u
g
p
°_
_
u
d
yv
$s
A
p
°R
>
u
\
p
e
R
>
°.
ı
d
p
V
Æ$A
°g
A
° ù
_
u
r
h
r
i
Ù
$s
p
A
p
°
3
3
∑
g
p
°_
`5
g
p
M
\
u
`1
0
L
$f
p
°X
$k
y^
u
_
u
Ó
°Z
u
d
p
Ñ.
∑
g
p
°_
_
u
A
p
°a
f
L
$f
p
s
p
°d
yv
$s
1
5
h
j
Æk
y^
u
_
u
R
>
°.
∑
s
d
p
f
yÑ ı
d
p
V
Æ$A
°g
A
° ù
A
°ı
d
p
V
Æ$A
°g
A
° ù
A
L
$p
D
fi
V
$d
p
f
a
s
Q
g
p
h
p
e
R
>
°,
S
>
°
r
h
s
f
Z
L
$f
p
e
°g
u
g
p
°_
_
u
f
L
$d
_
u
k
d
L
$n
A
p
°h
f
X
≤$p
„
V
$d
e
p
Æv
$p
k
p
\
°L
$f
fi
V
$
A
L
$p
D
fi
V
$s
f
u
L
$°L
$p
d
L
$f
°R
>
°.
s
d
p
f
yÑ ı
d
p
V
Æ$A
°g
A
° ù
A
L
$p
D
fi
V
$s
d
p
f
yÑ g
p
°_
A
L
$p
D
fi
V
$f
l
°i
°.
ı
d
p
V
Æ$A
°g
A
° ùf̀
h
^
yr
h
N
s
p
°d
p
V
°$d
yg
p
L
$p
s
g
p
° www.hsbc.co.in
2
r
_
e
d
p
°A
_
°i
f
s
p
°g
p
N
y.
s
d
d
p
g
p
°_
^
l
p
¢N
L
$p
¢N
A
°fi
X
$i
p
ÑO
p
C
b
°[
fi
L
Ñ$N
L
$p
° p̀
£f
°i
_
r
g
r
d
V
°$X
$,
C
[
fi
X
$e
p
(
"
"
A
°Q
A
°k
b
u
k
u
'
'
/
"
"
b
°fi
L
$'
'
)
_
u
A
°L
$d
°h
d
f
∆
f̀
f
l
°i
°.
g
p
°_
d
yÑb
C
,
_
h
u
q
v
$Î
l
u
(
A
°_
k
u
A
p
f
)
,
`
yZ
°,
b
°fi
N
g
yf
y,
Q
°fi
_
p
C
,
Q
ÑX
$u
N
Y
$,
A
d
v
$p
h
p
v
$,
l
•v
$f
p
b
p
v
$A
_
°S
>
è
yf
_
u
i
l
°f
u
k
u
d
p
A
p
°d
p
ÑA
_
°A
p
k̀
p
k
_
p
A
f
S
>
v
$p
f
p
°A
_
°r
d
g
L
$s
p
°d
p
V
°$D̀
g
Â
^
L
$f
p
i
°A
_
°k
d
e
p
Ñs
f
°s
°a
°f
a
p
f
_
°A
p
^
u
_
R
>
°.
r
_
e
d
p
°A
_
°i
f
s
p
°r
h
i
°
h
^
yr
h
N
s
p
°d
p
V
°$d
yg
p
L
$p
s
g
p
°:
www.hsbc.co.in
3
g
O
ys
d
A
_
°d
l
—
d
g
p
°_
_
u
f
L
$d
A
°r
d
g
L
$s
_
yÑ i
l
°f
A
_
°r
d
g
L
$s
_
p
‚
L
$p
f
f̀
A
p
^
p
f
f
p
M
°R
>
°.
h
^
yr
h
N
s
p
°d
p
V
°$d
yg
p
L
$p
s
g
p
°:
www.hsbc.co.in
4
s
d
p
f
u
„
g
p
°q
V
Ñ$N
v
$f
_
u
g
p
°_
D̀
f
Ï
e
p
S
>v
$f
p
°1
S
y>
g
p
C
,
2
0
1
0
Ú̀
p
s
A
°Q
A
°k
b
u
k
u
_
p
b
°T
f
°V
$k
p
\
°k
ÑL
$m
p
e
°g
p
R
>
°.
b
°T
f
°V
$d
p
ÑL
$p
°C
Z̀
k
y^
p
f
p
°s
d
p
f
p
Ï
e
p
S
>v
$f
f̀
‚
c
p
h
p̀
X
$i
°.
MOST IMPORTANT TERMS AND CONDITIONS (MITC)
A
{
V
_
h
À
d
n
yU
©{
Z̀
_
A
m
°a
e
V
](
E
_
A
m
B
©Q
>r
g
r
)
d
p
°ı
V
$C
Á
p̀
°V
Æ$fi
V
$V
$Á
k
ÆA
°fi
X
$L
Ñ$q
X
$i
fi
k
(
A
°d
A
p
C
V
$u
k
u
)
This MITC covers following loan products:
i. Home Loan (Home Loan)
ii. Smart Home (Smart Home)
iii. Loan Against Property (LAP)
iv. Smart Loan Against Property (SmartLAP)
B
Z
E
_
A
m
B
©Q
>r
g
r
_
|{
Z
Â
Z
p
b
{
I
V
H
$
O
©C
À
n
m
X
(
b
m
oZ
‡
m
∞S
>äQ
≤>g
)
e
m
{
_
b
h
¢:
J
•h
H
$
O
©(
h
m
o_
b
m
oZ
)
ii. Ò
_
m
Q
>©h
m
o_
(
Ò
_
m
Q
>©h
m
o_
)
iii. g
ßn
{
Œ
m
H
o$
g
_
j
H
$
O
©(
E
b
E
n
r
)
iv. g
ßn
{
Œ
m
H
o$
g
_
j
Ò
_
m
Q
>©b
m
oZ
(
Ò
_
m
Q
>©E
b
E
n
r
)
A
p
A
°d
A
p
C
V
$u
k
u
r
_
Á
_
r
g
r
M
s
g
p
°_
e
p
°S
>
_
p
A
p
°_
°A
p
h
f
u
g
°R
>
°:
i.
l
p
°d
g
p
°_
(
l
p
°d
g
p
°_
)
ii. ı
d
p
V
Æ$l
p
°d
(
ı
d
p
V
Æ$l
p
°d
)
iii. g
p
°_
A
N
°C
fi
ı
V
$‚
p
° V̀
$}
(
A
°g
A
° ù
)
iv. ı
d
p
V
Æ$g
p
°_
A
N
°C
fi
ı
V
$‚
p
° V̀
$}
(
ı
d
p
V
Æ$A
°g
A
° ù
)
i.
1. Fees and charges
• The Home Loan account requires you to pay us fees for providing the services or maintaining the loan accounts as notified
to you at the time of opening an account, requesting a service or effecting an instruction from time to time. A list of our
fees and charges applicable on our Home Loan products are set out in the tariff section of this application form, and are
updated on our website (www.hsbc.co.in). They are also available upon request at any of our branches across India
• You are requested to note that the tariff structure is subject to change with prospective effect from time to time at our sole
discretion, however we will notify you a month in advance about any such change. However, please note that a month's
notice would not be applicable to changes in interest rates and any charge levied as a result of regulatory requirements.
Revised tariff would be displayed at our branches and on our website (www.hsbc.co.in)
• Please be advised that applicable indirect taxes and any other amount liable to tax under prevailing Indirect Tax Laws
including Service Tax and Cess would be recovered on all our fees and charges
• You are required to note that the Late Payment Charge (LPC) will be applicable if the Equated Monthly Instalment (EMI) is
not paid by the due date. The LPC also includes penal interest and charges for delayed instalments on account of cheque
bounce or dishonoured Standing Instruction (SI)
• For additional information, you can visit any of our branches in India or call our PhoneBanking service
1
.
\
$
s
g
A
m
°a
e
wÎ
H
$
∑
J
•h
G
$
U
I
m
V
oH
o$
{
b
E
A
m
n
H
$
m
oh
_
|g
od
m
E
±‡
X
m
Z
H
$
a
Z
o`
m
G
$
U
I
m
V
oH
$
m
oO
m
a
r
a
I
Z
oH
o$
{
b
E
A
m
n
H
$
m
oh
_
|e
wÎ
H
$
X
oZ
oH
$
s
µO
Í
$
a
V
h
m
oV
r
h
°O
°g
m
{
H
$
g
_
-̀
g
_
`
n
a
A
m
n
H
$
m
oI
m
V
m
I
m
ob
V
og
_
,̀
g
od
m
H
o$
{
b
E
A
Z
wa
m
oY
H
$
a
V
o`
m
{
H
$
g
r
{
Z
X
o©e
H
o$
b
m
J
yH
$
a
V
og
_
`
g
y{
M
V
{
H
$
`
m
J̀
m
W
m
.
h
_
m
a
oJ
•h
G
$
U
C
À
n
m
X
m
|n
a
b
m
J
y‡
^
m
a
m
|A
m
°a
e
wÎ
H
$
m
|H
$
s
E
H
$
g
yM
r
B
g
A
m
d
oX
Z
‡
n
Ã
H
o$
Q
>°[
a
\
$
A
Z
w^
m
J
_
|X
e
m
©B
©J
B
©h
°,
A
m
°a
h
_
m
a
r
d
o~
g
m
B
Q
>(www.hsbc.co.in) n
a
A
⁄
V
Z
H
$
s
J
B
©h
°.h̀
n
ya
o^
m
a
V
_
|h
_
m
a
r
{
H
$
g
r
^
r
e
m
I
m
_
|A
Z
wa
m
oY
H
$
a
Z
on
a
‡
m
·
H
$
s
O
m
g
H
$
V
r
h
°.
∑
A
m
n
g
oB
g
~
m
V
n
a
‹
`
m
Z
X
oZ
oH
o$
{
b
E
A
Z
wa
m
oY
{
H
$
`
m
O
m
V
m
h
°{
H
e
wÎ
H
$
g
ßa
M
Z
m
g
_
-̀
g
_
`
n
a
h
_
m
a
oA
n
Z
o{
d
d
oH
$
n
a
X
ˇa
X
e
u
‡
^
m
d
H
o$
g
m
W
n
[
a
d
V
©Z
H
o$
A
Y
r
Z
h
°,
h
m
b
m
±{
H
$
h
_
A
m
n
H
$
m
oE
og
o{
H
$
g
r
^
r
n
[
a
d
V
©Z
H
o$
{
b
E
1
_
m
h
n
yd
©A
{
J
´_
_
|g
y{
M
V
H
$
a
|J
o.
{
\
$
a
^
r
,
H
•$
ǹ
m
‹
`
m
Z
X
|{
H
$
E
H
$
_
m
h
H
$
s
g
yM
Z
m
„
`
m
O
X
a
m
|_
|n
[
a
d
V
©Z
A
m
°a
{
Z̀
m
_
H
$
A
m
d
Ì
H̀
$
V
m
A
m
|H
o$
n
[
a
U
m
_
Ò
d
Í
$
n
S
>m
b
oJ
E
{
H
$
g
r
^
r
‡
^
m
a
n
a
b
m
J
yZ
h
t
h
m
oJ
r
.
g
ße
m
o{
Y
V
‡
^
m
a
h
_
m
a
r
e
m
I
m
A
m
|A
m
°a
h
_
m
a
r
d
o~
g
m
B
Q
>(www.hsbc.co.in) n
a
‡
X
{
e
©V
{
H
$
`
m
O
m
E
J
m
.
∑
H
•$
ǹ
m
‹
`
m
Z
X
|{
H
$
b
m
J
yA
‡
À
j̀
H
$
a
A
m
°a
g
od
m
H
$
a
d
C
n
H
$
a
g
{
h
V
‡
M
{
b
V
A
‡
À
j̀
H
$
a
H
o$
A
ßV
J
©V
A
›
`
H
$
m
oB
©^
r
a
m
{
e
O
m
oH
$
a
H
o$
{
b
E
C
Œ
m
a
X
m
`
r
h
°,
d
h
h
_
m
a
og
^
r
‡
^
m
a
m
|A
m
°a
e
wÎ
H
$
m
|n
a
d
g
yb
r
O
m
E
J
r
.
∑
A
m
n
H
$
m
o‹
`
m
Z
X
oZ
oH
$
s
µO
Í
$
a
V
h
°{
H
$
`
{
X
g
_
m
{
Z
V
_
m
{
g
H
$
{
H
$
Ò
V
(
B
©E
_
A
m
B
©)
H
$
m
^
wJ
V
m
Z
{
Z̀
V
{
V
{
W
V
H
$
Z
h
t
{
H
$
`
m
O
m
V
m
h
°V
m
o{
d
b
ß{
~
V
^
wJ
V
m
Z
e
wÎ
H
$
(
E
b
n
r
g
r
)
b
m
J
yh
m
oO
m
E
J
m
.
E
b
n
r
g
r
_
|M
oH
$
A
Ò
d
r
H
$
a
U
`
m
A
m
Z
m
X
[
a
V
Ò
W
m
`
r
{
Z
X
}e
m
|(
E
g
A
m
B
©)
H
o$
H
$
m
a
U
{
d
b
ß{
~
V
{
H
$
Ò
V
m
|H
o$
{
b
E
X
ßS
>m
À
_
H
$
„
`
m
O
A
m
°a
e
wÎ
H
$
^
r
e
m
{
_
b
h
°ß.
∑
A
{
V
[
a
∫
$
O
m
Z
H
$
m
a
r
H
o$
{
b
E
,
A
m
n
^
m
a
V
_
|h
_
m
a
r
{
H
$
g
r
^
r
e
m
I
m
_
|O
m
g
H
$
V
oh
¢`
m
h
_
m
a
r
\
$
m
oZ
~
¢q
H
$
J
g
od
m
H
$
m
oH
$
m
∞b
H
$
a
g
H
$
V
oh
¢.
1
.
a
u
A
_
°v
$f
∑
l
p
°d
g
p
°_
M
p
s
p
l
°W
$m
M
p
s
yÑ M
p
°g
p
h
h
p
k
d
e
°s
d
_
°≈
Z
L
$p
f
u
A
p
‡
e
p
d
yS
>
b
k
d
e
p
Ñs
f
°k
°h
p
_
u
r
h
_
Ñs
u
A
_
°k
|Q
_
p
A
p
°A
d
g
u
L
$f
h
p
d
p
V
°$g
p
°_
M
p
s
p
l
°W
$m
k
°h
p
A
p
°A
p
h̀
p
A
\
h
p
s
°_
u
≈
m
h
Z
u
L
$f
h
p
d
p
V
°$s
d
p
f
°A
d
_
°a
u
Q
|L
$h
h
yÑ A
p
h
Ì
e
L
$R
>
°.
A
d
p
f
u
l
p
°d
g
p
°_
‚
p
°X
$º
V
$p
° f̀
g
p
N
ya
u
A
_
°v
$f
p
°A
f
∆
`
”
L
$_
p
V
°$q
f
a
r
h
c
p
N
d
p
ÑA
p
h̀
p
d
p
ÑA
p
Ï
e
p
ÑR
>
°A
_
°s
°A
d
p
f
u
h
°b
k
p
C
V
$(www.hsbc.co.in) f̀
À
X
°$V
$L
$f
p
e
R
>
°.
s
°c
p
f
s
d
p
ÑA
d
p
f
u
L
$p
°C
Z̀
i
p
M
p
d
p
Ñr
h
_
Ñs
u
L
$f
h
pf̀
Z̀
d
m
i
°.
∑
s
d
_
°A
°_
p
¢^
L
$f
h
p
_
u
r
h
_
Ñs
u
R
>
°L
°$V
°$q
f
a
ı
V
≤$º
Q
f
(
v
$f
k
|r
Q
d
p
m
M
yÑ)
k
d
e
p
Ñs
f
°k
Ñc
p
Ï
e
A
k
f
\
u
A
d
p
f
u
A
°L
$d
°h
d
f
∆
f̀
a
°f
a
p
f
_
°A
p
^
u
_
R
>
°.
≈
°L
°$A
p
h
p
L
$p
°C
Z̀
a
°f
a
p
f
r
h
i
°s
d
_
°A
°L
$d
r
l
_
p
°A
N
p
D
≈
Z
L
$f
u
i
yÑ.
A
p
d
R
>
s
p
ÑL
©$ è
p
_
p
¢^
u
g
p
°L
°$Ï
e
p
S
>v
$f
p
°d
p
Ña
°f
a
p
f
p
°A
_
°r
_
e
d
_
A
p
h
Ì
e
L
$s
p
A
p
°_
°g
u
^
°g
p
N
y
L
$p
°C
Z̀
v
$f
p
°r
h
i
°A
°L
$d
r
l
_
p
A
N
p
D
k
|Q
_
p
A
p
h̀
p
d
p
ÑA
p
h
i
°.
k
y^
p
q
f
s
V
°$q
f
a
A
d
p
f
u
i
p
M
p
A
p
°d
p
Ñ‚
v
$r
i
Æs
L
$f
p
i
°A
_
°A
d
p
f
u
h
°b
k
p
C
V
$
(www.hsbc.co.in) f̀
Z̀
d
yL
$p
i
°.
∑
L
©$ è
p
›
e
p
_
d
p
Ñf
p
M
i
p
°L
°$k
°h
p
L
$f
A
_
°k
°k
k
r
l
s
‚
h
s
Æd
p
_
C
_
X
$p
e
f
°º
V
$V
°$º
k
L
$p
e
v
$p
A
p
°l
°W
$m
g
p
N
yC
_
X
$p
e
f
°º
V
$V
°$º
k
u
k
A
_
°L
$f
g
p
N
y\
s
u
L
$p
°C
Z̀
A
fi
e
f
L
$d
A
d
p
f
u
k
h
Æa
u
A
_
°v
$f
p
° D̀
f
h
k
|g
L
$f
p
i
°.
∑
s
d
_
°A
°_
p
¢^
u
g
°h
p
_
uZ̀
r
h
_
Ñs
u
R
>
°L
°$≈
°C
º
h
°V
°$X
$d
Ñ\
g
u
C
fi
ı
V
$p
°g
d
°fi
V
$(
C
A
°d
A
p
C
)
A
p
M
f
s
p
f
u
M
k
y^
u
d
p
ÑQ
|L
$h
u
_
l
]
v
°$h
p
e
s
p
°r
h
g
Ñb
Q
yL
$h
Z
u
v
$f
(
g
°V
$`
°d
°fi
V
$Q
p
S
>
Æ(
A
°g̀
u
k
u
)
g
p
N
y\
i
°.
A
°g̀
u
k
u
d
p
ÑQ
°º
b
p
D
fi
k
\
h
pf̀
A
\
h
p
ı
\
p
e
u
k
|Q
_
p
(
A
°k
A
p
C
)
_
yÑ D
Î
g
ÑO
_
\
h
pf̀
r
h
g
Ñr
b
s
l
‡
s
p
A
p
°
d
p
V
°$g
p
N
yv
Ñ$X
$p
–
d
L
$Ï
e
p
S
>A
_
°v
$f
p
°_
p
°k
d
p
h
°i
L
$f
p
e
p
°_
\
u
.
∑
h
^
p
f
p
_
u
d
p
r
l
s
u
d
p
V
°$c
p
f
s
d
p
ÑA
d
p
f
u
L
$p
°C
Z̀
i
p
M
p
_
u
d
yg
p
L
$p
s
g
C
i
L
$p
°R
>
p
°A
\
h
p
A
d
p
f
u
a
p
°_
b
°[
fi
L
Ñ$N
k
r
h
Æk
f̀
L
$p
°g
L
$f
p
°.
TARIFF SHEET
Home Loan/Smart Home5
Processing Fee (PF)
For delayed instalments on account of cheque bounce or
dishonoured SI
Penal interest on the delayed instalments on account of
cheque bounce or dishonoured SI
°$q
f
a
`
”
L
$
X
a
g
yM
rV
A total of 1% of the loan amount sanctioned or `10,000, whichever
is higher, will be applicable as your PF plus service tax. The fee
will be collected from you in two parts: `5,000 plus service tax is
payable upfront along with the loan application and the balance
PF plus service tax is payable before loan disbursal.
Please note that the PF paid by you is non-refundable.
`250 per instance
Additional 2% over and above the existing interest rate on your
loan account will be charged for the overdue amount.
5
h
m
o_
b
m
oZ
/
Ò
_
m
Q
>©h
m
o_
‡
m
og
oq
g
J
\
$
s
(
n
r
E
\
$
)
Ò
d
r
H
•$
V
G
$
U
a
m
{
e
H
$
m
H
w$
b
1
%
`
m
È
.
1
0
,
0
0
0
O
m
o^
r
A
{
Y
H
$
h
m
o,
g
od
m
H
$
a
g
{
h
V
A
m
n
H
$
s
n
r
E
\
$
H
o$
{
b
E
b
m
J
yh
m
oJ
m
.
A
m
n
g
o\
$
s
g
X
m
o{
h
Ò
g
m
|_
|b
r
O
m
E
J
r
:
`5
0
0
0
A
m
°a
g
od
m
H
$
a
A
{
J
´_
Í
$
n
g
oG
$
U
A
m
d
oX
Z
H
o$
g
m
W
X
o`
h
°A
m
°a
G
$
U
{
d
V
a
U
H
o$
n
h
b
oe
of
n
r
E
\
$
H
o$
g
m
W
h
r
g
od
m
H
$
a
^
r
X
o`
h
°.
H
•$
ǹ
m
‹
m̀
Z
X
|{
H
$
A
m
n
H
o$
¤
m
a
m
^
wJ
V
m
Z
H
$
s
J
B
©n
r
E
\
A
‡
{
V
X
o`
h
°.
M
oH
$
A
Ò
d
r
H
•$
V
h
m
oZ
o`
m
A
Z
m
X
[
a
V
Ò
W
m
`
r
{
Z
X
}e
m
|(
E
g
A
m
B
©)
H
o$
H
$
m
a
U
{
d
b
ß{
~
V
{
H
$
Ò
V
m
|H
o$
{
b
E
`2
5
0
h
a
A
d
g
a
n
a
M
oH
$
A
Ò
d
r
H
•$
V
h
m
oZ
o`
m
A
Z
m
X
[
a
V
Ò
W
m
`
r
{
Z
X
}e
m
|H
o$
H
$
m
a
U
{
d
b
ß{
~
V
{
H
$
Ò
V
m
|n
a
X
ßS
>m
À
_
H
$
„
`
m
O
A
{
V
X
o`
a
m
{
e
H
o$
{
b
E
A
m
n
H
o$
G
$
U
I
m
V
on
a
_
m
°O
yX
m
„
`
m
O
X
a
n
a
A
m
°a
C
g
g
oD
$
n
a
A
{
V
[
a
∫
$
2
%
‡
^
m
a
b
J
m
`
m
O
m
E
J
m
.
5
l
p
°d
g
p
°_
/
ı
d
p
V
Æ$l
p
°d
‚
p
°k
°t
k
N
a
u
(
ù
A
°a
)
g
p
°_
_
u
d
ÑS
|>
f
f
L
$d
_
p
L
y$g
1
%
L
°$` 1
0
,
0
0
0
d
p
Ñ,
S
>
° Z̀
h
^
yl
p
°e
,
s
d
p
f
pù
A
°a
h
—
p
k
°h
p
L
$f
s
f
u
L
°$g
p
N
y\
i
°.
a
u
b
°c
p
N
d
p
Ñh
k
|g
L
$f
p
i
°:
`5
0
0
0
h
—
p
k
°h
p
L
$f
g
p
°_
_
u
A
f
∆
k
p
\
° À
‰
fi
V
$Q
|L
$h
h
p
_
p
f
l
°i
°A
_
°b
p
L
$u
‚
p
°k
°t
k
N
a
u
_
u
f
L
$d
h
—
p
k
°h
p
L
$f
g
p
°_
r
h
s
f
Z
`
|h
£Q
|L
$h
h
p
_
p
Ñf
l
°i
°.
L
©$ è
p
›
e
p
_
d
p
Ñf
p
M
p
°L
°$‚
p
°k
°t
k
N
a
u
Q
|L
$h
p
e
pR̀
>
u
s
°_
p
°_
q
f
a
ÑX
°$b
g
R
>
°.
Q
°L
$b
p
D
fi
k
\
p
e
L
°$A
°k
A
p
C
_
yÑ p̀
g
_
_
l
]
\
p
e
s
p
°r
h
g
Ñr
b
s
l
‡
s
p
d
p
V
°$ v
$f
°L
$h
M
s
°$`2
5
0
Q
°L
$b
p
D
fi
k
L
°$A
°k
A
p
C
_
yÑ p̀
g
_
_
l
]
\
h
pf̀
r
h
g
Ñr
b
s
l
‡
s
pf̀ f
L
$d
g
°Z
u
l
p
°e
s
°d
p
V
°$g
p
°_
_
u
f
L
$d
f̀
g
p
N
yh
s
Æd
p
_
Ï
e
p
S
>v
$f
_
u
D̀
f
v
Ñ$X
$p
–
d
L
$Ï
e
p
S
>
h
^
p
f
p
_
p
2
%
Prepayment charges
For floating rate Home Loan
For Home Loan and Smart Home Loan
n
yd
©^
wJ
V
m
Z
e
wÎ
H
$
J
•h
H
$
O
©(
‚
b
m
oq
Q
>J
X
a
)
A
m
°a
Ò
_
m
Q
>©h
m
o_
(
‚
b
m
oq
Q
>J
X
a
)
H
o$
{
b
E
J
•h
G
$
U
A
m
°a
Ò
_
m
Q
>©h
m
o_
G
$
U
H
o$
{
b
E
`
|h
ÆQ
yL
$h
Z
u
v
$f
p
°
„
g
p
°q
V
Ñ$N
f
°V
$l
p
°d
g
p
°_
d
p
V
°$
l
p
°d
g
p
°_
(
„
g
p
°q
V
Ñ$N
v
$f
)
A
_
°ı
d
p
V
Æ$l
p
°d
(
„
g
p
°q
V
Ñ$N
v
$f
)
d
p
V
°$
NIL
H
w$
N
>Z
h
t
L
$p
°C
`
|h
ÆQ
yL
$h
Z
u
v
$f
_
l
]
6
For fixed rate Home Loan (Applicable if fixed rate is offered)
Upto 25% of the loan amount sanctioned in every financial year
For amount more than 25% of the loan amount sanctioned
in every financial year
NIL
3% of prepayment amount
6
Ò
W
m
B
©X
a
n
a
J
•h
G
$
U
H
o$
{
b
E
(
Ò
W
m
B
©X
a
‡
Ò
V
m
{
d
V
h
m
oZ
on
a
b
m
J
y)
h
a
{
d
Œ
m
r
`
d
f
©_
|Ò
d
r
H
•$
V
H
$
O
©a
m
{
e
H
o$
2
5
%
V
H
$
h
a
{
d
Œ
m
r
`
d
f
©_
|Ò
d
r
H
•$
V
H
$
O
©H
o$
2
5
%
g
oD
$
n
a
H
$
s
a
m
{
e
H
o$
{
b
E
H
w$
N
>Z
h
t
n
yd
©^
wJ
V
m
Z
a
m
{
e
H
$
m
3
%
q
a
º
ı
X
$f
°V
$l
p
°d
g
p
°_
d
p
V
°$6 (
≈
°q
a
º
ı
X
$f
°V
$A
p
°a
L
$f
p
e
s
p
°g
p
N
y)
i
|fi
e
v
$f
_
p
Z
p
L
$u
e
h
j
Æd
p
Ñd
ÑS
|>
f
L
$f
°g
u
g
p
°_
_
u
f
L
$d
_
p
2
5
%
k
y^
u
v
$f
°L
$_
p
Z
p
L
$u
e
h
j
Æd
p
Ñd
ÑS
|>
f
g
p
°_
_
u
f
L
$d
_
p
2
5
%
\
u
h
^
yf
L
$d
d
p
V
°$
`
|h
ÆQ
|L
$h
°g
u
f
L
$d
_
p
3
%
Note:
1) The interest rate on your floating rate loan, post 1 July 2010, is linked to the Bank's Base Rate. Any revision in the
Base Rate would also have an impact on your interest rate.
2) For processing prepayment requests, you are required to send, a written instruction communicating your desire to prepay
and intent of reducing either of the loan tenure or EMI. In the absence of clear instruction, we would by default reduce the
loan tenure. In case excess funds are received towards the loan account without any written instructions to prepay, for
Smart Home Loans, the amount will be credited to the Smart Home account which will impact the available balance in the
account. However for Home Loan, such excess amounts will be apportioned towards the principal amount of the loan.
5
Fixed rate option is not available for Smart Home.
6
Prepayment is permitted after a minimum of 6 months from the date of loan disbursal. The prepayment charges are applicable
only during the fixed rate tenure. If you switch your loan to floating rate, prepayment charges will not be applicable.
‹
m̀
Z
X
|:
1
.1
O
wb
m
B
©2
0
1
0
H
o$
~
m
X
A
m
n
H
o$
A
Ò
W
m
B
©X
a
G
$
U
n
a
„
`
m
O
X
a
~
¢H
$
H
$
s
A
m
Y
m
a
X
a
g
og
ß~
’
h
°.
A
m
Y
m
a
X
a
_
|{
H
$
g
r
^
r
g
ße
m
oY
Z
H
$
m
‡
^
m
d
A
m
n
H
$
s
$
„
`
m
O
X
a
n
a
^
r
n
ãS
>oJ
m
.
2
.n
yd
©^
wJ
V
m
Z
A
Z
wa
m
oY
m
|H
o$
‡
g
ßÒ
H
$
a
U
H
o$
{
b
E
,
A
m
n
H
$
m
oE
H
$
{
b
{
I
V
{
Z
X
}e
^
oO
Z
oH
$
s
A
m
d
Ì
H̀
$
V
m
h
°O
m
oC
Z
H
$
s
n
yd
©^
wJ
V
m
Z
H
$
a
Z
oH
$
s
B
¿
N
>m
A
m
°a
{
H
$
g
r
^
r
G
$
U
H
$
s
A
d
{
Y
`
m
B
©E
_
A
m
B
©H
$
m
oH
$
_
H
$
a
Z
oH
o$
A
m
è
H
$
m
og
y{
M
V
H
$
a
a
h
m
h
m
o.
Ò
n
Ó
Q
>{
Z
X
}e
H
$
s
A
Z
wn
p
Ò
W
{
V
_
|,
h
_
n
yd
©{
Z
Y
m
©[
a
V
Í
$
n
g
oG
$
U
H
$
s
A
d
{
Y
H
$
_
H
$
a
X
|J
o.
Ò
_
m
Q
>©h
m
o_
b
m
oZ
H
o$
{
b
E
n
yd
©^
wJ
V
m
Z
H
$
a
Z
oH
o$
{
H
$
g
r
{
b
{
I
V
{
Z
X
}e
m
|H
o$
{
~
Z
m
,
G
$
U
I
m
V
oH
o$
{
b
E
A
{
V
[
a
∫
$
Y
Z
a
m
{
e
‡
m
·
h
m
oZ
oH
$
s
p
Ò
W
{
V
_
|a
m
{
e
Ò
_
m
Q
>©h
m
o_
A
H
$
m
C
ßQ
>_
|O
_
m
H
$
a
X
r
O
m
E
J
r
O
m
o{
H
$
I
m
V
o_
|C
n
b
„
Y
a
m
{
e
H
$
m
o‡
^
m
{
d
V
H
$
a
oJ
r
.
h
m
b
m
±{
H
$
J
•h
G
$
U
H
o$
{
b
E
,
B
g
V
a
h
H
$
s
A
{
V
[
a
∫
$
a
m
{
e
G
$
U
H
$
s
_
yb
a
m
{
e
H
o$
{
b
E
{
d
^
m
{
O
V
H
$
a
b
r
O
m
E
J
r
.
5
{
Z
Y
m
©[
a
V
X
a
H
$
m
{
d
H
$
Î
n
Ò
_
m
Q
>©h
m
o_
H
o$
{
b
E
C
n
b
„
Y
Z
h
t
h
°.
6
G
$
U
g
ß{
d
V
a
U
H
$
s
{
V
{
W
g
oE
H
$
›
`
yZ
V
_
6
_
m
h
H
o$
~
m
X
n
yd
©^
wJ
V
m
Z
H
$
s
A
Z
w_
{
V
X
r
O
m
V
r
h
°.
n
yd
©^
wJ
V
m
Z
‡
^
m
a
{
g
µ\
©$
Ò
W
m
B
©X
a
A
d
{
Y
H
o$
X
m
°a
m
Z
b
m
J
yh
m
oV
oh
¢.
`
{
X
A
m
n
A
n
Z
oG
$
U
H
$
m
oA
Ò
W
m
B
©X
a
n
a
~
X
b
V
oh
¢,
V
m
on
wd
©^
wJ
V
m
Z
‡
^
m
a
b
m
J
yZ
h
t
h
m
|J
o.
_
p
¢^
:
1
)
s
d
p
f
u
„
g
p
°q
V
Ñ$N
v
$f
_
u
g
p
°_
f̀
Ï
e
p
S
>v
$f
1
S
y>
g
p
C
,
2
0
1
0
Ú̀
p
s
b
°fi
L
$_
p
b
°T
v
$f
k
p
\
°t
g
º
X
$R
>
°.
b
°T
v
$f
d
p
ÑL
$p
°C
Z̀
a
°f
a
p
f
s
d
p
f
p
Ï
e
p
S
>v
$f
f̀
‚
c
p
h
p̀
X
$i
°.
2
)
`
|h
ÆQ
yL
$h
Z
u
r
h
_
Ñs
u
_
p
‚
p
°k
°t
k
N
d
p
V
°$N
∞p
l
L
°$A
°Q
A
°k
b
u
k
u
_
°g
°r
M
s
k
|Q
_
p
d
p
°L
$g
u
_
°g
p
°_
d
yv
$s
L
°$C
A
°d
A
p
C
A
p
°R
>
u
L
$f
h
p
_
p
l
°s
yk
p
\
°`
|h
ÆQ
yL
$h
Z
u
_
p
l
°s
y_
u
≈
Z
L
$f
h
p
_
u
f
l
°i
°.
≈
°g
p
°_
_
u
d
yv
$s
L
°$C
A
°d
A
p
C
O
V
$p
X
$h
p
_
u
L
$p
°C
ı
Ù̀
$k
|Q
_
p
_
l
]
À
p
e
s
p
°A
d
°q
X
$a
p
°Î
V
$‹
p
f
p
`
|h
ÆQ
yL
$h
Z
u
_
u
‚
p
‡
s
f
L
$d
_
°
A
p
^
p
f
°g
p
°_
_
u
d
yv
$s
A
p
°R
>
u
L
$f
u
i
yÑ.
≈
°ı
d
p
V
Æ$l
p
°d
d
p
V
°$`
|h
ÆQ
yL
$h
Z
u
L
$f
_
p
f
N
∞p
l
L
$ p̀
k
°\
u
L
$p
°C
Z̀
g
°r
M
s
k
|Q
_
p
A
p
°_
d
m
h
pf̀
g
p
°_
_
p
M
p
s
p
k
p
d
°
‚
p
‡
s
h
^
yc
ÑX
$p
°m
/
f
L
$d
_
p
q
L
$ı
k
p
d
p
Ñs
°f
L
$d
ı
d
p
V
Æ$l
p
°d
M
p
s
p
d
p
ÑS
>
d
p
L
$f
p
i
°A
_
°M
p
s
p
d
p
Ñ D̀
g
Â
^
b
p
L
$u
_
°s
°‚
c
p
r
h
s
L
$f
i
°.
≈
°L
°$l
p
°d
g
p
°_
d
p
V
°$A
p
h
u
h
^
p
f
p
_
u
f
L
$d
g
p
°_
_
u
d
|m
f
L
$d
k
p
d
°a
p
m
h
Z
u
L
$f
p
i
°.
5
q
a
º
ı
X
$f
°V
$r
h
L
$Î
`
ı
d
p
V
Æ$l
p
°d
d
p
V
°$_
l
]
d
m
°.
6
`
|h
ÆQ
yL
$h
Z
u
A
°g
p
°_
r
h
s
f
Z
_
u
s
p
f
u
M
\
u
A
p
°R
>
p
d
p
ÑA
p
°R
>
p
6
d
r
l
_
pR̀
>
u
d
ÑS
|>
f
L
$f
p
i
°.
`
|h
ÆQ
yL
$h
Z
u
v
$f
p
° D̀
f
D
Î
g
°M
L
$e
p
Æd
yS
>
b
g
p
°_
_
u
q
a
º
ı
X
$f
°V
$_
u
d
yv
$s
v
$f
r
d
e
p
_
g
p
N
y\
i
°.
≈
°s
d
°s
d
p
f
u
g
p
°_
„
g
p
°q
V
Ñ$N
v
$f
d
p
Ñ[
ı
h
Q
L
$f
u
l
p
°e
s
p
°`
|h
ÆQ
yL
$h
Z
u
v
$f
p
°g
p
N
y_
l
]
\
p
e
.
Switching charges
From Home Loan to Smart Home and vice versa
p
Ò
d
q
M
J
M
m
O
}g
J
•h
H
$
O
©g
oÒ
_
m
Q
>©h
m
o_
`
m
B
g
H
o$
{
d
n
a
r
V
[
ı
h
t
Q
N
v
$f
p
°
l
p
°d
g
p
°_
\
u
ı
d
p
V
Æ$g
p
°_
A
_
°s
°\
u
r
h̀
f
u
s
0.5% of the outstanding loan amount
~
H
$
m
`
m
G
$
U
a
m
{
e
H
$
m
0
.
5
%
b
p
L
$u
g
p
°_
_
u
f
L
$d
_
p
0
.
5
%
From floating rate to fixed rate (Applicable if Fixed Rate is offered)
NIL
If the switch is done within one month prior to the loan
anniversary7 every year
Any other time during the year
0.5% of the outstanding loan amount
7
Loan anniversary is the day and month on which the loan was disbursed. Example: If your loan was disbursed on
20 May 2012. Then every year 20 May will be the loan anniversary.
Ò
W
m
B
©X
a
g
oA
Ò
W
m
B
©X
a
_
|~
X
b
Z
m
(
V
^
r
b
m
J
y`
{
X
Ò
W
m
B
©X
a
‡
Ò
V
m
{
d
V
H
$
s
O
m
V
r
h
°)
7
y›
`
`
{
X
H
$
O
©H
$
m
oh
a
d
f
©b
m
oZ
E
{
Z
d
g
©a
r
H
o$
n
h
b
oE
H
$
_
h
r
Z
oH
o$
^
r
V
a
p
Ò
d
M
{
H
$
`
m
O
m
E e
d
f
©H
o$
{
H
$
g
r
A
›
`
g
_
`
~
H
$
m
`
m
G
$
U
a
m
{
e
H
$
m
0
.
5
%
b
m
oZ
E
{
Z
d
g
©a
r
d
h
{
X
Z
A
m
°a
_
h
r
Z
m
h
°O
~
H
$
O
©H
$
m
g
ß{
d
V
a
U
{
H
$
`
m
J̀
m
W
m
.
`
{
X
A
m
n
H
$
oH
$
O
©H
$
m
g
ß{
d
V
a
U
2
0
_
B
©2
0
1
2
H
$
m
o{
H
$
`
m
J̀
m
W
m
V
m
ob
m
oZ
E
{
Z
d
g
©a
r
h
a
d
f
©2
0
_
B
©H
$
m
oh
m
oJ
r
.
7
q
a
º
ı
X
$f
°V
$l
p
°d
g
p
°_
d
p
V
°$6 (≈
°q
a
º
ı
X
$f
°V
$A
p
°a
L
$f
p
e
s
p
°g
p
N
y)
7
i
|fi
e
≈
°[
ı
h
Q
v
$f
h
j
£g
p
°_
_
u
r
s
r
\
_
p
A
°L
$d
r
l
_
p
`
|h
£L
$f
p
e
s
p
°
h
j
Æv
$f
r
d
e
p
_
L
$p
°C
Z̀
A
fi
e
k
d
e
°
b
p
L
$u
g
p
°_
_
u
f
L
$d
_
p
0
.
5
%
7
g
p
°_
_
u
r
s
r
\
s
°q
v
$h
k
A
_
°d
r
l
_
p
°R
>
°ƒ
e
p
f
°g
p
°_
_
yÑ r
h
s
f
Z
L
$f
p
e
yÑ l
p
°e
.
v
$p
M
g
p
°:
≈
°g
p
°_
2
0
d
°,
2
0
1
2
_
p
r
h
s
f
Z
L
$f
p
C
l
p
°e
s
p
°v
$f
h
j
£2
0
d
°
g
p
°_
_
u
r
s
r
\
N
Z
p
i
°.
Switching from fixed rate to floating rate (Applicable if Fixed Rate is offered)
Switching from ?xed rate to ?oating rate is allowed only after completion of ?xed term.
[
\
$
ä Ò
S
>a
oQ
>g
o‚
b
m
oq
Q
>J
a
oQ
>~
X
b
Z
oH
$
s
A
Z
w_
{
V
(
V
^
r
b
m
J
y`
{
X
Ò
W
m
B
©X
a
‡
Ò
V
m
{
d
V
H
$
s
O
m
V
r
h
°)
[
\
$
ä Ò
S
>a
oQ
>g
o‚
b
m
oq
Q
>J
a
oQ
>~
X
b
Z
oH
$
s
A
Z
w_
{
V
{
\
$
ä Ò
S
>Q
>_
©n
ya
r
h
m
oZ
oH
o$
~
m
X
h
r
h
°.
q
a
º
ı
X
$f
°V
$\
u
„
g
p
°q
V
Ñ$N
f
°V
$d
p
Ñ[
ı
h
Q
L
$f
h
yÑ (
≈
°q
a
º
ı
X
$f
°V
$A
p
°a
f
L
$f
p
s
p
°l
p
°e
s
p
°g
p
N
y)
r
a
º
ı
X
$v
$f
\
u
„
g
p
°q
V
Ñ$N
v
$f
d
p
Ñ[
ı
h
Q
L
$f
h
yÑ s
°q
a
º
ı
X
$d
yv
$s
`
|Z
Æ\
e
pR̀
>
u
S
>d
ÑS
|>
f
L
$f
p
i
°.
LAP/SmartLAP
Processing Fee (PF)
For delayed instalment on account of cheque bounce or
dishonoured SI
Penal interest on the delayed instalments on account of
cheque bounce or dishonoured SI
Annual fee (only applicable for SmartLAP)
E
b
E
n
r
/
Ò
_
m
Q
>©E
b
E
n
r
‡
m
og
oq
g
J
\
$
s
M
oH
$
A
Ò
d
r
H
•$
V
h
m
oZ
o`
m
A
Z
m
X
[
a
V
Ò
W
m
`
r
{
Z
X
}e
m
|(
E
g
A
m
B
©)
H
o$
H
$
m
a
U
{
d
b
ß{
~
V
{
H
$
Ò
V
m
|H
o$
{
b
E
M
oH
$
A
Ò
d
r
H
•$
V
h
m
oZ
o`
m
A
Z
m
X
[
a
V
Ò
W
m
`
r
{
Z
X
}e
m
|H
o$
H
$
m
a
U
{
d
b
ß{
~
V
{
H
$
Ò
V
m
|n
a
X
ßS
>m
À
_
H
$
„
`
m
O
d
m
{
f
©H
$
e
wÎ
H
$
(
{
g
\
©$
Ò
_
m
Q
>©E
b
E
n
r
n
a
b
m
J
y)
A
°g
A
° ù
/
ı
d
p
V
Æ$A
°g
A
° ù
‚
p
°k
°t
k
N
a
u
A total of 1% of the loan amount sanctioned or `10,000, whichever
is higher, will be applicable as your PF plus service tax. The fee
will be collected from you in two parts: `5,000 plus service tax is
payable upfront along with the loan application and the balance PF
plus service tax is payable before loan disbursal. Please note that
the PF paid by you is non-refundable.
`250 per instance
Additional 2% over and above the existing interest rate on your
loan account will be charged for the overdue amount.
1% of limit outstanding8, payable on each loan anniversary7 till the
loan is completely repaid.
Ò
d
r
H
•$
V
G
$
U
a
m
{
e
H
$
m
H
w$
b
1
%
`
m
È
.
1
0
,
0
0
0
O
m
o^
r
A
{
Y
H
$
h
m
o,
g
od
m
H
$
a
g
{
h
V
A
m
n
H
$
s
n
r
E
\
$
H
o$
{
b
E
b
m
J
yh
m
oJ
m
.
A
m
n
g
oe
wÎ
H
$
X
m
o{
h
Ò
g
m
|_
|{
b̀
m
O
m
E
J
m
:
`5
0
0
0
A
m
°a
g
od
m
H
$
a
A
{
J
´_
Í
$
n
g
o
G
$
U
A
m
d
oX
Z
H
o$
g
m
W
X
o`
h
°A
m
°a
G
$
U
{
d
V
a
U
H
o$
n
h
b
oe
of
n
r
E
\
$
H
o$
A
{
V
[
a
∫
$
g
od
m
H
$
a
^
r
X
o`
h
°.
H
•$
ǹ
m
‹
`
m
Z
X
|{
H
$
A
m
n
H
o$
¤
m
a
m
^
wJ
V
m
Z
H
$
s
J
B
©n
r
E
\
A
‡
{
V
X
o`
h
°.
`
2
5
0
h
a
A
d
g
a
n
a
A
{
V
X
o`
a
m
{
e
H
o$
{
b
E
A
m
n
H
o$
G
$
U
I
m
V
on
a
_
m
°O
yX
m
„
`
m
O
X
a
n
a
A
m
°a
C
g
g
o
D
$
n
a
A
{
V
[
a
∫
$
2
%
‡
^
m
a
b
J
m
`
m
O
m
E
J
m
.
8
{
b
{
_
Q
>A
m
C
Q
>Ò
Q
>¢q
S
>J
H
$
m
1
%
,
O
m
oH
$
O
©H
o$
n
ya
o^
wJ
V
m
Z
V
H
$
H
$
O
©H
$
s
h
a
d
m
{
f
©H
$
s
(
E
{
Z
d
g
©a
r
)
n
a
X
o`
g
p
°_
_
u
d
ÑS
|>
f
f
L
$d
_
p
L
y$g
1
%
L
°$Í
$.
1
0
,
0
0
0
d
p
Ñ,
S
>
° Z̀
h
^
yl
p
°e
,
s
d
p
f
pù
A
°a
h
—
p
k
°h
p
L
$f
s
f
u
L
°$g
p
N
y\
i
°.
a
u
b
°c
p
N
d
p
Ñh
k
|g
L
$f
p
i
°:
`5
0
0
0
h
—
p
k
°h
p
L
$f
g
p
°_
_
u
A
f
∆
k
p
\
° À
‰
fi
V
$Q
|L
$h
h
p
_
p
f
l
°i
°A
_
°b
p
L
$u
‚
p
°k
°t
k
N
a
u
_
u
f
L
$d
h
—
p
k
°h
p
L
$f
g
p
°_
r
h
s
f
Z
`
|h
£Q
|L
$h
h
p
_
p
Ñf
l
°i
°.
L
©$ è
p
›
e
p
_
d
p
Ñf
p
M
p
°L
°$‚
p
°k
°t
k
N
a
u
Q
|L
$h
p
e
pR̀
>
u
s
°_
p
°_
q
f
a
ÑX
°$b
g
R
>
°.
v
$f
°L
$h
M
s
° `2
5
0
Q
°L
$b
p
D
fi
k
\
p
e
L
°$A
°k
A
p
C
_
yÑ p̀
g
_
_
l
]
\
p
e
s
p
°r
h
g
Ñr
b
s
l
‡
s
p
d
p
V
°$.
Q
°L
$b
p
D
fi
k
L
°$A
°k
A
p
C
_
yÑ p̀
g
_
_
l
]
\
h
pf̀
r
h
g
Ñr
b
s
l
‡
s
pf̀ f
L
$d
g
°Z
u
l
p
°e
s
°d
p
V
°$g
p
°_
_
u
f
L
$d
f̀
g
p
N
yh
s
Æd
p
_
Ï
e
p
S
>v
$f
_
u
D̀
f
2
%
v
Ñ$X
$p
–
d
L
$Ï
e
p
S
8
k
u
r
d
s
b
p
L
$u
_
p
1
%
v
$f
g
p
°_
_
u
r
s
r
\
A
°g
p
°_
k
Ñ`
|Z
ÆQ
|L
$h
p
e
_
l
]
h
p
r
j
ÆL
$a
u
(
a
º
s
ı
d
p
V
Æ$A
°g
A
° ù
d
p
V
°$g
p
N
y)
–
e
p
Ñk
y^
u
Q
|L
$h
h
p
p̀
”
f
l
°i
°
Prepayment charges
For floating rate LAP and Smart LAP
For LAP and Smart LAP
NIL
n
yd
©^
wJ
V
m
Z
e
wÎ
H
$
‚
b
m
oq
Q
>J
a
oQ
>E
b
E
n
r
A
m
°a
Ò
_
m
Q
>©E
b
E
n
r
H
o$
{
b
E
E
b
E
n
r
A
m
°a
Ò
_
m
Q
>©E
b
E
n
r
H
o$
{
b
E
H
w$
N
>Z
h
t
`
|h
ÆQ
yL
$h
Z
u
v
$f
p
°
„
g
p
°q
V
Ñ$N
f
°V
$A
°g
A
° ù
A
_
°ı
d
p
V
Æ$A
°g
A
° ù
d
p
V
°$
A
°g
A
° ù
A
_
°ı
d
p
V
Æ$A
°g
A
° ù
d
p
V
°$
i
|fi
e
Prepayment charges (LAP) (Applicable if Fixed Rate is offered)
Upto 25% of the outstanding loan amount once in every
NIL
financial year
For amount in excess of 25% of the outstanding loan
4% of prepayment amount
amount or more than one prepayment
‡
r
n
o_
|Q
>e
wÎ
H
$
(
E
b
E
n
r
)
(
Ò
W
m
B
©X
a
‡
Ò
V
m
{
d
V
h
m
oZ
on
a
b
m
J
y)
A
m
C
Q
>Ò
Q
>¢q
S
>J
H
$
m
2
5
%
V
H
$
,
h
a
{
d
Œ
m
r
`
d
f
©_
|E
H
$
~
m
a
H
w$
N
>Z
h
t
~
H
$
m
`
m
G
$
U
a
m
{
e
H
o$
2
5
%
g
oA
{
Y
H
$
h
m
oZ
o`
m
E
H
$
g
oA
{
Y
H
$
n
yd
©^
wJ
V
m
Z
H
o$
{
b
E
‡
r
n
oS
>a
m
{
e
H
$
m
4
%
`
|h
ÆQ
yL
$h
Z
u
v
$f
p
°(
A
°g
A
° ù
)
(
≈
°q
a
º
ı
X
$f
°V
$A
p
°a
f
L
$f
p
s
p
°l
p
°e
s
p
°g
p
N
y)
v
$f
_
p
Z
p
L
$u
e
h
j
Æd
p
ÑA
°L
$h
p
f
b
p
L
$u
g
p
°_
_
u
f
L
$d
_
p
2
5
%
k
y^
u
i
|fi
e
b
p
L
$u
g
p
°_
_
u
f
L
$d
L
°$`
|h
ÆQ
yL
$h
Z
u
_
p
2
5
%
\
u
h
^
yf
L
$d
d
p
V
°$A
°L
$\
u
h
^
y `
|h
ÆQ
|L
$h
°g
u
f
L
$d
_
p
4
%
h
p
f
d
p
V
°$
Note:
1) The interest rate on your floating rate loan, post 1 July 2010, is linked to the Bank's Base Rate. Any revision in the
Base Rate would also have an impact on your loan interest rate.
2) Prepayment is permitted after a minimum of 6 months following the loan disbursal. For processing prepayment requests,
you are required to send, a written instruction communicating your desire to prepay and intent of wanting to reduce either
of the loan tenure or EMI. In absence of a clear instruction, we will by default reduce the loan tenure. In case excess funds
are received towards the loan account without any written instructions from the customer, for SmartLAP, the amount will
be credited to the SmartLAP account which will impact the available balance in the account. However for LAP, such excess
amounts will be apportioned towards the principal amount of the loan.
3) We do not offer fixed rate option for SmartLAP.
4) Switching is not permitted from LAP to SmartLAP and vice versa.
7
Loan anniversary is the day and month on which the loan was disbursed. Example: If your loan was disbursed on
20 May 2012. Then every year 20 May will be the loan anniversary.
8
Limit outstanding means the principal portion (limit defined on system) that is outstanding as on that day. This does not include
any interest or principal portion of the ledger balance which is overdue. The limit is reduced on a monthly basis in line with the
expected principal payment.
{
Q
>fl
n
U
r
:
1
)
1
O
wb
m
B
©2
0
1
0
H
o$
~
m
X
A
m
n
H
o$
A
p
Ò
W
a
X
a
G
$
U
(
‚
b
m
oq
Q
>J
a
oQ
>b
m
oZ
)
n
a
„
`
m
O
X
a
~
¢H
$
H
$
s
A
m
Y
m
a
X
a
g
og
ß~
’
H
$
s
J
B
©h
°.
A
m
Y
m
a
X
a
_
|{
H
$
g
r
^
r
g
ße
m
oY
Z
H
$
m
‡
^
m
d
A
m
n
H
$
s
$
G
$
U
„
`
m
O
X
a
n
a
^
r
n
ãS
>oJ
m
.
2
.G
$
U
g
ß{
d
V
a
U
H
o$
~
m
X
›
`
yZ
V
_
6
_
m
h
n
Ì
M
m
V
n
yd
©^
wJ
V
m
Z
H
$
s
A
Z
w_
{
V
X
r
O
m
V
r
h
°.
n
yd
©^
wJ
V
m
Z
A
Z
wa
m
oY
m
|H
o$
‡
g
ßÒ
H
$
a
U
H
o$
{
b
E
,
J
´m
h
H
$
m
|H
$
m
oE
H
$
{
b
{
I
V
{
Z
X
}e
^
oO
Z
oH
$
s
A
m
d
Ì
H̀
$
V
m
h
°O
m
o
C
Z
H
$
s
n
yd
©^
wJ
V
m
Z
H
$
a
Z
oH
$
s
B
¿
N
>m
A
m
°a
{
H
$
g
r
^
r
G
$
U
H
$
s
A
d
{
Y
`
m
B
©E
_
A
m
B
©H
$
m
oH
$
_
H
$
a
Z
oH
o$
B
a
m
X
oH
$
m
og
y{
M
V
H
$
a
a
h
m
h
m
o.
Ò
n
Ó
Q
>{
Z
X
}e
H
$
s
A
Z
wn
p
Ò
W
{
V
_
|,
h
_
n
yd
©{
Z
Y
m
©[
a
V
Í
$
n
g
oG
$
U
H
$
s
A
d
{
Y
H
$
_
H
$
a
X
|J
o.
J
´m
h
H
$
¤
m
a
m
Ò
_
m
Q
>©E
b
E
n
r
H
o$
{
b
E
,
n
yd
©^
wJ
V
m
Z
H
$
a
Z
oH
o$
{
H
$
g
r
{
b
{
I
V
{
Z
X
}e
m
|H
o$
{
~
Z
m
,
G
$
U
I
m
V
oH
o$
{
b
E
A
{
V
[
a
∫
$
Y
Z
a
m
{
e
‡
m
·
h
m
oZ
oH
$
s
p
Ò
W
{
V
_
|a
m
{
e
Ò
_
m
Q
>©
E
b
E
n
r
I
m
V
o_
|O
_
m
H
$
a
X
r
O
m
E
J
r
O
m
o{
H
$
I
m
V
o_
|C
n
b
„
Y
a
m
{
e
H
$
m
o‡
^
m
{
d
V
H
$
a
oJ
r
.
h
m
b
m
±{
H
$
g
ßn
{
Œ
m
n
a
G
$
U
(
E
b
E
n
r
)
H
o$
{
b
E
,
B
g
V
a
h
H
$
s
A
{
V
[
a
∫
$
a
m
{
e
G
$
U
H
$
s
_
yb
a
m
{
e
H
o$
{
b
E
{
d
^
m
{
O
V
H
$
a
b
r
O
m
E
J
r
.
3
.Ò
_
m
Q
>©E
b
E
n
r
H
o$
{
b
E
h
_
Ò
W
m
B
©X
a
H
$
m
{
d
H
$
Î
n
‡
Ò
V
m
{
d
V
Z
h
t
H
$
a
V
oh
¢.
4
)
E
b
E
n
r
g
oÒ
_
m
Q
>©E
b
E
n
r
n
a
A
m
°a
B
g
H
o$
{
d
n
a
r
V
~
X
b
Z
oH
$
s
A
Z
w_
{
V
Z
h
t
h
°.
7
b
m
oZ
E
{
Z
d
g
©a
r
d
h
{
X
Z
A
m
°a
_
h
r
Z
m
h
°O
~
H
$
O
©H
$
m
g
ß{
d
V
a
U
{
H
$
`
m
J̀
m
W
m
.
C
X
m
h
a
U
:
`
{
X
A
m
n
H
$
oH
$
O
©H
$
m
g
ß{
d
V
a
U
2
0
_
B
©,
2
0
1
2
H
$
m
o{
H
$
`
m
J̀
m
W
m
V
m
ob
m
oZ
E
{
Z
d
g
©a
r
h
a
d
f
©2
0
_
B
©
H
$
m
oh
m
oJ
r
.
8
{
b
{
_
Q
>A
m
C
Q
>Ò
Q
>¢q
S
>J
H
$
m
A
W
©h
°d
h
_
yb
^
m
J
(
{
b
{
_
Q
>H
$
s
n
[
a
^
m
f
m
{
g
Ò
Q
>_
n
a
X
r
J
B
©h
°)
O
m
oC
g
{
X
Z
~
H
$
m
`
m
h
m
o.
B
g
_
|H
$
m
oB
©„
`
m
O
`
m
b
oO
a
~
°b
|g
H
m
‡
_
wI
{
h
Ò
g
m
O
m
oA
{
V
X
o`
h
°e
m
{
_
b
Z
h
t
h
°.
g
r
_
m
A
m
e
m
V
r
V
_
yb
^
wJ
V
m
Z
H
o$
g
_
m
Z
_
m
{
g
H
$
A
m
Y
m
a
n
a
K
Q
>m
X
r
J
B
©h
°.
_
p
¢^
:
1
)
s
d
p
f
u
„
g
p
°q
V
Ñ$N
v
$f
_
u
g
p
°_
f̀
Ï
e
p
S
>v
$f
1
S
y>
g
p
C
,
2
0
1
0
Ú̀
p
s
b
°fi
L
$_
p
b
°T
v
$f
k
p
\
°t
g
º
X
$R
>
°.
b
°T
v
$f
d
p
ÑL
$p
°C
Z̀
a
°f
a
p
f
s
d
p
f
p
Ï
e
p
S
>v
$f
f̀
‚
c
p
h
p̀
X
$i
°.
2
)
`
|h
ÆQ
yL
$h
Z
u
g
p
°_
r
h
s
f
Z
_
p
g
O
ys
d
6
d
r
l
_
pR̀
>
u
d
ÑS
|>
f
L
$f
p
i
°.
`
|h
ÆQ
yL
$h
Z
u
r
h
_
Ñs
u
‚
p
°k
°t
k
N
d
p
V
°$N
∞p
l
L
°$g
°r
M
s
k
|Q
_
p
d
p
°L
$g
u
_
°g
p
°_
d
yv
$s
L
°$
C
A
°d
A
p
C
A
p
°R
>
u
L
$f
h
p
_
p
l
°s
yk
p
\
°`
|h
ÆQ
yL
$h
Z
u
_
p
l
°s
y_
u
≈
Z
L
$f
h
p
_
u
f
l
°i
°.
≈
°g
p
°_
_
u
d
yv
$s
L
°$C
A
°d
A
p
C
O
V
$p
X
$h
p
_
u
L
$p
°C
ı
Ù̀
$k
|Q
_
p
_
l
]
À
p
e
s
p
°A
d
°q
X
$a
p
°Î
V
$‹
p
f
p
`
|h
ÆQ
yL
$h
Z
u
_
u
‚
p
‡
s
f
L
$d
_
°A
p
^
p
f
°g
p
°_
_
u
d
yv
$s
A
p
°R
>
u
L
$f
u
i
yÑ.
≈
°ı
d
p
V
Æ$A
°g
A
° ù
d
p
V
°$`
|h
ÆQ
yL
$h
Z
u
L
$f
_
p
f
N
∞p
l
L
$ p̀
k
°\
u
L
$p
°C
Z̀
g
°r
M
s
k
|Q
_
p
A
p
°_
d
m
h
pf̀
ı
d
p
V
Æ$A
°g
A
° ù
g
p
°_
_
p
M
p
s
p
k
p
d
°‚
p
‡
s
h
^
yc
ÑX
$p
°m
_
p
q
L
$ı
k
p
d
p
Ñs
°f
L
$d
ı
d
p
V
Æ$A
°g
A
° ù
M
p
s
p
d
p
ÑS
>
d
p
L
$f
p
i
°A
_
°
M
p
s
p
d
p
Ñ D̀
g
Â
^
b
p
L
$u
_
°s
°‚
c
p
r
h
s
L
$f
i
°.
≈
°L
°$A
°g
A
° ù
d
p
V
°$A
p
h
u
h
^
p
f
p
_
u
f
L
$d
g
p
°_
_
u
d
|m
f
L
$d
k
p
d
°a
p
m
h
Z
u
L
$f
p
i
°.
3
)
A
d
°ı
d
p
V
Æ$A
°g
A
° ù
d
p
V
°$q
a
º
ı
X
$f
°V
$r
h
º
Î
`
A
p
°a
f
L
$f
s
p
_
\
u
.
4
)
A
°g
A
° ù
\
u
ı
d
p
V
Æ$A
°g
A
° ù
A
_
°s
°\
u
r
h̀
f
u
s
[
ı
h
t
Q
N
d
ÑS
|>
f
_
l
]
L
$f
p
e
7
g
p
°_
_
u
r
s
r
\
A
°g
p
°_
r
h
s
f
Z
L
$f
p
e
s
°q
v
$h
k
A
_
°d
r
l
_
p
°R
>
°.
v
$p
M
g
p
°:
≈
°s
d
p
f
u
g
p
°_
2
0
d
°,
2
0
1
2
_
p
f
p
°S
>r
h
s
f
Z
L
$f
p
e
s
p
°v
$f
h
j
£2
0
d
°g
p
°_
_
u
r
s
r
\
N
Z
p
i
°.
8
k
u
r
d
s
b
p
L
$u
A
°V
$g
°d
|m
r
l
ı
k
p
°(
‚
Z
p
g
uf̀
k
u
r
d
s
Ï
e
p
ø
e
p
L
$f
p
C
R
>
°)
,
S
>
°s
°q
v
$h
k
°b
p
L
$u
l
p
°e
.
A
p
d
p
Ñg
°Z
p
ÑL
$p
°C
Z̀
Ï
e
p
S
>L
°$g
°S
>
f
b
°g
°fi
k
_
p
d
|m
f
L
$d
_
p
r
l
ı
k
p
_
p
°k
d
p
h
°i
_
\
u
.
À
°r
n
s
d
|m
f
L
$d
_
u
Q
yL
$h
Z
u
_
u
f
°M
p
d
p
Ñd
p
r
k
L
$^
p
°f
Z
°k
u
d
p
A
p
°R
>
u
L
$f
p
i
°.
Service charges for all products
Request for copy of property documents held with the Bank
Request for change of EMI date, rescheduling of loans (increase/decrease in EMI/tenure)
Request for daily interest calculation details
Request for duplicate amortisation schedule
Request for duplicate copy of welcome pack (amortisation schedule plus facility advice
letter plus list of documents)
Re-pricing request for an active account
`500
`300
`300
`300
`300
0.5% of the outstanding loan
amount
Request for change of Standing Instructions, change of repayment mode (cheque swap
charges)
Copy of track record
Copy of Credit Information Report (CIR)
`500
`250 per statement
`50
g
^
r
C
À
n
m
X
m
|H
o$
{
b
E
g
od
m
‡
^
m
a
`500
~
¢H
$
¤
m
a
m
a
I
oJ
E
g
ßn
{
Œ
m
H
o$
X
Ò
V
m
d
oO
H
$
s
‡
{
V
H
o$
{
b
E
A
Z
wa
m
oY
_
m
{
g
H
$
{
H
$
Ò
V
H
$
s
V
m
a
r
I
_
|~
X
b
m
d
,
H
$
O
m
]H
$
s
n
wZ
a
©M
Z
m
(
[
a
e
oS
>Á
yq
b
J
)
(
_
m
{
g
H
$
{
H
$
Ò
V
/
A
d
{
Y
H
$
m
o~
T
>m
Z
o/
K
Q
>m
Z
o)
H
o$
{
b
E
A
Z
wa
m
oY `300
`300
X
°{
Z
H
$
„
`
m
O
J
U
Z
m
H
$
o{
d
d
a
U
H
o$
{
b
E
A
Z
wa
m
oY
{
H
$
Ò
V
a
M
Z
m
H
$
s
X
yg
a
r
‡
{
V
H
o$
{
b
E
A
Z
wa
m
oY
`300
`300
d
ob
H
$
_
n
°H
$
H
$
s
X
yg
a
r
‡
{
V
(
{
H
$
Ò
V
a
M
Z
m
,
\
o$
g
o{
b
Q
>r
E
S
>d
m
B
g
n
Ã
,
g
m
W
_
|X
Ò
V
m
d
oO
m
|H
$
s
g
yM
r
)
H
o$
{
b
E
A
Z
wa
m
oY
g
[
H
´$
`
I
m
V
oH
$
s
[
a
‡
m
B
[
O
ßJ
H
o$
{
b
E
A
Z
wa
m
oY
H
$
O
©H
$
s
~
H
$
m
`
m
a
m
{
e
H
$
m
0
.
5
%
I
S
>o{
Z
X
}e
_
|n
[
a
d
V
©Z
,
n
wZ
^
w©J
V
m
Z
_
m
oS
>_
|n
[
a
d
V
©Z
H
o$
{
b
E
A
Z
wa
m
oY
(
M
oH
$
Ò
d
°n
M
m
O
}g
)
Q
¥>°H
$
[
a
H
$
m
∞S
>©H
$
s
‡
{
V
H
ó$
{
S
>Q
>B
›
\
$
m
∞_
}e
Z
[
a
n
m
oQ
>©(
g
r
A
m
B
©A
m
a
)
H
$
s
‡
{
V
s
d
p
d
‚
p
°X
$º
V
$p
°d
p
V
°$k
°h
p
v
$f
p
°
b
°fi
L
$ p̀
k
°r
d
g
L
$s
_
p
v
$ı
s
p
h
°≈
°_
u
_
L
$g
d
p
V
°$r
h
_
Ñs
u
C
A
°d
A
p
C
_
u
s
p
f
u
M
,
g
p
°_
q
f
r
i
X
$È
yg
L
$f
h
u
(
C
A
°d
A
p
C
/
d
yv
$s
d
p
Ñh
^
p
f
p
°/
O
V
$p
X
$p
°)
d
p
Ña
°f
a
p
f
d
p
V
°$r
h
_
Ñs
u
f
p
°S
>
_
u
Ï
e
p
S
>
_
u
N
Z
s
f
u
_
u
r
h
N
s
p
°d
p
V
°$r
h
_
Ñs
u
X
y$[
‡
g
L
°$V
$A
d
p
°V
$p
ÆC
T
°i
_
r
i
X
$È
yg
d
p
V
°$r
h
_
Ñs
u
h
°g
L
$d
`
°L
$_
u
X
y$[
‡
g
L
°$V
$_
L
$g
d
p
V
°$r
h
_
Ñs
u
(
A
d
p
°V
$p
ÆC
T
°i
_
r
i
X
$È
yg
h
—
p
k
yr
h
^
p
_
u
k
g
p
l
_
p
°`
”
h
—
°v
$ı
s
p
h
°≈
°_
u
e
p
v
$u
)
k
q
æ
$e
A
L
$p
D
fi
V
$d
p
V
°$q
f
‚
p
C
t
k
N
_
u
r
h
_
Ñs
u
ı
\
p
e
u
k
|Q
_
p
b
v
$g
u
L
$f
h
p
_
u
,
`
y_
:
Q
yL
$h
Z
u
d
p
›
e
d
b
v
$g
u
L
$f
h
p
_
u
r
h
_
Ñs
u
(
Q
°L
$ı
h
°`
v
$f
p
°)
V
≤°$L
$f
°L
$p
°X
Æ$_
u
_
L
$g
æ
°$q
X
$V
$C
fi
a
p
°d
£i
_
q
f
p̀
°V
Æ$(
k
u
A
p
C
A
p
f
)
_
u
_
L
$g
`500
Legal/Other charges
Legal charges:
Expenses incurred on proceedings under SARFAESI Act/proceedings under Section 138
of NI Act and/or other litigation on the account
Other charges:
Other incidental charges and expenses will be levied to cover the costs, charges,
expenses, lawyers' charges and/or cost incurred on the litigation/any legal matter in
relation to your loan and all other cost that may have been incurred in connection with
recovery of dues from delinquent accounts
H
$
m
Z
yZ
r
/
A
›
`
e
wÎ
H
$
H
$
m
Z
yZ
r
e
wÎ
H
$
:
SARFAESI E
oä Q
H
$
s
H
$
m
`
©d
m
h
r
>/
E
Z
A
m
B
©E
oä Q
>H
$
s
Y
m
a
m
1
3
8
H
o$
A
ßV
J
©V
H
$
s
J
B
©_
wH
$
X
_
o~
m
O
r
A
m
°a
/̀
m
B
g
g
ß~
ßY
_
|A
›
`
H
$
m
Z
yZ
r
_
m
_
b
m
|_
|H
$
s
J
B
©H
$
m
`
©d
m
h
r
A
›
`
e
wÎ
H
$
:
>
A
›
`
A
m
H
$
p
Ò
_
H
$
e
wÎ
H
$
A
m
°a
Ï
`
,̀
A
m
n
H
o$
G
$
U
H
o$
g
ß~
ßY
_
|b
m
J
V
m
|,
e
wÎ
H
$
m
|,
Ï
`
`
m
|,
d
H
$
s
b
m
|H
o$
e
wÎ
H
$
A
m
°a
/̀
m
A
{
^
`
m
oJ
/
{
H
$
g
r
H
$
m
Z
yZ
r
_
m
_
b
on
a
I
M
©H
$
s
J
B
©b
m
J
V
A
m
°a
d
og
^
r
A
›
`
b
m
J
V
O
m
oh
m
og
H
$
V
m
h
°X
m
of
r
I
m
V
m
|g
o~
H
$
m
`
m
H
$
s
d
g
yb
r
H
o$
g
ß~
ßY
_
|Ï
`
`
H
$
s
J
B
©h
m
o,
H
$
m
og
_
m
{
d
Ô
>H
$
a
Z
oH
o$
{
b
E
b
J
m
E
O
m
E
ßJ
o
L
$p
_
|_
u
/
A
fi
e
v
$f
p
°
L
$p
_
|_
u
v
$f
p
°:
SARFAESI A
°º
V
$/
A
°_
A
p
C
^
p
f
p
_
u
L
$g
d
1
3
8
l
°W
$m
L
$p
e
Æh
p
l
u
A
_
°/
A
\
h
p
M
p
s
pf̀
A
fi
e
r
g
q
V
$N
°i
_
l
°W
$m
L
$p
e
Æh
p
l
uf̀
L
$f
p
e
°g
p
°M
Q
Æ
A
fi
e
v
$f
p
°:
A
fi
e
O
V
$_
p
–
d
L
$v
$f
p
°A
_
°M
Q
ÆA
°s
d
p
f
u
g
p
°_
_
p
k
Ñb
Ñ^
d
p
ÑA
f
∆
/
L
$p
°C
Z̀
L
$p
_
|_
u
d
p
d
g
pf̀
\
e
°g
p
°M
Q
Æ,
v
$f
p
°,
Q
yL
$h
œ
Ñ,
h
L
$u
g
p
°_
p
v
$f
p
°A
_
°/
A
\
h
p
M
Q
Æ
A
_
°L
$k
|f
L
$f
_
p
f
M
p
s
p
Ñd
p
Ñ\
u
g
°Z
p
Ñh
k
|g
u
k
p
\
°k
Ñb
Ñ^
d
p
Ñ\
_
p
f
k
h
ÆA
fi
e
M
Q
Æ
A
p
h
f
u
g
°h
p
d
p
V
°$g
p
N
yL
$f
p
i
°.
`250 ‡
{
V
Ò
Q
>oQ
>_
|Q
>
`50
`5
0
0
`3
0
0
`3
0
0
`3
0
0
`3
0
0
b
p
L
$u
g
p
°_
_
u
f
L
$d
_
p
0
.
5
%
`5
0
0
r
_
h
°v
$_
v
$u
W
$`2
5
0
`5
0
As per actuals applicable to an
overdue/ delinquent account
As per actuals applicable to an
overdue/
delinquent account
{
H
$
g
r
A
m
od
a
S
>Á
y/
{
S
>{
b
›
π
o$
›
Q
(
~
H
$
m
`
m
)
I
m
V
o_
|b
m
J
y
A
Z
wg
m
a
d
m
Ò
V
{
d
H
$
I
M
©
{
H
$
g
r
A
m
od
a
S
>Á
y/
{
S
>{
b
›
π
o$
›
Q
(
~
H
$
m
`
m
)
I
m
V
o_
|
b
m
J
yA
Z
wg
m
a
d
m
Ò
V
{
d
H
$
I
M
©
A
p
°h
f
X
$È
y/
a
f
S
>Q
|L
$_
p
f
M
p
s
p
_
°g
p
N
y
h
p
ı
s
r
h
L
$A
_
yk
p
f
A
p
°h
f
X
$È
y/
a
f
S
>Q
|L
$_
p
f
M
p
s
p
_
°g
p
N
y
h
p
ı
s
r
h
L
$A
_
yk
p
f
Note:
Please be advised that applicable Indirect Taxes including Service Tax/Cess and any other amount liable to tax under prevailing
indirect tax laws would be recovered on all our fees and charges.
Charges are applicable for relevant services, for the associated savings/current account. Please refer to the Tariff Schedule for
such accounts displayed on www.hsbc.co.in for details.
We reserve the right to vary charges or fees from time to time by giving you prior notice of not less than 30 days for any
variation affecting fees and charges under our control or affecting your liabilities or obligations or for such reasonable period as
we may specify in the case of other variations. We will immediately update, on our website, any changes to the tariff.
If we have made any change without notice, we will notify the change within 30 days. If such change is to your disadvantage,
you may within 60 days of the notice, close your account without having to pay any prepayment charge.
We would not be bound by a month's notice for change in interest rates or any charge levied as a result of regulatory requirements.
{
Q
>fl
n
U
r
:
H
•$
ǹ
m
‹
`
m
Z
X
|{
H
g
od
m
H
$
a
/
C
n
H
$
a
A
m
°a
‡
M
{
b
V
A
‡
À
j̀
H
$
a
H
$
m
Z
yZ
m
|H
o$
A
ßV
J
©V
H
$
a
`
m
oΩ
`
H
$
m
oB
©A
›
`
a
m
{
e
g
{
h
V
b
m
J
yA
‡
À
j̀
H
$
a
h
_
m
a
og
^
r
e
wÎ
H
$
m
|A
m
°a
‡
^
m
a
m
|n
a
d
g
yb
{
H
$
`
m
O
m
E
J
m
.
‡
m
g
ß{
J
H
$
g
od
m
A
m
|H
o$
{
b
E
,
g
ß~
’
~
M
V
/
M
m
b
yI
m
V
oH
o$
{
b
E
e
wÎ
H
$
b
m
J
yh
°.
H
•$
ǹ
m
B
g
‡
H
$
m
a
H
o$
I
m
V
m
|H
o$
{
b
E
Q
>°[
a
\
$
A
Z
wg
yM
r
H
$
m
oO
m
Z
H
$
m
a
r
H
o$
{
b
E
www.hsbc.co.in n
a
X
oI
|.
h
_
m
a
o{
Z̀
ßÃ
U
_
|e
wÎ
H
$
A
m
°a
‡
^
m
a
H
$
m
o‡
^
m
{
d
V
H
$
a
Z
od
m
b
o`
m
A
m
n
H
o$
X
m
{À̀
d
m
|`
m
~
m
‹
V̀
m
A
m
|H
$
m
o‡
^
m
{
d
V
H
$
a
Z
od
m
b
o{
H
$
g
r
^
r
~
X
b
m
d
H
o$
{
b
E
A
m
n
H
$
m
oH
$
_
g
oH
$
_
3
0
{
X
Z
m
|H
$
s
`
m
E
og
r
C
{
M
V
A
d
{
Y
H
o$
{
b
E
O
°g
m
h
_
A
›
`
~
X
b
m
d
m
|H
$
s
p
Ò
W
{
V
_
|{
Z
{
X
©Ô
>H
$
a
g
H
$
V
oh
¢,
n
yd
©g
yM
Z
m
X
oH
$
a
g
_
-̀
g
_
`
n
a
e
wÎ
H
$
A
m
°a
‡
^
m
a
m
|_
|~
X
b
m
d
H
$
m
A
{
Y
H
$
m
a
h
_
m
a
on
m
g
g
wa
{
j
V
h
°.
Q
>°[
a
\
$
_
|H
$
m
oB
©^
r
n
[
a
d
V
©Z
h
_
V
wa
ßV
h
_
m
a
r
d
o~
g
m
B
Q
>n
a
A
⁄
V
Z
H
$
a
|J
o.
`
{
X
h
_
Z
o{
~
Z
m
{
H
$
g
r
g
yM
Z
m
H
o$
H
$
m
oB
©n
[
a
d
V
©Z
{
H
$
`
m
h
°,
V
m
oh
_
3
0
{
X
Z
m
|H
o$
^
r
V
a
n
[
a
d
V
©Z
H
o~
m
a
o_
|g
y{
M
V
H
$
a
|J
o.
`
{
X
E
og
m
n
[
a
d
V
©Z
A
m
n
H
o$
{
b
E
h
m
{
Z
H
$
m
a
H
$
h
m
o,
V
m
oA
m
n
g
yM
Z
m
H
o$
6
0
{
X
Z
m
|H
o$
^
r
V
a
,
{
~
Z
m
H
$
m
oB
©n
yd
©^
wJ
V
m
Z
e
wÎ
H
$
H
$
m
^
wJ
V
m
Z
{
H
$
E
A
n
Z
m
I
m
V
m
~
ßX
H
$
a
g
H
$
V
oh
¢.
h
_
|„
`
m
O
X
a
m
|_
|`
m
{
Z̀
m
_
H
$
A
m
d
Ì
H̀
$
V
m
A
m
|H
o$
n
[
a
U
m
_
Ò
d
Í
$
n
b
J
m
E
J
E
{
H
$
g
r
‡
^
m
a
_
|~
X
b
m
d
H
o$
{
b
E
E
H
$
_
m
h
H
$
s
g
yM
Z
m
¤
m
a
m
~
m
‹
`
Z
h
t
{
H
$
`
m
O
m
E
J
m
.
_
p
¢^
:
L
©$ è
p
›
e
p
_
d
p
Ñf
p
M
i
p
°L
°$k
°h
p
L
$f
/
k
°k
k
r
l
s
g
p
N
yC
_
X
$p
e
f
°º
V
$V
°$º
k
u
k
A
_
°‚
h
s
Æd
p
_
L
$f
L
$p
e
v
$p
A
p
°l
°W
$m
L
$f
_
°D
—
f
v
$p
e
u
L
$p
°C
Z̀
A
fi
e
f
L
$d
A
d
p
f
u
k
h
Æ
a
u
A
_
°v
$f
p
°d
p
Ñ\
u
h
k
|g
L
$f
p
i
°.
v
$f
p
°k
ÑL
$m
p
e
°g
p
Ñk
°t
h
¡
k
/
L
$f
fi
V
$M
p
s
p
d
p
V
°$k
yk
ÑN
s
k
°h
p
A
p
°d
p
V
°$g
p
N
yR
>
°.
L
©$ è
p
A
p
h
p
ÑM
p
s
p
Ñd
p
V
°$V
°$q
f
a
r
i
X
$È
yg
_
u
r
h
N
s
p
° www.hsbc.co.in f̀
A
p
L
$r
i
Æs
L
$f
°g
R
>
°s
°S
y>
A
p
°.
A
d
°A
d
p
f
p
r
_
e
Ñ”
Z
l
°W
$m
L
$p
°C
Z̀
h
°q
f
e
°i
_
A
k
f
L
$f
s
p
A
\
h
p
s
d
p
f
u
g
p
e
°r
b
r
g
V
$u
A
p
°A
\
h
p
S
>
h
p
b
v
$p
f
u
A
p
°_
°A
k
f
L
$f
s
p
A
\
h
p
A
fi
e
h
°q
f
e
°i
fi
k
_
p
q
L
$ı
k
p
d
p
ÑA
d
°Q
p
°M
h
V
$L
$f
u
l
p
°e
s
°d
yS
>
b
A
p
h
p
Ï
e
h
l
p
f
yk
d
e
N
p
m
p
d
p
V
°$L
$p
°C
Z̀
h
°q
f
e
°i
_
‚
c
p
r
h
s
L
$f
s
u
a
u
A
_
°v
$f
p
°d
p
V
°$3
0
q
v
$h
k
\
u
A
p
°R
>
u
_
l
]
s
°f
u
s
°
s
d
_
°`
|h
Æk
|Q
_
p
A
p
ù
_
°k
d
e
p
Ñs
f
°v
$f
p
°L
°$a
u
d
p
Ña
°f
a
p
f
L
$f
h
p
_
p
°A
b
p
r
^
s
A
r
^
L
$p
f
^
f
p
h
u
A
°R
>
u
A
°.
≈
°V
°$q
f
a
d
p
ÑL
$p
°C
Z̀
a
°f
a
p
f
l
p
°e
s
p
°A
d
°A
d
p
f
u
h
°b
k
p
C
V
$
f̀
s
p
–
L
$p
r
g
L
$s
° À
X
°$V
$L
$f
u
i
yÑ.
≈
°A
d
°`
|h
Æk
|Q
_
p
r
h
_
p
L
$p
°C
Z̀
a
°f
a
p
f
L
$e
p
£l
p
°e
s
p
°A
d
°3
0
q
v
$h
k
d
p
Ña
°f
a
p
f
_
u
≈
Z
L
$f
u
i
yÑ.
≈
°A
p
h
p
°a
°f
a
p
f
s
d
p
f
p
N
°f
g
p
c
d
p
Ñl
p
°e
s
p
°s
d
°6
0
q
v
$h
k
_
u
A
Ñv
$f
A
_
°L
$p
°C
Z̀
k
|Q
_
p
r
h
_
p
L
$p
°C
Z̀
`
|h
ÆQ
yL
$h
Z
u
v
$f
p
°Q
|L
$Ï
e
p
r
h
_
p
s
d
p
f
yÑ M
p
s
yÑ b
Ñ^
L
$f
p
h
u
i
L
$p
°R
>
p
°.
≈
°L
°$s
°d
p
Ñr
_
e
d
_
A
p
h
Ì
e
L
$s
p
A
p
°_
°g
u
^
°a
p
C
_
p
fi
k
v
$f
p
°(
Ï
e
p
S
>v
$f
p
°)
A
_
°L
$p
°C
Z̀
g
p
N
yv
$f
p
°g
p
N
y_
l
]
\
p
e
.
2. Interest
• On a monthly basis, you would be required to repay the principal amount of the loan and interest on the loan at the rate as
set out in the agreement
• Interest on your loan accrues on a daily basis and needs to be paid on due dates as set out in the agreement/facility
advice letter
• If your EMI date falls on a Sunday/public holiday, your interest will be calculated inclusive of that day and debited on the
next working day
• Floating rate loans are linked to our Base Rate (BR) which is subject to change at any point of time, at our sole discretion.
Any revision in the Base Rate would also have an impact on your interest rate
• Your SmartLAP/Smart Home account can be used for other regular banking transactions. Excess funds over and above
the EMI deposited by you into the account will result in savings on interest as the account will compute interest only on the
net debit/ledger balance on a daily basis. This interest offset enables you to reduce the interest paid and thereby resulting
in a reduced tenure of the loan
2
.„
m̀
O
∑
E
H
$
_
m
{
g
H
A
m
Y
m
a
n
a
,
A
m
n
H
$
m
oG
$
U
H
$
s
_
yb
a
m
{
e
A
m
°a
G
$
U
n
a
„
`
m
O
,
A
Z
w~
ßY
_
|{
Z
p
Ì
M
V
H
$
s
J
B
©X
a
n
a
n
wZ
:
b
m
°Q
>m
Z
oH
$
s
A
m
d
Ì
H̀
$
V
m
h
m
oJ
r
.
∑
A
m
n
H
o$
G
$
U
n
a
„
`
m
O
X
°{
Z
H
$
A
m
Y
m
a
n
a
A
{
O
©V
h
m
oV
m
h
°A
m
°a
B
g
H
o$
{
Z̀
V
{
V
{
W
n
a
^
wJ
V
m
Z
{
H
$
E
O
m
Z
oH
$
s
A
m
d
Ì
H̀
$
V
m
h
m
oV
r
h
°O
m
o{
H
$
A
Z
w~
ßY
/
g
w{
d
Y
m
n
a
m
_
e
©n
Ã
_
|{
Z
Y
m
©[
a
V
{
H
$
`
m
J̀
m
h
°.
∑
`
{
X
A
m
n
H
$
s
B
©E
_
A
m
B
©H
$
s
{
V
{
W
{
H
$
g
r
a
{
d
d
m
a
/
g
m
d
©O
{
Z
H
$
A
d
H
$
m
e
n
a
A
m
V
r
h
°,
V
m
oA
m
n
H
o„
`
m
O
H
$
s
C
g
{
X
Z
H
$
m
o{
_
b
m
H
$
a
J
U
Z
m
H
$
s
O
m
E
J
r
A
m
°a
C
g
oA
J
b
oH
$
m
`
©{
X
d
g
n
a
A
m
h
[
a
V
H
$
a
{
b̀
m
O
m
E
J
m
.
∑
A
Ò
W
m
B
©X
a
G
$
U
h
_
m
a
r
A
Y
m
a
X
a
(
~
r
A
m
a
)
g
oO
wãS
>oh
¢O
m
o{
H
$
h
_
m
a
o{
d
d
oH
$
n
a
{
H
$
g
r
^
r
g
_
`
n
[
a
d
V
©Z
H
o$
A
Y
r
Z
h
°.
A
m
Y
m
a
X
a
_
|{
H
$
g
r
g
ße
m
oY
Z
H
$
m
^
r
A
m
n
H
$
s
„
`
m
O
X
a
n
a
‡
^
m
d
n
ãS
>V
m
h
°.
∑
A
m
n
H
o$
Ò
_
m
Q
>©E
b
E
n
r
/
Ò
_
m
Q
>©h
m
o_
I
m
V
oH
$
m
C
ǹ
m
oJ
A
›
`
{
Z̀
{
_
V
~
¢q
H
$
J
b
oZ
X
oZ
H
o$
{
b
E
{
H
$
`
m
O
m
g
H
$
V
m
h
°.
A
m
n
H
o$
¤
m
a
m
I
m
V
o_
|O
_
m
B
©E
_
A
m
B
©n
a
`
m
C
g
H
o$
D
$
n
a
A
{
V
[
a
∫
$
a
m
{
e
H
$
m
n
[
a
U
m
_
„
`
m
O
n
a
~
M
V
H
o$
Í
$
n
_
|h
m
oJ
m
ä `
m
|{
H
$
I
m
V
o_
|„
`
m
O
H
$
s
J
U
Z
m
X
°{
Z
H
$
A
m
Y
m
a
n
a
{
g
µ\
©$
H
w$
b
S
>o{
~
Q
>/
b
oO
a
~
°b
|g
n
a
H
$
s
O
m
E
J
r
.
„
`
m
O
H
$
m
g
_
m
`
m
oO
Z
A
m
n
H
$
m
o^
wJ
V
m
Z
{
H
$
E
J
E
„
`
m
O
H
$
m
oH
$
_
H
$
a
Z
o_
|g
j
_
~
Z
m
V
m
h
°A
m
°a
B
g
V
a
h
B
g
H
$
m
n
[
a
U
m
_
G
$
U
H
$
s
H
$
_
A
d
{
Y
H
o$
Í
$
n
_
|h
m
oV
m
h
°.
2
.
Ï
e
p
S
>
∑
L
$f
p
f
d
p
ÑA
p
‡
e
p
d
yS
>
b
v
$f
°d
p
r
k
L
$^
p
°f
Z
°s
d
°g
p
°_
_
u
d
|m
f
L
$d
A
_
°s
°_
uf̀
Ï
e
p
S
>
_
u
`
y_
:
Q
yL
$h
Z
u
L
$f
h
yÑ A
p
h
Ì
e
L
$R
>
°.
∑
Ï
e
p
S
>f
p
°S
>
_
p
^
p
°f
Z
° D̀
p
r
S
>
Æs
\
p
e
R
>
°A
_
°L
$f
p
f
/
k
yr
h
^
p
k
g
p
l
`
”
d
p
ÑA
p
‡
e
p
d
yS
>
b
_
º
L
$u
L
$f
°g
s
p
f
u
M
°Q
|L
$h
h
yÑ S
>
Í
$f
u
R
>
°.
s
d
p
f
u
g
p
°_
f̀
∑
≈
°s
d
p
f
u
C
A
°d
A
p
C
_
u
s
p
f
u
M
f
r
h
h
p
f
/
≈
l
°f
f
≈
_
p
f
p
°S
>A
p
h
s
u
l
p
°e
s
p
°s
d
p
f
p
Ï
e
p
S
_
u
>s
°r
v
$h
k
_
p
°k
d
p
h
°i
L
$f
u
_
°N
Z
s
f
u
L
$f
p
i
°A
_
°A
p
N
p
d
u
L
$p
d
L
$p
S
>
_
p
q
v
$h
k
°L
$p
ù
g
°h
p
i
°.
∑
„
g
p
°q
V
Ñ$N
v
$f
_
u
g
p
°_
A
d
p
f
p
b
°T
f
°V
$(
b
u
A
p
f
)
k
p
\
°t
g
º
X
$l
p
°e
R
>
°,
S
>
°A
d
p
f
u
A
°L
$d
°h
d
f
∆
A
°L
$p
°C
Z̀
k
d
e
°a
°f
a
p
f
_
°A
p
^
u
_
R
>
°.
b
°T
f
°V
$d
p
ÑL
$p
°C
Z̀
k
y^
p
f
p
°s
d
p
f
p
Ï
e
p
S
>v
$f
_
°‚
c
p
r
h
s
L
$f
i
°.
∑
s
d
p
f
p
ı
d
p
V
Æ$A
°g
A
° ù
/
ı
d
p
V
Æ$l
p
°d
A
L
$p
D
fi
V
$A
fi
e
_
p
° D̀
e
p
°N
r
_
e
r
d
s
b
°[
fi
L
Ñ$N
g
°Z
v
°$Z
d
p
V
°$L
$f
u
i
L
$p
e
R
>
°.
s
d
p
p
p
‹
p
f
p
M
p
s
p
d
p
ÑS
>
d
p
L
$f
°g
u
C
A
°d
A
p
C
D̀
f
p
Ñs
_
yÑ h
^
p
f
p
_
yÑ c
ÑX
$p
°m
Ï
e
p
S
> f̀
b
Q
s
d
p
Ñ q̀
f
Z
d
i
°,
L
$p
f
Z
L
°$Ï
e
p
S
>
_
u
N
Z
s
f
u
f
p
°S
>
_
p
^
p
°f
Z
°Q
p
°ø
M
u
X
°$r
b
V
$/
g
°S
>
f
b
°g
°fi
k
f̀
S
>
L
$f
p
e
R
>
°.
A
p
Ï
e
p
S
>A
p
°a
a
k
°V
$_
°g
u
^
°N
∞p
l
L
°$Q
|L
$h
h
p
_
yÑ Ï
e
p
S
>A
p
°R
y>
Ñ\
i
°A
_
°s
°_
°g
u
^
°g
p
°_
_
u
d
yv
$s
O
V
$i
°.
Changes in the rate of interest
Your floating interest rate loan is linked to our Base Rate (BR). Any change in the BR would also have an impact on your rate of
interest of your loan.
„
m̀
O
H
$
s
X
a
_
|n
[
a
d
V
©Z
A
m
n
H
$
m
A
Ò
W
m
B
©„
`
m
O
X
a
G
$
U
h
_
m
a
r
A
m
Y
m
a
(
~
r
A
m
a
)
X
a
g
oO
wãS
>m
h
˛A
m
h
°.
~
r
A
m
a
_
|H
$
m
oB
©^
r
n
[
a
d
V
©Z
A
m
n
H
o$
G
$
U
n
a
A
m
n
H
o$
„
`
m
O
H
$
s
X
a
H
$
m
o‡
^
m
{
d
V
H
$
a
oJ
m
.
Ï
e
p
S
>v
$f
d
p
Ña
°f
a
p
f
N
∞p
l
L
$p
°_
u
„
g
p
°q
V
Ñ$N
v
$f
_
u
g
p
°_
A
°Q
A
°k
b
u
k
u
_
p
b
°T
f
°V
$(
b
u
A
p
f
)
k
p
\
°t
g
º
X
$R
>
°.
b
u
A
p
f
d
p
ÑL
$p
°C
Z̀
a
°f
a
p
f
N
∞p
l
L
$_
u
g
p
°_
_
p
Ï
e
p
S
>
_
p
v
$f
_
°‚
c
p
r
h
s
L
$f
°R
>
°.
Date of EMI payment
Your EMI date would be either the 1st or the 15th of every month following the month of disbursal. For loans disbursed between
the 1st and the 15th, the EMI would fall on the 1st of the next month and for loans disbursed between the 15th and the 31st of the
month, the EMI would fall on the 15th of the next month.
B
©E
_
A
m
B
©H
o$
^
wJ
V
m
Z
H
$
s
{
V
{
W
A
m
n
H
o$
B
©E
_
A
m
B
©H
$
s
{
V
{
W
g
ß{
d
V
a
U
H
o$
_
m
h
H
o$
~
m
X
h
a
_
m
h
H
$
s
`
m
V
m
on
h
b
r
`
m
1
5
d
t
{
V
{
W
h
m
oJ
r
.
n
h
b
r
A
m
°a
1
5
d
r
ß{
V
{
W
H
o$
~
r
M
{
d
V
[
a
V
G
$
U
H
o$
{
b
E
,
B
©E
_
A
m
B
©A
J
b
o_
m
h
H
$
s
n
h
b
r
{
V
{
W
n
a
X
o`
h
m
oJ
r
A
m
°a
_
m
h
H
$
s
1
5
d
t
g
o3
1
d
t
{
V
{
W
H
o$
_
‹
`
{
d
V
[
a
V
G
U
H
o$
{
b
E
,
B
©E
_
A
m
B
©A
J
b
o_
m
h
H
$
s
1
5
d
t
{
V
{
W
n
a
X
o`
h
m
oJ
r
.
C
A
°d
A
p
C
Q
yL
$h
Z
u
_
u
s
p
f
u
M
N
∞p
l
L
$_
u
C
A
°d
A
p
C
s
p
f
u
M
p
°r
h
s
f
Z
_
p
d
r
l
_
p
_
°A
_
yk
f
s
p
Ñv
$f
d
r
l
_
°1
g
u
A
\
h
p
1
5
d
u
f
l
°i
°.
1
g
u
A
_
°1
5
d
u
h
√
Q
°g
p
°_
r
h
s
f
Z
d
p
V
°$C
A
°d
A
p
C
A
p
N
p
d
u
d
r
l
_
p
_
u
1
g
u
A
°A
p
h
i
°A
_
°1
5
d
u
s
\
p
3
1
d
u
h
√
Q
°g
p
°_
_
p
r
h
s
f
Z
d
p
V
°$C
A
°d
A
p
C
A
p
N
p
d
u
d
r
l
_
p
_
u
1
5
d
u
A
°c
f
h
p
_
p
°A
p
h
i
°.
3. Conditions for disbursement
• We may disburse the quantum of loan in lump sum or in instalments, at our own discretion depending on whether the property is
under construction or complete in all respects or existing for a certain number of years as acceptable to our internal policies
• We would also be at liberty to disburse the loan amount directly to the builder/seller/society as the case may be and also
as requested/specified/directed by you. We will not be responsible/liable in any manner whatsoever for any delay from your
side in providing such request/specification/direction. You will not claim any costs, charges and expenses in relation to any
non-disbursal by us, due to any such delay from your side. If you authorise us to handover the disbursement proceeds to
the aforesaid persons directly, then after such disbursement as per your instructions, we will be discharged from our liability
to make the disbursement
• We would be free to stop disbursements of further instalments, on happening of any of the events which will affect the
security created in any way, i.e. due to stoppage of construction, delay in construction, litigation, acquisition, requisition,
reduction in the value of the security offered, on happening of any events as stipulated in the loan agreement under the
heading 'Events of default' or for any other reason as deemed fit by the Bank
• Disbursements under the loan shall be made subject to fulfilment and compliance with the terms and conditions of the
agreement for loan and furnishing of all other standard documents and writings executed by you and as specified by the
Bank, including the following:
a. No event of default has occurred or is subsisting.
b. You furnishing an evidence that the disbursement requested by yourselves is required for the purpose for which the
loan was initially approved.
c. You furnishing such documents, evidences and writings as may be required in connection with the requested disbursement.
d. No circumstances shall have occurred which in our opinion, may make it impossible for you to fulfil the obligations
under documents executed or under the terms and conditions of the agreement for loan or other standard documents
executed by you for availing of the loan.
e. You delivering the evidence to our satisfaction that all consents, approvals and permissions required to avail of the
loan and to comply with all documentation related to availing of the loan including creation of security, is completed.
f. You need to insure the property with an insurance company, against loss by fire, earthquake, floods and other damages,
with The Hongkong and Shanghai Banking Corporation Limited, India, as the beneficiary. You are required to furnish copy
of the insurance policy with respect to the property(ies) endorsed in favour of HSBC as the financier/mortgagee.
• The disbursement shall be deemed to have been made to you on the date of the cheque or the payment advice, as the
case may be, under which such disbursement shall have been made irrespective of the date on which the disbursement
may have been received by you. Therefore, the interest on the loan shall accrue in favour of HSBC, from the date of the
cheque/payment advice/pay order/transfer by us, as the case may be, irrespective of the time taken by you for the transit/
collection/realisation of the same
• In cases of under construction properties, we shall have the discretion to disburse the loan without any conditions, however,
we may exercise our discretion to disburse in certain circumstances, only after the construction/improvement of such
property has commenced and you producing documentary proof to us. We shall make disbursements in stages as per
the progress of work, in terms of our internal norms and guidelines. You shall not hold us responsible for any delay in the
construction/giving possession of/completion of the property by the developer/builder/society to yourselves or for quality,
condition, fitness of the property even if we may have approved/sanctioned any facilities to such developer/promoter/builder/
development authority or given you any information about such promoter/property/builder/development authority. You shall
have to abide by all its obligations as required in case of availing of loan for an under construction property.
3
.g
ß{
d
V
a
U
H
o$
{
b
E
e
V
]
∑
h
_
A
n
Z
oÒ
d̀
ßH
o$
{
d
d
oH
$
n
a
G
$
U
H
$
s
_
m
Ã
m
E
H
$
_
wÌ
V
`
m
{
H
$
Ò
V
m
|_
|{
d
V
[
a
V
H
$
a
g
H
$
V
oh
¢,
h̀
B
g
~
m
V
n
a
{
Z
^
©a
H
$
a
V
m
h
°{
H
$
g
ßn
{
Œ
m
g
^
r
_
m
_
b
m
|_
|{
Z
_
m
©U
m
Y
r
Z
h
°`
m
n
ya
r
h
m
oJ
B
©h
°`
m
{
Z
p
Ì
M
V
d
f
m
]H
o$
{
b
E
{
d
⁄
_
m
Z
h
°O
°g
m
^
r
h
_
m
a
r
A
m
ßV
[
a
H
$
n
m
∞{
b
{
g̀
m
|H
o$
{
b
E
Ò
d
r
H
$
m
`
©h
m
o.
∑
h
_
{
Z
_
m
©V
m
/
{
d
H
ó$
V
m
/
g
_
m
O
H
$
m
o,
O
°g
r
^
r
p
Ò
W
{
V
h
m
o,
A
m
°a
O
°g
m
^
r
A
m
n
H
o$
¤
m
a
m
A
Z
wa
m
oY
/
{
Z
{
X
©Ô
>/
{
Z
X
}{
e
V
{
H
$
`
m
J̀
m
h
m
o,
G
$
U
a
m
{
e
g
r
Y
oh
r
{
d
V
[
a
V
H
$
a
Z
oH
o$
{
b
E
Ò
d
V
ßÃ
h
m
|J
o.
h
_
A
m
n
H
$
s
V
a
\
$
g
oE
og
m
A
Z
wa
m
oY
/
{
d
{
Z
X
}e
Z
/
{
Z
X
}e
Z
‡
X
m
Z
H
$
a
Z
o_
|{
H
$
g
r
^
r
V
a
h
H
o$
{
d
b
ß~
H
o$
{
b
E
{
µO
Â
_
oX
m
a
/
C
Œ
m
a
X
m
`
r
Z
h
t
h
m
|J
o.
A
m
n
H
$
s
V
a
\
$
g
o{
H
$
E
J
E
E
og
o{
d
b
ß~
H
o$
H
$
m
a
U
,
h
_
m
a
o
¤
m
a
m
H
$
m
oB
©{
d
V
a
U
Z
h
m
oZ
oH
o$
g
ß~
ßY
_
|{
H
$
g
r
b
m
J
V
,
e
wÎ
H
$
A
m
°a
Ï
`
`
m
|H
$
m
A
m
n
X
m
d
m
Z
h
t
H
$
a
|J
o.
`
{
X
A
m
n
h
_
|g
ß{
d
V
a
U
A
m
`
H
$
m
oC
∫
$
Ï
`
{
∫
$
`
m
|H
$
m
og
r
Y
og
m
¢n
Z
oH
o{
b
E
A
{
Y
H
•$
V
H
$
a
V
oh
¢,
V
~
A
m
n
H
o$
{
Z
X
}e
m
Z
wg
m
a
B
g
‡
H
$
m
a
H
o$
g
ß{
d
V
a
U
H
o$
~
m
X
,
h
_
g
ß{
d
V
a
U
H
$
a
Z
oH
o$
h
_
m
a
oX
m
{À̀
d
g
o_
w∫
$
h
m
oO
m
E
ßJ
o.
∑
{
H
$
g
r
^
r
E
og
r
K
Q
>Z
m
H
o$
K
{
Q
>V
h
m
oZ
on
a
,
O
m
o~
Z
m
B
©J
B
©g
wa
j
m
H
$
m
o{
H
$
g
r
^
r
V
a
h
‡
^
m
{
d
V
H
$
a
oJ
r
,
O
°g
o{
Z
_
m
©U
_
|È
H
$
m
d
Q
>,
{
Z
_
m
©U
_
oß X
oa
r
,
_
wH
$
X
_
o~
m
O
r
,
A
{
Y
J
´h
U
,
‡
m
W
©Z
m
,
‡
Ò
V
m
{
d
V
g
wa
j
m
H
o$
_
yÎ̀
_
|H
$
_
r
,
`
m
{
H
$
g
r
E
og
r
K
Q
>Z
m
H
o$
K
{
Q
>V
h
m
oZ
on
a
O
°g
m
{
H
$
G
$
U
A
Z
w~
ßY
_
|"
"
{
S
µ\
$
m
Î
Q
>H
$
s
K
Q
>Z
m
E
±'
'
e
r
f
©H
$
g
o{
Z̀
V
{
H
$
`
m
J̀
m
h
°,
`
m
{
H
$
g
r
A
›
`
H
$
m
a
U
H
oO
°g
m
{
H
$
~
¢H
$
¤
m
a
m
C
{
M
V
g
_
P
m
O
m
E
,
h
_
A
m
J
oH
$
s
{
H
$
Ò
V
m
|H
o$
g
ß{
d
V
a
U
H
$
m
oa
m
oH
$
Z
oH
o$
{
b
E
Ò
d
V
ßÃ
h
m
|J
o.
∑
G
$
U
H
o$
V
h
V
g
ß{
d
V
a
U
,
G
$
U
H
o$
A
Z
w~
ßY
H
o$
{
Z̀
_
m
|A
m
°a
e
V
m
]H
$
s
n
y{
V
©A
m
°a
A
Z
wn
m
b
Z
H
o$
A
Y
r
Z
A
m
°a
g
^
r
A
›
`
_
m
Z
H
$
‡
b
oI
m
|A
m
°a
A
m
n
H
o$
¤
m
a
m
g
ßn
m
{
X
V
b
oI
Z
H
o‡
Ò
V
wV
H
$
a
Z
on
a
d
O
°g
m
{
H
$
~
¢H
$
¤
m
a
m
{
Z
{
X
©Ô
>h
m
o,
{
H
$
`
m
O
m
E
J
m
.
{
O
Z
_
|{
Z
Â
Z
m
ß{
H
$
V
~
m
V
oß e
m
{
_
b
h
m
|J
r
:
A
.
^
wJ
V
m
Z
Z
H
$
a
Z
oH
$
s
K
Q
>Z
m
Z
V
m
on
yd
©_
|h
˛B
©h
m
o,
Z
h
r
M
b
a
h
r
h
m
o.
m
n
E
H
$
g
m
˙
`
‡
Ò
V
wV
H
$
a
V
oh
¢{
H
$
A
m
n
H
o$
Ò
d̀
ßH
o$
¤
m
a
m
_
m
±J
m
J̀
m
g
ß{
d
V
a
U
C
g
r
C
‘
oÌ
`
H
o$
{
b
E
A
m
d
Ì
H̀
$
h
°{
O
g
H
o$
{
b
E
‡
m
a
ß^
_
|G
$
U
Ò
d
r
H
•$
V
{
H
$
`
m
J̀
m
W
m
.
~
.A
g
.
A
m
d
o{
X
V
g
ß[
d
V
a
U
H
$
og
ß~
ßY
_
|J
´m
h
H
$
¤
m
a
m
g
_
w{
M
V
X
Ò
V
m
d
oO
,
‡
_
m
U
A
m
°a
{
b
I
m
n
T
>r
d
A
›
`
‡
_
m
U
H
$
m
‡
Ò
V
w{
V
H
$
a
U
,
O
m
oB
g
g
ß~
ßY
_
|A
m
d
Ì
H̀
$
h
m
|J
o.
X
.E
og
m
H
$
m
oB
©^
r
_
m
_
b
m
Z
h
˛A
m
h
m
oO
m
oE
M
E
g
~
r
g
r
H
$
s
Z
O
a
_
|H
$
O
©b
oZ
oH
o$
{
b
E
H
$
O
©H
o$
A
Z
w~
ßY
H
o$
V
h
V
d
{
X
E
J
E
A
›
`
_
m
Z
H
$
X
Ò
V
m
d
oO
m
|H
o$
H
$
m
a
U
J
´m
h
H
$
H
o$
{
b
E
A
n
Z
r
{
O
Â
_
oX
m
a
r
{
Z
^
m
Z
oH
$
m
oA
g
ß^
d
H
$
a
V
oh
m
|
A
m
n
h
_
m
a
r
g
ßV
w{
Ô
>H
o$
{
b
E
g
m
˙
`
X
oa
h
oh
¢{
H
$
G
$
U
‡
m
·
H
$
a
Z
oH
o$
{
b
E
A
m
°a
g
wa
j
m
{
Z
_
m
©U
g
{
h
V
G
$
U
‡
m
{
·
g
og
ß~
ß{
Y
V
g
^
r
‡
b
oI
Z
H
o$
A
Z
wn
m
b
Z
H
o$
{
b
E
g
^
r
g
h
_
{
V̀
m
±,
A
Z
w_
m
oX
Z
H
$
.
A
m
°a
A
Z
w_
{
V̀
m
±‡
m
·
H
$
a
b
r
J
B
©h
°ß.
A
m
n
H
$
m
og
ßn
{
Œ
m
H
$
m
oA
m
J
,
^
yH
ß$
n
,
~
m
ãT
>A
m
°a
A
›
`
j
{
V̀
m
|H
o$
{
b
E
{
H
$
g
r
~
r
_
m
H
$
Â
n
Z
r
g
o~
r
{
_
V
H
$
a
m
E
O
m
Z
oH
$
s
µO
Í
$
a
V
h
°O
h
m
±"
X
h
m
ßJ
H
$
m
ßJ
E
ßS
>e
ßK
m
B
©~
¢q
H
$
J
H
$
m
∞n
m
}a
oe
Z
{
b
{
_
Q
>oS
>,
I
.
B
ß{
S
>`
m
'
b
m
^
m
W
u
H
o$
Í
$
n
_
|h
°.
A
m
n
H
$
m
o\
$
mZ̀
|g
a
/
a
oh
Z
X
m
a
H
o$
Í
$
n
_
|E
M
E
g
~
r
g
r
H
o$
n
j
_
|g
_
{
W
©V
g
ßn
{
Œ
m
(
`
m
|)
H
o$
g
ßX
^
©_
|~
r
_
m
n
m
∞{
b
g
r
H
$
s
‡
{
V
‡
Ò
V
wV
H
$
a
Z
oH
$
s
µO
Í
$
a
V
h
°.
∑
g
ß{
d
V
a
U
A
m
n
H
$
m
oM
oH
$
`
m
n
o_
|Q
>E
S
≤>d
m
B
g
,
O
m
o^
r
p
Ò
W
{
V
h
m
o,
C
g
{
V
{
W
H
$
m
oH
$
a
{
X̀
m
J̀
m
g
_
P
m
O
m
E
J
m
,
{
O
g
H
o$
V
h
V
E
og
m
{
d
V
a
U
C
g
{
V
{
W
n
a
‹
`
m
Z
{
X
E
~
J
°a
{
H
$
`
m
O
m
E
J
m
{
O
g
n
a
A
m
n
H
o¤
m
a
m
{
d
V
a
U
‡
m
·
{
H
$
`
m
J̀
m
h
m
oJ
m
.
B
g
{
b
E
,
h
_
m
a
o¤
m
a
m
M
oH
$
/
n
o_
|Q
>E
oS
≤>d
m
B
g
/
^
wJ
V
m
Z
A
m
X
oe
/
Ò
W
m
Z
m
ßV
a
U
,
O
m
o^
r
p
Ò
W
{
V
h
m
o,
C
g
H
$
s
{
V
{
W
g
oG
$
U
n
a
„
`
m
O
E
M
E
g
~
r
g
r
H
o$
n
j
_
|
‡
m
·
h
m
oJ
m
,
B
g
n
a
‹
`
m
Z
{
X
E
~
J
°a
{
H
$
A
m
n
H
o$
¤
m
a
m
B
g
H
o$
n
[
a
J
_
Z
/
g
ßJ
´h
U
/
^
wZ
m
Z
oH
o$
{
b
E
,
{
H
$
V
Z
m
g
_
`
{
b̀
m
J̀
m
.
∑
{
Z
_
m
©U
m
Y
r
Z
g
ßn
{
Œ
m
`
m
|H
$
s
p
Ò
W
{
V̀
m
|_
|,
{
H
$
g
r
^
r
e
V
©H
o$
{
~
Z
m
G
$
U
{
d
V
a
U
H
$
m
{
d
d
oH
$
h
_
m
a
m
h
m
oJ
m
.
h
m
b
m
±{
H
$
,
{
Z
p
Ì
M
V
n
[
a
p
Ò
W
{
V̀
m
|_
|{
d
V
a
U
H
o$
{
b
E
,
E
og
r
g
ßn
{
Œ
m
{
O
g
H
$
m
{
Z
_
m
©U
/
g
wY
m
a
e
wÍ
$
h
m
oM
wH
$
m
h
m
oA
m
°a
A
m
n
h
_
|B
g
H
$
m
‡
b
oI
r
g
m
˙
`
X
oß,
{
g
µ\
©$
C
g
H
o$
~
m
X
h
_
h
_
m
a
o{
d
d
oH
$
m
{
Y
H
$
m
a
H
$
m
‡
`
m
oJ
H
$
a
g
H
$
V
oh
¢.
h
_
g
ß{
d
V
a
U
h
_
m
a
oA
m
ßV
[
a
H
$
_
m
Z
X
ßS
>m
|A
m
°a
{
X
e
m
{
Z
X
}e
m
|H
o$
g
ßX
^
©_
|H
$
m
`
©H
$
s
‡
J
{
V
A
Z
wg
m
a
M
a
U
m
|_
|H
$
a
|J
o.
{
d
H
$
m
g
H
$
a
Z
od
m
b
o/
g
_
W
©H
$
/
{
Z
_
m
©V
m
¤
m
a
m
A
m
n
H
$
m
og
ßn
{
Œ
m
H
o$
{
Z
_
m
©U
/
H
$
„
O
m
X
oZ
o/
n
ya
m
H
$
a
Z
o_
|h
˛B
©X
oa
r
H
o$
{
b
E
`
m
g
ßn
{
Œ
m
H
$
s
J
wU
d
Œ
m
m
,
p
Ò
W
{
V
,
A
Z
wH
y$
b
V
m
H
o$
{
b
E
A
m
n
h
_
|{
µO
Â
_
oX
m
a
Z
h
t
R
>h
a
m
E
ßJ
o,
h̀
m
±V
H
$
{
H
$
`
{
X
h
_
Z
oE
og
oS
>od
b
n
a
/
‡
_
m
oQ
>a
/
{
~
Î
S
>a
/
{
d
H
$
m
g
‡
m
{
Y
H
$
a
U
H
o$
{
b
E
H
$
m
oB
©g
w{
d
Y
m
A
Z
w_
m
o{
X
V
/
Ò
d
r
H
•$
V
H
$
s
h
m
o
`
m
h
_
Z
oE
og
o‡
_
m
oQ
>a
/
{
~
Î
S
>a
/
{
d
H
$
m
g
‡
m
{
Y
H
$
a
U
H
o$
~
m
a
o_
|A
m
n
H
$
m
oH
$
m
oB
©O
m
Z
H
$
m
a
r
X
r
h
m
o.
E
H
$
{
Z
_
m
©U
m
Y
r
Z
g
ßn
{
Œ
m
H
o$
{
b
E
G
$
U
C
n
b
„
Y
H
$
a
m
Z
oH
$
s
p
Ò
W
{
V
_
|O
°g
r
A
m
d
Ì
H̀
$
V
m
h
m
o,
A
m
n
H
$
m
o
S
>od
b
n
_
|Q
>E
W
m
∞[
a
Q
>r
H
$
m
o{
H
$
g
r
g
w{
d
Y
m
H
o$
~
oa
o_
|_
m
›
V̀
m
/
Ò
d
r
H
•$
{
V
X
r
h
m
o.
J
´m
h
H
$
H
$
m
o{
Z
_
m
©U
m
Y
r
Z
g
ßn
{
Œ
m
n
a
{
b
E
J
E
H
$
O
©H
o$
g
ß~
ßY
_
|A
n
Z
r
B
g
H
og
^
r
X
m
{À̀
d
m
|H
$
m
n
m
b
Z
H
$
a
Z
m
h
m
oJ
m
.
g
^
r
‡
H
$
m
a
H
$
s
{
O
Â
_
oX
m
a
r{
Z
^
m
Z
r
h
m
oJ
r
.
3
.
r
h
s
f
Z
d
p
V
°$i
f
s
p
°
∑
A
d
°b
p
Ñ^
L
$p
d
l
°W
$m
_
u
L
°$A
d
p
f
u
A
p
Ñs
q
f
L
$_
u
r
s
_
°ı
h
u
L
$p
e
ÆA
d
yL
$h
j
p
£d
p
V
°$k
h
Æk
Ñb
Ñ^
d
p
ÑL
°$l
e
p
s
`
|Z
Ær
d
g
L
$s
_
°A
p
^
p
f
° p̀
°s
p
_
u
d
f
∆
A
°A
°L
$k
p
d
V
$u
L
°$l
‡
s
p
d
p
Ñg
p
°_
_
yÑ ‚
d
p
Z
r
h
s
f
Z
L
$f
u
i
L
°$R
>
°.
∑
A
d
°q
L
$ı
k
p
A
_
yk
p
f
A
_
°A
d
_
°v
$f
°L
$r
h
s
f
Z
k
d
e
°N
∞p
l
L
$‹
p
f
p
L
$f
p
e
°g
u
r
h
_
Ñs
u
/
r
_
v
£$i
/
k
|Q
_
p
d
yS
>
b
r
b
Î
X
$f
/
h
°Q
p
Z
L
$s
p
Æ/
k
p
°k
p
e
V
$u
_
°
k
u
^
u
f
L
$d
_
yÑ r
h
s
f
Z
L
$f
h
p
_
u
A
p
T
p
v
$u
^
f
p
h
u
A
°R
>
°.
A
d
°N
∞p
l
L
$‹
p
f
p
A
p
h
u
r
h
_
Ñs
u
/
r
_
v
£$i
/
k
|Q
_
p
A
p
h̀
p
d
p
ÑL
$p
°C
Z̀
f
u
s
°L
$p
°C
Z̀
r
h
g
Ñb
\
p
e
s
°d
p
V
°$S
>
h
p
b
v
$p
f
_
l
]
f
l
u
A
°A
_
°A
p
h
p
°r
h
g
Ñb
N
∞p
l
L
$‹
p
f
p
\
p
e
s
p
°A
d
p
f
p
‹
p
f
p
r
b
_
r
h
s
f
Z
k
Ñb
Ñ^
d
p
ÑL
$p
°C
Z̀
M
Q
Æ,
v
$f
A
_
°c
f
p̀
C
d
p
V
°$
N
∞p
l
L
$v
$p
h
p
°_
l
]
L
$f
u
i
L
$p
i
°.
≈
°N
∞p
l
L
$A
d
_
°A
N
p
E
S
>
Z
p
h
°g
Ï
e
[
º
s
A
p
°_
°k
u
^
yÑ S
>r
h
s
f
Z
L
$f
h
p
_
u
k
—
p
A
p
`
°s
p
°A
p
h
yÑ r
h
s
f
Z
N
∞p
l
L
$_
u
k
|Q
_
p
A
_
yk
p
f
L
$f
p
i
°.
A
d
°r
h
s
f
Z
L
$f
h
p
d
p
V
°$ p̀
°s
p
_
p
D
—
f
v
$p
r
e
–
h
d
p
Ña
f
S
>
Q
|L
$_
l
]
L
$f
u
A
°.
∑
A
d
°b
p
Ñ^
L
$p
d
A
V
$L
$u
≈
e
,
b
p
Ñ^
L
$p
d
d
p
Ñr
h
g
Ñb
\
p
e
,
r
g
q
V
$N
°i
_
,
l
ı
s
p
Ñs
f
Z
,
f
°[
º
h
r
T
i
_
,
A
p
°a
f
L
$f
p
e
°g
u
k
g
p
d
s
u
_
p
d
|Î
e
d
p
ÑO
V
$p
X
$p
°,
"
C
h
°fi
V
π$k
A
p
°a
q
X
$a
p
°Î
V
$'
r
i
j
ÆL
$l
°W
$m
g
p
°_
L
$f
p
f
d
p
ÑS
>
Z
p
Ï
e
p
d
yS
>
b
L
$p
°C
Z̀
O
V
$_
p
b
_
°A
\
h
p
A
d
_
°e
p
°¡
e
g
p
N
°s
°L
$p
°C
Z̀
A
fi
e
L
$p
f
Z
d
p
V
°$L
$p
°C
Z̀
f
u
s
°
r
_
r
d
Æs
r
k
º
e
yq
f
V
$u
_
°A
k
f
L
$f
_
p
f
u
L
$p
°C
Z̀
O
V
$_
p
b
_
°s
p
°A
p
N
p
d
u
l
‡
s
p
_
yÑ r
h
s
f
Z
A
V
$L
$p
h
h
p
d
p
V
°$d
yº
s
R
>
u
A
°.
∑
g
p
°_
l
°W
$m
r
h
s
f
Z
g
p
°_
d
p
V
°$L
$f
p
f
_
uq̀
f
`
|Z
Æs
p
A
_
°`
|s
Æs
p
A
_
°A
fi
e
s
d
p
d
‚
d
p
Z
c
|s
v
$ı
s
p
h
°≈
°A
_
°N
∞p
l
L
$‹
p
f
p
A
d
g
L
$f
p
e
°g
yÑ g
M
p
Z
A
_
°
A
d
p
f
p
‹
p
f
p
r
_
^
p
Æq
f
s
d
yS
>
b
r
_
Á
_
r
g
r
M
s
k
r
l
s
_
°A
p
^
u
_
f
l
°i
°:
A
°.
q
X
$a
p
°Î
V
$_
u
L
$p
°C
O
V
$_
p
D
v
$c
h
u
_
\
u
L
°$A
[
ı
s
–
h
d
p
Ñ_
\
u
.
b
u
.
s
d
p
f
°A
°`
yf
p
h
p
°A
p
h̀
p
_
p
°A
p
h
Ì
e
L
$f
l
°i
°L
°$g
p
°_
A
p
f
Ñc
d
p
Ñd
ÑS
|>
f
L
$f
p
C
l
s
u
s
°l
°s
yd
p
V
°$s
d
p
f
p
‹
p
f
p
g
p
°_
r
h
s
f
Z
L
$f
h
p
_
u
r
h
_
Ñs
u
L
$f
p
C
l
s
u
.
k
u
.
N
∞p
l
L
$r
h
_
Ñs
u
L
$f
°g
p
r
h
s
f
Z
k
p
\
°k
Ñb
Ñ^
d
p
ÑA
p
h
Ì
e
L
$d
yS
>
b
A
p
h
p
v
$ı
s
p
h
°≈
°,
`
yf
p
h
p
A
_
°g
°r
M
s
d
p
ÑA
p
`
°.
X
$u
.
A
°h
p
L
$p
°C
k
Ñ≈
°N
p
°D
v
$c
Ï
e
p
_
\
u
S
>
°A
°Q
A
°k
b
u
k
u
_
p
A
r
c
‚
p
e
d
p
Ñg
p
°_
d
p
V
°$L
$f
p
f
A
_
yk
p
f
A
d
g
L
$f
p
e
°g
p
v
$ı
s
p
h
°≈
°l
°W
$m
A
_
°g
p
°_
g
°h
p
d
p
V
°$
N
∞p
l
L
$‹
p
f
p
A
d
g
L
$f
p
e
°g
p
A
fi
e
‚
d
p
Z
k
f
v
$ı
s
p
h
°≈
°l
°W
$m
S
>
h
p
b
v
$p
f
uq̀
f
`
|Z
ÆL
$f
h
p
N
∞p
l
L
$d
p
V
°$s
°A
i
º
e
b
_
°.
C
.
N
∞p
l
L
$A
d
p
f
p
k
Ñs
p
°j
d
p
Ñ`
yf
p
h
p
° À
p
e
L
°$g
p
°_
g
°h
p
d
p
V
°$A
p
h
Ì
e
L
$k
h
Æk
Ñd
r
s
A
p
°,
d
ÑS
|>
f
u
A
p
°A
_
° f̀
h
p
_
N
u
A
p
°A
_
°r
k
º
e
yq
f
V
$u
r
_
d
p
ÆZ
L
$f
h
p
k
r
l
s
g
p
°_
g
°h
p
k
Ñb
Ñ^
u
k
h
Æv
$ı
s
p
h
°∆
L
$f
Z
_
yÑ p̀
g
_
L
$f
p
e
yÑ R
>
°s
°k
Ñ`
|Z
ÆR
>
°.
A
°a
.
N
∞p
l
L
°$A
p
N
,
^
f
s
u
L
Ñ$ ,̀
`
|f
A
_
°A
fi
e
l
p
r
_
A
p
°‹
p
f
p
_
yL
$k
p
_
k
p
d
°h
u
d
p
L
Ñ$`
_
up̀
k
°r
d
g
L
$s
_
p
°h
u
d
p
°L
$Y
$p
h
h
p
_
p
°f
l
°i
°,
S
>
°d
p
Ñ^
l
p
¢N
L
$p
¢N
A
°fi
X
$
i
p
ÑO
p
C
b
°[
fi
L
Ñ$N
L
$p
° p̀
£f
°i
_
r
g
r
d
V
°$X
$,
C
q
fi
X
$e
p
g
p
c
p
\
}
f
l
°i
°.
N
∞p
l
L
°$a
p
C
_
p
fi
k
f
/
r
N
f
p
°f
p
M
_
p
f
s
f
u
L
°$A
°Q
A
°k
b
u
k
u
_
u
s
f
a
°Z
d
p
ÑA
°fi
X
$p
°k
ÆL
$f
°g
u
r
d
g
L
$s
(
s
p
°)
k
Ñb
Ñ^
d
p
Ñh
u
d
p
e
p
°S
>
_
p
_
u
_
L
$g
A
p
h̀
p
_
u
f
l
°i
°.
∑
s
d
p
f
p
‹
p
f
p
r
h
s
f
Z
_
u
‚
p
r
‡
s
_
u
s
p
f
u
M
N
d
°s
°l
p
°e
s
p
°e
A
p
h
p
r
h
s
f
Z
l
°W
$m
,
S
>
° Z̀
q
L
$ı
k
p
°l
p
°e
s
°d
yS
>
b
,
Q
°L
$L
°$`
°d
°fi
V
$A
°X
$h
p
C
k
_
u
s
p
f
u
M
_
p
f
p
°S
>
s
d
_
°r
h
s
f
Z
‚
p
‡
s
\
e
yÑ R
>
°A
°h
yÑ k
d
∆
g
°h
p
i
°.
A
p
\
u
V
≤$p
[
fi
T
V
$/
L
$g
°L
$i
_
/
‚
p
r
‡
s
d
p
V
°$s
d
p
f
p
‹
p
f
p
N
d
°s
°V
$g
p
°k
d
e
g
°h
p
e
s
p
°e
,
q
L
$ı
k
p
d
yS
>
b
,
A
d
p
f
p
‹
p
f
p
Q
°L
$/
`
°d
°fi
V
$A
°X
$h
p
C
k
/
`
°A
p
°X
Æ$f
/
V
≤$p
fi
k
a
f
_
u
s
p
f
u
M
\
u
A
°Q
A
°k
b
u
k
u
_
u
s
f
a
°Z
d
p
Ñg
p
°_
f̀
Ï
e
p
S
>D̀
p
r
S
>
Æs
\
i
°.
∑
b
p
Ñ^
L
$p
d
l
°W
$m
_
u
r
d
g
L
$s
p
°_
p
q
L
$ı
k
p
d
p
ÑA
d
°L
$p
°C
Z̀
i
f
s
p
°r
h
_
p
g
p
°_
r
h
s
f
Z
L
$f
h
p
_
u
d
y_
k
a
u
^
f
p
h
u
A
°R
>
u
A
°.
≈
°L
°$A
d
°A
d
yL
$k
Ñ≈
°N
p
°d
p
ÑA
p
h
u
r
d
g
L
$s
_
yÑ b
p
Ñ^
L
$p
d
/
k
y^
p
f
Z
p
_
yÑ L
$p
d
i
Í
$\
e
pR̀
>
u
S
>A
_
°N
∞p
l
L
$A
d
_
°v
$ı
s
p
h
°∆
`
yf
p
h
p
A
p
`
° R̀
>
u
S
>A
d
yL
$k
Ñ≈
°N
p
°d
p
Ñr
h
s
f
Z
p̀
°s
p
_
u
d
f
∆
A
°
L
$f
u
i
L
$u
A
°R
>
u
A
°.
A
d
p
f
p
ÑA
p
Ñs
q
f
L
$^
p
°f
Z
p
°A
_
°d
p
N
Æv
$r
i
ÆL
$p
_
u
◊
r
Ù
$A
°L
$p
d
_
u
‚
N
r
s
A
_
yk
p
f
s
b
Ω
$p
h
p
f
r
h
s
f
Z
L
$f
p
i
°.
N
∞p
l
L
$s
°_
°X
°$h
g̀
f
/
r
b
Î
X
$f
/
k
p
°k
p
e
V
$u
‹
p
f
p
r
d
g
L
$s
_
yÑ b
p
Ñ^
L
$p
d
/
L
$b
≈
°A
p
h̀
p
d
p
Ñ/
`
|Z
ÆL
$f
h
p
d
p
ÑL
$p
°C
Z̀
r
h
g
Ñb
\
p
e
A
\
h
p
r
d
g
L
$s
_
u
N
yZ
h
—
p
,
[
ı
\
r
s
,
d
S
>
b
|s
u
d
p
V
°$A
p
h
p
X
°$h
g̀
f
/
‚
d
p
°V
$f
/
r
b
Î
X
$f
/
X
°$h
g̀
d
°fi
V
$k
—
p
_
°L
$p
°C
Z̀
k
yr
h
^
p
A
p
°_
°d
ÑS
|>
f
u
/
f̀
h
p
_
N
u
A
d
°A
p
ù
l
p
°e
A
\
h
p
A
p
h
p
X
°$h
g̀
f
/
‚
d
p
°V
$f
/
r
b
Î
X
$f
/
X
°$h
g̀
d
°fi
V
$k
—
p
r
h
i
°N
∞p
l
L
$_
°L
$p
°C
Z̀
d
p
r
l
s
u
A
p
ù
l
i
°s
° R̀
>
u
L
$p
°C
Z̀
r
h
g
Ñb
d
p
V
°$A
d
_
°S
>
h
p
b
v
$p
f
^
f
u
_
l
]
i
L
$p
i
°.
N
∞p
l
L
°$
b
p
Ñ^
L
$p
d
l
°W
$m
_
u
r
d
g
L
$s
d
p
V
°$g
p
°_
g
°h
p
_
p
q
L
$ı
k
p
d
p
ÑA
p
h
Ì
e
L
$d
yS
>
b
s
°_
u
s
d
p
d
S
>
h
p
b
v
$p
f
u
A
p
°_
°b
Ñ^
p
e
°g
p
f
l
°h
yÑ X̀
$i
°.
4. Loan Disbursement
Your pre-approval expires after 120 days post which a fresh pre-approval will have to be sought. The pre-approval may be
kept open at the Bank's sole discretion. We may at our sole discretion recall the loan offer/pre-approval at any point of time.
4
.G
$
U
{
d
V
a
U
A
m
n
H
$
m
n
yd
©A
Z
w_
m
oX
Z
1
2
0
{
X
Z
m
|~
m
X
g
_
m
·
h
m
oO
m
V
m
h
°{
O
g
H
o$
~
m
X
E
H
$
Z
E
n
yd
©A
Z
w_
m
oX
Z
H
$
s
A
m
d
Ì
H̀
$
V
m
h
m
oJ
r
.
~
¢H
$
H
o$
Ò
d̀
ßH
o$
{
d
d
oH
$
n
a
n
yd
©A
Z
w_
m
oX
Z
H
$
m
oM
m
b
ya
I
m
O
m
g
H
$
V
m
h
°.
{
H
$
g
r
^
r
g
_
`
h
_
A
n
Z
oÒ
d̀
ßH
o$
{
d
d
oH
$
m
{
Y
H
$
m
a
n
a
G
$
U
‡
Ò
V
m
d
/
n
yd
©A
Z
w_
m
oX
Z
H
$
m
od
m
n
g
b
og
H
$
V
oh
¢.
4
.
g
p
°_
_
yÑ r
h
s
f
Z
g
p
°_
_
u
f
L
$d
`
|h
Æd
ÑS
|>
f
u
_
u
s
p
f
u
M
\
u
1
2
0
q
v
$h
k
d
p
Ñ D̀
g
Â
^
\
h
u
≈
°C
A
°.
g
p
°_
_
u
d
ÑS
|>
f
u
b
°fi
L
$_
u
A
°L
$d
°h
d
f
∆
A
°M
yÎ
g
u
f
M
p
C
i
L
°$R
>
°.
A
d
°A
d
p
f
u
A
°L
$d
°h
d
f
∆
A
°L
$p
°C
Z̀
k
d
e
°g
p
°_
_
u
A
p
°a
f
/
`
|h
Æd
ÑS
|>
f
uf̀
s
M
¢Q
u
i
L
$u
A
°R
>
u
A
°.
5. Repayment
• You need to repay the loan in monthly instalments on the due date as mentioned in the Facility Advice Letter. You are required to
repay the loan EMI through Standing Instruction from your HSBC account/letter of authority to debit your HSBC account
• Your instalment amount would comprise of principal and interest, that are payable in EMIs as set out in the loan agreement/
Facility Advice Letter
• You would be required to pay outstanding balance, if any, pertaining to his loan account (after payment of all instalments) on the
last EMI date as notified by us
• You would be required to pay the instalments, irrespective of you utilising any of the loan funds disbursed by HSBC from the loan
account as per the disbursal advice signed by yourselves
• You need to ensure that the repayment instrument/instruction is honoured
Accordingly, you must ensure that:
a. Sufficient funds are available in the designated account to be debited.
b. You do not cancel/put stop payment on the cheques/instruments given towards the loan agreement.
c. You do not cancel or vary payment arrangement/Standing Instructions (unless required by us) given towards the loan repayment.
d. You do not close or change the account on which repayment instrument is drawn (unless you make an alternate
arrangement for the repayment as agreeable to us).
• If you do not pay the instalment on or before the relevant due date; the outstanding loan amount and all accrued interest
would become immediately due and payable. You would also be liable to pay the fee as set out in the Tariff Sheet.
5
.n
wZ
^
©wJ
V
m
Z
∑
A
m
n
H
$
m
og
w{
d
Y
m
n
a
m
_
e
©n
Ã
_
|C
Î
b
o{
I
V
{
Z̀
V
{
V
{
W
n
a
_
m
{
g
H
$
{
H
$
Ò
V
m
|_
|G
$
U
H
$
m
n
wZ
^
©wJ
V
m
Z
H
$
a
Z
oH
$
s
A
m
d
Ì
H̀
$
V
m
h
m
oV
r
h
°o.
A
m
n
H
$
m
oA
m
n
H
o$
E
M
E
g
~
r
g
r
I
m
V
og
oÒ
W
m
`
r
{
Z
X
}e
/
A
m
n
H
o$
E
M
E
g
~
r
g
r
I
m
V
og
oa
m
{
e
{
Z
H
$
m
b
Z
oH
o$
{
b
E
‡
m
{
Y
H
$
a
U
n
Ã
H
o$
_
m
‹
`
_
g
oG
$
U
B
©E
_
A
m
B
©H
on
wZ
^
w©J
V
m
Z
H
$
s
A
m
d
Ì
H̀
$
V
m
h
m
oV
r
h
°
∑
A
m
n
H
$
s
{
H
$
Ò
V
H
$
s
a
m
{
e
_
|_
yb
Y
Z
H
o$
g
m
W
„
`
m
O
^
r
h
m
oJ
m
,
O
m
o{
H
$
B
©E
_
A
m
B
©_
|X
o`
h
¢O
°g
m
{
H
$
G
$
U
A
Z
w~
ßY
/
g
w{
d
Y
m
n
a
m
_
e
©n
Ã
_
|{
Z
p
Ì
M
V
{
H
$
`
m
J̀
m
h
°.
∑
O
°g
m
{
H
$
h
_
m
a
o¤
m
a
m
g
y{
M
V
{
H
$
`
m
J̀
m
h
°,
A
ß{
V
_
B
©E
_
A
m
B
©{
V
{
W
n
a
`
{
X
C
g
H
o$
G
$
U
I
m
V
og
og
ß~
ß{
Y
V
H
$
m
oB
©~
H
$
m
`
m
a
m
{
e
h
m
o(
g
^
r
{
H
$
Ì
V
m
|H
o$
^
wJ
V
m
Z
H
o$
~
m
X
)
,
V
m
oA
m
n
H
$
m
oC
g
H
$
m
^
wJ
V
m
Z
H
$
a
Z
oH
$
s
A
m
d
Ì
H̀
$
V
m
h
m
oJ
r
.
∑
A
m
n
H
$
m
o{
H
$
Ì
V
m
|H
$
m
^
wJ
V
m
Z
H
$
a
Z
oH
$
s
A
m
d
Ì
H̀
$
V
m
h
m
oJ
r
,
B
g
~
m
V
n
a
‹
`
m
Z
{
X
E
~
J
°a
{
H
$
A
m
n
H
o$
¤
m
a
m
h
Ò
V
m
j
[
a
V
{
d
V
a
U
g
yM
Z
m
H
o$
A
Z
wg
m
a
A
m
n
G
$
U
I
m
V
og
oE
M
E
g
~
r
g
r
¤
m
a
m
g
ß{
d
V
[
a
V
{
H
$
g
r
G
$
U
a
m
{
e
H
$
m
C
ǹ
m
oJ
H
$
a
a
h
oh
¢.
∑
A
m
n
H
$
m
o h̀
g
w{
Z
p
Ì
M
V
H
$
a
Z
oH
$
s
µO
Í
$
a
V
h
°{
H
$
n
wZ
^
w©J
V
m
Z
C
n
H
$
a
U
/
A
Z
wX
oe
H
$
m
A
m
X
a
h
m
oa
h
m
h
°.
V
X
≤Z
wg
m
a
,
A
m
n
H
$
m
og
w{
Z
p
Ì
M
V
H
$
a
Z
m
M
m
{
h
E
{
H
$
:
E
.
am
{
e
{
Z
H
$
m
b
oO
m
Z
od
m
b
oZ
m
{
_
V
I
m
V
o_
| ǹ
m
©·
Y
Z
a
m
{
e
C
n
b
„
Y
h
°.
~
r
.G
$
U
A
Z
w~
ßY
H
o$
{
b
E
{
X
E
J
E
M
oH
$
/
g
m
Y
Z
A
m
n
{
Z
a
Ò
V
Z
h
t
H
$
a
V
o/
C
Z
H
o$
^
wJ
V
m
Z
n
a
a
m
oH
$
Z
h
t
b
J
m
V
o.
g
r
.G
$
U
n
wZ
^
w©J
V
m
Z
H
o$
{
b
E
A
m
n
^
wJ
V
m
Z
Ï
d̀
Ò
W
m
/
Ò
W
m
`
r
{
Z
X
}e
m
|(
`
{
X
h
_
m
a
o¤
m
a
m
A
m
d
Ì
H̀
$
Z
h
m
o)
H
$
m
o{
Z
a
Ò
V
`
m
n
{
a
d
{
V
©V
Z
h
t
H
$
a
V
oh
¢.
S
>r
.A
m
n
C
g
I
m
V
oH
$
m
o~
ßX
`
m
n
[
a
d
{
V
©V
Z
h
t
H
$
a
V
oh
¢,
{
O
g
n
a
n
wZ
^
w©J
V
m
Z
g
m
Y
Z
X
o`
h
¢(
`
{
X
A
m
n
n
wZ
^
w©J
V
m
Z
H
o$
{
b
E
E
H
$
d
°H
$
p
Î
n
H
$
Ï
d̀
Ò
W
m
Z
h
t
H
$
a
V
oO
m
oh
_
m
a
o{
b
E
Ò
d
r
H
$
m
`
©h
°)
.
∑
`
{
X
A
m
n
‡
m
g
ß{
J
H
$
{
Z̀
V
{
V
{
W
n
a
`
m
C
g
g
on
h
b
o{
H
$
Ò
V
m
|H
$
m
^
wJ
V
m
Z
Z
h
r
ßH
$
a
V
oh
¢;
~
H
$
m
`
m
G
$
U
a
m
{
e
A
m
°a
g
^
r
A
{
O
©V
„
`
m
O
V
wa
ßV
e
of
A
m
°a
X
o`
~
Z
O
m
E
J
r
.
A
m
n
^
r
e
wÎ
H
$
H
$
m
^
wJ
V
m
Z
H
$
a
Z
oH
o$
{
b
E
C
Œ
m
a
X
m
`
r
h
m
|J
oO
°g
m
{
H
$
Q
>°[
a
\
$
n
Ã
H
$
_
|{
Z
Y
m
©[
a
V
{
H
$
`
m
J̀
m
h
°.
5
.
`
y_
:
Q
yL
$h
Z
u
∑
s
d
p
d
g
p
°_
k
yr
h
^
p
k
g
p
l
`
”
d
p
ÑD
Î
g
°M
d
yS
>
b
_
Ω
$u
L
$f
°g
s
p
f
u
M
_
p
f
p
°S
>d
p
r
k
L
$l
‡
s
p
A
p
°d
p
Ñ`
y_
:
Q
yL
$h
Z
u
L
$f
h
p
_
yÑ S
>
Í
$f
u
R
>
°A
_
°g
p
°_
C
A
°d
A
p
C
_
u
`
y_
:
Q
yL
$h
Z
u
A
°Q
A
°k
b
u
k
u
M
p
s
p
d
p
Ñ\
u
ı
\
p
e
u
k
|Q
_
p
/
A
°Q
A
°k
b
u
k
u
_
p
M
p
s
p
d
p
Ñ\
u
L
$p
ù
g
°h
p
_
u
k
—
p
A
p
s̀
p
`
”
d
p
f
a
s
a
f
q
S
>
e
p
s
R
>
°.
∑
l
‡
s
p
_
u
f
L
$d
d
p
Ñd
|m
f
L
$d
A
_
°Ï
e
p
S
>
_
p
°k
d
p
h
°i
f
l
°i
°,
S
>
°g
p
°_
L
$f
p
f
/
k
yr
h
^
p
k
g
p
l
`
”
d
p
ÑA
p
‡
e
p
d
yS
>
b
C
A
°d
A
p
C
d
p
ÑQ
|L
$h
h
p
_
p
Ñf
l
°i
°.
∑
N
∞p
l
L
°$A
d
p
f
p
‹
p
f
p
≈
Z
L
$e
p
Æd
yS
>
b
R
>
°Î
g
u
C
A
°d
A
p
C
_
u
s
p
f
u
M
_
p
f
p
°S
>s
°_
p
g
p
°_
M
p
s
p
(
s
d
p
d
l
‡
s
p
Q
|L
$h
u
v
$u
^
pR̀
>
u
)
k
Ñb
Ñ^
d
p
Ñ≈
°L
$p
°C
l
p
°e
s
p
°
b
p
L
$u
f
L
$d
Q
|L
$h
h
u
A
p
h
Ì
e
L
$R
>
°.
∑
N
∞p
l
L
°$s
°_
p
‹
p
f
p
k
l
u
L
$f
°g
u
r
h
s
f
Z
f̀
Q
u
f
k
u
v
$A
_
yk
p
f
g
p
°_
M
p
s
p
d
p
Ñ\
u
A
°Q
A
°k
b
u
k
u
‹
p
f
p
r
h
s
f
Z
d
yS
>
b
s
°/
s
°Z
u
L
$p
°C
Z̀
g
p
°_
a
ÑX
$_
p
°
D̀
e
p
°N
L
$f
°L
°$_
l
u
ÑL
$f
°s
p
° Z̀
l
‡
s
p
A
p
°Q
|L
$h
h
p
A
p
h
Ì
e
L
$f
l
°i
°.
∑
N
∞p
l
L
°$`
y_
:
Q
yL
$h
Z
u
k
p
^
_
/
k
|Q
_
p
_
yÑ p̀
g
_
\
p
e
s
°_
u
M
p
s
f
u
f
p
M
h
yÑ S
>
Í
$f
u
R
>
°.
N
∞p
l
L
°$_
u
Q
°d
yS
>
b
s
L
°$v
$p
f
u
f
p
M
h
u
≈
°C
A
°:
r
_
e
yº
s
M
p
s
p
d
p
Ñ\
u
L
$p
ù
g
°h
p
d
p
V
°$`
|f
s
yÑ c
ÑX
$p
°m
D̀
g
Â
^
l
p
°e
.
A
°.
s
d
°g
p
°_
L
$f
p
f
d
p
ÑA
p
`
°g
p
Q
°L
$/ k
p
^
_
p
° f̀
Q
yL
$h
Z
u
f
v
$L
$f
p
°/A
V
$L
$p
h
p
°A
°h
u
k
|Q
_
p
_
l
u
ÑA
p
ù
i
L
$p
°.
b
u
.
s
d
°g
p
°_
_
u
`
y_
:
Q
yL
$h
Z
u
k
p
d
°A
p
`
°g
u
Q
yL
$h
Z
u
_
u
Ï
e
h
ı
\
p
/ı
\
p
e
u
k
|Q
_
p
A
p
°(
r
k
h
p
e
L
°$A
°Q
A
°k
b
u
k
u
‹
p
f
p
A
p
h
Ì
e
L
$l
p
°e
)
f
v
$L
°$b
v
$g
u
k
u
.
_
l
]
L
$f
u
i
L
p
°.
s
d
°`
y_
:
Q
yL
$h
Z
u
k
p
^
_
S
>
°M
p
s
p
_
°_
p
d
°l
p
°e
(
r
k
h
p
e
L
°$s
°/ s
°Z
u
A
°Q
A
°k
b
u
k
u
‹
p
f
p
k
Ñd
r
s
d
yS
>
b
`
y_
:
Q
yL
$h
Z
u
d
p
V
°$h
•L
$[
Î
L̀
$Ï
e
h
ı
\
p
`
_
X
$u
.
L
$f
°)
s
°M
p
s
yÑ b
Ñ^
L
°$b
v
$g
u
_
l
]
L
$f
u
i
L
$p
°.
∑
≈
°N
∞p
l
L
$k
yk
ÑN
s
_
L
L
u
L
$f
°g
s
p
f
u
M
_
p
f
p
°S
>A
\
h
p
`
|h
°Æ l
‡
s
p
°_
l
]
Q
|L
$h
°s
p
°b
p
L
$u
g
p
°_
_
u
f
L
$d
A
_
°s
d
p
d
D̀
p
q
S
>
Æs
Ï
e
p
S
>s
p
–
L
$p
r
g
L
$g
°œ
ÑA
_
°
Q
|L
$h
h
p
p̀
”
b
_
u
S
>
i
°.
N
∞p
l
L
$V
°$q
f
a
`
”
L
$d
p
ÑA
p
‡
e
p
d
yS
>
b
a
u
Q
|L
$h
h
p
d
p
V
°$ Z̀
S
>
h
p
b
v
$p
f
f
l
°i
°.
6. Default
• In the event of default (i.e. if the amount due is not paid by the due date or breach of any clause of the agreement), you will
be sent reminders from time to time for payment of any outstanding on your loan account, by post, fax, telephone, e-mail,
SMS messaging and/or through third parties appointed for collection purposes to remind, follow-up and collect dues. Any
third party so appointed, shall adhere to the Indian Banks Association's (IBA) code of conduct on debt collection
• We will follow a defined process in accordance with our guidelines for recovery of dues. The process will involve sending
you reminders via notice or by making personal visits and/or repossession of security. Our collection policy is built on fair
treatment and persuasion
• As per Reserve Bank of India guidelines, we provide credit information relating to any customer who has availed of a
credit facility, to the Credit Information Bureau (India) Limited (CIBIL) or any other licenced bureau on a monthly basis. The
information provided reflects the status as at the previous month-end and includes information regarding whether the loan
account is regular or delinquent. In the event a loan account is delinquent as of the date of such reporting and the account
is subsequently regularised, the status of the account will only be updated prospectively, at the time of the next monthly
reporting. As per CIBIL, all changes in your status are updated within a maximum of 30 days. To avoid any adverse credit
history with CIBIL, you should ensure that timely payment of the amount due on the loan amount is duly made
6
.{
S
>µ\
$
m
∞Î
Q
∑
{
S
>µ\
$
m
∞Î
Q
>(
`
m
Z
r
`
{
X
X
o`
a
m
{
e
H
$
m
{
Z̀
V
{
V
{
W
V
H
$
^
wJ
V
m
Z
Z
h
t
{
H
$
`
m
O
m
V
m
h
°`
m
A
Z
w~
ßY
H
o$
{
H
$
g
r
I
ßS
>H
$
m
C
Î
b
ßK
Z
h
m
oV
m
h
°)
H
$
s
p
Ò
W
{
V
_
|,
A
m
n
H
$
m
oA
m
n
H
o$
G
$
U
I
m
V
on
a
{
H
$
g
r
^
r
~
H
$
m
`
m
H
o$
^
wJ
V
m
Z
H
o$
{
b
E
g
_
-̀
g
_
`
n
a
S
>m
H
$
,
\
°ä g
,
Q
>ob
r
\
$
m
oZ
,
B
©_
ob
,
E
g
E
_
E
g
g
ßX
oe
m
|A
m
°a
/̀
m
g
ßJ
´h
U
H
o$
C
‘
oÌ
`
g
oÒ
_
a
U
H
$
a
m
Z
o,
A
Z
wd
V
©Z
A
m
°a
~
H
$
m
`
m
H
o$
g
ßJ
´h
U
H
o$
{
b
E
{
Z̀
w∫
$
V
r
g
a
on
j
H
o$
¤
m
a
m
Ò
_
a
U
g
ßX
oe
^
oO
oO
m
E
±J
o.
B
g
H
o$
{
b
E
{
Z̀
w∫
$
H
$
m
oB
©^
r
V
r
g
a
m
n
j
,
G
$
U
d
g
yb
r
n
a
^
m
a
V
r
`
~
¢H
$
g
ßK
(
A
m
B
©~
r
E
)
H
$
s
A
m
M
m
a
g
ß{
h
V
m
H
$
m
n
m
b
Z
H
$
a
oJ
m
.
∑
h
_
~
H
$
m
`
m
H
$
s
d
g
yb
r
H
o$
{
b
E
h
_
m
a
o{
X
e
m
{
Z
X
o©e
m
|H
o$
A
Z
wg
m
a
E
H
$
n
[
a
^
m
{
f
V
‡
{
H
´$
`
m
H
$
m
n
m
b
Z
H
$
a
|J
o.
B
g
‡
{
H
´$
`
m
_
|A
m
n
H
$
m
oZ
m
o{
Q
>g
H
o$
_
m
‹
`
_
g
oÒ
_
a
U
g
ßX
oe
^
oO
Z
m
`
m
Ï
`
{
∫
$
J
V
_
wb
m
H
$
m
V
oß
H
$
a
Z
m
A
m
°a
/̀
m
g
wa
j
m
H
$
m
n
wZ
a
m
{
Y
n
À
`
e
m
{
_
b
h
m
oJ
m
.
h
_
m
a
r
g
ßJ
´h
U
Z
r
{
V
C
{
M
V
C
n
M
m
a
A
m
°a
{
d
Ì
d
m
g
n
a
V
°`
m
a
H
$
s
J
B
©h
°.
∑
^
m
a
V
r
`
[
a
µO
d
©~
¢H
$
H
o$
{
X
e
m
{
Z
X
}e
m
|H
o$
A
Z
wg
m
a
,
h
_
{
H
$
g
r
^
r
E
og
oJ
´m
h
H
$
g
og
ß~
ß{
Y
V
O
_
m
H
$
s
O
m
Z
H
$
m
a
r
X
oV
oh
¢{
O
g
Z
oH
ó$
{
S
>Q
>B
›
\
$
m
∞_
}e
Z
„
`
ya
m
o(
B
ß{
S
>`
m
)
{
b
{
_
Q
>oS
>(
{
g
{
~
b
)
`
m
{
H
$
g
r
^
r
b
m
B
g
|g
Y
m
a
r
„
`
ya
m
oH
$
m
oG
$
U
(
H
ó$
{
S
>Q
>)
g
w{
d
Y
m
_
m
{
g
H
$
A
m
Y
m
a
n
a
C
n
b
„
Y
H
$
a
m
B
©h
°.
‡
X
Œ
m
g
yM
Z
m
E
±n
yd
©_
m
h
H
o$
A
ßV
n
a
{
Ò
W
{
V
H
$
m
oX
e
m
©V
r
h
°ß A
m
°a
B
Z
_
|B
g
g
ß~
ßY
_
oß O
m
Z
H
$
m
a
r
e
m
{
_
b
h
m
oV
r
h
¢{
H
$
ä `
m
A
m
n
H
$
m
G
$
U
I
m
V
m
{
Z̀
{
_
V
h
°`
m
X
m
of
r
h
°.
C
g
p
Ò
W
{
V
_
|O
~
H
$
m
oB
©G
$
U
I
m
V
m
E
og
r
[
a
n
m
o{
Q
>™J
H
$
s
{
V
{
W
H
$
m
X
m
of
r
h
m
oV
m
h
°A
m
°a
d
h
I
m
V
m
~
m
X
_
|{
Z̀
{
_
V
H
$
a
{
X̀
m
O
m
V
m
h
°,
V
~
A
J
b
o_
m
h
H
$
s
[
a
n
m
o{
Q
>™J
H
o$
g
_
`
I
m
V
oH
$
s
p
Ò
W
{
V
‡
À
`
m
{
e
V
‡
^
m
d
g
o{
g
µ\
©$
A
⁄
V
Z
H
$
s
O
m
E
J
r
.
{
g
{
~
b
H
o$
A
Z
wg
m
a
,
A
m
n
H
$
s
p
Ò
W
{
V
_
|g
^
r
n
[
a
d
V
©Z
A
{
Y
H
$
V
_
3
0
{
X
Z
m
oß H
o$
^
r
V
a
A
⁄
V
Z
H
a
{
X
E
O
m
V
oh
¢.
{
g
{
~
b
H
o$
g
m
W
{
H
$
g
r
^
r
‡
{
V
H
y$
b
g
m
I
H
o$
A
V
r
V
g
o~
M
Z
oH
o$
{
b
E
,
A
m
n
H
$
m
o h̀
g
w{
Z
p
Ì
M
V
H
$
a
Z
m
M
m
{
h
E
{
H
$
G
$
U
n
a
~
H
$
m
`
m
a
m
{
e
H
$
m
g
_
`
n
a
^
wJ
V
m
Z
{
d
{
Y
d
V
{
H
$
`
m
O
m
V
m
h
°.
6
.
q
X
$a
p
°Î
V
$
∑
q
X
$a
p
°Î
V
$_
p
q
L
$ı
k
p
d
p
Ñ(
A
°V
$g
°L
°$,
≈
°g
°Z
u
f
L
$d
_
º
L
$u
L
$f
°g
s
p
f
u
M
k
y^
u
d
p
ÑQ
|L
$h
p
e
_
l
]
L
°$L
$f
p
f
_
u
L
$p
°C
Z̀
^
p
f
p
_
yÑ D
Î
g
ÑO
_
\
p
e
)
N
∞p
l
L
$_
°V
$ p̀
g
,
a
°º
k
,
V
°$r
g
a
p
°_
,
C
d
°C
g
,
A
°k
A
°d
A
°k
d
°k
°q
S
>
ÑN
A
_
°/
A
\
h
p
e
p
v
$N
u
f
u
L
$f
h
p
,
a
p
°g
p
°À
L
$f
h
p
A
_
°g
°Z
p
ÑS
>
d
p
L
$f
h
p
d
p
V
°$r
_
e
yº
s
”
u
≈
ǹ
p
°‹
p
f
p
s
°_
p
g
p
°_
M
p
s
p
_
u
L
$p
°C
Z̀
b
p
L
$u
Q
yL
$h
Z
u
d
p
V
°$k
d
e
p
Ñs
f
°e
p
v
$N
u
f
u
d
p
°L
$g
h
p
_
u
f
l
°i
°.
A
p
f
u
s
°r
_
e
yº
s
L
$p
°C
Z̀
”
u
≈
° ǹ
F
>
Z
S
>
d
p
L
$f
h
p
d
p
V
°$
C
[
fi
X
$e
_
b
°fi
º
k
A
°k
p
°r
k
e
°i
_
_
u
(
A
p
C
b
u
A
°)
A
p
Q
p
f
k
Ñr
l
s
p
_
yÑ Q
p
°L
$k
p
C
\
up̀
g
_
L
$f
i
°.
∑
g
°Z
p
Ñh
k
|g
L
$f
h
p
d
p
V
°$A
d
p
f
u
d
p
N
Æv
$r
i
ÆL
$p
A
p
°A
Ñs
N
Æs
Ï
e
p
ø
e
p
L
$f
p
e
°g
u
‚
q
æ
$e
p
_
yÑ p̀
g
_
L
$f
p
i
°.
A
p
‚
q
æ
$e
p
d
p
Ñk
|Q
_
p
d
p
°L
$g
u
_
°N
∞p
l
L
$_
°e
p
v
$À
p
h
h
yÑ L
°$
A
ÑN
s
f
u
s
°d
yg
p
L
$p
s
g
°h
yÑ A
_
°/
A
\
h
p
r
k
º
e
yq
f
V
$u
_
p
`
y_
:
L
$b
≈
_
p
°k
d
p
h
°i
\
p
e
R
>
°.
A
d
p
f
u
L
$g
°L
$i
_
_
u
r
s
Ï
e
h
l
p
f
y D̀
Q
p
f
A
_
°k
d
≈
h
V
$ f̀
b
_
u
R
>
°.
∑
q
f
T
h
Æb
°fi
L
$A
p
°a
C
[
fi
X
$e
p
_
u
d
p
N
Æv
$r
i
ÆL
$p
A
_
yk
p
f
A
°Q
A
°k
b
u
k
u
D
^
p
f
_
u
k
yr
h
^
p
g
u
^
u
l
p
°e
s
°L
$p
°C
Z̀
N
∞p
l
L
$k
Ñb
Ñ^
u
D
^
p
f
_
u
d
p
r
l
s
u
æ
°$q
X
$V
$
C
fi
a
p
°d
°Æi
_
Â
e
yf
p
°(
C
[
fi
X
$e
p
)
r
g
r
d
V
°$X
$(
r
k
r
b
g
)
A
\
h
p
L
$p
°C
Z̀
A
fi
e
g
p
C
k
fi
ı
X
$Â
e
yf
p
°_
°d
p
r
k
L
$^
p
°f
Z
°d
p
°L
$g
°R
>
°.
A
p
d
p
r
l
s
u
d
p
ÑN
s
d
r
l
_
p
_
°
A
Ñs
°[
ı
\
r
s
A
_
°g
p
°_
M
p
s
Ñy r
_
e
r
d
s
R
>
°L
°$a
f
S
>
Q
|L
$\
C
f
l
u
R
>
°s
°r
h
i
°d
p
r
l
s
u
_
p
°k
d
p
h
°i
\
p
e
R
>
°.
≈
°g
p
°_
M
p
s
p
d
p
ÑA
p
h
u
≈
Z
L
$f
h
p
_
u
s
p
f
u
M
°
a
f
S
>
Q
|L
$\
C
l
p
°e
A
_
°M
p
s
yÑ –
e
p
f
b
p
v
$r
_
e
r
d
s
L
$f
p
e
s
p
°M
p
s
p
_
u
[
ı
\
r
s
k
Ñc
p
Ï
e
f
u
s
°A
p
N
p
d
u
d
r
l
_
°≈
Z
L
$f
h
p
k
d
e
° À
X
°$V
$L
$f
p
i
°.
r
k
r
b
g
A
_
yk
p
f
N
∞p
l
L
$_
u
[
ı
\
r
s
d
p
Ñs
d
p
d
a
°f
a
p
f
p
°d
l
—
d
3
0
q
v
$h
k
_
u
A
Ñv
$f
À
X
°$V
$L
$f
p
e
R
>
°.
r
k
r
b
g
d
p
ÑL
$p
°C
Z̀
d
p
W
$p
°D
^
p
f
C
r
s
l
p
k
V
$p
m
h
p
d
p
V
°$
N
∞p
l
L
$p
°A
°g
p
°_
_
u
f
L
$d
D̀
f
g
°Z
u
f
L
$d
_
u
Q
yL
$h
Z
u
k
d
e
k
f
\
p
e
s
°_
u
M
p
s
f
u
f
p
M
h
u
≈
°C
A
°.
7. Prepayment and foreclosure
• You can prepay/foreclose the loan by giving a notice in writing and pay in accordance with our rules of prepayment/foreclose,
along with charges if any (Please refer to the Loans – Service Charges and Fees section of our website for more details)
• If you make a prepayment/pay towards foreclosure by cheque, the payment will take effect only when the cheque is cleared
• Your original documents submitted to us, would be returned within 15 days of satisfactorily loan closure, as per the conditions
of the loan agreement signed by you
7
n
yd
©^
wJ
V
m
Z
A
m
°a
n
wa
m
o~
ßY
∑
A
m
n
{
b
{
I
V
_
|E
H
$
g
yM
Z
m
X
oH
$
a
G
$
U
H
$
m
n
yd
©^
wJ
V
m
Z
/
n
wa
m
o~
ßY
H
$
a
g
H
$
V
oh
¢A
m
°a
`
{
X
H
$
m
oB
©e
wÎ
H
$
h
m
o,
C
g
H
o$
g
m
W
h
_
m
a
on
yd
©^
wJ
V
m
Z
/
n
wa
m
o~
ßY
H
o$
{
Z̀
_
m
|H
o$
A
Z
wg
m
a
B
g
H
$
m
^
wJ
V
m
Z
H
$
a
g
H
$
V
oh
¢.
(
A
{
Y
H
$
O
m
Z
H
$
m
a
r
H
o$
{
b
E
H
•$
ǹ
m
h
_
m
a
r
d
o~
g
m
B
Q
>H
o$
G
$
U
g
od
m
e
wÎ
H
$
A
m
°a
‡
^
m
a
A
Z
w^
m
J
H
$
m
oX
oI
|)
∑
`
{
X
A
m
n
M
oH
$
¤
m
a
m
H
$
m
oB
©n
yd
©^
wJ
V
m
Z
/
n
wa
m
o~
ßY
H
o$
{
b
E
^
wJ
V
m
Z
H
$
a
V
oh
¢,
V
m
o^
wJ
V
m
Z
{
g
µ\
©$
V
^
r
‡
^
m
d
_
|A
m
E
J
m
O
~
M
oH
$
Ò
d
r
H
•$
V
h
m
oO
m
V
m
h
°.
∑
A
m
n
H
o$
¤
m
a
m
h
Ò
V
m
j
[
a
V
G
$
U
A
Z
w~
ßY
H
$
s
e
V
m
]H
o$
A
Z
wg
m
a
A
m
n
H
o$
_
yb
‡
b
oI
O
m
oh
_
m
a
on
m
g
O
_
m
h
¢,
G
$
U
H
o$
g
ßV
m
of
n
yd
©H
$
~
ßX
h
m
oZ
oH
o$
~
m
X
1
5
{
X
Z
m
|H
o$
^
r
V
a
A
m
n
H
$
m
ob
m
°Q
>m
{
X
E
O
m
E
±J
o.
7
.`
|h
ÆQ
yL
$h
Z
u
A
_
°a
p
°f
º
g
p
°T
f
(
N
u
f
p
°R
>
p
°X
$p
h
h
p
_
p
°‚
r
s
j
°^
)
∑
N
∞p
l
L
$A
d
_
°`
|h
ÆQ
yL
$h
Z
u
/
a
p
°f
º
g
p
°T
f
A
Ñs
N
Æs
g
°r
M
s
d
p
Ñk
|Q
_
p
A
p
ù
_
°A
_
°Q
yL
$h
Z
u
k
p
\
°≈
°L
$p
°C
l
p
°e
s
p
°(
L
©$ p̀
L
$f
u
_
°h
^
yr
h
N
s
p
°d
p
V
°$V
°$q
f
a
`
”
L
$S
y>
A
p
°)
`
|h
ÆQ
yL
$h
Z
u
/
a
p
°f
º
g
p
°T
f
_
p
v
$f
p
°k
p
\
°g
p
°_
`
|h
ÆQ
yL
$h
Z
u
/
a
p
°f
º
g
p
°T
L
$f
u
i
L
$p
°R
>
°.
∑
≈
°`
|h
ÆQ
yL
$h
Z
u
/
a
p
°f
º
g
p
°T
Q
°L
$‹
p
f
p
L
$f
p
e
s
p
°`
|h
ÆQ
yL
$h
Z
u
/
a
p
°f
º
g
p
°T
Q
°L
$h
V
$u
≈
e
R̀
>
u
A
k
f
L
$p
f
L
$b
_
i
°.
∑
s
d
°A
d
_
°k
y f̀
s
L
$f
°g
p
d
|m
v
$ı
s
p
h
°≈
°g
p
°_
k
Ñs
p
°j
L
$p
f
L
$f
u
s
°Q
|L
$h
u
v
$u
^
pR̀
>
u
1
5
q
v
$h
k
d
p
Ñ f̀
s
L
$f
p
i
°,
S
>
°N
∞p
l
L
$‹
p
f
p
k
l
u
L
$f
°g
p
g
p
°_
L
$f
p
f
_
u
i
f
s
p
°A
_
yk
p
f
f
l
°i
°.
8. Statement of account
We will send across a half-yearly statement of the loan account at your correspondence address registered on the
Bank's record. If you have signed up for Internet Banking and electronic statement, a paper copy will not be sent to your
correspondence address.
If you need a copy of the statement of account, you may call our PhoneBanking service or visit our branch and request for a
copy subject to the applicable fee.
8
I
m
V
oH
$
m
{
d
d
a
U
h
_
~
¢H
$
[
a
H
$
m
∞S
>©n
a
n
ßO
r
H
•$
V
A
m
n
H
o$
n
Ã
m
M
m
a
H
o$
n
V
on
a
G
$
U
I
m
V
oH
$
m
N
>_
m
h
r
{
d
d
a
U
^
oO
|J
o.
`
{
X
A
m
n
Z
oB
ßQ
>a
Z
oQ
>~
¢q
H
$
J
`
m
B
b
oä Q
¥>m
∞{
Z
H
$
{
d
d
a
U
H
o$
{
b
E
A
n
Z
m
Z
m
_
X
O
©H
$
a
d
m
`
m
h
°,
V
m
oA
m
n
H
o$
n
Ã
m
M
m
a
H
o$
n
V
on
a
H
$
m
oB
©H
$
m
J
O
r
‡
{
V
Z
h
t
^
oO
r
O
m
E
J
r
.
`
{
X
A
m
n
H
$
m
oI
m
V
oH
o$
{
d
d
a
U
H
$
s
E
H
$
‡
{
V
H
$
s
A
m
d
Ì
H̀
$
V
m
h
°,
V
m
oA
m
n
h
_
m
a
r
\
$
m
oZ
~
¢q
H
$
J
g
od
m
H
$
m
oH
$
m
∞b
H
$
a
g
H
$
V
oh
¢`
m
h
_
m
a
r
e
m
I
m
n
a
O
m
H
$
a
b
m
J
ye
wÎ
H
$
H
o$
A
Y
r
Z
E
H
$
‡
{
V
H
$
m
A
Z
wa
m
oY
H
$
a
g
H
$
V
oh
¢.
g
ßV
m
of
n
yd
©H
$
~
ßX
h
m
oZ
oH
o$
~
m
X
1
5
{
X
Z
m
|H
o$
^
r
V
a
A
m
n
H
$
m
ob
m
°Q
>m
{
X
E
O
m
E
±J
o.
8
.M
p
s
p
_
yÑ r
_
h
°v
$_
A
d
°b
°fi
L
$d
p
Ñ_
p
¢^
p
e
°g
d
yS
>
b
s
d
p
f
p
`
”
Ï
e
h
l
p
f
_
p
k
f
_
p
d
pf̀
g
p
°_
M
p
s
p
_
p
ÑA
^
Æh
p
r
j
ÆL
$r
_
h
°v
$_
p
°d
p
°L
$g
u
i
yÑ.
≈
°s
d
°C
fi
V
$f
_
°V
$b
°[
fi
L
Ñ$N
A
_
°C
g
°º
V
≤$p
°r
_
L
$
r
_
h
°v
$_
d
p
V
°$k
l
u
L
$f
u
l
p
°e
s
p
°s
d
p
f
p
`
”
Ï
e
h
l
p
f
_
p
k
f
_
p
d
°`
° f̀
L
$p
° ù
d
p
°L
$g
h
p
d
p
ÑA
p
h
i
°.
≈
°s
d
_
°M
p
s
p
_
p
r
_
h
°v
$_
_
u
_
L
$g
_
u
S
>
Í
$f
l
p
°e
s
p
°A
d
p
f
u
a
p
°_
b
°[
fi
L
Ñ$N
k
r
h
Æk
_
°L
$p
°g
L
$f
u
i
L
$p
°R
>
p
°A
\
h
p
A
d
p
f
u
i
p
M
p
d
p
Ñ l̀
p
¢Q
u
_
°g
p
N
ya
u
_
°A
p
^
u
_
L
$p
° ù
d
p
V
°$r
h
_
Ñs
u
L
$f
u
i
L
$p
°R
>
p
°.
9. Know your customer / Due diligence requirement
In line with the requirements of the Bank's policy, the Know Your Customer (KYC) documents along with other
documentation need to be submitted at the time of opening a new account or as and when requested by the Bank. The
Bank reserves a right to allow / restrict operations in a newly opened / existing accounts maintained with the Bank, if the
customer is not able to satisfy the due diligence requirements in line with the Bank’s policy.
The Bank reserves a right to block transactions/ allow operations in a newly opened/ existing accounts maintained with
the Bank, if the account deliverables/ welcome letter/ welcome pack/ bank correspondences not limited to Account
statements, etc., are returned undelivered and Bank is unable to contact you at the address/ contact number provided by
you at the time of account opening/ updated in Bank records.
9
.A
n
Z
oJ
´m
h
H
$
H
$
m
oO
m
Z
|/
Ẁ
m
o{
M
V
V
À
n
a
V
m
H
$
s
A
m
d
Ì
H̀
$
V
m
~
¢H
$
H
$
s
n
m
∞{
b
g
r
H
$
s
A
m
d
Ì
H̀
$
V
m
H
o$
A
Z
wÍ
$
n
,
{
H
$
g
r
Z
E
I
m
V
oH
$
m
oI
m
ob
V
og
_
`
`
m
O
°g
m
A
m
°a
O
~
^
r
~
¢H
$
¤
m
a
m
A
Z
wa
m
oY
{
H
$
`
m
O
m
E
,
A
›
`
‡
b
oI
Z
H
o$
g
m
W
"
A
n
Z
oJ
´m
h
H
$
H
$
m
oO
m
Z
|'
(
H
o$
d
mg̀
r
)
‡
b
oI
m
|
H
$
m
o‡
Ò
V
wV
{
H
$
E
O
m
Z
oH
$
s
O
Í
$
a
V
h
m
oV
r
h
°.
`
{
X
J
´m
h
H
$
~
¢H
$
H
$
s
Z
r
{
V
H
o$
A
Z
wg
m
a
C
ǹ
w∫
$
V
À
n
a
V
m
g
ß~
ßY
r
A
m
d
Ì
H̀
$
V
m
A
m
|H
$
m
og
ßV
wÔ
>H
$
a
Z
o_
|g
j
_
Z
h
t
h
m
oV
m
h
°V
m
o~
¢H
$
H
o$
n
m
g
~
¢H
$
H
o$
g
m
W
Z
E
I
m
ob
o
J
E
/
O
m
a
r
a
I
oJ
E
_
m
°O
yX
m
I
m
V
m
|_
|n
[
a
M
m
b
Z
m
|H
$
m
oÒ
d
r
H
•$
V
H
$
a
Z
o/
a
m
oH
$
Z
oH
$
m
A
{
Y
H
$
m
a
g
wa
{
j
V
h
°.
`
{
X
I
m
V
oH
o$
g
m
W
‡
X
o`
d
Ò
V
wE
±/
Ò
d
m
J
V
n
Ã
/
Ò
d
m
J
V
n
°H
$
/
~
¢H
$
n
Ã
m
M
m
a
O
m
oI
m
V
m
{
d
d
a
U
m
|V
H
$
g
r
{
_
V
Z
h
t
h
°,
A
m
{
X
n
h
˛±M
m
E
~
J
°a
d
m
n
g
b
m
°Q
>m
{
X
E
O
m
V
oh
¢A
m
°a
~
¢H
$
A
m
n
g
oI
m
V
m
I
m
ob
V
o
g
_
/̀
~
¢H
$
[
a
H
$
m
∞S
>©_
|I
m
V
m
A
⁄
V
Z
H
$
a
V
og
_
`
A
m
n
H
o$
¤
m
a
m
{
X
E
J
E
n
V
o/
g
ßn
H
©$
Z
ß~
a
n
a
g
ßn
H
©$
H
$
a
Z
o_
|g
j
_
Z
h
r
ßh
m
on
m
V
m
h
°V
m
o~
¢H
$
H
o$
n
m
g
Z
E
I
m
ob
oJ
E
I
m
V
o/
~
¢H
$
H
o$
g
m
W
~
Z
m
E
a
I
oJ
E
_
m
°O
yX
m
I
m
V
o_
|b
oZ
X
oZ
H
$
m
oa
m
oH
$
Z
o/
n
[
a
M
m
b
Z
m
|H
$
m
oÒ
d
r
H
•$
V
H
$
a
Z
oH
$
m
A
{
Y
H
$
m
a
g
wa
{
j
V
h
°.
9
.s
d
p
f
p
N
∞p
l
L
$_
°≈
Z
p
°/
e
p
°¡
e
Q
u
h
V
$_
u
A
p
h
Ì
e
L
$s
p
b
°fi
L
$_
u
_
u
r
s
_
u
A
p
h
Ì
e
L
$s
p
A
p
°_
u
f
°M
p
d
p
Ñ_
p
°e
p
°f
L
$ı
V
$d
f
(
s
d
p
f
p
N
∞p
l
L
$_
°≈
Z
p
°L
°$h
p
e
k
u
)
v
$ı
s
p
h
°≈
°k
p
\
°A
fi
e
v
$ı
s
p
h
°∆
L
$f
Z
_
h
yÑ M
p
s
yÑ
M
p
°g
h
p
k
d
e
°A
\
h
p
b
°fi
L
$‹
p
f
p
r
h
_
Ñs
u
L
$f
p
e
s
°d
yS
>
b
A
_
°–
e
p
f
°k
y f̀
s
L
$f
h
p
_
yÑ S
>
Í
$f
u
R
>
°.
≈
°b
°fi
L
$_
u
_
u
r
s
k
p
\
°f
°M
p
d
p
Ñe
p
°¡
e
Q
u
h
V
$_
u
A
p
h
Ì
e
L
$s
p
A
p
°_
°N
∞p
l
L
$k
Ñs
p
°j
u
_
l
]
i
L
°$s
p
°b
°fi
L
$ p̀
k
°≈
m
h
h
p
d
p
ÑA
p
h
°g
p
_
h
p
M
p
°g
°g
p
/
d
p
°S
|>
v
$M
p
s
p
d
p
ÑL
$p
d
N
u
f
u
Q
p
g
yf
p
M
h
p
_
p
°/
r
_
e
Ñr
”
s
L
$f
h
p
_
p
°b
°fi
L
$_
°A
b
p
r
^
s
A
r
^
L
$p
f
R
>
°.
≈
°M
p
s
p
_
p
Ñr
_
h
°v
$_
p
°r
k
h
p
e
M
p
s
p
k
Ñb
Ñ^
u
v
$ı
s
p
h
°≈
°/
h
°g
L
$d
g
°V
$f
/
h
°g
L
$d
`
°L
$/
b
°fi
L
$_
p
`
”
Ï
e
h
l
p
f
q
X
$r
g
h
f
u
\
e
p
r
h
_
pp̀
R
>
p
A
p
h
u
≈
e
A
_
°
b
°fi
L
$M
p
s
yÑ M
p
°g
h
p
k
d
e
°s
d
°A
p
`
°g
p
/
b
°fi
L
$f
°L
$p
°X
Æ$d
p
Ñ À
X
°$V
$d
yS
>
b
k
f
_
p
d
yÑ/
k
Ñ L̀
Æ$_
Ñb
f
D̀
f
s
d
p
f
p
°k
Ñ L̀
Æ$_
l
]
L
$f
u
i
L
°$s
p
°b
°fi
L
$ p̀
k
°_
h
p
M
p
°g
°g
p
/
d
p
°S
|>
v
$M
p
s
p
d
p
ÑL
$p
d
N
u
f
u
g
°Z
v
°$Z
A
V
$L
$p
h
h
p
_
p
°/
d
ÑS
|>
f
L
$f
h
p
_
p
°b
°fi
L
$_
°A
b
p
r
^
s
A
r
^
L
$p
f
R
>
°.
10. Sanctions
The Bank and other members of the HSBC Group are required to and may take any action to meet Compliance
Obligations relating to or in connection with the detection, investigation and prevention of Financial Crime (“Financial
Crime Risk Management Activity”) and act in accordance with the laws, regulations and requests of public and regulatory
authorities operating in various jurisdictions which relate to Financial Crime. The Bank may take, and may instruct (or be
instructed by) any other member of the HSBC Group to take, any action which it or such other member, in its sole and
absolute discretion, considers appropriate to take in accordance with all such laws, regulations and requests.
Such action may include but is not limited to (a) screening, intercepting and investigating any instruction, communication,
drawdown request, application for Services, or any payment sent to or by you, or on your behalf, (b) investigating the
source of or intended recipient of funds (c) combining Customer Information with other related information in the
possession of the HSBC Group, and/or (d) making further enquiries as to the status of a person or entity, whether they
are subject to a sanctions regime, or confirming your identity and status (e) share information on a confidential basis with
such HSBC Group offices whether located in India or overseas in relation to prevention of Financial Crime.
Exceptionally, our Financial Crime Risk Management Activity may lead to us delaying, blocking or refusing the making or
clearing of any payment, the processing of your instructions or application for Services or the provision of all or part of the
Services. To the extent permissible by law, neither we nor any other member of HSBC Group shall be liable to you or any
third party in respect of any loss (whether direct or consequential and including, without limitation, loss of profit or interest,
however it arose) that was suffered or incurred by you or a third party, caused in whole or in part in connection with the
undertaking of Financial Crime Risk Management Activity.
In certain circumstances, the action which the Bank may take may prevent or cause a delay in the processing of certain
information. Therefore, neither the Bank nor any member of the HSBC Group warrants that any information on the Bank's
systems relating to any payment messages or other information and communications which are the subject of any action
taken pursuant to this clause is accurate, current or up-to-date at the time it is accessed, whilst such action is being
taken.
For the purpose of the present clause:
“Compliance Obligations” means obligations of the HSBC Group to comply with: (a) laws or international guidance and
internal policies or procedures, (b) any demand or request from authorities or reporting, disclosure or other obligations
under laws, and (c) laws requiring us to verify the identity of our customers.
“Financial Crime” includes money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, evasion of
economic or trade sanctions, and/or any acts or attempts to circumvent or violate any laws relating to these matters.
1
0
.
‡
{
V
~
ßY
~
¢H
$
A
m
°a
E
M
E
g
~
r
g
r
g
_
yh
H
o$
A
›
`
g
X
Ò̀
m
|H
$
m
o{
d
Œ
m
r
`
A
n
a
m
Y
H
$
m
n
V
m
b
J
m
Z
o,
O
m
±M
Z
oA
m
°a
a
m
oH
$
Z
og
og
~
ß{
Y
V
`
m
C
g
H
o$
g
~
ßY
_
|A
Z
wn
m
b
Z
H
$
s
~
m
‹
V̀
m
H
$
m
on
ya
m
H
$
a
Z
oH
o$
{
b
E
H
$
m
oB
©H
$
m
`
©d
m
h
r
H
$
a
Z
o
H
$
s
A
m
°a
{
d
{
^
fi
›
`
m
`
j
oÃ
m
|_
|n
[
a
M
m
b
Z
H
$
a
V
o{
d
Œ
m
r
`
A
n
a
m
Y
m
|g
og
ß~
ß{
Y
V
g
m
d
©O
{
Z
H
$
d
{
d
{
Z̀
m
_
H
$
‡
m
{
Y
H
$
a
U
m
|H
o$
H
$
m
Z
yZ
m
|,
{
d
{
Z̀
_
m
|A
m
°a
A
Z
wa
m
oY
H
o$
A
Z
wg
m
a
H
$
m
`
©H
$
a
Z
oH
$
s
O
Í
$
a
V
h
m
oV
r
h
°`
m
d
o
H
$
a
g
H
$
V
oh
¢.
~
¢H
$
H
$
m
oB
©H
$
m
`
©d
m
h
r
H
$
a
g
H
$
V
m
h
°`
m
H
$
m
`
©d
m
h
r
H
$
a
Z
oH
o$
{
b
E
E
M
E
g
~
r
g
r
g
_
yh
H
o$
{
H
$
g
r
A
›
`
g
X
Ò̀
H
$
m
o{
Z
X
}e
X
og
H
$
V
m
(
C
g
H
o$
¤
m
a
m
{
Z
X
}{
e
V
{
H
$
`
m
O
m
g
H
$
V
m
)
h
°,
d
h
H
$
m
`
©d
m
h
r
O
m
o
h̀
`
m
E
og
m
A
›
`
g
X
Ò̀
A
n
Z
oE
H
$
_
m
Ã
A
m
°a
n
yU
©{
d
d
oH
$
_
|,
E
og
og
^
r
H
$
m
Z
yZ
m
|,
{
d
{
Z̀
_
m
|A
m
°a
A
Z
wa
m
oY
H
o$
A
Z
wg
m
a
H
$
a
Z
m
C
{
M
V
g
_
P
V
m
h
°.
E
og
r
H
$
m
`
©d
m
h
r
_
|{
Z
Â
Z
~
m
V
|e
m
{
_
b
h
m
og
H
$
V
r
h
¢q
H
$
V
wB
Z
V
H
$
g
r
{
_
V
Z
h
r
h
°(
E
)
{
H
$
g
r
{
Z
X
}e
,
g
ßM
m
a
U
,
A
m
h
a
U
¤
m
a
m
H
$
_
r
H
o$
A
Z
wa
m
oY
,
g
od
m
A
m
|H
o$
{
b
E
A
m
d
oX
Z
,
`
m
H
$
m
oB
©^
r
^
wJ
V
m
Z
O
m
oA
m
n
H
$
m
o
`
m
A
m
n
H
o¤
m
a
m
,
`
m
A
m
n
H
$
s
O
J
h
^
oO
m
J̀
m
h
m
oC
g
H
$
m
A
Z
wd
r
j
U
,
A
d
a
m
oY
Z
A
m
°a
A
Z
wg
ßY
m
Z
(
~
r
)
a
m
{
e
H
o$
Û
m
oV
`
m
A
^
r
Ô
>‡
m
·
H
$
V
m
©H
$
s
O
m
±M
,
(
g
r
)
E
M
E
g
~
r
g
r
g
_
yh
H
o$
A
{
Y
H
$
m
a
j
oÃ
_
|A
›
`
g
ß~
ß{
Y
V
O
m
Z
H
$
m
a
r
H
o$
g
m
W
J
´m
h
H
$
O
m
Z
H
$
m
a
r
H
$
m
g
ß`
m
oO
Z
A
m
°a
/̀
m
(
S
>r
)
{
H
$
g
r
Ï
`
{
∫
$
`
m
g
ßÒ
W
m
H
$
s
p
Ò
W
{
V
g
og
ß~
ß{
Y
V
A
m
J
oA
m
°a
n
yN
>V
m
N
>H
$
a
Z
m
,
{
H
$
`
m
V
m
od
o{
H
$
g
r
‡
{
V
~
ßY
m
|H
$
s
Ï
d̀
Ò
W
m
H
o$
A
Y
r
Z
h
¢,
`
m
A
m
n
H
$
s
n
h
M
m
Z
A
m
°a
p
Ò
W
{
V
H
$
s
n
w{
Ô
>H
$
a
a
h
oh
¢(
B
©)
{
d
Œ
m
r
`
A
n
a
m
Y
H
$
s
a
m
oH
$
W
m
_
H
o$
g
ß~
ßY
_
|E
og
oE
M
E
g
~
r
g
r
g
_
yh
H
$
m
`
m
©b̀
m
|H
o$
g
m
W
J
m
on
Z
r
`
A
m
Y
m
a
n
a
O
m
Z
H
$
m
a
r
g
m
P
m
H
$
a
Z
m
,
M
m
h
o
d
o^
m
a
V
_
|p
Ò
W
V
h
m
o`
m
{
d
X
oe
_
|.
A
n
d
m
X
Ò
d
Í
$
n
,
h
_
m
a
r
{
d
Œ
m
r
`
A
n
a
m
Y
O
m
o{
I
_
‡
~
ßY
Z
J
{
V
{
d
{
Y
h
_
m
a
o¤
m
a
m
H
$
m
oB
©^
wJ
V
m
Z
H
$
a
Z
o`
m
{
Z
n
Q
>m
Z
H
$
a
Z
o_
|,
A
m
n
H
o$
{
Z
X
}e
m
|,
g
od
m
H
o$
{
b
E
A
m
d
oX
Z
`
m
g
^
r
g
od
m
A
m
|`
m
C
g
H
o$
E
H
$
{
h
Ò
g
oH
o$
‡
m
d
Y
m
Z
m
|H
o$
‡
g
ßÒ
H
$
a
U
_
|X
oa
r
H
$
a
Z
o,
a
m
oH
$
Z
o`
m
B
›
H
$
m
a
H
$
a
Z
oH
$
m
H
$
m
a
U
~
Z
g
H
$
V
r
h
°.
H
$
m
Z
yZ
¤
m
a
m
A
Z
w{
_
V
‡
X
Œ
m
g
r
_
m
V
H
$
Z
V
m
oh
_
A
m
°a
Z
h
r
E
M
E
g
~
r
g
r
g
_
yh
H
$
m
H
$
m
oB
©^
r
g
X
Ò̀
{
H
$
g
r
^
r
h
m
{
Z
(
M
m
h
o‡
À
j̀
h
m
o`
m
n
[
a
U
m
_
r
,
A
m
°a
{
O
Z
_
|e
m
{
_
b
h
¢g
r
_
m
H
o$
g
m
W
,
b
m
^
`
m
„
`
m
O
H
$
s
h
m
{
Z
,
O
°g
o^
rh̀
h
˛B
©h
m
o)
H
o$
g
m
n
oj
,
O
m
o{
d
Œ
m
r
`
A
n
a
m
Y
O
m
o{
I
_
‡
~
ßY
Z
J
{
V
{
d
{
Y
H
o$
H
$
m
`
©H
o$
g
m
W
n
yU
©`
m
A
m
ß{
e
H
$
Í
$
n
g
oA
m
n
H
$
m
o`
m
{
H
$
g
r
V
r
g
a
on
j
H
$
m
oh
˛B
©h
m
o`
m
A
m
n
H
o$
/
V
r
g
a
on
j
¤
m
a
m
C
R
>m
B
©J
B
©h
m
o,
C
g
H
o$
{
b
E
A
m
n
H
o$
`
m
{
H
$
g
r
^
r
V
r
g
a
on
j
H
o$
‡
{
V
C
Œ
m
a
X
m
`
r
h
m
oJ
m
.
H
w$
N
>n
[
a
p
Ò
W
{
V̀
m
|_
|,
d
h
H
$
m
`
©d
m
h
r
O
m
o~
¢H
$
H
$
a
g
H
$
V
m
h
°C
g
H
$
s
d
O
h
g
oH
w$
N
>O
m
Z
H
$
m
a
r
H
o$
‡
g
ßÒ
H
$
a
U
_
|a
m
oH
$
b
J
g
H
$
V
r
h
°`
m
C
g
_
|ß X
oa
r
h
m
og
H
$
V
r
h
°.
B
g
{
b
E
Z
V
m
o~
¢H
$
A
m
°a
Z
h
r
E
M
E
g
~
r
g
r
g
_
yh
H
$
m
H
$
m
oB
©g
X
Ò̀
B
g
~
m
V
H
$
m
A
m
Ì
d
m
g
Z
X
oV
m
h
°{
H
$
~
¢H
$
‡
U
m
b
r
n
a
{
H
$
g
r
^
wJ
V
m
Z
g
ßX
oe
`
m
A
›
`
g
yM
Z
m
A
m
°a
g
߇
of
U
,
O
m
oB
g
I
ßS
>H
o$
A
m
Y
m
a
n
a
H
$
s
J
B
©{
H
$
g
r
^
r
H
$
m
`
©d
m
h
r
H
o$
A
Y
r
Z
h
m
o,
C
g
g
og
ß~
{
Y
V
H
$
m
oB
©^
r
O
m
Z
H
$
m
a
r
E
og
r
H
$
m
`
©d
m
h
r
X
m
°a
m
Z
O
~
B
g
oX
oI
m
J̀
m
h
m
oV
~
g
h
r
,
g
m
_
{H̀
$
`
m
A
⁄
V
Z
h
°.
d
V
©_
m
Z
I
ßS
>H
o$
C
‘
oÌ
`
H
o$
{
b
E
:
"
"
A
Z
wn
m
b
Z
X
m
{À̀
d
'
'
H
$
m
V
m
À
ǹ
©E
M
E
g
~
r
g
r
g
_
yh
H
o$
E
og
oX
m
{À̀
d
m
|g
oh
°,
{
O
Z
H
o$
A
ßV
J
©V
:
(
E
)
H
$
m
Z
yZ
m
|`
m
A
ßV
a
m
©Ó
Q
¥>r
`
{
X
e
m
{
Z
X
}e
m
|A
m
°a
A
m
ßV
[
a
H
$
Z
r
{
V̀
m
oß `
m
‡
{
H
´$
`
m
A
m
|H
$
m
,
(
~
r
)
A
{
Y
H
$
m
[
a
`
m
|
H
$
s
{
H
$
g
r
_
m
±J
`
m
A
Z
wa
m
oY
`
m
H
$
m
Z
yZ
m
|H
o$
A
ßV
J
©V
g
ßg
yM
Z
m
,
‡
H
$
Q
>r
H
$
a
U
`
m
A
›
`
X
m
{À̀
d
m
|H
$
m
,
(
g
r
)
C
Z
H
$
m
Z
yZ
m
|H
$
m
O
m
oh
_
g
oJ
´m
h
H
$
H
$
s
n
h
M
m
Z
H
$
m
og
À
`
m
{
n
V
H
$
a
Z
oH
$
s
_
m
±J
H
$
a
V
oh
m
o,
H
$
m
n
m
b
Z
{
H
$
`
m
O
m
V
m
h
m
o.
"
"
{
d
Œ
m
r
`
A
n
a
m
Y
'
'
_
|H
$
m
b
oY
Z
H
$
m
od
°Y
~
Z
m
Z
o,
A
m
V
ßH
$
d
m
{
X̀
m
|H
$
m
{
d
Œ
m
n
m
of
U
H
$
a
Z
o,
[
a
Ì
d
V
,
^
´Ô
>m
M
m
a
,
H
$
a
M
m
oa
r
.
Y
m
oI
m
Y
ãS
>r
,
A
m
{
W
©H
$
`
m
Ï
`
m
n
m
[
a
H
$
‡
{
V
~
ßY
m
|H
$
m
oN
>b
Z
o,
A
m
°a
/̀
m
B
Z
_
m
_
b
m
|g
o
g
ß~
ß{
Y
V
{
H
$
g
r
^
r
H
$
m
Z
yZ
H
$
m
oY
m
oI
m
X
oZ
o`
m
C
Î
b
ßK
Z
H
$
m
H
$
m
oB
©H
$
m
`
©`
m
‡
`
m
g
e
m
{
_
b
h
°.
1
0
.
d
ÑS
|>
f
u
b
°fi
L
$A
_
°A
°Q
A
°k
b
u
k
u
N
∞y`
_
p
A
fi
e
k
Ê
e
p
°A
°_
p
Z
p
L
$u
e
N
y_
p
°(
"
"
_
p
Z
p
L
$u
e
N
y_
p
≈
°M
d
Ï
e
h
ı
\
p
`
_
‚
h
©r
—
'
'
)
_
u
i
p
°^
,
s̀
p
k
A
_
°r
_
h
p
f
Z
k
p
\
°
k
Ñb
Ñr
^
s
A
\
h
p
k
Ñb
Ñ^
d
p
ÑA
r
c
d
yM
s
p
S
>
h
p
b
v
$p
f
u
_
° l̀
p
¢Q
u
h
m
h
p
d
p
ÑL
$p
°C
Z̀
Ǹ
g
p
Ñg
°h
p
Ñ X̀
°$A
_
°g
C
i
L
°$R
>
°A
_
°_
p
Z
p
L
$u
e
N
y_
p
°b
fi
e
p
°l
p
°e
s
°
r
h
r
h
^
k
u
d
p
d
p
ÑL
$p
e
v
$p
,
r
_
e
d
_
A
_
°S
>
_
s
p
s
\
p
r
_
e
d
_
k
—
p
_
u
r
h
_
Ñs
u
d
yS
>
b
Ǹ
g
p
Ñg
C
i
L
°$R
>
°.
b
°fi
L
$A
p
h
p
k
h
ÆL
$p
e
v
$p
,
r
_
e
d
_
A
_
°r
h
_
Ñs
u
A
p
°
A
_
yk
p
f
e
p
°¡
e
g
p
N
°s
°_
u
A
°L
$d
°h
A
_
°k
Ñ`
|Z
Æd
f
∆
d
p
Ñs
°A
\
h
p
A
p
h
p
A
fi
e
k
Ê
e
p
°L
$p
°C
Z̀
Ǹ
g
p
Ñg
°s
°d
p
V
°$b
°fi
L
$ p̀
°s
°A
_
°A
°Q
A
°k
b
u
k
u
N
∞y`
_
p
L
$p
°C
Z̀
k
Ê
e
_
°L
$p
°C
Z̀
Ǹ
g
p
Ñg
°h
p
k
|Q
h
u
(
A
\
h
p
k
|r
Q
s
L
$e
p
Æd
yS
>
b
)
i
L
°$R
>
°.
A
p
h
p
Ñ Ǹ
g
p
Ñd
p
Ñr
_
Á
_
r
g
r
M
s
_
°d
e
p
Æq
v
$s
_
l
]
s
°f
u
s
°k
d
p
r
h
Ù
$f
l
°i
°(
A
°)
s
d
_
°A
\
h
p
s
d
p
f
p
‹
p
f
p
A
\
h
p
s
d
p
f
p
h
s
u
L
$p
°C
Z̀
k
|Q
_
p
,
k
Ñv
°$i
Ï
e
h
l
p
f
,
X
≤$p
°X
$p
D
_
r
h
_
Ñs
u
,
k
°h
p
d
p
V
°$A
f
∆
A
\
h
p
L
$p
°C
Z̀
Q
yL
$h
Z
u
_
yÑ ı
æ
$u
t
_
N
,
A
p
Ñs
f
h
yÑ A
_
° s̀
p
k
L
$f
u
i
L
°$R
>
°,
(
b
u
)
c
ÑX
$p
°m
_
u
‚
p
r
‡
s
_
p
°
ˆ
p
°s
A
\
h
p
C
[
√
R
>
s
‚
p
r
‡
s
L
$s
p
Æ_
u
s̀
p
k
,
(
k
u
)
A
°Q
A
°k
b
u
k
u
N
∞y`
_
p
L
$b
≈
d
p
Ñ_
u
A
fi
e
k
Ñb
Ñr
^
s
d
p
r
l
s
u
k
p
\
°N
∞p
l
L
$d
p
r
l
s
u
≈
°X
$s
p
Ñ,
A
_
°/
A
\
h
p
(
X
$u
)
Ï
e
[
º
s
L
°$L
$Ñ`
_
u
_
u
[
ı
\
r
s
r
h
i
°d
ÑS
|>
f
i
p
k
_
_
°A
p
^
u
_
l
p
°e
L
°$s
d
p
f
u
A
p
°m
M
A
_
°v
$f
S
>
≈
_
°k
d
\
Æ_
A
p
h̀
p
h
^
y`
|R
>f̀
R
>L
$f
h
u
,
(
C
)
_
p
Z
p
L
$u
e
N
y_
p
r
_
h
p
f
Z
k
Ñb
Ñ^
d
p
Ñc
p
f
s
L
°$r
h
v
°$i
d
p
Ñ[
ı
\
s
l
p
°e
s
°A
p
h
p
ÑA
°Q
A
°k
b
u
k
u
N
∞y`
_
p
ÑL
$p
e
p
Æg
e
p
°k
p
\
°N
p
°`
_
u
e
^
p
°f
Z
°d
p
r
l
s
u
_
yÑ A
p
v
$p
_
‚
v
$p
_
L
$f
h
yÑ.
À
h
p
v
$p
–
d
L
$f
u
s
°A
d
p
f
u
_
p
Z
p
L
$u
e
N
y_
p
≈
°M
d
Ï
e
h
ı
\
p
`
_
‚
h
©r
—
_
°g
u
^
°L
$p
°C
Z̀
Q
yL
$h
Z
u
,
s
d
p
f
u
k
|Q
_
p
_
u
‚
q
æ
$e
p
A
\
h
p
k
°h
p
A
\
h
p
k
°h
p
A
p
°_
u
k
h
ÆL
°$c
p
N
p
°d
p
Ñ≈
°N
h
p
C
d
p
V
°$A
f
∆
L
$f
h
p
d
p
ÑL
°$d
ÑS
|>
f
L
$f
h
p
d
p
ÑA
d
_
°r
h
g
Ñb
,
A
h
f
p
°^
\
C
i
L
°$A
\
h
p
_
L
$p
f
u
i
L
$u
A
°R
>
u
A
°.
L
$p
e
v
$p
_
p
d
ÑS
|>
f
d
p
”
p
d
p
ÑA
d
°
L
°$A
°Q
A
°k
b
u
k
u
N
∞y`
_
p
L
$p
°C
Z̀
A
fi
e
k
Ê
e
_
p
Z
p
L
$u
e
N
y_
p
≈
°M
d
Ï
e
h
ı
\
p
`
_
‚
h
©r
—
_
u
b
p
Ñe
^
f
u
k
p
\
°k
Ñb
Ñ^
d
p
Ñk
Ñ`
|Z
ÆL
°$A
p
Ñr
i
L
$d
p
Ñs
d
p
f
p
L
°$s
©s
u
e
ǹ
‹
p
f
p
\
e
°g
p
A
\
h
p
D
v
$c
h
°g
p
L
$p
°C
Z̀
_
yL
$k
p
_
(
‚
–
e
n
L
°$ q̀
f
Z
p
d
L
$p
f
L
$A
_
°k
u
d
p
r
h
_
p
,
_
a
p
°L
°$Ï
e
p
S
>k
r
l
s
_
yL
$k
p
_
N
d
°s
°f
u
s
°D
v
$c
h
°)
k
Ñb
Ñ^
d
p
Ñs
d
_
°L
°$L
$p
°C
Z̀
s
©s
u
e
ǹ
_
°D
—
f
v
$p
e
u
_
l
]
f
l
°i
°.
A
d
yL
$k
Ñ≈
°N
p
°d
p
Ñb
°fi
L
$g
C
i
L
°$s
° Ǹ
g
p
Ñ\
u
A
d
yL
$d
p
r
l
s
u
_
u
‚
q
æ
$e
p
d
p
Ñr
h
g
Ñb
\
C
i
L
°$A
\
h
p
r
_
h
p
f
u
i
L
$p
e
R
>
°.
A
p
\
u
,
b
°fi
L
$L
°$A
°Q
A
°k
b
u
k
u
N
∞y`
_
p
L
$p
°C
Z̀
k
Ê
e
,
A
p
h
p
Ñ Ǹ
g
p
Ñg
°h
p
e
p
Ñ–
e
p
f
°A
p
^
p
f
p
A
Ñs
N
Æs
L
$p
°C
Z̀
Ǹ
g
p
Ñg
°h
p
_
°A
p
^
u
_
l
p
°e
s
°L
$p
°C
Z̀
Q
yL
$h
Z
u
_
p
°k
Ñv
°$i
A
\
h
p
A
fi
e
d
p
r
l
s
u
A
_
°k
Ñv
°$i
Ï
e
h
l
p
f
k
Ñb
Ñ^
u
b
°fi
L
$_
u
‚
Z
p
g
uf̀
_
u
L
$p
°C
Z̀
d
p
r
l
s
u
A
p
h
p
Ñ Ǹ
g
p
Ñg
°h
p
e
–
e
p
f
° l̀
p
¢Q
d
°m
h
p
e
s
°k
d
e
°A
Q
|L
$,
l
p
g
_
u
L
°$À
V
y$X
°$V
$
L
$f
p
C
R
>
°A
°h
u
L
$p
°C
b
p
Ñe
^
f
u
A
p
s̀
p
Ñ_
\
u
.
h
s
Æd
p
_
^
p
f
p
_
p
l
°s
yd
p
V
°$:
"
"
A
r
c
d
yM
s
p
S
>
h
p
b
v
$p
f
u
A
p
°'
'
A
°V
$g
°A
°Q
A
°k
b
u
k
u
N
∞y`
_
yÑ r
_
Á
_
r
g
r
M
s
_
yÑ p̀
g
_
L
$f
h
p
_
u
S
>
h
p
b
v
$p
f
u
:
(
A
°)
L
$p
e
v
$p
L
°$A
p
Ñs
f
f
p
Ù
≤$u
e
d
p
N
Æv
$i
Æ_
A
_
°
A
p
Ñs
q
f
L
$_
u
r
s
L
°$‚
q
æ
$e
p
A
p
°,
(
b
u
)
k
—
pp̀
k
°\
u
L
$p
°C
Z̀
d
p
N
Z
u
A
\
h
p
r
h
_
Ñs
u
A
\
h
p
L
$p
e
v
$p
l
°W
$m
q
f
p̀
°q
V
Ø$N
,
q
X
$ı
L
$p
°T
f
L
°$A
fi
e
S
>
h
p
b
v
$p
f
u
A
p
°A
_
°
(
k
u
)
A
d
p
f
p
N
∞p
l
L
$p
°_
u
A
p
°m
M
_
u
r
h

p
k
p
l
Æs
p
A
d
p
f
p
L
$p
e
v
$p
A
_
yk
p
f
s̀
p
k
h
yÑ A
p
h
Ì
e
L
$R
>
°.
"
"
_
p
Z
p
L
$u
e
N
y_
p
°'
d
p
Ñk
d
p
h
°i
\
p
e
R
>
°,
d
_
u
g
p
°fi
X
$q
f
ÑN
,
V
°$f
q
f
ı
V
$a
p
C
_
p
[
fi
k
ÑN
,
g
p
ÑQ
,
c
∞Ù
$p
Q
p
f
,
L
$f
Q
p
°f
u
,
R
>
°s
f
t
X̀
u
,
A
p
r
\
ÆL
$L
°$h
° p̀
f
d
ÑS
|>
f
u
A
p
°d
p
ÑQ
°X
$p
Ñ
A
_
°/
A
\
h
p
A
p
d
p
d
g
p
k
Ñb
Ñ^
d
p
ÑL
$p
°C
Z̀
L
$p
e
v
$p
A
p
°_
yÑ D
Î
g
ÑO
_
L
$f
h
p
_
p
ÑL
$p
°C
Z̀
L
©$–
e
p
°L
°$‚
e
p
k
p
°.
11. Customer service
We’re here to help
If you have any questions or would like further information, please contact your Relationship Manager who will be happy to
help. You can also,
- Call our PhoneBanking service or
- Visit us at any of our branches or
- Write to us on our e-mail ID info@hsbc.co.in
Please note that all grievance/escalations should be marked to:
The Nodal Officer,
The Hongkong and Shanghai Banking Corporation Limited,
Rajalakshmi, No. 5 and 7, Cathedral Road,
Chennai - 600 086. India.
Nodal Officer e-mail: nodalofficerinm@hsbc.co.in
You may contact the Nodal Officer Team on +91-44-3911-1217 (Between 9:30 a.m. and 6:00 p.m.; from Monday to Friday).
1
1
.
J
´m
h
H
$
g
od
m
h̀
m
±h
_
A
m
n
H
$
s
_
X
X
H
o$
{
b
E
V
°`
m
a
h
¢
`
{
X
A
m
n
H
o$
H
$
m
oB
©‡
Ì
Z
h
¢`
m
A
m
n
A
m
°a
A
{
Y
H
$
O
m
Z
H
$
m
a
r
n
m
Z
m
M
m
h
V
oh
¢,
V
m
oH
•$
ǹ
m
A
n
Z
o[
a
b
oe
Z
{
e
n
_
°Z
oO
a
g
og
ßn
H
©$
H
$
a
|,
O
m
oA
m
n
H
$
s
g
h
mV̀
m
g
h
f
©H
$
a
|J
o.
A
m
n
H
o$
n
m
g
{
Z
Â
Z
m
ß{
H
$
V
{
d
H
$
Î
n
^
r
h
¢A
m
n
h
_
m
a
r
\
$
m
oZ
~
¢q
H
$
J
g
od
m
H
$
m
oH
$
m
∞b
H
$
a
g
H
$
V
oh
¢`
m
A
m
n
h
_
m
a
r
{
H
$
g
r
^
r
e
m
I
m
n
a
O
m
g
H
$
V
oh
¢`
m
A
m
n
h
_
|h
_
m
a
oB
©_
ob
info@hsbc.co.in n
a
{
b
I
g
H
$
V
oh
¢.
H
•$
ǹ
m
‹
`
m
Z
X
|{
H
$
g
^
r
{
e
H
$
mV̀
|/
‡
g
m
a
{
Z
Â
Z
H
og
_
j
‡
Ò
V
wV
{
H
$
E
O
m
Z
oM
m
{
h
E
:
Z
m
oS
>b
A
{
Y
H
$
m
a
r
,
X
h
m
ßJ
H
$
m
ßJ
E
ßS
>e
ßK
m
B
©~
¢q
H
$
J
H
$
m
∞n
m
}a
oe
Z
{
b
{
_
Q
>oS
>,
a
m
O
ḃ
_
r
,
H
´$
.
5
A
m
°a
7
,
H
°$
W
oS
¥>b
a
m
oS
>,
M
ofi
B
©6
0
0
0
8
6
,
^
m
a
V
Z
m
oS
>b
A
{
Y
H
$
m
a
r
B
©_
ob
:
nodalofficerinm@hsbc.co.in
A
m
n
Z
m
oS
>b
A
{
Y
H
$
m
a
r
Q
>r
_
g
o+
9
1
4
4
3
9
1
1
1
2
1
7
n
a
g
ßn
H
©$
H
$
a
g
H
$
V
oh
¢(
g
w~
h
9
.
3
0
g
oe
m
_
6
.
0
0
~
O
oH
o$
~
r
M
;
g
m
o_
d
m
a
g
oe
wH
´$
d
m
a
)
1
1
.
N
∞p
l
L
$k
°h
p
s
d
_
°k
l
p
e
Í
$`
\
h
p
_
u
A
d
_
°M
yi
u
\
i
°
≈
°s
d
_
°L
$p
°C
Z̀
‚
Ò
p
°l
p
°e
A
\
h
p
h
^
yd
p
r
l
s
u
≈
°C
s
u
l
p
°e
s
p
°L
©$ è
p
s
d
p
f
p
q
f
g
°i
_
r
ì
d
°_
°S
>
f
_
p
°k
Ñ L̀
Æ$L
$f
p
°,
S
>
°M
yi
u
\
u
s
d
_
°d
v
$v
$Í
$`
\
i
°.
D̀
f
p
Ñs
r
_
Á
_
r
g
r
M
s
r
h
L
$Î
`
Z̀
R
>
°.
A
d
p
f
u
a
p
°_
b
°[
fi
L
Ñ$N
k
r
h
Æk
f̀
L
$p
°g
L
$f
p
°,
A
\
h
p
A
d
p
f
u
L
$p
°C
Z̀
i
p
M
p
_
u
d
yg
p
L
$p
s
g
p
°,
A
\
h
p
A
l
]
g
M
p
°:
info@hsbc.co.in
L
©$ è
p
s
d
p
d
a
q
f
e
p
v
$p
°/
d
|ÑT
h
Z
p
°_
°A
L
$g
_
L
$g
A
l
]Z̀
d
p
°L
$g
h
u
:
^
_
p
°X
$g
A
p
°q
a
k
f
,
^
l
p
¢N
L
$p
¢N
A
°fi
X
$i
p
ÑO
p
C
b
°[
fi
L
Ñ$N
L
$p
° p̀
£f
°i
_
r
g
r
d
V
°$X
$,
f
p
S
>
ǧ
d
u
_
Ñ.
5
A
_
°6
,
L
$°\
°X
≤$g
f
p
°X
$,
Q
°fi
_
p
C
6
0
0
0
8
6
,
c
p
f
s
.
_
p
°X
$g
A
p
°q
a
k
f
C
d
°C
g
:
nodalofficerinm@hsbc.co.in
s
d
°_
p
°X
$g
A
p
°r
a
k
_
u
V
$u
d
_
p
°A
l
]
k
Ñ L̀
Æ$L
$f
u
i
L
$p
°R
>
p
°:
+
9
1
4
4
3
9
1
1
1
2
1
7
(
k
p
°d
h
p
f
\
u
i
yæ
$h
p
f
°k
h
p
f
°9
.
3
0
\
u
k
p
ÑS
>
°6
.
0
0
)
12. Disclosures
• You acknowledge our right to provide details of your account to third party agencies for the purpose of availing support
services of any nature by us, without any specific consent or authorisation from you or any joint applicants/add-on customers
• HSBC is required to provide information relating to credit history/repayment record of the customer to a credit information
company (specifically authorised by RBI), in terms of the Credit Information Companies (Regulation) Act, 2005; including
information relating to any default committed by the customer in discharge of the customer's obligation, as HSBC may deem
appropriate and necessary, with any existing or future credit bureaus/credit reference agencies as determined by HSBC
from time to time. Such entities may further make available processed information or data or products thereof to banks/
financial institutions and other credit grantors
• As per Indian Banks Association (IBA) guidelines, we provide information related to our charge on your property against the
credit facility availed by you, to the Central Registry of Securitisation Asset Reconstruction and Security Interest of India
(CERSAI). The information would reflect with CERSAI till your loan account is operational with us. We will de-register our
charge on CERSAI records within 30 working days of your loan closure.
• We have right to recall the loan in the event of you failing to submit all/any post disbursal documents as prescribed by us
• You should seek independent legal advice on the legal status of property being purchased. In case you approach our
empanelled lawyer for legal advice, they will do so on their own volition and we shall not be held liable for any disputes that
you may have with them
1
2
.
‡
H
$
Q
>r
H
$
a
U
∑
A
m
n
,
h
_
m
a
o¤
m
a
m
{
H
$
g
r
^
r
‡
H
$
m
a
H
$
s
g
h
mH̀
$
g
od
m
E
±C
n
b
„
Y
H
$
a
m
Z
oH
o$
C
‘
oÌ
`
g
oV
r
g
a
on
j
H
o A
{
^
H
$
a
U
m
|H
$
m
o,
A
m
n
H
o$
¤
m
a
m
`
m
{
H
$
g
r
g
ß`
w∫
$
A
m
d
oX
H
$
/
g
ß~
’
J
´m
h
H
$
m
|¤
m
a
m
{
~
Z
m
{
H
$
g
r
{
d
e
of
g
h
_
{
V
`
m
‡
m
{
Y
H
$
a
U
H
o,
$
A
m
n
H
o$
I
m
V
oH
$
m
{
d
d
a
U
‡
X
m
Z
H
$
a
Z
oH
oh
_
m
a
oA
{
Y
H
$
m
a
H
$
m
oÒ
d
r
H
$
m
a
H
$
a
V
oh
¢.
∑
E
M
E
g
~
r
g
r
H
$
m
oH
ó$
{
S
>Q
>g
yM
Z
m
H
ß$
n
Z
r
(
{
d
{
Z̀
_
Z
)
A
{
Y
{
Z̀
_
,
2
0
0
5
H
o$
g
ßX
^
©_
|J
´m
h
H
$
H
o$
g
m
I
A
V
r
V
/
n
wZ
^
w©J
V
m
Z
A
{
^
b
oI
g
og
ß~
ß{
Y
V
O
m
Z
H
$
m
a
r
H
ó{
S
>Q
>g
yM
Z
m
H
ß$
n
{
Z̀
m
|(
{
d
e
of
V
m
°a
n
a
A
m
a
~
r
A
m
B
©¤
m
a
m
‡
m
{
Y
H
•$
V
)
H
$
m
o‡
X
m
Z
H
$
a
Z
oH
$
s
A
m
d
Ì
H̀
$
V
m
h
m
oV
r
h
°;
J
´m
h
H
$
H
o$
X
m
{À̀
d
m
|H
o$
{
Z
d
©h
Z
_
|J
´m
h
H
$
¤
m
a
m
H
$
s
J
B
©{
H
$
g
r
^
yb
H
$
s
O
m
Z
H
$
m
a
r
g
{
h
V
,
O
m
oE
M
E
g
~
r
g
r
¤
m
a
m
{
H
$
g
r
{
d
⁄
_
m
Z
`
m
^
{
d
Ó
`
H
$
s
H
ó{
S
>Q
>„
`
ya
m
oµO
/
H
ó$
{
S
>Q
>a
o\
$
a
|g
oµO
E
O
|{
g̀
m
|H
o$
g
m
W
,
O
°g
m
g
_
`
g
_
`
n
a
E
M
E
g
~
r
g
r
¤
m
a
m
{
Z
Y
m
©[
a
V
{
H
$
`
m
O
m
E
,
C
{
M
V
A
m
°a
A
m
d
Ì
H̀
$
g
_
P
r
O
m
E
.
E
og
r
g
ßÒ
W
m
E
±A
m
J
o
C
g
H
$
s
‡
g
ßÒ
H
•$
V
O
m
Z
H
$
m
a
r
`
m
A
m
±H
$
ãS
>o`
m
C
À
n
m
X
m
|H
$
m
o~
¢H
$
m
|/
{
d
Œ
m
r
`
g
ßÒ
W
m
Z
m
|A
m
°a
A
›
`
G
$
U
‡
X
m
V
m
A
m
|H
$
m
oC
n
b
„
Y
H
$
a
d
m
g
H
$
V
r
h
¢.
∑
^
m
a
V
r
`
~
¢H
$
g
ßK
(
A
m
B
©~
r
E
)
H
o$
{
X
e
m
{
Z
X
}e
m
|H
o$
A
Z
wg
m
a
,
h
_
^
m
a
V
r
`
‡
{
V
^
y{
V
H
$
a
U
n
[
a
g
ßn
{
Œ
m
n
wZ
{
Z
©_
m
©U
V
W
m
g
wa
j
m
{
h
V
H
|$
–
r
`
n
ßO
r
H
$
a
U
(
g
r
B
©A
m
a
E
g
E
A
m
B
©)
H
$
m
oA
m
n
H
o$
¤
m
a
m
‡
m
·
H
$
s
J
B
©
H
ó$
{
S
>Q
>g
w{
d
Y
m
H
o$
‡
{
V
A
m
n
H
$
s
g
ßn
{
Œ
m
n
a
h
_
m
a
o‡
^
m
a
g
og
ß~
ß{
Y
V
O
m
Z
H
$
m
a
r
‡
X
m
Z
H
$
a
V
oh
¢.h̀
O
m
Z
H
$
m
a
r
g
r
B
©A
m
a
E
g
E
A
m
B
©H
o$
g
m
W
g
m
P
m
H
$
s
O
m
E
J
r
O
~
V
H
$
{
H
$
A
m
n
H
$
m
G
$
U
I
m
V
m
h
_
m
a
og
m
W
n
[
a
M
m
b
Z
_
|a
h
V
m
h
°.
h
_
A
m
n
H
o$
G
$
U
H
$
s
g
_
m
{
·
H
o$
3
0
{
X
Z
m
|H
o$
^
r
V
a
g
r
B
©A
m
a
E
g
E
A
m
B
©n
a
h
_
m
a
o‡
^
m
a
m
|H
$
m
oA
n
ßO
r
H
•$
V
H
$
a
X
|J
o.
∑
C
g
p
Ò
W
{
V
_
|O
~
A
m
n
g
ß{
d
V
a
U
H
o$
~
m
X
g
^
r
/
H
$
m
oB
©A
m
d
Ì
H̀
‡
b
oI
,
O
°g
m
h
_
m
a
o¤
m
a
m
{
Z
Y
m
©[
a
V
{
H
$
`
m
J̀
m
h
m
o,
‡
Ò
V
wV
H
$
a
Z
o_
|A
g
\
$
b
a
h
V
oh
¢,
V
~
h
_
m
a
on
m
g
G
$
U
H
$
m
od
m
n
g
~
wb
m
Z
oH
m
A
{
Y
H
$
m
a
g
wa
{
j
V
h
°.
∑
A
m
n
H
$
m
oI
a
r
X
r
O
m
a
h
r
g
ßn
{
Œ
m
H
$
s
H
$
m
Z
yZ
r
p
Ò
W
{
V
n
a
Ò
d
V
ßÃ
H
$
m
Z
yZ
r
g
b
m
h
b
oZ
m
M
m
{
h
E
.
C
g
p
Ò
W
{
V
_
|O
~
A
m
n
H
$
m
Z
yZ
r
g
b
m
h
H
o$
{
b
E
h
_
m
a
on
°Z
b
_
|e
m
{
_
b
d
H
$
s
b
m
|H
o$
n
m
g
n
h
˛±M
V
oh
¢,
d
oE
og
m
C
Z
H
$
s
Ò
d̀
ßH
$
s
_
O
u
g
oH
$
a
|J
oA
m
°a
h
_
A
m
n
H
o$
g
m
W
C
Z
H
o$
{
H
$
g
r
^
r
{
d
d
m
X
H
o$
{
b
E
{
µO
Â
_
oX
m
a
Z
h
t
R
>h
a
m
E
O
m
E
±J
o.
1
2
.
q
X
$ı
º
g
p
°T
k
Æ(
‚
N
V
$u
L
$f
Z
)
∑
s
d
° p̀
°s
p
_
u
L
°$L
$p
°C
Z̀
k
Ñe
yº
s
A
f
S
>
v
$p
f
/
A
°X
$A
p
°_
N
∞p
l
L
$p
° p̀
k
°\
u
L
$p
°C
Z̀
Q
p
°Ω
$k
k
Ñd
r
s
L
°$A
r
^
L
©$r
s
r
h
_
p
A
°Q
A
°k
b
u
k
u
‹
p
f
p
L
$p
°C
Z̀
‚
L
$p
f
_
uù
W
$b
m
k
°h
p
A
p
°d
°m
h
h
p
d
p
V
°$s
©s
u
e
ǹ
_
u
k
Ñı
\
p
A
p
°_
°N
∞p
l
L
$_
p
M
p
s
p
_
u
r
h
N
s
p
°A
p
h̀
p
d
p
V
°$A
°Q
A
°k
b
u
k
u
_
p
A
r
^
L
$p
f
_
°k
Ñd
r
s
A
p
p̀
°R
>
p
°.
∑
A
°Q
A
°k
b
u
k
u
,
s
°_
p
‹
p
f
p
k
d
e
p
Ñs
f
°_
Ω
$u
L
$f
p
e
s
°d
yS
>
b
L
$p
°C
Z̀
h
s
Æd
p
_
L
°$c
p
r
h
æ
°$q
X
$V
$Â
e
yf
p
°/
æ
°$q
X
$V
$k
Ñv
$c
Æk
Ñı
\
p
A
p
°k
p
\
°A
°Q
A
°k
b
u
k
u
_
°
e
p
°¡
e
A
_
°S
>
Í
$f
u
g
p
N
°s
°d
yS
>
b
N
∞p
l
L
$_
u
a
f
S
>Q
|L
$h
h
p
d
p
ÑL
$p
°C
Z̀
L
$k
|f
L
$f
°s
°d
p
r
l
s
u
k
r
l
s
æ
°$q
X
$V
$C
fi
a
p
°d
£i
_
L
Ñ$`
_
u
T
(
f
°¡
e
yg
°i
_
)
A
°º
V
$2
0
0
5
_
u
◊
r
Ù
$A
°æ
°$q
X
$V
$C
fi
a
p
°d
£i
_
L
Ñ$`
_
u
(
A
p
f
b
u
A
p
C
‹
p
f
p
M
p
k
A
r
^
L
©$s
)
_
°N
∞p
l
L
$_
p
D
^
p
f
/
`
y_
:
Q
yL
$h
Z
u
_
p
C
r
s
l
p
k
k
Ñb
Ñ^
u
d
p
r
l
s
u
A
p
h̀
u
A
p
h
Ì
e
L
$R
>
°.
A
p
h
u
k
Ñı
\
p
A
p
°b
°fi
L
$p
°/
_
p
Z
p
L
$u
e
k
Ñı
\
p
A
p
°A
_
°A
fi
e
F
>
Z
A
p
`
_
p
f
_
°‚
p
°k
°k
L
$f
°g
u
d
p
r
l
s
u
L
°$X
°$V
$p
L
°$‚
p
°X
$º
V
$p
° D̀
g
Â
^
L
$f
p
h
u
i
L
°$R
>
°.
∑
C
q
fi
X
$e
_
b
°fi
º
k
A
°k
p
°r
k
e
°i
_
(
A
p
C
b
u
A
°)
_
u
d
p
N
Æv
$r
i
ÆL
$p
A
_
yk
p
f
A
d
°k
°fi
V
≤$g
f
r
S
>
ı
V
≤$u
A
p
°a
r
k
º
e
yq
f
V
$p
C
T
°i
_
A
°k
°V
$q
f
L
$fi
ı
V
≤$L
$i
_
A
°fi
X
$r
k
º
e
yq
f
V
$u
C
fi
V
$f
°ı
V
$A
p
°a
C
[
fi
X
$e
p
(
k
u
C
A
p
f
A
°k
A
p
C
)
_
°s
d
p
f
p
‹
p
f
p
D̀
g
Â
^
æ
°$q
X
$V
$k
yr
h
^
p
k
p
d
°s
d
p
f
u
r
d
g
L
$s
f̀
A
d
p
f
p
v
$f
k
Ñb
Ñ^
u
d
p
r
l
s
u
A
d
°`
|f
u
p̀
X
$u
i
yÑ.
A
p
d
p
r
l
s
u
s
d
p
f
u
g
p
°_
A
d
p
f
up̀
k
°f
l
°i
°–
e
p
Ñk
y^
u
k
u
C
A
p
f
A
°k
A
°A
p
C
f̀
‚
v
$r
i
Æs
\
s
u
f
l
°i
°.
s
d
p
f
u
g
p
°_
_
yÑ º
g
p
°T
f
\
e
pR̀
>
u
3
0
L
$p
d
L
$p
S
>
_
p
r
v
$h
k
_
u
A
Ñv
$f
k
u
C
A
p
f
A
°k
A
p
C
f
°L
$p
°X
Æ$k
A
_
yk
p
f
A
d
p
f
p
v
$f
p
°_
°A
d
°X
$u
f
r
S
>
ı
V
$f
L
$f
u
i
yÑ.
∑
N
∞p
l
L
°$M
f
u
v
$u
L
$f
p
_
p
f
u
r
d
g
L
$s
_
u
L
$p
_
|_
u
[
ı
\
r
s
f̀
ı
h
s
Ñ”
L
$p
_
|_
u
k
g
p
l
g
°h
u
≈
°C
A
°.
≈
°N
∞p
l
L
$L
$p
_
|_
u
k
g
p
l
d
p
V
°$b
°fi
L
$_
u
`
°_
g
_
p
h
L
$u
g
_
p
°k
Ñ L̀
Æ$
L
$f
°s
p
°s
° p̀
°s
p
_
u
d
f
∆
\
u
A
°h
yÑ L
$f
i
°A
_
°A
°Q
A
°k
b
u
k
u
b
°fi
L
$_
p
A
p
`
°_
g
_
p
h
L
$u
g
k
p
\
°N
∞p
l
L
$_
°D
v
$c
h
_
p
f
p
L
$p
°C
Z̀
r
h
M
h
p
v
$p
°d
p
V
°$
A
°Q
A
°k
b
u
k
u
S
>
h
p
b
v
$p
f
_
l
]
f
l
°i
°.
13. Cross default and Cross collateralisation
Your default on any other credit facility agreement or arrangement with the Bank or its successors-in-interest or with any
of the affiliates or our Group companies, shall be deemed to be a default across all fund based or non-fund based facilities
availed of by you with any of our entities.
We shall, in the event of such default be entitled to exercise any or all our rights under the security documents executed by
you with any of our Group entities.
1
3
.
H
´$
m
∞g
{
S
>µ\
$
m
∞Î
Q
>A
m
°a
H
´$
m
∞g
H
$
m
ob
oQ
>a
b
m
B
µO
oe
Z
`
{
X
~
¢H
$
m
|`
m
{
h
V
Y
m
a
H
$
C
Œ
m
a
m
{
Y
H
$
m
[
a
`
m
|`
m
{
H
$
g
r
^
r
g
h̀
m
oJ
r
`
m
g
_
yh
H
$
s
H
ß$
n
{
Z̀
m
oß H
o$
g
m
W
{
H
$
g
r
A
›
`
G
$
U
g
w{
d
Y
m
H
$
a
m
a
`
m
Ï
d̀
Ò
W
m
n
a
A
m
n
H
$
s
M
yH
$
h
m
oV
r
h
°,
V
m
o h̀
h
_
m
a
o{
H
$
g
r
^
r
g
ßÒ
W
m
Z
H
o$
g
m
W
A
m
n
H
o$
¤
m
a
m
‡
m
·
H
$
s
J
B
©g
^
r
{
Z
{
Y
A
m
Y
m
[
a
V
`
m
J
°a
{
Z
{
Y
A
m
Y
m
[
a
V
g
w{
d
Y
m
A
m
|n
a
M
yH
$
g
_
P
r
O
m
E
J
r
.
h
_
,
E
og
r
M
yH
$
H
$
s
p
Ò
W
{
V
_
|A
m
n
H
o$
¤
m
a
m
g
ßn
m
{
X
V
g
wa
j
m
‡
b
oI
m
|H
o$
V
h
V
h
_
m
a
r
g
_
yh
g
ßÒ
W
m
A
m
|_
|g
o{
H
$
g
r
H
o$
^
r
g
m
W
h
_
m
a
o{
H
$
g
r
`
m
g
^
r
A
{
Y
H
$
m
a
m
|H
$
m
‡
`
m
oJ
H
$
a
Z
oH
o$
{
b
E
A
{
Y
H
•$
V
h
m
|J
o.
1
3
.
æ
$p
°k
q
X
$a
p
°Î
V
$A
_
°æ
$p
°k
L
$p
°g
°V
$f
g
p
C
T
°i
_
≈
°N
∞p
l
L
$A
°Q
A
°k
b
u
k
u
k
p
\
°L
$p
°C
Z̀
A
fi
e
F
>
Z
k
yr
h
^
p
L
$f
p
f
L
°$Ï
e
h
ı
\
p
L
°$s
°_
u
r
l
s
d
p
Ñk
d
p
h
q
X
$e
p
k
p
\
°L
°$A
°Q
A
°k
b
u
k
u
N
∞y`
_
u
L
Ñ$`
_
u
A
p
°k
p
\
°L
$p
°C
Z̀
k
Ñg
r
¡
_
s
p
°k
p
\
°L
$k
|f
L
$f
°s
p
°A
°Q
A
°k
b
u
k
u
_
u
L
$p
°C
Z̀
L
Ñ$`
_
u
A
p
° p̀
k
°\
u
N
∞p
l
L
$‹
p
f
p
D̀
g
Â
^
L
$f
°g
u
s
d
p
d
a
ÑX
$A
p
^
p
q
f
s
L
°$r
b
_
a
ÑX
$A
p
^
p
q
f
s
k
yr
h
^
p
A
p
°d
p
ÑL
$k
|f
L
$e
p
£N
Z
p
i
°.
A
°Q
A
°k
b
u
k
u
A
p
h
p
L
$k
|f
_
p
q
L
$ı
k
p
d
p
ÑL
$p
°C
Z̀
A
°Q
A
°k
b
u
k
u
N
∞y`
_
u
L
Ñ$`
_
u
A
p
°k
p
\
°N
∞p
l
L
$‹
p
f
p
A
d
g
L
$f
p
s
p
r
k
º
e
yq
f
V
$u
v
$ı
s
p
h
°≈
°l
°W
$m
s
°_
p
L
$p
°C
Z̀
L
°$s
d
p
d
A
r
^
L
$p
f
p
°_
p
° D̀
e
p
°N
L
$f
h
p
_
p
°A
r
^
L
$p
f
^
f
p
h
°R
>
°.
14. Tax Representation
You are responsible for fulfilling any obligation that you may have with respect to the filing of returns or other required
documentation in respect of and the payment of all relevant taxes, including, without limitation, all income, capital gains,
wealth and estate duties, stamp duties, service tax, value added tax and any other applicable taxes. The creation and
continued operation of your account and/or the acquisition, holding or disposal of investments or assets in such account, as
well as any income, distributions or losses realized in relation to the operation of the account may expose you to tax
consequences depending on a number of factors including, but not limited to, your applicable domicile, your place of
residence, your citizenship or the type of assets you hold in your account. Certain countries may have tax legislation with
extraterritorial effect regardless of your place of domicile, residence or citizenship. The Bank does not provide any legal or tax
advice and you should seek legal and/or tax advice from an independent legal and/or tax adviser. You acknowledge and
agree that the Bank has no liability in respect of any of your tax obligations and/ or any legal and/or tax advice provided to
you by third parties.
1
4
.
H
$
a
‡
{
V
{
Z
{
Y
À
d
E
M
E
g
~
r
g
r
A
m
n
{
H
$
g
r
^
r
X
m
{À̀
d
H
$
m
on
ya
m
H
$
a
Z
oH
o$
{
b
E
{
O
Â
_
oX
m
a
h
¢O
m
o~
J
°a
g
r
_
m
,
g
^
r
A
m,̀
_
yb
b
m
^
,
g
ßn
{
Œ
m
A
m
°a
^
yg
ßn
{
Œ
m
e
wÎ
H
$
,
Ò
Q
>m
ßn
e
wÎ
H
$
,
g
od
m
e
wÎ
H
$
,
_
yÎ̀
d
{
Y
©V
H
$
a
A
m
°a
A
›
`
H
$
m
oB
©b
m
J
y
H
$
a
g
{
h
V
g
^
r
g
ßX
{
^
©V
H
$
a
m
|H
o$
g
ß~
ßY
_
|A
m
°a
^
wJ
V
m
Z
_
|‡
{
V
b
m
^
X
O
©H
$
a
m
Z
o(
[
a
Q
>Z
©\
$
m
B
b
H
$
a
Z
o)
`
m
A
›
`
A
m
d
Ì
H̀
$
‡
b
oI
Z
H
$
a
Z
oH
o$
g
m
n
oj
A
m
n
H
o$
{
b
E
h
m
og
H
$
V
m
h
°.
A
m
n
H
o$
I
m
V
oH
$
m
[
Z
_
m
©U
A
m
°a
{
Z
a
ßV
a
n
[
a
M
m
b
Z
A
m
°a
/̀
m
E
og
oI
m
V
o_
|{
Z
d
oe
m
|`
m
g
ßn
{
Œ
m
`
m
|H
$
m
A
{
Y
J
´h
U
,
O
_
m
`
m
{
Z
n
Q
>m
Z
H
o$
g
m
W
h
r
g
m
W
I
m
V
oH
o$
g
ßM
m
b
Z
_
|X
oI
r
J
B
©H
$
m
oB
©A
m,̀
{
d
V
a
U
`
m
h
m
{
Z̀
m
|H
o$
{
b
E
A
m
n
H
$
m
oH
$
a
n
[
a
U
m
_
m
|
H
$
m
g
m
_
Z
m
H
$
a
Z
m
n
ãS
>g
H
$
V
m
h
°,
O
m
oH
$
B
©V
œ̀
m
|n
a
{
Z
^
©a
H
$
a
V
oh
¢,
{
O
Z
_
|A
m
n
H
$
m
b
m
J
y{
Z
d
m
g
r
,
A
m
n
H
$
m
{
Z
d
m
g
H
$
m
Ò
W
m
Z
,
A
m
n
H
$
s
Z
m
J
[
a
H
$
V
m
`
m
A
m
n
H
o$
I
m
V
o_
|g
ßn
{
Œ
m
H
$
m
‡
H
$
m
a
e
m
{
_
b
h
¢,
n
a
`
oB
›
h
t
V
H
$
g
r
{
_
V
Z
h
t
h
¢.
H
w$
N
>X
oe
m
|_
|A
m
n
H
o$
{
Z
d
m
g
Ò
W
m
Z
,
{
Z
d
m
g
`
m
Z
m
J
[
a
H
$
V
m
n
a
‹
`
m
Z
{
X
E
~
J
°a
,
A
n
a
X
oe
r
`
‡
^
m
d
H
o$
g
m
W
H
$
a
H
$
m
Z
yZ
h
m
og
H
$
V
oh
¢.
~
¢H
$
H
$
m
oB
©H
$
m
Z
yZ
r
`
m
H
$
a
g
ß~
ßY
r
g
b
m
h
Z
h
t
X
oV
m
A
m
°a
A
m
n
H
$
m
o{
H
$
g
r
Ò
d
V
ßÃ
H
$
m
Z
yZ
r
A
m
°a
/̀
m
H
$
a
n
a
m
_
e
©X
m
V
m
g
oH
$
m
Z
yZ
r
A
m
°a
/̀
m
H
$
a
n
a
m
_
e
©b
oZ
m
M
m
{
h
E
.
A
m
n
Ò
d
r
H
$
m
a
H
$
a
V
oh
¢A
m
°a
g
h
_
{
V
X
oV
oh
¢{
H
$
A
m
n
H
o$
{
H
$
g
r
^
r
H
$
a
X
m
{À̀
d
H
o$
g
ß~
ßY
_
|
A
m
°a
/̀
m
V
r
g
a
on
j
¤
m
a
m
‡
X
m
Z
{
H
$
E
J
E
{
H
$
g
r
H
$
m
Z
yZ
r
A
m
°a
/̀
m
H
$
a
n
a
m
_
e
©H
o$
{
b
E
~
¢H
$
H
$
s
H
$
m
oB
©X
o V̀
m
Z
h
t
h
°.
1
4
.
L
$f
A
p
g
°M
_
b
°fi
L
$A
_
s
d
°L
$p
°C
Z̀
d
e
p
Æv
$p
r
h
_
p
,
s
d
p
d
A
p
h
L
$,
d
|X
$u
g
p
c
p
°,
k
Ñ r̀
—
A
_
°r
d
g
L
$s
h
°f
p
A
p
°,
ı
V
°$Á
`
X
$È
yV
$u
,
k
°h
p
L
$f
,
d
|Î
e
h
r
^
Æs
L
$f
A
_
°L
$p
°C
Z̀
A
fi
e
g
p
N
yL
$f
p
°k
r
l
s
s
d
p
d
k
yk
ÑN
s
L
$f
p
°_
u
Q
yL
$h
Z
u
A
_
°s
°k
Ñb
Ñ^
d
p
ÑA
fi
e
A
p
h
Ì
e
L
$v
$ı
s
p
h
°∆
L
$f
Z
A
\
h
p
q
f
V
$fi
k
Æa
p
C
g
L
$f
h
p
k
Ñb
Ñ^
d
p
Ñs
d
p
f
u
l
p
°C
i
L
°$s
°L
$p
°C
Z̀
S
>
h
p
b
v
$p
f
uq̀
f
`
|Z
ÆL
$f
h
p
_
u
s
d
p
f
u
a
f
S
>R
>
°.
s
d
p
f
yÑ M
p
s
yÑ r
_
d
p
ÆZ
L
$f
h
yÑ A
_
°L
$p
d
N
u
f
u
Q
p
g
yf
p
M
h
u
A
_
°/
A
\
h
p
A
p
h
p
M
p
s
p
d
p
Ñf
p
°L
$p
Z
p
°L
°$
A
ı
L
$e
p
d
s
p
°l
ı
s
N
s
,
^
f
p
h
h
u
L
°$r
_
L
$p
g
L
$f
h
p
°s
°d
S
>M
p
s
p
_
u
L
$p
d
N
u
f
u
k
Ñb
Ñ^
d
p
ÑL
$p
°C
Z̀
A
p
h
L
$,
r
h
s
f
Z
L
°$\
e
°g
yÑ _
yL
$k
p
_
_
°g
u
^
°s
d
p
f
yÑ g
p
N
y
X
$p
°r
d
k
p
C
g
,
s
d
p
f
yÑ r
_
h
p
k
ı
\
m
,
s
d
p
f
yÑ _
p
N
q
f
L
$–
h
A
\
h
p
s
d
p
f
p
M
p
s
p
d
p
Ñs
d
°^
f
p
h
s
p
l
p
°s
°A
ı
L
$e
p
d
s
p
°_
p
‚
L
$p
f
_
°d
e
p
Æq
v
$s
_
l
]
s
°_
p
k
r
l
s
O
Z
p
Ñ
b
^
p
Ñ q̀
f
b
m
p
°_
°A
p
^
p
f
°L
$f
q̀
f
Z
p
d
p
°s
d
_
°c
p
°N
h
h
p
_
p
f
l
°i
°.
A
d
yL
$v
°$i
p
°d
p
Ñs
d
p
f
yÑ X
$p
°r
d
k
p
C
g
,
r
_
h
p
k
L
°$_
p
N
q
f
L
$–
h
_
yÑ ı
\
m
N
d
°s
°l
p
°e
s
p
° Z̀
‚
v
$°i
p
°—
f
A
k
f
k
p
\
°L
$f
^
p
f
p
^
f
p
h
u
i
L
°$R
>
°.
b
°fi
L
$L
$p
°C
L
$p
_
|_
u
L
°$L
$f
k
g
p
l
A
p
s̀
u
_
\
u
A
_
°s
d
p
f
°ı
h
s
Ñ”
L
$p
_
|_
u
A
_
°/
L
$f
k
g
p
l
L
$p
f
p̀
k
°\
u
L
$p
_
|_
u
A
_
°/
A
\
h
p
L
$f
k
g
p
l
g
°h
u
≈
°C
A
°.
s
d
° l̀
p
¢Q
A
_
°k
Ñd
s
A
p
p̀
°R
>
p
°L
°$b
°fi
L
$_
u
s
d
p
f
u
L
$f
S
>
h
p
b
v
$p
f
u
A
p
°A
_
°/
A
\
h
p
s
©s
u
e
ǹ
p
°‹
p
f
p
s
d
_
° À
p
C
l
p
°e
s
°h
u
L
$p
°C
Z̀
L
$p
_
|_
u
A
_
°/
A
\
h
p
L
$f
k
g
p
l
k
Ñb
Ñ^
d
p
Ñb
°fi
L
$S
>
h
p
b
v
$p
f
_
\
u
.
15. Smart Home/SmartLAP EMI calculation
Equated Monthly Instalment (EMI) means the amount of monthly payment consisting of principal and interest necessary to
amortise the Smart Home Credit Facility amount/Smart Loan Against Property Credit Facility amount with applicable interest
within such period as may be determined by the Bank from time to time. The EMI of your loan is calculated based on 372
days in a year.
The interest will be computed on the outstanding ledger balance on a monthly basis based on the actual number of days.
The principal amount will be the difference between the EMI and the interest amount calculated for the month.
1
5
.
Ò
_
m
Q
>©h
m
o_
/
Ò
_
m
Q
>©E
b
E
n
r
B
©E
_
A
m
B
©J
U
Z
m
g
_
m
{
Z
V
_
m
{
g
H
$
{
H
$
Ì
V
(
B
©E
_
A
m
B
©)
>H
$
m
V
m
À
ǹ
©_
m
{
g
H
$
^
wJ
V
m
Z
H
$
s
d
h
a
m
{
e
h
°{
O
g
_
|_
yb
A
m
°a
Ò
_
m
Q
>©h
m
o_
H
ó$
{
S
>Q
>\
o$
{
g
{
b
Q
>r
a
m
{
e
/
b
m
J
y„
`
m
O
H
o$
g
m
W
Ò
_
m
Q
>©b
m
oZ
A
J
|Ò
Q
>‡
m
∞n
Q
>u
H
ó$
{
S
>Q
>\
o$
{
g
{
b
Q
>r
a
m
{
e
g
ß~
ßY
r
G
$
U
M
wH
$
m
Z
oH
o$
{
b
E
A
m
d
Ì
H̀
$
„
`
m
O
g
p
Â
_
{
b
V
h
°,
C
g
A
d
{
Y
H
o$
^
r
V
a
,
O
m
o{
H
$
g
_
-̀
g
_
`
n
a
~
¢H
$
¤
m
a
m
{
Z
Y
m
©[
a
V
H
$
s
O
m
V
r
h
°.
A
m
n
H
o$
G
$
U
H
$
s
B
©E
_
A
m
B
©H
$
s
J
U
Z
m
E
H
$
d
f
©_
o3
7
2
{
X
Z
m
|
H
o$
A
m
Y
m
a
n
a
H
$
s
O
m
V
r
h
°.
„
`
m
O
H
$
s
J
U
Z
m
{
X
Z
m
|H
$
s
d
m
Ò
V
{
d
H
$
g
ߪ̀
m
H
o$
A
m
Y
m
a
n
a
_
m
{
g
H
$
A
m
Y
m
a
n
a
~
H
$
m
`
m
b
oO
a
~
°b
|g
n
a
H
$
s
O
m
E
J
r
.
_
yb
Y
Z
B
©E
_
A
m
B
©A
m
°a
_
h
r
Z
oH
o$
{
b
E
n
[
a
H
$
{
b
V
„
`
m
O
a
m
{
e
H
o$
~
r
M
H
$
m
A
ßV
a
h
m
oJ
m
.
1
5
.
ı
d
p
V
Æ$l
p
°d
/
ı
d
p
V
Æ$A
°g
A
° ù
C
A
°d
A
p
C
N
Z
s
f
u
C
º
h
°V
°$X
$d
Ñ\
g
u
C
fi
ı
V
$p
°g
d
°fi
V
$(
C
A
°d
A
p
C
A
°L
$k
d
p
_
d
p
r
k
L
$l
‡
s
p
)
_
p
°A
\
Æb
°fi
L
$‹
p
f
p
k
d
e
p
Ñs
f
°r
_
r
Ú
s
L
$f
p
C
i
L
°$s
°d
yS
>
b
A
p
h
p
k
d
e
N
p
m
p
d
p
Ñg
p
N
y
Ï
e
p
S
>k
p
\
°ı
d
p
V
Æ$l
p
°d
æ
°$q
X
$V
$a
°r
k
r
g
V
$u
f
L
$d
/
ı
d
p
V
Æ$g
p
°_
A
N
°C
fi
ı
V
$‚
p
° V̀
$}
æ
°$q
X
$V
$a
°r
k
r
g
V
$u
f
L
$d
_
°A
d
p
°V
$p
ÆC
T
L
$f
h
yÑ S
>
Í
$f
u
d
|m
f
L
$d
A
_
°Ï
e
p
S
>
_
p
°k
d
p
h
°i
^
f
p
h
s
u
d
p
r
k
L
$Q
yL
$h
Z
u
_
u
f
L
$d
A
°h
p
°\
p
e
R
>
°.
s
d
p
f
u
g
p
°_
_
u
C
A
°d
A
p
C
h
j
Æd
p
Ñ3
7
2
q
v
$h
k
_
p
^
p
°f
Z
°N
Z
s
f
u
L
$f
p
i
°.
Ï
e
p
S
>q
v
$h
k
p
°_
u
h
p
ı
s
r
h
L
$
k
Ñø
e
p
_
°A
p
^
p
f
°d
p
r
k
L
$^
p
°f
Z
°A
p
D
V
$ı
V
°$t
fi
X
N
g
°S
>
f
b
°g
°fi
k
f̀
N
Z
s
f
u
L
$f
p
i
°.
d
|m
f
L
$d
d
r
l
_
p
d
p
V
°$N
Z
s
f
u
L
$f
p
s
p
C
A
°d
A
p
C
A
_
°Ï
e
p
S
>
_
u
f
L
$d
h
√
Q
°_
p
°s
a
p
h
s
f
l
°i
°.
16. Change of address
You need to notify the Bank regarding change of residential address due to relocation or any other reason and you need to
intimate the new address to the Bank within two weeks of such a change.
1
6
.
n
V
o_
|n
[
a
d
V
©Z
A
m
n
H
$
m
oÒ
W
m
Z
n
[
a
d
V
©Z
`
m
{
H
$
g
r
A
›
`
H
$
m
a
U
g
oA
m
d
m
g
r
`
n
V
oH
o$
n
[
a
d
V
©Z
H
o~
m
a
o_
|~
¢H
$
H
$
m
og
y{
M
V
H
$
a
Z
oH
$
s
A
m
d
Ì
H̀
$
V
m
h
m
oV
r
h
°A
m
°a
B
g
‡
H
$
m
a
H
o$
{
H
$
g
r
n
[
a
d
V
©Z
H
o$
X
m
og
·
m
h
m
|H
o$
^
r
V
a
A
m
n
H
$
m
o~
¢H
$
H
$
m
oZ
E
n
V
oH
$
s
g
yM
Z
m
X
oZ
r
h
m
oJ
r
.
1
6
.
k
f
_
p
d
yÑ b
v
$g
u
s
d
p
f
°ı
\
m
b
v
$g
h
p
_
°g
u
^
°A
\
h
p
L
$p
°C
Z̀
A
fi
e
L
$p
f
Z
k
f
r
_
h
p
k
u
k
f
_
p
d
yÑ b
v
$g
u
L
$f
h
u
k
Ñb
Ñ^
d
p
Ñb
°fi
L
$_
°≈
Z
L
$f
h
yÑ S
>
Í
$f
u
R
>
°A
_
°A
p
h
p
a
°f
a
p
f
_
p
k
Ñ≈
°N
p
°d
p
Ñb
°k
‡
s
p
l
d
p
Ñb
°fi
L
$_
°_
h
p
k
f
_
p
d
p
_
u
≈
Z
L
$f
h
u
S
>
Í
$f
u
R
>
°.
17. Foreign Exchange Management Act, 1999 (FEMA) guidelines for non-resident Indians
Loans disbursed to you should not be utilised for any of the activities listed herewith; the business of chit fund, or nidhi
company , or agricultural or plantation activities or in real estate business, or construction of farm houses; or trading in
Transferable Development Rights (TDRs) investment in capital market including margin trading and derivatives.
You are required to ensure that the loan amount disbursed to you is not remitted outside India. You should also ensure that
the loan disbursed to you is not credited into your NRE/FCNR (B) accounts.
You are required to note that the repayment of loans can be only made by the below mentioned modes:
• Home Loans / Smart Home – NRE/NRO/Inward remittance/Relatives bank account
• Loan against property (LAP) / Smart LAP – NRE/NRO/Inward remittance.
1
7
.
{
d
X
oe
r
_
w–
m
‡
~
ßY
Z
A
{
Y
{
Z̀
_
,
1
9
9
9
(
\
o$
_
m
)
A
‡
d
m
g
r
^
m
a
V
r
m̀
|H
o$
{
b
E
{
X
e
m
{
Z
X
}e
A
m
n
H
$
m
o{
d
V
[
a
V
{
H
$
`
m
J̀
m
G
$
U
B
g
H
o$
g
m
W
g
yM
r
~
’
{
H
$
g
r
J
{
V
{
d
{
Y
H
o$
{
b
E
C
ǹ
m
oJ
Z
h
t
{
H
$
`
m
O
m
Z
m
M
m
{
h
E
;
{
M
Q
>\
ß$
S
>Ï
d̀
g
m,̀
`
m
{
Z
{
Y
H
ß$
n
Z
r
,
`
m
H
•$
{
f
`
m
~
m
J
d
m
Z
r
J
{
V
{
d
{
Ỳ
m
±`
m
A
M
b
g
ßn
{
Œ
m
Ï
`
m
n
m
a
`
m
\
$
m
_
©h
m
C
g
m
|H
o$
{
Z
_
m
©U
;
`
m
n
y±O
r
~
m
O
m
a
_
|Q
¥>m
ßg
\
$
a
o~
b
S
>od
b
n
_
|Q
>a
m
B
Q
≤>g
(
Q
>r
S
>r
A
m
a
)
{
Z
d
oe
_
|Ï
`
m
n
m
a
,
{
O
g
_
|_
m
{
O
©Z
Q
¥>oq
S
>J
A
m
°a
S
>o[
a
d
o{
Q
>d
e
m
{
_
b
h
°.
A
m
n
H
$
m
o h̀
g
w{
Z
p
Ì
M
V
H
$
a
Z
oH
$
s
A
m
d
Ì
H̀
$
V
m
h
°{
H
$
A
m
n
H
$
m
o{
d
V
[
a
V
H
$
s
J
B
©G
$
U
a
m
{
e
A
m
n
H
o$
E
Z
A
m
a
B
©/
E
\
$
g
r
E
Z
A
m
a
(
~
r
)
I
m
V
m
|_
|O
_
m
Z
h
t
{
H
$
`
m
J̀
m
h
°.
A
m
n
H
$
m
o‹
`
m
Z
X
oZ
oH
$
s
O
Í
$
a
V
h
°{
H
$
G
$
U
m
|H
$
m
n
wZ
^
©wJ
V
m
Z
{
g
\
©$
{
Z
Â
Z
m
ß{
H
$
V
V
a
r
H
$
m
|g
oh
r
{
H
$
`
m
O
m
g
H
$
V
m
h
°:
∑
J
•h
G
$
U
/
Ò
_
m
Q
>©h
m
o_
E
Z
A
m
a
B
©/
E
Z
A
m
a
A
m
o/
A
m
d
H
$
{
d
‡
of
U
/
[
a
Ì
V
oX
m
a
m
|H
$
m
~
¢H
$
I
m
V
m
∑
g
ßn
{
Œ
m
H
o$
{
d
È
’
G
$
U
(
E
b
E
n
r
)
/
Ò
_
m
Q
>©E
b
E
n
r
E
Z
A
m
a
B
©/
E
Z
A
m
a
A
m
o/
A
m
d
H
$
{
d
‡
of
U
1
7
.
r
b
_
r
_
h
p
k
u
c
p
f
s
u
e
p
°d
p
V
°$a
p
°f
°_
A
°º
k
Q
°fi
S
>d
°_
°S
>
d
°fi
V
$A
°º
V
$1
9
9
9
(
A
°C
A
°d
A
°)
d
p
N
Æv
$r
i
ÆL
$p
s
d
_
° À
p
e
°g
u
g
p
°_
r
Q
V
$a
ÑX
$_
p
°h
° p̀
f
L
°$r
_
r
^
L
Ñ$`
_
u
L
°$L
©$r
j
L
°$h
©n
p
f
p
° Z̀
‚
h
©r
—
L
°$q
f
e
g
A
°ı
V
°$V
$_
p
^
Ñ^
p
d
p
ÑL
°$a
p
d
Æl
p
D
k
_
p
b
p
Ñ^
L
$p
d
d
p
ÑA
\
h
p
d
p
r
S
>
Æ_
V
≤°$q
X
Ñ$N
A
_
°X
°$q
f
h
°q
V
$Ï
T
k
r
l
s
d
|X
$u
b
≈
f
d
p
ÑV
≤$p
fi
k
a
f
°b
g
X
°$h
g̀
d
°fi
V
$f
p
C
V
π$k
(
V
$u
X
$u
A
p
f
)
d
p
ÑV
≤°$q
X
Ñ$N
k
r
l
s
A
l
]
A
p
`
°g
u
e
p
v
$u
d
p
Ñ\
u
L
$p
°C
Z̀
‚
h
©r
—
d
p
V
°$
D̀
e
p
°N
_
L
$f
i
p
°.
s
d
_
°r
h
s
f
Z
L
$f
h
p
d
p
ÑA
p
h
°g
u
g
p
°_
s
d
°c
p
f
s
b
l
p
f
_
l
]
d
p
°L
$g
p
°s
°_
u
M
p
s
f
u
A
p
h̀
u
A
p
h
Ì
e
L
$R
>
°.
s
d
p
f
°A
° Z̀
M
p
s
f
u
f
p
M
h
u
≈
°C
A
°L
°$s
d
_
°
r
h
s
f
Z
L
$f
p
e
°g
u
g
p
°_
s
d
p
f
p
A
°_
A
p
f
C
/
A
°a
k
u
A
°_
A
p
f
(
b
u
)
M
p
s
p
d
p
ÑS
>
d
p
_
l
]
L
$f
p
i
°.
s
d
_
°A
°_
p
¢^
L
$f
h
p
_
u
r
h
_
Ñs
u
R
>
°L
°$g
p
°_
_
u
`
y_
:
Q
yL
$h
Z
u
a
º
s
r
_
Á
_
r
g
r
M
s
d
p
›
e
d
p
°\
u
S
>L
$f
u
i
L
$p
i
°:
∑
l
p
°d
g
p
°_
/
ı
d
p
V
Æ$l
p
°d
A
°_
A
p
f
C
/
A
°_
A
p
f
A
p
°/
C
fi
h
X
Æ$f
°r
d
V
$fi
k
/
k
Ñb
Ñ^
u
_
yÑ b
°fi
L
$M
p
s
yÑ
∑
g
p
°_
A
N
°C
fi
ı
V
$‚
p
° V̀
$}
(
A
°g
A
° ù
)
/
ı
d
p
V
Æ$A
°g
A
° ù
A
°_
A
p
f
C
/
A
°_
A
p
f
A
p
°/
C
fi
h
X
Æ$f
°r
d
V
$fi
k
.
18. General points
You should read this application form and the loan facility related documents and the loan agreement carefully; understand
its contents before signing them. You should seek legal advice from your lawyers to ensure that you understand the contents,
your obligations and the full consequences of signing it.
These terms and conditions and those pertaining to any services provided by the Bank may, at the Bank's sole discretion,
be changed from time to time upon giving the accountholder prior notice by way of display in the Bank's premises or by such
other method as the Bank may decide.
If the accountholder does not close the account or cancel the services prior to the expiry of the notice period, the
accountholder shall be deemed to have agreed to such change.
1
8
.
g
m
_
m
›
`
{
~
›
X
˛
A
m
n
H
$
m
og
m
d
Y
m
Z
r
n
yd
©H
$h̀
A
m
d
oX
Z
‡
n
Ã
A
m
°a
G
$
U
g
w{
d
Y
m
g
og
ß~
ß{
Y
V
‡
b
oI
m
|d
G
$
U
A
Z
w~
ßY
H
$
m
on
ãT
>Z
m
M
m
{
h
E
;
B
Z
n
a
h
Ò
V
m
j
a
H
$
a
Z
oH
o$
n
yd
©B
g
_
oß {
Z
{
h
V
g
m
_
J
´r
H
$
m
og
_
P
|o.
A
m
n
H
$
m
o h̀
g
w{
Z
p
Ì
M
V
H
$
a
Z
oH
o$
{
b
E
A
n
Z
od
H
$
s
b
g
oH
$
m
Z
yZ
r
g
b
m
h
b
oZ
m
M
m
{
h
E
,
{
H
$
A
m
n
{
Z
{
h
V
g
m
_
J
´r
,
A
m
n
H
o$
X
m
{À̀
d
m
|A
m
°a
B
g
n
a
h
Ò
V
m
j
a
H
$
a
Z
oH
o$
n
ya
on
[
a
U
m
_
m
|H
$
m
og
_
P
V
oh
¢.
`
o{
Z̀
_
A
m
°a
e
V
]A
m
°a
d
o~
m
V
|O
m
o~
¢H
$
¤
m
a
m
‡
X
Œ
m
{
H
$
g
r
g
od
m
A
m
|g
og
ß~
’
h
m
o,
d
o~
¢H
$
H
o$
Ò
d̀
ßH
o$
{
d
d
oH
$
n
a
g
_
-̀
g
_
`
n
a
I
m
V
m
Y
m
a
H
$
m
|H
$
m
o~
¢H
$
^
d
Z
_
|h
r
n
yd
©g
yM
Z
m
‡
X
{
e
©V
H
$
a
`
m
B
g
V
a
h
H
o$
A
›
`
V
a
r
H
$
m
oß g
o{
O
g
n
a
~
¢H
$
{
Z
U
©`
b
og
H
$
V
m
h
°,
n
[
a
d
{
V
©V
H
$
s
O
m
g
H
$
V
r
h
°.
`
{
X
I
m
V
m
Y
m
a
H
$
g
yM
Z
m
H
$
s
A
d
{
Y
H
og
_
m
·
h
m
oZ
oH
o$
n
yd
©I
m
V
m
~
ßX
Z
h
t
H
$
a
V
m
h
°`
m
g
od
m
A
m
|H
$
m
o{
Z
a
Ò
V
Z
h
t
H
$
a
V
m
h
°,
V
~
h̀
g
_
P
m
O
m
E
J
m
{
H
$
I
m
V
m
Y
m
a
H
$
E
og
on
[
a
d
V
©Z
H
o$
{
b
E
g
h
_
V
h
°.
1
8
.
k
p
d
p
fi
e
d
yÿ
p
A
p
°:
s
d
p
f
°A
p
A
f
∆
`
”
L
$A
_
°g
p
°_
k
yr
h
^
p
k
Ñb
Ñ^
u
v
$ı
s
p
h
°≈
°A
_
°g
p
°_
L
$f
p
f
L
$p
m
∆
`
|h
ÆL
$h
p
ÑQ
h
p
≈
°C
A
°A
_
°s
°_
uf̀
k
l
u
L
$f
s
pl̀
°g
p
s
°d
p
Ñ_
p
d
yÿ
p
A
p
°
k
d
∆
g
°h
p
≈
°C
A
°.
s
d
°d
yÿ
p
A
p
°,
s
d
p
f
u
S
>
h
p
b
v
$p
f
u
A
p
°A
_
°k
l
u
L
$f
h
p
_
p
ÑA
°L
Ñ$v
$f
q̀
f
Z
p
d
p
°r
h
i
°s
d
p
f
p
h
L
$u
g
p̀
k
°\
u
L
$p
_
|_
u
k
g
p
l
g
C
i
L
$p
°R
>
p
°.
A
p
r
_
e
d
p
°A
_
°i
f
s
p
°A
_
°b
°fi
L
$‹
p
f
p
`
|f
uX̀
$p
s
u
L
$p
°C
Z̀
k
°h
p
A
p
°b
°fi
L
$_
u
A
°L
$d
°h
d
f
∆
A
°b
°fi
L
$_
p
k
ÑL
y$g
d
p
Ñ‚
v
$r
i
Æs
L
$f
u
_
°A
\
h
p
b
°fi
L
$_
Ω
$u
L
$f
°s
°
A
p
h
u
A
fi
e
Ÿ̀
r
s
‹
p
f
p
M
p
s
p
^
p
f
L
$_
°`
|h
Æk
|Q
_
p
A
p
ù
_
°k
d
e
p
Ñs
f
°b
v
$g
u
L
$f
p
C
i
L
°$R
>
°.
≈
°M
p
s
p
^
p
f
L
$k
|Q
_
p
_
p
°k
d
e
N
p
m
p
°`
|f
p
°\
e
pl̀
°g
p
M
p
s
yÑ b
Ñ^
_
l
]
L
$f
°L
°$k
°h
p
A
p
°f
v
$b
p
s
g
_
l
]
L
$f
°s
p
°M
p
s
p
^
p
f
L
$A
p
h
p
a
°f
a
p
f
_
°k
Ñd
s
l
p
°h
p
_
yÑ N
Z
h
p
d
p
Ñ
A
p
h
i
°.
TELL US ABOUT YOURSELF /
h
_
oß A
n
Z
o~
m
a
o_
|~
V
m
E
ß/ A
d
_
°s
d
p
f
p
r
h
i
°≈
Z
L
$p
f
u
A
p
p̀
°
l
A
f
S
>
v
$p
f
g
h
A
m
d
oX
H
$k
A
m
d
oX
H
$ A
f
S
>
v
$p
f
Title /n
X
d
r
/i
u
j
ÆL
$
✔
p
d
Name / Z
m
_
/_
u
Mr./ l
rÓ
Ms./ H
y$.
w$
_
m
a
rL
Mrs./ l
u
d
s
u
r
_
V
rÓ
$p
°.
>m
∞.X
Dr./ S
Others/ A
A
fi
e
p
°
›
`
Affix
passport size
photograph
here and sign
across
‚
\
d
h
b
m
/
First/ n
Middle/ _
h
Q
g
yÑ
‹
/̀
Last/A
ß{
V
_
R
>
°Î
g
yÑ
u
Mr./ l
rÓ
Ms./ H
y$.
w$
_
m
a
rL
Mrs./ l
u
d
s
u
r
_
V
rÓ
$p
°.
>m
∞.X
Dr./ S
Others/ A
A
fi
e
p
°
›
`
Affix
passport size
photograph
here and sign
across
‚
\
d
h
b
m
/
First/ n
Middle/ _
h
Q
g
yÑ
‹
/̀
Last/A
ß{
V
_
R
>
°Î
g
yÑ
9
n
yd
©/
A
›
`
Z
m
_
9
A
N
p
D
_
yÑ/ A
fi
e
_
p
d
n
wÈ
f
`
yf
yj
V
m
a
r
I
s
p
f
u
M
Gender and Date of birth
q
b
J
A
m
°a
O
›
_
V
m
a
r
I
g
]
N
A
_
°S
>
fi
d
s
p
f
u
M
DD/MM/YYYY
u
_
{
h
b
m˜
{
X
Z
/
_
m
g
/
d
f
©q
v
$q
v
$/
d
d
/
h
h
h
h
n
wÈ
f
`
yf
yj
V
m
a
r
I
s
p
f
u
M
DD/MM/YYYY
u
_
{
h
b
m˜
{
X
Z
/
_
m
g
/
d
f
©q
v
$q
v
$/
d
d
/
h
h
h
h
oe
O
h
m
±
Country of birth / X
O
›
_
h
˛A
m
/S
>
fi
d
_
p
°v
°$i
PAN no./GIR no. / n
Z
° Z
.
ß/
O
r
A
m
B
A
© m
a
Z
.
ß/ `
_
• _
.
Ñ/∆
A
p
C
A
p
f
_
.
Ñ
\
$
m
oQ
>m
oA
m
B
©S
>r
X
Ò
V
m
d
oO
H
$
m
‡
H
$
m
a
a
p
°V
$p
°A
p
C
X
$u
v
$ı
s
p
h
°S
>
_
p
°‚
L
$p
f
\
$
m
oQ
>m
oA
m
B
©S
>|{
Q
>{
\
$
H
o$
e
Z
Z
ß.
a
p
°V
$p
°A
p
C
X
°$[
fi
V
$q
a
L
°$i
_
_
Ñ.
A
m
{
l
V
m
|H
$
s
g
ߪ̀
m
A
p
r
Ó
s
p
°_
u
k
Ñø
e
p
Multiple nationality
E
H
$
m
{
Y
H
$
a
m
Ô
>¥r
V̀
m
b
l
z_
p
N
q
f
L
$–
h
Yes / h
m
± /l
p
No / Z
h
t
/_
p
Yes / h
m
± /l
p
No / Z
h
t
/_
p
Nationality / a
m
Ô
>¥r
V̀
m
/
f
p
Ù
$≤u
e
s
p
Nationality 2 / a
m
Ô
>¥r
V̀
m
2
/
f
p
Ù
$≤u
e
s
p
2
Nationality 3 / a
m
Ô
>¥r
V̀
m
3
/
f
p
Ù
$≤u
e
s
p
3
Resident status / A
m
d
m
g
r
`
{
Ò
W
{
V
/
r
_
h
p
k
u
[
ı
\
r
s
H
ß$
n
Z
r
¤
m
a
m
{
X̀
m
h
˛A
mL
Ñ$`
_
u
A
°A
p
`
°g
y
I
wX
H
$
mı
h
d
p
r
g
L
$u
_
yÑ
p
°V
Æ$N
°S
>L
$f
°g
yÑ
m
∞J
}¡
S
>d
Mortgaged / _
c
p
X
$p
_
yÑ
H
$
a
m
E
n
a
Rented / {
p
g
u
/k
Ñb
Ñ^
u
A
p
°
m
V
m
{
n
V
m
/
[
a
Ì
V
oX
m
a
H
$
mh
Parents/Relatives / _
Others / A
A
fi
e
p
°
›
`
Company provided /
A
m
d
m
g
/
Ò
d
m
{
_
À
d
A
{
Y
H
$
m
a
r
_
h
p
k
u
f
l
°W
$p
Z
/
d
p
r
g
L
$u
Self-owned /
_
h
p
k
u
k
f
_
p
d
yÑ
A
m
d
m
g
r
`
n
V
mr
p
°q
a
k
_
yÑ k
f
_
p
d
yÑ
H
$
m
`
m
©b̀
r
Z
n
V
mA
n
Ã
m
M
m
a
H
$
m
n
V
m
`
”
Ï
e
h
l
p
f
k
f
_
p
d
yÑ
d
V
©_
m
Z
A
m
d
m
g
r
`
n
V
m
h
s
Æd
p
_
r
_
h
p
k
u
k
f
_
p
d
yÑ
H
ß$
n
Z
r
¤
m
a
m
{
X̀
m
h
˛A
mL
Ñ$`
_
u
A
°A
p
`
°g
y
I
wX
H
$
mı
h
d
p
r
g
L
$u
_
yÑ
p
°V
Æ$N
°S
>L
$f
°g
yÑ
m
∞J
}¡
S
>d
Mortgaged / _
c
p
X
$p
_
yÑ
H
$
a
m
E
n
a
Rented / {
p
g
u
/k
Ñb
Ñ^
u
A
p
°
m
V
m
{
n
V
m
/
[
a
Ì
V
oX
m
a
H
$
mh
Parents/Relatives / _
Others / A
A
fi
e
p
°
›
`
Company provided /
Self-owned /
House/Flat/Apt. no. and name / K
a
/
‚
b
Q
°>
/
E
n
m
Q
>
.
©Z
.
ßA
m
a
° Z
m
_
/
O
f
/„
g
°V
$/A
° p̀
V
Æ$.
_
Ñ.
A
_
°_
p
d
__________________________________
Street name and no. and area/location / J
b
r
`
m
a
m
S
o >H
$
m
Z
m
_
A
m
a
° Z
.
ß
______________
A
m
°a
j
oÃ
/
b
m
oH
o$
e
Z
/N
g
u
_
yÑ _
p
d
A
_
°_
Ñ.
A
_
°r
h
ı
s
p
f
/ı
\
m
____________________________________________________________
_______________________________
Landmark / b
S
¢>
_
m
H
$
© /k
u
d
p
r
Q
l
_
_
h
p
k
u
k
f
_
p
d
yÑ
A
m
d
m
g
r
`
n
V
mr
p
°q
a
k
_
yÑ k
f
_
p
d
yÑ
H
$
m
`
m
©b̀
r
Z
n
V
mA
House/Flat/Apt. no. and name / K
a
/
‚
b
Q
°>
/
E
n
m
Q
>
.
©Z
.
ßA
m
a
° Z
m
_
/
O
f
/„
g
°V
$/A
° p̀
V
Æ$.
_
Ñ.
A
_
°_
p
d
__________________________________
Street name and no. and area/location / J
b
r
`
m
a
m
S
o >H
$
m
Z
m
_
A
m
a
° Z
.
ß
______________
A
m
°a
j
oÃ
/
b
m
oH
o$
e
Z
/N
g
u
_
yÑ _
p
d
A
_
°_
Ñ.
A
_
°r
h
ı
s
p
f
/ı
\
m
____________________________________________________________
_______________________________
Landmark / b
S
¢>
_
m
H
$
© /k
u
d
p
r
Q
l
_
_____________________________________________________________
_____________________________________________________________
_______________________
City and State / e
h
a
A
m
a
° a
m
¡
`
/i
l
f
° A
_
°f
p
ƒ
e
_____________________________________________________________
_______________________
City and State / e
h
a
A
m
a
° a
m
¡
`
/i
l
f
° A
_
°f
p
ƒ
e
_____________________________________________________________
Country /
_____________________________________________
X
e
o /v
$
°i
Pin code / {
n
Z
H
$
m
S
o >/ r
`
_
L
$p
X
° $______________________________________
Country /
_____________________________________________
X
e
o /v
$
°i
Pin code / {
n
Z
H
$
m
S
o >/ r
`
_
L
$p
X
° $______________________________________
Duration at current address / d
V
_
©m
Z
n
V
on
a
a
h
Z
oH
$
s
A
d
{
Y
/l
p
g
_
°k
f
_
p
d
°
Duration at current address / d
V
_
©m
Z
n
V
on
a
a
h
Z
oH
$
s
A
d
{
Y
/l
p
g
_
°k
f
_
p
d
°
_______ years / d
f
©/h
j
ÆA
_
° ________
_______ years / d
f
©/h
j
ÆA
_
° ________
months / _
m
h
/d
r
l
_
p
\
u
h
k
h
p
V
$R
>
.
°
months / _
m
h
/d
r
l
_
p
\
u
h
k
h
p
V
$R
>
.
°
At this address since / B
g
n
V
on
a
H
$
~
g
oh
¢:
/A
p
k
f
_
p
d
°
At this address since / B
g
n
V
on
a
H
$
~
g
oh
¢:
/A
p
k
f
_
p
d
°
______________ (dd/mm/yyyy) / (
{
X
Z
/
_
m
h
/
d
f
©)
g
o/\
u
(
s
p
f
u
M
/
d
r
l
_
p
°/
h
j
)
Æ
______________ (dd/mm/yyyy) / (
{
X
Z
/
_
m
h
/
d
f
©)
g
o/\
u
(
s
p
f
u
M
/
d
r
l
_
p
°/
h
j
)
Æ
n
N
>b
on
V
on
a
a
h
Z
oH
$
s
A
d
{
Y
n
N
>b
on
V
on
a
a
h
Z
oH
$
s
A
d
{
Y
Duration at previous address / {
Duration at previous address / {
years / d
years / d
months / _
m
h
months /_
m
h
j
Æ
d
r
l
_
p N
j
Æ
d
r
l
_
p
N
s
k
f
_
p
d
p
_
u
d
yv
$s
s
k
f
_
p
d
p
_
u
d
yv
$s
f
© h
f
© h
Previous address (if resident
House/Flat/Apt. no. and name / K
a
/
‚
b
Q
°>
/
E
n
m
Q
>
.
©Z
.
ßA
m
a
° Z
m
_
/
at current address for less
__________________________________
O
f
/„
g
°V
$/A
° p̀
V
Æ$.
_
Ñ.
A
_
°_
p
d
than 3 years)
Street name and no. and area/location / J
b
r
`
m
a
m
S
o >H
$
m
Z
m
_
A
m
a
° Z
.
ß
{
n
N
>b
m
n
V
m
(
`
{
X
d
V
_
©m
Z
n
V
on
a
3
d
f
©g
oH
$
_
g
_
`
______________
A
m
°a
j
oÃ
/
b
m
oH
o$
e
Z
/N
g
u
_
yÑ _
p
d
A
_
°_
Ñ.
A
_
°r
h
ı
s
p
f
/ı
\
m
H
$
o{
b
E
{
Z
d
m
g
H
$
a
a
h
oh
)
¢
_____________________________________________________________
N
s
k
f
_
p
d
p
_
u
d
v
y $s
Landmark / b
S
¢>
_
m
H
$
© /k
u
d
p
r
Q
l
_
___________________________
(
≈
°3
h
j
\
Æ u
A
p
R
° >
p
k
d
e
d
p
V
$
°h
s
d
Æ p
_
_____________________________________________________________
k
f
_
p
d
°f
l
s
° p
l
p
)
°
_______________________
City and State / e
h
a
A
m
a
° a
m
¡
`
/i
l
f
° A
_
°f
p
ƒ
e
_____________________________________________________________
Country / X
e
o /v
$
°i
_______________________
_______________________
Pin code / {
n
Z
H
$
m
S
o >/ r
`
_
L
$p
X
°$
House/Flat/Apt. no. and name / K
a
/
‚
b
Q
°>
/
E
n
m
Q
>
.
©Z
.
ßA
m
a
° Z
m
_
/
__________________________________
O
f
/„
g
°V
$/A
° p̀
V
Æ$.
_
Ñ.
A
_
°_
p
d
Street name and no. and area/location / J
b
r
`
m
a
m
S
o >H
$
m
Z
m
_
A
m
a
° Z
.
ß
______________
A
m
°a
j
oÃ
/
b
m
oH
o$
e
Z
/N
g
u
_
yÑ _
p
d
A
_
°_
Ñ.
A
_
°r
h
ı
s
p
f
/ı
\
m
_____________________________________________________________
Landmark / b
S
¢>
_
m
H
$
© /k
u
d
p
r
Q
l
_
___________________________
_____________________________________________________________
_______________________
City and State / e
h
a
A
m
a
° a
m
¡
`
/i
l
f
° A
_
°f
p
ƒ
e
_____________________________________________________________
Country / X
e
o /v
$
°i
_______________________
_______________________
Pin code / {
n
Z
H
$
m
S
o >/ r
`
_
L
$p
X
°$
9
Applicant/Co-applicant is required to provide the supporting documents in case of having 'former' or 'other' names.
9
n
d
y ©Z
m
_
`
∫
w$
A
m
d
X
oH
$
/
g
h
A
m
d
X
oH
$
H
$
m
og
h
m
H̀
$
X
Ò
V
m
d
O
o X
Z
o oh
m
J
|.
o
9
A
f
S
>
v
$p
f
/k
l
A
f
S
>
v
$p
f
°"
A
N
p
D
'A
\
h
p
"
A
fi
e
'
_
p
d
p
°^
f
p
h
h
p
_
p
q
L
$ı
k
p
d
p
Ñk
d
\
_
Æ A
p
s̀
p
v
$ı
s
p
h
≈
° ° f̀
| pp̀
X
$h
p
A
p
h
Ì
e
L
$R
>
.
°
Signature of the applicant
Relationship with applicant
A
m
d
X
oH
$
H
$
oh
Ò
V
m
j
a
A
f
S
>
v
$p
f
_
u
k
l
u
Permanent address
(Applicable for NRI)
Ò
W
m
`
r
n
V
m
(
E
Z
A
m
a
A
m
B
©H
$
o{
b
E
b
m
J
)
y
House/Flat/Apt. no. and name / K
a
/
‚
b
Q
°>
/
E
n
m
Q
>
.
©Z
.
ßA
m
a
° Z
m
_
/
__________________________________
O
f
/„
g
°V
$/A
° p̀
V
Æ$.
_
Ñ.
A
_
°_
p
d
Street name and no. and area/location / J
b
r
`
m
a
m
S
o >H
$
m
Z
m
_
A
m
a
° Z
.
ß
______________
A
m
°a
j
oÃ
/
b
m
oH
o$
e
Z
/N
g
u
_
yÑ _
p
d
A
_
°_
Ñ.
A
_
°r
h
ı
s
p
f
/ı
\
m
__________________________________
O
f
/„
g
°V
$/A
° p̀
V
Æ$.
_
Ñ.
A
_
°_
p
d
Street name and no. and area/location / J
b
r
`
m
a
m
S
o >H
$
m
Z
m
_
A
m
a
° Z
.
ß
______________
A
m
°a
j
oÃ
/
b
m
oH
o$
e
Z
/N
g
u
_
yÑ _
p
d
A
_
°_
Ñ.
A
_
°r
h
ı
s
p
f
/ı
\
m
_____________________________________________________________
_____________________________________________________________
_____________________________________________________________
_______________________
City and State / e
h
a
A
m
a
° a
m
¡
`
/i
l
f
° A
_
°f
p
ƒ
e
_____________________________________________________________
Country / X
e
o /v
$
°i
Pin code / {
n
Z
H
$
m
S
o >/ r
`
_
L
$p
X
°$
Pin code / {
n
Z
H
$
m
S
o >/ r
`
_
L
$p
X
°$
m
d
m
g
r
`
Q
>o{
b
\
$
m
oZ
Z
ß.r
_
h
p
k
u
a
p
°_
_
Ñ.
Residence tel. no. / A
m
d
m
g
r
`
Q
>o{
b
\
$
m
oZ
Z
ß.r
_
h
p
k
u
a
p
°_
_
Ñ.
Residence tel. no. / A
_______________________
g
Q
>r
S
>r
H
$
m
oS
A
°k
V
$u
X
$u
L
$p
°X
$
STD code / E
ß~
g
© _
Ñb
f
(
k
Æ)
Number(s) / Z
_
m
o~
m
B
b
d
p
°b
p
C
g
©_
ob
C
d
°C
g
E-mail / B
Educational qualifications
Under graduate /
e
°j
[
U
H
$m̀
oΩ
V̀
m
i
•n
r
Z
L
$ p̀
”
s
p
d
°d
m
{
h
H
$
p
Ò
W
{
V
h
•h
p
r
l
L
$[
ı
\
r
s
_______________________
_______________________
g
Q
>r
S
>r
H
$
m
oS
A
°k
V
$u
X
$u
L
$p
°X
$
STD code / E
ß~
g
© _
Ñb
f
(
k
Æ)
Number(s) / Z
_
m
o~
m
B
b
d
p
°b
p
C
g
©_
ob
C
d
°C
g
E-mail / B
Mobile /
Marital status /
Landmark / b
S
¢>
_
m
H
$
© /k
u
d
p
r
Q
l
_
___________________________
_______________________
City and State / e
h
a
A
m
a
° a
m
¡
`
/i
l
f
° A
_
°f
p
ƒ
e
_____________________________________________________________
Country / X
e
o /v
$
°i
_______________________
g
ßn
H
©$
{
d
d
a
U
k
Ñ L̀
Æ$r
h
N
s
p
°
g
h
A
m
d
oX
H
$
H
o$
h
Ò
V
m
j
a
k
l
A
f
S
>
v
$p
f
_
u
k
l
u
House/Flat/Apt. no. and name / K
a
/
‚
b
Q
°>
/
E
n
m
Q
>
.
©Z
.
ßA
m
a
° Z
m
_
/
L
$p
e
d
u
k
f
_
p
d
Ñy
Landmark / b
S
¢>
_
m
H
$
© /k
u
d
p
r
Q
l
_
___________________________
_____________________________________________________________
(
A
_
° A
p
f
A
p
C
d
p
V
$°g
p
N
)
y
Contact details
Signature of the co-applicant
A
m
d
X
oH
$
H
$
og
m
W
[
a
b
e
o Z
{
e
n
A
f
S
>
v
$p
f
_
u
k
p
\
°k
Ñb
Ñ^
Mobile /
ÑX
$f
N
∞°ƒ
e
yA
°V
$
A
ßS
>a
J
°́O
wE
Q
>A
Under graduate /
ÑX
$f
N
∞°ƒ
e
yA
°V
$
A
ßS
>a
J
°́O
wE
Q
>A
Graduate / J
∞°ƒ
e
yA
°V
$
°́O
wE
Q
>N
Graduate / J
∞°ƒ
e
yA
°V
$
°́O
wE
Q
>N
Post graduate /
°ı
V
$N
∞°ƒ
e
yA
°V
$
n
m
oÒ
Q
>J
°́O
wE
Q
> p̀
‡
m
o\
o$
e
Z
b
Ï
e
p
h
k
p
r
e
L
$
•V
r
`
(
{
S
>fl
b
m
o_
m
)
V
$q
V
Æ$e
f
u
(
q
X
$‡
g
p
°d
p
)
Tertiary (diploma) / V
A
fi
e
p
°
›
`
Others / A
Post graduate /
Professional /
Professional /
Married /
{
d
d
m
{
h
V
h
•h
p
r
l
L
{
d
d
m
{
h
V
$A
°L
$g
Single / A
°ı
V
$N
∞°ƒ
e
yA
°V
$
n
m
oÒ
Q
>J
°́O
wE
Q
> p̀
‡
m
o\
o$
e
Z
b
Ï
e
p
h
k
p
r
e
L
$
•V
r
`
(
{
S
>fl
b
m
o_
m
)
V
$q
V
Æ$e
f
u
(
q
X
$‡
g
p
°d
p
)
Tertiary (diploma) / V
A
fi
e
p
°
›
`
Others / A
Married /
{
d
d
m
{
h
V
h
•h
p
r
l
L
{
d
d
m
{
h
V
$A
°L
$g
Single / A
TELL US ABOUT YOUR JOB/PROFESSION/OCCUPATION
h
_
oß A
n
Z
oH
$
m
_
H
$
m
O
/
n
oe
o/
Ï
d̀
g
m
`
H
o$
~
m
a
o_
|~
V
m
E
ß
A
d
_
°s
d
p
f
u
_
p
°L
$f
u
/
^
Ñ^
p
/Ï
e
h
k
p
e
r
h
i
°≈
Z
L
$p
f
u
A
p
p̀
°
APPLICANT
g
Salaried
d
oV
Z
^
m
oJ
r
_
p
°L
$q
f
e
p
s
Designation /
l
p
°ÿ
p
°
n
X
Senior management /
f
S
>
v
$p
f
A
m
d
oX
H
$A
l
A
f
S
>
v
$p
f
APPLICANT/g
h
A
m
d
X
oH
$k
X
m
n
{
H
$
g
H
o$
{
b
E
H
$
m
_Designation / n
You work for A
H
$
a
V
oh
¢ s
l
p
°ÿ
p
°
d
°S
>
°_
°d
p
V
°$L
$p
d
L
$f
p
°R
>
p
°
Government /
Senior management /
m
n
{
H
$
g
H
o$
{
b
E
H
$
m
_
You work for A
H
$
a
V
oh
¢ s
d
°S
>
°_
°d
p
V
°$L
$p
d
L
$f
p
°R
>
p
°
Government /
g
r
{
Z̀
a
_
°Z
oO
_
|Q
>
r
k
r
_
e
f
d
°_
°S
>
d
°fi
V
$
g
a
H
$
m
a
k
f
L
$p
f
g
r
{
Z̀
a
_
°Z
oO
_
|Q
>
r
k
r
_
e
f
d
°_
°S
>
d
°fi
V
$
g
a
H
$
m
a
k
f
L
$p
f
Middle management /
Public Ltd. Co. /
Middle management /
Public Ltd. Co. /
{
_
{
S
>b
_
°Z
oO
_
|Q
r
d
X
$g
d
°_
°S
>
d
°fi
V
$
n
p
„
b
H
$
{
b
.
H
ß$
.
`
[
Â
g
L
$r
g
.
L
Ñ$.
{
_
{
S
>b
_
°Z
oO
_
|Q
r
d
X
$g
d
°_
°S
>
d
°fi
V
$
n
p
„
b
H
$
{
b
.
H
ß$
.
`
[
Â
g
L
$r
g
.
L
Ñ$.
Junior management /
Public Sector /
Junior management /
Public Sector /
O
y{
Z̀
a
_
°Z
oO
_
|Q
>
n
p
„
b
H
$
g
oä Q
>a
S
y>
r
_
e
f
d
°_
°S
>
d
°fi
V
$`
[
Â
g
L
$k
°º
V
$f
m
.
{
b
.
H
ß$
.
m
∞{
\
$
g
a
A
p
°q
a
k
f Pvt. Ltd. Co./ ‡
Officer A
‚
p
.
r
g
.
L
Ñ$.
Clerical / ä
°d
A
°_
k
u
_
E
Z
g
rA
g
°q
f
L
$g
b
°[
a
H
b
>º
MNC / E
$
m
`
©n
X
≈
°b
V
$p
C
V
$gPartnership/Proprietorship /
Job title / H
n
m
Q
>©Z
a
{
e
n
/
‡
m
o‡
mQ̀
>a
{
e
n
c
p
N
u
v
$p
f
u
/d
p
r
g
L
$u
A
fi
e
p
°
›
`
Others / A
O
y{
Z̀
a
_
°Z
oO
_
|Q
>
n
p
„
b
H
$
g
oä Q
>a
S
y>
r
_
e
f
d
°_
°S
>
d
°fi
V
$`
[
Â
g
L
$k
°º
V
$f
m
.
{
b
.
H
ß$
.
m
∞{
\
$
g
a
A
p
°q
a
k
f Pvt. Ltd. Co./ ‡
Officer A
‚
p
.
r
g
.
L
Ñ$.
Clerical / ä
°d
A
°_
k
u
_
E
Z
g
rA
g
°q
f
L
$g
b
°[
a
H
b
>º
MNC / E
$
m
`
©n
X
≈
°b
V
$p
C
V
$gPartnership/Proprietorship /
Job title / H
n
m
Q
>©Z
a
{
e
n
/
‡
m
o‡
mQ̀
>a
{
e
n
c
p
N
u
v
$p
f
u
/d
p
r
g
L
$u
A
fi
e
p
°
›
`
Others / A
g
Self-employed
Ò
d
a
m
oO
J
m
a
ı
h
f
p
°S
>
N
p
f
g
Others
A
›
`
A
fi
e
p
°
Your ?rm is
Profession
A
m
n
H
$
s
g
ßÒ
W
m
h
°
Ï
e
h
k
p
e
R
>
°
Your ?rm is
n
oe
m
Ï
e
h
k
p
e
R
>
°
Proprietorship
CA
Proprietorship
CA
g
r
E
k
u
A
°
‡
m
o‡
mQ̀
>a
{
e
n
d
p
r
g
L
$u
g
r
E
k
u
A
°
Journalist
Partnership
Journalist
Partnership
n
Ã
H
$
m
a
`
”
L
$p
f
n
m
Q
>©Z
a
{
e
n
c
p
N
u
v
$p
f
u
n
Ã
H
$
m
a
`
”
L
$p
f
n
m
Q
>©Z
a
{
e
n
c
p
N
u
v
$p
f
u
Architect
Consultant
Architect
Consultant
A
m
{
H
©$
Q
>oäQ
>
A
p
q
L
Æ$V
°$º
V
$
H
$
›
g
b
Q
>|Q
>
L
$fi
k
Î
V
$fi
V
$
A
m
{
H
©$
Q
>oäQ
>
A
p
q
L
Æ$V
°$º
V
$
H
$
›
g
b
Q
>|Q
>
L
$fi
k
Î
V
$fi
V
$
Private limited
Doctor
Private limited
Doctor
‡
m
B
d
oQ
>{
b
{
_
Q
>oS
>
‚
p
C
h
°V
$r
g
r
d
V
°$X
$
S
>m
∞ä Q
>a
X
$p
°º
V
$f
‡
m
B
d
oQ
>{
b
{
_
Q
>oS
>
‚
p
C
h
°V
$r
g
r
d
V
°$X
$
S
>m
∞ä Q
>a
X
$p
°º
V
$f
Lawyer
Others_____________________
Lawyer
Others_____________________
d
H
$
s
b
h
L
$u
g
A
›
`
A
fi
e
p
°
d
H
$
s
b
h
L
$u
g
A
›
`
A
fi
e
p
°
Student /
N
>m
Ã
r
h
¤
p
\
}
Housewife /
Student /
J
•{
h
U
rN
©r
l
Z
u
N
>m
Ã
r
h
¤
p
\
}
Housewife /
g
od
m
{
Z
d
•V
r
_
h
©—
Others / A
›
`
A
fi
e
p
°
H
$
m
m̀
©b̀
n
V
m
A
p
°q
a
k
_
yÑ k
f
_
p
d
yÑ
n
oe
m
Ï
e
h
k
p
e
R
>
°
‡
m
o‡
mQ̀
>a
{
e
n
d
p
r
g
L
$u
Retired /
Office address /
Profession
A
m
n
H
$
s
g
ßÒ
W
m
h
°
Ï
e
h
k
p
e
R
>
°
Retired /
Others /
J
•{
h
U
rN
©r
l
Z
u
g
od
m
{
Z
d
•V
r
_
h
©—
A
›
`
A
fi
e
p
°
Name of firm/employer and dept. / g
ßÒ
W
m
/
_
m
{
b
H
$
H
$
m
Z
m
_
A
m
°a
{
d
^
m
J
Name of firm/employer and dept. / g
ßÒ
W
m
/
_
m
{
b
H
$
H
$
m
Z
m
_
A
m
°a
{
d
^
m
J
b
r
/
a
m
oS
>H
$
m
Z
m
_
A
m
°a
Z
ß.
A
m
°a
Street name and no. and area/location / J
b
r
/
a
m
oS
>H
$
m
Z
m
_
A
m
°a
Z
ß.
A
m
°a
Street name and no. and area/location / J
`
°Y
$u
/L
Ñ$`
_
u
A
_
°r
h
c
p
N
_
yÑ _
p
d
j
oÃ
/
b
m
oH
o$
e
Z
N
g
u
_
yÑ _
p
d
A
_
°_
Ñ.
A
_
°r
h
ı
s
p
f
/ı
\
m
Landmark /
u
d
p
r
Q
l
_
b
¢S
>_
m
H
©$k
`
°Y
$u
/L
Ñ$`
_
u
A
_
°r
h
c
p
N
_
yÑ _
p
d
j
oÃ
/
b
m
oH
o$
e
Z
N
g
u
_
yÑ _
p
d
A
_
°_
Ñ.
A
_
°r
h
ı
s
p
f
/ı
\
m
Landmark /
u
d
p
r
Q
l
_
b
¢S
>_
m
H
©$k
h
a
A
m
°a
a
m
¡
`
i
l
°f
A
_
°f
p
ƒ
e
City and State / e
Pin code / {
n
Z
H
$
m
oS
r
`
_
L
$p
°X
$
h
a
A
m
°a
a
m
¡
`
i
l
°f
A
_
°f
p
ƒ
e
City and State / e
Pin code / {
n
Z
H
$
m
oS
r
`
_
L
$p
°X
$
d̀
g
m
`
H
$
m
‡
H
$
m
a
Nature of business / Ï
h
° p̀
f
_
p
°‚
L
$p
f
d̀
g
m
`
H
$
m
‡
H
$
m
a
Nature of business / Ï
h
° p̀
f
_
p
°‚
L
$p
f
V
©_
m
Z
g
ßÒ
W
m
_
|H
$
m
_
H
$
a
Z
oH
$
s
A
d
{
Y
Duration in current organisation / d
h
s
Æd
p
_
k
Ñı
\
p
d
p
Ñk
d
e
N
p
m
p
°
years / d
f
© h
j
Æ
months / _
m
h
d
r
l
_
p
V
©_
m
Z
g
ßÒ
W
m
_
|H
$
m
_
H
$
a
Z
oH
$
s
A
d
{
Y
Duration in current organisation / d
h
s
Æd
p
_
k
Ñı
\
p
d
p
Ñk
d
e
N
p
m
p
°
years / d
f
© h
j
Æ
months / _
m
h
d
r
l
_
p
L
y$g
L
$p
e
ÆA
_
yc
h
L
y$g
L
$p
e
ÆA
_
yc
h
Total work experience / H
Total work experience / H
$
m
_
H
$
m
H
w$
b
A
Z
w^
d
$
m
_
H
$
m
H
w$
b
A
Z
w^
d
years / d
years / d
months / _
months / _
d
r
l
_
p
d
r
l
_
p
m
h
m
h
f
© h
f
© h
j
Æ
j
Æ
Contact details /
g
ßn
H
©$
{
d
d
a
U
k
Ñ L̀
Æ$r
h
N
s
p
°
Income details /
A
m
`
H
$
m
{
d
d
a
U
A
p
h
L
$_
u
r
h
N
s
p
°
Office tel. no. /
H
$
m
`
m
©b̀
r
Z
Q
>o{
b
\
$
m
oZ
Z
ß.A
p
°q
a
k
a
p
°_
_
Ñ.
g
Q
>r
S
>r
H
$
m
oS
>A
°k
V
$u
X
$u
L
$p
°X
$
STD code / E
Number(s) /
Z
ß~
g
© _
Ñb
f
(
k
Æ)
Extn. /
E
ä Ò
Q
>|e
Z
A
°º
k
.
d
m
{
f
©H
$
d
oV
Z
È
.
_
|(
d
V
©_
m
Z
d
f
©)
h
p
r
j
ÆL
$ Ǹ
p
f
/` d
p
ÑA
p
h
L
$(
h
s
Æd
p
_
h
j
Æ)
´m
∞g
Gross / J
N
∞p
°k
Annual salary/income in ` (current year) /
Net /
V
°$
Z
oQ
>_
Office tel. no. /
Number(s) /
Z
ß~
g
© _
Ñb
f
(
k
Æ)
Extn. /
E
ä Ò
Q
>|e
Z
A
°º
k
.
d
m
{
f
©H
$
d
oV
Z
È
.
_
|(
d
V
©_
m
Z
d
f
©)
h
p
r
j
ÆL
$ Ǹ
p
f
/` d
p
ÑA
p
h
L
$(
h
s
Æd
p
_
h
j
Æ)
´m
∞g
Gross / J
N
∞p
°k
Annual salary/income in ` (current year) /
Net /
Income from other sources in ` (current year) Net / A
›
`
Ú
m
oV
m
|g
oA
m
`
H
$
m
`
m
©b̀
r
Z
Q
>o{
b
\
$
m
oZ
Z
ß.A
p
°q
a
k
a
p
°_
_
Ñ.
g
Q
>r
S
>r
H
$
m
oS
>A
°k
V
$u
X
$u
L
$p
°X
$
STD code / E
V
°$
Z
oQ
>_
Income from other sources in ` (current year) Net / A
›
`
Ú
m
oV
m
|g
oA
m
`
A
fi
e
ˆ
p
°s
d
p
Ñ\
u
Í
$.
(
h
s
Æd
p
_
h
j
Æ)
d
p
ÑA
p
h
L
$
È
n
E
_
|(
d
V
©_
m
Z
d
f
©)
Z
oQ
_
°V
$
A
fi
e
ˆ
p
°s
d
p
Ñ\
u
Í
$.
(
h
s
Æd
p
_
h
j
Æ)
d
p
ÑA
p
h
L
$
È
n
E
_
|(
d
V
©_
m
Z
d
f
©)
Z
oQ
_
°V
$
A
fi
e
A
p
h
L
$_
p
°ˆ
p
°s
Source of other income / A
›
`
A
m
`
H
$
m
Ú
m
oV
A
fi
e
A
p
h
L
$_
p
°ˆ
p
°s
Source of other income / A
›
`
A
m
`
H
$
m
Ú
m
oV
HSBC RELATIONSHIP /
E
M
E
g
~
r
g
r
[
a
b
oe
Z
{
e
n
/A
°Q
A
°k
b
u
k
u
k
p
\
°k
Ñb
Ñ^
Do you have an existing HSBC relationship? / ä `
Do you have an existing HSBC relationship? /ä `
m
A
m
n
H
$
r
_
m
°O
yX
m
m
A
m
n
H
$
r
_
m
°O
yX
m
i
yÑ s
d
°l
p
g
d
p
ÑA
°Q
A
°k
b
u
k
u
k
p
\
°k
Ñb
Ñ^
^
f
p
h
p
°R
>p
°?E
i
yÑ s
d
°l
p
g
d
p
ÑA
°Q
A
°k
b
u
k
u
k
p
\
°k
Ñb
Ñ^
^
f
p
h
p
°R
>p
°?
E
M
E
g
~
r
g
r
[
a
b
oe
Z
{
e
n
h
°?
M
E
g
~
r
g
r
[
a
b
oe
Z
{
e
n
h
°?
p No / Z
p
p No /Z
Yes / h
Yes /h
m
ß l
h
t_
p
m
ß l
h
t_
Signature of the applicant
A
m
d
X
oH
$
H
$
oh
Ò
V
m
j
a
A
f
S
>
v
$p
f
_
u
k
l
u
Signature of the co-applicant
g
h
A
m
d
oX
H
$
H
o$
h
Ò
V
m
j
a
k
l
A
f
S
>
v
$p
f
_
u
k
l
u
HSBC BANK ACCOUNT DETAILS (If holder of a HSBC Savings/Current Account)
E
M
E
g
~
r
g
r
~
¢H
$
I
m
V
m
{
d
d
a
U
(
`
{
X
{
H
$
g
r
E
M
E
g
~
r
g
r
~
M
V
/
M
m
b
yI
m
V
oH
o$
Y
m
a
H
$
h
¢)
A
°Q
A
°k
b
u
k
u
b
°fi
L
$M
p
s
p
_
u
r
h
N
s
p
°(
≈
°A
°Q
A
°k
b
u
k
u
k
°t
h
¡
k
/
L
$f
fi
V
$M
p
s
p
_
p
^
p
f
L
$l
p
°e
)
Branch /e
m
I
m
/i
p
M
p
Account number /I
m
V
m
H
$
´.
/
M
p
s
p
_
p
°_
Ñb
f
Auto debit my HSBC Account for loan repayment /
Auto debit my HSBC Account for loan repayment /
H
$
O
©H
o$
^
wJ
V
m
Z
H
o$
{
b
E
_
oa
oE
M
E
g
~
r
g
r
I
m
V
oH
$
m
oA
m
∞Q
>m
oS
>o{
~
Q
>H
$
a
|
H
$
O
©H
o$
^
wJ
V
m
Z
H
o$
{
b
E
_
oa
oE
M
E
g
~
r
g
r
I
m
V
oH
$
m
oA
m
∞Q
>m
oS
>o{
~
Q
>H
$
a
|
g
p
°_
`
y_
:
Q
yL
$h
Z
u
d
p
V
°$d
p
f
p
A
°Q
A
°k
b
u
k
u
M
p
s
p
d
p
Ñ\
u
A
p
°V
$p
°X
°$r
b
V
$
g
p
°_
`
y_
:
Q
yL
$h
Z
u
d
p
V
°$d
p
f
p
A
°Q
A
°k
b
u
k
u
M
p
s
p
d
p
Ñ\
u
A
p
°V
$p
°X
°$r
b
V
$
LOCAL CONTACT PERSON (Applicable for NRIs)
Ò
W
m
Z
r
`
g
ßn
H
©$
Ï
`
{
ä V
(
E
Z
A
m
a
A
m
B
©H
o$
{
b
E
)
ı
\
p
r
_
L
$k
Ñ L̀
Æ$Ï
e
[
º
s
(
A
°_
A
p
f
A
p
C
d
p
V
°$g
p
N
y)
Name /
_
p
d
Z
m
_
Residence address / A
m
d
m
g
r
`
n
V
mr
_
h
p
k
u
k
f
_
p
d
yÑ
Pin code /
City and State / e
h
a
A
m
a
° a
m
¡
`
i
l
f
° A
_
°f
p
ƒ
e
{
n
Z
H
$
m
S
o >r
`
_
L
$p
X
°$
_
h
p
k
u
a
p
°_
_
Ñ.
Residence tel. no. / A
m
d
m
g
r
`
Q
>o{
b
.
Z
ß. r
m
o~
m
B
b
Z
ß.d
p
°b
p
C
g
_
Ñ.
Mobile no. / _
E-mail /
Fax no. /
S
>
fi
d
s
p
f
u
M
(
q
v
$h
k
/d
r
l
_
p
°/h
j
Æ)
O
›
_
V
m
a
r
I
(
{
X
Z
/
_
m
h
/
d
f
©)
MY REQUIREMENTS
I would like to avail of a fixed interest rate /
l
zÑ r
a
º
ı
X
$Ï
e
p
S
>v
$f
g
°h
p
d
p
N
yÑ R
y
Home Loan /
E
g
Q
>r
S
>r
H
$
m
oS
>)
(
A
°k
V
$u
X
$u
L
$p
°X
$)
(STD code) / (
A
f
S
>
v
$p
f
k
p
\
°k
Ñb
Ñ^
m
d
oX
H
$
H
$
og
m
W
g
ß~
ßY
Relation with applicant / A
B
©_
ob
C
d
°C
g
Date of birth (dd/mm/yy) /
\
°$
ä g
Z
ß.a
°º
k
_
Ñ.
p
f
u
A
p
h
Ì
e
L
$s
p
A
p
°
_
oa
r
A
m
d
Ì
H̀
$
V
md
_
¢{
\
$
ä Ò
S
>B
ßQ
¥>oÒ
Q
>a
oQ
>b
oZ
m
M
m
h
ß̌J
m
/
M
m
h
ß̌J
r
p
°d
g
p
°_
J
•h
H
$
O
© l
(Name of product) /
(
C
À
n
m
X
H
$
m
Z
m
_
)
(
e
p
°S
>
_
p
_
yÑ _
p
d
)
(12/24/36 months only)
Fixed interest tenure for Home Loan
J
•h
H
$
O
©H
o$
{
b
E
{
\
$
ä Ò
S
>B
ßQ
¥>oÒ
Q
A
d
{
Y
___________ (
1
2
/
2
4
/
3
6
_
m
h
{
g
\
©$
)
l
p
°d
g
p
°_
d
p
V
°$q
a
º
ı
X
$Ï
e
p
S
>
_
u
d
yv
$s
___________ (
1
2
/
2
4
/
3
6
d
r
l
_
p
a
º
s
)
I would like to avail of a floating interest rate /
l
zÑ „
g
p
°q
V
Ñ$N
Ï
e
p
S
>v
$f
g
°h
p
d
p
N
yÑ R
y>
Ñ
_
¢‚
b
m
oq
Q
>J
>B
ßQ
¥>oÒ
Q
>a
oQ
>b
oZ
m
M
m
h
ß̌J
m
/
M
m
h
ß̌J
r
p
°d
g
p
°_
•h
H
$
O
© l
Home Loan / J
ı
d
p
V
Æ$l
p
°d
_
m
Q
>©h
m
o_
Smart Home / Ò
d
p
V
Æ$A
°g
A
° ù
_
m
Q
>©E
b
E
n
rı
SmartLAP / Ò
m
oZ
A
J
o›
Ò
Q
>‡
m
∞n
Q
>ug
p
°_
A
N
°C
fi
ı
V
$‚
p
° V̀
$}
Loan Against Property / b
(
e
p
°S
>
_
p
_
yÑ _
p
d
)
C
À
n
m
X
H
$
m
Z
m
_
)
(Name of product) / (
Loan/overdraft amount required
Loan tenure required
months/years
B
p
¿
N
>V
b
m
oZ
/
A
m
od
a
S
¥>o‚
Q
H
$
s
a
m
{
e
__________ b
m
oZ
H
$
s
A
d
{
Y
__________ _
m
h
/
d
f
©
A
p
h
Ì
e
L
$g
p
_
° /
A
p
h
° f
X
$
≤p
„
V
$_
u
f
L
$d
__________ A
p
h
Ì
e
L
$g
p
_
° _
u
d
v
y $s
__________ d
r
l
_
p
/
h
j
Æ
COLLATERAL DETAILS / A
{
V
[
a
∫
$
O
_
m
Z
V
H
$
m
{
d
d
a
U
/L
$p
g
° V
° $f
g
_
u
r
h
N
s
p
°
Name of registered owner/developer /
n
ßO
r
H
•$
V
_
m
{
b
H
$
/
{
d
H
$
m
g
H
$
V
m
©H
$
m
Z
m
_
_
p
¢^
Z
u
L
©$s
d
p
r
g
L
$/
X
°$h
g̀
f
_
yÑ _
p
d
d
g
L
$s
_
yÑ k
f
_
p
d
yÑ
ßn
{
Œ
m
H
$
m
n
V
mr
Property address / g
Occupancy details:/
°Î
a
A
p
°º
e
y p̀
C
X
$
Rented
Self-occupied / g
A
m
∞ä `
wn
¢g
r
{
d
d
a
U
oÎ
\
$
A
m
∞ä `
wn
m
B
S
>k
A
p
°º
e
y`
fi
k
u
r
h
N
s
p
°
/
Vacant / I
c
p
X
$°
p
g
u
{
H
$
a
m
E
n
a
m
b
rM
A
fi
e
›
`
Others / A
(Occupancy details: To be filled in case of Loan Against Property, SmartLAP and Home Loan/Smart Home top-up)/(
A
m
ä∞ ǹ
wg
°ß r
{
d
d
a
U
:
b
m
Z
o A
J
›
oÒ
Q
>‡
m
n
∞Q
>
u
,
Ò
_
m
Q
>
E
©b
E
n
r
A
m
a
° h
m
_
o b
m
Z
o/
Ò
_
m
Q
>
©h
m
_
o Q
>
m
n
∞A
n
H
$
o
_
m
_
b
o_
|h
r
^
a
m
O
m
E
)
/
(
A
p
º
° è
y fi
k
u
r
h
N
s
p
:
° g
p
_
° A
N
C
° fi
ı
V
$‚
p
`
° V
$}
,
ı
d
p
V
$
ÆA
g
° À
° u
A
_
°l
p
d
° g
p
_
° /
ı
d
p
V
$
Æl
p
d
° V
$p
`
° À
_
p
q
L
$ı
k
p
d
p
Ñc
f
h
p
_
u
)
$
O
©H
$
m
C
‘
oÌ
`
g
p
°_
_
p
°l
°s
y
PURPOSEOFLOAN/ H
g
Purchase of ready property
V
°`
m
a
g
ßn
{
Œ
m
I
a
r
X
Z
oH
o$
{
b
E
s
•e
p
f
r
d
g
L
$s
_
u
M
f
u
v
$u
g
Purchase of plot
fl
b
m
∞Q
>I
a
r
X
Z
oH
o$
{
b
E
‡
g
p
°V
$_
u
M
f
u
v
$u
g
Purchase of under construction property
{
Z
_
m
©U
m
Y
r
Z
g
ßn
{
Œ
m
I
a
r
X
Z
oH
o$
{
b
E
b
p
Ñ^
L
$p
d
_
u
r
d
g
L
$s
l
°W
$m
M
f
u
v
$u
g
Self-construction
Ò
d
{
Z
_
m
©U
ı
h
b
p
Ñ^
L
$p
d
g
Home improvement
K
a
H
$
m
o~
oh
V
a
H
$
a
Z
oH
o$
{
b
E
O
f
k
y^
p
f
Z
p
g
Takeover of existing loan
_
m
°O
yX
m
H
$
O
©H
o$
A
{
Y
J
´h
U
H
o$
{
b
E
h
s
Æd
p
_
g
p
°_
_
yÑ V
°$L
$A
p
°h
f
g
Medical needs
{
M
{
H
$
À
g
H
$
s
`
A
m
d
Ì
H̀
$
V
m
E
ß
s
b
u
b
u
S
>
Í
$f
s
p
°
g
Education
{
e
j
m
r
i
n
Z
g
Travel
`
m
Ã
m
‚
h
p
k
g
Purchase of professional equipment
g
Any other (please specify)
‡
m
o\
o$
e
Z
b
C
n
H
$
a
U
I
a
r
X
Z
oH
o$
{
b
E
Ï
e
p
h
k
p
r
e
L
$D̀
L
$f
Z
_
u
M
f
u
v
$u
A
›
`
(
H
•$
ǹ
m
~
V
m
E
ß)
L
$p
°C
Z̀
A
fi
e
(
L
$© p̀
Q
p
°M
h
V
$L
$f
p
°)
_____________________________________
_____________________________________
‡
m
o\
o$
e
Z
b
C
n
H
$
a
U
I
a
r
X
Z
oH
o$
{
b
E
A
fi
e
L
$fi
T
e
yd
f
X
$È
yf
°b
g
(
g
p
°)
_
u
M
f
u
v
$u _____________________________________
_____________________________________
_____________________________________
g
Purchase of a car
g
Purchase of other consumer durable(s)
H
$
m
a
I
a
r
X
Z
oH
o$
{
b
E
L
$p
f
_
u
M
f
u
v
$u
g
Retiring other debt(s)
A
›
`
H
$
O
©M
wH
$
m
Z
oH
o$
{
b
E
A
fi
e
F
>
Z
(
Z
p
°)
c
f
p̀
C
g
Marriage
{
d
d
m
h
g
¡
_
PURPOSE OF PROPERTY BEING PURCHASED (Applicable for Home Loan/Smart Home)
I
a
r
X
r
O
m
Z
od
m
b
og
ßn
{
Œ
m
H
$
m
C
‘
oÌ
`
(
h
m
o_
b
m
oZ
/
Ò
_
m
∞Q
>©h
m
o_
n
a
b
m
J
y)
M
f
u
v
$u
L
$f
p
_
p
f
u
r
d
g
L
$s
_
p
°l
°s
y(
l
p
°d
g
p
°_
/
ı
d
p
V
Æ$l
p
°d
d
p
V
°$g
p
N
y)
For self-occupation / I
wX
H
o$
{
b
E
≈
s
°f
l
°h
p
d
p
V
°$
To be occupied by close family members /
Z
O
X
r
H
$
s
n
m
[
a
d
m
[
a
H
$
g
X
Ò̀
H
o$
{
b
E
r
_
L
$V
$h
s
}
L
$p
•V
yÑ$r
b
L
$k
Ê
e
p
°‹
p
f
p
f
l
°h
p
d
p
V
°$
For Investment/Renting / {
Z
d
oe
/
{
H
$
a
m
E
n
a
C
R
>m
Z
oH
o$
{
b
E
f
p
°L
$p
Z
/c
p
X
°$A
p
h̀
p
g
ß~
ßY
k
Ñb
Ñ^
RELATIONSHIP
Do you have a near relation to any employee of the Bank or any directors of any HSBC Group companies./ä `
m
~
H
¢$
H
$
o{
H
$
g
r
H
$
_
M
© m
a
r
`
m
E
M
E
g
~
r
g
r
g
_
h
y H
$
ßn
{
Z̀
m
|H
$
o{
H
$
g
r
{
Z
X
e
} H
$
g
oA
m
n
H
$
m
Z
O
X
r
H
$
s
[
a
Ì
V
m
h
?
°
/
i
Ñy b
fi
°L
$_
p
L
$p
C
° Z̀
L
$d
Q
Æ p
f
u
L
$
°L
$p
C
° Z̀
A
Q
° A
k
° b
u
k
u
Ǹ
y∞ _
u
L
$
Ñ`
_
u
A
p
_
° p
L
$p
C
° Z̀
X
$p
e
f
º
°V
$f
p
°k
p
\
°s
d
_
°_
∆
L
$_
p
°k
b
Ñ ^
Ñ R
>
.
°
p No / Z
m
ß l
h
t_
p
Yes / h
If yes relationship type / `
{
X
h
m
ßV
m
o{
H
$
g
‡
H
$
m
a
H
$
m
[
a
Ì
V
m
h
° ≈
°l
p
l
p
°e
s
p
°k
Ñb
Ñ^
_
p
°‚
L
$p
f
_____________________________________________________________
Director/Employee name with whom relationship exists / C
g
{
Z
X
}e
H
$
/
H
$
_
©M
m
a
r
H
$
m
Z
m
_
,
{
O
g
H
o$
g
m
W
[
a
Ì
V
m
h
°/
k
Ñb
Ñ^
R
>
°s
°X
$p
e
f
°º
V
$f
/ L
$d
ÆQ
p
f
u
_
yÑ _
p
d
and staff no. /A
m
a
° Ò
Q
>
m
\
$
Z
.
ß /A
_
°ı
V
$p
a
_
.
Ñ
RELATIONSHIP DECLARATION / g
ß~
ßY
H
$
s
K
m
of
U
m
/
k
Ñb
Ñ^
r
h
i
°≈
l
°f
_
p
d
yÑ
I/We hereby declare and confirm that either of the 2 scenarios (A) or (B) described below is/are applicable /_
/
¢ h
_
E
V
X
≤¤
m
a
m
K
m
f
oU
m
H
$
a
V
m
h
/
±ˇ H
$
a
V
r
h
/
±ˇ H
$
a
V
oh
,
¢{
H
$
{
Z
Â
Z
{
b
{
I
V
2
n
[
a
—
Ó
`
m
|(
E
)
`
m
(
~
r
)
_
|g
oH
$
m
oB
©^
r
b
m
J
yh
°/ l
zÑ/
A
d
°A
”
°≈
l
°f
L
$f
u
A
°A
_
°k
d
\
Æ_
A
p
ù
A
°R
>
u
A
°L
°$_
u
Q
°r
h
h
f
Z
L
$f
°g
p
(
A
°)
A
\
h
p
(
b
u
)
A
°d
b
°k
Ñ≈
°N
d
p
Ñ\
u
L
$p
°C
A
°L
$g
p
N
y\
i
°.
Scenario (A) / n
[
a
—
Ó
`
(
E
)
/k
≈
Ñ N
° (
A
)
°
g
(where the borrower(s) is an individual): I/ We do hereby declare that I/We am/are not director or guarantor or specified near relation of a director of a banking company
(including directors/senior officers of HSBC) or directors of Subsidiaries/Trustees of Mutual Funds/Venture Capital Funds set-up by HSBC or other banks.
(
O
h
m
±F
$
U
r
Ï
`
{
∫
$
h
°/
h
¢)
:
_
¢/
h
_
E
V
X
≤¤
m
a
m
K
m
of
U
m
H
$
a
V
m
h
±̌/
H
$
a
V
r
h
±̌/
H
$
a
V
oh
¢{
H
$
_
¢/
h
_
{
H
$
g
r
~
¢q
H
$
J
H
ß$
n
Z
r
H
$
m
/
H
$
s
/
H
o$
{
Z
X
oe
H
$
`
m
J
m
a
ßQ
>a
`
m
C
g
H
o$
{
H
$
g
r
{
Z
X
oe
H
$
(
E
M
E
g
~
r
g
r
H
o$
{
Z
X
oe
H
$
m
|/
d
[
a

>A
{
Y
H
$
m
[
a
`
m
|g
{
h
V
)
H
$
m
/
H
$
s
/
H
o$
{
d
{
e
Ô
>{
Z
H
$
Q
>V
_
g
ß~
ßY
r
`
m
E
M
E
g
~
r
g
r
`
m
A
›
`
~
¢H
$
m
|¤
m
a
m
Ò
W
m
{
n
V
Â
`
wM
wA
b
\
ß$
S
≤>g
/
d
o›
M
a
H
°$
{
n
Q
>b
\
ß$
S
≤>g
H
$
m
/
H
$
s
/
H
o$
{
Z
X
oe
H
$
`
m
A
Z
wf
ßJ
r
/
›
`
m
g
r
Z
h
t
h
±̌/
h
¢.
A
°)
(
F
>
Z
v
$p
f
(
f
p
°)
Ï
e
[
º
s
N
s
l
p
°e
–
e
p
Ñ)
:
l
zÑ /
A
d
°A
”
°≈
l
°f
L
$f
u
A
°R
>
u
A
°L
°$A
°Q
A
°k
b
u
k
u
A
\
h
p
A
fi
e
b
°fi
L
$p
°‹
p
f
p
ı
\
p
r
s̀
k
b
r
k
q
X
$e
f
u
A
p
°X
$p
e
f
°º
V
$f
p
°/
Á
e
y√
e
yA
g
a
ÑX
$p
°/
h
°_
p
Q
f
L
°$r
V̀
$g
a
ÑX
π$k
_
p
V
≤$ı
V
$u
A
p
°L
°$b
°[
fi
L
Ñ$N
L
Ñ$`
_
u
(
A
°Q
A
°k
b
u
k
u
_
p
X
$p
e
f
°º
V
$f
p
°/
r
k
r
_
e
f
A
r
^
L
$p
f
u
A
p
°k
r
l
s
)
_
p
X
$p
e
f
°L
$V
$f
_
p
r
_
q
v
Æ$Ù
$r
_
L
$V
$_
p
k
Ñb
Ñ^
u
L
°$X
$p
e
f
°º
V
$f
L
°$N
°f
fi
V
$f
_
\
u
.
Scenario (B) / n
[
a
—
Ó
`
(
~
r
)
/ k
≈
Ñ N
° (
b
u
)
g
I/We do not fulfil/comply with the declarations stated in Scenario (A) above /_
¢/
h
_
C
n
a
m
o∫
$
n
[
a
—
Ó
`
(
E
)
_
|H
$
{
W
V
K
m
of
U
m
A
m
|H
$
m
on
ya
m
/
C
Z
H
$
m
A
Z
wn
m
b
Z
Z
h
t
H
$
a
V
m
h
±̌/
H
$
a
V
oh
¢.
/
l
yÑ /
A
d
°D
º
s
k
Ñ≈
°N
(
A
°)
d
p
Ñ_
p
¢^
°g
p
≈
l
°f
_
p
d
p
_
yÑ p̀
g
_
/
q̀
f
`
|Z
Æ_
\
u
L
$f
s
p
.
In case Scenario (B) is applicable please provide the following details /E
og
o_
m
_
b
o_
|,
n
[
a
—
Ó
`
(
~
r
)
b
m
J
yh
°,
H
•$
ǹ
m
{
Z
Â
Z
m
ß{
H
$
V
{
d
d
a
U
‡
X
m
Z
H
$
a
|:
/
k
Ñ≈
°N
(
b
u
)
g
p
N
yl
p
°e
–
e
p
Ñr
_
Á
_
r
g
r
M
s
r
h
N
s
p
°`
|f
up̀
X
$p
°
1. / 1. / 1.
2. / 2. / 2.
Related to (Applicant/Co-applicant Name) / (
A
m
d
oX
H
$
/
g
h
A
m
d
oX
H
$
H
$
m
Z
m
_
)
H
$
m
/
H
$
s
/
H
o$
g
ß~
ßY
r
/
k
Ñb
Ñ^
°(
A
f
S
>
v
$p
f
/
k
l
A
f
S
>
v
$p
f
k
p
\
°)
k
p
\
°
Relationship Type (Self or Relative/Near Relation) / g
~
ßY
ß H
$
m
‡
H
$
m
a
(
Ò
d̀
ß`
m
g
~
ßY
ß r
/
{
Z
H
$
Q
>g
~
ßY
ß r
)
/
k
Ñb
Ñ^
_
p
°‚
L
$p
f
(
p̀
°s
°A
\
h
p
k
Ñb
Ñ^
u
/
r
_
L
$V
$h
s
}
k
Ñb
Ñ^
u
)
Name of the Person / Ï
`
{
∫
$
H
$
m
Z
m
_
/Ï
e
[
º
s
_
yÑ _
p
d
Entity Name to which I am/Relative is associated / C
g
g
ßÒ
W
m
H
$
m
Z
m
_
,
{
O
g
g
o_
¢/
g
ß~
ßY
r
g
ß~
’
h
°/
l
zÑ /
k
Ñb
^
u
k
ÑL
$m
p
e
°g
p
R
>
u
A
°s
°L
Ñ$`
_
u
_
yÑ _
p
d
The scope of the term 'relative'/'near relation' will be as under / "
g
~
ßY
ßr
'
/
"
{
Z
H
$
Q
>g
~
ßY
ßr
'
e
„
X
H
$
m
j
Ã
o {
Z
Â
Z
m
Z
g
w m
a
h
m
J
om
/k
b
Ñ ^
Ñ u
/
r
_
L
$V
$h
s
}
k
b
Ñ ^
Ñ u
_
u
`
q
f
c
p
j
p
_
u
r
n
r
s
S
>_
u
Q
°d
S
y>
b
f
l
i
° :
°
• Spouse • Father • Mother (including step-mother) • Son (including step-son) • Son's wife • Daughter (including step-daughter) • Daughter's husband • Brother (including stepbrother) • Brother's wife • Sister (including step-sister) • Sister's husband • Brother (including step-brother) of the spouse • Sister (including step-sister) of the spouse
∑
∑
∑
∑
∑
∑
∑
∑
∑
∑
O
r
d
Z
g
m
W
r
{
n
V
m
_
m
V
m
(
g
m
°V
ob
r
_
m
±g
{
h
V
)
~
oQ
>m
(
g
m
°V
ob
o~
oQ
>og
{
h
V
)
~
oQ
>oH
$
s
n
À
Z
r
~
oQ
>r
(
g
m
°V
ob
r
~
oQ
>r
g
{
h
V
)
~
oQ
>r
H
$
m
n
{
V
^
m
B
©(
g
m
°V
ob
o^
m
B
©g
{
h
V
)
^
m
B
©H
$
s
n
À
Z
r
~
h
Z
(
g
m
°V
ob
r
~
h
Z
g
{
h
V
)
∑
∑
∑
~
h
Z
H
$
m
n
{
V
O
r
d
Z
g
m
W
r
H
$
m
^
m
B
©(
g
m
°V
ob
o^
m
B
©g
{
h
V
)
O
r
d
Z
g
m
W
r
H
$
s
~
h
Z
(
g
m
°V
ob
r
~
h
Z
g
{
h
V
)
∑
∑
∑
∑
∑
∑
∑
∑
∑
∑
∆
h
_
k
p
\
u
r
s̀
p
d
p
s
p
(
k
p
h
L
$u
d
p
s
p
k
r
l
s
)
`
y”
(
k
p
h
L
$p
`
y”
k
q
l
s
)
`
y”
_
u
`
–
_
u
`
y”
u
(
k
p
h
L
$u
`
y”
u
k
r
l
s
)
`
y”
u
_
p
° r̀
s
c
p
C
(
k
p
h
L
$p
c
p
C
k
r
l
s
)
c
p
C
_
u
`
–
_
u
b
l
°_
(
k
p
h
L
$u
∑
∑
∑
b
l
°_
k
r
l
s
)
b
l
°_
_
p
° r̀
s
∆
h
_
k
p
\
u
_
p
°c
p
C
(
k
p
h
L
$p
c
p
C
k
r
l
s
)
∆
h
_
k
p
\
u
_
u
b
l
°_
(
k
p
h
L
$u
b
l
°_
k
r
l
s
)
OTHER OPTIONAL PRODUCT(S) /
A
›
`
d
°H
$
p
Î
n
H
$C
À
n
m
X
/A
fi
e
h
•L
$[
Î
L̀
$‚
p
°X
$º
V
$(
V
$p
°)
Would you be interested to apply for a credit card from HSBC?/ä `
m
A
m
n
E
M
E
g
~
r
g
r
g
o{
H
$
g
r
H
ó$
{
S
>Q
>H
$
m
S
>©H
o$
{
b
E
A
m
d
oX
Z
H
$
a
Z
m
M
m
h
|J
o?
/i
yÑ s
d
°A
°Q
A
°k
b
u
k
up̀
k
°\
u
æ
°$q
X
$V
$L
$p
X
Æ$d
p
V
°$A
f
∆
L
$f
h
p
d
p
Ñf
k
^
f
p
h
p
°R
>
p
°? Yes / h
p No / Z
m
ß l
h
t_
p
Signature of the co-applicant / g
h
A
m
d
oX
H
$
H
o$
h
Ò
V
m
j
a
Signature of the applicant / A
m
d
oX
H
$
H
o$
h
Ò
V
m
j
a
A
f
S
>
v
$p
f
_
u
k
l
u
k
l
A
f
S
>
v
$p
f
_
u
k
l
u
UNSECURED FACILITIES WITH HBAP13
APPLICABLE FOR a) EMPLOYEES OF HBAP AND b) BOARD OF DIRECTORS
OF HBAP AND THEIR RELATIVES14
1
3
E
M
~
r
E
n
r
H
o$
g
m
W
A
Z
{
g
ä m̀
oS
>©\
o$
g
o{
b
Q
>r
O
4
A
.
E
M
~
r
E
n
r
H
o$
H
$
_
©M
m
[
a
m̀
|A
m
°a
~
.
E
M
~
r
E
n
r
H
o$
{
Z
X
}e
H
$
_
ßS
>b
d
C
Z
H
o$
[
a
Ì
V
oX
m
a
m
|n
a
b
m
J
y1
1
3
A
°Q
b
u
A
° ù
≈
°X
°$A
k
Ñf
r
n
s
k
yr
h
^
p
A
p
°
4
(
A
°)
A
°Q
b
u
A
° ù
_
p
L
$d
ÆQ
p
f
u
A
p
°A
_
°(
b
u
)
A
°Q
b
u
A
° ù
_
p
b
p
°X
Æ$A
p
°a
X
$p
e
f
°º
V
$f
p
°A
_
°s
°d
_
p
k
Ñb
Ñ^
u
A
p
°d
p
V
°$g
p
N
y1
For employees and Board of Directors in The Hongkong and Shanghai Banking Corporation Limited (HBAP) or HSBC Markets (Asia) Ltd. and relatives of the Board of
Directors of HBAP or HSBC (Asia) Ltd., please indicate below whether you solely or jointly have any other unsecured facilities with HBAP sites and it's subsidiary.
{
X
h
m
∞›
J
H
$
m
∞›
J
E
›
S
>e
ßK
m
B
©~
¢q
H
$
J
H
$
m
∞n
m
}a
oe
Z
{
b
{
_
Q
>oS
>(
E
M
~
r
E
n
r
)
H
o$
H
$
_
©M
m
[
a
`
m
|A
m
°a
{
Z
X
}e
H
$
_
ßS
>b
`
m
E
M
E
g
~
r
g
r
_
m
H
}$
Q
≤>g
(
E
{
è
m
)
{
b
.
A
m
°a
E
M
~
r
E
n
r
H
o$
{
Z
X
}e
H
$
_
ßS
>b
H
o$
[
a
Ì
V
oX
m
a
m
|`
m
E
M
E
g
~
r
g
r
(
E
{
è
m
)
{
b
.
H
o$
{
b
E
,
H
•$
ǹ
m
Z
r
M
o
A
Z
wg
m
a
~
V
m
E
ß{
H
$
ä `
m
A
m
n
H
o$
n
m
g
E
M
~
r
E
n
r
g
m
B
Q
≤>g
_
|A
m
°a
B
Z
H
$
s
g
h̀
m
oJ
r
H
ß$
n
{
Z̀
m
|H
o$
g
m
W
n
ya
r
V
a
h
`
m
g
ß`
w∫
$
Í
$
n
g
oA
Z
{
g
ä `
m
oS
>©\
o$
g
o{
b
Q
>r
O
h
¢.
^
l
p
¢N
L
$p
¢N
A
°fi
X
$i
p
ÑO
p
C
b
°[
fi
L
Ñ$N
L
$p
° p̀
£f
°i
_
r
g
r
d
V
°$X
$(
A
°Q
b
u
A
° ù
)
L
°$A
°Q
A
°k
b
u
k
u
d
p
L
£$V
π$k
(
A
°r
i
e
p
)
r
g
.
d
p
ÑL
$d
ÆQ
p
f
u
A
_
°b
p
°X
Æ$A
p
°a
X
$p
e
f
°º
V
$f
p
°d
p
V
°$A
_
°A
°Q
b
u
A
° ù
A
\
h
p
A
°Q
A
°k
b
u
k
u
(
A
°r
i
e
p
)
r
g
.
_
p
b
p
°X
Æ$A
p
°a
X
$p
e
f
°º
V
$f
p
°_
p
k
Ñb
Ñ^
u
A
p
°d
p
V
°$L
$© p̀
L
$f
u
_
°s
d
°A
°Q
b
u
A
° ù
k
p
C
V
π$k
A
_
°s
°_
u
k
b
r
k
q
X
$e
f
u
A
p
°d
p
ÑA
°L
$g
L
°$k
Ñe
yº
s
f
u
s
°L
$p
°C
Z̀
A
fi
e
A
k
Ñf
r
n
s
k
yr
h
^
p
A
p
°^
f
h
p
°R
>
p
°L
°$L
°$d
s
°_
p
°_
u
Q
°k
ÑL
°$s
A
p
p̀
°.
Unsecured facility(ies) with the Bank
b
°fi
L
$ p̀
k
°A
k
Ñf
r
n
s
k
yr
h
^
p
(
A
p
°)
~
¢H
$
_
|A
Z
{
g
ä `
m
oS
>©\
o$
g
o{
b
Q
>r
(
O
)
HBAP Sites /
Unsecured Loan/Facility Type /
E
M
~
r
E
n
r
g
m
B
Q
≤>g
A
Z
{
g
ä `
m
oS
>©b
m
oZ
/
\
o$
g
o{
b
Q
>r
Q
>m
B
n A
Z
{
g
ä `
m
oS
>©b
m
oZ
/
\
o$
g
o{
b
Q
>r
O
a
m
{
e
A
°Q
b
u
A
° ù
k
p
C
V
π$k
Unsecured Loan/Facility Amount
A
k
Ñf
r
n
s
g
p
°_
/k
yr
h
^
p
_
p
°‚
L
$p
f A
k
Ñf
r
n
s
g
p
°_
/k
yr
h
^
p
_
u
f
L
$d
m
ß l
p
Yes / h
Monthly Repayment Amount /
_
m
{
g
H
$
^
wJ
V
m
Z
H
$
s
a
m
{
e
d
p
r
k
L
$`
y_
:
Q
yL
$h
Z
u
f
L
$d
h
t_
p
No / Z
Outstanding Amount /
~
H
$
m
`
m
a
m
{
e
b
p
L
$u
f
L
$d
Definition /n
[
a
^
m
f
m
:
/Ï
e
p
ø
e
p
:
13
HBAP – The term HBAP is used for all HSBC areas, HBAP subsidiaries and other HBAP legal entities in the Asia Pacific Region.
1. Australia, 2. Bangladesh, 3. Brunei, 4. China, 5. Hong Kong, 6. India, 7. Indonesia, 8. Japan, 9. Korea, 10. Macau,
11. Malaysia, 12. Mauritius, 13. New Zealand, 14. Philippines, 15. Singapore, 16. Sri Lanka, 17. Taiwan, 18. Thailand, 19. Vietnam
1
3
E
M
~
r
E
n
r
E
M
E
g
~
r
g
r
H
o$
g
^
r
j
oÃ
m
|,
E
M
~
r
E
n
r
H
$
s
g
h̀
m
oJ
r
H
ß$
n
{
Z̀
m
|A
m
°a
E
{
è
m
n
°g
o{
\
$
H
$
j
oÃ
m
|_
|{
Ò
W
V
E
M
~
r
E
n
r
H
$
oH
$
m
Z
yZ
r
A
{
Ò
V
À
d
H
o$
{
b
E
e
„
X
E
M
~
r
E
n
r
H
$
m
B
Ò
V
o_
m
b
{
H
$
`
m
O
m
V
m
h
°.
1
.
A
m
∞Ò
Q
¥>o{
b̀
m
,
2
.
~
m
ßΩ
b
m
X
oe
,
3
.
~
ýZ
r
,
4
.
M
r
Z
,
5
.
h
m
∞›
J
H
$
m
∞›
J
,
6
.
^
m
a
V
,
7
.
B
ßS
>m
oZ
o{
è
m
,
8
.
O
m
n
m
Z
,
9
.
H
$
m
o[
a
`
m
,
1
0
.
_
H
$
m
D
$
,
1
1
.
_
b
o{
è
m
,
1
2
.
_
m
∞[
a
e
g
,
1
3
.
›
`
yO
r
b
¢S
>,
1
4
.
{
\
$
{
b
n
m
B
ßg
,
1
5
.
q
g
J
m
n
wa
,
1
6
.
l
r
b
ßH
$
m
,
1
7
.
V
m
B
d
m
Z
,
1
8
.
W
m
B
©b
¢S
,
1
9
.
{
d
E
V
Z
m
_
.
1
3
A
°Q
b
u
A
° ù
A
°Q
b
u
A
° ù
A
°A
°r
i
e
p
`
°r
k
q
a
L
$‚
v
°$i
d
p
Ñk
h
ÆA
°Q
A
°k
b
u
k
u
_
p
r
h
ı
s
p
f
p
°,
A
°Q
b
u
A
° ù
k
b
r
k
q
X
$e
f
u
A
p
°A
_
°A
fi
e
A
°Q
b
u
A
° ù
L
$p
_
|_
u
L
Ñ$`
_
u
A
p
°d
p
V
°$D̀
e
p
°N
L
$f
p
e
R
>
°.
1
.
A
p
°ı
V
≤°$r
g
e
p
,
2
.
b
ÑN
g
p
v
°$i
,
3
.
b
∞y_
°C
,
4
.
Q
u
_
,
5
.
l
p
¢N
L
$p
¢N
,
6
.
c
p
f
s
,
7
.
C
fi
X
$p
°_
°r
i
e
p
,
8
.
≈
p̀
_
,
9
.
L
$p
°q
f
e
p
,
1
0
.
d
L
$p
D
,
1
1
.
d
g
°r
i
e
p
,
1
2
.
d
p
°q
f
r
i
e
k
,
1
3
.
fi
e
|T
u
g
°fi
X
$,
1
4
.
q
a
r
g
r
`
fi
k
,
1
5
.
t
k
N
p
p̀
°f
,
1
6
.
Ó
u
g
ÑL
$p
,
1
7
.
s
p
C
h
p
_
,
1
8
.
\
p
C
g
°fi
X
$,
1
9
.
r
h
e
°V
$_
p
d
14
'Relative’ defined under as:
• Any immediate ascendant, any spouse or former spouse of any such ascendant, and any brother or sister of any such spouse or former spouse
• Any immediate descendant, and any spouse or former spouse of any such descendant
• Any brother or sister, aunt or uncle, grandparents, grandchildren and their spouses, any nephew or niece and any first cousin
• Any spouse or former spouse, any immediate ascendant of any such spouse or former spouse, and any brother or sister of any such spouse or former spouse
• And, of the purposes of this definition, any step-child shall be deemed to be child of both its natural parent and of its step-parent and any adopted child to be the child of the adopting parent, and a spouse shall
include anyone living as such
1
4
[
a
Ì
V
oX
m
a
H
$
s
n
[
a
^
m
f
m
B
g
‡
H
$
m
a
h
°:
>
∑
H
$
m
oB
©^
r
Z
O
X
r
H
$
s
n
yd
©O
,
C
g
n
yd
©O
H
$
m
_
m
°O
yX
m
`
m
n
h
b
oH
$
m
O
r
d
Z
g
m
W
r
,
A
m
°a
C
g
O
r
d
Z
g
m
W
r
`
m
n
h
b
oH
o$
O
r
d
Z
g
m
W
r
H
$
m
H
$
m
oB
©^
m
B
©`
m
~
h
Z
.
∑
H
$
m
oB
©^
r
Z
O
X
r
H
$
s
d
ße
O
,
C
g
d
ße
O
H
$
m
_
m
°O
yX
m
`
m
n
h
b
oH
$
m
O
r
d
Z
g
m
W
r
;
∑
C
g
O
r
d
Z
g
m
W
r
`
m
n
h
b
oH
o$
O
r
d
Z
g
m
W
r
H
$
m
H
$
m
oB
©^
m
B
©`
m
~
h
Z
,
M
m
M
m
M
m
M
r
,
_
m
°g
m
_
m
°g
r
,
X
m
X
m
X
m
X
r
,
Z
m
Z
m
Z
m
Z
r
,
Z
m
V
r
n
m
oV
oA
m
°a
C
Z
H
o$
O
r
d
Z
g
m
W
r
,
^
V
r
O
m
^
V
r
O
m
,
^
m
ßO
m
^
m
ßO
r
A
m
°a
M
M
oa
o^
m
B
©~
h
Z
;
∑
O
r
d
Z
g
m
W
r
`
m
n
h
b
oH
o$
O
r
d
Z
g
m
W
r
H
$
m
`
m
O
r
d
Z
g
m
W
r
`
m
n
h
b
oH
o$
O
r
d
Z
g
m
W
r
H
$
m
g
J
m
n
yd
©O
A
m
°a
C
g
H
$
m
H
$
m
oB
©^
m
B
©`
m
~
h
Z
;
∑
B
g
n
[
a
^
m
f
m
H
o$
C
‘
oÌ
`
m
|H
o$
{
b
E
,
H
$
m
oB
©g
m
°V
ob
r
g
ßV
m
Z
H
$
m
oX
m
oZ
m
|,
`
m
Z
r
‡
m
H
•$
[
V
H
$
,
V
W
m
g
m
°V
ob
o_
m
V
m
{
n
V
m
,
X
m
oZ
m
|H
$
s
g
ßV
m
Z
_
m
Z
m
O
m
E
J
m
.
B
g
r
‡
H
$
m
a
J
m
oX
b
r
h
˛B
©g
ßV
m
Z
H
$
m
o,
J
m
oX
b
oZ
od
m
b
o_
m
V
m
{
n
V
m
H
$
s
g
ßV
m
Z
_
m
Z
m
O
m
E
J
m
V
W
m
O
r
d
Z
g
m
W
r
_
|C
›
h
|_
m
Z
m
O
m
E
J
m
O
m
o
B
g
‡
H
$
m
a
_
m
°O
yX
h
m
|J
o.
1
4
"
k
Ñb
Ñ^
u
'
_
u
Ï
e
p
ø
e
p
A
p
d
yS
>
b
\
i
°:
L
$p
°C
Z̀
s
p
–
L
$p
r
g
L
$`
|h
ÆS
>
,
L
$p
°C
Z̀
∆
h
_
k
p
\
u
L
°$L
$p
°C
Z̀
A
p
h
p
`
|h
ÆS
>
_
p
d
p
∆
∆
h
_
k
p
\
u
A
_
°L
$p
°C
Z̀
A
p
h
p
∆
h
_
k
p
\
u
L
°$d
p
∆
∆
h
_
k
p
\
u
_
p
L
$p
°C
Z̀
c
p
C
L
°$b
l
°_
;
L
$p
°C
Z̀
s
p
–
L
$p
r
g
L
$`
|h
ÆS
>A
_
°L
$p
°C
Z̀
A
p
h
p
`
|h
ÆS
>
_
p
L
$p
°C
Z̀
∆
h
_
k
p
\
u
L
°$d
p
∆
∆
h
_
k
p
\
u
;
∑
L
$p
°C
Z̀
c
p
C
L
°$b
l
°_
,
L
$p
L
$p
L
°$L
$p
L
$u
,
N
∞p
fi
X
$`
°f
fi
V
π$k
,
p̀
•”
A
_
°s
°d
_
p
∆
h
_
k
p
\
u
A
p
°,
L
$p
°C
Z̀
c
”
u
≈
°L
°$c
”
u
∆
A
_
°L
$p
°C
Z̀
‚
\
d
r
s̀
f
p
C
;
∑
L
$p
°C
Z̀
∆
h
_
k
p
\
u
L
°$d
p
∆
∆
h
_
k
p
\
u
,
A
p
h
p
∆
h
_
k
p
\
u
L
°$d
p
∆
∆
h
_
k
p
\
u
_
p
L
$p
°C
Z̀
s
p
–
L
$p
r
g
L
$`
|h
ÆS
>A
_
°A
p
h
p
∆
h
_
k
p
\
u
L
°$d
p
∆
∆
h
_
k
p
\
u
_
p
L
$p
°C
Z̀
c
p
C
L
°$b
l
°_
;
∑
A
_
°A
p
Ï
e
p
ø
e
p
_
p
l
°s
yA
p
°d
p
ÑL
$p
°C
Z̀
k
p
h
L
yÑ$R
>
p
°L
$f
yÑ s
°_
p
b
Ñ_
°_
•k
r
N
ÆL
$h
p
g
u
A
_
°s
°_
p
k
p
h
L
$p
h
p
g
u
_
Ñy k
Ñs
p
_
N
Z
p
i
°A
_
°L
$p
°C
Z̀
v
$—
L
$g
u
^
°g
yÑ R
>
p
°L
$f
yÑ v
$—
L
$g
°_
p
f
h
p
g
u
_
yÑ k
Ñs
p
_
N
Z
p
i
°A
_
°∆
h
_
k
p
\
u
d
p
ÑA
p
f
u
s
°f
l
°s
°L
$p
°C
Z̀
Ï
e
[
º
s
_
p
°k
d
p
h
°i
\
p
e
R
>
°.
∑
∑
DECLARATION / K
m
f
oU
m
/≈
l
f
°_
p
d
Ñy
I/We confirm having read and understood the Most Important Terms and Conditions (MITC) including the Tariff Sheet enclosed with this application form.
I/We acknowledge that I/we have been advised to seek independent legal view with respect to the title of the property being purchased. In case I/we approach HSBC's empanelled lawyer for legal advice,
I/we acknowledge that I/we agreed to do so on my/our own volition and HSBC shall not be held liable for any disputes that I/we may have with HSBC's empanelled lawyer.
I/We also confirm that as on date of this application, there are no litigations initiated by other banks/financial institutions, being faced by me/us (please strike off if this is not the case and provide a separate list of
initiated/pending litigations).
I/We further agree that any facility that may be provided to me/us shall be governed by the internal policies of HSBC that may be in force from time to time.
I/We undertake and declare that I/we will comply with all the applicable laws, rules, regulations, notifications, directions or orders made thereunder and any amendments thereof including Foreign Exchange
Management Act, 1999 (FEMA). I/We undertake to intimate HSBC before proceeding overseas on permanent employment and/or emigrating and/or changing my/our nationality.
I/We acknowledge that HSBC may assign any activities to any service provider, whether located in India or overseas and whether an HSBC Group entity or a third party, at its sole discretion, in accordance with the
applicable guidelines of the Reserve Bank of India (RBI). I/We also acknowledge the right of HSBC to share information pertaining to me/us with its service providers and such third parties as are required to process
my application for credit facility and to provide details of my/our accounts/credit facilities to such service providers for the purpose of availing outsourced services of any nature by HSBC, without any specific consent
or authorisation from me/us. I/We further acknowledge that HSBC or such service providers, whether located in India or overseas, may disclose such information if required or permitted by any law, rule or regulation
or at the request of any governmental or regulatory authority or if such disclosure is required for the purposes of preventing fraud.
I/We acknowledge that the existence of this credit facility and details thereof (including details of transactions and any defaults committed by me), will be recorded with credit reference agencies and such information
(including processed information) may be shared with banks/financial institutions and other credit grantors for the purposes of assessing further applications for credit by me/us and/or members of my/our household,
and for occasional debt tracing and fraud prevention.
1. Accordingly, I/we hereby agree and give consent for the disclosure by HSBC of all or any such; (a) information and data relating to me/us (b) the information or data relating to any credit facility availed of/to be
availed, by me/us and (c) default, if any, committed by me/us in discharge of my/our such obligation, as HSBC may deem appropriate and necessary, to Credit Information Bureau (India) Limited (CIBIL) and any other
agency authorised in this behalf by the Reserve Bank of India (RBI).
2. I/We undertake that (a) CIBIL and any other agency/bureau so authorised may use, process the said information and data disclosed by HSBC; and (b) CIBIL and any other agency so authorised may furnish for
consideration, the processed information and data or products thereof prepared by them, to banks/financial institutions and other credit grantors, as may be specified by the RBI in this behalf.
3. I/We consent and authorise HSBC to generate subsequently an additional report through CIBIL or authorised agency/bureau to process my loan application, in the event the necessary documentation and
processes are not completed as per HSBC's policies.
I/We further agree to receive SMS alerts related to my/our application status and account activity as well as product use messages that HSBC will send, from time to time, on my/our mobile phone number as
mentioned in this application form. I/We undertake to intimate HSBC in the event of any change in my/our mobile phone number.
I/We certify that the information provided by me/us in this application form is true and correct in all respects and HSBC is entitled to verify this directly or through any third party agent. I/We further acknowledge that
HSBC shall have right to seek any information from any other source in this regard. I/We understand that all of the abovementioned information shall form the basis of any facility that HSBC may decide to grant to
me/us at its sole discretion.
I/We also agree if any of the above details or the declaration made by me/us is found to be false, then the Bank will be entitled to revoke and/or recall the credit facility.
_
¢/
h
_
B
g
A
m
d
oX
Z
‡
n
Ã
H
o$
g
m
W
g
ßb
æ
Q
>°[
a
\
$
n
Ã
H
$
g
{
h
V
g
~
g
o_
h
À
d
n
yU
©{
Z̀
_
A
m
°a
e
V
m
]H
$
m
on
ãT
>oO
m
Z
oA
m
°a
g
_
P
Z
oH
$
s
n
w{
Ô
>H
$
a
V
m
h
±̌/
H
$
a
V
oh
¢.
_
¢/
h
_
Ò
d
r
H
$
m
a
H
$
a
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
I
a
r
X
r
O
m
Z
od
m
b
r
g
ßn
{
Œ
m
H
$
s
H
$
m
Z
yZ
r
p
Ò
W
{
V
n
a
Ò
d
V
ßÃ
H
$
m
Z
yZ
r
g
b
m
h
b
oZ
oH
o$
~
m
a
o_
|_
wP
o/
h
_
|~
V
m
`
m
J̀
m
h
°.
`
{
X
h
_
B
g
g
b
m
h
H
o$
{
b
E
E
M
E
g
~
r
g
r
H
o$
n
°Z
b
H
o$
d
H
$
s
b
H
$
s
H
$
m
Z
yZ
r
g
b
m
h
b
oV
oh
¢V
m
o_
¢/
h
_
E
og
m
A
n
Z
r
B
¿
N
>m
Z
wg
m
a
H
$
Í
ß$
J
m
/
J
r
/
J
o
V
W
m
B
g
g
ß~
ßY
_
|C
g
d
H
$
s
b
g
o{
H
$
g
r
‡
H
$
m
a
H
o$
{
d
d
m
X
C
À
n
fi
h
m
oZ
oH
$
s
p
Ò
W
{
V
_
|E
M
E
g
~
r
g
r
H
$
m
o{
O
Â
_
oX
m
a
Z
h
t
R
>h
a
m
D
ß$
J
m
/
J
r
/
J
o.
_
¢/
h
_
Ò
d
r
H
$
m
a
H
$
a
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
B
g
A
m
d
oX
Z
n
Ã
H
$
a
Z
oH
$
s
V
m
a
r
I
V
H
$
_
wP
/
h
_
n
a
A
›
`
~
¢H
$
/
{
d
Œ
m
r
`
g
ßÒ
W
m
Z
m
|¤
m
a
m
H
$
m
oB
©H
$
m
Z
yZ
r
H
$
m
`
©d
m
h
r
Z
h
t
H
$
s
J
B
©h
°.
(
A
J
a
h̀
p
Ò
W
{
V
Z
h
m
oV
m
oB
g
oH
$
m
Q
>X
|A
m
°a
H
$
s
J
B
©H
$
m
`
©d
m
{
h̀
m
|/
b
ß{
~
V
_
m
_
b
m
|H
$
s
E
H
$
g
yM
r
A
b
J
g
oX
|)
.
_
¢/
h
_
h̀
^
r
Ò
d
r
H
$
m
a
H
$
a
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
_
wP
o/
h
_
|X
r
O
m
Z
od
m
b
r
g
w{
d
Y
m
E
M
E
g
~
r
g
r
H
$
s
A
m
ßV
[
a
H
$
Z
r
{
V
A
Z
wg
m
a
h
m
oJ
r
,
O
m
og
_
-̀
g
_
`
n
a
‡
^
m
d
r
h
m
og
H
$
V
r
h
°.
B
g
r
H
o$
g
m
W
_
¢/
h
_
Ò
d
r
H
$
m
a
V
W
m
_
m
›
`
H
$
a
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
B
g
g
ß~
ßY
_
|O
m
a
r
V
W
m
\
$
m
∞a
oZ
E
ä g
M
|O
_
°Z
oO
_
|Q
>E
oä Q
>,
1
9
9
9
(
\
$
o_
m
)
H
o$
V
h
V
g
ße
m
o{
Y
V
g
^
r
‡
M
{
b
V
H
$
m
Z
yZ
,
{
Z̀
_
,
{
Z̀
m
_
H
$
,
A
{
Y
g
yM
Z
m
A
m
|,
{
Z
X
}e
m
|`
m
A
m
X
oe
m
|H
o$
‡
m
d
Y
m
Z
m
|H
$
m
o_
¢/
h
_
_
m
Z
yßJ
m
/
J
r
/
J
o.
_
¢/
h
_
Ò
d
r
H
$
m
a
H
$
a
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
{
d
X
oe
_
|Ò
W
m
`
r
Z
m
°H
$
a
r
H
o$
{
g
b
{
g
b
o_
|O
m
Z
og
on
yd
©A
m
°a
/̀
m
{
d
X
oe
J
_
Z
A
m
°a
/̀
m
_
oa
r
/
h
_
m
a
r
Z
m
J
[
a
H
$
V
m
_
|h
m
oZ
od
m
b
on
[
a
d
V
©Z
H
$
s
g
yM
Z
m
E
M
E
g
~
r
g
r
H
$
m
oX
ß̌J
m
/
J
r
/
J
o.
_
¢/
h
_
_
m
›
`
H
$
a
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
B
g
H
ó$
{
S
>Q
>\
o$
g
o{
b
Q
>r
H
o$
A
p
Ò
V
À
d
V
W
m
B
g
H
$
o{
d
d
a
U
H
$
s
O
m
Z
H
$
m
a
r(
Ï
d̀
h
m
a
A
m
°a
_
oa
o¤
m
a
m
h
˛B
©A
j
_
V
m
H
$
m
o{
_
b
m
H
$
a
)
H
ó$
{
S
>Q
>a
o\
´|$
g
E
O
|{
g
g
_
|X
O
©h
m
oO
m
E
J
r
A
m
°a
B
g
O
m
Z
H
$
m
a
r
H
$
m
o(
{
O
g
_
|e
m
{
_
b
h
m
oJ
r
‡
m
og
og
H
$
s
h
˛B
©O
m
Z
H
$
m
a
r
)
~
¢H
$
m
|/
{
d
Œ
m
r
`
g
ßÒ
W
m
Z
m
|V
W
m
A
›
`
{
d
Œ
m
r
`
g
ßÒ
W
m
Z
m
|H
$
m
o,
{
d
Œ
m
g
w{
d
Y
m
H
o$
_
oa
o/
h
_
m
a
o`
m
_
oa
o/
h
_
m
a
on
[
a
d
m
a
H
o$
g
X
Ò̀
m
|¤
m
a
m
A
J
b
oA
m
d
oX
Z
_
|{
d
M
m
a
m
Y
r
Z
H
$
a
Z
oV
W
m
g
_
-̀
g
_
`
n
a
C
Y
m
a
r
H
$
m
n
V
m
b
J
m
Z
oA
m
°a
Y
m
oI
m
Y
S
>r
a
m
oH
$
Z
oH
o$
{
b
E
,
X
r
O
m
E
J
r
.
_
¢/
h
_
_
m
Z
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
_
wP
o/
h
_
|{
X
E
O
m
Z
od
m
b
o_
oa
o/
h
_
m
a
ob
m
oZ
/
E
S
>d
m
ßg
og
/
Z
m
∞Z
\
ß$
S
>~
oÒ
S
>H
ó$
{
S
>Q
>\
o$
g
o{
b
Q
>r
H
o$
{
b
E
E
H
$
n
yd
©{
Z
p
Ì
M
V
e
V
©H
o$
A
Z
wg
m
a
,
V
W
m
B
Z
g
og
ß~
ß{
Y
V
V
W
m
_
oa
o/
h
_
m
a
o¤
m
a
m
{
O
Â
_
oX
m
a
r
{
Z
^
m
Z
o_
|H
$
s
J
B
©{
H
$
g
r
‡
H
$
m
a
H
$
s
A
j
_
V
m
E
ß,
_
oa
o/
h
_
m
a
o¤
m
a
m
b
r
zh
˛B
©/
O
m
Z
od
m
b
r
H
ó$
{
S
>Q
>\
o$
g
o{
b
Q
>r
H
o$
{
b
E
E
M
E
g
~
r
g
r
H
$
m
o,
V
W
m
_
oa
o/
h
_
m
a
o¤
m
a
m
_
m
Z
r
J
B
©{
O
Â
_
oX
m
[
a
`
m
ßH
$
m
o,
_
oa
o/
h
_
m
a
o¤
m
a
m
^
{
d
Ó
`
_
|_
m
Z
r
O
m
Z
od
m
b
r
{
O
Â
_
oX
m
[
a
`
m
|H
o$
g
ß~
ßY
_
|E
M
E
g
~
r
g
r
¤
m
a
m
_
oa
r
/
h
_
m
a
r
O
m
Z
H
$
m
a
r
A
m
°a
A
m
ßH
$
S
>o‡
H
$
Q
>{
H
$
E
O
m
Z
oH
o$
{
b
E
g
h
_
{
V
H
$
s
A
m
d
Ì
H̀
$
V
m
h
m
oJ
r
.
1
.
V
X
Z
wg
m
a
,
_
¢/
h
_
E
V
X
¤
m
a
m
Ò
d
r
H
$
m
a
H
$
a
V
m
/
V
r
/
V
oh
ß̌/
h
¢V
W
m
E
M
E
g
~
r
g
r
(
A
)
_
wP
/
h
_
g
og
ß~
ß{
Y
V
B
Z
O
m
Z
H
$
m
[
a
`
m
|A
m
°a
A
m
ßH
$
S
>m
|H
$
m
o~
V
m
Z
oH
o$
{
b
E
Ò
d
V
ßÃ
h
¢(
~
)
`
m
_
oa
o/
h
_
m
a
o¤
m
a
m
b
r
J
B
©A
W
d
m
b
r
O
m
Z
od
m
b
r
O
m
Z
H
$
m
a
r
V
W
m
A
m
ßH
$
S
>m
|H
$
m
oA
m
°a
(
g
)
_
oa
o/
h
_
m
a
o¤
m
a
m
,
A
n
Z
r
{
O
Â
_
oX
m
a
r
{
Z
^
m
Z
o_
|h
˛B
©{
H
$
g
r
‡
H
$
m
a
H
$
s
A
j
_
V
m
,
{
O
g
oE
M
E
g
~
r
g
r
C
{
M
V
A
m
°a
A
m
d
Ì
H̀
$
g
_
P
|,
H
$
m
oH
ó$
{
S
>Q
>B
›
\
$
m
∞_
}e
Z
„
`
ya
m
o(
B
ß{
S
>`
m
)
{
b
{
_
Q
>oS
>(
g
r
A
m
B
©~
r
A
m
B
©E
b
)
A
m
°a
^
m
a
V
r
`
[
a
O
d
©~
¢H
$
¤
m
a
m
A
{
Y
H
•$
V
,
{
H
$
g
r
A
›
`
E
O
|g
r
H
$
m
oX
|.
2
.
_
¢/
h
_
h̀
d
M
Z
X
oV
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
(
A
)
g
r
A
m
B
©~
r
A
m
B
©E
b
A
m
°a
A
›
`
A
{
Y
H
•$
V
E
O
|g
r
/
„
`
ya
m
o,
E
M
E
g
~
r
g
r
¤
m
a
m
O
wQ
>m
B
©B
g
O
m
Z
H
$
m
a
r
A
m
°a
A
m
ßH
$
S
>m
|H
$
m
C
ǹ
m
oJ
,
‡
m
og
og
H
$
a
g
H
|$
J
oA
m
°a
(
~
)
g
r
A
m
B
©~
r
A
m
B
©E
b
A
m
°a
A
›
`
A
{
Y
H
•$
V
E
O
|g
r
/
„
`
ya
m
oH
$
m
oE
M
E
g
~
r
g
r
¤
m
a
m
O
wQ
>m
B
©A
m
°a
V
°`
m
a
H
$
s
J
B
©B
g
O
m
Z
H
$
m
a
r
A
m
°a
A
m
ßH
$
S
>m
|H
$
m
o~
¢H
$
/
{
d
Œ
m
r
`
g
ßÒ
W
m
Z
m
|A
m
°a
B
g
g
ß~
ßY
_
|^
m
[
a
~
¢¤
m
a
m
A
{
Y
H
•$
V
A
›
`
H
ó$
[
S
>Q
>J
´m
ßQ
>a
m
|H
$
m
oH
$
O
©g
ß~
ß{
Y
V
A
J
b
oA
m
d
oX
Z
/
Z
m
|H
o$
m
{
d
M
m
a
m
Y
r
Z
H
$
a
Z
oH
o$
{
b
E
,
X
og
H
|$
J
o.
3
.
_
¢/
h
_
h̀
d
M
Z
X
oV
m
/
V
r
/
V
oh
ß̌/
h
¢V
W
m
E
M
E
g
~
r
g
r
H
$
m
oA
{
Y
H
•$
V
H
$
a
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
g
r
A
m
B
©~
r
A
m
B
©E
b
A
m
°a
A
›
`
A
{
Y
H
•$
V
E
O
|g
r
/
„
`
ya
m
oH
o$
_
m
‹
`
_
g
od
o,
`
{
X
E
M
E
g
~
r
g
r
H
$
s
Z
r
{
V
A
Z
wg
m
a
,
A
m
d
Ì
H̀
$
X
Ò
V
m
d
oO
A
m
°a
‡
m
og
og
H
o$
n
ya
m
Z
h
m
oZ
oH
$
s
p
Ò
W
{
V
_
|_
oa
r
b
m
oZ
E
p
fl
b
H
o$
e
Z
H
$
m
o
‡
m
og
og
H
$
a
Z
oH
o$
C
‘
oÌ
`
g
oE
H
$
A
{
V
[
a
∫
$
a
n
Q
>~
Z
m
g
H
|$
J
o.
B
g
r
H
o$
g
m
W
_
¢/
h
_
h̀
^
r
_
m
Z
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
_
oa
oA
m
d
oX
Z
n
Ã
_
|C
{
Ñ {
I
V
_
oa
o_
m
o~
m
B
b
n
a
_
oa
o/
h
_
m
a
oA
m
d
oX
Z
H
$
s
{
Ò
W
{
V
V
W
m
I
m
V
oH
o$
g
ßM
m
b
Z
,
g
m
W
h
r
C
À
n
m
X
H
o$
B
Ò
V
o_
m
b
g
ß~
ß{
Y
V
g
ßX
oe
m
|H
$
m
o,
{
O
›
h
|E
M
E
g
~
r
g
r
¤
m
a
m
g
_
-̀
g
_
`
n
a
^
oO
m
O
m
E
J
m
,
_
¢/
h
_
‡
m
·
H
$
Í
ß$
J
m
/
J
r
/
J
|.
_
¢/
h
_
d
m
X
m
H
$
a
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
_
oa
o/
h
_
m
a
o_
m
o~
m
B
b
Z
ß~
a
_
|~
X
b
m
d
h
m
oZ
on
a
_
¢/
h
_
E
M
E
g
~
r
g
r
H
$
m
og
y{
M
V
H
$
Í
ß$
J
m
/
J
r
/
J
o.
_
¢/
h
_
‡
_
m
{
U
V
H
$
a
V
m
/
V
r
/
V
oh
yß/
h
¢{
H
$
_
oa
o/
h
_
m
a
o¤
m
a
m
B
g
A
m
d
oX
Z
n
Ã
_
|X
r
J
B
©O
m
Z
H
$
m
a
r
h
a
—
{
Ô
>g
og
À
`
d
g
h
r
h
°V
W
m
E
M
E
g
~
r
g
r
H
$
m
oA
{
Y
H
$
m
a
h
m
oJ
m
{
H
$
d
og
r
Y
oh
r
`
m
{
H
$
g
r
V
•V
r
`
n
j
¤
m
a
m
B
g
H
$
r
n
w{
Ô
>H
$
a
d
m
g
H
|$
.
B
g
r
H
o$
g
m
W
_
¢/
h
_
n
w{
Ô
>H
$
a
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
E
M
E
g
~
r
g
r
H
$
m
o
A
{
Y
H
$
m
a
h
m
oJ
m
{
H
$
B
g
g
ß~
ßY
_
|d
oM
m
h
|V
m
o{
H
$
g
r
A
›
`
Ú
m
oV
g
o^
r
A
›
`
O
m
Z
H
$
m
a
r
b
og
H
|$
.
_
¢/
h
_
g
_
P
V
m
/
V
r
/
V
oh
yß/
h
¢{
H
$
X
r
J
B
© h̀
O
m
Z
H
$
m
a
r
,
_
wP
o/
h
_
|X
r
O
m
Z
od
m
b
r
{
H
$
g
r
g
w{
d
Y
m
H
$
m
e
wÈ
A
m
V
r
A
m
Y
m
a
h
m
oJ
r
,
O
m
oE
M
E
g
~
r
g
r
A
n
Z
oE
H
$
_
m
Ã
{
d
d
oH
$
n
a
_
wP
o/
h
_
|X
oZ
oH
$
m
{
Z
Ì
M̀
H
$
a
|J
o.
_
¢/
h
_
B
g
~
m
V
H
o$
{
b
E
^
r
g
h
_
V
h
¢{
H
$
`
{
X
_
oa
o/
h
_
m
a
o¤
m
a
m
X
r
J
B
©C
n
a
m
o∫
$
O
m
Z
H
$
m
[
a
`
m
|`
m
K
m
of
U
m
A
m
|_
|g
oH
$
m
oB
©^
r
J
b
V
n
m
B
©O
m
V
r
h
°,
V
m
o~
¢H
$
H
$
m
oC
Y
m
a
g
w{
d
Y
m
H
$
m
od
m
n
g
b
oZ
oA
m
°a
/̀
m
d
m
n
g
~
wb
m
Z
oH
$
m
A
{
Y
H
$
m
a
h
m
oJ
m
.
_
¢/
h
_
‡
_
m
{
U
V
H
$
a
V
m
/
V
r
/
V
oh
yß/
h
¢{
H
$
_
oa
o/
h
_
m
a
o¤
m
a
m
B
g
A
m
d
oX
Z
n
Ã
_
|X
r
J
B
©O
m
Z
H
$
m
a
r
h
a
—
{
Ô
>g
og
À
`
d
g
h
r
h
°V
W
m
E
M
E
g
~
r
g
r
H
$
m
oA
{
Y
H
$
m
a
h
m
oJ
m
{
H
$
d
og
r
Y
oh
r
`
m
{
H
$
g
r
V
•V
r
`
n
j
¤
m
a
m
B
g
H
$
r
n
w{
Ô
>H
$
a
d
m
g
H
|$
.
_
¢/
h
_
n
w{
Ô
>H
$
a
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
O
m
oS
>oJ
E
(
O
m
oS
>oJ
E
n
•
>m
|H
$
s
g
ߪ̀
m
{
b
I
|)
n
•
>m
|_
|
_
oa
o/
h
_
m
a
oA
m
d
oX
Z
n
Ã
_
|g
h
mH̀
$
X
Ò
V
m
d
oO
m
|H
o$
Í
$
n
_
|\
$
m
B
Z
|Z
{
è
b
/
~
¢H
$
Ò
Q
>oQ
>_
|Q
≤>g
/
Q
>mQ̀
>b
/
b
r
J
b
X
Ò
V
m
d
oO
m
|H
$
s
‡
{
V̀
m
ßh
¢V
W
m
‡
_
m
[
U
V
H
$
a
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
d
oQ
Ø>H
$
m
∞n
r
O
h
¢.
B
g
r
H
o$
g
m
W
_
¢/
h
_
n
w{
Ô
>H
$
a
V
m
/
V
r
/
V
oh
ß̌/
h
¢{
H
$
E
M
E
g
~
r
g
r
H
$
m
oA
{
Y
H
$
m
a
h
m
oJ
m
{
H
$
B
g
g
ß~
ßY
_
|d
oM
m
h
|V
m
o{
H
$
g
r
A
›
`
Ú
m
oV
g
o^
r
A
›
`
O
m
Z
H
$
m
a
r
b
og
H
|$
.
_
¢/
h
_
g
_
P
V
m
/
V
r
/
V
oh
yß/
h
¢{
H
$
X
r
J
B
© h̀
O
m
Z
H
$
m
a
r
,
_
wP
o/
h
_
|X
r
O
m
Z
od
m
b
r
{
H
$
g
r
g
w{
d
Y
m
H
$
m
e
wÈ
A
m
V
r
A
m
Y
m
a
h
m
oJ
r
,
O
m
oE
M
E
g
~
r
g
r
A
n
Z
oE
H
$
_
m
Ã
{
d
d
oH
$
n
a
_
wP
o/
h
_
|X
oZ
oH
$
m
{
Z
Ì
M̀
H
$
a
|J
o.
_
¢/
h
_
B
g
~
m
V
H
o$
{
b
E
^
r
g
h
_
V
h
¢{
H
$
`
{
X
_
oa
o/
h
_
m
a
o¤
m
a
m
X
r
J
B
©C
n
a
m
o∫
$
O
m
Z
H
$
m
[
a
`
m
|`
m
K
m
of
U
m
A
m
|_
|g
oH
$
m
oB
©^
r
J
b
V
n
m
B
©O
m
V
r
h
°,
V
m
o~
¢H
$
H
$
m
oC
Y
m
a
g
w{
d
Y
m
H
$
m
od
m
n
g
b
oZ
oA
m
°a
/̀
m
d
m
n
g
~
wb
m
Z
oH
$
m
A
{
Y
H
$
m
a
h
m
oJ
m
.
l
/
Ñz A
d
°k
d
\
_
Æ A
p
ù
A
°R
>
u
A
°L
$
°A
p
A
f
∆
`
”
L
$k
p
\
°≈
X
°$
°g
u
V
$
°q
f
a
i
u
V
$k
r
l
s
d
p
ı
°V
$C
Á
p̀
V
°$
Æfi
V
$V
$Á
k
ÆA
fi
°X
$L
$
Ñq
X
$i
fi
k
(
A
d
° A
p
C
V
$u
k
u
k
p
\
• u
d
l
“
h̀
Z
| Ær
_
e
d
p
°A
_
°i
f
s
p
)
° h
p
√
Ñ e
p
A
_
°k
d
∆
g
u
^
p
R
>
.
°
l
zÑ/
A
d
° l̀
p
¢Q
A
p
ù
A
°R
>
u
A
°L
°$M
f
u
v
$u
L
$f
p
_
p
f
r
d
g
L
$s
_
u
L
$p
_
|_
u
[
ı
\
r
s
f̀
ı
h
s
Ñ”
L
$p
_
|_
u
k
g
p
l
g
°h
p
_
u
d
_
°/
A
d
_
°k
g
p
l
A
p
h̀
p
d
p
ÑA
p
h
u
R
>
°.
≈
°L
$p
_
|_
u
k
g
p
l
d
p
V
°$l
zÑ/
A
d
°A
°Q
A
°k
b
u
k
u
_
p
`
°_
g
_
p
h
L
$u
g
_
p
°
k
Ñ L̀
Æ$L
$f
u
A
°s
p
°l
zÑ/
A
d
° l̀
p
¢Q
A
p
ù
A
°R
>
u
A
°L
°$l
zÑ/
A
d
°A
p
h
yÑ L
$f
h
p
d
p
f
p
/
A
d
p
f
p
‹
p
f
pp̀
°s
p
_
u
S
>
h
p
b
v
$p
f
u
A
°L
$f
h
p
k
Ñd
s
R
>
u
A
°A
_
°A
°Q
A
°k
b
u
k
u
_
°A
°A
°Q
A
°k
b
u
k
u
_
p
`
°_
g
_
p
h
L
$u
g
p
°k
p
\
°d
_
°/
A
d
_
°\
C
i
L
°$s
°h
p
L
$p
°C
Z̀
r
h
M
h
p
v
$p
°d
p
V
°$D
—
f
v
$p
e
u
N
Z
u
i
_
l
]
.
l
zÑ/
A
d
°A
°Q
A
°k
b
u
k
u
_
°d
p
f
u
/
A
d
p
f
up̀
k
°\
u
L
$p
°C
Z̀
Q
p
°Ω
$k
k
Ñd
r
s
L
°$A
r
^
L
©$r
s
r
h
_
p
A
°Q
A
°k
b
u
k
u
‹
p
f
p
L
$p
°C
Z̀
‚
L
$p
f
_
u
A
p
D
V
$k
p
°k
ÆX
$k
°h
p
A
p
° D̀
g
Â
^
L
$f
h
p
d
p
V
°$A
p
h
p
k
°h
p
‚
v
$p
s
p
A
p
°_
°d
p
f
p
/
A
d
p
f
p
ÑM
p
s
p
Ñ/
æ
°$q
X
$V
$k
yr
h
^
p
A
p
°_
u
r
h
N
s
p
°A
p
h̀
p
A
_
°æ
°$q
X
$V
$k
yr
h
^
p
d
p
V
°$d
p
f
u
A
f
∆
_
u
‚
q
æ
$e
p
L
$f
h
p
A
p
h
Ì
e
L
$d
yS
>
b
s
°_
u
k
°h
p
‚
v
$p
s
p
A
p
°A
_
°A
p
h
p
”
u
≈
ǹ
p
°k
p
\
°d
p
f
p
/
A
d
p
f
p
k
Ñb
Ñ^
u
d
p
r
l
s
u
_
yÑ A
p
v
$p
_
‚
v
$p
_
L
$f
h
p
_
p
A
r
^
L
$p
f
_
°
l̀
p
¢Q
A
p
ù
A
°R
>
u
A
°.
l
zÑ/
A
d
°A
°Q
A
°k
b
u
k
u
L
°$c
p
f
s
d
p
ÑA
\
h
p
v
$q
f
e
p
p̀
f
d
p
Ñ[
ı
\
s
A
p
h
u
k
°h
p
‚
v
$p
s
p
A
p
°L
$p
°C
Z̀
L
$p
e
v
$p
,
r
_
e
d
L
°$r
_
e
d
_
‹
p
f
p
A
p
h
Ì
e
L
$l
p
°e
A
\
h
p
L
$p
°C
Z̀
k
f
L
$p
f
u
L
°$r
_
e
d
_
k
—
p
A
°r
h
_
Ñs
u
L
$f
u
l
p
°e
A
\
h
p
W
$N
p
C
V
$p
m
h
p
_
p
l
°s
y\
u
A
p
h
u
≈
l
°f
p
s
A
p
h
Ì
e
L
$l
p
°e
s
p
°A
p
h
u
d
p
r
l
s
u
≈
l
°f
L
$f
h
p
d
p
V
°$ l̀
p
¢Q
A
p
`
yÑ R
y>
Ñ.
l
zÑ/
A
d
°A
”
°≈
l
°f
L
$f
u
A
°R
>
u
A
°L
°$l
zÑ/
A
d
°L
$p
°C
Z̀
A
°Q
A
°k
b
u
k
u
N
∞y`
_
u
L
Ñ$`
_
u
A
p
°_
p
b
°fi
L
$_
p
L
$p
°C
Z̀
r
k
r
_
e
f
A
p
°q
a
k
f
L
°$L
$p
°C
Z̀
X
$p
e
f
°º
V
$f
p
°k
p
\
°_
∆
L
$d
p
Ñk
Ñb
Ñ^
^
f
p
h
s
p
_
\
u
(
L
©$ p̀
L
$f
u
_
°A
p
h
yÑ _
l
p
°e
s
p
°R
>
°L
$u
_
p
M
p
°A
_
°k
yk
ÑN
s
k
Ñb
Ñr
^
s
Ï
e
[
º
s
A
p
°_
u
A
g
N
e
p
v
$u
A
p
p̀
°)
.
l
zÑ/
A
d
°k
Ñd
r
s
A
_
°k
d
\
Æ_
A
p
ù
A
°R
>
u
A
°L
°$A
°Q
A
°k
b
u
k
u
d
p
f
p
/
A
d
p
f
p
k
Ñb
Ñr
^
s
d
p
r
l
s
u
s
°_
u
k
°h
p
‚
v
$p
s
p
A
p
°A
_
°A
p
h
p
”
u
≈
ǹ
p
°k
p
\
°D
^
p
f
k
yr
h
^
p
d
p
V
°$d
p
f
u
A
f
∆
_
u
‚
q
æ
$e
p
d
p
ÑA
p
h
Ì
e
L
$d
yS
>
b
A
p
v
$p
_
‚
v
$p
_
L
$f
u
i
L
$i
°.
l
zÑ/
A
d
° l̀
p
¢Q
A
p
ù
A
°R
>
u
A
°L
°$A
°Q
A
°k
b
u
k
u
c
p
f
s
d
p
ÑL
°$v
$q
f
e
p
p̀
f
d
p
Ñ[
ı
\
s
L
$p
°C
Z̀
k
°h
p
‚
v
$p
s
p
_
°L
$p
°C
Z̀
‚
h
©r
—
A
p
°r
_
e
yº
s
L
$f
u
i
L
°$A
_
°A
°Q
A
°k
b
u
k
u
N
∞y`
_
u
L
Ñ$`
_
u
L
°$”
u
≈
° ǹ
q
f
T
h
Æb
°fi
L
$A
p
°a
C
[
fi
X
$e
p
(
A
p
f
b
u
p
C
)
_
u
g
p
N
yd
p
N
Æv
$r
i
ÆL
$p
A
_
yk
p
f
s
°_
u
d
f
∆
A
°r
_
e
yº
s
L
$f
u
i
L
°$R
>
°.
l
zÑ/
A
d
°A
° Z̀
l̀
p
¢Q
A
p
ù
A
°R
>
u
A
°L
°$A
°Q
A
°k
b
u
k
u
d
p
f
p
/
A
d
p
f
p
M
p
s
p
/
D
^
p
f
_
u
k
yr
h
^
p
A
p
°_
u
r
h
N
s
p
°d
p
f
u
L
$p
°C
Z̀
Q
p
°Ω
$k
k
Ñd
r
s
L
°$
A
r
^
L
©$r
s
r
h
_
p
A
°Q
A
°k
b
u
k
u
‹
p
f
p
L
$p
°C
Z̀
‚
L
$p
f
_
u
A
p
D
V
$k
p
°ı
X
Æ$k
°h
p
A
p
°d
°m
h
h
p
d
p
V
°$A
p
h
u
k
°h
p
‚
v
$p
s
p
A
p
°_
°`
|f
up̀
X
$u
i
L
°$R
>
°.
l
zÑ A
° Z̀
l̀
p
¢Q
A
p
`
yÑ R
y>
ÑL
°$A
°Q
A
°k
b
u
k
u
L
°$A
p
h
u
k
°h
p
‚
v
$p
s
p
A
p
°,
c
p
f
s
d
p
ÑL
°$
v
$q
f
e
p
p̀
f
d
p
Ñ[
ı
\
s
l
p
°e
s
p
° Z̀
L
$p
°C
Z̀
L
$p
e
v
$p
°,
r
_
e
d
L
°$r
_
e
d
_
‹
p
f
p
A
p
h
Ì
e
L
$L
°$d
ÑS
|>
f
l
p
°e
L
°$L
$p
°C
Z̀
≈
l
°f
L
°$r
_
e
d
_
k
—
p
_
u
r
h
_
Ñs
u
A
°A
\
h
p
R
>
°s
f
t
X̀
$u
V
$p
m
h
p
d
p
V
°$A
p
h
u
≈
l
°f
p
s
A
p
h
Ì
e
L
$l
p
°e
s
p
°A
p
h
u
d
p
r
l
s
u
≈
l
°f
L
$f
u
i
L
$i
°.
l
zÑ/
A
d
° l̀
p
¢Q
A
p
ù
A
°R
>
u
A
°L
°$A
p
D
^
p
f
k
yr
h
^
p
A
_
°s
°d
p
Ñ_
u
r
h
N
s
p
°(
d
p
f
p
‹
p
f
p
L
$f
p
e
°g
u
g
°Z
v
°$Z
A
_
°L
$p
°C
Z̀
L
$k
|f
_
u
r
h
N
s
p
°k
r
l
s
)
_
u
d
p
°S
|>
v
$N
u
æ
°$q
X
$V
$f
°a
f
fi
k
A
°S
>
fi
k
u
A
p
°d
p
Ñ_
p
¢^
L
$f
p
i
°A
_
°A
p
h
u
d
p
r
l
s
u
(
‚
q
æ
$e
p
L
$f
°g
u
d
p
r
l
s
u
k
q
l
s
)
d
p
f
p
/
A
d
p
f
p
A
_
°/
A
\
h
p
d
p
f
p
/
A
d
p
f
p
O
f
_
p
k
Ê
e
p
°‹
p
f
p
D
^
p
f
d
p
V
°$h
^
yA
f
∆
A
p
°_
yÑ A
p
L
$g
_
L
$f
h
p
A
_
°‚
p
k
Ñr
N
L
$F
>
Z
_
yÑ Ǹ
°f
yÑ f
p
M
h
p
A
_
°W
$N
p
C
V
$p
m
h
p
d
p
V
°$b
°fi
L
$p
°/
_
p
Z
p
L
$u
e
k
Ñı
\
p
A
p
°A
_
°
D
^
p
f
A
p
`
_
p
f
k
p
\
°A
p
v
$p
_
‚
v
$p
_
L
$f
p
i
°.
1
.
A
p
d
yS
>
b
l
zÑ/
A
d
°k
h
ÆL
$°A
p
h
u
L
$p
°C
Z̀
d
p
r
l
s
u
A
°Q
A
°k
b
u
k
u
‹
p
f
p
≈
l
°f
L
$f
h
p
d
p
V
°$k
Ñd
s
R
>
u
A
°A
_
°k
Ñd
r
s
A
p
ù
A
°R
>
u
A
°:
(
A
°)
d
p
f
p
/
A
d
p
f
p
k
Ñb
Ñ^
u
d
p
r
l
s
u
A
_
°X
°$V
$p
,
(
b
u
)
d
p
f
p
/
A
d
p
f
p
‹
p
f
p
g
°h
p
e
°g
u
/
g
°h
p
_
p
f
u
L
$p
°C
Z̀
D
^
p
f
k
yr
h
^
p
k
Ñb
Ñ^
u
d
p
r
l
s
u
L
°$X
°$V
$p
A
_
°(
k
u
)
d
p
f
p
e
A
d
p
f
p
‹
p
f
p
S
>
h
p
b
v
$p
f
up̀
f
p̀
X
$h
p
d
p
Ñd
p
f
p
/
A
d
p
f
p
‹
p
f
p
≈
°L
$p
°C
Z̀
L
$k
|f
L
$f
p
e
s
p
°s
°d
p
r
l
s
u
A
°Q
A
°k
b
u
k
u
_
°S
>
Í
$f
u
A
_
°e
p
°¡
e
g
p
N
°s
°
d
yS
>
b
q
f
T
h
Æb
°fi
L
$A
p
°a
C
[
fi
X
$e
p
(
A
p
f
b
u
A
p
C
)
h
s
u
æ
°$q
X
$V
$C
fi
a
p
°d
£i
_
Â
e
yf
p
°(
C
r
fi
X
$e
p
)
r
g
r
d
V
°$X
$(
r
k
r
b
g
)
A
_
°L
$p
°C
Z̀
A
fi
e
A
°S
>
fi
k
u
_
°A
r
^
L
©$r
s
A
p
ù
A
°R
>
u
A
°.
2
.
l
zÑ/
A
d
°b
p
Ñe
^
f
u
A
p
ù
A
°R
>
u
A
°L
°$:
(
A
°)
r
k
r
b
g
A
_
°L
$p
°C
Z̀
A
fi
e
A
°S
>
fi
k
u
/
Â
e
yf
p
°L
°$S
>
°_
°A
p
h
u
A
r
^
L
©$r
s
À
p
C
R
>
°s
°A
°Q
A
°k
b
u
k
u
‹
p
f
p
≈
l
°f
L
$f
p
e
°g
u
L
$r
\
s
d
p
r
l
s
u
A
_
°X
°$V
$p
_
p
° D̀
e
p
°N
,
‚
q
æ
$e
p
L
$f
u
i
L
°$R
>
°
A
_
°(
b
u
)
r
k
r
b
g
A
_
°L
$p
°C
Z̀
A
fi
e
A
°S
>
fi
k
u
L
°$S
>
°_
°A
p
h
u
A
r
^
L
©$r
s
À
p
C
l
p
°e
s
°A
p
k
Ñb
Ñ^
d
p
ÑA
p
f
b
u
A
p
C
‹
p
f
p
r
_
^
p
Æq
f
s
d
yS
>
b
b
°fi
L
$p
°/
_
p
Z
p
L
$u
e
k
Ñı
\
p
A
p
°A
°A
_
°A
fi
e
D
^
p
f
A
p
`
_
p
f
_
°s
°d
_
p
‹
p
f
p
s
•e
p
f
L
$f
p
e
°g
u
d
p
r
l
s
u
A
_
°X
°$V
$p
L
°$‚
p
°X
$º
V
$p
°r
h
Q
p
f
Z
p
A
_
°‚
q
æ
$e
p
L
$f
h
p
d
p
V
°$A
p
ù
i
L
°$R
>
°.
3
.
l
yÑ/
A
d
°k
Ñd
s
R
>
u
A
°A
_
°A
°Q
b
u
k
u
_
°A
r
^
L
©$r
s
A
p
ù
A
°R
>
u
A
°L
°$A
°Q
A
°k
b
u
k
u
_
u
_
u
r
s
A
_
yk
p
f
`
|Z
Æ_
L
$f
p
e
yÑ l
p
°e
s
°h
yÑ S
>
Í
$f
u
v
$ı
s
p
h
°∆
L
$f
Z
A
_
°‚
q
æ
$e
p
A
p
°_
p
q
L
$ı
k
p
d
p
Ñd
p
f
u
g
p
°_
_
u
A
f
∆
_
u
‚
q
æ
$e
p
r
k
r
b
g
L
°$
A
r
^
L
©$s
A
°S
>
fi
k
u
/
Â
e
yf
p
°d
p
f
a
s
h
^
p
f
p
_
p
A
l
°h
p
g
È
≈
h
u
i
L
$i
°.
l
zÑ/
A
d
°A
° Z̀
k
Ñd
r
s
A
p
ù
A
°R
>
u
A
°L
°$A
°Q
A
°k
b
u
k
u
A
f
∆
`
”
L
$d
p
ÑA
p
‡
e
p
d
yS
>
b
d
p
f
p
/
A
d
p
f
p
d
p
°b
p
C
g
_
Ñb
f
f̀
k
d
e
p
Ñs
f
°d
p
f
u
/
A
d
p
f
u
A
f
∆
_
u
[
ı
\
r
s
A
_
°M
p
s
p
_
u
‚
h
©r
—
s
°d
S
>‚
p
°X
$º
V
$D̀
e
p
°N
k
Ñv
°$i
p
A
p
°
k
Ñb
Ñ^
u
A
°k
A
°d
A
°k
A
°g
V
Æ$k
A
°Q
A
°k
b
u
k
u
‹
p
f
p
d
p
°L
$g
h
p
d
p
ÑA
p
h
i
°s
°‚
p
‡
s
L
$f
u
i
yÑ.
l
zÑ/
A
d
°b
p
Ñe
^
f
u
A
p
ù
A
°R
>
u
A
°L
°$d
p
f
p
/
A
d
p
f
p
d
p
°b
p
C
g
a
p
°_
_
Ñb
f
d
p
ÑL
$p
°C
Z̀
a
°f
a
p
f
_
p
q
L
$ı
k
p
d
p
ÑA
°Q
A
°k
b
u
k
u
_
°≈
Z
L
$f
p
i
°.
l
zÑ/
A
d
°‚
d
p
r
Z
s
L
$f
u
A
°R
>
u
A
°L
°$A
p
A
f
∆
`
”
L
$d
p
Ñd
p
f
p
/
A
d
p
f
p
‹
p
f
p
A
p
h̀
p
d
p
ÑA
p
h
°g
u
d
p
r
l
s
u
k
h
Æk
Ñb
Ñ^
d
p
Ñk
p
Q
u
A
_
°A
k
g
R
>
°A
_
°A
°Q
A
°k
b
u
k
u
‚
–
e
n
L
°$L
$p
°C
Z̀
”
u
≈
ǹ
_
p
A
°S
>
fi
V
$d
p
f
a
s
s
° s̀
p
k
u
i
L
°$R
>
°.
l
zÑ/
A
d
°A
° Z̀
k
Ñd
r
s
A
p
ù
A
°R
>
u
A
°L
°$d
p
f
p
/
A
d
p
f
p
‹
p
f
p
A
p
h̀
p
d
p
ÑA
p
h
°g
u
D
º
s
r
h
N
s
p
°A
\
h
p
≈
l
°f
_
p
d
yÑ M
p
°V
yÑ$_
u
L
$m
°s
p
°b
°fi
L
$æ
°$r
X
$V
$k
yr
h
^
pp̀
R
>
u
M
¢Q
h
p
A
_
°/
A
\
h
pp̀
R
>
u
d
N
p
h
u
g
°h
p
d
p
V
°$l
L
$v
$p
f
R
>
°.
Signature of the co-applicant
Signature of the applicant
g
h
A
m
d
X
oH
$
H
$
oh
Ò
V
m
j
a
k
l
A
f
S
>
v
$p
f
_
u
k
l
u
A
m
d
X
oH
$
H
$
oh
Ò
V
m
j
a
A
f
S
>
v
$p
f
_
u
k
l
u
CHANGE OF ADDRESS DECLARATION/n
V
o_
|n
[
a
d
V
©Z
H
$
s
K
m
of
U
m
/
k
f
_
p
d
yÑb
v
$g
u
_
yÑ≈
l
°f
_
p
d
yÑ
This is to confirm that I/we ________________________________________________________________________________________________________________ , in the event of
change in address due to relocation or any other reason, I/we would intimate the new address to HSBC India within two weeks of such a change.
h̀
B
g
~
m
V
H
$
s
n
w{
Ô
>H
$
a
Z
oH
o$
{
b
E
h
°{
H
$
_
¢/
h
_
____________________________________________________________________________________________________________________ ,
‡
{
V
Ò
W
m
{
n
V
h
m
oZ
o`
m
{
H
$
g
r
A
›
`
H
$
m
a
U
g
on
V
o_
|n
[
a
d
V
©Z
h
m
oZ
oH
$
s
p
Ò
W
{
V
_
|,
_
¢/
h
_
E
og
on
[
a
d
V
©Z
H
o$
X
m
og
·
m
h
H
o$
^
r
V
a
Z
E
n
V
oH
$
s
g
yM
Z
m
E
M
E
g
~
r
g
r
B
ß{
S
>`
m
H
$
m
oX
y±J
m
/
X
|J
o.
A
”
°k
d
\
Æ_
A
p
h̀
p
d
p
ÑA
p
h
°R
>
°L
°$l
zÑ/
A
d
° __________________________________________________________________________________________________________________,
ı
\
m
b
v
$g
h
pf̀
A
\
h
p
L
$p
°C
Z̀
L
$p
f
Z
k
f
k
f
_
p
d
yÑ b
v
$g
u
L
$f
u
A
°s
p
°l
zÑ/
A
d
°A
p
h
p
a
°f
a
p
f
_
p
b
°k
‡
s
p
l
d
p
ÑA
°Q
A
°k
b
u
k
u
C
[
fi
X
$e
p
_
p
_
h
p
k
f
_
p
d
°≈
Z
L
$f
u
i
yÑ.
Signature of the applicant
A
m
d
X
oH
$
H
$
oh
Ò
V
m
j
a
A
f
S
>
v
$p
f
_
u
k
l
u
Signature of the co-applicant
g
h
A
m
d
X
oH
$
H
$
oh
Ò
V
m
j
a
k
l
A
f
S
>
v
$p
f
_
u
k
l
u
FOR OFFICE USE ONLY / H
$
m
m̀
©b̀
r
Z
C
ǹ
m
oJ
H
o$
{
b
E
/a
º
s
A
p
°q
a
k
_
p
D̀
e
p
°N
d
p
V
°$
RM code
Segment code /
A
m
a
E
_
H
$
m
oS
>
g
oΩ
_
|Q
>H
$
m
oS
>
A
p
f
A
°d
L
$p
°X
$
File reference no. /
p
C
g
k
Ñv
$c
Æ_
Ñ.
\
$
m
B
b
a
o\
´|$
g
Z
ß.a
k
°N
d
°fi
V
$L
$p
°X
$
A
›
`
A
fi
e
p
°
ßQ
>a
_
r
{
S
>à
r
Z
m
_
A
m
°a
H
$
m
oS
>
Intermediary name and code / B
d
›
e
ı
\
u
_
yÑ _
p
d
A
_
°L
$p
°X
$
Relationship Manager (RM) name /
q
f
g
°i
_
r
ì
d
°_
°S
>
f
(
A
p
f
A
°d
)
_
yÑ _
p
d
[
a
b
oe
Z
{
e
n
_
°Z
oO
a
(
A
m
a
E
_
)
H
$
m
Z
m
_
oa
r
C
n
p
Ò
W
{
V
_
|h
Ò
V
m
j
a
{
H
$
E
d
p
f
u
l
p
S
>
f
u
d
p
Ñk
l
u
Signed in my presence / _
Signature of the Relationship Manager
[
a
b
oe
Z
{
e
n
_
°Z
oO
a
H
o$
h
Ò
V
m
j
a
q
f
g
°i
_
r
ì
d
°_
°S
>
f
_
u
k
l
u
~
¢H
$
H
$
s
‡
{
V
b
°fi
L
$_
u
_
L
$g
BANK COPY
CUSTOMER COPY
m
{
·
l̀
p
¢Q
ACKNOWLEDGEMENT / ‡
J
´m
h
H
$
H
$
s
‡
{
V
N
∞p
l
L
$_
u
_
L
$g
ACKNOWLEDGEMENT /
‡
m
{
·
l̀
p
¢Q
Loan application received on
Loan application received on
DD/MM/YYYY
DD/MM/YYYY
H
$
O
©A
m
d
X
oZ
n
Ã
______________________________ H
$
m
o‡
m
·
h
A
˛ m
H
$
O
©A
m
d
X
oZ
n
Ã
______________________________ H
$
m
o‡
m
·
h
A
˛ m
{
X
Z
/
_
m
h
/
d
f
©
{
X
Z
/
_
m
h
/
d
f
©
______________________________
g
p
°_
A
f
∆
‚
p
‡
s
_
p
f
p
°S
>
______________________________
g
p
°_
A
f
∆
‚
p
‡
s
_
p
f
p
°S
>
q
v
$q
v
$/
d
d
/
h
h
h
h
q
v
$q
v
$/
d
d
/
h
h
h
h
Complete document set received on
Complete document set received on
DD/MM/YYYY
DD/MM/YYYY
n
a
y oX
Ò
d
m
d
O
o H
$
m
g
Q
o >‡
m
·
______________________________ H
$
m
o‡
m
·
h
A
˛ m
n
a
y oX
Ò
d
m
d
O
o H
$
m
g
Q
o >‡
m
·
______________________________ H
$
m
o‡
m
·
h
A
˛ m
______________________________
k
Ñ`
|Z
Æv
$ı
s
p
h
°≈
°_
p
°k
ÑQ
‚
p
‡
s
_
p
f
p
°S
>
______________________________
k
Ñ`
|Z
Æv
$ı
s
p
h
°≈
°_
p
°k
ÑQ
‚
p
‡
s
_
p
f
p
°S
>
Request will be disposed of and acceptance/rejection notification will be mailed within 15 days
from the date of receipt of completed application form with supporting documentation.
Request will be disposed of and acceptance/rejection notification will be mailed within 15 days
from the date of receipt of completed application form with supporting documentation.
A
Z
a
wm
Y
o n
a
‹
`
m
Z
[
X̀
m
O
m
E
J
m
V
W
m
Ò
d
r
H
$
m
a
m
{
o∫
$
/
A
Ò
d
r
H
$
•{
V
H
$
s
g
M
yZ
m
n
a
yr
V
a
h
^
a
oh
E
˛ A
m
d
X
oZ
d
g
h
mH̀
$
X
Ò
V
m
d
O
o m
|H
$
o
{
_
b
Z
oH
$
o1
5
{
X
Z
m
|H
$
o^
r
V
a
^
O
o X
r
O
m
E
J
r
.
r
h
_
Ñs
u
_
p
°r
_
L
$p
g
g
h
p
i
°A
_
°k
d
\
Æ_
A
p
s̀
p
v
$ı
s
p
h
°∆
L
$f
Z
k
p
\
°k
Ñ`
|Z
ÆA
f
∆
`
”
L
$_
u
‚
p
r
‡
s
_
u
s
p
f
u
M
\
u
1
5
q
v
$h
k
_
u
A
Ñv
$f
ı
h
u
L
$p
f
/
A
ı
h
u
L
$p
f
_
u
≈
Z
L
$f
p
i
°.
A
Z
a
wm
Y
o n
a
‹
`
m
Z
[
X̀
m
O
m
E
J
m
V
W
m
Ò
d
r
H
$
m
a
m
{
o∫
$
/
A
Ò
d
r
H
$
•{
V
H
$
s
g
M
yZ
m
n
a
yr
V
a
h
^
a
oh
E
˛ A
m
d
X
oZ
d
g
h
mH̀
$
X
Ò
V
m
d
O
o m
|H
$
o
{
_
b
Z
oH
$
o1
5
{
X
Z
m
|H
$
o^
r
V
a
^
O
o X
r
O
m
E
J
r
.
r
h
_
Ñs
u
_
p
°r
_
L
$p
g
g
h
p
i
°A
_
°k
d
\
Æ_
A
p
s̀
p
v
$ı
s
p
h
°∆
L
$f
Z
k
p
\
°k
Ñ`
|Z
ÆA
f
∆
`
”
L
$_
u
‚
p
r
‡
s
_
u
s
p
f
u
M
\
u
1
5
q
v
$h
k
_
u
A
Ñv
$f
ı
h
u
L
$p
f
/
A
ı
h
u
L
$p
f
_
u
≈
Z
L
$f
p
i
°.
Processing fees of `
dated
DD/MM/YYYY
Processing fees of `
dated
DD/MM/YYYY
{
X
Z
/
_
m
h
/
d
f
©
{
X
Z
/
_
m
h
/
d
f
©
q
v
$q
v
$/
d
d
/
h
h
h
h
q
v
$q
v
$/
d
d
/
h
h
h
h
received by cheque no.
drawn on
received by cheque no.
drawn on
Bank, which will not be refunded.
{
X
Z
/
_
m
h
/
d
f
©
{
X
Z
/
_
m
h
/
d
f
©
_________ ‹
_________ _
‚
q
æ
$e
p
a
u
` _________Q
°L
$_
Ñ.
p
f
p
s
p
f
u
M
p
f
p
°S
>
_________ ‹
_________ _
‚
q
æ
$e
p
a
u
` _________Q
°L
$_
Ñ.
p
f
p
s
p
f
u
M
p
f
p
°S
>
___________________________ b
°fi
L
$_
°_
p
d
°‚
p
‡
s
\
C
R
>
°,
S
>
°q
f
a
ÑX
$L
$f
p
i
°_
l
]
.
___________________________ b
°fi
L
$_
°_
p
d
°‚
p
‡
s
\
C
R
>
°,
S
>
°q
f
a
ÑX
$L
$f
p
i
°_
l
]
.
______________________________________________
Signature of customer /
______________________________________________
Signature of the Relationship Manager
q
v
$q
v
$/
d
d
/
h
h
h
h
J
m
´h
H
$
H
$
oh
Ò
V
m
j
a
N
p
∞l
L
$_
u
k
l
u
q
v
$q
v
$/
d
d
/
h
h
h
h
[
a
b
e
o Z
{
e
n
_
Z
°O
o a
H
$
oh
Ò
V
m
j
a
q
f
g
°i
_
r
ì
d
°_
°S
>
f
_
u
k
l
u
PRINT
HML APPF 03/15
SAVE
Issued by The Hongkong and Shanghai Banking Corporation Limited, India. Incorporated in Hong Kong SAR with limited liability.