Personal Loan Application Form

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Different needs, one answer
Personal Loans from HSBC
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Key things you should know
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HSBC offers Personal Loans from `75,000 upto `750,000 to existing customers with repayment tenure of upto 5 years
(Premier customers can avail of Personal Loans upto `1,000,000)
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The Personal Loan is offered at a rate of interest which is fixed across the tenure of the loan. Terms on which the loan is
offered are stated in the loan agreement
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Please read the loan agreement carefully and ensure that key terms such as interest rate, processing fees, prepayment
charges are clearly stated before you sign the agreement
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You can prepay the Personal Loan after 6 months of loan disbursement by giving a written instruction to the Bank. Partial
prepayment is not allowed
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Refer to the 'Loan Service Charges and Fees' section of our website [Link] for service charges (including
prepayment charges) applicable on your loan post disbursement
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Interest on your Personal Loan account accrues on a daily basis and is payable in Equated Monthly Instalments (EMI) on
the due date
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You can pay your EMIs through Electronic Clearing System (ECS) or by setting up a Standing Instruction (SI) on your
HSBC Bank Account or through Post Dated Cheques (PDCs)
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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 Bureau -CIBIL)
- Other credit facilities availed from HSBC
In addition to the above, the bank may initiate recovery proceedings to recover the dues
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Please visit Personal Loans section of our website [Link] for detailed terms and conditions
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HSBC will notify you of any changes in the terms and conditions of this product with prior notice of one month

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Name/Zm_ ____________________________________________________________________________________
First/nhbm Middle/_‹` Last/ Aß{V_ Please affix and
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 Mr./lr  Mrs./ lr_Vr  Ms./Hw$_mar  Dr./S>m∞.  Others/ A›` _____________________________________ recent photograph/
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Mother's name before marriage (We will only use this for caller identification)/
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Definition:
1
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
2
'Relative' defined under as:
Ÿ Any immediate ascendant, any spouse or former spouse of any such ascendant, and any brother or sister of any such spouse or former spouse;
Ÿ Any immediate descendant, and any spouse or former spouse of any such descendant;
Ÿ Any brother or sister, aunt or uncle, grandparents, grandchildren and their spouses, any nephew or niece and any first cousin;
Ÿ 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;
Ÿ 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
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I/We do hereby certify that the information provided by me/us in this application form is true and correct in all respects and The Hongkong and Shanghai Banking
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11
I/We further agree to receive SMS alerts related to my/our application status and account activity as well as product use messages that the Bank will send, from time to
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The fees and charges for Personal Loan are set out in the tariff sheet or can be enquired through
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Personal Loan processing charges Upto 2% of the disbursed loan amount. Processing fee paid/deducted is
non-refundable
Prepayment charges 4% of the outstanding amount. Prepayment is allowed only after
6 months from the date of Personal Loan disbursal
Cheque return charges ` 350
Cheque swap charges ` 250
Late payment charges 2% over the applicable interest rate on the delayed instalments plus
` 250 for each late payment

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Personal Loan is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (Bank)
and is available in the cities of Mumbai, Delhi, Pune, Kolkata, Bengaluru, Hyderabad, Ahmedabad, Jaipur,
Chandigarh and Chennai only and is subject to change from time to time. The loan amount and tenure depend on
customer segment and are at the sole discretion of the Bank.
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ŸFees and charges, as may be applicable from time to time, are payable by the Applicant for specific services
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ŸTariff structure is subject to change from time to time at the sole discretion of the Bank. Such changes, other
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result of regulatory requirements will be made with prospective effect giving notice of at least one month
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13
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Applicant would be charged interest on the Personal Loan amount in EMI (Equated Monthly Instalment) at the
rate as set out in the agreement
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Interest accrues on a daily basis and needs to be paid on dates set out in the agreement
Interest calculation example:
Note: Calculations for `2 lakh at an interest rate of 16% p.a. for 36 months.
EMI is `7,031 which consist of interest and principal components as mentioned below:
Month Outstanding Balance (`) Emi (`) Interest (`) Principal (`)
0 200,000 - - -
1st 195,635 7,031 2,667 4,365
2nd 191,212 7,031 2,608 4,423
3rd 186,730 7,031 2,549 4,482
Note:
• Rate of interest shown is for illustration and actual interest rate charged to your account may vary
• As shown above, the EMI for `2,00,000 at 16.00% p.a. for 1 month is `7,031
• Monthly interest amount = (outstanding loan balance) x (rate of interest) x (no. of days in the month/365)
• Interest rates are subject to change at any point of time at the sole discretion of the Bank
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b. Instalment amount would comprise of principal and interest which are payable in Equated Monthly Instalments
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For e.g. Applicant may issue a Standing Instruction to debit his bank account for repayment or may give
documents (ECS/PDC's) for collecting repayment from a designated account
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Ÿ Not cancel or vary any payment arrangement (unless required by the Bank)
Ÿ Not close or change the account on which repayment instrument are drawn (unless he/she pays the
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15
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If the Applicant does not pay the instalment on or before the relevant due date; outstanding Personal Loan amount
and all accrued interest would become immediately due and payable. Applicant would also be liable to pay the late
payment fee as set out in the tariff sheet.
In the event of default (i.e. if the minimum amount due is not paid by the payment due date or breach of any
clause of the agreement), the Applicant will be sent reminders from time to time for payment of any outstanding
on his personal 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.
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 Acknowledgement/ ‡
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Personal Loan application received on ________________________________. Complete document set received on
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File reference number is _____________________ which can be used for any future correspondence with
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The documents and the application form submitted will be treated as a property of the Bank and will not be
returned to the Applicant.
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Key things you should know
? HSBC offers Personal Loans from `75,000 upto `750,000 to existing customers with repayment tenure of
upto 5 years (Premier customers can avail of Personal Loans upto `1,000,000)
? The Personal Loan is offered at a rate of interest which is fixed across the tenure of the loan. Terms on
which the loan is offered are stated in the loan agreement
? Please read the loan agreement carefully and ensure that key terms such as interest rate, processing fees,
prepayment charges are clearly stated before you sign the agreement
? You can prepay the Personal Loan after 6 months of loan disbursement by giving a written instruction to the
Bank. Partial prepayment is not allowed
? Refer to the 'Loan Service Charges and Fees' section of our website [Link] for service charges
(including prepayment charges) applicable on your loan post disbursement
? Interest on your Personal Loan account accrues on a daily basis and is payable in Equated Monthly
Instalments (EMI) on the due date
? You can pay your EMIs through Electronic Clearing System (ECS) or by setting up a Standing Instruction (SI)
on your HSBC Bank Account or through Post Dated Cheques (PDCs)
? You need to pay your EMI on the due date. Non-payment of EMI would impact, but will not be limited to:
- Your credit rating (reporting to Credit Bureau - CIBIL)
- This will have an impact on other credit facilities availed of from HSBC
- The bank may initiate recovery proceedings to recover the dues
In addition to the above, the bank may initiate recovery proceedings to recover the dues
? Please visit Personal Loans section of our website [Link] for detailed terms and conditions
? HSBC will notify you of any changes in the terms and conditions of this product with prior notice of
one month

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 Fees and Charges/ \
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The fees and charges for Personal Loan are set out in the tariff sheet or can be enquired through
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Personal Loan processing charges Upto 2% of the disbursed loan amount. Processing fee paid/deducted is
non-refundable
Prepayment charges 4% of the outstanding amount. Prepayment is allowed only after
6 months from the date of Personal Loan disbursal
Cheque return charges `350
Cheque swap charges `250
Late payment charges 2% over the applicable interest rate on the delayed instalments plus `250
for each late payment

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Personal Loan is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (Bank)
and is available in the cities of Mumbai, Delhi, Pune, Kolkata, Bengaluru, Hyderabad, Ahmedabad, Jaipur,
Chandigarh and Chennai only and is subject to change from time to time. The loan amount and tenure depend on
customer segment and are at the sole discretion of the Bank.
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Cancellation of Personal Loan application should be conveyed to the Bank with a written communication.
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ŸFees and charges, as may be applicable from time to time, are payable by the Applicant for specific services
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ŸTariff structure is subject to change from time to time at the sole discretion of the Bank. Such changes, other
than changes in rate of finance charge EMI (Equated Monthly Instalments) rates and those which are as a
result of regulatory requirements will be made with prospective effect giving notice of at least one month
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ŸPlease be advised that applicable Indirect Taxes including service tax and cess would be recovered on all our
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19
 Interest/ „
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Applicant would be charged interest on the Personal Loan amount in EMI (Equated Monthly Instalment) at the
rate as set out in the agreement
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Interest accrues on a daily basis and needs to be paid on dates set out in the agreement
Interest calculation example:
Note: Calculations for `2 lakh at an interest rate of 16% p.a. for 36 months.
EMI is `7,031 which consist of interest and principal components as mentioned below:
Month Outstanding Balance (`) Emi (`) Interest (`) Principal (`)
0 200,000 - - -
1st 195,635 7,031 2,667 4,365
2nd 191,212 7,031 2,608 4,423
3rd 186,730 7,031 2,549 4,482
Note:
• Rate of interest shown is for illustration and actual interest rate charged to your account may vary
• As shown above, the EMI for ` 200,000 at 16.00% p.a. for 1 month is `7,031
• Monthly interest amount = (outstanding loan balance) x (rate of interest) x (no. of days in the month/365)
• Interest rates are subject to change at any point of time at the sole discretion of the Bank
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The Personal Loan amount should be disbursed within 30 days from the date of sanction of the Personal Loan. The
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cancel the drawdown of the Personal Loan at any point of time.
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the amount of the instalment and each instalment payment due date
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instalments) on the final payment date as notified by the Bank
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d. Applicant would be required to pay the instalments, irrespective of whether he/she withdraws, or not, any of
the Personal Loan funds as deposited by the Bank in the nominated account
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e. Bank will advise the applicant of the modes/manner in which to repay the instalments
For e.g., applicant may issue a Standing Instruction to debit his bank account for repayment or may give ECS
mandate for effecting repayment from a designated account.
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• Not issue stop payment instructions for any cheque issued towards EMI payment
• Not cancel or vary any payment arrangement (unless required by the Bank)
• Not close or change the account on which repayment instrument are drawn (unless
he/she pays the applicable swap fees set out in the tariff sheet or elsewhere in the agreement)
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If the Applicant does not pay the instalment on or before the relevant due date; outstanding Personal Loan amount
and all accrued interest would become immediately due and payable. Applicant would also be liable to pay the late
payment fee as set out in the tariff sheet.
In the event of default (i.e. if the minimum amount due is not paid by the payment due date or breach of any
clause of the agreement), the Applicant will be sent reminders from time to time for payment of any outstanding
on his personal 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.
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Applicant can prepay the Personal Loan post 6 months of disbursement provided the Applicant gives notice in
writing and pays in accordance with the prepayment amount confirmation given by the Bank. The pre-closure of
the part amount of the Personal Loan is not allowed.
If prepayment is made by cheque, the prepayment takes effect only when the cheque is cleared.
In the event of an existing HSBC Personal Loan, Applicant applies for a new Personal Loan and the same is
sanctioned by the Bank, the disbursed amount of the new Personal Loan, will be first utilised to close the existing
Personal Loan and the balance amount will be disbursed to the Applicant.
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Personal Loan application received on ________________________________. Complete document set received on
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File reference number is _____________________ which can be used for any future correspondence with
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The documents and the application form submitted will be treated as a property of the Bank and will not be
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SAVE PRINT
PIL HIN 02/15

Issued by The Hongkong and Shanghai Banking Corporation Limited, India (HSBC). Incorporated in Hong Kong SAR with limited liability.