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7
  • Unfold the future with Samsung Galaxy Foldables! Pre-reserve your Galaxy Foldable today & unlock exclusive benefits up to Rs.5999*

  • Shop the latest iPhone 16 Now live with HDBFS

  • Apple Watch Series 10 Available Now live with HDBFS

  • No Cost EMI on Apple Products Now get your favorite Apple products with No Cost EMI Schemes

  • Instant Personal Loan Get an Instant Personal Loan now for upto Rs. 25 Lakhs!

  • Instant Pre-approved Offers Apply for Pre-approved loans in just 5 mins with Zero documentation!

  • HDB ontheGo App One application to view & manage your loan account & also apply for new loan

Cookie Policy

Last Updated On: 31-07-2025

Introduction

This Cookie Policy explains how Cookies and similar technologies, such as pixels, beacons, and tags (together “Cookies”) are used by HDB Financial Services Limited (“HDBFS” “we” or “our”) on our websites and other online services (like applications, portals or other services that use cookies).

By clicking "Accept" or “I agree” on the cookie banner, you give us your consent to store and access Cookies and other technologies as described in this Cookie Policy.

The Cookie Policy forms part of our broader Privacy Policy and must be read together.

Applicability

This Policy applies to all individuals visiting our website, online platforms, and to all the data that is collected through Cookies. 

What Are Cookies and Why Do We Use Them

Cookies are small text files that our websites store in your browser’s memory which serve several purposes, such as enabling website functionality, remembering your preferences, and helping us improve your experience. Cookies also help us in understanding which pages you visit most often, evaluation of the effectiveness of our website, and tailoring our communication about our products and services in a manner that will be useful for you.

The information collected through these Cookies does not directly identify you as an individual. However, the data collected may be able to record your browsing activity or device details which may be considered personal information under applicable privacy laws.

Cookies can be categorized based on their duration:

  • Persistent Cookies remain on your device until they expire or are manually deleted.

  • Session Cookies are temporary and are deleted when you close your browser or end your session.

What Type of Cookies Do We Use

To help you better understand what Cookies we apply to our websites, we have classified our Cookies in four categories:

  • Strictly Necessary: These are essential for website functionality, security, and user authentication and help deliver content, carry info across pages, and remember your Cookie choices. These Cookies can’t be turned off from our side and blocking them in your browser may affect site performance.

  • Performance: These Cookies track how you use our site such as pages visited and errors encountered to help us improve functionality and run analytics. Data collected through these Cookies is aggregated and not used to directly identify you. Disabling them may impact your browsing experience.

  • Functional: These Cookies are used to remember your preferences and enhance your visit by tailoring content or enabling features like videos. Blocking these Cookies may limit personalised features and service quality.

  • Targeting. These Cookies, placed by us or partners, help show ads and offers relevant to your interests. They track your site visits and advertisement interactions to improve marketing. They don’t directly identify you but may involve profiling based on your activity.

  • Third-party Cookies: We may collaborate with third parties such as advertisers, search engines, social media, and analytics providers to set some of the Cookies mentioned above when you use our website who help us enhance and personalise your experience and deliver relevant content to you. No information will be shared with these third parties, as stated in the para, that can directly identify you.

Following are the Cookies that have been deployed on our website/online platforms:

Cookie Name

Domain

Cookie Type

Duration

Purpose

Ownership

_ga

hdbfs.com 

Performance

30 days

Identification of users

Third-party

_gid

hdbfs.com

Performance

31 days

Tracks sessions

Third-party

AEC

google.com

Strictly Necessary

62 days

Ensures user authenticity within session

Third-party

APISID

google.com

Targeting

40 days

Security, personalization of ads

Third-party

HSID

google.com

Strictly Necessary

765 days

Google security and preferences

Third-party

NID

google.com

Performance

9 days

Google preference and analytics

Third-party

SSID

google.com

Functionality

21 days

Security and personalized services

Third-party

SID

google.com

Strictly Necessary

80 days

Security and login session

Third-party

SAPISID

google.com

Targeting

41 days

Used for personalization in Google

Third-party

sess_map

hdbfs.com

Strictly Necessary

Session

Session management in logged users

First-party

cookieBy

hdbfs.com

Performance

13 days

Tracks cookie source internally

First-party

Ar_debug

hdbfs.com

Performance

9 days

Debugging tracking cookies

First-party



 

How to Manage or Disable Cookies

In case you do not want to receive Cookies, most browsers allow you to control Cookies through their setting preferences. You may find further information on how to disable Cookies or manage your Cookie settings for the commonly used browsers in the following list: 

  • Click here for Google Chrome 

  • Click here for Internet Explorer 

  • Click here for Microsoft Edge 

  • Click here for Firefox 

  • Click here for Safari 

Use of Analytics Tools and Third-Party Technologies

We use various analytics tools and third-party services such as Google Analytics to collect and analyse Cookie data. These providers help us understand user interactions, improve website functionality, and personalize content. We have contractual agreements with these service providers. However, they may also combine the information collected from our website with data they have gathered independently from other websites, under their own privacy policies.

You may opt out of data collection by these services through the following links:

  • For opting out of Google Analytics click here 

Your Privacy Rights 

We are committed to respecting your privacy rights and protecting your Personal Information. To understand your rights in detail, please refer to our Privacy Policy.

Contact Information

If you have any questions, feedback, or wish to exercise your data protection rights, feel free to contact us at dpo@hdbfs.com.

Changes to This Policy

This Policy is effective as of July 31, 2025 and may be amended, modified, and/or updated periodically. and without prior notice to you. When changes are made to this Policy it will be posted to the website. We recommend that you check this page from time to time to inform yourself of any changes in this Policy. Continued use of our website after updates are posted will be considered as your acceptance of the revised Policy. This Cookie Policy shall be reviewed annually to ensure its continued relevance and effectiveness and shall also be updated at any time in response to changes in applicable laws, regulations, or business practices that necessitate such revisions.