FAQs

The HDB on the Go mobile application can be downloaded from Google Play Store/ Apple App Store or by simply clicking the Download App Link. This mobile app is currently available for Android & IOS users.

HDB on the GO mobile app is available online only.

In case, you are using a Dual SIM mobile, we request you to ensure that the SIM card of your registered mobile number as updated in our loan records is placed in SLOT 1 only.

We request you to register the mobile number by raising a request in branch for updating your mobile number in our records. Post successful updation of your mobile number you can use our HDB on the GO Mobile App. You can find the branch address nearest to you by using our Branch Locator option. Please Click Here for details. Alternatively, you can type HDB Financial Services in Google Maps and get the location of the branch nearest to you. All our branches are tagged in Google Maps.

• Active and Closed loans can be viewed in HDB on the Go application.
• Active & Closed loans can be viewed in Customer Portal by visiting HDB website and click on My Account option.

Login to our website www.hdbfs.com & click on "Pay online" option on the Top right corner of the page and follow the process mentioned. You will be securely directed to the payment screen of your chosen bank. You can then make the payment through your net banking.

We report data to Credit Bureaus on a regular basis. Thus, in case of a delinquent loan, if a customer has cleared his/her over dues in the current month, the repayment tracks in his/her credit report will be uploaded from current month onwards only. The records for previous period will however continue to reflect the past repayment behavior.

Customer's account information is sent to CIBIL month on month for update into Credit Bureau's database. It generally takes 30 days from the month-end to update the record in Credit Bureaus database.

In case you wish to change the communication address, please submit the following documents at our branch:

• Miscellaneous service request form
• Self Attested copy of your new address proof along with the originals for validation.
• CKYC application form as per the prescribed format in Annexure A1

Click here for "Miscellaneous Service Request Form" & "Annexure A1".

After necessary verification by our branch, the new address will be updated in our records within 7 working days

You can update your email ID in the below ways:
1. Call the customer support at +91 44 4298 4541 (10:00 am to 06:00 pm, Monday - Friday, excluding national holidays & Regional holidays ) enter your loan account number and select your language comfort, and place the request
2. Provide a request for email ID Updation through mobile app "HDB on the GO", you can download that from Google Play Store/ Apple App Store or by simply clicking the Download App Link. This mobile app is currently available for Android & IOS users.
3.You can write to us at customer.support@hdbfs.com & can also visit our branch
It will be updated within 3 working days

You can find the branch address nearest to you by using our Branch Locator option. Please Click Here for details. Alternatively, you can type HDB Financial Services in Google Maps and get the location of the branch nearest to you. All our branches are tagged in Google Maps.

For all loans, prepayment can be made using RTGS/NEFT/DD/Cheque from own account. However cash payments can only be made for Loan against Gold jewelery, Consumer Durable & Digital Product Loans below Rs. 1,00,000 (total of all existing loans). Please note that cash handling charges will apply, if you choose to repay your loan by cash, Cash handling charges of Rs.1/- per Rs.100/- is applicable and to be paid at the time of closing the loan.

In case of excess payment, you can follow the below steps :
1. Call the customer support at +91 44 4298 4541 (10:00 am to 06:00 pm, Monday - Friday, excluding national holidays & Regional holidays ) enter your loan account number and select your language comfort, press 3 to place a refund request, after due verification, the excess amount will be refunded to your repayment account by way of electronic transfer.
2. You can also submit refund request form at our branch - "Click Here" for Refund Request Form:
3. You can write to us at customer.support@hdbfs.com

Interest Certificate of your loan can be downloaded from our Mobile App "HDB on the GO". You can also visit our branch or write to us at: customer.support@hdbfs.com for obtaining the same. Alternatively you can call the call center team at 044 - 4298 4541 (10.00 am to 06:00 pm, Monday to Friday, excluding national holidays & Regional holidays) and place a loan request.

Statement of Account is a chargeable request. The product wise charges applicable are detailed under "Interest rates & Charges" under Customer Support page in our website www.hdbfs.com. Statement of loan account can be obtained through below ways
1. You can view the summary of your loan or last 5 or future 5 transactions by logging into our website www.hdbfs.com and click on My Account. Enter the registered mobile number, DOB or PAN number, CAPCHA & hit on send OTP, post verifying the OTP the details can be viewed.
2. Alternatively, if you wish to view only summary of your loan or last 5 or future 5 transactions in your loan account, you can view the same from our mobile app "HDB on the GO" under Loan Summary Section. - This is currently unavailable in Mobile App
3. Call the customer support at + 91 44 4298 4541 (10:00 am to 06:00 pm, Monday - Friday, excluding national holidays & Regional holidays ) enter your loan account number and select your language comfort, and place the request
4. You can write to us at customer.support@hdbfs.com & can also visit our branch

Repayment Schedule of your loan can be downloaded through below ways
1. Repayment Schedule of your loan can be downloaded from our Mobile App "HDB on the GO"
3. Call the customer support at +91 44 4298 4541 (10:00 am to 06:00 pm, Monday - Friday, excluding national holidays & Regional holidays ) enter your loan account number and select your language comfort, and place the request
4. You can write to us at customer.support@hdbfs.com & can also visit our branch

For new customers, Welcome kit will be delivered to your communication address as per our records & it is also sent to your registered email id within 30 days from date of disbursement. If you are an existing customer and need another copy of welcome letter, you can visit our branch or write to us at customer.support@hdbfs.com from your registered email ID or raise a service request from our mobile app "HDB on the GO".

Photocopy of documents is a chargeable request. The charges applicable are detailed under "Interest rates & Charges" under Customer Support page in our website www.hdbfs.com. Photocopy of documents can be obtained from our branch by submitting miscellaneous service request form along with applicable charges.

1. For income tax purpose, you can download your Interest Certificate from our mobile app "HDB on the Go" App. The HDB on the Go mobile application can be downloaded from Google Play Store/ Apple App Store or by simply clicking the Download App Link. This mobile app is currently available for Android & IOS users.
2. Call the customer support at +91 44 4298 4541 (10:00 am to 06:00 pm, Monday - Friday, excluding national holidays & Regional holidays ) enter your loan account number and select your language comfort, and place the request
3. You can write to us at customer.support@hdbfs.com & can also visit our branch

Photocopy of sanction letter is a chargeable request. The charges applicable are detailed in "Interest Rates & Charges" under Customer Support page in our website www.hdbfs.com. Photocopy of sanction letter can be obtained from our branch by submitting the miscellaneous service request form along with applicable charges. Please contact your nearest branch Click Here for our Branch Locator. Alternatively, you can type HDB Financial Services in Google Maps and get the location of the branch nearest to you. All our branches are tagged in Google Maps.

To know about our process for Collateral document handover in the event of demise of sole borrower/ joint borrowers or if you are a legal heir of the borrower who is holding a loan account with us, please Click here.

• There is no provision in the loan agreement with the borrower for settlement of loans.
• Any agreement with borrower on the amount payable to settle the loan may be offered by HDB Financial Services Ltd at its sole discretion.

• Under the Credit Information Companies (Regulations) Act, 2005, Information of loan repayment is shared with Credit Information Bureau of India Ltd. (CIBIL) or any other Credit rating agency / Regulatory body.
• Where HDBFSL offers a settlement plan to close the loan, the status of the borrower is displayed as 'Settled' in the records of Credit Bureaus
• As against a 'closed' loan where a borrower pays his due in full, a 'settled' loan may be considered as negative behaviour by potential lenders / credit bureaus.
• This may bring down your credit score and adversely impact your ability to avail credit in future.

Please submit a fresh ACH Mandate from your new Bank account along with service request form at our branch. This service is charged as detailed under "Interest rates & Charges" - Refer PDC/ECS swap charges (per swap) under Customer Support page in our website www.hdbfs.com. On completion of internal checks, new bank account will be activated within 45 days of submission of request along with payment of applicable charges. "Click here for Miscellaneous Service Request Form / on ACH Form and the time scale to change the bank details would be 45 working days.

All repayments to be made by the borrower to HDBFS shall be made free and clear of, and without any deduction whatsoever including Tax Deduction at Source (TDS). The borrower shall deposit an amount equivalent to the TDS with the government treasury and provide HDBFS the TDS certificate in Form No. 16A downloaded from the TRACES website on a quarterly basis. Further, the TDS amount should be reflected in the FORM 26AS statement of HDBFS with 'F' status. HDBFS will refund to the borrower an amount equivalent to the TDS amount within 15 working days of the borrower furnishing the TDS certificate in the manner aforesaid on a quarterly basis at respective branch. However, the TDS refund claim will be entertained by HDBFS within one year from the end of the year in which TDS is deductible. Please click here for the TDS Refund request form.