CSC HDFC Bank Instant Consumer Finance Loan की जानकारी

A new loan service for HDFC BC/BF has been started on CSC Digital Seva Portal named Instant Consumer Finance. In this loan, the customer will get their loan sanction very soon and can easily take the loan, this loan is also called a CD loan.

CSC HDFC BANK INSTANT CONSUMER FINANCE (CD LOAN)

HDFC Bank CSP Financial Services Activation Process in CSC

Benefits & USP of Consumer durable and lifestyle loan to our clients

• ➢ Provides affordability to clients
• ➢ Options to pay in easy EMIs
• ➢ Pre-approved Limits
• ➢ Required Documentation for the customer will be fulfilled by the Bank Staff coordinating with the customer.
• ➢ Documents- PAN is compulsory along with anyone other proof ( Driver’s License/ Passport/ Aadhar/ Voter’s ID card)
• ➢ Nominal Processing Fee
• ➢ No Down Payment required (*as per scheme)
• ➢ No Extra Cost Schemes available on most Consumer durable products.

How to do CSC VLE HDFC Bank Account Opening

Form Factors

CD: Paper Loan at a store with an HDFC Bank CDL Tie-up.

CCEMI: Credit card swipe for EMI at the time of purchase of a Durable / Electronics or lifestyle product where there is an existing tie-up

DCEMI: SMS DCEMI space the last 4 digits of your Debit card and send it across to 56767, the clients with a limit on their card would have a limit set on their debit card, independent of the balance held in their Saving account.

Products

Consumer durables- CD consumer durables:-All electronic goods and mobile phones. E.g. Television, Air-Conditioner, Refrigerator, Washing Machine, Laptops, Mobiles, etc.

Lifestyle products- CD Lifestyle products:-Lifestyle products are high-value branded consumer goods such as furniture and furnishing, High-end audio systems, luxury watches, modular kitchen, High-end mattresses, Travel and holiday packages, Gym Memberships, Gym Equipment, High-end Cycles, Solar panels, etc.

Health care products – CD Lifestyle products:-Health care products would cover – Grooming and high-cost health care tie-ups such as Hair weaving, skin treatment, cosmetic Surgeries, Dental surgeries, We are further looking at the tie up’s for Stents, IVF / Stem cell therapy, Health packages, etc.

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EMI Types

Typically a “No extra cost EMI” would mean – No interest Burden to the customer, like the pays only the principal amount in EMI over a period of 6/9/12 months as per available Schemes.
We also have a CIB ( Customer interest bearing) model where the customer would have to bear the interest component on the principal amount and repay in EMI.

Instant Consumer Finance Processing fees

Processing Fee not applicable on Credit Card and Debit Card EMIs.
Applicable only on CD Paper finance.

CD loan < 1 lakh – 399 + GST@ 18%
CD loan > 1 Lakh -749 + GST @ 18%.