Individual Regular Form · Toll Free No. 1-800-22-2022 (From MTNL & BSNL Phones) ... ELECTRONIC CLEARING SERVICE (ECS) No tax deduction at source on interest paid / credited upto

Our loan facilities : Housing loans, Home Improvement loans, Home Extension loans,Loans to Professionals and much more

Regd. Office: Ramon House, H T Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai 400 020.Toll Free No. 1-800-22-2022 (From MTNL & BSNL Phones)www.hdfc.com

Cheque should be drawn in favour of “Housing Development Finance CorporationLtd.” or "HDFC Ltd." and marked “Account Payee only”

RATES EFFECTIVE FROMMAY 18, 2011

INTEREST RATES ON DEPOSITS BELOW ` 1 CRORE

INTEREST RATES FOR DEPOSITS OF ̀ 1 CRORE AND ABOVE WOULD BEAS PER THE EXTANT GUIDELINES.

INTEREST RATES ARE SUBJECT TO CHANGE AND THE RATE APPLICABLEWILL BE THE RATE PREVALENT ON THE DATE OF DEPOSIT.

* For Cumulative Option, interest is compounded annually.

Rate of Interest (% p.a.)

Period (Months)

12 - 23 8.90 8.95 9.05 – 9.25

24 - 35 9.05 9.10 9.20 9.40 9.40

36 - 59 9.15 9.20 9.30 9.50 9.50

60 8.90 8.95 9.05 9.25 9.25

Minimum Amount ( ` ) 40,000 20,000 20,000 20,000 20,000

AnnualIncome Plan

Half-YearlyOption

QuarterlyOption

MonthlyIncome Plan

CumulativeOption*

Additional Interest Rates (% p.a.)

Senior Citizen (60 years and above) 0.25

Regular Deposits (Fixed & Variable Rates)

Payment of interest will be made only through ECS wherethis facility is available.

ELECTRONIC CLEARING SERVICE (ECS)

No tax deduction at source on interest paid / credited upto` 5000/- per branch in a Financial Year.

TAX DEDUCTION AT SOURCE

QUICK LOAN FACILITYLoan against deposit is available after 3 months from thedate of deposit upto 75% of the deposit amount, subject tothe other terms and conditions framed by HDFC. Interest onsuch loans will be 2% above the deposit rate. This facilityis not available for deposits from minors and NRIs

‘FAAA’ & ‘MAAA’ ratingaffirmed consecutively for over a decade

by CRISIL & ICRA respectively.

Credit Rating 'A A A'

VARIABLE RATE DEPOSIT• Interest Rate on variable rate deposit is linked to the benchmark rate and will vary from time to time with the benchmark

rate.• Benchmark Rate is the rate of interest applicable on HDFC fixed rate deposit product for the corresponding period.• Interest Reset Date - Rate of interest (ROI) will be reset at the beginning of each interest period. ROI prevailing on the first

day of the interest period will be applicable for the entire interest period.• Deposit placed under the variable rate deposit cannot be changed to fixed rate deposit before the maturity date.

HDFC DEPOSITSFOR INDIVIDUALS

Fixed & Variable Rates

Months completed from the date of deposit Rate of Interest PayableAfter 3 months but before 6 months No Interest

After 6 months but beforethe date of maturity

The brokerage is paid upfront for the entire period of deposit to our authorised agent. In case ofpremature withdrawal the brokerage is payable for the period completed and excess brokerage paidwill be recovered from the deposit amount.

RENEWAL AND REPAYMENT OF DEPOSITFor renewal or repayment of deposit, the duly discharged deposit receipt must be surrendered toHDFC atleast a week before the date of maturity. In case of renewal, the prescribed application formsigned by all depositors is also required to be submitted simultaneously.When the date of maturity falls on any day on which HDFC's office remains closed the repayment willbe made on the next working day. Repayment of deposit will be made by "Accout Payee" chequedrawn favouring the first depositor or by crediting the amount directly to first depositor's bank accountthrough NEFT/RTGS, based on request from the depositor.

NOMINATION FACILITYOnly individual depositor/s, singly or jointly, can nominate a single person under this facility. In case thedeposit is placed in the name of a minor the nomination can be made only by a person lawfully entitledto act on behalf of the minor. Power of attorney holder or any person acting in representative capacityas holder of an office or otherwise cannot nominate. The nominee shall have the right to receive theamount due in respect of the deposit and payment by HDFC to the nominee shall constitute full dischargeto HDFC of its liabilty in respect of the deposit. Nominees' name will be printed on the Fixed Depositreceipt, unless mentioned otherwise.

'KNOW YOUR CUSTOMER (KYC)' COMPLIANCEIn terms of the Prevention of Money Laundering Act, 2002, the rules notified thereunder and KYCGuidelines issued by the National Housing Bank (NHB), every depositor is required to comply with theKYC requirements by submitting the following documents :a) Latest photograph b) Certified copy of the proof of identify c) Certified copy of the proof of addressIn case the depositor has already submitted the above documents in his earlier deposit, then he neednot submit the above documents again, but has to provide the reference of his customer number ordeposit number.

DEPOSITS FOR SENIOR CITIZENSSenior citizens will be eligible for an additional rate of 0.25% p.a. for all schemes. Individuals whohave completed 60 years of age should be the first depositor. Proof of age must be submittedalong with the application form.

GENERALIn the event of death of the first / sole depositor the repayment of deposit and payment of interest willbe made to the joint depositor first in order of survivor/s / nominee on submission of death certificatewithout reference to the heirs and/or legal representatives of the deceased.Any discharge given by the first-named depositor for principal and/or interest will be valid and bindingon all joint depositors. Deposits with HDFC are not transferable. Applications should be complete in allrespects and HDFC has a right to accept or reject any application without notice, subject to the HousingFinance Companies (NHB) Directions, 2010.The corporation has been assigned a rating of 'FAAA' by CRISIL and 'MAAA' by ICRA for its fixed deposits.In case of any deficiency of the corporation in servicing its deposits, the depositor may approach theNational Consumers Disputes Redressal Forum, the State Level Consumers Disputes Redressal Forumor the District Level Consumers Dispute Redressal Forum for relief.In case of non-repayment of the deposit or part thereof in accordance with the terms and conditions of thedeposit, the depositor may make an application to an authorised officer of the National Housing Bank.The financial position of the corporation as disclosed and the representations made in the applicationform are true and correct and that the corporation and its Board of Directors are responsible for thecorrectness and veracity thereof.The deposit acceptance activities of the corporation are regulated by the National Housing Bank. Itmust, however, be distinctly understood that the National Housing Bank does not undertake anyresponsibility for the financial soundness of the corporation or for the correctness of any of the statementsor the representations made or opinions expressed by the corporation, and for repayment of deposit/discharge of liabilities by the corporation. HDFC Deposits programme is designed in accordance withNHB Regulations with the objective to channelise resources for housing.

FOR AUTHORISED AGENTSAgents are not authorised to accept cash from depositors or issue receipt on behalf of HDFCfor deposits. Please ensure that your name and code number is clearly mentioned in the box providedin the Application Form to enable payment of brokerage. Application Forms received without yourname and code number will not be considered for payment of brokerage. Brokerage will be paid toAuthorised Agents at the rate decided by the management.

The interest payable shall be 2% lower thanthe interest rate applicable for the period forwhich the deposit has run or if no rate has beenspecified for that period, then 3% lower thanthe minimum rate at which the public depositsare accepted by HDFC. In respect of variablerate deposit, the interest rate applicable for theperiod for which deposit has run would beconsidered as applicable on the respectiveinterest reset dates.

TERMS & CONDITIONS

DEPOSIT CAN BE PLACED BYResident, Minors through guardians & Hindu Undivided Family.

MODE OF ACCEPTANCEDeposits can be made by cheques / RTGS transfer. The cheque must be drawn in favour of "HDFCLtd" and marked "Account Payee only". In case funds are to be remitted through RTGS, you must giveprior intimation and obtain the necessary bank account details from HDFC. Please ensure that thecheque / RTGS confirmation advice, together with your completed application form is delivered toHDFC branch office (listed on the last page of this form) immediately.

INTERESTInterest will be payable on the deposit from the date of realisation of cheque or RTGS transfer toHDFC's bank account. Interest on deposits placed under Monthly Income Plan , Non-Cumulative Optionand Annual Income Plan shall be paid on fixed dates as given below :

Monthly Income Plan (MIP) Last day of each month

Non-Cumulative - Quarterly Option June 30, September 30, December 31 and March 31

Non-Cumulative - Half Yearly Option September 30 and March 31

Annual Income Plan (AIP) March 31

Cumulative Interest Option: Interest will be compounded annually on 31st March of every year afterdeducting the tax, wherever applicable. The principal along with interest will be paid on maturity oncethe discharged deposit receipt is received by us.Interest amount (net of TDS - where applicable) will be paid through ECS at all centres where ECSfacility is available. Where ECS facility is not available, interest cheque will be paid through "Accountpayee" cheque drawn in favour of the first named depositor along with his bank account details furnished.In case of MIP, post-dated interest cheques for every financial year will be issued in advance.Interest on Monthly Income Plan under Variable Rate Deposit will be credited to the depositor's bankaccount on the last day of the month, through ECS only.Interest will accrue after the maturity date only if the deposit is renewed.Interest reset date for Variable Rate Deposits.Rate of interest (ROI) will be reset at the beginning of each interest period. ROI prevailing on the firstday of the interest period will be applicable for the entire interest period.

ELECTRONIC CLEARING SERVICE (ECS)This facility is provided to depositors in select centres whereby the interest will be credited directly tothe depositors’ bank account. The depositor would receive a credit entry “ECS HDFC” in his passbook/bank statement. Intimation of interest credited would be sent on an annual basis.Presently this facility is being offered at the following centres -ECS Centres : Agra, Ahmedabad, Allahabad, Aurangabad, Bengaluru, Bhopal, Bhubaneshwar,Chandigarh, Chennai, Cochin, Coimbator, Cuttack, Dehradun, Durgapur, Gorakhpur, Guwahati,Hyderabad, Indore, Jabalpur, Jaipur, Jamshedpur, Kanpur, Kolkata, Lucknow, Madurai, Mumbai, Nagpur,Nashik, New Delhi, Pune, Raipur, Surat, Thiruvananthapuram, Varanasi.

DEDUCTION OF INCOME TAX AT SOURCE (TDS)Income tax will be deducted at source under Section 194A of the Income Tax Act, 1961, at the rates inforce. If the depositor is not liable to pay income tax and the interest to be paid/credited in a financialyear does not exceed the maximum amount which is not chargeable to income tax, the depositor maysubmit a declaration in Form No. 15G so that income tax is not deducted at source. In such cases,PAN (Permanent Account Number) must be quoted in Form 15G, else the form is invalid. SeniorCitizens (65 years and above) may submit a declaration in Form No. 15H.Section 139A(5A) of the Income-tax Act, 1961 requires every person receiving any sum or incomefrom which tax has been deducted to intimate his PAN to the person responsible for deducting suchtax. Further, 139A(5B) requires the person deducting such tax to indicate the PAN on the TDS certifi-cate. Please mention your PAN in the application form if the annual interest exceeds ` 5000 perbranch. In case PAN is not mentioned, the rate of TDS would be 20% as against 10% for cases wherePAN is provided.

PREMATURE WITHDRAWALRequest for premature withdrawal may be permitted at the sole discretion of the corporationonly and cannot be claimed as a matter of right by the depositor, subject to the HousingFinance Companies (NHB) Directions, 2001 as applicable from time to time.Premature withdrawal will not be allowed before completion of 3 months from the date of deposit. Incase of request for premature withdrawal after the expiry of three months, the rates given in the followingtable shall apply.

We also accept Deposits from Religious Trusts, Educational Institutions & Charitable Trusts

For HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED

VALID SUBJECT TO REALISATION OF CHEQUE Authorised Signatory

PROVISIONAL RECEIPTwww.hdfc.com Date: _____/_____/__________

Received from ___________________________________________________________ cheque/HDFC Deposit Receipt No. __________________________ for` _____________________ dated ______________ drawn on ___________________________________ Bank ______________________________ Branch towards❑ Deposit for Senior Citizens ❑ Monthly Income Plan ❑ Non-Cumulative (❑ Quarterly ❑ Half-Yearly) ❑ Annual Income Plan ❑ Cumulativefor a period of _____ months @ _______% per annum.

Toll Free No. 1-800-22-2022 (From MTNL & BSNL Phones)

APPLICATION FORM FOR DEPOSITS (INDIVIDUALS)

Regd. Office: Ramon House, H T Parekh Marg, 169, BackbayReclamation, Churchgate, Mumbai 400 020.

www.hdfc.com

ADDRESS OF FIRST/SOLE DEPOSITOR

PAYMENT DETAILS UTR No.

Cheque No. Date:

Flat No. &Bldg. Name

Road No. / Name

City Pin Code

State Country

Tel. (R): STD Code Mobile:

e-mail:

Bank Name Branch :HDFC Deposit Receipt No. Maturity Date

SCHEME :❑ ANNUAL INCOME PLAN❑ MONTHLY INCOME PLAN❑ NON-CUMULATIVE (Quarterly)❑ NON-CUMULATIVE (Half Yearly)❑ CUMULATIVE

DEPOSIT REPAYABLE TO :❑ First Depositor❑ First Depositor or Survivor/s

STATUS :❑ Resident Individual❑ Hindu Undivided Family

Date : ______________________Agents are not permitted to accept cash with application form and issue receipt.HDFC will in no way be responsible for such or other wrong tenders.

If ‘KNOW YOUR CUSTOMER (KYC)’ information is already submitted, Please Mention Your Customer Numberfor 1st Depositor: OR Kindly Submit Proof of Identity and Residence for our records.

Income-tax Permanent Account No. (PAN) for 1st Depositor :

I/We apply for placement/renewal of deposit at Branch

for a period of months and will earn interest @ % p.a. The payment details are as under :

PLEASE USE BLOCK LETTERS AND TICK IN APPROPRIATE PLACES (PREFERRABLY IN BLACK INK)

CATEGORY :❑ Member of Public❑ Shareholder❑ Director/Relative of a Director❑ Employee (No. )

Affix a latestphotograph

with signature.(DO NOT STAPLE)

IGNORE if alreadysubmitted earlier

Proof of Address to be provided by Applicant. (Please submit ANY ONE of the following certified documents)

Latest Telephone Bill of Land line / Mobile Latest Electricity / Gas Bill Latest Bank Account Statement Ration CardLatest Demat Account Statement Registered Rent Agreement Any other Address Proof (Subject to satisfaction of HDFC)

Depositor's Name (in Block Letters)

1.Guardian's Name:(in case of Minor)

2.3.

Date of Birth (Compulsory)(as appearing in your supplied identification document)

Bank Account No.

DETAILS OF BANK ACCOUNT

SENIOR CITIZENS (60 years & above)❑ YES ❑ NO

FOR OFFICE USE ONLYDeposit Receipt No. Document Reference No. Date of Receipt Date of Deposit Checked by Authorised by

Agent’s Name:

Code No.:

Cheque RTGS

Name of Bank :

Branch :

Account: ❑ Savings ❑ Current

(In case of Renewal)

Amount: `

❑ FIXED RATE INTEREST ❑ VARIABLE RATE INTEREST

Proof of Identity to be provided by Applicant. (Please submit ANY ONE of the following certified documents)

Passport Photo PAN Card Driving License Voter's Identity Card Photo Ration CardPhoto Debit/Credit Card issued by bank Any other Identification with Photograph (Subject to satisfaction of HDFC)

IFSC Code :

MICR Code :

GenderM / F

RR INVESTORS RETAIL SERVICES PVT. LTD.

NO/27874

G06

1/5/

11/--

--

Nomination under Section 36B of the National Housing Bank Act 1987 and Rule 2(1) of the Banking Companies (Nomination) Rule1985 in respect of HDFC deposits. I/We nominate the following person to whom in the event of my / our / minor's death the amountof this deposit may be returned by HDFC Ltd. and Nominees' name shall/shall not be printed on the Fixed Deposit receipt.

* As the nominee is a minor on this date, I/We appoint (Name, address & age)

to receive theamount of the deposit on behalf of the nominee in the event of my / our / minor's death during the minority of the nominee.* Leave out if nominee is not a minor. Where deposits are made in the name of a minor, the nomination should be signed by a person lawfully entitled to act onbehalf of the minor.

Name(s), and Address(es) of witness(es) for nomination only.(One witness required; thumb impression needs two witnesses)

Place & Date

Signature of witness(es)

FORM DA - 1 : NOMINATION (Must be signed by the depositor(s) & witnessed)

SIGNATURE OF DEPOSITOR(S) FOR NOMINATION

FIRST/SOLE/GUARDIAN : ____________________________

SECOND : ____________________________

THIRD : ____________________________

Name of NomineeFlat No. &Bldg. NameRoad No. / Name

City Pin Code

State Tel./Mobile

Tax to be deducted ❑ Yes ❑ No. If No, Please submit Form 15G OR Form 15H (for 65 years of age and above).(PAN is compulsory on Form 15G or Form 15H)

Details of other deposits with HDFC :Deposit Receipt No(s). : Amount(s) : (Attach a separate sheet, if necessary)

Relationship with Depositor (if any) Age of nominee Date of Birth of nominee (if minor)*

1. Gross Annual Income Details Please tick ( ) Upto ` 2,00,000 ` 2,00,001 to ` 5,00,000 ` 5,00,001 to ` 10,00,000 ` 10,00,001 to ` 25,00,000 `. 25,00,001 and above

2. a. Occupation Details Please tick ( ) any one Private Sector Service Public Sector / Government Service Business Professional Agriculturist Retired Housewife Student Others (Please specify)

b. If the following is additionally applicable to you Please tick ( ) one or more as applicable Civil Servant Bureaucrat Current or Former MP, MLA or MLC Politician Current or Former Head of State

Other Details

I/We hereby declare that the first named depositor mentioned in my/our application is the beneficial owner of this deposit and as suchhe/she should be treated as the payee for the purpose of tax deduction under Section 194A of the Income Tax Act, 1961. I/We herebyagree to abide by the attached terms and conditions governing the deposit.

I/We have gone through the financial and other statements/particulars/representations furnished/made by the Corporation and after carefulconsideration, I/We am/are making the deposit with the Corporation at my/our own risk and volition.

I/We further declare that, I/We am/are authorized to make this deposit in the above-mentioned scheme (HDFC Deposit) and that the amount kept in the deposit isthrough legitimate source and does not involve directly or indirectly any proceedsof schedule of offence and/or is not designed for the purpose of any contraventionor evasion of the provisions of the Prevention of Money Laundering Act, 2002and any Rules, Regulations, Notifications, Guidelines or Directions thereunder,as amended from time to time. I/We shall provide any further information andfully co-operate in any investigation as and when required by the Corporationin accordance to the applicable Law. I/We further affirm that the information/detailsprovided by me/us is/are true and correct in all respect and nothing has beenconcealed.

SIGNATURE OF DEPOSITOR(S)


SECOND : ____________________________

THIRD : ____________________________

PARTICULARS AS REQUIREDUNDER NON BANKING

FINANCIAL COMPANIES ANDMISCELLANEOUS NON BANKINGCOMPANIES (ADVERTISEMENT)

RULES 1977.

D E P O S I T SHDFC

FORINDIVIDUALS

D E P O S I T S

(a) Name of the Company: HOUSING DEVELOPMENT FINANCECORPORATION LIMITED (HDFC)

(b) Date of Incorporation: October 17, 1977(c) Business carried on by the Company and its subsidiaries with details of branches:

HDFC is a public limited company primarily engaged in the business of providinghousing finance by creating an institutional facility for meeting the needs of people forlong-term finance for purchase/construction of residential houses anywhere in India.

The Corporation has nine wholly owned and six other subsidiaries viz.:● HDFC Developers Limited carries on the business of real estate development.● HDFC Investments Limited carries on the business of investments in stocks, shares, debentures

and other securities.● HDFC Holdings Limited carries on the business of investments in stocks, shares, debentures

and other securities.● HDFC Trustee Company Limited acts as a Trustee for HDFC Mutual Fund.● HDFC Realty Limited is engaged in the business of real estate broking and related services.● HDFC Ventures Trustee Company Limited acts as a Trustee for HDFC Property Fund.● HDFC Property Ventures Limited is engaged in advisory services.● HDFC Sales Private Limited acts as a distributor of home loans and other products.● Griha Investments, Mauritius, a wholly owned subsidiary of HDFC Holdings Limited acts as an

investment manager to HIREF International LLC and its subsidiaries in Mauritius.● HDFC Venture Capital Limited carries on the business of managing HDFC Property Fund.● HDFC Standard Life Insurance Company Limited is engaged in the business of life insurance.● HDFC ERGO General Insurance Company Limited is engaged in the business of general insurance.● HDFC Asset Management Company Limited carries on the business of managing HDFC Mutual Fund.● GRUH Finance Limited is engaged in the business of providing housing finance.● HDFC AMC (Singapore) Pte, Ltd., a wholly owned subsidiary of HDFC Asset Management

Company Limited is engaged in the business of asset management and advisory services.

The Corporation has Branch Offices/Service Centers at the following places:

HOUSING DEVELOPMENT FINANCE CORPORATION LIMITEDRegistered office:

Ramon House, H T Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai 400 020.Deposit Centre: Mistry Bhavan, 122, Backbay Reclamation, Churchgate, Mumbai 400 020.Phones: 67546060 (for Deposits only), 66316000, 22820282. Fax: 22821366.

(e) Names, addresses and occupations of the Directors:NAME ADDRESS OCCUPATION

Deepak S. Parekh Housing Development Finance Corpn. Ltd., Professional Director(Chairman) Ramon House, H T Parekh Marg,169, Backbay Reclamation,

Mumbai 400 020.Keshub Mahindra Mahindra & Mahindra Limited, Industrialist(Vice Chairman) Mahindra Towers, 6th floor,Dr. G M Bhosale Marg,

P K Khurne Chowk, Worli,Mumbai 400 018.Shirish. B. Patel SPA Consultants Private Limited, Consulting Engineer

41/45 Nagindas Master Road,Mumbai 400 023.B. S. Mehta Bansi S Mehta & Company,Chartered Accountants, Practising Chartered

Merchant Chamber, 41, New Marine Lines,Mumbai 400 020. AccountantD. M. Sukthankar Flat No. 5, Priya Co-op. Hsg. Soc. Ltd, 9, Khan Abdul Gaffar Professional Director

Khan Road, Worli Sea Face, Mumbai 400 030.D. N. Ghosh South City Projects (Kolkata Ltd.)Tower I, Flat No. 22E375, Professional Director

Prince Anwar Shah Road Kolkata 700 068.Dr. S. A. Dave Bldg No.17, Flat No.31,MHB Colony, Opp Lilavati Hospital, Professional Director

Bandra Reclamation,Bandra (W), Mumbai 400 050.Dr. Ram S. Tarneja Flat No. 2102, Planet GodrejAQUA Tower II, Management Professional

K K Marg, Jacob Circle, Mahalaxmi, Mumbai 400 011.N. M. Munjee Development Credit Bank Limited, Unit No. 301, Trade Professional Director

Plaza,Veer Savarkar Marg, Prabhadevi,Mumbai 400 025.Dr. Bimal Jalan 4, Babar Road(Near Bengali Market)New Delhi 110 001. Professional DirectorDr. J. J. Irani Tata Sons Limited, Bombay House, Professional Director

Homi Modi Street, Mumbai 400 001.D. M. Satwalekar 9 Nutan Alka C H SocietyRelief Road, Professional Director

Santacruz (W), Mumbai 400 054.Mr. V. Srinivasa Rangan* Housing Development Finance Corpn. Ltd., Company ExecutiveExecutive Director Ramon House, H T Parekh Marg,169, Backbay Reclamation,

Mumbai 400 020.Renu Sud Karnad * Housing Development Finance Corpn. Ltd., Company Executive( Managing Director) The Capital Court, Munirka,Outer Ring Road,

Olof Palme Marg, New Delhi 110 067.Keki M. Mistry Housing Development Finance Corpn. Ltd., Company Executive(Vice Chairman and Ramon House, H T Parekh Marg,169, Backbay Reclamation,Chief Executive Officer) Mumbai 400 020.

*Appointed for a period of 5 years w.e.f. January 1, 2010, subject to approval of the Shareholders of the Corporation.

(f & g) Profits and Dividends:Financial Year Profit before tax Profit after tax Equity Dividend

Ended (` in crores) (` in crores) Per Share (`)

31.03.2010 3,915.99 2,826.49 36.00*31.03.2009 3,219.04 2,282.54 30.0031.03.2008 3,373.50# 2,436.25 25.00

* Subject to Shareholders’ approval. # Includes exceptional items - ` 636.26 crores.

(h) Summarised financial position of the Company as in the two auditedbalance sheets immediately preceding the date of advertisement:

(`̀̀̀̀ in crores)

As at March 31, 2010 As at March 31, 2009LiabilitiesPaid-up Equity Share Capital 287.11 284.45Reserves and Surplus 14,910.55 12,852.94Secured Loans 63,605.65 55,180.08Unsecured Loans 32,959.66 28,676.00Current Liabilities and Provisions 4,878.47 4,663.45Total 1,16,641.44 1,01,656.92AssetsLoans 97,966.99 85,198.11Fixed Assets 222.11 203.41Investments 10,727.46 10,468.75Current Assets, Loans and Advances 7,439.15 5,570.83Deferred Tax Assets 285.73 215.82Total 1,16,641.44 1,01,656.92Contingent Liabilities 1,409.54 1,066.56

Brief particulars of Contingent Liabilities: Contingent liabilities in respect of guaranteeprovided by the Corporation is ` 29.79 crores (Previous year ` 156.56 crores), in respect ofincome tax demands net of amounts provided and disputed by the Corporation is ` 298.56crores (Previous year ` 315.11 crores), in respect of corporate undertakings provided forsecuritisation of receivables ̀ 1,081.15 crores (Previous year ̀ 594.85 crores) and in respectof disputed sales tax and stamp duty dues not provided for by the Corporation amounts to` 0.04 crores (Previous year Rs. 0.04 crores)(i) The amount of Public deposits which the Corporation can raise under the Housing Finance

Companies (NHB) Directions, 2001 is equivalent to 5 times of the net owned funds i.e.` 71,086.48 crores whereas the total Public deposits as on March 31, 2010 was` 16,586.71 crores. The amount of aggregate deposits, including public deposits, whichthe Corporation can raise is 16 times of the net owned funds i.e. ` 2,27,476.73 croreswhereas the aggregate deposits as on March 31, 2010 was ` 96,565.31 crores.

(j) There are no overdue deposits other than unclaimed deposits.(k) We declare that:

1) The Corporation has complied with the provisions of the Directions applicable to it.2) The compliance with the Directions does not imply that repayment of deposits is

guaranteed by the Reserve Bank of India and the National Housing Bank.3) The deposits accepted by the Corporation are unsecured and rank pari passu with

other unsecured liabilities, save and except a floating charge created on the statutoryliquid assets maintained in terms of sub-sections (1) & (2) of Section 29B of the NationalHousing Bank Act, 1987, as may be prescribed by NHB from time to time.

Total amount of exposure including the non-fund-based facilities, to companies in the samegroup or other entities or business ventures in which directors and/or the Corporation areholding substantial interest as on March 31, 2010, was ` 9,967 crores.

The above text has been approved by the Board of Directors at its meeting held on Monday,May 3, 2010 and is being issued on the authority and in the name of the Board of Directors ofthe Corporation and a copy signed by a majority of Directors of the Corporation has been filedwith the National Housing Bank, New Delhi.

By Order of the BoardDate: May 03, 2010 Sd/-Place: MUMBAI GIRISH V KOLIYOTE

Company Secretary

(d) Brief particulars of the management of the Corporation: The Corporation is managedby the Board of Directors comprising of eminent persons with wide experience andknowledge. Subject to superintendence, direction and control of the Board of Directors,substantial powers of management are vested in three of its Directors, viz., Mr. Keki MMistry, Vice Chairman & Chief Executive Officer, Ms. Renu Sud Karnad, ManagingDirector and Mr. V. Srinivasa Rangan, Executive Director.

AGRA Tel: 0562-2526769/70. AHMEDABAD (Navrangpura) Tel: 079-66307000 Extn. 218 (for Deposits Only). AHMEDABAD (Maninagar) Tel:079-64501855. AHMEDABAD (Satellite) Tel: 079-64501864. AHMEDNAGAR Tel: 0241-2320818/9. AJMER Tel: 0145-5120888 (for DepositsOnly), 2624994/2433392. AKOLA Tel: 0724-2442454/2430244. ALWAR Tel: 0144-2702739. ALLAHABAD Tel: 0532-2260325. AMBALA Tel:0171-2630880/2630711. AMRAVATI Tel: 0721-2666009/987. AMRITSAR Tel: 0183-5010512/2500851. ANAND Tel: 02692-255514/7.ANKLESHWAR Tel: 02646-227771/2. AURANGABAD Tel: 0240-6616503 (for Deposits Only), 6616510/2358500. BAREILLY Tel: 0581-2477496.BEAWAR Tel: 01462-251691/513888/513788. BENGALURU (Kasturba Road) Tel: 080-41183213 (for Deposits Only), 41183000/41183232.BENGALURU (Basaveswaranagar) Tel: 080-23506315/23506416 (for Deposits Only), 23584222. BENGALURU (Electronic City) Tel: 9900950600.BENGALURU (Jayanagar) Tel: 080-26544689 (for Deposits Only), 26544471. BENGALURU (Koramangala) Tel: 080-25501089 (for DepositsOnly), 25633478. BENGALURU (Marathahalli) Tel: 080-41183000/25400232. BENGALURU (Sahakaranagar) Tel: 080-23626361/62. BHARUCHTel: 02642-238444/238555. BHATINDA Tel: 0164-5012218/19. BHILAI Tel: 0788-4040840/1. BHILWARA Tel: 01482-232901/2 (for Deposits Only),232902. BHIWADI Tel: 01493-512739/512849. BHOPAL (MP Nagar) Tel: 0755-4047700 (for Deposits Only), 4277772/4273330. BHOPAL (KamlaBhawan)Tel: 0755-4229990. BHUBANESWAR Tel: 0674-2531350 (for Deposits Only), 2395060. BIKANER Tel: 0151-5130716/6450909.BILASPUR Tel: 07752-400707/400210. BULDHANA Tel: 07262-246301/2. CALICUT Tel: 0495-2367656/7. CHANDIGARH Tel: 0172-3011324(for Deposits Only), 3989123/3011300. CHANDRAPUR Tel: 07172-271563-5. CHENNAI (Anna Salai) Tel: 044-28599322 (for Deposits Only),28599300. CHENNAI (Adyar) Tel: 044-23452003. CHENNAI (Anna Nagar) Tel: 044-23451998/1999. CHENNAI (Kodambakkam) Tel: 044-24815656/24815005. CHENNAI (OMR) Tel: 044-23454004/4003. CHENNAI (Tambaram) Tel: 044-23454001-05. CHENNAI (Velacherry) Tel:044-22435571/5615. COIMBATORE (Kamaraj Road) Tel: 0422-4301111 (for Deposits Only), 4301100. COIMBATORE (NSR Road) Tel: 0422-4399881/2. CUTTACK. Tel: 0671-2332109 (for Deposits Only), 2332061/93. DEHRADUN (Rajpur Road) Tel: 0135-2742219/31 (for DepositsOnly), 3052222. DEHRADUN (Vasant Vihar Road) Tel: 0135-3205150. DEWAS Tel: 07272-254550/404285. DHULE Tel: 02562-273500.DURGAPUR Tel: 0343-2549776 (for Deposits Only), 2549778. ERODE Tel: 0424-2240928/29. FARIDABAD Tel: 0129-2226912/6. GANDHIDHAMTel: 02836-228704/5. GHAZIABAD (Lohia Nagar) Tel: 0120-2721446/2723116. GHAZIABAD (Vaishali) Tel: 0120-4233253/54. GOA Tel: 0832-2234172 (for Deposits Only), 2421186. GORAKHPUR Tel: 0551- 3248100. GULBARGA Tel: 08472-241966. GUNTUR Tel: 0863-2217538/2268628.GURGAON (Mehrauli - Gurgaon Road) Tel: 0124-4061772/3, 4060961. GURGAON (Sector 14) Tel: 0124-4367801/2. GUWAHATI Tel: 0361-2666000/795 Extn. 211 (for Deposits Only), 2666915. GWALIOR Tel: 0751-4011970/1/3. HALDWANI Tel: 05946-311000. HARIDWAR Tel: 01334-324100/265325. HISAR Tel: 01662-313106. HOSUR Tel: 04344-244888 / 247444. HUBLI Tel: 0836-2356345. HYDERABAD (Basheer Bagh) Tel:040-67699044 (for Deposits Only), 66475001. HYDERABAD (Dilsukhnagar) Tel: 040-24540845/47. HYDERABAD (Gachibowli) Tel: 23006347/23006348. HYDERABAD (Kukatpally) Tel: 040-64632500 (for Deposits Only), 23155944. HYDERABAD (Panjagutta) Tel: 040-67699100 (forDeposits Only), 23414855/6. SECUNDARABAD (Tarnaka) Tel: 040-27014041, 27006950. INDORE (M G Road) Tel: 0731-4252432 (for DepositsOnly), 4223300/4433333. INDORE (Vijaya Nagar) Tel: 0731-4026442, 4026789. INDORE (Prabhu Nagar) Tel: 0731-4028222. IRINJALAKUDATel: 0480-2821589. JABALPUR Tel: 0761-4065771/7. JAIPUR (Ashok Marg) Tel: 0141-5150804/05 (for Deposits Only), 5150888, 2377171/3.JAIPUR (Jagatpura) Tel: 0141-5141888/5141015/5141017. JAIPUR (Mansarovar) Tel: 0141-2781981/2780989. JAIPUR (Vaishali Nagar) Tel:0141-5110410/411. JALANDHAR Tel: 0181-2277444/45/46. JALGAON Tel: 0257-2220762/2232015. JAMMU Tel: 00191-2434419 (for DepositsOnly), 2477707/08/09. JAMNAGAR Tel: 0288-2664212/13/14. JAMSHEDPUR Tel: 0657-2428733 (for Deposits Only), 2424518/6458733. JHANSITel: 0510-3290532. JODHPUR Tel: 0291-2644448/9. KANNUR Tel: 0497-2765850. KANPUR Tel: 0512-2306744/60 (for Deposits Only), 3259998/2306744. KARNAL Tel: 6451231/32. KANHANGAD Tel: 2200 599/699. KOCHI (M. G. Road) Tel: 0484-3011228/32 (for Deposits Only), 3011200.KOCHI (Aluva) Tel: 0484-2629575 / 4456999. KOCHI (Kakkanad) Tel: 0484-2415555/6493030. KOCHI (Palarivattom) Tel: 0484-2346684/5.KOLHAPUR Tel: 0231-2664034/2664035. KOLKATA (Jeevandeep) Tel: 033-22481308/27 (for Deposits Only), 23215060, 23018 300, 22886256/4645. KOLKATA (Behala) Tel: 033-24468392. KOLKATA (Cooke and Kelvey) Tel: 033-22481308/22481327. KOLKATA (Garia) Tel: 033-24351082/24357011. KOLKATA (Salt Lake City) Tel: 033-23215949/23217009. KOLLAM Tel: 0474-3255000, 2762551/2. KOTA Tel: 0744-2436981 (forDeposits Only), 6450909/5130888. KOTTAYAM Tel: 0481-2304985/2566136. LUCKNOW (Ashok Marg) Tel: 0522-3982623 (for Deposits Only),3989123. LUCKNOW (Aliganj) Tel: 0522-2763494 (for Deposits Only), 2745249. LUCKNOW (Gomti Nagar) Tel: 0522-2303770. LUDHIANA Tel:0161-2429856/5025184/6543210. MADURAI Tel: 0452-2350715/6. MALAPPURAM Tel: 0483-2738873/4. MANGALORE Tel: 0824-2445220.MEERUT Tel: 0121-2768172/3 (for Deposits Only), 4058791/2/3/4. MOGA Tel: 01636 238100/01. MOHALI Tel: 0172-2220116, 2220130, 2225774.MUMBAI (Churchgate) Tel: 022-67546060 (for Deposits Only), 66316000/22820282. MUMBAI (Andheri East) Tel: 022-26839958/60 (for Depos-its Only), 26830048/49/50. MUMBAI (Andheri West) Tel: 022-26733981-3. MUMBAI (Andheri-Kurla Road) Tel: 022-28304251-3. MUMBAI(Borivli) Tel: 022-28937000/01 (for Deposits Only), 28937152/55, 28907153. MUMBAI (Chembur) Tel: 022-25291188/8838. Mumbai (Dadar) Tel:022-24118229 (for Deposits Only), 24146267/68. MUMBAI (Ghatkopar) Tel: 022-25011284. Mumbai (Goregaon) Tel: 022-67546111. MUMBAI(Lower Parel) Tel: 022-24950286 (for Deposits Only), 66200000. MUMBAI (Malad) Tel: 022-65990487/ 88 / 89/ 90. MUMBAI (Mira Road) Tel.:022-65990265/66/67. MUMBAI (Mulund) Tel: 022-25655633/733. MUMBAI (Parel) Tel: 022-66113033/34 (for Deposits Only), 66113000. MUMBAI(Vikhroli) Tel: 022-25186624 / 25 / 26. MUMBAI (Virar) Tel: 022-2511654-6. AMBARNATH Tel: 022-2603168/9. DOMBIVLI Tel: 0251-2861473/74. KALYAN Tel: 022-2201580/3. THANE (Gokhale Road) Tel: 022-65288415 (for Deposits Only), 25451114-6. THANE (Vikas Complex) Tel:022-25471568/70. VASHI (Navi Mumbai) Tel: 022-27892911 (for Deposits Only), 65165201-4. KOPARKHAIRANE (Navi Mumbai) Tel: 022-27550615-18. SEAWOODS (Navi Mumbai) Tel: 022-27718787/89. NEW PANVEL Tel: 022-65166242/3/4. MUVATTUPUZHA Tel: 0485-2833533.MYSORE Tel: 0821-2433770. NAGERCOIL Tel: 04652-325500, 237192/93, 227044. NAGPUR (Civil Line) Tel: 0712-2523747 (for DepositsOnly), 2566000/2527888/2522123. NAGPUR (Butibori) Tel: 07103-202630. NAGPUR (Kadbi Chowk) Tel: 0712-2542918. NAGPUR (KhamlaRing Road) Tel: 0712-2289220. NASHIK (Sharanpur Link Road) Tel: 0253-6606840 (for Deposits Only), 6606000. NASHIK (Indira Nagar) Tel:0253-2325301, 2325310. NASHIK (Panchavati) Tel: 0253-2621953/4. NASHIK ROAD Tel: 0253-6611935/6/7 (for Deposits Only), 2467994/5.NELLORE Tel: 0861-2302347. NEW DELHI (Munirka) Tel: 011-41596618 (for Deposits Only), 41115111. NEW DELHI (Dwarka) Tel: 011-45572405,45572406. NEW DELHI (Lodhi Road) Tel: 011-43792100, 24601574, 24601577, 24643755. NEW DELHI (Rohini) Tel: 011-47528415/16/18,9810718624. NEW DELHI (Vikas Puri) Tel: 011-28540989/90. NOIDA Tel: 0120-4351299/302/303/304. PALAKKAD Tel: 0491-2536481/2.PANCHKULA Tel: 0172-2556464 / 2556426. PATIALA Tel: 0175-2209273, 5002786. PATHANAMTHITTA Tel: 0468-2271372. PATNA Tel: 0612-645889/2501363 (for Deposits Only), 2320378. PITHAMPUR Tel: 07292-252127/400964. PUDUCHERRY Tel: 0413 - 2205421/31. PUNE (Uni-versity Road) Tel: 020-25505121/22 (for Deposits Only), 25505000. PUNE (Baner) Tel: 020-66057077/78. PUNE (Camp) Tel: 020-26351738/26348602. PUNE (Chinchwad) Tel: 020-27371736/27370219. PUNE (Hadapsar - Magarpatta City) Tel: 020-26898395/412. PUNE (Kothrud)Tel: 020-25453592/3. PUNE (Nagar Road) Tel: 020-26685258/26699149. RAJAHMUNDRY Tel: 0883-2461200. RAIPUR Tel: 0771-4243100 (forDeposits Only), 4092585/6, 2520091. RAJKOT Tel: 0281-664114546 (for Deposits Only), 2472337/8. RANCHI Tel: 0281-2331055/09431389684(for Deposits Only), 2331055. RATLAM Tel: 07412-406666. RATNAGIRI Tel.: 02352-224022/224023. ROPAR Tel: 01881-224986/226986. SAGARTel: 07582-406093/227503. SALEM Tel: 0427-2314486/7. SANGLI Tel: 0233-2329892/3. SATARA Tel: 02162-226400/227901. SILIGURI Tel:0353-2640716. SHIMLA Tel: 0177-2626711. SOLAPUR Tel: 0217-2316804/5. SURAT (Majura Gate) Tel: 0261-2479371/2475954. SURAT (Adajan)Tel: 0261-2772258/59. SURAT (City Light) Tel: 0261-2213201/2. THIRUVANANTHAPURAM (Vazhuthacaud) Tel: 0471-3020300/2324224 (forDeposits Only), 3255000/2325731. THIRUVANANTHAPURAM (Technopark) Tel: 0471-2700701. THRISSUR Tel: 0487-2442565/6.TIRUCHIRAPALLI Tel: 0431- 2412744/2414744. TIRUNELVELI Tel: 0462-3255000, 2577822/833. TIRUPPUR Tel: 0421-4242901-2. TUTICORINTel: 0461-3255000, 2300707/807. UDAIPUR Tel: 0294-5100850 (for Deposits Only), 2561060/1. UJJAIN Tel: 0734-4010222. VADODARA (RaceCourse) Tel: 0265-2308422/23/21 (for Deposits Only), 2308400/2356397/2320240. VADODARA (Waghodia Road) Tel: 0265-2514164/2512364.VAPI Tel: 0260-2462573/93. VARANASI Tel: 0542-2420485/86. VIJAYAWADA Tel: 0866-2483262. VISAKHAPATNAM Tel: 0891-2552876. WASHIMTel: 07252-231302/03. YAMUNA NAGAR Tel: 01732-320547. YAVATMAL Tel: 07232-239941.International office: DUBAI Tel: (009714) 3961825. LONDON Tel: + 44 (0) 20 7872 5545, + 44 (0) 20 7872 5547 and + 44 (0) 20 7872 5542.SINGAPORE Tel: + 65 65367000.



INTEREST RATES FOR DEPOSITS OF ` 1 CRORE AND ABOVE WOULD BE AS PER THE EXTANTGUIDELINES.

INTEREST RATES ARE SUBJECT TO CHANGE AND THE RATE APPLICABLE WILL BE THERATE PREVALENT ON THE DATE OF DEPOSIT.


Cheque should be drawn in favour of “Housing Development Finance Corporation Ltd.” or “HDFC Ltd.”and marked “Account Payee only”




Period (Months)

12 - 23 8.90 8.95 9.05 – 9.25

24 - 35 9.05 9.10 9.20 9.40 9.40

36 - 59 9.15 9.20 9.30 9.50 9.50

60 8.90 8.95 9.05 9.25 9.25

Minimum Amount ( ` ) 40,000 20,000 20,000 20,000 20,000

AnnualIncome Plan

Half-YearlyOption

QuarterlyOption

MonthlyIncome Plan

CumulativeOption*

Regular Deposits (Fixed & Variable Rates)

HDFC Trust deposits is a specified investment underSection 11(5) (ix) of the Income Tax Act, 1961.

SPECIFIED INVESTMENT

Payment of interest will be made only through ECS wherethis facility is available.

ELECTRONIC CLEARING SERVICE (ECS)

QUICK LOAN FACILITY‘FAAA’ & ‘MAAA’ rating

affirmed consecutively for over a decadeby CRISIL & ICRA respectively.


VARIABLE RATE DEPOSIT• Interest Rate on variable rate deposit is linked to the benchmark rate and will vary from time to time with the benchmark

rate.• Benchmark Rate is the rate of interest applicable on HDFC fixed rate deposit product for the corresponding period.• Interest Reset Date - Rate of interest (ROI) will be reset at the beginning of each interest period. ROI prevailing on the

first day of the interest period will be applicable for the entire interest period.• Deposit placed under the variable rate deposit cannot be changed to fixed rate deposit before the maturity date.

Loan against deposit is available after 3 months from thedate of deposit upto 75% of the deposit amount, subject tothe other terms and conditions framed by HDFC. Interest onsuch loans will be 2% above the deposit rate.

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HDFC DEPOSITSTRUST & INSTITUTION


The interest payable shall be 2% lower than theinterest rate applicable for the period for whichthe deposit has run or if no rate has beenspecified for that period, then 3% lower than theminimum rate at which the public deposits areaccepted by HDFC. In respect of variable ratedeposit, the interest rate applicable for theperiod for which deposit has run would beconsidered as applicable on the respectiveinterest reset dates.

TERMS & CONDITIONS

DEPOSIT CAN BE PLACED BYCharitable Trusts, Religious Trusts, Educational Institutions, Association of Persons,Co-operative Societies, Partnership Firms and others as decided by management.

MODE OF ACCEPTANCEDeposits can be made by cheques / RTGS transfer. The cheque must be drawn in favourof "HDFC Ltd" and marked "Account Payee only". In case funds are to be remitted throughRTGS, you must give prior intimation and obtain the necessary bank account details fromHDFC. Please ensure that the cheque / RTGS confirmation advice, together with yourcompleted application form is delivered to HDFC branch office (listed on the last page ofthis form) immediately.

INTERESTInterest will be payable on the deposit from the date of realisation of cheque or RTGStransfer to HDFC's bank account. Interest on deposits placed under Monthly Income Plan,Non-Cumulative Option and Annual Income Plan shall be paid on fixed dates as givenbelow :

Monthly Income Plan (MIP) Last day of each monthNon-Cumulative - Quarterly Option June 30, September 30, December 31 and March 31Non-Cumulative - Half Yearly Option September 30 and March 31Annual Income Plan (AIP) March 31

Cumulative Interest Option: Interest will be compounded annually on 31st March of everyyear after deducting the tax, wherever applicable. The principal along with interest will bepaid on maturity once the discharged deposit receipt is received by us.Interest amount (net of TDS - where applicable) will be paid through ECS at all centreswhere ECS facility is available. Where ECS facility is not available, interest cheque will bepaid through "Account payee" cheque drawn in favour of the first named depositor alongwith his bank account details furnished. In case of MIP, post-dated interest cheques forevery financial year will be issued in advance. Interest on Monthly Income Plan under VariableRate Deposit will be credited to the depositor's bank account on the last day of the month,through ECS only.Interest will accrue after the maturity date only if the deposit is renewed.Interest reset date for Variable Rate Deposits.Rate of interest (ROI) will be reset at the beginning of each interest period. ROI prevailingon the first day of the interest period will be applicable for the entire interest period.

ELECTRONIC CLEARING SERVICE (ECS)This facility is provided to depositors in select centres whereby the interest will be crediteddirectly to the depositors’ bank account. The depositor would receive a credit entry “ECSHDFC” in his pass book/bank statement. Intimation of interest credited would be sent onan annual basis.Presently this facility is being offered at the following centres -ECS Centres : Agra, Ahmedabad, Allahabad, Aurangabad, Bengaluru, Bhopal, Bhubaneshwar,Chandigarh, Chennai, Cochin, Coimbator, Cuttack, Dehradun, Durgapur, Gorakhpur, Guwahati,Hyderabad, Indore, Jabalpur, Jaipur, Jamshedpur, Kanpur, Kolkata, Lucknow, Madurai, Mumbai, Nagpur,Nashik, New Delhi, Pune, Raipur, Surat, Thiruvananthapuram, Varanasi.

DEDUCTION OF INCOME TAX AT SOURCE (TDS)Income tax will be deducted at source under Section 194A of the Income Tax Act, 1961, atthe rates in force. If the depositor is not liable to pay income tax and the interest to bepaid/credited in a financial year does not exceed the maximum amount which is notchargeable to income tax, the depositor may submit a declaration in Form No. 15G so thatincome tax is not deducted at source. In such cases, PAN (Permanent Account Number)must be quoted in the declaration, else the declaration is invalid.Section 139A(5A) of the Income-tax Act, 1961 requires every person receiving any sum orincome from which tax has been deducted to intimate his PAN to the person responsiblefor deducting such tax. Further, 139A(5B) requires the person deducting such tax toindicate the PAN on the TDS certificate. Please mention your PAN in the application formif the annual interest exceeds ` 5000 per branch. In case PAN is not mentioned, the rateof TDS would be 20% as against 10% for cases where PAN is provided effectiveApril 1, 2010.

PREMATURE WITHDRAWALRequest for premature withdrawal may be permitted at the sole discretion of thecorporation only and cannot be claimed as a matter of right by the depositor, subject tothe Housing Finance Companies (NHB) Directions, 2001 as applicable from time to time.Premature withdrawal will not be allowed before completion of 3 months from the date of

Date: _____/_____/__________

Received from ___________________________________________________________ cheque / HDFC Deposit Receipt No. __________________________ for` ________________________ dated __________________ drawn on ______________________________ Bank ____________________________ Branch towards❑ Monthly Income Plan ❑ Non-Cumulative (❑ Quarterly ❑ Half-Yearly) ❑ Annual Income Plan ❑ Cumulative for a period of _____ months@ _______% per annum.

PROVISIONAL RECEIPTwww.hdfc . com

deposit. In case of request for premature withdrawal after the expiry of 3 months, the ratesgiven in the following table shall apply.Months completed from the date of deposit Rate of Interest Payable

After 3 months but before 6 months No Interest


The brokerage is paid upfront for the entire period of deposit to our authorised agent. In caseof premature withdrawal the brokerage is payable for the period completed and excessbrokerage paid will be recovered from the deposit amount.

RENEWAL AND REPAYMENT OF DEPOSITFor renewal or repayment of deposit, the duly discharged deposit receipt must besurrendered to HDFC a week before the date of maturity. In case of renewal, the prescribedapplication form duly signed by all authorised signatories are required to be submittedsimultaneously.

When the date of maturity falls on any day on which HDFC's office remains closed therepayment will be made on the next working day. Repayment of deposit will be made by"Accout Payee" cheque drawn favouring the Trust/Institution or by crediting the amountdirectly to Trust/Institution's bank account through NEFT/RTGS, based on request fromthe depositor.

'KNOW YOUR CUSTOMER (KYC)' COMPLIANCEIn terms of the Prevention of Money Laundering Act, 2002, the rules notified thereunderand KYC Guidelines issued by the National Housing Bank (NHB), every depositor is requiredto comply with the KYC requirements by submitting the required documents for variouscategories mentioned on the reverse of the Application Form.In case the documents are submitted in any of the previous deposits, please provide thecustomer number.

GENERALDeposits with HDFC are not transferable. Applications should be complete in all respectsand HDFC has a right to accept or reject any application without notice, subject to the HousingFinance Companies (NHB) Directions, 2010.The corporation has been assigned a rating of 'FAAA' by CRISIL and 'MAAA' by ICRA for itsfixed deposits.In case of any deficiency of the corporation in servicing its deposits, the depositor mayapproach the National Consumers Disputes Redressal Forum, the State Level ConsumersDisputes Redressal Forum or the District Level Consumers Dispute Redressal Forum forrelief.In case of non-repayment of the deposit or part thereof in accordance with the terms andconditions of the deposit, the depositor may make an application to an authorised officer ofthe National Housing Bank.The financial position of the corporation as disclosed and the representations made in theapplication form are true and correct and that the corporation and its Board of Directors areresponsible for the correctness and veracity thereof.The deposit acceptance activities of the corporation are regulated by the National HousingBank. It must, however, be distinctly understood that the National Housing Bank does notundertake any responsibility for the financial soundness of the corporation or for thecorrectness of any of the statements or the representations made or opinions expressed bythe corporation, and for repayment of deposit/discharge of liabilities by the corporation. HDFCDeposits programme is designed in accordance with NHB Regulations with theobjective to channelise resources for housing.

FOR AUTHORISED AGENTSAgents are not authorised to accept cash from depositors or issue receipt on behalfof HDFC for deposits. Please ensure that your name and code number is clearly mentionedin the box provided in the Application Form to enable payment of brokerage. ApplicationForms received without your name and code number will not be considered for payment ofbrokerage. Brokerage will be paid to Authorised Agents at the rate decided by the management.


VALID SUBJECT TO REALISATION OF CHEQUE Authorised SignatoryToll Free No. 1-800-22-2022 (From MTNL & BSNL Phones)

Agent’s Name:

DEPOSIT APPLICATION FORM (TRUSTS & INSTITUTIONS)


www.hdfc.comCode No.:

PAYMENT DETAILS Amount : `Cheque RTGS

Cheque No. Date :Bank Name Branch :HDFC Deposit Receipt No. Maturity Date

Date : ___________________Agents are not permitted to accept cash with application form and issue receipt. HDFC will in no way be responsible for such or other wrong tenders.

We apply for placement/renewal of deposit at Branch


PLEASE USE BLOCK LETTERS AND TICK IN APPROPRIATE PLACES (PLEASE REFER NOTES FOR GUIDANCE)

Details of other deposits with HDFC :(Attach a separate sheet, if necessary)

Deposit Receipt No(s). :Amount(s) :

We hereby declare that the name of the Trust/Institution mentioned in our application is the beneficial owner of this deposit and as such the Trust/Institution should be treated as the payee for the purpose of taxdeduction under Section 194A of the Income Tax Act, 1961. We hereby agree to abide by the attached terms and conditions governing the deposit.We have gone through the financial and other statements/particulars/representations furnished/made by the Corporation and after careful consideration we are making the deposit with the Corporation at our own riskand volition.We further declare that, we are authorized to make this deposit in the above-mentioned scheme (HDFC Deposit) and that the amount kept in the deposit is through legitimate source and does not involve directly orindirectly any proceeds of schedule of offence and/or is not designed for the purpose of any contravention or evasion of the provisions of the Prevention of Money Laundering Act, 2002 and any Rules, Regulations,Notifications, Guidelines or Directions thereunder, as amended from time to time. We shall provide any further information and fully co-operate in any investigation as and when required by the Corporation inaccordance to the applicable Law. We further affirm that the information/details provided by us are true and correct in all respect and nothing has been concealed.

G06

2/5/

11/--

--FOR OFFICE USE ONLYDeposit Receipt No. Stationery Serial No. Date of Receipt Date of Deposit Checked by Authorised by

Tax to be deducted❑ Yes ❑ No (If no, tick the appropriate box below)Submitting: (Pan is compulsory)❑ Form 15G ❑ Certificate u/s 197 ❑ Exempt u/s 194A

i) Name

Tel.

Name of Trustee(s)/Authorised Signatories with Tel. No. Signatures of Trustee(s) / Signatoriesalongwith Seal/Rubber Stamp of the Trust

ii) Name

Tel.iii) Name

Tel.

If "Know Your Customer" (KYC) information is already submitted,please mention your Customer Number or kindly submit proof as mentioned overleaf.

❑VARIABLE RATEDEPOSIT

❑FIXED RATEDEPOSIT

SCHEME : ❑ MONTHLY INCOME PLAN ❑ NON-CUMULATIVE ( ❑ Quarterly Option ❑ Half-Yearly Option )❑ ANNUAL INCOME PLAN ❑ CUMULATIVE

STATUS : ❑ CHARITABLE TRUST ❑ RELIGIOUS TRUST ❑ EDUCATIONAL INSTITUTION ❑ SECTION 25 COMPANY❑ ASSOCIATION OF PERSONS ❑ CO-OPERATIVE SOCIETY ❑ PARTNERSHIP FIRM ❑ OTHERS (SPECIFY)

CATEGORY : ❑ MEMBER OF PUBLIC ❑ OTHERS (Pls. Specify)

PARTICULARS OF BANK ACCOUNT

Bank Account No.

IFSC Code :

MICR Code :

Name of Bank :

Branch :


NAME AND ADDRESS OF THE TRUST/INSTITUTION (IN BLOCK LETTERS)

Income-tax Permanent Account No. (PAN)

Name

Flat No. & Bldg. NameRoad No. / NameCity Pin CodeState CountryTel. STD Codee-mail

❑ Applied for

Registration No.(In case of Companies and Firms)

Date of Incorporation/Agreement/PartnershipOr Trust Deed / Formation of AOP


NO/27874

Partnership Firms

Detailed information about the followingshould be submitted :- Legal Name used- Complete Address of firm- Names of all partners and their addresses- Telephone numbers of the firm and

partners

Association of Persons

Detailed information about the followingshould be submitted :- Legal Name used- Complete Address of Association- Names and addresses of the founder, the

directors/managers of the association- Telephone numbers

Co-operative Societies

Detailed information about the followingshould be submitted :- Legal Name used- Complete Address / Telephone Numbers

of the Society- Name and addresses of the Chairman,

Secretary, Treasurer and the members ofthe managing committee

Trusts & Foundations

Detailed information about the followingshould be submitted :- Names and addresses of the Trustees,

Settlers, Beneficiaries and signatories- Names and addresses of the founder,

directors / managers / beneficiariesof the trust

- Telephone/fax numbers

Companies

Detailed information about the followingshould be submitted :- Name of the Company- Principal place of business- Mailing address of the company- Telephone/Fax numbers

Certified true copy of the following documents:(i) Certificate of Registration issued by Registrar of Firms(ii) Partnership Deed (iii) PAN Card (iv) Power of Attorneygranted to a partner or an employee of the firm to transactbusiness on its behalf (v) Any officially valid documentidentifying the partners and persons holding the Power ofAttorney and their addresses. (vi) Telephone bill in the nameof firm/partners

Certified true copy of the following documents:(i) Certificate of Registration if registered (ii) PAN Card(iii) Power of Attorney granted to transact business on itsbehalf (iv) Any officially valid document identifying thepersons holding the Power of Attorney and their addresses.(v) Resolution of the managing body of the association(vi) Telephone bill in the name of association.

Certified true copy of the following documents:(i) Certificate of Registration issued by Registrar of Co-operative Society (ii) PAN Card (iii) Resolution passed bythe managing committee (iv) Telephone bill in the name ofthe society (v) Rules & Regulations/Bye Laws

Certified true copy of the following documents:(i) Certificate of Registration issued by the CharityCommissioner (ii) PAN Card (iii) Trust Deed (iv) Power ofAttorney granted to transact business on its behalf(v) Resolution of the managing body of the Trust(vi) Telephone bill in the name of Trust (vii) Proof of Identity& Residence of Partners / Trustees / Settlers / Beneficiaries/ Signatories.

Certified true copy of the following documents:(i) Certificate of Registration/Incorporation issued by theRegistrar of Companies (ii) Memorandum & Articles ofAssociation (iii) PAN allotment letter/card (iv) Resolution ofthe Board of Directors to open an account and identificationof those who have authority to operate the account(v) Power of Attorney granted to its managers, officers oremployees to transact business on its behalf(vi) Telephone Bill

Categories Documents

LIST OF DOCUMENTS TO BE SUBMITTED BY VARIOUS CATEGORIES OFCUSTOMERS FOR KNOW YOUR CUSTOMER (KYC) COMPLIANCE

PARTICULARS AS REQUIREDUNDER NON BANKING FINANCIAL

COMPANIES AND MISCELLANEOUSNON BANKING COMPANIES

(ADVERTISEMENT)RULES 1977.






























31.03.2010 3,915.99 2,826.49 36.00*31.03.2009 3,219.04 2,282.54 30.0031.03.2008 3,373.50# 2,436.25 25.00



(` in crores)


Brief particulars of Contingent Liabilities: Contingent liabilities in respect of guaranteeprovided by the Corporation is ` 29.79 crores (Previous year ` 156.56 crores), in respect ofincome tax demands net of amounts provided and disputed by the Corporation is ` 298.56crores (Previous year ` 315.11 crores), in respect of corporate undertakings provided forsecuritisation of receivables ̀ 1,081.15 crores (Previous year ̀ 594.85 crores) and in respectof disputed sales tax and stamp duty dues not provided for by the Corporation amounts to` 0.04 crores (Previous year ` 0.04 crores)(i) The amount of Public deposits which the Corporation can raise under the Housing Finance









Company Secretary


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HDFC DEPOSITSTRUST & INSTITUTION



No tax deduction at source on interest paid / credited upto ` 5000/- per branch in a Financial Year.

TAX DEDUCTION AT SOURCE



QUICK LOAN FACILITY

Loan against deposit is available after 3 months fromthe date of deposit upto 75% of the deposit amount,subject to the other terms and conditions framed byHDFC. Interest on such loans will be 2% above thedeposit rate. This facility is not available for depositsfrom minors and NRIs.

‘FAAA’ & ‘MAAA’ rating affirmed consecutively for over adecade by CRISIL & ICRA respectively.


Cheque should be drawn in favour of“Housing Development Finance Corporation Ltd.” or "HDFC Ltd." and marked “Account Payee only”

INTEREST RATES FOR DEPOSITS OF ` 1 CRORE AND ABOVE WOULD BE AS PER THE EXTANT GUIDELINES.

INTEREST RATES ARE SUBJECT TO CHANGE AND THE RATE APPLICABLE WILL BE THE RATE PREVALENT ON THEDATE OF DEPOSIT.

SPECIFIED INVESTMENTHDFC Trust deposits is a specified investment under Section11(5) (ix) of the Income Tax Act, 1961.

For Individuals/Trusts & Institutions

INTEREST RATES ON DEPOSITS BELOW `̀̀̀̀ 1 CRORE (p.a.)

ELECTRONIC CLEARING SERVICE (ECS)Payment of interest will be made only through ECS wherethis facility is available.

Minimum Amount ( `̀̀̀̀) 40,000 20,000 20,000 20,000 20,000




15 months 9.40% 9.45% 9.55% – 9.75%

22 months 9.20% 9.25% 9.35% 9.55% 9.55%

33 months 9.40% 9.45% 9.55% 9.75% 9.75%


Platinum Deposit Plan(Period)

AnnualIncome Plan

Half-YearlyOption

QuarterlyOption

MonthlyIncome Plan

CumulativeOption*

Months completed from the date of deposit Rate of Interest Payable

After 3 months but before 6 months No Interest


The brokerage is paid upfront for the entire period of deposit to our authorised agent. In case ofpremature withdrawal the brokerage is payable for the period completed and excess brokerage paidwill be recovered from the deposit amount.

RENEWAL AND REPAYMENT OF DEPOSITFor renewal and repayment of deposit, the duly discharged deposit receipt must be surrendered toHDFC at least a week before the date of maturity. In case of renewal, the prescribed application formsigned by all depositors/authorized signatories is also required to be submitted simultaneously.When the date of maturity falls on any day on which HDFC’s office remains closed the repayment willbe made on the next working day. Repayment of deposit will be made only by “Account Payee”cheque drawn favouring the first depositor/trust/institution or by crediting the amount directly to firstdepositor’s bank account through NEFT/RTGS, based on the request from the depositor.

NOMINATION FACILITY (For Individual Deposits Only)Only individual depositor/s, singly or jointly, can nominate a single person under this facility. In case thedeposit is placed in the name of a minor the nomination can be made only by a person lawfully entitledto act on behalf of the minor. Power of attorney holder or any person acting in representative capacityas holder of an office or otherwise cannot nominate. The nominee shall have the right to receive theamount due in respect of the deposit and payment by HDFC to the nominee shall constitute full dischargeto HDFC of its liabilty in respect of the deposit. Nominees' name will be printed on the Fixed Depositreceipt, unless mentioned otherwise.

'KNOW YOUR CUSTOMER (KYC)' COMPLIANCEIn terms of the Prevention of Money Laundering Act, 2002, the rules notified there under and KYCGuidelines issued by the National Housing Bank (NHB) every depositor is required to comply with theKYC requirements by submitting documents mentioned in the application form.In case the documents are submitted in any of the previous deposits, then he need not submit thedocuments again but has to provide the reference of his customer number or the deposit number.

DEPOSITS FOR SENIOR CITIZENSSenior citizens will be eligible for an additional rate of 0.25% p.a. for all schemes. Individuals whohave completed 60 years of age should be the first depositor. Proof of age must be submittedalong with the application form.

GENERALIn the event of death of the first / sole depositor the repayment of deposit and payment of interest willbe made to the joint depositor first in order of survivor/s / nominee on submission of death certificatewithout reference to the heirs and/or legal representatives of the deceased.Any discharge given by the first-named depositor for principal and/or interest will be valid and bindingon all joint depositors. Deposits with HDFC are not transferable. Applications should be complete in allrespects and HDFC has a right to accept or reject any application without notice, subject to the HousingFinance Companies (NHB) Directions, 2010.The corporation has been assigned a rating of 'FAAA' by CRISIL and 'MAAA' by ICRA for its fixed deposits.In case of any deficiency of the corporation in servicing its deposits, the depositor may approach theNational Consumers Disputes Redressal Forum, the State Level Consumers Disputes Redressal Forumor the District Level Consumers Dispute Redressal Forum for relief.In case of non-repayment of the deposit or part thereof in accordance with the terms and conditions of thedeposit, the depositor may make an application to an authorised officer of the National Housing Bank.The financial position of the corporation as disclosed and the representations made in the applicationform are true and correct and that the corporation and its Board of Directors are responsible for thecorrectness and veracity thereof.The deposit acceptance activities of the corporation are regulated by the National Housing Bank. Itmust, however, be distinctly understood that the National Housing Bank does not undertake anyresponsibility for the financial soundness of the corporation or for the correctness of any of the statementsor the representations made or opinions expressed by the corporation, and for repayment of deposit/discharge of liabilities by the corporation. HDFC Deposits programme is designed in accordance withNHB Regulations with the objective to channelise resources for housing.

FOR AUTHORISED AGENTSAgents are not authorised to accept cash from depositors or issue receipt on behalf of HDFCfor deposits. Please ensure that your name and code number is clearly mentioned in the box providedin the Application Form to enable payment of brokerage. Application Forms received without yourname and code number will not be considered for payment of brokerage. Brokerage will be paid toAuthorised Agents at the rate decided by the management.

The interest payable shall be 2% lower thanthe interest rate applicable for the period forwhich the deposit has run or if no rate has beenspecified for that period, then 3% lower thanthe minimum rate at which the public depositsare accepted by HDFC.

TERMS & CONDITIONSDEPOSIT CAN BE PLACED BYIndividuals – Residents, minors through guardians, Hindu Undivided Family, NRIs. (Non ResidentIndians must fill in exclusive deposit form for NRIs.)

Trusts & Institutions – Charitable trusts, religious trusts, educational institutions, association ofpersons, cooperative societies, partnership firms and others as decided by management.

MODE OF ACCEPTANCEDeposits can be made by cheques / RTGS transfer. The cheque must be drawn in favour of "HDFCLtd" and marked "Account Payee only". In case funds are to be remitted through RTGS, you must giveprior intimation and obtain the necessary bank account details from HDFC. Please ensure that thecheque / RTGS confirmation advice, together with your completed application form is delivered toHDFC branch office (listed on the last page of this form) immediately.

INTERESTInterest will be payable on the deposit from the date of realisation of cheque or RTGS transfer toHDFC's bank account. Interest on deposits placed under Monthly Income Plan , Non-Cumulative Optionand Annual Income Plan shall be paid on fixed dates as given below :

Monthly Income Plan (MIP) Last day of each month

Non-Cumulative - Quarterly Option June 30, September 30, December 31 and March 31

Non-Cumulative - Half Yearly Option September 30 and March 31

Annual Income Plan (AIP) March 31

Cumulative Interest Option: Interest will be compounded annually on 31st March of every year afterdeducting the tax, wherever applicable. The principal along with interest will be paid on maturity oncethe discharged deposit receipt is received by us.

Interest amount (net of TDS - where applicable) will be paid through ECS at all centres where ECSfacility is available. Where ECS facility is not available, interest cheque will be paid through "Accountpayee" cheque drawn in favour of the first named depositor along with his bank account details furnished.In case of MIP, post-dated interest cheques for every financial year will be issued in advance.

Interest will accrue after the maturity date only if the deposit is renewed.

ELECTRONIC CLEARING SERVICE (ECS)This facility is provided to depositors in select centres whereby the interest will be credited directlyto the depositors’ bank accounts. Intimation would be sent immediately for each interest credit.However for deposits placed under Monthly Income Plan, intimation would be sent on an annualbasis.

ECS Centres: Agra, Ahmedabad, Allahabad, Amritsar, Aurangabad, Bengaluru, Belgaum, Bhilwara,Bhopal, Bhubaneshwar, Bikaner, Calicut, Chandigarh, Chennai, Coimbatore, Cuttack, Dehradun,Durgapur, Erode, Gangtok, Gorakhpur, Gulbarga, Guwahati, Gwalior, Haldia, Hubli, Hyderabad,Indore, Jabalpur, Jaipur, Kochi, Jalandhar, Jammu, Jamnagar, Jamshedpur, Jodhpur, Kanpur, Kochi,Kolhapur, Kolkata, Lucknow, Ludhiana, Madurai, Mumbai, Mysore, Nagpur, Nashik, New Delhi,Panajim, Patna, Pondicherry, Pune, Raichur, Raipur, Rajkot, Ranchi, Salem, Shimla, Sholapur,Siliguri, Surat, Trichur, Trichy, Trivendrum, Udaipur, Udupi, Varanasi, Vijaywada, Visakhapatnam,Vadodara.

DEDUCTION OF INCOME TAX AT SOURCE (TDS)Income tax will be deducted at source under Section 194A of the Income Tax Act, 1961, at the rates inforce. If the depositor is not liable to pay income tax and the interest to be paid/credited in a financialyear does not exceed the maximum amount which is not chargeable to income tax, the depositor maysubmit a declaration in Form No. 15G so that income tax is not deducted at source. In such cases,PAN (Permanent Account Number) must be quoted in Form 15G, else the form is invalid. SeniorCitizens (65 years and above) may submit a declaration in Form No. 15H.

Section 139A(5A) of the Income-tax Act, 1961 requires every person receiving any sum or incomefrom which tax has been deducted to intimate his PAN to the person responsible for deducting suchtax. Further, 139A(5B) requires the person deducting such tax to indicate the PAN on the TDS certificate.Please mention your PAN in the application form if the annual interest exceeds ̀ 5000 per branch. Incase PAN is not mentioned, the rate of TDS would be 20% as against 10% for cases where PAN isprovided.

PREMATURE WITHDRAWALRequest for premature withdrawal may be permitted at the sole discretion of the corporationonly and cannot be claimed as a matter of right by the depositor, subject to the Housing FinanceCompanies (NHB) Directions, 2001 as applicable from time to time.

Premature withdrawal will not be allowed before completion of 3 months from the date of deposit. Incase of request for premature withdrawal after the expiry of three months, the rates given in the followingtable shall apply.




Received from ____________________________________________________________________ cheque/HDFC Deposit Receipt No. __________________________ for` _______________________ dated ______________ drawn on ___________________________________ Bank _______________________________ Branch towards❑ Monthly Income Plan ❑ Non-Cumulative (❑ Quarterly ❑ Half-Yearly) ❑ Annual Income Plan ❑ Cumulative for a period of ______ months @ _______% per annum.


APPLICATION FORM FOR PLATINUM DEPOSITS (INDIVIDUALS)


www.hdfc.com



Cheque No. Date:


Road No. / Name

City Pin Code

State Country


e-mail:

Bank Name Branch :HDFC Deposit Receipt No. Maturity Date

SCHEME :❑ ANNUAL INCOME PLAN❑ MONTHLY INCOME PLAN❑ NON-CUMULATIVE (Quarterly)❑ NON-CUMULATIVE (Half Yearly)❑ CUMULATIVE


STATUS :❑ Resident Individual❑ Hindu Undivided Family


If ‘KNOW YOUR CUSTOMER (KYC)’ information is already submitted, Please Mention Your Customer Numberfor 1st Depositor: OR Kindly Submit Proof of Identity and Residence for our records.




PLEASE USE BLOCK LETTERS AND TICK IN APPROPRIATE PLACES (PREFERRABLY IN BLACK INK)






Latest Telephone Bill of Land line / Mobile Latest Electricity / Gas Bill Latest Bank Account Statement Ration CardLatest Demat Account Statement Registered Rent Agreement Any other Address Proof (Subject to satisfaction of HDFC)


1.Guardian's Name:(in case of Minor)

2.3.

Date of Birth (Compulsory)(as appearing in your supplied identification document)

Bank Account No.

DETAILS OF BANK ACCOUNT


FOR OFFICE USE ONLYDeposit Receipt No. Document Reference No. Date of Receipt Date of Deposit Checked by Authorised by

Agent’s Name:

Code No.:

Cheque RTGS

Name of Bank :

Branch :



Amount: `

FIXED RATE DEPOSIT

Proof of Identity to be provided by Applicant. (Please submit ANY ONE of the following certified documents)

Passport Photo PAN Card Driving License Voter's Identity Card Photo Ration CardPhoto Debit/Credit Card issued by bank Any other Identification with Photograph (Subject to satisfaction of HDFC)

IFSC Code :

MICR Code :

GenderM / F

G13

3/05

/11/

------


NO/27874

Nomination under Section 36B of the National Housing Bank Act 1987 and Rule 2(1) of the Banking Companies (Nomination) Rule1985 in respect of HDFC deposits. I/We nominate the following person to whom in the event of my / our / minor's death the amountof this deposit may be returned by HDFC Ltd. and Nominees' name shall/shall not be printed on the Fixed Deposit receipt.

* As the nominee is a minor on this date, I/We appoint (Name, address & age)

to receive theamount of the deposit on behalf of the nominee in the event of my / our / minor's death during the minority of the nominee.* Leave out if nominee is not a minor. Where deposits are made in the name of a minor, the nomination should be signed by a person lawfully entitled to act onbehalf of the minor.

Name(s), and Address(es) of witness(es) for nomination only.(One witness required; thumb impression needs two witnesses)

Place & Date

Signature of witness(es)

FORM DA - 1 : NOMINATION (Must be signed by the depositor(s) & witnessed)



SECOND : ____________________________

THIRD : ____________________________

Name of NomineeFlat No. &Bldg. NameRoad No. / Name

City Pin Code

State Tel./Mobile

Tax to be deducted ❑ Yes ❑ No. If No, Please submit Form 15G OR Form 15H (for 65 years of age and above).(PAN is compulsory on Form 15G or Form 15H)

Details of other deposits with HDFC :Deposit Receipt No(s). : Amount(s) : (Attach a separate sheet, if necessary)


1. Gross Annual Income Details Please tick ( ) Upto ` 2,00,000 ` 2,00,001 to ` 5,00,000 ` 5,00,001 to `10,00,000 ` 10,00,001 to ` 25,00,000 ` 25,00,001 and above



Other Details

I/We hereby declare that the first named depositor mentioned in my/our application is the beneficial owner of this deposit and as suchhe/she should be treated as the payee for the purpose of tax deduction under Section 194A of the Income Tax Act, 1961. I/We herebyagree to abide by the attached terms and conditions governing the deposit.

I/We have gone through the financial and other statements/particulars/representations furnished/made by the Corporation and after carefulconsideration, I/We am/are making the deposit with the Corporation at my/our own risk and volition.

I/We further declare that, I/We am/are authorized to make this deposit in the above-mentioned scheme (HDFC Deposit) and that the amount kept in the deposit isthrough legitimate source and does not involve directly or indirectly any proceedsof schedule of offence and/or is not designed for the purpose of any contraventionor evasion of the provisions of the Prevention of Money Laundering Act, 2002and any Rules, Regulations, Notifications, Guidelines or Directions thereunder,as amended from time to time. I/We shall provide any further information andfully co-operate in any investigation as and when required by the Corporationin accordance to the applicable Law. I/We further affirm that the information/detailsprovided by me/us is/are true and correct in all respect and nothing has beenconcealed.



SECOND : ____________________________

THIRD : ____________________________

Agent’s Name:

APPLICATION FORM FOR PLATINUM DEPOSITS (TRUSTS & INSTITUTIONS)


www.hdfc.comCode No.:

PAYMENT DETAILS Amount : `Cheque RTGS

Cheque No. Date :Bank Name Branch :HDFC Deposit Receipt No. Maturity Date

Date : ___________________Agents are not permitted to accept cash with application form and issue receipt. HDFC will in no way be responsible for such or other wrong tenders.

We apply for placement/renewal of deposit at Branch


PLEASE USE BLOCK LETTERS AND TICK IN APPROPRIATE PLACES

Details of other deposits with HDFC :(Attach a separate sheet, if necessary)

Deposit Receipt No(s). :Amount(s) :

We hereby declare that the name of the Trust/Institution mentioned in our application is the beneficial owner of this deposit and as such the Trust/Institution should be treated as the payee for the purpose of taxdeduction under Section 194A of the Income Tax Act, 1961. We hereby agree to abide by the attached terms and conditions governing the deposit.We have gone through the financial and other statements/particulars/representations furnished/made by the Corporation and after careful consideration we are making the deposit with the Corporation at our own riskand volition.We further declare that, we are authorized to make this deposit in the above-mentioned scheme (HDFC Deposit) and that the amount kept in the deposit is through legitimate source and does not involve directly orindirectly any proceeds of schedule of offence and/or is not designed for the purpose of any contravention or evasion of the provisions of the Prevention of Money Laundering Act, 2002 and any Rules, Regulations,Notifications, Guidelines or Directions thereunder, as amended from time to time. We shall provide any further information and fully co-operate in any investigation as and when required by the Corporation inaccordance to the applicable Law. We further affirm that the information/details provided by us are true and correct in all respect and nothing has been concealed.

G13

3/05

/11/

----FOR OFFICE USE ONLY

Deposit Receipt No. Stationery Serial No. Date of Receipt Date of Deposit Checked by Authorised by

Tax to be deducted❑ Yes ❑ No (If no, tick the appropriate box below)Submitting: (Pan is compulsory)❑ Form 15G ❑ Certificate u/s 197 ❑ Exempt u/s 194A

i) Name

Tel.

Name of Trustee(s)/Authorised Signatories with Tel. No. Signatures of Trustee(s) / Signatoriesalongwith Seal/Rubber Stamp of the Trust

ii) Name

Tel.iii) Name

Tel.

If "Know Your Customer" (KYC) information is already submitted,please mention your Customer Number or kindly submit proof as mentioned overleaf.

FIXED RATEDEPOSIT

SCHEME : ❑ MONTHLY INCOME PLAN ❑ NON-CUMULATIVE ( ❑ Quarterly Option ❑ Half-Yearly Option )❑ ANNUAL INCOME PLAN ❑ CUMULATIVE

STATUS : ❑ CHARITABLE TRUST ❑ RELIGIOUS TRUST ❑ EDUCATIONAL INSTITUTION ❑ SECTION 25 COMPANY❑ ASSOCIATION OF PERSONS ❑ CO-OPERATIVE SOCIETY ❑ PARTNERSHIP FIRM ❑ OTHERS (SPECIFY)

CATEGORY : ❑ MEMBER OF PUBLIC ❑ OTHERS (Pls. Specify)

PARTICULARS OF BANK ACCOUNT

Bank Account No.

IFSC Code :

MICR Code :

Name of Bank :

Branch :


NAME AND ADDRESS OF THE TRUST/INSTITUTION (IN BLOCK LETTERS)

Income-tax Permanent Account No. (PAN)

Name

Flat No. & Bldg. NameRoad No. / NameCity Pin CodeState CountryTel. STD Codee-mail

❑ Applied for

Registration No.(In case of Companies and Firms)

Date of Incorporation/Agreement/PartnershipOr Trust Deed / Formation of AOP

Partnership Firms

Detailed information about the followingshould be submitted :- Legal Name used- Complete Address of firm- Names of all partners and their addresses- Telephone numbers of the firm and

partners

Association of Persons

Detailed information about the followingshould be submitted :- Legal Name used- Complete Address of Association- Names and addresses of the founder, the

directors/managers of the association- Telephone numbers

Co-operative Societies

Detailed information about the followingshould be submitted :- Legal Name used- Complete Address / Telephone Numbers

of the Society- Name and addresses of the Chairman,

Secretary, Treasurer and the members ofthe managing committee

Trusts & Foundations

Detailed information about the followingshould be submitted :- Names and addresses of the Trustees,

Settlers, Beneficiaries and signatories- Names and addresses of the founder,

directors / managers / beneficiariesof the trust

- Telephone/fax numbers

Companies

Detailed information about the followingshould be submitted :- Name of the Company- Principal place of business- Mailing address of the company- Telephone/Fax numbers

Certified true copy of the following documents:(i) Certificate of Registration issued by Registrar of Firms(ii) Partnership Deed (iii) PAN Card (iv) Power of Attorneygranted to a partner or an employee of the firm to transactbusiness on its behalf (v) Any officially valid documentidentifying the partners and persons holding the Power ofAttorney and their addresses. (vi) Telephone bill in the nameof firm/partners

Certified true copy of the following documents:(i) Certificate of Registration if registered (ii) PAN Card(iii) Power of Attorney granted to transact business on itsbehalf (iv) Any officially valid document identifying thepersons holding the Power of Attorney and their addresses.(v) Resolution of the managing body of the association(vi) Telephone bill in the name of association.

Certified true copy of the following documents:(i) Certificate of Registration issued by Registrar of Co-operative Society (ii) PAN Card (iii) Resolution passed bythe managing committee (iv) Telephone bill in the name ofthe society (v) Rules & Regulations/Bye Laws

Certified true copy of the following documents:(i) Certificate of Registration issued by the CharityCommissioner (ii) PAN Card (iii) Trust Deed (iv) Power ofAttorney granted to transact business on its behalf(v) Resolution of the managing body of the Trust(vi) Telephone bill in the name of Trust (vii) Proof of Identity& Residence of Partners / Trustees / Settlers / Beneficiaries/ Signatories.

Certified true copy of the following documents:(i) Certificate of Registration/Incorporation issued by theRegistrar of Companies (ii) Memorandum & Articles ofAssociation (iii) PAN allotment letter/card (iv) Resolution ofthe Board of Directors to open an account and identificationof those who have authority to operate the account(v) Power of Attorney granted to its managers, officers oremployees to transact business on its behalf(vi) Telephone Bill

Categories Documents

LIST OF DOCUMENTS TO BE SUBMITTED BY VARIOUS CATEGORIES OFCUSTOMERS FOR KNOW YOUR CUSTOMER (KYC) COMPLIANCE



RULES 1977.






























31.03.2010 3,915.99 2,826.49 36.00*31.03.2009 3,219.04 2,282.54 30.0031.03.2008 3,373.50# 2,436.25 25.00



(` in crores)


Brief particulars of Contingent Liabilities: Contingent liabilities in respect of guaranteeprovided by the Corporation is ` 29.79 crores (Previous year ` 156.56 crores), in respect ofincome tax demands net of amounts provided and disputed by the Corporation is ` 298.56crores (Previous year ` 315.11 crores), in respect of corporate undertakings provided forsecuritisation of receivables ̀ 1,081.15 crores (Previous year ` 594.85 crores) and in respectof disputed sales tax and stamp duty dues not provided for by the Corporation amounts to` 0.04 crores (Previous year ` 0.04 crores)(i) The amount of Public deposits which the Corporation can raise under the Housing Finance









Company Secretary


For Individuals/Trusts & Institutions




Payment of interest will be made only through ECS.ELECTRONIC CLEARING SERVICE (ECS)

‘FAAA’ & ‘MAAA’ rating affirmed consecutively forover a decade by CRISIL & ICRA respectively.

Credit Rating 'AAA'

Income tax will be deducted at source under Section 195 of the Income Tax Act, 1961, at the rates in force. Wherever there exists a Double Taxation AvoidanceAgreement (DTAA), the rate of tax deducted at source will be applied as per the DTAA. NRI has to give the declaration each financial year in two respects,viz.,that he is a resident of foreign country and he is not resident in India, during the relevant Financial Year, failing which TDS will be deducted at normal rates.

TAX DEDUCTION AT SOURCE (TDS)


VARIABLE RATE DEPOSIT• Interest Rate on variable rate deposit is linked to the benchmark rate

and will vary from time to time with the benchmark rate.• Benchmark Rate is the rate of interest applicable on HDFC fixed rate

deposit product for the corresponding period.• Interest Reset Date - Rate of interest (ROI) will be reset at the

beginning of each interest period. ROI prevailing on the first day of theinterest period will be applicable for the entire interest period.

• Deposit placed under the variable rate deposit cannot be changed tofixed rate deposit before the maturity date.


Regular Deposits (Fixed & Variable Rates)Rate of Interest (% p.a.)

Period (Months)

12 - 23 8.90 8.95 9.05 – 9.25

24 - 35 9.05 9.10 9.20 9.40 9.40

36 9.15 9.20 9.30 9.50 9.50Minimum Amount (` ) 40,000 20,000 20,000 20,000 20,000

AnnualIncome Plan

Half-YearlyOption

QuarterlyOption

MonthlyIncome Plan

CumulativeOption*

INTEREST RATES FOR DEPOSITS OF ` 1 CRORE AND ABOVE WOULD BE ASPER THE EXTANT GUIDELINES.

INTEREST RATES ARE SUBJECT TO CHANGE AND THE RATE APPLICABLEWILL BE THE RATE PREVALENT ON THE DATE OF DEPOSIT.


Cheque should be issued from NRO A/c only and drawnin favour of “Housing Development Finance CorporationLtd.” or “HDFC Ltd.” and marked “Account Payee only”





Period (months)

15 9.40 9.45 9.55 – 9.7522 9.20 9.25 9.35 9.55 9.5533 9.40 9.45 9.55 9.75 9.75

Minimum Amount (` ) 40,000 20,000 20,000 20,000 20,000

AnnualIncome Plan

Half-YearlyOption

QuarterlyOption

MonthlyIncome Plan

CumulativeOption*

(Fixed Rates only)

Limited Period Offer

The interest payable shall be 2% lower than the interestrate applicable for the period for which the deposit hasrun or if no rate has been specified for that period, then3% lower than the minimum rate at which the publicdeposits are accepted by HDFC. In respect of variablerate deposit, the interest rate applicable for the periodfor which deposit has run would be considered asapplicable on the respective interest reset dates.

TERMS & CONDITIONSDEPOSIT CAN BE PLACED BY NON-RESIDENT INDIANS (NRIs)Non-Resident Individuals and person of Indian origin resident outside India holding PIO Card.Deposits from Non-Resident Indians and persons of Indian origin resident outside India would be acceptedin accordance with regulations governing the acceptance of deposits from NRIs. Deposits would be acceptedfor a maximum period of 3 years.MODE OF ACCEPTANCEDeposits can be made by Cheques/RTGS/NEFT. Please ensure that all cheques are drawn in favour of“HDFC Ltd” and marked “Account Payee Only”. In case funds are to be remitted through RTGS, depositormust give prior intimation and obtain the necessary bank account details from HDFC. Please ensure thatthe cheque/RTGS advice, together with your completed application form is delivered to HDFC branchoffice (listed on the last page of the form) immediately. The Remittance must be made out of Non-ResidentOrdinary (NRO) A/c only.INTERESTInterest will be payable on the deposit from the date of realization of the cheque. In case the funds aretransferred to HDFC directly without any intimation in advance, the date of deposit will be the next workingday. Interest on deposits placed under Monthly Income Plan , Non-Cumulative Option and Annual IncomePlan shall be paid on fixed dates as given below :Monthly Income Plan (MIP) Last day of each monthNon-Cumulative - Quarterly Option June 30, September 30, December 31 and March 31Non-Cumulative - Half Yearly Option September 30 and March 31Annual Income Plan (AIP) March 31

Cumulative Interest Option : Interest will be compounded annually i.e. 31st March of every year afterdeducting the tax amount. The principal along with interest will be paid on maturity, once the dischargeddeposit receipt is received by us.Interest will be paid through ECS / NEFT crediting your designated NRO bank account only. WhereECS facility is not available, interest cheques will be paid by crossed “Account Payee” cheque drawn infavour of the first named depositor.Interest will accrue after the maturity date only if the deposit is renewed.ELECTRONIC CLEARING SERVICE (ECS), NATIONAL ELECTRONIC FUNDTRANSFER(NEFT) & REAL TIME GROSS SETTLEMENT(RTGS)The payment facility is provided to depositors whereby the interest and repayment of principal amount willbe credited directly to the depositors’ designated NRO bank account only. The Intimation of interest /repayment of principal amount credited would be sent regularly through sms/email.DEDUCTION OF INCOME TAX AT SOURCE (TDS)Income tax will be deducted at source under Section 195 of the Income Tax Act, 1961, at the rates inforce. Wherever there exists a Double Taxation Avoidance Agreement (DTAA) between Government ofIndia and Government of other Countries (country of Residence of respective NRI), the rate of tax deductedat source will be applied as per the DTAA. NRI has to give the declaration each financial year in tworespects, viz.,that he is a resident of foreign country and he is not resident in India, during the relevantFinancial Year, failing which TDS will be deducted at normal rates.Where income tax is deducted at source on the monthly interest a consolidated TDS certificate may beissued for the financial year.Sub-section 5A to Section 139A of the Income Tax Act, 1961 requires every person receiving any sum orincome from which tax has been deducted to intimate his Permanent Account Number (PAN) to the personresponsible for deducting such tax. Further, sub-section 5B to section 139A requires the person deductingsuch tax to indicate the PAN on the TDS certificate. Please mention your PAN in the application form.




Received from ___________________________________________________________ cheque/HDFC Deposit Receipt No. __________________________ for` ________________________ dated ________________ drawn on ____________________________ Bank ___________________________ Branch towards❑ Deposit for Senior Citizens ❑ Monthly Income Plan ❑ Non-Cumulative (❑ Quarterly ❑ Half-Yearly) ❑ Annual Income Plan ❑ Cumulativefor a period of _____ months @ _______% per annum.

PREMATURE WITHDRAWALRequest for premature withdrawal may be permitted at the sole discretion of the corporation only andcannot be claimed as a matter of right by the depositor, subject to the Housing Finance Companies (NHB)Directions, 2001 as applicable from time to time.

Premature withdrawal will not be allowed before completion of 3 months from the date of deposit. In caseof request for premature withdrawal after the expiry of three months, the rates given in the following tableshall apply.

Months completed from the date of deposit Rate of Interest PayableAfter 3 months but before 6 months No Interest


The brokerage is paid upfront for the entire period of deposit to our authorised agent. In case of prematurewithdrawal the brokerage is payable for the period completed and excess brokerage paid will be recoveredfrom the deposit amount.RENEWAL AND REPAYMENT OF DEPOSITFor renewal or repayment of deposit, the duly discharged deposit receipt must be surrendered to HDFCatleast a week before the date of maturity. In case of renewal, the prescribed application form signed byall depositors is also required to be submitted simultaneously.When the date of maturity falls on any day on which HDFC's office remains closed the repayment will bemade on the next working day. Repayment of deposit will be made by "Account Payee" cheque drawnfavouring the first depositor or by crediting the amount directly to first depositor's designated NRO bankaccount through NEFT.NOMINATION FACILITYDepositor/s, singly or jointly, can nominate a single person under this facility. Power of attorney holder orany person acting in representative capacity as holder of an office or otherwise cannot nominate. Thenominee shall have the right to receive the amount due in respect of the deposit and payment by HDFC tothe nominee shall constitute full discharge to HDFC of its liabilty in respect of the deposit. Nominee’sname will be printed on the Fixed Deposit Receipt unless mentioned otherwise.'KNOW YOUR CUSTOMER (KYC)' COMPLIANCEIn terms of the Prevention of Money Laundering Act, 2002, the rules notified thereunder and KYC (KnowYour Customer) Guidelines issued by the National Housing Bank (NHB), every depositor is required tocomply with the KYC requirements by submitting the following documents. Power of Attorney holder orany person acting in representation capacity as holder of an office or otherwise is also required to complywith KYC guidelines :a) Latest photograph b) Certified copy of the proof of identify c) Certified copy of the proof of addressIn case the depositor has already submitted the above documents in his earlier deposit, then he need notsubmit the above documents again, but has to provide the reference of his customer number or depositnumber.All photocopies have to be attested by your Banker/Notary/Indian Embassy official/Yourself(Selfattestation).All photocopies have to be signed by the applicant in full as ‘True Copies”.DEPOSITS FOR SENIOR CITIZENSSenior citizens will be eligible for an additional rate of 0.25% p.a. for all schemes. Individuals who havecompleted 60 years of age should be the first depositor. Proof of age must be submitted along with theapplication form.GENERALIn the event of death of the first / sole depositor the repayment of deposit and payment of interest will bemade to the joint depositor first in order of survivor/s / nominee on submission of death certificate withoutreference to the heirs and/or legal representatives of the deceased.Any discharge given by the first-named depositor for principal and/or interest will be valid and binding onall joint depositors. Deposits with HDFC are not transferable. Applications should be complete in all respectsand HDFC has a right to accept or reject any application without notice, subject to the Housing FinanceCompanies (NHB) Directions, 2010.The corporation has been assigned a rating of 'FAAA' by CRISIL and 'MAAA' by ICRA for its fixed deposits.In case of any deficiency of the corporation in servicing its deposits, the depositor may approach theNational Consumers Disputes Redressal Forum, the State Level Consumers Disputes Redressal Forumor the District Level Consumers Dispute Redressal Forum for relief.In case of non-repayment of the deposit or part thereof in accordance with the terms and conditions of thedeposit, the depositor may make an application to an authorised officer of the National Housing Bank.The financial position of the corporation as disclosed and the representations made in the applicationform are true and correct and that the corporation and its Board of Directors are responsible for thecorrectness and veracity thereof.The deposit acceptance activities of the corporation are regulated by the National Housing Bank. It must,however, be distinctly understood that the National Housing Bank does not undertake any responsibilityfor the financial soundness of the corporation or for the correctness of any of the statements or therepresentations made or opinions expressed by the corporation, and for repayment of deposit/dischargeof liabilities by the corporation. HDFC Deposits programme is designed in accordance with NHB Regulationswith the objective to channelise resources for housing.FOR AUTHORISED AGENTSAgents are not authorised to accept cash from depositors or issue receipt on behalf of HDFC fordeposits. Please ensure that your name and code number is clearly mentioned in the box provided in theApplication Form to enable payment of brokerage. Application Forms received without your name andcode number will not be considered for payment of brokerage. Brokerage will be paid to Authorised Agentsat the rate decided by the management.


Country Interest ArticleTax rate of Treaty

Armenia 10% 11Australia 15% 11Austria 10% 11Bangladesh 10% 12Belarus 10% 11Belgium 15% 11Brazil 15% 11Bulgaria 15% 12Canada 15% 11China 10% 11Cyprus 10% 11Czeck Republic 10% 11Denmark 15% 12Germany 10% 11Finland 10% 12France 10% 12Greece 20% 9Hungary 10% 11Indonesia 10% 11Ireland 10% 11Israel 10% 11Italy 15% 12Japan 15% 11Jordan 10% 11Kazakstan 10% 11Kenya 15% 12Korea 15% 12Kyrgyz Republic 10% 11Libyan Arab Jamahiriya 20% 10Malaysia 10% 11Malta 10% 11Mangolia 15% 11Mauritius 20% 11Morocco 10% 11

Withholding Tax Rates (Tax rate applicable under DTAA in India)Country Interest Article

Tax rate of TreatyNamibia 10% 11Nepal 15% 11Netherlands 10% 11New Zealand 10% 11Norway 15% 12Oman 10% 12Philippines 15% 12Poland 15% 11Portuguese Republic 10% 11Quatar 10% 11Romania 15% 12Russian Federation 10% 11Singapore 15% 11South Africa 10% 11Spain 15% 12Srilanka 10% 11Sudan 10% 11Sweden 10% 11Swiss 10% 11Syria 7.5% 12Tanzania 12.50% 12Thailand 20% 11Trinidad and Tobago 10% 11Turkey 15% 11Turkmenistan 10% 11Uganda 10% 11Ukraine 10% 11United Arab Emirates 12.5% 11United Arab Republic 20% 12United Kingdom 15% 12United States 15% 11Uzbekistan 15% 11Vietnam 10% 11Zambia 10% 11

Please refer DTAA between India & Govt. of the Country of residence of respective NRI depositor orwww.hdfc.com for more details

DEPOSIT APPLICATION FORM FOR NON-RESIDENT INDIVIDUALS


www.hdfc.com



Cheque No. Date:


City Pin Code

State Country


e-mail:

Bank Name Branch :

HDFC Deposit Receipt No. Maturity Date

❑ ANNUAL INCOME PLAN❑ MONTHLY INCOME PLAN❑ CUMULATIVE



If ‘KNOW YOUR CUSTOMER (KYC)’ information is already submitted, Please Mention Your Customer Number

for 1st Depositor: OR Kindly Submit Proof of Identity and Residence for our records.




PLEASE USE BLOCK LETTERS AND TICK IN APPROPRIATE PLACES (PREFERABLY IN BLACK INK)






Latest Telephone Bill of Land line / Mobile Latest Electricity / Gas Bill Latest Bank Account Statement Ration Card

Latest Demat Account Statement Registered Rent Agreement Any other Address Proof (Subject to satisfaction of HDFC)


1. Mr / Ms / MasterPower of Attorney holder Mr / Ms

2. Mr / Ms / Master

Date of Birthfor 1st depositor (Compulsory)(as appearing in your supplied identification document)

Bank Account No.

MICR Code :

DETAILS OF BANK ACCOUNT - (Non Resident Ordinary-NRO A/c.)


FOR OFFICE USE ONLYDeposit Receipt No. Stationery Serial No. Date of Receipt Date of Deposit Checked by Authorised by

Agent’s Name:

Code No.:

Cheque RTGS

Name of Bank :

Branch :


Amount: `

❑ FIXED RATE INTEREST ❑ VARIABLE RATE INTEREST

❑ NON-CUMULATIVE (Quarterly)❑ NON-CUMULATIVE (Half Yearly)

SCHEME :

Proof of Identity to be provided by Applicant. Valid Passport

(From NRO Bank A/c only)

(Mandatory as per Sub-section 5A to Section 139A of the Income Tax Act, 1961.)


NO/27874

G12

6/5/

11/--

--

I/We hereby declare that the first named depositor mentioned in my/our application is the beneficial owner of this deposit and as such he/she should be treated as the payee for the purpose of tax deduction under Section 195 of the IncomeTax Act,1961. I/We hereby agree to abide the attached terms and conditions governing deposits . I/We further declare that the amount kept in deposit has been placed through the credit amount lying in my/our Non Resident Ordinary (NRO)Account only and it does not represent inward remittances or transfer of funds from NRE/FCNR accounts into the NRO Account.I/We have gone through the financial and other statements/particulars/representations furnished/made by the Corporation and after carefulconsideration I/We am/are making the deposit with the Corporation at my/our own risk and volition.I/We further declare that, I/We am/are authorized to make this deposit in the above-mentioned scheme (HDFC Deposit) and that theamount kept in the deposit is through legitimate source and does not involve directly or indirectly any proceeds of schedule of offenceand/or is not designed for the purpose of any contravention or evasion of the provisions of the Prevention of Money Laundering Act,2002 and any Rules, Regulations, Notifications, Guidelines or Directions thereunder, as amended from time to time. I/We shall provideany further information and fully co-operate in any investigation as and when required by the Corporation in accordance to the applicableLaw. I/We further affirm that the information/details provided by me/us is/are true and correct in all respect and nothing has been concealed.

Nomination under Section 36B of the National Housing Bank Act 1987 and Rule 2(1) of the Banking Companies (Nomination) Rule 1985 in respect of HDFCdeposits. I/We nominate the following person to whom in the event of my / our / minor's death the amount of this deposit may be returned by HDFC Ltd.and the name of the nominee shall/shall not be printed in the Fixed Deposit Receipt.

* As the nominee is a minor on this date, I/We appoint (Name, address & age) to receive the

amount of the deposit on behalf of the nominee in the event of my / our / minor's death during the minority of the nominee.* Leave out if nominee is not a minor. Where deposits are made in the name of a minor, the nomination should be signed by a person lawfully entitled to act on behalf of the minor.

Name(s), and Address(es) of witness(es) for nomination only. (One witness required; thumb impression needs two witnesses)

Place & DateSignature of witness(es)

NOMINATION (Must be signed by the depositor(s) & witnessed)


FIRST/SOLE : ____________________________

SECOND : ____________________________



First/Sole : ____________________________

Second : ____________________________

1. Gross Annual Income Details Please tick ( ) Upto ` 2,00,000 ` 2,00,001 to ` 5,00,000 ` 5,00,001 to ` 10,00,000 ` 10,00,001 to ` 25,00,000 ` 25,00,001 and above



Other Details

To,HDFC Limited, IndiaI, ________________________________________________________________________ son / daughter of ______________________________________________________aged _________ years, presently residing at _________________________________________________________________________________________________________________________________________________________________________________________(Complete address) do hereby solemnly declare and affirm on oath as follows:1. I am a resident/domiciled in __________________________________ as referred to under Article 4 of the Double Taxation Avoidance Agreement entered into

between India and ___________________________ which is my country of residence & I do not have any permanent establishment in India as per DTAA entered.2. I am not a resident of India in terms of the Treaty for the financial year 200_________.3. I am the beneficial owner of the investments made by me in India/ income receivable by me from such investments in India.4. The amount receivable is towards interest and falls under the head “Interest” under Article _____________ of the Treaty.5. The place of assessment of my world income is__________________________.6. I undertake to promptly inform HDFC Ltd. in writing should there be any change in the facts given above, including but not limited to change in tax residential status, nature of

holding of income, etc.7. I grant irrevocable exclusive right to HDFC Ltd. to recover the tax and other charges arising on account of change in facts mentioned in point 6 / change in tax laws or

interpretations thereof from any amounts due to me, or, otherwise, at the discretion of HDFC Ltd.. I undertake to pay on demand by HDFC Ltd. any shortfall between theamounts recovered by HDFC Ltd. and the amount payable by me and indemnify and hold HDFC Ltd. harmless from any loss on account of the change of facts.

8. In the event there is any income tax demand (including interest, charges or levies) raised in India in respect of these amounts we undertake to pay the demand forthwith andindemnify and hold HDFC Ltd. harmless from any income tax demand (including interest, penalty, charges or levies) raised in India on the HDFC Ltd. on account of anymisstatement / misrepresentation/ errors of omission or commission by me or any other person, and provide HDFC Ltd. with all information/documents that may be necessaryfor any proceedings before Income-tax / Appellate Authorities in India.

9. I also undertake to provide a new tax declaration to HDFC Ltd. for every financial year, latest by April 10. I confirm that my delay or failure to provide such new tax declarationwill allow HDFC Ltd. to apply the income tax rate as per Income-tax Act, 1961 ignoring the lower rates in the tax treaty. My claim, for refund of excess Indian income tax, if any,will lie directly against the Indian income tax department, Ministry of Finance, Government of India and HDFC Ltd. will not be liable for the same in any manner.

I confirm that, I have read and understood the provisions of the Double Taxation Avoidance Agreement between India and __________________________(country of residence)including the Articles 1, 2, 4 and ________(Article on Interest) of the Treaty.I, _____________________________________________________________________________________________________________________________________________________________________________________________________________(name and address), hereby declare that the contents above are correct, complete and truly stated.

Name & signature of Non-resident Indian investor Indian Income Tax Permanent Account Number (PAN): _______________________________Signed this _______ day of ____________________, 200___ Place: ________________________________

DECLARATION

Name of Nominee

Flat No. Bldg. Name Road No. / Name

City State Pin Code

Country Tel./Mobile

(For the purpose of applying TDS rates as per DTAA. (For Details Refer TDS Clause)



RULES 1977.






























31.03.2010 3,915.99 2,826.49 36.00*31.03.2009 3,219.04 2,282.54 30.0031.03.2008 3,373.50# 2,436.25 25.00



(` in crores)


Brief particulars of Contingent Liabilities: Contingent liabilities in respect of guaranteeprovided by the Corporation is ` 29.79 crores (Previous year ` 156.56 crores), in respect ofincome tax demands net of amounts provided and disputed by the Corporation is ` 298.56crores (Previous year ` 315.11 crores), in respect of corporate undertakings provided forsecuritisation of receivables ̀ 1,081.15 crores (Previous year ̀ 594.85 crores) and in respectof disputed sales tax and stamp duty dues not provided for by the Corporation amounts to` 0.04 crores (Previous year ` 0.04 crores)(i) The amount of Public deposits which the Corporation can raise under the Housing Finance









Company Secretary

