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Product Offerings

Navigate through the world of financial opportunities and make more informed choices about managing your hard earned money.

Wealth Management Services (WMS)1

At HSBC, it has been our constant endeavour to offer wealth management solutions that address your individual needs. In order to facilitate the same, our professionally trained and accredited Relationship Manager will assist you with the ‘Goal Planner’, a financial planning tool to help you manage your financial needs. This tool offers you comprehensive financial analysis, risk profiling and tailored wealth solutions.

Based on your specific investment needs, investment objectives and risk profile, our Relationship Manager will help you to develop a financial plan towards achieving your financial goals. We will also provide you with insightful global and local market information to help you make informed investment decisions.

Our wealth management solutions include a range of investment and insurance5 products from trusted partners. We also offer access to seamless banking services and a secure online platform to take care of your investments. 

Investments

We currently offer investment options in Indian mutual funds3 which may fulfill your requirements, thus helping you create and increase3 your wealth potential in the long term.

Some of the benefits of investing in mutual funds are:

  • New opportunities: Fund Managers of mutual funds identify and enhance opportunities for your investments to grow with the help of critical information from leading economists and analysts
  • Diversified risks: Mutual funds help you to diversify your overall investment risk by spreading the investment across multiple asset classes
  • Easy access to your money: As most of the mutual funds can be bought and sold on any dealing day (which normally means weekdays), you can get easy access to your money at short notice (ranging between 3 to 10 days)
  • Transparency: The mutual fund sector is regulated to safeguard the investor’s interests

Life Insurance

We offer a range of unit linked life insurance4 products from Canara HSBC Oriental Bank of Commerce Life Insurance Company (CHOICe) offering you an array of flexible life protection products5 for you and your family.

Demat Services

We offer you demat account services to enable you to hold your securities such as equity shares, bonds, etc. in electronic form.

Fixed Deposits

When it comes to assured returns7, choosing the right type of savings scheme makes all the difference. We have options for fixed deposits that you can choose from, such as ordinary/cumulative fixed deposits. Continue to earn interest on the fixed deposits by opting for a SmartMoney Account facility, and enjoying an overdraft of up to 90% on the deposit amount. You can pay interest only on the amount overdrawn8, while you earn interest on 100% of your fixed deposit

Support Services

Consolidated statements: To ensure that you get a holistic view of your portfolio, we provide you with a monthly consolidated statement, which details your holdings across fixed deposits, mutual funds and loans availed of, through the Bank

WMS statements: In addition to the consolidated statement, you will also receive a monthly wealth management statement that details your investments in mutual fund schemes done through HSBC India 

Mortgage

Smart Home from HSBC

A Home Loan that enables you to save on interest payments and thereby reduce the tenure of the loan.

Benefits of Smart Home from HSBC

Your Smart Home loan is operated through a Smart Home account that acts as a current account with an overdraft limit equal to the amount of the loan disbursed. Your Smart Home account would be your loan account.

All you need to do is to put your savings in the Smart Home account and depending on the savings you put in the Smart Home account, you can reduce the quantum of interest paid and thereby reduce the tenure of your loan.

The principal on which your loan interest is calculated is the principal outstanding minus the savings which you have deposited in your Smart Home account every month, over and above your Equated Monthly Instalment (EMI).

The example below shows how the potential reduction in interest amount payable works by depositing an additional amount of ₹17,500 in the Smart Home account over and above the applicable EMI over a period of 20 years.

Smart Home EMI Example

Loan Details

Normal Home

Smart Home

Loan Amount (₹)

5,000,000

5,000,000

Interest Rate* (p.a.)

11.00%

11.50%

Original Loan Tenure

20 Years

20 Years

EMI (₹)

51,609

54,083

Actual EMI's Paid

240

126

Total Interest (₹)

7,386,261

3,686,716

Savings in Interest (₹)

-

3,699,544 (50%)

Smart Home EMI Example

Loan Details

Loan Amount (₹)

Normal Home

5,000,000

Smart Home

5,000,000

Loan Details

Interest Rate* (p.a.)

Normal Home

11.00%

Smart Home

11.50%

Loan Details

Original Loan Tenure

Normal Home

20 Years

Smart Home

20 Years

Loan Details

EMI (₹)

Normal Home

51,609

Smart Home

54,083

Loan Details

Actual EMI's Paid

Normal Home

240

Smart Home

126

Loan Details

Total Interest (₹)

Normal Home

7,386,261

Smart Home

3,686,716

Loan Details

Savings in Interest (₹)

Normal Home

-

Smart Home

3,699,544 (50%)


We have Preferential pricing on Mortgage for our Premier customers. Kindly get in touch with your Relationship Manager for more details.

*Interest rates are merely indicative, which can change from time to time depending on market conditions.

The Interest rate on your Floating Rate loan effective 1st April 2016 is linked to HSBC's (the Bank) published 3 month Marginal Cost of Fund based Lending Rate (MCLR) and will be reset on a three monthly basis. The 3 month MCLR is published by the Bank at the beginning of every month, which will be the benchmark rate for loans that are disbursed in that month. The floating rate of interest on all the loans disbursed by the bank will be reset at an interval of 3 months from the month of loan disbursal. It will be reset against the 3 month MCLR published by the Bank in the month of reset. The reset will be done by the 7th calendar day of the month. A revision in the applicable rate of interest will lead to a revision in the Equated Monthly Instalment (EMI) or the loan tenure at the Bank's discretion. The revised loan interest rate will be notified to you by SMS, or E-mail or letter as per the Bank's prevailing policy; however SMS will be the preferred mode. Though the current benchmark rate applicable to your loan is the 3 month MCLR, the bank reserves the right to change the benchmark rate to a different maturity MCLR, with due notice to you. The applicable rate of interest rate on your loan is the 3 month MCLR plus the margin (spread). The margin charged to you will not be increased throughout the tenure of the loan, except on account of deterioration in the credit risk profile of the borrower. The 3 month MCLR is 7.90% p.a. effective 1 January 2017.

Note: These tables are based on interest rates which are subject to change and which may not apply to your loan. The computation in this document is based on simulated figures and a number of underlying assumptions.

Home Loan9 from HSBC

Living under one’s own roof gives eternal happiness and a sense of security. We make it easier for you to realise your dream with our Home Loans.

Loans are available to Resident Indians for ready properties, select under construction properties approved by HSBC, purchase of plot of land, self-construction and home improvement

Maximum loan tenure of 30 years for salaried applicants and 25 years for self-employed applicants 

Home Loans Minimum and Maximum Loan Amounts
Purpose

Sourcing City

Min. Loan Amount (Home Loan)

Min. Loan Amount (Smart Home)

Max. Loan Amount

Purchase of ready and under construction property

Mumbai, New Delhi (NCR)

₹500,000

₹500,000

Up to ₹150,000,000

Bengaluru, Chennai, Pune, Ahmedabad, Chandigarh, Jaipur, Hyderabad

₹300,000

₹500,000

Up to ₹100,000,000

Home Loans Minimum and Maximum Loan Amounts
Purpose

Purchase of ready and under construction property

Sourcing City

Mumbai, New Delhi (NCR)

Min. Loan Amount (Home Loan)

₹500,000

Min. Loan Amount (Smart Home)

₹500,000

Max. Loan Amount

Up to ₹150,000,000

Purpose

Bengaluru, Chennai, Pune, Ahmedabad, Chandigarh, Jaipur, Hyderabad

Sourcing City

₹300,000

Min. Loan Amount (Home Loan)

₹500,000

Min. Loan Amount (Smart Home)

Up to ₹100,000,000

Max. Loan Amount

Loan Against Property (LAP) from HSBC

With LAP from HSBC, you can raise funds against your residential property for business and general needs.

'Loan Against Property Minimum and Maximum Loan Amounts

Purpose

Sourcing City

Min. Loan Amount (Loan Against Property)

Min. Loan Amount (Smart LAP)

Max. Loan Amount

Loan against property

Mumbai, New Delhi (NCR)

₹300,000

₹500,000

Up to ₹150,000,000

Bengaluru, Chennai, Pune, Ahmedabad, Chandigarh, Jaipur, Hyderabad

₹300,000

₹500,000

Up to ₹100,000,000

'Loan Against Property Minimum and Maximum Loan Amounts

Purpose

Loan against property

Sourcing City

Mumbai, New Delhi (NCR)

Min. Loan Amount (Loan Against Property)

₹300,000

Min. Loan Amount (Smart LAP)

₹500,000

Max. Loan Amount

Up to ₹150,000,000

Purpose

Bengaluru, Chennai, Pune, Ahmedabad, Chandigarh, Jaipur, Hyderabad

Sourcing City

₹300,000

Min. Loan Amount (Loan Against Property)

₹500,000

Min. Loan Amount (Smart LAP)

Up to ₹100,000,000

Max. Loan Amount

Personal loans9

When expenses arise, like your child’s marriage, furnishing your home, higher education for your children or a family holiday, you can turn to a Personal Loan from HSBC.

  • The maximum loan amount that can be availed of under Personal Loan is ₹30,00,000
  • Preferential pricing
  • No guarantor required

The loan amount may vary, subject to credit and other internal credit guidelines of HSBC India.

Special offer on Personal Loans^

We have designed a 'Special Offer' for you which can be availed to fulfill your short-term financial needs.

  • Interest rate starting @ 10.99%^^
  • Loan amount ranging between 10-30 lakh
  • Processing fee @ 0.5%
  • Flexible Tenure Options offered between 6 -18 months
  • Foreclosure charges @ 3.75% (Foreclosure option is available post six months for loan with tenure higher than 6 months)

^ The loan amount may vary, subject to credit and other internal credit guidelines of HSBC India.

^^The interest rate starting at 10.99% p.a. will be applicable only to resident customers holding HSBC Premier accounts.

All loans are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC). Personal Loans are available in the cities of Ahmedabad, Bengaluru, Chandigarh, Chennai, Delhi, Hyderabad, Jaipur, Kochi, Kolkata, Mumbai and Pune only, and are subject to change from time to time.

Eligibility

You are able to access the HSBC Premier benefits if you have:

  • Maintain a quarterly Total Relationship Balance (TRB) of ₹4,000,000 (Rupees Forty Lakh only); OR
  • Have a mortgage relationship with disbursal of ₹11,500,000 (Rupees One Crore Fifteen Lakh only) or more, with HSBC India; OR
  • Hold a corporate salary account under the HSBC Corporate Employee Programme (CEP) in India with a net monthly salary credit of ₹300,000 (Rupees Three Lakh only) or more into the account

 

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Important Information

Terms & Conditions

1The Hongkong and Shanghai Banking Corporation Limited, India (HSBC India/Bank) currently offers investment products from entities registered and regulated in India. Mutual funds are subject to market risks. Please read the Statement of Additional Information (SAI)/Key Information Memorandum (KIM)/Scheme Information Document (SID) and addendums carefully before investing. HSBC does not distribute wealth management products to those persons who are either the residents or citizens of United States of America (USA), Canada, Australia or New Zealand.

The Hongkong and Shanghai Banking Corporation Limited, India (Registration No: CA0016) whose registered office is at 52/60, M. G. Road, Fort, Mumbai 400 001, is the Corporate Agent of Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited (CHOICe) and Bharti AXA General Insurance Company (BAGI). The Hongkong and Shanghai Banking Corporation Limited, India does not underwrite the risk or act as an insurer. Purchase of any insurance products by a bank’s customer is purely voluntary and is not linked to availment of any other facility from the Bank. The contract of insurance is between the insurer and the insured and not between the bank and the insured. For more details on risk factors, terms and condition please read the sales brochure carefully before concluding a sale.

3Mutual funds are subject to market risks. Please read the Statement of Additional Information (SAI)/Key Information Memorandum (KIM)/Scheme Information Document (SID) and addendums carefully before investing. Terms and conditions apply.

4In these policies, the investment risk in investment portfolio is borne by the policyholder.

5Insurance is a subject matter of solicitation. HSBC is a corporate agent (Registration No: CA0016) of Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited, which offers and underwrites life insurance products. HSBC does not underwrite the risk or act as an insurer.

7 All commercial banks including branches of foreign banks functioning in India, local area banks and regional rural banks are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC). It insures all deposits such as savings, fixed, current, recurring, etc. deposits except the following types of deposits

  1. Deposits of foreign Governments
  2. Deposits of Central/State Governments
  3. Inter-bank deposit
  4. Deposits of the State Land Development Banks with the State co-operative bank
  5. Any amount due on account of and deposit received outside India
  6. Any amount, which has been specifically exempted by the corporation with the previous approval of Reserve Bank of India

8 Each depositor in a bank is insured up to a maximum of INR 1,00,000 (Rupees One Lakh) for both principal and interest amount held by him in the same right and same capacity as on the date of liquidation/cancellation of bank's licence or the date on which the scheme of amalgamation/merger/reconstruction comes into force