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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)

At HSBC, it has been our constant endeavour to offer wealth management solutions that helps you to manage your financial needs. In order to facilitate the same, our professionally trained and accredited Relationship Manager will assist you with the 'Goal Planner', a goal 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 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

Currently we offer a list of select mutual fund products based on in-house research methodology, 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:

  • Professional Management: The experts (Fund Manager) manage and operates the Mutual Funds. The fund manager keeps a watch on the markets to identify the opportunities for your investments
  • Diversification: It reduces the risk involved in building a portfolio, and reduces the risk of investing in one particular stock or sector. Additionally, it gives you a broader exposure to various stocks and sectors
  • Easy access to your money: One can buy or sell mutual fund  on any dealing day. You can get easy access to your money at short notice (ranging between 3 to 10 days)
  • Well Regulated: Mutual funds in India are regulated and monitored by the Securities and Exchange Board of India (SEBI). The body protects the interests of investors

Life Insurance

We offer a range of life insurance products from Canara HSBC Oriental Bank of Commerce Life Insurance Company (CHOICe) from unit linked to endowment plans to pure protection plans, 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 INR17,500 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 (INR)

5,000,000

5,000,000

Interest Rate* (p.a.)

7.30%

7.80%

Original Loan Tenure

240

240

EMI (INR)

39,670

 41,665

Actual EMI's Paid

240

176

Total Interest (INR)

 4,515,772

2,253,734

Savings in Interest (INR)

N/A

2,262,037 (50%)

Smart Home EMI Example

Loan Details

Loan Amount (INR)

Normal Home

5,000,000

Smart Home

5,000,000

Loan Details

Interest Rate* (p.a.)

Normal Home

7.30%

Smart Home

7.80%

Loan Details

Original Loan Tenure

Normal Home

240

Smart Home

240

Loan Details

EMI (INR)

Normal Home

39,670

Smart Home

 41,665

Loan Details

Actual EMI's Paid

Normal Home

240

Smart Home

176

Loan Details

Total Interest (INR)

Normal Home

 4,515,772

Smart Home

2,253,734

Loan Details

Savings in Interest (INR)

Normal Home

N/A

Smart Home

2,262,037 (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, if disbursed on/after 01 October 2019 is linked to HSBC's Repo Linked Lending Rate (RLLR). HSBC's Repo Linked Lending Rate (RLLR) is pegged to RBI's repo rate, rounded off to the nearest 5 bps. The interest rate in loans which are linked to RLLR will undergo re-pricing (i.e. upwards or downwards as the case may be) in line with the movement of the RLLR. Repo rate is normally reviewed by the RBI's Monetary Policy Committee at intervals of two months. In case of change in Policy Repo Rate, RLLR will be changed in the beginning of the following month (by 7th calendar day of the following month). Consequent upon any change in RLLR, the rate of interest of loans linked to RLLR will undergo a change.

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 Loan 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)

INR500,000

INR500,000

Up to INR150,000,000

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

INR300,000

INR500,000

Up to INR100,000,000

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)

INR500,000

Min. Loan Amount (Smart Home)

INR500,000

Max. Loan Amount

Up to INR150,000,000

Purpose

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

Sourcing City

INR300,000

Min. Loan Amount (Home Loan)

INR500,000

Min. Loan Amount (Smart Home)

Up to INR100,000,000

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)

INR300,000

INR500,000

Up to INR150,000,000

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

INR300,000

INR500,000

Up to INR100,000,000

'Loan Against Property Minimum and Maximum Loan Amounts

Purpose

Loan against property

Sourcing City

Mumbai, New Delhi (NCR)

Min. Loan Amount (Loan Against Property)

INR300,000

Min. Loan Amount (Smart LAP)

INR500,000

Max. Loan Amount

Up to INR150,000,000

Purpose

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

Sourcing City

INR300,000

Min. Loan Amount (Loan Against Property)

INR500,000

Min. Loan Amount (Smart LAP)

Up to INR100,000,000

Max. Loan Amount

Personal loans

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 INR3,000,000^
  • No requirement of collateral/guarantor
  • Interest rates starting @ 10.50%^^
  • Processing fee up to 1% of the disbursed loan amount
  • Flexible Tenure Options offered between 6-60 months
  • Foreclosure^^^ charges up to 3.75% 

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

^^The interest rate starting at 10.50% p.a. will be applicable only for loan tenor upto 12 months

^^^Foreclosure option is available only after completion of lock-in period as per the terms detailed in the Personal Loan agreement.

HSBC customers can avail personal loans in the cities of Ahmedabad, Bengaluru, Chandigarh, Chennai, Cochin, Coimbatore, Hyderabad, Jaipur, Kolkata, Mumbai, New Delhi and Pune.

Sanction of Loan is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC).

Who can apply?

To apply for HSBC Premier, check that you meet at least one of the following criteria:

  • Maintain a quarterly Total Relationship Balance1 (TRB) of INR4,000,000 (rupees forty lakh only); or
  • Have a mortgage2 relationship with disbursal of INR11,500,000 (rupees one crore fifteen lakh only) or more, with HSBC India; or
  • Hold a corporate salary account under the HSBC Corporate Employee Programme (CEP)3 in India with a net monthly salary credit of INR300,000 (rupees three lakh only) or more into the account; or

If you're an HSBC Premier customer in another country/region, you're already eligible to join Premier in India - Simply speak to our Premier team for further help.

Join HSBC Premier today

Apply today

Submit an application form online today

Apply now by phone

Call us on 1800 266 3456 or 1800 120 4722

From overseas call:

+91-40-61268001 or +91-80-71898001

Apply in branch

To apply in a branch, just bring your identification document and a recent proof of address.

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 INR1,00,000 (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

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