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HSBC PERSONAL BANKING

A wide range of services to meet your banking needs.

 1. HSBC IN 
 2. Personal Banking

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EVERYDAY BANKING MADE EASIER

With HSBC Personal Banking, you can manage your day to day banking and grow your
wealth with tools and services designed to make your life easier.

How to apply How to apply Get onboard in just few steps.




MOBILE BANKING

Get everything done with a touch, tap or swipe, from checking your balance to
managing your credit card payments.


CONTACTLESS PAYMENT

Use your contactless debit or credit card to make fast, secure and easy payments
on the go.


INSTANT TRANSFERS

Make instant transfers with your personal internet banking and mobile banking
accounts.


EXTENSIVE ASSISTANCE

Got a question? Need assistance? Get in touch with our representatives through
live chat, phone banking and much more.


BANKING ON THE GO

Get a complete control over your bank and credit card accounts online and on
your phone with HSBC's internet and mobile banking services.

 * Digital Secure Key offers an extra layer of authentication for secure
   transactions
 * Video Customer Identification Process (V-CIP) means you can complete your KYC
   from the comfort of your home
 * Bill Payment service for convenient and flexible online bill payments
 * HSBC e-NACH services for paperless standing instructions with specific
   amount, times and dates


A STEP CLOSER TO YOUR DREAMS

Whether you're buying your dream home, planning your children's education or
even a family wedding, our loan calculators help you to explore loan options,
compare our mortgage products or find ways to save on interest.

 * Discover home loans that help you to buy ready properties and select under
   construction properties approved by HSBC India
 * Transfer the balance of your existing loans with special top-ups at
   attractive rates
 * Access loans against property (LAP) to raise funds when you need it the most
 * Apply for personal loans at attractive rates with easy documentation and
   quick processing
 * No collateral or guarantor required




WHEREVER YOU GO, WE'LL FOLLOW YOU

Planning a big move overseas or returning to India? Our wide range of
international banking and financial services are here for you, beyond the
borders.

 * Open an account in the new country even before you leave India in just a few
   steps with assistance from our International Banking Centres
 * Manage your finances at home and overseas with single-view of all your
   accounts and move money across borders instantly
 * Access your account even when you're not in India, and make easy withdrawals
   overseas at any HSBC ATMs (currency conversion charges apply)
 * Make the most of studying abroad with banking, guidance and extensive
   assistance from HSBC




KNOW MORE ABOUT OUR PRODUCTS




CREDIT CARD

Compare the rates, offers, features and benefits of our range of credit cards.


PERSONAL LOAN

When expenses arise, like a wedding, furnishing your home, higher education for
your children or a family holiday you can turn to Personal Loans from HSBC.


HOME LOAN

Save more on Equated Monthly Instalments (EMIs) or reduce your loan tenure by
transferring your Home Loan to HSBC.


WEALTH MANAGEMENT

Investment options for a range of financial goals.

THINGS YOU SHOULD KNOW 

Eligibility

 

Maintain a quarterly Total Relationship Balance (TRB)* of INR150,000 or more in
a combination of savings and current account balances, fixed deposits, holdings
in demat account held with HSBC, investments and life insurance through HSBC
India.

 

OR

 

Hold a Corporate Salary Account under the Corporate Employee Programme (CEP)
with monthly salary credits of INR 25,000 or more into this account.

 

OR

 

Have a mortgage relationship with HSBC, with equated monthly instalments (EMI)
being debited from this account towards the mortgage loan repayment with HSBC.

 

*The TRB will be calculated based on the following:

 * Average quarterly balance held in your HSBC Savings/Current Account(s)
 * Average quarterly balance held in your HSBC Fixed Deposits
 * Investments1 market value or net purchase value, whichever is higher as on
   the last day of every calendar quarter
 * Life-to-date (total) paid-up life insurance2 premium for policies in force as
   on the last day of every calendar quarter
 * Market value of demat holdings in the depository account held with HSBC India
   as on the last day of every calendar quarter

 

1The Hongkong and Shanghai Banking Corporation Limited, India (HSBC India)
currently offers investment products from third party entities registered and
regulated in India. Investments are subject to prevailing market
conditions/external factors. 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.

 

2Insurance is the subject matter of solicitation. HSBC India having its
registered office at 52/60, M. G. Road, Fort, Mumbai - 400 001, is the Corporate
Agent (Registration No.: CA0016) of Canara HSBC Oriental Bank of Commerce Life
Insurance Company Limited (CHOICe) and Bharti AXA General Insurance Company
(BAGI). HSBC India does not underwrite the risk or act as an insurer. For more
details on risk factors, terms and conditions,




GET ONBOARD IN JUST FEW STEPS



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USEFUL LINKS


DOCUMENTS & LINKS 

 * HSBC Personal Banking Terms and Conditions (PDF, 50 KB) HSBC Personal Banking
   Terms and Conditions (PDF, 50 KB) Download






YOU MIGHT BE INTERESTED IN


PREMIER

 

From exclusive privileges to getting the best for your family, our Premier
account offers you seamless international connections, so you can thrive
wherever life takes you.


CORPORATE EMPLOYEE PROGRAMME

 

The Corporate Employee Program (CEP) is a salary account proposition especially
designed to provide banking solutions to employees of leading organisations.



NRI

 

Products and services for customers living overseas or returning to India after
being aboard.





IMPORTANT TERMS AND CONDITIONS


FOR PERSONAL BANKING

HSBC Personal banking customers need to fulfil the HSBC Personal Banking AQB
criteria, failing which a quarterly Service Charge of 1% of the shortfall of the
AQB4 up to a maximum of INR1,200 (plus applicable taxes3) will be levied for the
quarters in which the eligibility criteria is not met.

3 Please note that basis Goods and Services Tax (GST) regulations and notified
GST rates, Central GST and , State/Union Territory GST,  and Cess as applicable
or Inter-State GST, as applicable, would apply on our fees and charges.

4 The AQB will be calculated based on the following:

 * Average quarterly balance held in your HSBC Savings/Current Account(s)
 * Average quarterly balance held in your HSBC Fixed Deposits


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 * CONTACT HSBC
   
   Enquire online, call or send a message 


 * FIND A BRANCH OR ATM
   
   Find your nearest HSBC branch or ATM 


 * FREQUENTLY ASKED QUESTIONS
   
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 * ABOUT HSBC
   
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 * Regulatory Disclosures
 * Hyperlink Policy
 * Privacy Statement
 * Site Terms
 * Sitemap

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