The contents of this Disclaimer along with the terms of the Website User Agreement available at http://www.hdfc.com. User hereby acknowledge of having read and accepted the same by use and/or access of this Website.


The Housing Development Finance Corporation Limited (HDFC) is the premier housing finance company in India and registered and governed by National Housing Bank . HDFC was incorporated in 1977 with the primary objective of meeting a social need of encouraging home ownership by providing long-term finance to households. Over the last three and a half decades, HDFC has turned the concept of housing finance for the growing middle class in India into a world-class enterprise with excellent reputation for professionalism, integrity and impeccable service. A pioneer and leader in housing finance in India, since inception, HDFC has assisted more than 5 million customers to own a home of their own HDFC is how millions of Indian families spell the word 'Home' as the brand not only offers Housing Finance, but also Total Housing Solutions .HDFC also conducts outreach programs in several locations.

As regards deposit taking activity of HDFC, the User/Viewers may refer to the advertisement in the newspaper/ information furnished in the application form for soliciting public deposits. HDFC is having a valid Certificate of Registration dated 31st July, 2001 issued by the National Housing Bank under Section 29A of the National Housing Bank Act, 1987. However, the National Housing Bank does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions .

If User has any question regarding this Disclaimer, User may please contact us at http://www.hdfc.com and we will try to attend to User’s query within reasonable time.

Any use of this Website would expressly mean that User irrevocably accepts all the terms and conditions of this Disclaimer and Website User Agreement specified at http://www.hdfc.com. User understands that User is free to not accept the terms and conditions contained herein and the Website User Agreement and in such an event, User is advised to not use or access this Website in any manner. User’s use and/ or access of this Website in any manner shall constitute an irrevocable acceptance of this Disclaimer and Website User Agreement.

Any person who is accessing or has accessed any information or data from this Website acknowledges and agrees that all proprietary rights, statutory or otherwise, and the information received by such person shall remain the exclusive property of HDFC. Unless otherwise provided or agreed by HDFC in writing any reproduction, distribution or transmission or modification, for consideration or otherwise, of any such information contained in this Website is strictly prohibited and would constitute a breach of the laws of India.

This Website is not to be and should not be construed as purporting to offer or an invitation to offer. Further, this Website is not to be and should not be construed as purporting to offer or inviting to offer any information or services to residents of countries where HDFC is not licensed or authorized to perform its business activities. The User agrees that given the nature of the Internet, even though the Website is targeted to Indian residents, Non Resident Indian (NRI) and Person of Indian Origin (PIO) only, it may be accessed in other parts of the world. The material/information on the Website is not intended for use by persons located in, or residents in countries that restrict the distribution of such material/information or by any person in any jurisdiction where distribution or use of such material/information or usage or access of Website will be contrary to law or any regulation. It shall be the responsibility of every User to be aware of and fully observe the applicable laws and regulations of the jurisdiction which User is subject of. If the User is not an Indian resident, NRI or PIO and yet uses the Website, he acknowledges, understands and agrees that he is doing so on his own initiative and at his own risk and HDFC shall not be liable for violation/breach of any of the laws applicable to usage of the Website. If the User is not an Indian resident, by using this Website and/or submitting his personally identifiable information or any other information on the Website, he expressly consents to the transfer of such data to India, and to the processing of such data on HDFC’S Indian servers, where his data will be governed by Indian laws that may provide a level of data protection different than his country.

HDFC does not provide any advice in this regard and shall not be liable to any person/User who enters into any business relationship with the entity whose name appears on this Website and/ or any other party based on any information accessed from this Website or uses such information or is accessing any information for any investment, company affairs, legal, tax or accounting advice or advice regarding the suitability or profitability of a security, investment or saving. Any information on this Website must not be construed as business/ investment/saving advice, and the User should exercise due caution and/or seek independent advice before the User enters into any business relationship with any entity or enters into any investment or financial obligation based on any information provided on this Website.

This Website may contain links to other Websites or videos that may belong to and/or hosted and/or operated by parties other than HDFC, for e.g. videos hosted by our third party service provider’s server or any other similar activity. HDFC is not responsible for the contents of any nature (including any related advertisements or videos) or information offered by any such linked website or any link contained in a linked website, or any changes or updates to such Websites, irrespective of whether these Websites are operated by affiliates of HDFC or other third parties. Inclusion of such a link on this Website does not imply any degree of endorsement of any nature by HDFC, regarding the quality of information provided or the nature of content by such a linked website.

This Website may contain information sourced from third parties. HDFC is not responsible for the contents of or information offered by such third parties on this Website or linked website. Inclusion of such information on this Website does not imply any degree of endorsement by HDFC, regarding the quality of information provided or the nature of content provided by the third party.

HDFC does not offer any services to any person through this Website. Access to any information on or through this Website is provided only on an ‘as-is-where-is-basis’. HDFC has endeavored to ensure that the content on this Website is accurate and up-to-date; however, the same should not be construed as a ‘statement of law’ or used for any legal purposes. In any event, User is advised to verify/ check independently or with the respective source and obtain appropriate professional advice before acting on the information provided herein. Notwithstanding anything contained elsewhere, HDFC accepts no responsibility in relation to the accuracy, completeness, usefulness or otherwise, of the contents provided on this Website.

The Services and/ or contents provided on this Website are for User’s convenience and/or only for information purposes and are not intended to be and must not be taken as the basis for any decision either by itself or in conjunction with any other information. User should make it’s own investigation of the contents provided, including the merits and risks involved and the legal consequences, independently and without reliance on us, any of our affiliates or group companies or our third party service providers or any third party associated with us in relation to the provision of any information through our Website or their respective directors, employees, agents etc.. Nothing on this Website constitutes, or is meant to constitute, advice of any kind. If User requires an advice in relation to any legal or financial matter, User should consult an appropriate professional at their own cost.

HDFC may, either through itself or its partners, affiliates or group companies combine User’s internet protocol address or other information provided by User along with other personally identifiable information for marketing and for market research purposes, including internal demographic studies, so we can optimize our products and services and customize this Website for User. When User registers with this Website, User agrees that HDFC or any of its partners, affiliates, or group companies may contact User from time to time to provide the offers/ information of such products/ services that they believe may benefit User, however it shall in no manner be construed as sanction of any loan including any home loan by HDFC, its partners, affiliates or group companies. Also, User agrees that such information so collected from User may be provided to government authorities or any court of law as per the applicable laws of India or as per HDFC’s agreement with its partners, third party service providers or any third party as the case may be in terms of the contract or to the extent permitted by law of India.

HDFC does not, expressly or impliedly, warrant, guarantee or make any representations concerning the use, results of use or inability to use or access the information or contents of this Website, in terms of accuracy, reliability, completeness, currentness, functionality, performance, continuity, legality, timeliness or otherwise, fitness for a particular purpose. Any information or data available on this Website may contain inaccuracies and/or errors and HDFC shall not be in any manner liable for inaccuracy/error if any. HDFC does not warrant that this Website or functions thereof will be uninterrupted or free of any error or defect or that information on this Website will satisfy User’s purpose or requirement. HDFC does not warrant that the servers that make this Website available will be error, virus or bug free and User accepts that it is User’s responsibility to make adequate provision for protection against such threats.

HDFC disclaims any and all kind of liabilities, current or future, for any error made or omission committed with respect to the transmission of data, information or material available on this Website and/ or linked website.

User assumes the entire risk with respect to the use, results of such use, in terms of accuracy, reliability, performance, completeness, comprehensiveness, currentness, functionality, performance, continuity, timeliness of the information, data or any content available on this Website.

HDFC will not be liable in relation to the contents of, or use of, or otherwise in connection with, this Website or linked website:

  • for any direct loss
  • for any indirect, special or consequential loss; or
  • for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.


User hereby waive User’s right to any claim based on the detrimental effects or results of any reliance placed by User on any information or data available on this Website and / or linked website.

HDFC shall not be liable for any claims or losses of any nature, arising directly or indirectly, from the use or application of the data, information or material accessed from this Website and/ or linked website. Any change or amendment to this disclaimer, altering any of the provisions set out herein, may be made at the sole discretion of HDFC, without notice.

The development of this Website with respect to the nature of the information or data available on this Website, is a continuous and on going process. HDFC disclaims any and all liability and/or responsibility for loss of any information or data, or any consequence, intended or unintended, due to the operation of this Website. HDFC does not assume or purport to assume any responsibility or liability or User’s failure or inability to use or access this Website for any purpose. Published information or data available on this Website may not be current or up to date for any purpose.


This Disclaimer and any use or access of this Website shall be governed by and constructed in accordance with the laws of India without reference to conflict of laws principles. In the event any dispute in relation hereto is brought by the User, it shall be subject to the exclusive jurisdiction of the courts of Mumbai, India however in the event any dispute in relation hereto is brought up .

HDFC controls and operates this Website from India and makes no representation that the materials are appropriate or will be available for use in other locations.


Any and all trademarks and/or service marks of HDFC (whether registered or in the process of registration) and all rights accruing from the same, statutory or otherwise, wholly vest with HDFC. Any violation of the above would constitute an offence under the laws of India and international treaties governing the same.

HDFC, or any of its affiliates, does not represent or endorse the accuracy or reliability of any of the advertisements (collectively), i.e. links, downloads, distributions or other information accessed directly or indirectly from host advertisements contained on this Website nor the quality of any products, information or other materials displayed, purchased or obtained by any User/consumer, as a result of an advertisement or any other information or offer in connection with the service or products.

HDFC expressly disclaims any and all warranties, expressed or implied, including without limitation, warranties of merchantability and fitness for a particular purpose, and non-infringement, with respect to the service or any materials and products.

This Website may contain links to other web sites operated by third parties ("linked sites"). HDFC neither endorses nor is affiliated with the linked site and is not responsible for any content of any linked site or any link contained in a link site, or any changes or updates to such sites.

In no event shall HDFC be liable for any damages, whatsoever, and in particular, shall not be liable for direct, indirect, consequential, incidental, or punitive damages, or damages of lost profits, loss of revenue, or loss of use, arising out of related to any advertisements on this Website, whether such damages arise in contract, negligence, tort, under statute, in equity, at law or otherwise. In particular HDFC shall not be responsible for or liable for any threatening, defamatory, obscene, offensive or illegal content appearing in the advertisements and further shall not be responsible for any infringement of another's rights, including intellectual property rights.

Except as otherwise noted on this Website, the contents of this Website are copyright of HDFC. All rights of HDFC are reserved. No part of the information on this Website, including text, graphics and html code, may be reproduced, transmitted or modified in any form by any means, without the express written consent of HDFC.

Statutory Disclosure
HDFC is also a corporate agent of HDFC ERGO. The Contract of general insurance is between HDFC ERGO General Insurance Company Limited and the Insured (i.e. Customer/User) only.  HDFC is not a party to the said contract. Participation by Customer/User to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.

For Life Insurance-:
Insurance is a subject matter of Solicitation. The Life Insurance product is underwritten by HDFC Standard Life Insurance Company Limited. This document has no monetary value at any time and is not proof of any contract with HDFC Standard Life Insurance Company Limited. For more details on risk factors, terms and conditions and exclusions please read the product brochure or consult HDFC’s relationship manager before conclusion of sale. HDFC Life Group Credit Protect Insurance Plan (UIN 101NO79VO1)–This plan is a traditional non linked non participatory group insurance product. The product leaflet is indicative of the terms, warranties, conditions and exceptions contained in the insurance policy. Please know the associated risks and the applicable charges from your master policyholder or the intermediary or the certificate of insurance of the insurer. HDFC Standard Life Insurance Company Limited.  Registration No.101. HDFC Ltd certified corporate Agent No: 1145517. You could join as a member in this plan.