Avail Benefits In Every Sector Of Banking By Joining HCBL

This is the basic need of the day to have connection with such a financial agency which under stands you better.  All the needs of a common person are limited to have good banking procedure and humble treatment by the bank staff.

It will be your pleasure as well as our too if you have made a direct link with HCBL.  We are there with such a brilliant system of approach which will suit the needs of all persons.  Dealing with the customers of this bank is unique and after having relationship with this bank you will feel the difference.  Only electronic services are not everything, dealing pattern and treatment matters most for a customer.  In the premises of the bank, customer wants full attention by the bank and mannered dealing.  Yes, HCBL is there to cater for all you need.  Specialty of this bank will inspire you to get more and more facilities from here because, "Yeh Bank Zara Kuch Khas Hai".

Once you visited the bank, you will know that how joining HCBL is beneficial. You can get the benefits in each sector of the banking by joining HCBL.

Open account with HCBL and see:  You can get several benefits in having accounts with Tathastu HCBL.  Opening of saving bank account is quite easy as bank does not ask you tougher documentary evidences. If you have any type of accounts with this bank, first of all you will get peace of mind as the maintenance of accounts is very simple and crystal clear. Interests calculated according to the words spoken in advertisement and customer feels the true environment.  Passbook entries are always available and like other banks no specific day and time is fixed for passbook updating.

Easy loaning available for you:  In case a customer needs loan on various grounds, he/she can go ahead with easy steps.  Documentary proves are minimum and customer can afford them easily.  "On spot" verification system is adopted in HCBL.  In case a person needs home loan, the survey team of the bank will carry out survey with minimum inescapable requirements and submit its report to the competent authority of the bank for further action.  The re-payment system of the loan is also flexible.  One can return the home loan in 20 years.  Pause period, if any, is also calculated under the re-payment period.  No pre-payment penalty is forced on the customer.  It is quite possible that a person manage source of money and return the loan before the stipulated period.  Principle will reduce accordingly and the customer is not levied with any financial charges.

Soft dealing by the bank:  HCBL provides a friendly environment to its customers to feel the class dealing.  Routine transactions, even of smaller amount, are also accepted at bank.  This is cooperative bank and hence smaller transactions are also permitted.  This dealing provided a friendly atmosphere between customers and bank.

HCBL has made tradition to deal with the customers with a homelike treatment and thus the bank has won various awards since inception.  The awards for excellence are self explanatory regarding the working procedure and dealing softness in our premises.

Fulfill Your Business Needs with HCBL ‘Saral Loans'

Today in business there is always requirement of some amount of working capital for bearing its operating expenses and other daily needs of office. The business faces several ups and downs in its day to day life where it needs additional support for dealing with the situations.

In the season of recession when operating expenses of the business are more than income of the business, it becomes very essential to get some of the extra working capital to prevent the company from further loss. There are various finance companies which provide short term loans to the company to cover their loss in the period of recession and repay the same when the situations are under control.

Apart from various finance companies established, banks have also started the work of finance and benefitting people in their critical times. The finance services are more trustable and there are almost no chances default and fraud. One such Tathastu bank HCBL is famous for providing its great finance services.

The loan services provided by HCBL banks are very customer oriented and require only one guarantor unlike others. There are various kinds of loan for various purposes. All types of loan require simple formality comparatively others.

One such loan named as ‘saral loan' offered by banks especially for meeting the working capital requirements of businesses in their daily life. The requirements may be like purchase of equipments, furniture or for renovation and maintenance of building, show room, shops and any commercial purpose for carrying out business.

The eligible candidates are for individuals, proprietorships and partnerships in the shape of retailers, beauty parlors, repairing of articles, auto service, refrigerators, restaurant, canteen service / Tiffin services, grocery shops. There is need of permanent place for the business. The applicant must be of age between 21 years to 65 years.

The loan will be in the form of term loan or cash credit. The minimum amount of loan could be taken is rupees fifty thousands and the maximum amount of loan could be taken is rupees two lakh. The period of loan is usually three years.

The security accepted is fifty per cent of the amount of loan in the shape of the bank's term deposit and also the hypothecation of stocks or equipments etc. There is need of personal guarantee of at least one person acceptable to the bank. It requires very small processing fee of Rs 250. The inspection will be conducted by bank officials at regular intervals once in a month. They use to charge minimal expenses of rupees fifty.

This kind of loan has benefitted many of the small business in very best way and many of the problems of corporate have been solved. Business regularly requires some of the additional working capital for the meeting the additional expenses which comes along with sudden changes in the market. There is need to reimburse those expenses immediately with help of loan. HCBL has been satisfying its customers with its easy loan formalities and simple process. 

Loans Make Your Dream Come True, Don’t Forget HCBL In Need

The time has gone when asking loan was considered bad.  People prefer to make their own muscles rather than depending on other.  But changing is the rule of world.  Trends converted and people started paying importance to loans.  They felt that the loans are the best medium to make their dreams fulfill.  The conventional hesitation has slipped and various agencies have also emerged on the horizon of financial threshold.  Banks also started loaning facilities to their customers with some easiness. 

Earlier, the documentary evidences were kept stronger to ascertain the authenticity of the individual concerned but later the hard and fast ruling were liberalized some more and individuals were provided the easy conditions. 

Nature of bank: Like other banks HCBL also followed the same pattern of loaning with few additional steps.  First of all, it should be implanted in mind that the basic nature of the bank is based on the co-operatives.  A collection of the enthusiastic personalities is the face page of bank.  Series of efforts is not made by the bank officials only but this is the major gathering of likeminded persons who are our prestigious customers too.  We provide the loaning with simple processing.  All types of loans released by HCBL are based on the actual needs of the individual.  HCBL  Tathastu understands the needs of customer and that is why we sanction the applications of loan applicants on easy conditions.  All our functioning is based on the nature of co-operatives.  Though, the modernism is in our behaviors and working culture but the basic of banking theme is still based on co-operatives and will be.

Simplicity in releasing the loans: Without approaching the HCBL, it will not be possible to know for the esteemed customers that how flexible our loaning process is.  You just need to enter our premises and remaining things will be looked after in so easy manner that you won’t feel you are dealing with the bank.  No need to worry as we look modern like other banks but our system of approach will provide a better support to solve all your loan related problems.  Simplicity in submitting loan applications, only essential documentary requirement, only one guarantor and having a simple S/B account will suffice your entire requirement.  The processing time of loan applications is quite shorter and you can expect the loan on next week from the date of submitting the application provided that all the documents are produced before the bank in as required manner.

Quick dealing: As far as dealing pattern of HCBL is concerned, we can assure you that you will define the same is best. Time frame is formulated to discharge each and every task in the bank and the same is compiled with. Whether normal banking time or off hours, all the time punctuality is considered on top.  We understand the time is precious and this is the thing which is in short quantity with every individual. So we take care of precious time of our customers.

HCBL Coming Up With Excellent Its Bank Services

HCBL bank has been making its great contribution towards the development of banking services in India. Uttar Pradesh has seven of its branches and two of its extension centers for serving the peoples for number of its banking facilities.

This bank has been providing its banking services since august 2002 with its head office located at Luck now. This bank started with single room office has slowly established many of its branches in many of the branches in the cities and two extension centers.

This bank has been equipped with all the updated facilities of bank and has been satisfying its customers with its outstanding banking features. Some of its outstanding banking facilities include-

·         NEFT and RTGS transactions

·         Internet banking facilities

·         ATM sharing

·         E- lobby

·         Banking mall

Further all of its branches are fully computerized and are building up with very good infrastructure. RTGS and NEFT transactions have made banking so smooth that all the urgent transactions are possible to be done within same day with in short period of time.

With the help of online transactions facility, customers are able to carry on their transactions from any of their place and at any time. Now customers don’t need to delay their urgent transactions to wait for banking days and timings. Thus banking is possible from any of the place by customers.

With ATM sharing facility now the HCBL customers have more flexibility to use the ATM of other banks having tie ups with HCBL for ATM sharing like Axis and IDBI. Now the most of the problems of customer regarding cash withdrawal at any of the time will be solved and customers don’t have to wait for bank to open.

Through SMS banking facilities person can avail services like enquiry regarding last three transactions, account balance and requesting the cheque book. These have made banking very easier than before as previously people has to meet with so many documentary formalities which wastes most of their time.

HCBL is also known for their disciplined and well qualified staff members who are completely devoted to serve their customers in best possible manner. They work till the customer is fully satisfied with their services. For the suitability of customers various call centers are also opened where every kind of complain and problem of customers is listened and solved in every possible manner. Thus every activity of the bank is directed towards serving the customers in best way taking them as their main motive.

Further apart from core banking, HCBL stated serving many of the other services like insurance facility, tax consultancy, mutual fund selling, pan allotment, portfolio management and many more. Thus along with banking HCBL also provides financial services to the customers and having more interaction with their customers. Bank has entered in tie ups with SBI Life insurance and Bharti Axa General Insurance.

Thus under one roof we can get all banking as well as financial solution. This bank is being appreciated by RBI governor for its tremendous contribution in the field of banking. 

Loaning Options Of HCBL Are Well Designed And User Supporting

Loaning is the subjects that can fills some energy in the person as the desire is likely to be fulfilled.  Loaning is the support which helps a customer from getting rid of bad patches. After all the efforts made by individual, loaning becomes last option.  All the banks are competent to provide the loans but the terms and conditions of all the banks are different and may not suit the customer’s conditions.  A financial agency which provides the loaning in easier manner without hampering the actual financial circumstances of the customer, wins the heart of common public as through mouth publicity the system of approach reaches to others.

Some banks put harder conditions to provide the loan.  They need some guarantee but at HCBL, this fact is implanted in mind that if a person is asking a loan, he/she will not be able to provide a guarantee.  If the security amount would have been there, the individual didn’t need to ask the loan.  The rules have been formulated considering this fact.  To avail the benefits of easy loanings at Tathastu HCBL individuals are suggested to visit the official website of the bank and select the best ever plan.  All types of loan are quite easily available for the customers.

Home Loans:  Home loan policy of HCBL is quite easy.  The loan has named as ASHRAY.  This loan can be repaid in 20 years or so.  Terms and conditions are also easier according to the financial circumstances of the customer.  Banks knows that the importance of own shelter.  Many of the persons, who pass a long period of their lives on rent and not able to afford own house, to provide housing facility for such deprived persons, bank has a soft corner in its policies and provides loan on simple terms and conditions. 

Education loan:  HCBL also provide you the education loan.  Formalities to get the education loan are quite easier.  To provide educational boosts to the students, it is mandatory to have sound financial management, but to cater the increasing expenditure involved in studies; HCBL has designed a simple and easy education loan policy with simples re payment options.

Saral Loans: To cater for all the personal needs like office equipment, home appliances, business needs and likewise other small requirements, HCBL has designed better loaning schemes for the individuals.  Banks needs only simple documentary evidence against which only one guarantor is required.  This loan needs easier re-payment according to its designation “SARAL LOAN”.

 Car Loan: HCBL provides four wheeler loans to its customers on simple rates of interest.  Documentary evidences are required but the procedure is not too complicated.  Original documents of the vehicle will be the property of bank till the re-payment. Once the loan installments have been paid, the vehicle can be sold to any third party or transferred.

In simpler words, it can be said that HCBL loans are lighter to the customer as re-payment of the same is not burdensome. Customer base of HCBL is increasing rapidly. 

Opening of account in HCBL is better option

Having a bank account is not a status symbol. it has become the necessity of the day too.  Without having a saving bank account, it is quite difficult to maintain the financial balancing.  Routine expenses are due but a person wants some saving after all the expenditures.  This is only possible when a person has its saving bank account.  

Though, opening of a bank account is not a big job.  Some documentary evidences and initial amount is sufficient to open a bank account but still banks needs a tough formality and thus the person feel hesitation to open a bank account.  But the system of approach of HCBL is different.  Individual can not feel that he/she is dealing with the financial agency.  The level of treatment, designing of the official structure, level of treatment are quite user friendly.

System of approach:  HCBL has adopted its unique system of approach for all.  If a person wants a simple saving bank account or any person wants a big loan.  Treatment is equal for all customers.  The dealing pattern has been designed according to the work.  Cooperatives are the basis of the bank and due to this, nature of functioning is quite simple.  

In the premises of the HCBL, each customer is the most important person as he/she is giving the chance to the bank to serve in better manner.   Not only customers but employees posted at HCBL also feel well.  Amenities in the bank premises and to the customers are well planned and designed.  Bank understands the needs of the customers and thus all the policies have been framed accordingly.  

Technical infrastructure:  Presently the bank is serving with large caliber and has opened a number of branches in different cities of the country.  Inside the bank, all functioning is fully automated.  From normal monetary transactions to sanctioning of the loan, all process is automated.  Notification system has been adopted so that the customer can be informed at every transaction.  Notification system is also applicable for the persons having current account, saving account or loan account.  Monthly statement of the account can be asked on the e mail address.  To support the national drive to save ecology and to avoid paper work, an e-statement system has been formulated by the bank since inception.  

All the ATMs of the bank, have the communications with the user to not to ask for receipt after withdrawal to save the ecology.  Balance display on the screen or the message notification is there and this is getting due attraction of the customers.  People are advised to come and join HCBL whether as a customer or as an employee. 

Amenities: At the HCBL, one can make his/her dream come true.  The financial support is easy than your imagination.  Loaning on various grounds is possible through minimum documentary evidences.   The customer can re-pay the loan in easy manner and no pre-payment penalty is levied on the customers.  This is one of the big amenities provided by the HCBL.

What Are The Benefits Of Opening Account In PMJDY

PMJDY stands for Pradhan Mantri Jan Dhan Yojna.  This is one of the ambitious schemes of establishing sound financial system in the country.  This scheme is directly launched by the Prime Minister of the country and has a number of benefits.  Through this scheme, in coming years, each individual of the country will have a bank account and equipped with the latest financial technicality.  The basic and minimum inescapable requirement to participate in this scheme is any one of the identity proof. 

One should know the differences of opening of saving bank account under PMJDY or under normal bank procedures.

General Bank Account: If someone wants to open a bank account in any of the banks in the country, he/she will have to produce address and identity proves.   No relaxation will be provided by the bank with regards to the basic documentary requirements.  This bank account will be opened from minimum Rs. 1000/- and you will have to maintain the minimum balance.  In case you have withdrawn the amount through the ATM, you will be charged for the same.  Though, this account will provide you the identity too.  But some of the main differences between normal account and PMJDY are elaborated below:-

Ser	Under Normal banking system	Under PMJDY
(a)	Minimum amount: Rs. 1000.00	Minimum amount : Rs. Zero
(b)	Documentary requirement: Valid Address and Photo Identity Proof.	Documentary requirement:  AADHAR or any ID.  You can produce self attested letter in case the address has been changed.
(c)	Feature of small account: No	Feature of small account: Yes, if no documentary evidence is available. (You will have to produce the documentary proof within one year).
(d)	Accidental claim : No	Accidental claim : Rs. 100,000.00
(e)	Penal charges of not maintaining minimum balance:  Yes	Penal charges of not maintaining minimum balance:  No such charges are levied.
(f)	System of operation: Joint or Single	System of operation: Joint or single.
(g)	Nomination facility : Available	Nomination facility : Available

In any case, opening of a bank account with HCBL under PMJDY is quite beneficial.  Documentary proves are normally not held by the villagers and this scheme will help them a lot.  Easiest way has been adopted to open the bank accounts.  Reserve Bank of India also formulated crystal clear directives to all the banks to support this scheme.  To avail benefits of PMJDY it will be better to ask any bank to open their bank account.  In case of AADHAR card is not with the individual, he can get a certificate written by the ombudsman of the concerned village showing that the person is the resident of such village.  Voter identity card will also serve the purpose.  But need not to worry if you don’t have any of the identity proof.  You can give an undertaking in the bank to provide necessary documents in one year and you will be provided with a small saving bank account under PMJDY.  In case of accident, you can also get the accident claim of Rs. 100,000.00.

Opening of account in HCBL is better option

Having a bank account is not a status symbol. it has become the necessity of the day too.  Without having a saving bank account, it is quite difficult to maintain the financial balancing.  Routine expenses are due but a person wants some saving after all the expenditures.  This is only possible when a person has its saving bank account.  Though, opening of a bank account is not a big job.  Some documentary evidences and initial amount is sufficient to open a bank account but still banks needs a tough formality and thus the person feel hesitation to open a bank account.  But the system of approach of HCBL is different.  Individual can not feel that he/she is dealing with the financial agency.  The level of treatment, designing of the official structure, level of treatment are quite user friendly.

System of approach:  HCBL has adopted its unique system of approach for all.  If a person wants a simple saving bank account or any person wants a big loan.  Treatment is equal for all customers.  The dealing pattern has been designed according to the work.  Cooperatives are the basis of the bank and due to this, nature of functioning is quite simple.  In the premises of the HCBL, each customer is the most important person as he/she is giving the chance to the bank to serve in better manner.   Not only customers but employees posted at HCBL also feel well.  Amenities in the bank premises and to the customers are well planned and designed.  Bank understands the needs of the customers and thus all the policies have been framed accordingly.  

Technical infrastructure:  Presently the bank is serving with large caliber and has opened a number of branches in different cities of the country.  Inside the bank, all functioning is fully automated.  From normal monetary transactions to sanctioning of the loan, all process is automated.  Notification system has been adopted so that the customer can be informed at every transaction.  Notification system is also applicable for the persons having current account, saving account or loan account.  Monthly statement of the account can be asked on the e mail address.  To support the national drive to save ecology and to avoid paper work, an e-statement system has been formulated by the bank since inception.  All the ATMs of the bank, have the communications with the user to not to ask for receipt after withdrawal to save the ecology.  Balance display on the screen or the message notification is there and this is getting due attraction of the customers.  People are advised to come and join HCBL whether as a customer or as an employee. 

Amenities: At the HCBL, one can make his/her dream come true.  The financial support is easy than your imagination.  Loaning on various grounds is possible through minimum documentary evidences.   The customer can re-pay the loan in easy manner and no pre-payment penalty is levied on the customers.  This is one of the big amenities provided by the HCBL.