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501, Cello Triumph,
I B Patel Road, Off W.E. Highway,
Goregaon (East), Mumbai - 400063
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GRUH has been recognized by National Housing Bank(NHB),the apex body for regulating the Housing Finance Industry in India. GRUH has been awarded the Certificate of Registration from NHB to carry out the housing finance business in India and also accept retail deposits from the public.
Non Cumulative - Monthly Plan
Non Cumulative - Quarterly Plan
Non Cumulative - Yearly Plan
SENIOR CITIZEN :
(Sr citizen's are entitled to get 0.25%additional interest.
this check box If have completed 60 years of age.)
GRUH Housing Finance a subsidiary of HDFC Ltd was incorporated on 21st July 1986 under the Companies Act 1956. The Company is engaged in the business of providing long term housing finance to Individuals / Company / Corporation / Society / Association of persons for construction / Purchase / Enlargement if residential houses / dwelling units anywhere in India. GRUH has been recognized by National Housing Bank(NHB),the apex body for regulating the Housing Finance Industry in India. GRUH has been awarded the Certificate of Registration from NHB to carry out the housing finance business in India and also accept retail deposits from the public.
Credit Rating:AAA+ by CRISIL & MAA+ by ICRA
Minimum Amount Under Cumulative Growth Plan:Minimum amount Rs 1000 and additional amount of deposits will be accepted in multiples of Rs 1000. Under Annual Income Plan & Quarterly Income PlanMinimum amount Rs 2000 and additional amount of deposits will be accepted in multiples of Rs 1000. Under Monthly Income PlanMinimum amount Rs 20000 and additional amount of deposits will be accepted in multiples of Rs 1000.
Maximum Amount : No Limit.
Premature Withdrawals After 3 months but before 6 months: No Interest
6 months but before the date of maturity: 2% less than the rate at which interest would have been ordinarily paid had the deposit been accepted for the period for which such deposit had run or if no rate is specified for that period, then 3% lower than the minimum rate at which the public deposits are accepted by GRUH<br/>
Cheque / Demand Draft Chq/ DD should be drawn on "GRUH FINANCE LTD" and crossed "Account Payee only”
Tax Deduction at Source
Income tax will be deducted at source from the amount of interest payment to the depositor in accordance with the provision of the Income Tax Act, 1961. At present tax is deductable if the aggregate amount of interest payment to a resident during a financial year exceeds Rs 5,000/-. However Income Tax will not be deducted if declaration in Form 15G/15H, in duplicate, as prescribed under the Income Tax Act, 1961.
Deposits Raising Limits
The amount of Public Deposits which the Corporation can raise under the Housing Finance Companies (NHB) Directions, 2010 is equivalent to 5 times of the net owned funds i.e. Rs. 85,741.20 crores whereas the total Public Deposits as on March 31, 2012 was Rs.28,203.79 crores. The amount of aggregate deposits, including Public Deposits, which the Corporation can raise is 16 times of the net owned funds i.e Rs.2,74,371.84 crores whereas the aggregate deposits as on March 31, 2012 was Rs.1,39,127.50 crores.<br/><br/>
Risk Factors The deposits are unsecured and rank pari passu with other unsecured liabilities of the Company
Please refer to the respective application form for detailed terms and conditions.
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