TABLE OF CONTENTS FOR PROJECT

REPORT

Sr.No. TOPIC Page No.

1. Introduction 6-7
2. company PROFILE 8-11
3. PRODUCT 11-34
4. OBJECTIVES 35-36
5. Swot analysis 37
6. Need for the study 38
7. competitor 38
8. Research Methodology 39
9. Data analysis and interpretation 39
11. Limitation 40
12. Suggestion 40
13. Conclusion 41-42
14. Bibliography 42

1
 EXECUTIVE SUMMARY
Training and development is the essential job of human resources
department of every organization. It is necessary to help employees
in dealing with the changes caused by the changing business
environment.

I, NIHAR RANJAN BEHERA had done my project in HDFC

BANK. which is a leading Bank in corporate industry. The main
objective of my project was to “Casa Account”.

The training design included departments, and their training

needs, month of training, sequence of training and methods of
training. A proper matrix was formed differently for each level
highlighting the requirements to be trained.

It also includes different skills workshop including the contents,

objectives of the skills imparted to the employees. Most important
in training process are the ice breakers and games which help the
trainees in feeling relaxed and refreshed.

Each level in organization was considered as separate entity and

training procedure for them was also different.

2
 Introduction OF CASA
Imagine a Bank Savings Account which comes with facilities like No limit on number of
Monthly Free ATM Transactions (including other banks ATM usage), No Annual Fees for Debit
Card, No Charges for Cheque Book, Free Demand Drafts and Pay Orders, Free Statement /
Passbook Facility, Free RTGS/NEFT Facility, Free Cheque Stop Payment Facility, Free Internet,
Mobile, Phone and ATM Banking and a list of other free services. You must be wondering that
we are joking. How can a bank offer all these services free of cost? Sounds unbelievable or too
good to be true right? But HDFC Bank has exactly done the unbelievable. HDFC Bank has
waived off the charges on a whole host of services for its Current Account / Saving Account
(CASA) customers. It has done away with lot of charges for its CASA Customers. So let us see
which are these services that HDFC Bank is offering its customers free of cost?

Services on Savings Accounts

HDFC Bank has waived off charges on different services for its current and savings account
holders. Most of these are frequently used services by bank customers for which other public
sector and private sector banks are charging their customers. As per the bank website the list of
services for which HDFC Bank has waived off charges for Super Savings Account is as
follows:

1. Account Opening Amount: A new account can be opened with HDFC Bank with any
amount ranging from Rs 10,000(ten thousand) .
2. The annual fee for the international Debit cum ATM Card.
3. The bank will also issue an additional card per account (in case of joint account) free of
cost.
4. Services like replacement of damaged / stolen / lost card / re-generation of pin are free of
cost.
5. Domestic / International ATM transactions are free. The bank doesn’t charge for other
banks ATM usage. Also there is no cap / limit on the number of free ATM transactions of
other Bank ATMs.
6. Cheque book facility is free. The bank will provide local / multicity (At-Par) cheque book
with the account
7. The bank will provide quarterly statement for existing customers free of cost. For new
customers passbook will be issued free of cost.
8. The bank will provide monthly statement by email free of cost
9. The customer can request for a duplicate statement at the branch free of cost. For this
other banks normally charge in the range of Rs 25 to Rs 100 for duplicate statement at the
branch.
10. Duplicate passbook will be issued free of cost.
11. The customer can also request for duplicate statement through Phone Banking or ATM
free of cost

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 12. The account can be closed by the customer free of cost. Some banks charge for account
closure if the account is closed within a specified time period of opening of the account.
For example some banks charge if the account is closed within 6 months or 1 year.
13. The standing instruction facility is free of cost
14. The customer can ask for a Balance Certificate or Interest Certificate or Signature
Verification certificate free of cost
15. The foreign inwards remittance certificate is free of charge
16. The bank will issue Demand Drafts or Pay Orders free of cost. For this service upto a
certain amount banks charge a fixed amount. Above a certain amount banks charge on a
per thousand rupees basis.
17. The bank will issue foreign currency demand drafts / international money orders free of
cost.
18. Any Branch Banking: Any branch cheque deposits and account to account transfers will
be free of cost
19. Any Branch Banking: Cash deposits will be 5 times without any service charges
20. Any Branch Banking: Cash withdrawal (done by self) will be free of cost
21. If a customer wants to give instructions for stop payment of a cheque, there will be no
charges for it.
22. If a customer wants to request old records / copies of paid cheques; he can do so without
any charges
23. Banking through alternate channels like Internet / Mobile / Phone and ATM Banking is
free of cost.

So that was the long list of services for which HDFC Bank has waived off service charges for its
CASA Customers. These services are normally charged for by other private sector and public
sector banks. The charges collected from these services form an important source of fee income
of a bank. One of the important charges that HDFC bank has kept out of the free service is the
return of a cheque or ECS (Electronic Clearing System) for financial reason. If a cheque bounces
/ dishonoured the customer will be charged for it. Similarly if a ECS is returned for financial
reason the customer will be charged for it.

Banking experts believe that the ratio of CASA (Current Account Saving Account) deposits to
overall deposits for HDFC Bank is very small compared to other banks like SBI, ICICI Bank and
AXIS Bank. For a bank CASA Deposit come at a lower cost compared to time / term deposits.
So in order to increase its share of CASA deposits IDFC Bank has done away with these service
charges.

4
 COMPANY PROFILE

The Housing Development Finance Corporation Limited (HDFC) was amongst the first to
receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the
private sector, as part of the RBI's liberalization of the Indian Banking Industry in 1994. The
bank was incorporated in August 1994 in the name of 'HDFC Bank Limited',with its registered
office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank
in January 1995.

•PROMOTER

HDFC is India's premier housing finance company and enjoys an impeccable track record in
India as well as in international markets. Since its inception in 1977, the Corporation has
maintained a consistent and healthy growth in its operations to remain the market leader in
mortgages. Its outstanding loan portfolio covers well over a million dwelling units. HDFC has
developed significant expertise in retail mortgage loans to different market segments and alsohas
a large corporate client base for its housing related credit facilities. With its experience in the
financial markets, a strong market reputation, large shareholder base and unique consumer
franchise, HDFC was ideally positioned to promote a bank in the Indian environment.

BUSINESS FOCUS

HDFC Bank's mission is to be a World-Class Indian Bank. The objective is to build sound
customer franchises across distinct businesses so as to be the preferred provider of banking
services for target retail and wholesale customer segments, and to achieve healthy growth in
profitability, consistent with the bank's risk appetite. The bank is committed to maintain the
highest level of ethical standards, professional integrity, corporate governance & regulatory
compliance. HDFC Bank's business philosophy is based on four core values – Operational
Excellence, Customer Focus, Product Leadership and People

5
CAPITAL STRUCTURE

The authorized capital of HDFC Bank is Rs550 crore (Rs5.5 billion).The paid-up capital
isRs424.6 crore (Rs.4.2 billion). The HDFC Group holds 19.4% of the bank's equity and
about17.6% of the equity is held by the ADS Depository (in respect of the bank's
AmericanDepository Shares (ADS) Issue). Roughly 28% of the equity is held by Foreign
Institutional Investors (FIIs) and the bank has about 570,000 shareholders. The shares are listed
on the StockExchange, Mumbai and the National Stock Exchange. The bank's American
Depository Shares are listed on the New York Stock Exchange (NYSE) under the symbol 'HDB'.

TIMES BANK AMALGAMATION

In a milestone transaction in the Indian banking industry, Times Bank Limited (another new
private sector bank promoted by Bennett, Coleman & Co./Times Group) was merged with
HDFC Bank Ltd., effective February 26, 2000. As per the scheme of amalgamation approved by
the shareholders of both banks and the Reserve Bank of India, shareholders of Times Bank
received 1 share of HDFC Bank for every 5.75 shares of Times Bank. The acquisition added
significant value to HDFC Bank in terms of increased branch network, expanded geographic
reach, enhanced customer base, skilled manpower and the opportunity to cross-sell and leverage
alternative delivery channels.

DISTRIBUTION NETWORK
HDFC Bank is headquartered in Mumbai. The Bank at present has an enviable network of over
1229 branches spread over 444 cities across India. All branches are linked on an online real-time
basis. Customers in over 120 locations are also serviced through Telephone Banking. The Bank's
expansion plans take into account the need to have a presence in all major industrial and
commercial centers where its corporate customers are located as well as the need to build a
strong retail customer base for both deposits and loan products. Being a clearing/settlement bank
to various leading stock exchanges, the Bank has branches in the centers where the NSE/BSE has
a strong and active member base. The Bank also has a network of about over 2526 networked
ATMs across these cities. Moreover, HDFC Bank's ATM network can be accessed by all
domestic and international Visa/MasterCard, Visa Electron/Maestro, Plus/Cirrus and American
Express Credit/Charge cardholders.

6
MANAGEMENT
Mr. Jagdish Capoor took over as the bank's Chairman in July 2001. Prior to this,
Mr. Capoor was a Deputy Governor of the Reserve Bank of India. The Managing
Director, Mr. Aditya Puri, has been a professional banker for over 25 years and
before joining HDFC Bank in 1994 was heading Citibank's operations in Malaysia.
The Bank's Board of Directors is composed of eminent individuals with a wealth of
experience in public policy, administration, industry and commercial banking.
Senior executives representing HDFC are also on the Board.

Senior banking professionals with substantial experience in India and abroad head
various businesses and functions and report to the Managing Director. Given the
professional expertise of the management team and the overall focus on recruiting
and retaining the best talent in the industry, the bank believes that its people are a
significant competitive strength.

TECHNOLOGY
HDFC Bank operates in a highly automated environment in terms of information technology and
communication systems. All the bank's branches have online connectivity, which enables the
bank to offer speedy funds transfer facilities to its customers. Multi-branch access is also
provided to retail customers through the branch network and Automated Teller Machines
(ATMs).The Bank has made substantial efforts and investments in acquiring the best technology
available
internationally, to build the infrastructure for a world class bank. The Bank's business
issupported by scalable and robust systems which ensure that our clients always get the finest
services we offer.

The Bank has prioritized its engagement in technology and the internet as one of its key goals
and has already made significant progress in web-enabling its core businesses. In each of its
businesses, the Bank has succeeded in leveraging its market position, expertise and technology to
create a competitive advantage and build market share.

BOARD OF DIRECTO

7
 Mr. Vasudev is a Director on the Boards of ICRA Management
Consultancy Services Limited, Uttarakhand Jal Vidyut Nigam Ltd., Star
Paper Mills Limited, Power Exchange India Ltd., ASA International India
Microfinance Pvt Ltd., Insync Advisory Services Private Limited, NSDL
Database Management Limited and Centinnial Development Advisory
Services Private Ltd. He is a member of Audit Committee and the Chairman
of Remuneration Committee of ICRA Management Consultancy Services
Limited and Chairman of Risk Management Committee of Power Exchange
India Ltd.
Mr. Vasudev does not hold equity shares in the Bank as on March 31, 2011.

Mr. Aditya Puri holds a Bachelor's degree in Commerce from Punjab University and is an
associate member of the Institute of Chartered Accountants of India. Mr. Aditya Puri has been
the Managing Director of the Bank since September 1994. He has about 37 years of banking
experience in India and abroad.

Prior to joining the Bank, Mr. Puri was the Chief Executive Officer of Citibank, Malaysia from 1992 to 1994.

Mr. Puri holds 3,37,953 equity shares in the Bank as on March 31, 2011

PRODUCT
HDFC Bank offers a bunch of products and services to meet the every need of the people. The
company cares for both, individuals as well as corporate and small and medium enterprises. For
individuals, the company has a range accounts, investment, and pension scheme, different types
of loans and cards that assist the customers. The customers can choose the suitable one from a
range of products which will suit their life-stage and needs.

For organizations the company has a host of customized solutions that range fromfunded
services, Non-funded services, Value addition services, Mutual fund etc. These affordable plans
apart from providing long term value to the employees help in enhancing goodwill of the
company.

8
The products of the company are categorized into various sections which are
as follows:
 Accounts and deposits.
 Loans.
 Investments and Insurance.
 Forex and payment services.
 Cards.
 Customer center.

PRODUCTS AND SERVICES AT A GLANCE

A.Accounts & Deposits

i. Regular Savings Account
An easy-to-operate savings account that allows you to issue cheques, draw Demand Drafts and withdraw cash.
Check up on your balances from the comfort of your home or office through Net Banking, Phone Banking and Mobile
Banking. Need money urgently? Withdraw cash from any of the 5,796 ATM centres spread across the country.

Features & Benefits

Wide network of branches and over thousand ATMs to meet all your banking needs no
matter where you are located.

Bank conveniently with facilities like NetBanking and MobileBanking- check your account
balance, pay utility bills or stop cheque payment, through SMS.

Never overspend- Shop using your International Debit Card that reflects the actual balance in
your savings account.

Personalised cheques with your name printed on each cheque leaf for enhanced security.

Take advantage of Bill Pay, an instant solution to all your frequent utility bill payments.
Instruct for payment over the phone or through the Internet.

9
 Avail of facilities like Safe Deposit Locker, Sweep-In and Super Saver facility on your
account.

Free cash withdrawals on any other Bank's ATM*

Free Payable-at-Par cheque book, without any usage charges.

Free Insta Alerts for all account holders for lifetime of the account.

Free Passbook facility available at home branch for account holders (individuals).

Free Email Statement facility.

ii. Savings Max Account

*.Welcome to a world of convenience. Presenting Savings Max account, loaded with maximum
benefits to make your banking experience a pleasure. By maintaining an average quarterly
balance of just Rs. 25,000/- you get a host of premium services from HDFC Bank absolutely free

Features & Benefits

Free unlimited transactions: Cash withdrawal and balance enquiry, at all HDFC Bank ATMs
& at all non HDFC Bank domestic ATMs using your HDFC Bank Debit Card

Free Titanium Royale Debit Card for primary account holder for lifetime of the account.
Titanium Royale Debit Card for other account holders at Rs 250/- p.a.

Free Woman's Advantage/International Debit Card for all account holders for lifetime of the
account.

Free Payable-at-Par chequebook, without any usage charges.

Free Demand Drafts on HDFC Bank locations, upto a limit of

Rs. 1 lac per day.

Self/Third Party Cash Deposit/Withdrawal at non-home branches, upto Rs 50,000/- per day

10
 free. Above Rs 50,000 a charge of Rs 2.90 per thousand on the full amount would be
applicable.

Optional "MoneyMaximizer" (sweep- out) facility for conversion of your surplus money into
high earning fixed deposits, at the threshold of Rs.1,25,000/- . In the event of the balance in
SavingsMax account exceeding / reaching Rs.1,25,000/-, the amount in excess of
Rs.1,00,000/- will be swept out in to a Fixed Deposit with a minimum value of Rs.25,000/-
for a 1year 1day period *

Free BillPay & InstaAlerts for all account holders for lifetime of the account.

Free Monthly Statement of Account.

50% off on the Locker rental for the 1st year only.

Folio maintenance charges on Demat account free for first year.

Free NetBanking, PhoneBanking & MobileBanking.

Free Passbook facility available at home branch for account holders (individuals).

Free Email Statement facility .

Special Privileges

Insurance Benefits (applicable from 1st Aug 09)

 Enjoy an Accidental Hospitalization cover of Rs. 1 lac per annum on your SavingsMax
account.

 You can also claim daily cash allowance* at Rs.1,000/- per day for a maximum of 15 days
per year, for each day of hospitalization due to an accident.

 This is a re-imbursement cover, extended only to the first holder of the SavingsMax
account.
 It would be applicable after the completion of the 1st calendar quarter, post the quarter of
a/c opening.
Eg. If the SavingsMax a/c is opened in August 2009, the insurance benefit will apply only
from January 2010.

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 For the claim to be accepted & processed, the first holder of the SavingsMax account
should have fulfilled the below 2 conditions -
 Maintained an Average Quarterly Balance of Rs. 25,000/- (irrespective of enjoying the
benefit of a zero balance account with a Fixed Deposit of minimum Rs. 1,00,000/-) in the
calendar quarter previous to the quarter of the date of accident.
 Should have done at least 1 purchase - point of sale (POS) transaction at a merchant
establishment using the Debit Card in the previous 3 months before the date of accident

iii. Senior Citizens Account

HDFC Bank appreciates your needs and endeavours, which is why, we present an account
especially dedicated to you, which like a dutiful child will help you fulfill your needs in the best
manner possible.

Features & Benefits

Given below are some of the exclusive privileges you can look forward with the Senior Citizens
Accounts

Shop with pride with your EasyShop International Debit Card offered free for life to the first
applicant. Shop (Point Of Sale limit) upto Rs.25,000/- per day.

Enjoy cash withdrawal limit of Rs.25,000/- per day on the Debit Card for withdrawals at any
HDFC Bank ATM.
Note: If the first applicant is a woman and new to the bank, our special Woman's Advantage
Debit Card with ATM cash withdrawal limit Rs.25,000/- per day and shopping (Point Of
Sale) limit of Rs.40,000/- per day will be issued free by default.

Free cash withdrawals on any other Bank's ATM*

Payable-at-Par (PAP) chequebooks are issued free. With this facility, outstation cheques
issued by you (for clearing) will be treated as local cheques, at any HDFC Bank location.
What's more, there are no usage charges for availing the PAP facility.

Keep a close eye on your account with the monthly account statements offered free OR

12
 Avail of free Passbook facility at your account branch.

Use the third party cash transaction facility at non-account branches, to have your near and
dear ones deposit / withdraw cash upto Rs.50,000/- per day on your behalf for free. Above Rs
50,000 a charge of Rs 2.90/- per 1000 on the full amount would be applicable.

Use our PhoneBanking, MobileBanking and NetBanking facilities offered free to reach us
with ease.

Avail free SMS alerts to know the transactions in your account.

Free Email Statement facility

National Electronic Funds Transfer facility available.

Special offers and benefits:

Get preferential rates on FDs

Special offers on new Demat Accounts #

 Annual Maintenance Charge (AMC) waived off for the first year
 50% AMC from second year onwards
 Dematerialisation of physical shares free for lifetime

# The offer is applicable only for the 1st Demat account linked to the Senior Citizens Savings
Account

Special offers on new Online Trading Accounts

 Account opening charges Rs.499/- only

 5 trades free .Valid for the next 3 months from the date of account opening

Gold Credit Card free*

Travellers’ Cheques issued free

Insurance Benefits* :

13
 Get Accidental Hospitalisation cover of Rs.50,000/- per annum. This is a reimbursement
cover for the first applicant.

You can also claim daily cash allowance* once a year (at Rs.500/- per day for a maximum of
15 days per year) for each day of hospitalisation due to an accident.

All you need to do is use your HDFC Bank Debit Card at a Merchant Establishment for
purchase transactions !

Your claim will be processed only if you have used your HDFC Bank Debit Card for
purchase at a Merchant Establishment at least once in the previous 6 months from the month
of your accident.

iv. Kid's Advantage Account

Children these days are way ahead of their times. Make sure your investments don't fall
short.

Now through HDFC Bank's Kid's Advantage Account you can ensure your child's
secured future and fulfill all his dreams in time. The Kid's Advantage Account presents
you a great way to accumulate savings for your child and provide him the head-start
required to succeed in life. It's an account which grows with your child to meet his
future monetary requirements.

Features & Benefits

For their Growing Needs

Free Education Insurance cover of Rs. 1,00,000/- in the event of death of the parent /
guardian through vehicular accident by road, rail or air to safeguard the future of your child.

ATM/International Debit Card will be issued for children between 7-18 years of age in the
child's name with your permission. The amount your child is able to withdraw is Rs. 2,500/-
at ATMs and spend Rs. 2,500/- at merchant locations per day.

14
 Free cash withdrawals on any other Bank's ATM*

1 free Personalised cheque book for your child.

Monitor the transactions of your child's account with the free quarterly physical statement of
account or free monthly Email Statement of account.

Free NetBanking for you to monitor your child's account.

Free SMS/Email alerts informing you about the account transactions.

For their Secured Future

Standing Instruction to transfer any amount from your account to your Kid's Advantage
Account every month (Minimum value = Rs. 1,000/- & Minimum tenure = 1 year)
(Mandatory).

Once the balance in the Kid's Advantage Account reaches/exceeds Rs. 35,000/-, the amount
in excess of Rs. 25,000/- will automatically be transferred into a Fixed Deposit for 1 year 1
day, in your child's name, by signing in for our MoneyMaximizer (sweep-out) facility.

You can also opt for systematic investments in mutual funds from the Kid's Advantage
Account in your child's name

v. Plus saving Account

Introducing the best banking option for you with HDFC Bank Savings Plus Account. Now you
can get access to some of the finest banking facilities with HDFC Bank's Savings Plus Account.
All you have to do is maintain an Average Quarterly Balance of Rs. 10,000/- and experience the
benefits as mentioned below:

Features & Benefits

15
 Wide network of branches and over thousand ATMs to meet all your banking needs no
matter where you are located.

Free cash withdrawals on any other Bank's ATM*.

Free International Debit Card for all account holders for life time of the account.

Free Payable-at-Par chequebook, without any usage charges.

Free Demand Drafts on HDFC Bank locations, upto a limit of 25,000/- per day.

Free BillPay & InstaAlerts for all account holders for lifetime of the account

Free Electronic Funds Transfer facility, NetBanking, PhoneBanking & MobileBanking

Special relationship discount on purchase of Gold Bars

25%-off on the Locker rental for the 1st year (only).

Intercity Banking / Multi-city Banking.

Free Passbook facility available at home branch for account holders (individuals).

Free Email Statement facility.

vi. Salary account

The HDFC Bank Payroll Account comes with the following features:

Features & Benefits

Zero Balance Account

Nil Interest payout on account balance

Free International Debit Card with cash withdrawal limit of Rs. 25,000/- per day and Point

16
 Of Sale usage limit of Rs.40,000/- per day

Personal Accident Death Cover of Rs. 2,00,000/-*

Half yearly account statements

Free Monthly Account Statements by email (optional)

Free Passbook facility available at home branch for account holders

Free InstaAlert Facility.

Free NetBanking, PhoneBanking, MobileBanking.

Branch transactions at Rs. 60/- per transaction

i. Regular Current Account

A Current account is ideal for carrying out day-to-day business transactions. With the HDFC
Bank Regular Current Account, you can access your account anytime, anywhere, pay using
payable at par cheques or deposit cheque at any HDFC bank branch. It also facilitates FREE
NEFT transactions & FREE RTGS collections for faster collections in your account. Regular
Current Account requires you to maintain an average quarterly balance of only Rs. 10,000.

With a vast network of branches in cities all over the country, and access to a multitude of
ATM's, you can keep track of all your transactions anytime.

Features & Benefits

Convenient inter-city banking :

Free anywhere cheque payment

Free payments and collections through NEFT

Free RTGS collection. RTGS payment @ Rs.25/- per transaction

17
 Inter-city Account to accounts funds transfer between HDFC Bank accounts at a nominal
charge of Rs.15/- per transactions

Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- at flat cost
of Rs.40/-. DDs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- .

Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of
Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- .

Payable at par cheque book at nominal price.

Register for InstaAlert service and receive updates on your account as and when the select
transaction happens - all this without visiting the branch or ATM!

HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and
hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will
arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a
reputed agency.

Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking that helps you
check your balance & transaction details, find out the status of your cheque or stop cheque
payment

i. Max Current Account

Presenting maximum benefits and minimum hassles for you with Max Current Account! With a
Rs. 5 lakhs average quarterly balance requirement, we present to you a world of privileges that
helps your business expand and grow. Features like maximum free transaction limits including
other beneficial features on this current account truly enhances your business potential to the
Maximum.

Features & Benefits

Maximum transactional benefits with faster mobilisation of funds

Average quarterly balance requirement of Rs. 5,00,000/-
Access to more than 2000 branches
Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds
transfers, NEFT, RTGS or Demand Draft / Pay Order

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 Faster collection of outstation cheques
Free Account to Account funds transfer between HDFC Bank accounts
Free payment and collection through RTGS
Free payment and collection using NEFT
Free Demand Drafts which can be issued from any HDFC Bank branch
Free Pay Orders which can be issued from any HDFC Bank branch
Free anywhere cheque collection (through clearing) upto Rs. 3.5 Crore per month within
HDFC Bank branch network (except Dahej)
Faster collection of outstation cheques through Speed Clearing. What's more Speed Clearing
is absolutely free with MAX Current Account
500 "At Par" cheque leaves per free month . Free at par cheque payments across all HDFC
Bank locations for unlimited value*
Convenience to withdraw and deposit cash at all our branches*
Free cash deposit upto Rs. 50 Lakh per month across all home branches (subject to a
maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash deposit
at a non home branch). What's more, Cash Deposit at HDFC Bank branches in other cities is
also free upto Rs.3 lacs per month*
Register for InstaAlert service and receive updates on your account as and when the select
transaction happens - all this without visiting the branch or ATM!
HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and
hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will
arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a
reputed agency.
Enjoy facilities like 24-hour PhoneBanking, NetBanking and InstaQuery that helps you
check your balance and transaction details, find out the status of your cheque or stop cheque
payment

ii. Trade Current Account

In today's changing business requirements, you need to transfer funds across cities, and time is of the essence.
HDFC Bank Trade Current Account gives you the power of inter-city banking with a single account.

From special cheques that get treated at par with local ones in any city where we have a branch, to free account to
account funds transfer between HDFC Bank accounts, to free inter-city cheque collection (through clearing) of up to
Rs. 35 lakhs per month, our priority services have become the benchmark for banking efficiency. Trade Current
Account requires you to maintain an average quarterly balance of Rs. 40,000

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Read on to know the powerful features of the HDFC Bank Trade Current Account.

Features & Benefits

Free Account to account funds transfer between HDFC Bank accounts.

Free RTGS/NEFT Transactions.

Free up to 30 Demand Drafts (DD) per month and can be issued from any HDFC Bank
Branch.

Free up to 30 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch.

Free anywhere cheque collection within HDFC Bank branch network (except Dahej), up to
Rs.35 lacs per month.

Free Outstation Cheque Collection through Speed Clearing (for instruments with value upto
Rs. 1 lac).

Convenience to withdraw & deposit cash at all our branches*

200 "At Par" cheque leaves per free month . Free at par cheque payments across all HDFC
Bank locations for unlimited value*

Free Cash Deposit upto Rs.5 lacs per month* across all HDFC Bank Branches in your city.

Register for InstaAlert service and receive updates on your account as and when the select
transaction happens - all this without visiting the branch or ATM!

HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and
hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will
arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a
reputed agency.

Enjoy facilities like 24-hour PhoneBanking, NetBanking and InstaQuery that helps you
check your balance & transaction details, find out the status of your cheque or stop cheque
payment

20
 iii. Premium Current Account
Your business needs a partner who can manage your finances while you concentrate on growing
your business.

You can avail benefits of inter-city banking account with Premium Current Account, that
requires an average quarterly balance of only Rs. 25,000, offers Payable-At-Par cheque book
facility & FREE inter-city clearing transactions across our network up to Rs.15 Lacs per month.

A Current Account with the benefits of accessing your account from a large network of branches,
and through direct access channels - the phone, mobile, Internet and through the ATM.

Enter into a profitable relationship and access all the privileges flowing your way.

Features & Benefits

Free anywhere collection & payment within HDFC Bank branch network (except Dahej), up
to Rs.15 lacs per month, incremental amount to be charged @ Rs.1.50 per Rs.1,000/-, min
Rs.25/-

Free NEFT Transactions.

Free RTGS collection. RTGS payment @ Rs.25/- per transaction.

Free Inter-city Account to accounts funds transfer between HDFC Bank accounts.

Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- at flat cost
of Rs.40/-. DDs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can
be issued from any HDFC Bank Branch .

Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of
Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can be
issued from any HDFC Bank Branch .

100 "At Par" cheque leaves free per month

21
 Register for InstaAlert service and receive updates on your account as and when the select
transaction happens - all this without visiting the branch or ATM!

HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and
hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will
arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a
reputed agency.

Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking to access your
account.

iv. Apex Current Account

The top position is always the coveted position. With the Apex current account, take your
business to a new high. On maintaining an average quarterly balance of Rs. 10 lakhs, this
account makes sure you make the most of every business opportunities coming your way.
Unlimited, free, anywhere Banking experience at the APEX is reserved for you.

Features & Benefits

Maximum transactional benefits with faster mobilisation of funds

Average quarterly balance requirement of Rs. 10,00,000/-
Access to more than 2000 branches
Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds
transfers, NEFT, RTGS or Demand Draft / Pay Order
Faster collection of outstation cheques through Speed Clearing. What's more Speed Clearing
is absolutely free with Apex Current Account.
Free Intercity Cheque Collection & Payments within HDFC Bank Network (excluding
Dahej).
Free Account to Account funds transfer between HDFC Bank accounts.
Free payment and collection through RTGS
Free payment and collection using NEFT
Free Demand Drafts which can be issued from any HDFC Bank branch
Free Pay Orders which can be issued from any HDFC Bank branch
Convenience to withdraw and deposit cash at all our branches*
Free Cash Deposit upto Rs. 100 lacs per month across all home branches (subject to a
maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash deposit

22
 at a non home branch). What's more, Cash Deposit at HDFC Bank branches in other cities is
also free upto Rs.5 lacs per month*
500 free Payable At Par cheque leaves per month
Register for InstaAlert service and receive updates on your account as and when the select
transaction happens - all this without visiting the branch or ATM!
HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and
hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will
arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a
reputed agency.
Enjoy facilities like 24-hour Phone Banking, Net Banking and InstaQuery that helps you
check your balance and transaction details, find out the status of your cheque or stop cheque
payment

B. Loans
i. Personal Loans

ii. Home Loans

iii. Two Wheeler Loans

iv. New Car Loans

v. Used Car Loans

vi. Overdraft against Car

vii. Express Loans

viii. Loan against Securities

ix. Loan against Property

x. Commercial Vehicle Finance

xi. Working Capital Finance

xii. Construction Equipment Finance

xiii. Offers & Deals

xiv. Customer Center

C. Investments & Insurance

23
 i. Mutual Funds
ii. Insurance
iii. Bonds
iv. Financial Planning
v. Knowledge Centre
vi. Equities & Derivatives
D. Forex Services
i. Trade Finance

ii. Travelers’ Cheques

iii. Foreign Currency Cash

iv. Foreign Currency Drafts

v. Foreign Currency Cheque Deposits

vi. Foreign Currency Remittances

vii. Cash To Master

viii. ForexPlus Card

E. Payment Services
i. Net Safe

Verified by Visa (VBV)/ MasterCard SecureCode is a service from Visa/ MasterCard and HDFC
Bank that lets you shop online securely with your existing Visa/ MasterCard Debit and Credit
cards.

Verified by Visa (VBV)/ SecureCode provides you with a password to protect your online
transactions just like you use your PIN at the ATM.

Important note: Register for Verified By Visa(VBV)/ SecureCode for enhanced security and to
avoid decline of your Credit/Debit Card internet transactions.

How can I use Verified by Visa (VBV)/ SecureCode?

Select the goods and services you want from the merchant site and proceed to the payment
page.
Enter your HDFC Bank Visa/MasterCard Card number and the online store will connect with
HDFC Bank to check whether your card is secured with Verified by Visa (VBV)/
SecureCode.
HDFC Bank initiates a Verified by Visa (VBV)/ SecureCode pop up window on your

24
 computer screen that includes your personal message.
Look for, and confirm your personal message, then enter your password. HDFC Bank will
then confirm your identity to the merchant

ii. Bill Pay

Now, you have the luxury of paying your bills at your convenience through Internet, ATMs or
your telephone. Types of bills
1) Telephone bills
2) Electricity bills
3) Insurance premium etc

BillPay has made all your bill payments easy.

Key Benefits

Convenience at its best

No more queues
No more cheques
No more late payment
No more payment to agents
No more lost bills

A variety of payment modes available -

1) ATMs
2) NetBanking
3) PhoneBanking

Payments can be made right up to the due date.

Check your bill amount before you make any payments - ensuring you pay the exact amount

25
 you wish to.

Receive discount from specific billers on payments made through BillPay. Discounts will be
provided in the next month's bills.

iii. Direct Pay

Ever thought of shopping without cash or card? Does online shopping unnerve you? Now, with
HDFC Bank's Direct Pay facility, you can dare to. No more carrying cash, no cheque, not even
a Debit Card or a Credit Card. All you need is your HDFC Bank Savings/Current Account.

A simple and secure process

Shop online on any websites offering HDFC Bank's Direct Pay facility.

Select the products that you would like to purchase.

In the checkout process, select HDFC Bank's Direct Debit / NetBanking as your option.

Authorise the transaction using your Customer ID & NetBanking password.

The purchases are debited directly to your account and credited to the account of the
establishment (or the website where the purchases were made).

However, shopping is not the only option that you have. You can also purchase railway tickets,
pay your telephone, mobile and insurance premium online.

If you are a resident of Hyderabad or Secunderabad, it gets even better. Thanks to the bank's tie-
up with Eseva, a unique integrated service launched by the government of Andhra Pradesh, you
can now pay your electricity, water bills and municipal taxes (telephones to be introduced
shortly) using the Direct Pay option. The most important aspect of this service is that the
payments made are updated in the database of the utility companies on an online and real-time
basis

26
 iv. Visa Money Transfer
HDFC Bank brings to you Visa CardPay - a facility through which you can now transfer funds to
any Visa Credit Card within India at your own convenience through HDFC Bank's NetBanking
facility.

Key Benefits
Transfer funds from your account to any Visa Credit Card within India.
Convenience at its best - No queuing up at Bank branches or waiting for your DD to be
delivered at your home/office!
Transfer money at "negligible cost'' in much faster, safer & easier way!

Transferring money - a simple and convenient process

Process for doing the transaction if you are registered for Third Party Funds Transfer:
Log on to NetBanking page on hdfcbank.com
Enter your Customer ID and Password
Go to Third Party Funds Transfer and select Visa CardPay
Enter Transfer details- Sender and Recipient Information
Confirm transaction
Credit to beneficiary's card

Your account will be debited online, and the funds will be sent to the beneficiary Bank within 2
working days using the Visa system. The Beneficiary Bank will then transfer the funds to the
beneficiary's card account

F. Access Your Bank

i. Insta Alerts
Just register for our InstaAlert service and receive updates on your account as and when the
select transaction happens - all this without visiting the branch or ATM!

You can register for any or all of the following alerts:

Debit transactions greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000
Credit in account greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000
Account Balance below Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000-

27
 Weekly account balance
Salary Credits*
Utility bill payment due Alert**

ii. Mobile Banking

Your Mobile is now your bank! Now access your bank account and conduct a host of banking
transactions through your mobile, with our unique MobileBanking service.You can check your
account level information such as balance details, mini statement, cheque status as well as carry
out financial transactions such as Funds Transfer using HDFC Bank MobileBanking service.

What can I do using HDFC Bank MobileBanking ?

Using our MobileBanking service, you can avail of a host of features at your finger tips
Perform funds transfers *
Get your balance details
Obtain your last 3 transaction details
Request a cheque book
Stop a cheque payment
Enquire cheque status
Request an account statement
Get Fixed Deposit details
Request for I-PIN generation
Request a cheque book

iii. ATM
With wide spread network of 5,796 ATMs across India, enjoy the following benefits at your
convenience.

24-hour access to Cash - Withdraw up to Rs.15, 000/- per day on your ATM Card and up to
Rs. 25,000 on your Debit Card. To know more click here.

Personalised Cash Withdrawals – Save time on your cash withdrawal transactions by pre-
setting your preferred language / account / amount.

View Account Balances & Mini-statements - Get details of the last 9 transactions on your

28
 account with the mini-statement, along with your account balance.

Change ATM PIN - Change your ATM PIN at any given point in time.

Order a Cheque Book / Account Statement

HDFC Bank Credit Card Payment - Make payment of your HDFC Bank Credit Card dues
using the ATM. The primary account of your Debit / ATM card will be debited.

Deposit Cash or Cheques - Deposit Cash or Cheques into your account without visiting the
Branch. Available at Non-Branch HDFC Bank ATMs.

Transfer Funds between accounts – Transfer money between your accounts. Both accounts
must be linked to your ATM / Debit Card. Maximum of 16 A/cs (Savings / Current) can be
linked to a card.

Refill your Prepaid Mobile – Refill your prepaid mobile using Prepaid Mobile Refill
service instantly. To know more about Prepaid Mobile Refill

Pay your Utility Bills - Pay your mobile, telephone and electricity bills through the ATM
using BillPay, a comprehensive bill payments solution. To know more about Bill Pay

Cheque Status Enquiry - Get information about status of the cheque issued from your
account.

NetBanking Password Request – Request for your NetBanking Password (IPIN) and the
same will be dispatched to your recorded mailing address

iv. Phone Banking

Your phone is now your bank!

PhoneBanking services are a combination of IVR and Agent offering, depending on the type of
transaction. For all transactions that cannot be completed on the IVR such as reporting loss of
cards, logging complaints, requests & queries, PhoneBanker-assisted services are available.

Avail of the following services via PhoneBanking:

29
Check your account balance - Get up-to-the-second details of your Savings or Current
Accounts and your Fixed Deposits. You can also get the details of the last 5 transactions on
your account, or have a mini statement of last 15 transactions faxed across to you.

Enquire on the cheque status - You can use PhoneBanking to check on the status of
cheques issued or deposited from anywhere in India.

Order a Cheque Book / Account Statement - Just call PhoneBanking and get your Cheque
Book or latest Account Statement delivered at your doorstep.

Stop Payment - Stop payment of a single cheque or a series of cheques, 24 hours a day.

Loan Related queries - Get details of the outstanding loan amount, enquire about your loan
account, request for an interest certificate and repayment schedule, etc. Just call
PhoneBanking in your city, select your preferred language and dial 4 to speak to our
PhoneBanker.

Demat Related Queries - Get details of Account holding, Transaction details, ISIN Number
of a scrip, status of Depository Slips, Client Master list details, Charges for the account and
others. Call PhoneBanking in your city, select your preferred language & dial 5 to speak to
our PhoneBanker.

Open a Fixed deposit *#- Talk to our PhoneBanker to open a Fixed Deposit over the phone,
by simply authorising a transfer of funds from your Savings Account.

Transfer Funds between accounts*# - You can also transfer money from one of your
accounts to another. Both accounts must be linked to your Customer ID. You can transfer
amounts upto Rs 1 Lac in a single day.

Pay your bills - Pay your cellular, telephone, electricity bills through PhoneBanking using
BillPay, a comprehensive bill payments solution. Know more about BillPay.

Re-generation requests for ATM / Debit card PIN / NetBanking IPIN,etc - Call
PhoneBanking in order to regenerate your ATM / Debit card PIN / NetBanking IPIN,etc.

Report loss of your ATM / Debit / Prepaid Card - If your ATM / Debit / Prepaid Card is
lost, call any PhoneBanking number to hotlist / block your card(s).

30
 Learn about all our other products - Get details on HDFC Bank products & services by
talking to our PhoneBanker.

Enquire about latest Interest / Exchange rates - Get latest Interest rates on Deposits and
Foreign Exchange rates by talking to our PhoneBanker.

Request a Demand Draft / Manager's Cheque #** - Call PhoneBanking and get a Demand
Draft / Manager's Cheque delivered to your doorstep.

G. Cards

i. Silver Credit Card

ii. Woman's Gold Credit Card
iii. Platinum plus Credit Card
iv. Titanium Credit Card
v. Value plus Credit Card
vi. Health plus Credit Card
vii. HDFC Bank Idea Silver Card
viii. HDFC Bank Idea Gold Card
ix. Compare Cards
x. Transfer & Safe
xi. Track your Credit Card
xii. Debit Cards
xiii. Easy ShopInternational Debit Card
xiv. Easy Shop Gold Debit Card
xv. Easy ShopInternational Business Debit Card
xvi. Easy ShopWoman's Advantage Debit Card

31
 Required Documents

The extent of documentation required to open a Account may vary

according to your relationship with the institution. If you plan to open a
demat account with a bank, a savings account holder has an edge over the
non-account holder. In fact, banks usually offer additional incentives to
customers who open a CASA account with them. Along with the application
form, your photographs (with co-applicants) and proof of
identity/residence/date of birth have to be submitted. The DPs also ask for a
DP-client agreement to be executed on non-judicial stamp paper.
Here is a broad list (you won’t need all of them though):

 PAN card
 Voter’s ID
 Passport
 Ration card
 Driver’s license
 Photo credit card
 Employee ID card
 Bank attestation
 IT returns
 Electricity/ Landline phone bill
 A check of min. Rs 10,000/- OR CASH

OBJECTIVES OF RESEARCH:
PROBLEM DEFINATION:

Sales Executives were with good background human being and through rigorous process of
recruitment but still not able to perform up to the expectation level of company, HR is not able to
sort out the problem why the performance is not coming even after giving the full marketing

32
support. The communication technique and dealing with the customers is also a problem to the
sales executives.

PRIMARY OBJECTIVES:

 To open new savings accounts by convincing customers and to promote the

benefits of those which are provided by the bank.
 To find the different way of convincing customers.
 To study brand image of the bank.
 To increase the business of the bank

SECONDARY OBJECTIVES:

 To determine the need and purpose of a sales executive.

 To understand the deciding criteria for people to become sales executive.
 To offer suggestions based upon the findings

GEOGRAPHICAL SCOPE:

The same problem was with the all other branches of HDFC Bank even out of the Bhubaneswar
city. The management is conducting the same research on a big ground while my contribution is
tiny. Though my sample size and geographical area was defined and confine to a particular
territory but the application of out put from the research are going to be wide.

33
 SWOT ANALYSIS
Strengths : -
1. Right strategy for the right products.
2. Superior customer service vs. competitors.
3. Great Brand Image.
4. Products have required accreditation.
5. High degree of customer satisfaction.
6. Good place to work
7. Lower response time with efficient and effective service.
8. Dedicated workforce aiming at making a long-term career in the field.

Weakness : –
1. Some gaps in range for certain sectors.
2. Customer service staff need training.
3. Processes and systems, etc
4. Management cover insufficient.
5. Sectoral growth is constrained by low unemployment levels and competition for staff

Opportunities : –
1. Profit margins will be good.
2. Could extend to overseas broadly.
3. New specialist applications.
4. Could seek better customer deals.
5. Fast-track career development opportunities on an industry-wide basis.
6. An applied research center to create opportunities for developing techniques to provide
added-value services.

Threats : -
1. Legislation could impact.
2. Great risk involved
3. Very high competition prevailing in the industry.
4. Vulnerable to reactive attack by major competitors.
5. Lack of infrastructure in rural areas could constrain investment.
6. High volume/low cost market is intensely competitive

34
 NEED OF THE STUDY

The need of the study arises because of the reason that a trainee must understand the
company, its achievements and tasks, products and services and also to collect
information about its competitors, its products and services offered. So that, after
understanding and collecting information about the organization and its competitors, a
trainee will be able to work well for the organization. From the study I have learned very
much, about the company as well as the strategy of the customers, which helps me a lot at
my working days.

Competition
Name Last Price Market Net Net Profit Total
Cap. Interest Assets
(Rs. cr.) Income
ICICI Bank 1,024.00 117,941.49 25,974.05 5,151.38 363,399.71
HDFC Bank 2,332.00 108,490.63 19,928.21 3,926.39 277,352.61
Axis Bank 1,249.00 51,322.60 15,154.81 3,388.49 242,713.37
Kotak 439.50 32,385.51 4,303.56 818.18 37,436.31
Mahindra
IndusInd Bank 253.10 11,793.70 3,589.36 577.32 35,369.52
YES BANK 287.50 9,980.48 4,041.74 727.13 59,007.00
Federal Bank 434.25 7,424.14 4,052.03 587.08 43,675.61
Karur Vysya 386.75 4,522.65 2,217.69 415.59 21,993.49
JK Bank 835.85 4,052.02 3,713.13 615.20 50,508.15
ING Vysya 321.05 3,884.28 2,694.06 318.65 33,880.24
Bank

35
 RESEARCH METHODOLOGY
All the findings and conclusions obtained are based on the survey done in the working area
within the time limit. I tried to select the sample representative of the whole group during my job
training. I have collected data from people linked with different profession at Bhubaneswar.

RESEARCH PLAN:
 Preliminary Investigation: In which data on the situation surrounding the problems
shall be gathered to arrive at
 The correct definition of the problem.
 An understanding of its environment.
 Exploratory Study: To determine the approximate area where the problem lies

RESEARCH DESIGN:

Research was initiated by examining the secondary data to gain insight into the problem.
By analyzing the secondary data, the study aim is to explore the short comings of the present
system and primary data will help to validate the analysis of secondary data besides on
unrevealing the areas which calls for improvement.

DEVELOPING THE RESEARCH PLAN:

The data for this research project has been collected through self Administration. Due to
time limitation and other constraints direct personal interview method is used. A structured
questionnaire was framed as it is less time consuming, generates specific and to the point
information, easier to tabulate and interpret. Moreover respondents prefer to give direct answers.
In questionnaires open ended and closed ended, both the types of questions has been used.

COLLECTION OF DATA
Secondary Data: It was collected from internal sources. The secondary data was collected on the
basis of organizational file, official records, news papers, magazines, management books,
preserved information in the company’s database and website of the company.

36
Primary data: All the people from different profession were personally visited and
interviewed. They were the main source of Primary data. The method of collection of primary
data was direct personal interview through a structured questionnaire.

SAMPLING PLAN:

Since it is not possible to study whole universe, it becomes necessary to take sample from
the universe to know about its characteristics.
 Sampling Units: Different professionals Chartered Accountants, Tax Consultants,
Lawyers, Business Man, Professionals and House Wives of Bhubaneswar.
 Sample Technique: Random Sampling.
 Research Instrument: Structured Questionnaire.
 Contact Method:Personal Interview.
SAMPLE SIZE:
My sample size for this project was 200 respondents. Since it was not possible to cover
the whole universe in the available time period, it was necessary for me to take a sample size of
200 respondents.

37
 LIMITATION

 Every work has its own limitation. Limitations are extent to which the process should not
exceed. Limitations of this project are:-
 The project was constrained by time limit of two months.
 Mindset of people may very depending upon their age, gender, income etc.
 Getting appointment from the concern person was very difficult.
 People mind set about the survey was an obstacle in acquiring complete information &
positive interaction.
 Respondents were very busy in their schedule. So it was very time consuming for them to
answer all the questions properly
.

38
 SUGGESTIONS

Finally some recommendations for the company are as fallows:-

 To make people aware about the benefit of becoming HDFC Bank’s Sales Executive,
following activities of advertisement should be done through.
1. Print Media.
2. Hoarding & Banners.
3. Stalls in Trade Fares
4. Distribution of leaflets containing details information

The bank should provide life time valid ATM card to all its customers.
Minimum balance for savings account should be reduced from Rs 5000 to Rs
1000, so that people who are not financially strong enough can maintain their
account properly.

 The company should provide a pass book to all its customers.

 Make people understand about the various benefits of its products.
 Company should organize the program in the society, so that people will be aware
about the company and different products of the bank.
 Company should open more branches in different cities.

39
 CONCLUSION
HDFC Bank, the banking arm of HDFC is expected to go on stream. The bank
already has good number of employees on board and is recruiting Sales Executives heavily to
take the headcount to many more. It is on the brim of increasing its customers through its
attractive schemes and offer.
The project opportunities provided was market segmentation and identifying prospective
customers in potential geographical location and convincing them to open an account so that new
Business Opportunities of the bank can be explored. Through this project, it could be concluded
that people are not much aware about the various products of the bank and many of them not
interested to open an account at all. services was considered as unsought good which require
hard core selling, but in changing trend in income and people becoming financially literate, the
demand for banking sector is increasing day by day. According to my findings Company’s
promotional activities for recruiting sales executives are also very less. So, at last the conclusion
is that there is tough competition ahead for the company from its major competitors in the
banking sector. Last but not the least I would like to thank HDFC Bank for giving me an
opportunity to work in the field of Marketing. I hope the company finds my analysis relevant.

40
 BIBLIOGRAPHY
Websites:
 www.Google.com
www.hdfcbank.com
 www.wlkipedia.com
 www.axisbank.com
 www.icicibank.com
 www.idbibank.com

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