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CONTENTS
PREFACE
ACKNOWLEDGEMENT
INTRODUCTION TO BANKING
OBJECTIVES OF STUDY
RESEARCH METHODOLOGY
SWOT ANALYSIS
SUGGESTIONS
LIMITATIONS
CONCLUSION
QUESTIONNAIRE
BIBLIOGRAPHY
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ACKNOWLEDGEMENT
In the first place. I owe much appreciation to the management and staff
of the HDFC Bank, Yamuna Nagar for allowing me to under take the training
Manager) for his most valuable need and creative suggestions at all stages
of my work.
and all other Bank employees for their kind support and cooperation
Busines Economics C.D.L.U., Sirsa for his valuable contribution during the
More ever this achievement is entirely upon the moral support and
(SUNNY MADAAN)
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PREFACE
and provides knowledge as how to solve these problems. there is always gap
between theories and practices and the training is aimed at removing this
gap.
In the project I have tried to study the products of HDFC Bank and
analysis them on the basis of their popularity and there after stating short
my training and I have tried to complete this report with as much perfection
as possible.
INTRODUCTION OF BANKING
provides crucial financial services. The principal type of baking in the modern
custody of money which it pays out on customers order." Infact this is the
conserving & utilizing the funds of community or of any special section of it."
Thus
A Bank :
view point the Italian business house carrying on crude from of banking were
from German word "Branck" which mean heap or mound. In England, the
ORIGIN OF BANKING :
Its origin in the simplest form can be traced to the origin of authentic
store the money. This safe place ultimately evolved in to financial institutions
that accepts deposits and make loans i.e., modern commercial banks.
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A HISTORICAL PERSPECTIVE :
that the transitions from many lending to banking must have occurred
even before Manu, the great Hindu furriest, who has devoted a section
of his work to deposit and advances and laid down rules relating to the
rate of interest. During the mogul period, the indigenious banker played
a very important role in lending money and financing foreign trade and
commerce.
During the days of the East India Company it was the turn of agency
house to carry on the banking business. The General Bank of India was
the first joint stock bank to be established in the year 1786. The other
which followed was the Bank of Hindustan and Bengal Bank. The Bank
failed in the meantime. In the first half of the 19th century the East India
Bank of Bombay in 1840 and the Bank of Bombay in1843. These three
banks also known as the Presidency banks were the independent units
and functioned well. These three banks were amalgamated in 1920 and
new bank, the Imperial Bank of India was established on 27th January,
1921.
With the passing of the State Bank of India Act in 1955 the undertaking
of the Imperial Bank of India was taken over by the newly constituted
SBI. The Reserve Bank of India (RBI) which is the Central bank was
The Central office of RBI is in Mumbai and it controls all the other
Bank Ltd., Bank of India Ltd., Bank of Baroda Ltd., Canara Bank. Ltd.
on 19th July 1969, 14 major banks of the country were nationalized and
on 15th April 1980, 6 more commercial private sector banks were taken
FUNCTIONS OF BANKS
PRIMARY FUNCTIONS
Acceptance of Deposits
Loans
Overdraft
Cash Credit
SECONDARY FUNCTIONS
Agency functions
UTILITY FUNCTIONS :
Underwriting facility
Public sector banks are those banks which are owned by the
there are 9 banks are nationalized. All these banks are belonging to
These banks are owned and run by the private sector. Various banks in
the country such as ICICI Bank, HDFC Bank etc. An individual has
control over there banks in preparation to the share of the banks held
by him.
3. CO-OPERATIVE BANKS
term & medium term loans to there members. Co-operative banks are
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in every state in India. Its branches at district level are known as the
central co-operative bank. The central co-operative bank in turn has its
branches both in the urban & rural areas. Every state co-operative bank
commercial bank and borrowing from the money mkt. It also gets funds
from RBI.
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Banks are classified into following two categories son the basis of
1. SCHEDULED BANK
These banks have paid up capital of at least Rs. 5 lacks. These are like
bank paid up capital of these banks is less then Rs.5 lacs. The no. such
1. COMMERCIAL BANKS
businessmen & traders. Since their deposits are for a short-period only.
They cannot lend money for a long period. These banks reform various
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types or agency job for their customers. These banks are not in a
are only for a short period. The majority of joint stock banks in India are
2. SAVING BANKS
the country and put them into productive use. These banks have shown
currency and vice versa. It is on this account that these banks have to
their business.
4. INDUSTIRAL BANKS
The industrial banks extends long term loans to industries. In fact, they
also help industrials firms to sell their debentures and shares. Some
times, they even underwrite the debentures & shares of big industrial
concerns.
5. INDIGENIOUS BANKS
These banks found their origin in India. These banks made a significant
6. CENTRAL BANK
charged with the duty & responsibility of carrying out the monetary
6. AGRICULTURAL BANK
The commercial and the industrial banks are not in a position to meet
the credit requirements of agriculture. Hence, there arises the need for
requirement of the farmers are two types. Firstly the farmers require
short term loans to buy seeds, fertilizers, ploughs and other inputs.
provide for irrigation works. There are two types of agriculture banks.
2. Land mortgage banks. The farmer provide short-term credit, while the
(HDFC BANK)
INTRODUCTION
bank of India (RBI) to set up a bank in the private sector, as part of RBI
corporate in Aug. 1994 in the name of HDFC Bank Ltd. With its
PROMOTOR
corporate client base for its housing related credit facilities. With its
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BUSINESS FOCUS
HDFC bank's mission is to be a world class Indian bank. The bank has
1. Operational Excellence
2. Customer Focus
3. Product Leadership
4. People.
CAPITAL STRUCTURE
The authorized capital of HDFC bank is Rs. 45000 lacks. The issued,
The Shares are listed to the stock exchange Mumbai and National
Coleman & Co. times group) was merged with HDFC bank ltd.,
India.
DISTRIBUTION NETWORK
HDFC bank has its Headqarters in Mumbai. The bank at present has
country. All branches are linked on an online real time basis. Customer
in 189 locations are also serviced through phone banking. The banks
expansion plans take into account the need to have a presence in all
are located as well as the need to build a strong retail customer base
for both deposits and loans products. Being a clearing settlement bank
TECHNOLOGY
The bank has made substantial efforts and investments in acquiring the
world class 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 business. In each office its business,
share.
BUSINESS PROFILE
transactional branch banking on the retail side. The bank three key
business areas
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sized corporate. For these corporate the Bank provides a wide range of
levels and strong customer orientation, the Bank has made significant
full range of financial products and banking service, giving the customer
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delivery channels like ATMs, phone banking, net banking and mobile
banking. The HDFC bank preferred programs for high net worth
individuals, the HDFC bank plus and the investment advisory services
investment avenues. The also had a wide array of retail ban products
hold their investments in electronic form. HDFC Bank was the first bank
( Visa election) and issue the master card Maestro debit card as well.
The debit card allows the use to directly debit his account at the point of
bank launch its credit card in association with VISA in November 2002.
The bank is also one of the leading players in the "merchant acquiring"
business with 26,400 point of sale (pos) terminals for debit/credit cards
of interest banking services for fixed deposit, loans, bill payments etc.
Within this business the bank has three main product areas foreign
BOARD OF DIRECTOR
AUDITOR
M/s P.C Hansotia & Co.
Chartered Accountant
REGISTERED OFFICE
HDFC BANK HOUSE
Senapati Bapat Mart,
Lower Parel,
Mumbai 40013
Tel. No. 66521000
Fax No. 24960737
Website : www. hdfcbank.com
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Excellence 2004-05.
2005.
HIGHLIGHTS
3. Dividend per share increases from Rs. 4.50 to Rs. 5.50 (proposed)
8. Balance sheet size up from Rs.73, 506, 39 crores to Rs. 51, 42,9,00
crores.
HDFC BANK
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1000
871
800
666
600 East
510
400 West
North
200
0
2004 2005 2006
600
550
500
450
400
350 East
300
West
200
North
100
0
2004 2005 2006
600
550
500
450
400
350 East
300
West
200
North
100
0
2004 2005 2006
20000
16186
15000
11418 East
10000
7804 West
5000 North
0
2004 2005 2006
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ATM's
1400 1323
1200 1147
1000 910
800 East
600 West
400 North
200
0
2004 2005 2006
ATM's
1400 1323
1200 1147
1000 910
800 East
600 West
400 North
200
0
2004 2005 2006
HDFC BANK
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(Rs. Lacs)
Capital & Liabilities Schedule As at 31-3-06
As at 31-03-05
Channels.
by HDFC Bank.
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RESEARCH METHODOLOGY
procedure. It helps the researches to adopt the right way to move on for
• Collection of data
• Analysis of data
• Interpretation of data
• Preparation of report
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RESEARCH DESIGN
A research design is purely & simply the framework of plans for a study
that guides the collections & analysis of data the research design is the
blue print for the collection, measurement & analysis of the data.
• What time is required for the study to be competed & how much
material is needed.
These designs are the first step to start any research & are absolutely
the concepts of the study. The major emphasis is the discovery of ideas and
SAMPLE DESIGN
BANK CONSULTED :
HDFC Bank
No of persons consulted
100
RESPONDENTS INCLUDED :
• Chartered Accountant
• Doctors
• Others
AREA COVERED
• Offices
• Market places
Primary data are those which are collected afresh & for the first time, &
These are those which are collected by someone else & which have
project
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CURRENT ACCOUNT
times during a working day. There is no restriction on the number and the
obligation to reply these deposit on demand, they are called demand liability
of a banker.
Thus the business needs are constantly evolving and it also require
time and money. To fulfill the needs of the customers HDFC bank provides a
FEATURES
Free ATM card, phone banking, net banking and mobile banking
The charges for non-maintains of AQB are Rs. 750 per quarter.
The charges for issuing the new Cheque book is Rs.2/- per leaf.
FEATURES
Free service
Monthly statement
COMPARATIVE TABLE
It is a current account ideal for small funds transfer across varies cities
in the country. Trade account is suitable for small businessman & traders.
FEATURES
branch.
Cheque book is issued @Rs. 5 per leaf for those accounts which are
With this one account one can access cities in the country. In other
words the power of a single account and multi city banking is providing
service charge.
FEATURES
Fund transfer between the other locations is free up to 100 lacs per
month.
Cheque book will be issued @ Rs.5 per leaf for accounts which are not
SAVING ACCOUNT
range of products and services. All one needs to deposit minimum balance of
Rs.5000 and open saving balance account which allows to issue cheques
FEATURES
INTEREST RATE
account between the 10th and last day of the month and is credited to the
customers account on March 31st June 30th Setp. 30th and Dec. 31st.
QUARTERLY STATEMENT
March 31st, June 30th, Sept. 30th and December 31st of every year. The
at a free.
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COLLECTION OF CHEQUES
First 25 cheque leaves are free then further are requested through ATM
or Branch.
AQB CHARGES
DD CHARGES
CLOSING CHARGES
If saving account is closed before 6 months, then 100 Rs, are charged
else no charges.
• Minor
Joint Account
TDS
SERVICES
• Bill pay
Free ATM card is provided with your saving balance account and you
can access your account 24 hours a day,365 days a year. On can have
instant access to the account throughout the country round the clock.
FEATURES OF ATM
HDFC Bank International debit card lakhs your shop and also withdraw
LIMIT :
You can shop Upto a maximum limit of Rs.25,000 per day at 15,000
You can withdraw cash upto Rs.15,000 per day from over 1600 VISA/
NET BANKING
HDFC Bank allows safe & secure way to bank over the internet facilities
available.
Features
• New FD Request
TDS Enquiry
mailing address.
Request for a new cheque book can be done online which will be
One can check status of demat account on the net free of cost.
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There are no charges for getting various information on net while Rs.
CHARGES
TRANSACTION CHARGES
There are no charges for using the card at merchant locations for
shopping & for use of the card at DFC Bank ATMs. However, at ATM
networking of other banks Rs.55 per transaction are charged (Rs. 18 in case
of SBI).
INSURANCE
ADDITIONAL CARD
Rs. 100 per card. Annual fee has been waived for the first year on one
additional card.
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FEATURES :
Transfer funds
Cash transactions upto 50,000 per day are free. Further Rs.2.90
thousand are charged the service is freed for all non-cash transaction.
MOBILE BANKING
Mobile banking is free service provided by HDFC bank one can access
the bank account on the mobile phone screen anytime, any where through
FEATURES
Open or enquire FD
Get DD
Transfer fund
Insta.
Alert charges are there @ Rs.35 p.m. with insta Alert service one can
With Insta Alert service one doesn't have to wait for account
information but gets regular updates on bank account via SMS or e-mail one
can pick & choose the mode e-mails or SMS or both to receive alerts. Insta
SALARY CREDIT
For salary account holders, its an eager wait till there salary comes into
the bank. But with Insta alert facility one gets on e-mail or SMS the minute
• One gets instant SMS /e-mail reminders when your utility bill are due.
50,000.
CHARGES
This facility is free for new savings account holder for first year. Just
application form overleaf is to be filled to get registered for availing this facility
and there is need to maker an effort to find out What's happening on account
If you open super saver account with a nominal sum of Rs. 25,000, you
balance account you get access to zero balance savings account this
after opening super saver are account even in case one doesn't
3. Salary A/c
When one company opts for the HDFC Bank corporate salary program,
employee gets more than first a savings account. The account holders
week & 365 days a year. Through free net banking, Mobile banking,
phone banking, wide network of ATMs & branches across the country
a free international debit card, O/D facility plus free Demand draft &
Who it eligible ?
FEATRUES
Cash withdrawl
Cash deposit
DD Insurance
Cheque deposit
• Discount on Loans
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Salary account holders can avail of free DDs upto Rs.25000/- only from
Home Branch. This offer can be availed of through the Phone Banking
• Demat A/c
cheque book
personnel (Indian Air Force, Indian Army, Indian Navy) this program offers a
host of world class services & benefits to defense personnel as free debit
card free collection of outstation cheques, directly cradling salary free DDs,
FEATURES
5. TRUST ACCOUNT
which offer zero interest besides this a host of other advantages so far
FEATURES
Demat Account
Intercity banking
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instruments.
HOW TO OPEN ?
Rs 5,000.
HDFC Bank looks after your child's financial growth and values your
child future.
How to open?
To open kids advantage account child one of the parents should have
savings account with the bank and need to invest a sum of Rs. 25,000 in a
fixed deposit in child's name of a minimum duration of "6 months one day".
With this zero balance kids advantage saving account linked to the fixed
HOW TO OPERATE?
FEATURES :
2. Option for systematic investment in mutual funds to plan for kid's future.
3. For children of age 7 years and above an ATM or Debit card will be
issued in the child's name with parents permission child can withdraw
upto Rs.1500 per day from ATM or shop upto maximum, of Rs.1000
7. Free transfer of funds between child's and parents HDFC Bank saving
accounts.
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With HDFC bank family saving account family members can hold
individual accounts with the bank and these will be linked to give family
one group.
FEATURES
• Free International Debit card for all group members till the lifetime.
• Cash delivery @ Rs.50/- per delivery upto Rs. 1 lakh against the
ATM CARDS
DEBIT CARDS
(Annual fee waived for the First Year for one Additional Card. All sub-sequent
STATEMENT OF ACCOUNT
Quarterly : Free
ACCOUNT CLOSURE
INTERBRANCH BANKING
Through tellers :
Cash Transactions :
DRAFT CHARGES
Above Rs. 25,000 & upto Rs. 1 lakh : Rs. 2.50 per Rs. 1000 (min Rs.50)
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Above Rs. 1,00,000 : Rs. 2 per Rs. 1000 (min Rs. -250, Max Rs.
5.000)
AQBS
TRANSACTION CHARGES
1. Reorder of cheque book Rs. 5 per charge leaf
2. Cash transactions at the 3 free in the quarter Rs.60/- per
branch
(deposits + withdrawls) Transactions for additional
transactions
3. Cash Transaction at the ATM 5 free in the quarter Rs.30/- per
Deposits + withdrawls Transaction for additional
transactions
4 Phone banking Rs. 30 per transaction
These charges will apply in the current quarter based on the AQB maintained
FIXED DEPOSITS
These are the deposits with the bank for fixed period which is specified at the
time of making the deposits. These are repayable on the expiry of the
Bank as follows :
Simple FD
Sweep in
Super saver
SIMPLE FD
The is simple fixed deposit the nominal balance for this is Rs. 10,000
for the first time. Further one can open simple FD from nominal balance of
Rs.5,000. One can choose any account plan between 15 days of 5 years.
interest on FD and at the same time enjoys the liquidity associated with
savings account. Super saver account allows to issue cheques and an ATM
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card for withdrawls just like savings account. One gets money whenever
needed from any of the extensive network of312 branches in 163 cities &
over 910 ATM across the country but even in this case FD is not broken and
account.
OPERATION
One can open super saver account with nominal balance of just
a high rate of interest i.e. deposit is not broken. One is required to pay an
overdraft interest that is 2% more than the interest earned by the fixe deposit
for the amount of overdraft and only for the period for which one uses the
ATM for overdraft limits greater than Rs.2 lakh overdract interest will be
One can choose any account plan between 6 months and 5 years for
super saver account even if one withdraws upto 70% of super saver account
on day one an do not put it back for a year, still earns more that he/she earns
Higher the balance in super saver account, and shorter the period for
FEATURES
One can open super saver account with nominal balance of just
a high rate of interest i.e. deposit is not broken. One is required to pay an
overdraft interest that is 2% more than the interest earned by the fixed
deposit for the amount of overdraft and only for the period for which one uses
the money. One can take an overdraft simply by using a cheque or through
an ATM for overdraft limits greater than 2 lakh overdraft interest will be
One can choose any account plan between 6 months and 5 years for
super saver account even if one withdraws upto 70% of super account on
day one an do not put it back for a year still earns more that he/she earns
Rs.25000, one need no maintain AQB of Rs. 5000 in savings Accounts even
Higher the balance in super saver account, and shorter the period for
the bank.
• Eligibility
account holders.
SWEEP IN ACCOUNT
broken and the required fund is transferred into the savings account and one
There when one wants his/her money to earn high interest, it work like
a fixed Deposit & when one wants to withdraw money is a hurry, it works like
a savings account.
One can open sweep in account with minimum amount of Rs. 50,000
and thus gets access to zero balance saving account i.e. no service charges
account.
amount of Rs.5000.
savings account. So, whenever one is short of funds in savings account and
money is "blocked" in a fixed Deposit, one just have to issue a chaque or use
ATM, money automatically gets transferred i.e. swept in from fixed deposit
irrespective of the value of the fixed deposit. Service charge applicable would
account.
FEATURES :
account.
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Full Interest
Amount swept in earns interest for the tenure it has completed without
any penalty. Also rest of the deposit continues to earn the original interest
Every time one opens a new deposit of Rs.5000 or above one he/she
can request it to be linked to sweep in facility. But fixed deposits are broken
in the order in which they are opened i.e. the earliest fixed deposit is broken
Reinvestment
One has the choice of rolling over the principal only or principal plus interest
i.e. reinvest the interest the automatic rollover will be for the same tenure & at
Eligibility
Isn't wonderful that some one is looking after your child's financial
growth? There is HDFC Bank which looks after your child's future.
2. One can opt for systematic investment in mutual funds to plan for the
kids future.
3. For children of age 7 years & above, an ATM/ International Debit Card
International Debit Card is Rs. 2500 per day (Rs.1500 at ATMs), Rs.
7. Free fund transfer of funds between HDFC Bank saving A/c and KID's
Advantage Account.
FEES
To open kids advantages A/c for child, one of the parents should have
saving A/c with the bad and need to invest a save of Rs. 25000 in a fixed
deposit in child's name of a minimum duration of "6 month one day". With this
Zero balance kid's advantages A/c liked to the FD will be opened in the
child's name.
HOW TO OPERATE
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parent/ guardian A/c to his kid's adv. A/c every month, subject to a minimum
of Rs.500.
Once the balance in the kid's adv. A/c exceeds Rs.10,000 the out in
CREDIT CARD
The HDFC Bank international silver credit card is design keeping the
customer in mind. It is loaded with features that will not only make a
difference to customer life but also indulge with offer, pre villages, reward
The following are the main feature the silver credit card :
Cash Advances :
The customer can withdraw upto 30% of credit limit as & when
required. The facility is available at any of the HDFC Bank ATMs from any
Comprehensive Insurance :
With the credit card the customer can get an unmatched feeling or
The customer can protected against any misuse your card is lost or
stolen simply by putting his liability NIL from movement he report the loss to
the bank.
Reward Programme
earn 2 reward points for every Rs.100 the customer spend on his card, with
a later date.
establishment in India.
Cash Advance :
charges.
Credit Period :
Our card now gets you the highest interest free credit period of up to 55
Reward Programme :
The customer can earn 2 rewards point for every Rs.100 that he
spends with this card. He can accumulate & redeem these reward points at a
later date.
The card holder is also protected against any misuse in case your card
is lost or stolen. This liability Nil from the movement he report the loss to the
bank.
Comprehensive Insurance :
The International Gold Credit Card provides the sense of security to the
This card offer a host related benefits so that one can travel with easy
comfort.
Tele Ticketing :
One can now book his air & railway ticket from the comfort of his home
& get them delivered at his doorstep. He also get attractive discount of 3.5%
Delayed Flight :
If the holder's flight gets delayed beyond 12 hours from its scheduled
Loss of Passport/Visa :
Add-On - Card :
Share the various benefits and they joy of owing our card with loved
As shown by the table above, people who come to know about the
HDFC Bank through friends are 35%, through Marketing are 40%, through
Advertisement are 10%, through Exhibitions are 10% and through Others are
5%.
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SOURCES OF AWARENESS
PERCENTAGE
40
40
35
35
30
25
20
15
10 10
10
5
5
0
Friends Marketing ADS Exhibitions Other
SOURCES
HDFC BANK
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60% 55%
50%
PERCENTAGE
40%
40%
30%
20%
10% 5%
0%
HDFC Branch Marketing Exec. Others
HELPING GROUP
HDFC BANK
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plays 20% and Credibility of Bank plays 15% role while opening an account
in HDFC Bank.
Thus study shows that special offer plays the most important role
% of Respondents
This table shows that the people who are using Saving A/c are 44%,
Current A/c are 22%, Fixed Deposit are 28% and Others are 6%
Thus the study shows that Saving A/c is the most preferred
% of Respondents
Other
6%
FD
Saving
28%
44%
Saving
Current
FD
Current
Other
22%
This Table shows that people are using reinvestment are 30%, Super
Thus the study shows that Super Saver is the most popular FD
% of Respondents
50 45
PERCENTAGE
40
30
30 25
20
10
0
Reinsvestment Super Saver Sweepin
FD SCHEMES
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Q.6. Are you able to maintain AQB of Rs. 5000 in saving account?
% of Respondents
70 65
60
PERCENTAGE
50
40 35
30
20
10
0
Yes No
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Q.7. Which of the following facilities Direct Banking Channels (DBC) you
PERCENTAGE OF RESPONDENTS
45 45
35
40
PERCENTAGE
35
30 20
25
20 10
15
10
5
0
ATM Phone Net Banking Mobile
Banking
DBC FACILITIES
Thus study shows that ATM is the most preferred Direct Banking
Q.8. What are the causes for not using any of the Direct Banking
Channels?
% of Respondents
Feel more
secure banking
personal
21% Feel more secure
banking personal
Lack of
Knowledge Unsatisfied
Unsatisfied
42%
5% Unawareness
Lack of Knowledge
Unawareness
32%
This Graph shows that the main cause for not using DBC by
Q.9. How will you rate performance of direct banking channels you are
using?
% of Respondents
Very Poor
Poor
3%
7%
Good
30%
The Graph shows that 40% people says DBC Best , 30% says DBC
is good, 20% says DBC Fair, 7% says DBC is poor and 3% says DBC is
Best
Fair Best
40%
20% Good
Fair
Poor
Very Poor
Good
35%
This Graph shows that 40% people says HDFC is Best in its
performance, 35% people says HDFC is Good, 20% says it is Fair, 3% says
it is poor and 2% people says it is Very Poor in its performance.
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Q.11. Did you face any problems while maintaining your account at
bank?
Percentage of the respondents facing the problems while
maintaining were account.
Percentage of Respondents
Yes No
45 55
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% of Respondents
60 55
PERCENTAGE
50 45
40
30
20
10
0
Yes No
This Graph shows that 45% people says they are facing the
problem while maintaining the Account and 55% people says they are not
facing any of the problem while maintaining the Account in HDFC Bank.
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Facilities Percentage
Better 20
Plan 30
Selusen 30
Agents 15
Others 5
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% of Respondents
30 30
30
PERCENTAGE
25 20
20 15
15
10 5
5
0
Better Plan Selusen Agents Others
FACILITIES
Q.13. Do you think private sector banks are better than public sector
banks?
% of Respondents
15
Yes
No
85
Q.14. What extra service would you like to avail form the bank?
% of Respondents
10
Online Trading
20 of Shares
Phone Banking
Bills Pay
40
Other
30
HDFC BANK
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SWOT ANALYSIS
STRENGHTS :
166 cities & one international office in Dubai this provides a competitive
The Bank has a strong retail depository base & has more than million
customers.
ISO 9001 certification for its depository & custody operations & for its
The bank has a market leader in cash settlement service for the major
HDFC Bank is one of the largest private sector bank working in India.
Infrastructure is best.
NRI services.
HDFC BANK
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WEAKNESS :
time.
discounting facilities.
OPPORTUNITY :
Branch expansion
Banks.
CC/ OF Facilities.
THREATS:
The bank has started facing competition from players like SBI, PNB
Bank in the finance market itself. This reduce the profit margins in the
future.
SUGGESTIONS
should be decreased.
regarding DBC.
reduced.
The bank should provide for regular and frequent calls to their profitable
customers to retain clientele & to make them feel more comfortable and
HDFC Bank should also bring a new feature of CC (Cash credit) limit.
HDFC BANK
We Understand your world
Due to constraints of time & resources the present study is likely to suffer
from certain limitations some of these are mentioned so that study can be
Area covered under the report is sample size was very small.
The research was carried out in a short period of 7-8 weeks as a part of
summer training. The project was completed within the given time
frame.
information.
sampling.
Some respondents were not available and thus needed data could not
be found.
Bombay Headquarter such as PIN request for ATM, TIN for phone
CONCLUSION
their account while 20% agreed that they interacted zero and grater
Special offer with the products played an important role while opining
role.
Saving account is the most important product Next comes FD, then
in savings account.
ATM facility is used the most among all direct banking channels 45%
Lack of knowledge about DBC is the most important reason for not
HDFC Bank is preferred the most because of higher returns and better
85% of respondents agree that private sector banks are better than
trading of shares.
HDFC BANK
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QUESTIONNAIRE
NAME :
AGE : SEX :
Yes No
Others
Yes No
10. What are the causes for not using any of the Direct Banking channels?
11. How will you rate performance of direct banking channels you are
using?
12. How would you rate clarify of products by executive in the bank?
14. Did you face any problems while maintaining your account at bank?
Yes
No
16. Do you think private sector banks are better than public sector banks?
Yes No
17. What extra service would you like to avail from the bank?
_________________________________________________________
______________________________________________________.
18. Suggestion: -
_________________________________________________________
______________________________________________________.
PLACE:_________________
DATE:__________________
HDFC BANK
We Understand your world
BIBLIOGRAPHY
Books:
Magazine:
Business Today
Business World
Manuals
Brochures
Websites
www.hdfcbank.com
www.indiainfoline.com