Escolar Documentos
Profissional Documentos
Cultura Documentos
Presented by :
Nischal Attri
K05059
Batch 5
2
Company Profile
• HDFC Bank Limited is an Indian banking and financial services company headquartered in Mumbai,
Maharashtra.
• 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 RBI’s liberalization of the Indian Banking Industry in 1994.
• Chairperson – Mrs. Shyamala Gopinath
• Managing Director- Mr. Aditya Puri.
• Mission - To be a World Class Indian Bank.
3
Company Profile
• HDFC ltd.(NBFC) is the promoter/parent company of HDFC bank ltd.
• Subsidiary companies-
• HDB Financial services limited
• HDFC Securities limited
4
Segmentation
• Market Segmentation is the process of defining and subdividing a large homogeneous market
into small identifiable segments having similar needs, wants, demands or any other
characteristics.
• An organisation can’t cater to the needs of whole market with same set of products and strategy so
it divides the market into segments having homogeneous characteristics and tailor it’s products and
strategy according to the needs of each segment.
5
Penetration
• Market penetration is the measure of amount of goods and services being used within a total
potential market.
• Market penetration is used as performance measurement tool to measure how well a product is
doing in the market.
• Market penetration can also be defined as extent of product’s sales volume relative to total sales
volume of all competing products.
7
Conclusion
General observations/Findings:
• Penetration power for CASA(current a/c & CASA account holders
savings a/c) in HDFC was 28.3%
Yes
28%
• Low interest rates and less processing time were Factors affecting credit decisions of Individuals and
the major factors that influenced respondents in corporates
120
making their decision regarding loan products.
100 0 0
2
2 4 2 6
10 8
80 10
10 28
28 14
60 18
22
40 74
64
20 48
36
0
[lowest interest rate] [less processing time] [less or no [less penalty on default ]
documentation required]
9
very importan Important Neutral Not that important Unimportant
General observations/Findings:
• 85% of the respondents preferred online mode for
transactions, whereas among HDFC customers, 93% of the
respondents preferred online mode of transactions.
10
General observations/Findings:
• Characteristics important for digital products and
services. security and time efficiency was chosen very
important by maximum number of respondents.
11
Suggestions
• Spreading awareness among customers about investment schemes like SIP and ULIP schemes as customers were not
much aware of these investment schemes
.
• HDFC can reduce interest rate in auto loan category as its market penetration is low or it can come up with other
innovative measures or have a strategic alliance with auto makers.
• HDFC can should increase its interest rates in FD so as to gain a competitive edge. And investment schemes should be
pitched more to inactive customers so that they can earn higher returns on their idle funds.
• For any digital product, banks should ensure well designed and easy to understand user interface and customers should
be informed about all the security features so that they feel secure while transacting through these mediums.
• Banks can focus on word of mouth publicity as it is an effective means of dissemination of information about the banking
products among the people.
• HDFC Bank should focus more on its online delivery channels such as Net-banking, Mobile banking, HDFC’s app etc.
12
Learnings by management perspective
Customer awareness and perception towards various products offered by the banks.
How to establish relationship with customers and change every service into sales opportunity.
14