Project on Comparative

Analysis of Axis & HDFC

Bank
Vaishali Agawane-
01
Komal Dabhi- 08
Vaishali Joshi- 21
Ruhina Khan- 27
Devanshi Mehta- 30
Tejashri Sawant- 43
What is Bank???
A Bank is an institution that deals with money.

Store House

Financial institution

Deposits savings
Introduction to

First private bank established in 1994

Promoted jointly by the Administrator of the Unit Trust of India (UTI - I), Life Insurance
Corporation of India (LIC) and General Insurance Corporation of India (GIC) and other four
PSU insurance companies, i.e. National Insurance Company Ltd.

Oriental insurance corporation and united insurance company ltd.

THERE ARE 3 MAIN REASONS

1. They had to give up the UTI name after using it for 13 years.

The decision to rebrand itself was taken by the bank as it was allowed to use the 'UTI' brand
name for free till January 31, 2008

The Recommendation for name change to Axis Bank

The name UTI Bank was changed to Axis Bank as UTI gave look of government sector bank.
Introduction to

Ø Housing Development Finance Corporation

Ø Founded in 1977 by Hasmukh bhai Parakh

Ø HDFC Bank was incorporated in August 1994

Ø India’s largest housing finance company

Ø Listed in NSE, BSE, NYSE(ADR)

Ø Times Bank Limited was merged with HDFC Bank Ltd., in 2000.
 Axis bank
7 p’s HDFC bank

Product Saving account Home loan

Salary account Mutual funds
•Women’s saving account Asset Loan
•Senior Privilege Account Insurance
•Defense Salary Account

Price Normal Interest rate (Per annum in Normal Interest Rate (Per annum %)
%) 7 - 14 days – 3.00
7 days to 14 days- 2.00 30 - 45 days – 3.75
30 days to 45 days – 3.00 61 - 90 days - 4.50
61 days to less than 3 months
4.00

Promotion Visualization Cross-selling exercises

Association Tie up with Airtel DTH
Physical representation Kids Advantage account
Documentation personalised mailers
Tie up with max life insurance Wheels Of Fortune
 Axis Bank HDFC bank
Place 853 branches 3723 ATMs (as on 30th June 2009) 1725 branches spread in 771 cities
across India
3898 ATM’s
People It develops HR by No blame culture and meeting
education, training, incentives and by psychological
tests.

Physical
evidence

We understand your world

There’s always a solution Brochures

Brochures

Employees dress code

Process Standardization Communication systems, systems for

Customization listening to customers and employees,
Simplicity training systems, appraisal, reward and
Customer involvement recognition systems, performance
measurement systems and service
recovery systems.
 Characteristics
Axis Bank HDFC Bank

Intangibility • Sound technological platform • Sound customer franchises

• 24*7 anywhere banking • Core values

Heterogeneity • It has a very competitive rate of interest •Provider of Cash management,

for FD transactional banking solution,
Mutual Funds.
• Encash 24 (Flexi Deposit)
 Axis Bank HDFC Bank

u
Ownership • Depository Account functions • India Link

• Balance inquiry on the Internet • Cheque Lock Box

•Funds Transfer Facility (FTF) is • Quick Remit

available.
• Telegraphic Transfer

Inseparability • Payment of bill through internet • Single online interface

• Direct Tax Payment • Email Statements

• Electronic Clearing Service • Net Banking

• Phone Banking
 Quality Determinants
Axis Bank HDFC Bank

Safety/ Security •In Axis Bank latest technology to protect •In HDFC Bank credit / debit card
the credit card information number is never used on the
merchant website.

Responsiveness 24*7 Customer

• • Handling Customer grievance.
Service
Banking Ombudsman
•

•Main aim is to provide accurate & prompt

information.

• Creating Transparency
 Axis Bank HDFC Bank

Behavior • Positive shift in attitude •Customer grievance’s are

appropriately handled.
• Honing skills

•Ability to provide the required

•Identification and adaptation of information as per the need of
appropriate behavior the customer.

• Ability to maximize each

interaction

Reliability in Axis Bank Loans are given to both Home Loan is one of the most
regards to home individual and corporate borrowers. sought after services that
loans clients want.
 Comparative Ratio
Analysis
Particulars Axis
Capital adequacy ratio 13.69
HDFC
13.60%

Net profit margin 13.31 11.35

Operating 24.95 35.06
expense/total inc
Return on net worth(%) 17.77 15.32

Net interest 4.98 6.86

income/total funds
Net profit /total funds 1.41 1.42
Earning per share 50.57 52.77
Equity dividend(%) 100.00 100.00
Net interest margin(%) 3.33 4.40
 Conclusion

HDFC Bank is more flexible then Axis bank

because it deals with mutual funds, insurance,
realty etc whereas Axis bank deal with
Accounts, loans etc.