HDFC

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HDFC BANK
We Understand your world
CONTENTS
PREFACE
ACKNOWLEDGEMENT
INTRODUCTION TO BANKING
BANKING SYSTEM IN INDIA
PROFILE OF HDFC BANK
OBJECTIVES OF STUDY
RESEARCH METHODOLOGY
VARIOUS SCHEMES OF BANK
ANALYSIS AND INTERPRETATION
SWOT ANALYSIS
SUGGESTIONS
LIMITATIONS
CONCLUSION
QUESTIONNAIRE
BIBLIOGRAPHY
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HDFC BANK
Jai Shree Ram, Dosto

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ACKNOWLEDGEMENT
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May I take this rare opportunity to extend my sincere gratitude to those

who contributed in one-way or another to my training and subsequent
submission of this report.
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
in their esteemed Bank.
I take this opportunity to express my intellectual department of
gratitude and obligation to my esteemed revere Guide Mr. Rohit Garg
(Branch Manager) for his most valuable need and creative suggestions at all
stages of my work.
My heart full gratitude goes to Mr. Gaurav Arora (Branch Executive)
and all other Bank employees for their kind support and cooperation
throughout the project.
I highly grateful to my revered Dr. N.K. Bishnoi (Chair Person) Deptt. of
Busines Economics C.D.L.U., Sirsa for his valuable contribution during the
academic session and guidance in preparation of this project report.
More ever this achievement is entirely upon the moral support and
inspiration of my parents and all my friends. It is with their endless support.
(SUNNY MADAAN)
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PREFACE
The vocational training in any organization is an integral part of M.B.E.

course of M.B.E. Course because it exposes students to the problem area
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.
The project report is concerned with the "Analysis of Various
Schemes provided by HDFC Bank" During my training I studied the
various development tools and deeply analysis the functions.
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
coming along with suggestions.
This report is written account of what I learnt and experienced during
my training and I have tried to complete this report with as much perfection
as possible.
With the questionnaire I make it clear that practical knowledge is must,
which gives us and opportunities to give practical entries.
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INTRODUCTION OF BANKING
MEANING AND DEFINITION:

Bank is an institution that deals in money and its substitutes and
provides crucial financial services. The principal type of baking in the modern
industrial world is commercial banking & central banking.
Banking Means "Accepting Deposits for the purpose of lending or

Investment of deposits of money from the public, repayable on demand or
otherwise and withdraw by cheque, draft or otherwise."
-Banking Companies (Regulation) Act,1949
The concise oxford dictionary has defined a bank as "Establishment for

custody of money which it pays out on customers order." Infact this is the
function which the bank performed when banking originated.
"Banking in the most general sense, is meant the business of receving,

conserving & utilizing the funds of community or of any special section of it."
-By H.Wills & J. Bogan
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"A banker of bank is a person, a firm, or a company having a place of

business where credits are opened by deposits or collection of money or
currency or where money is advanced and waned.
-By Findlay Sheras
Thus
A Bank :
Accept deposits of money from public,
Pays interest on money deposited with it.
Lends or invests money
Repays the amount on demand,
Allow the money deposited to be with drawn by cheque or draft.
ORIGIN OF WORD BANK:

The origin of the word bank is shrouded in mystery. According to one
view point the Italian business house carrying on crude from of banking were
called banchi bancheri" According to another viewpoint banking is derived
from German word "Branck" which mean heap or mound. In England, the
issue of paper money by the government was referred to as a raising a bank.
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ORIGIN OF BANKING :
Its origin in the simplest form can be traced to the origin of authentic
history. After recognizing the benefit of money as a medium of exchange,
the importance of banking was developed as it provides the safer place to
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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BANKING SYSTEM IN INDIA
A HISTORICAL PERSPECTIVE :
We can identify there distinct phases in the history of Indian banking:
1.
Early phase from 1786-1969.
2.
Nationalization of banks and up to 1991 prior to banking sector

reforms.
3.
New phase of Indian banking with the advent of financial banking.

Banking in India has its origin as early or Vedic period. It is believed
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 of Hindustan is reported to have continued till 1906. While other
two failed in the meantime. In the first half of the 19th century the East
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India Company established there banks, The bank of Bengal in 1809,

the 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
established in April, 1935 by passing Reserve bank of India act 1935.
The Central office of RBI is in Mumbai and it controls all the other
banks in the country.
In the wake of Swadeshi Movement, number of banks with the Indian

management were established in the country namely, Punjab National
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 over by the government.
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HDFC BANK
FUNCTIONS OF BANKS
PRIMARY FUNCTIONS
Acceptance of Deposits
Making loans & advances
Loans
Overdraft
Cash Credit
Discounting of bills of exchange
SECONDARY FUNCTIONS
Agency functions
Collection of cheques & Bills etc.
Collection of interest and dividends.
Making payment on behalf of customers
Purchase & sale of securities
Facility of transfer of funds
To act as trustee & executor.
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HDFC BANK
UTILITY FUNCTIONS :
Safe custody of customers valuable articles & securities.
Underwriting facility
Issuing of traveller's cheque letter of credit.
Facility of foreign exchanges
Providing trade information
Provide information regarding credit worthiness of their customer.
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CLASSIFICATION ON BASIS OF OWNERSHIP
On the basis of ownership banks are of the following types :
1.
PUBLIC SECTOR BANK

Public sector banks are those banks which are owned by the
Government. The Govt. runs these Banks. In India 14 banks were
nationalized in 1969 & in 1980 another 6 banks were also nationalized.
Therefore in 1980 the number of nationalized bank 20. But at present
there are 9 banks are nationalized. All these banks are belonging to
public sector category. Welfare is their principle objective.
2.
PRIVATE SECTOR BANKS

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
Co-operative banks are those financial institutions. They provide short
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 is an apex bank which provides credit facilities to the central cooperative bank. It mobilized financial resources from richer section of
urban population by accepting deposit and creating the credit like
commercial bank and borrowing from the money mkt. It also gets funds
from RBI.
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ii
ACCORDING TO RESERVE BANK OF INDIA ACT 1935
Banks are classified into following two categories son the basis of
reserve bank Act. 1934.
1.
SCHEDULED BANK
These banks have paid up capital of at least Rs. 5 lacks. These are
like a joint stock company. It is a co-operative organization. These
banks find their mention in the second schedule of the reserve bank.
2.
NON SCHEDULED BANK

These banks are not mentioned in the second schedule of reserve
bank paid up capital of these banks is less then Rs.5 lacs. The no.
such bank is gradually tolling in India.
iii
CLASSIFICATION ACCORDING TO FUNCTION
On the basis of functions banks are classified as under :1.
COMMERCIAL BANKS
The
commercial
banks
generally
extend
short-term
loans
to
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
position to grant long-term loans to industries because their deposits
are only for a short period. The majority of joint stock banks in India are
commercial banks which finance trade & commerce only.
2.
SAVING BANKS
The principle function of these banks is to collect small saving across
the country and put them into productive use. These banks have
shown marked development in Germany & Japan. These banks are
established in HAMBURG City of Germany in 1765. In India a
department of post offices functions as a saving banks.
3.
FOREIGN EXCHANGE BANKS

These are special types of banks which specialize in financing foreign
trade. Their main function is to make international payments through
purchase & sale of exchange bills. As it well known, the exporters of a
country prefer to receive the payments for exports in their own
currency. Thus these banks convert home currency into foreign
currency and vice versa. It is on this account that these banks have to
keep with themselves stock of the currency of various countries. Along
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with that, they have to open branches in foreign countries to carry on

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 contribution to the development of agricultural and industries
before independence. Mahajans, rural moneylenders and jweelers
have been the forerunner of these banks in India.
6.
CENTRAL BANK
The central bank occupies a pivotal position in the monetary and
banking structure of the country. The central bank is the undisputed
leader of the money market. As such it supervises controls and
regulates the activities of commercial banks affiliated with it. The
central bank is also the higher monetary institution in the country
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charged with the duty & responsibility of carrying out the monetary
policy formulated by the government. India's central bank known as the
reserve bank of India was set up in 1935.
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
setting up special type of banks of finance agriculture. The credit
requirement of the farmers are two types. Firstly the farmers require
short term loans to buy seeds, fertilizers, ploughs and other inputs.
Secondly, the farmers require long-term loans to purchase land, to
effect permanent improvements on the land to buy equipment and to
provide for irrigation works. There are two types of agriculture banks.
1.
Agriculture co-operative banks, and
2.
Land mortgage banks. The farmer provide short-term credit, while the
letter extend long-term loans to the farmers.
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HDFC BANK
HOUSING DEVELOPMENT FINANCE CORPORATION

(HDFC BANK)
INTRODUCTION
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
liberalization of Indian banking industry in 1994. The bank was in
corporate in Aug. 1994 in the name of HDFC Bank Ltd. With its
registered office in Mumbai, India, HDFC Bank commenced operations
as scheduled commercial bank in January 1995.
PROMOTOR
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 1997, the corporation has maintained a
consistent and healthy growth in its operations to remain a market
leader in mortgage. 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 also has a
large corporate client base for its housing related credit facilities. With
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its experience in the financial markets, a strong 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 bank has
aim to build sound customer franchises across district business so as
to be the prefer provider of banking services in the segment that the
bank operates in 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
and regulatory compliance. HDFC bank's business philosophy is based
on four core values:
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,
subscribed and paid-up capital is divided into 836,46 lacks equity
shares @ Rs.10/- each.
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The Shares are listed to the stock exchange Mumbai and National
Stock Exchange. The banks American Depositary shares are listed on
New York Stock Exchange (NYSE) under the symbol "HDB"
SHAREHOLDERS HOLDING MORE THAN 1% OF THE
SHARE CAPITAL OF THE BANK AS AT MARCH 31, 2006
Sr.
Name of the Shareholders
No. of Shares % of Share
No.
1.
ADS
2.
Chase Bank)
Housing
Development
3.
4.
5.
6.
7.
Corporation Limited
HDFC Investments Limited
Crown Capital Limited
DBS Bank Limited
Life Insurance Corporation of India
Bennett Coleman & Company
3,00,00,000
1,54,89,634
1,16,20,886
95,18,096
88,49,929
9.58
4.95
3.71
3.04
2.83
8.
Limited
FID Funds (Mauritius) Limited
61,88,781
1.98
Depository
(J
Holder
Morgan 6,03,38,247
Capital
19.27
finance 3,88,60,000
12.41
TIMES BANKS AMALGAMATION

In a mile stone transaction in 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
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HDFC BANK
approved by the share holders of both banks and Reserve bank of

India.
DISTRIBUTION NETWORK
HDFC bank has its Headqarters in Mumbai. The bank at present has
an enviable network of 535branches spread over 312 cities across the
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
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 loans products. Being a clearing settlement bank
to various leading stock exchanges, the bank has branches in centers
where the NSE/BSE have a strong and active member base.
The bank also have a network of 1323ATM's across there cities.
TECHNOLOGY
HDFC bank operates in a highly automated environment in terms of
information technology and communication systems. All the bank's
branches have connectivity which enables the bank to offer speedy
funds transfer facility to its customers. Multi branch access is also
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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 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,
the Bank has succeeded in leveraging its market position, expertise
and technology to create a competitive advantage and build market
share.
BUSINESS PROFILE
HDFC Bank caters to wide range of banking services covering both
commercial and investment banking on the wholesale side and
transactional branch banking on the retail side. The bank three key
business areas
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HDFC BANK
1.
WHOLESALE BANKING SERVICES

The Bank's target is primary large blue-chip manufacturing companies
in the Indian corporate sector and to a lesser extent, emerging mid
sized corporate. For these corporate the Bank provides a wide range
of commercial and transactional Banking services including working
capital
finance
trade
services,
transactional
services,
cash
management etc. The Bank is also a leading provider of structure

solution which combine cash management services with vendors and
distributor finance for facilitating superior supply chain management for
its corporate customers. Based on its superior product delivery service
levels and strong customer orientation, the Bank has made significant
in roads into the Banking consortia of a number of leading India
corporate including Multinationals, Companies from the domestic
business house and prime public sector companies. It is recognized as
a leading provider of cash management and transactional Banking
solutions to corporate customers, Mutual Funds, Stock Exchange
Members and Bank.
2.
RETAIL BANKING SERVICES:

The objective of retail bank is to provide its target market customer a
full range of financial products and banking service, giving the
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HDFC BANK
customer a one-stop window for all his/her banking requirements. The

products are backed by world-class services and delivered to the
customers through the growing branch network as well as though
alternative 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 program have been designed keeping in mind heads of
customers who seek distinct financial solutions information and advice
on various investment avenues. The also had a wide array of retail ban
products including auto loans, loans against marketable securities,
personal loans and loans for two wheelers. It is also a leading provider
of depository service to retail customers offering customers the facility
to hold their investments in electronic form. HDFC Bank was the first
bank in India to launch an international debit card in association with
VISA ( 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 purchase at a merchant establishment, in India and overseas.
The 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 acceptance at merchant establishments. The bank is
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HDFC BANK
well positioned as a leader in various net based B2C opportunities

including a wide range of interest banking services for fixed deposit,
loans, bill payments etc.
(C)
TREASURY OPERATIONS
Within this business the bank has three main product areas foreign
exchange and derivative, local currency, money market & debt
securities and equities. With the liberalization of the financial market in
India, corporate need more sophisticated risk management information
advice and product structure. These and find pricing on various
treasury product are provided through the bank treasury team.
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HDFC BANK
BOARD OF DIRECTOR
Mr. Jagdish Capoor, (Chairman)

Mr. Aditya Puri, (Managing Director)
Mr. Keki Mistry
Dr. Venkat Rao Gadwal
Dr. Vineet Jain
Mrs. Renu Karnad
Mr. Arvind Pande
Mr. Ranjan Kapoor (Resigned w.e.f. 29th March, 2006)
Mr. Bobby Parikh (w.e.f. Jan. 9, 2004)
Mr. Ashim Samanta
VICE PRESIDENT AND COMPANY SECRETARY
Mr. Sanjany Dongre
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
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HDFC BANK
Website : www. hdfcbank.com

AWARDS AND ACHIEVEMENTS - BANKING SERVICES-2005-06
"Best Bank in India' - 2005 Business Today- KPMG Survey.

"Best Domestic commercial Bank' & "Best Cash Management
Bank" India - Asiamoney Awards for Corporate Excellence 2004-05.
"Best Bank" - India- Finance Asia
"Company of the Year"- The Economic Times Awards for Corporate
Excellence 2004-05.
"Best Domestic Bank in India"- The Asset Triple a Country Awards
2005.
Most Customer Responsive company - Banking and Financial
Services" - The Economic Times - Avaya Global connect customer
responsiveness Awards 2005.
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HDFC BANK
HIGHLIGHTS
(FINANCIAL YEAR 2003-04)
1. Profit after tax up by 665, 56 to Rs. 870,78 lacks.

2. Earnings per share increases from Rs.22.92 to Rs.27.92.
3. Dividend per share increases from Rs. 4.50 to Rs. 5.50 (proposed)
4. Branch network up from 231 to 535 outlets.
5. ATM network up from 732 to 1323.
6. Phone banking coverage in 189 cities.
7. Point of sale (pos) teminals at merchant outlet up from 21800 to
26400.
8. Balance sheet size up from Rs.73, 506, 39 crores to Rs. 51, 42,9,00
crores.
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HDFC BANK
Profit After Tax (Rs. Crore)
1000
871
800
600
666
East
510
West
400
North
200
0
2004
2005
2006
Findings: Average annual growth rate is increased by 180.5% per year
Dividend Per Share (Rs.)

600
550
500
400
450
350
East
300
West
200
North
100
0
2004
2005
2006
Findings: DPS is increase by 100% per year
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HDFC BANK
Dividend Per Share (Rs.)

600
550
500
400
450
350
East
300
West
200
North
100
0
2004
2005
2006
Saving Deposit (Rs. Crore)

20000
16186
15000
11418
10000
East
West
North
7804
5000
0
2004
2005
2006
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HDFC BANK
ATM's
1400
1200
1000
800
600
400
200
0
1323
1147
910
2004
East
West
North
2005
2006
ATM's
1400
1200
1000
800
600
400
200
0
1323
1147
910
2004
East
West
North
2005
2006
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HDFC BANK
BALANCE SHEET AT 31ST MARCH, 2006

(Rs. Lacs)
Capital & Liabilities
Schedule
Capital
Reserve & Surplus
Employees stock options
1
2
31314
498639
7
30988
420997
43
3
4
5579682
285848
170200
784949
3635425
479001
50000
526446
7350639
5142900
330661
361239
265013
182387
2839396
3506126
85508
227709
7350639
21478234
282889
1934981
2556630
70832
133057
5142900
14077715
254968
(grants) outstanding
Deposits
Borrowings
Subordinated debt
Other liabilities &
As at 31-3-06
As at 31-03-05
provisions
Total
Assets:
Cash & balance with RBI
Balances with Bank &
6
7
money at call & short

notice
Investments
Advances
Fixed Assets
Other Assets
8
9
10
11
Total
Contingent liabilities
Bills for collection
12
SOURCE: Annual Report of HDFC BANK (2005-06)
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OBJECTIVE OF THE STUDY
To study awareness regarding HDFC Bank, Ynr.

To explore various schemes offered by HDFC Bank.
To know which is the most popular scheme of the bank.
To know promotional efforts made by the bank to attract customers.
To know problems faced by the customers in the bank.
To find out awareness level & reaction of customers towards direct
banking channels provided by bank.
To find causes of dissatisfaction, if any, about Direct Banking
Channels.
To provide suggestions for improvement in different schemes provided
by HDFC Bank.
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HDFC BANK
RESEARCH METHODOLOGY
"Research comprises of defining & redefining hypothesis or suggested

solutions, collecting, organizing & evaluating data making deductions &
reaching conclusion"-Cliford Woody.
The term research Methodology here comprises of all research
activities carried on in connection with the "Analysis of various schemes
under Saving, FD and Demat account provided by HDFC Bank".
The basic purpose of research methodology is to describe the
research procedure. It helps the researches to adopt the right way to move
on for carrying the study.
STEP IN RESEARCH PROCEDURE

Defining and analyzing the problem.
Determining sources of information
Preparing data collection format
Collection of data
Analysis of data
Interpretation of data
Preparation of report
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HDFC BANK
RESEARCH DESIGN
A research design is like arrangement of conditions for collections &
analysis of data in a manual that aims to combine relevance to the research
purpose with economy in procedures.
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
conceptual structure within which the research is conducted. It constitutes
the blue print for the collection, measurement & analysis of the data.
The research design with help to answer the following questions :

Why the study is being made ?
From where the data needed can be collected ?
What time is required for the study to be competed & how much
material is needed.
What will be the technique for data collections?
How the data can be analyzed?
How the answers to above questions can be found with minimum
efforts, time & money?
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HDFC BANK
TYPES OF RESEARCH DESIGN

Exploratory Research Design
These designs are the first step to start any research & are absolutely
essential to obtain the proper definition of the problem. It helps in classifying
the concepts of the study. The major emphasis is the discovery of ideas and
insights by study the available information.
DESCRIPTIVE RESEARCH DESIGN

These are concerned with describing the characteristics of a
particulars phenomenon in detail the descriptive
study requires a clear
specifications of who, what, when, where, why & how aspects of research.
The methodology adopted to achieve the project objective involved
descriptive research method.
SAMPLE DESIGN
The stratified sampling technique was used for collecting information in
this technique population is divided into stratas (homogenous group) and
then sample is obtained from each group by simple random method.
Somewhere convenient sampling was also used where the sample is
selected by the researches on the basis of his or her convenience.
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HDFC BANK
BANK CONSULTED :
HDFC Bank
No of persons consulted
100
RESPONDENTS INCLUDED :
HDFC staff, customers, persons from Yamuna Nagar & Jagadhri.
RESPONDENTS BELONG TO DIFFERENT PROFESSIONS

Chartered Accountant
Lecturers & Teachers
Doctors
Others
AREA COVERED
Schools & colleges
Offices
Market places
Hotels & Restaurants.
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HDFC BANK
SOURCES OF DATA COLLECTION

To make the research complete it is very necessary to have useful and
authentic data there are two types of data collection sources.
PRIMARY SOURCE OF DATA COLLECTION

Primary data are those which are collected afresh & for the first time, &
this happens to be original in character. Simple well drafted questionnaire
was circulated among all respondents. Full freedom was provided to an
individual to answer the questions.
Personal & Telephonic Interviews, observation, personal opinion &
viewpoints of the respondents about the various schemes helped in
completion of the project.
SECONDARY SOURCES OF DATA COLLECTION:

These are those which are collected by someone else & which have
been passed through statically process.
Brochures, Manuals, Journals, Magazines, Site of HDFC Bank and
various Articles provided lot many inputs for successful completion of
project
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HDFC BANK
VARIOUS SCHEMES OF BANK
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HDFC BANK
CURRENT ACCOUNT
It is running and account which may be operated upon any number of

times during a working day. There is no restriction on the number and the
amount of the withdrawals from a current account. As the banker is under an
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
choice of current account option. The current account of HDFC is of four
types, which are as follows :
Regular current account
Premium current account
HDFC Bank Trade
HDFC Bank Plus
REGULAR CURRENT ACCOUNT

FEATURES
A minimum average quarterly balance is Rs.10,000/-.
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HDFC BANK
First Cheque book is free

Free ATM card, phone banking, net banking and mobile banking
Any body can open this account except minor
30 transaction through ATM per month are free
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.
Monthly statements are send free to customers.
PREMIUM CURRENT ACCOUNT

FEATURES
A minimum Avg. quarterly balance is Rs.25,000
All Cheque books are free
Free service
One ATM card per account (only for individual/proprietorship A/c)
Replacement incase of damaged card
Monthly statement
Net banking, phone banking & mobile banking
For non-maintenance of AQB Rs.900 per quarter are charged.
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HDFC BANK
COMPARATIVE TABLE
(Regular & Premium current A/c)
Feature
Current A/c Regular
Current A/c
premium
Who can open
Anybody except
Anybody except-
Initial deposit
minor
Rs.10,000
minor
Rs.25,000
required
Minimum Avg.
Rs.10,000
Rs.25,000
Rs.750/- per quarter
Rs.900 per quarter
Quarterly Balance
(AQB)
Service charges for
non maintains of AQB

Cheque book
One book free
All Cheque book free
containing 50 leaves
additional Cheque
ATM Card
leaf at Rs.2/For individual /sole
For individual / sole
Interest payable
proprietorship A/c
NIL
proprietorship A/c
Nil
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HDFC BANK
HDFC BANK TRADE

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
Minimum average quarterly balance is Rs.40,000
At par payable Cheuqe books are free
Free pay order payable in each location. To be issued from home
branch.
Free demand drafts payable at HDFC Location up to 30 per quarter.
Free ATM card for individual/sole proprietorship
Free online, real-time net banking
All Cheque books are free
Free intercity fund transfer up to Rs.25 lacs
In case of non-maintains of AQB charges are Rs.1200 per quarter.
Cheque book is issued @Rs. 5 per leaf for those accounts which are
not maintaining the AQB.
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HDFC BANK
HDFC BANK PLUS

The product is a current account which is based on the concept of
signal account, most location banking.
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
through this account.
This result in huge savings on intercity movements of funds and their
service charge.
FEATURES
Minimum average quarterly balance is Rs. 1,00,000/- per quarter.
Fund transfer between the other locations is free up to 100 lacs per
month.
Free pay order and demand drafts of HDFC Bank location.
Free phone banking, net banking and mobile banking.
At per Cheque facility.
Cheque book will be issued @ Rs.5 per leaf for accounts which are not
maintaining the required AQB.
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HDFC BANK
SAVING ACCOUNT
The e-age saving account from HDFC Bank brings a comprehensive

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
and use on ATM/Debit card for withdrawls.
FEATURES
INTEREST RATE
It is calculated at the sale of 3.5% per annum, credited to customer's
account at quarterly intervals interest is based on the minimum balance in
the 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
The statements are sent to the mailing address of account holders on
March 31st, June 30th, Sept. 30th and December 31st of every year. The
monthly statements, duplicate statements, certificate of balance are
available at a free.
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HDFC BANK
COLLECTION OF CHEQUES
Third day credit in local clearing.
11th day credit in outstation collection if HDFC location is free (charge
Rs.1000 Min 50 Rs.)
Minimum of 21 days with charges in non HDFC location
ISSUANCE OF CHEQUE BOOK

First 25 cheque leaves are free then further are requested through
ATM or Branch.
AQB CHARGES
You have to maintain average quarterly balance of Rs.5000 else Rs.
750 per quarter are charged.
PERSONALIZED CHEQUE BOOK

To provide added security saving account cheque book comes with
customers name printed on it at no extra cost. In case of joint account, both
account holders name will be printed on the cheque book.
DD CHARGES
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HDFC BANK
Upto Rs.1,00,000
Upto Rs.2,50,000
Upto Rs.1,00,000
Upto Rs.2,00/1000
CLOSING CHARGES
If saving account is closed before 6 months, then 100 Rs, are charged
else no charges.
WHO CAN OPEN ?

Resident Individual (sole or joint)
Minor
Hindu Undivided Family
Trust, Association & Society.
WHO CANNOT OPEN?

Firms and Companies
Joint Account
Maximum of 3 can jointly open saving balance account
TDS
No TDS on saving account interest irrespective of the amount.
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HDFC BANK
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HDFC BANK
SERVICES
Free 24 hours ATM
Free Net banking
International Debit Card
Intercity/ Interbranch banking
Bill pay
Free phone banking
Insta alert service
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HDFC BANK
FREE 24 HOURS ATM
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
The maximum limit of withdrawal is Rs.10,000 per day.
Deposit cash/ cheques
Get mini statement of last 10 transactions
Request a cheque book : Cheque book is issued within working days
through ATM while in 11 working days through branch.
Transfer funds :- Inter branch through ATMSs is free.
Get in account balance
30 Transactions are free per month at ATM but if AQB is not
maintained then transaction is charged.
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HDFC BANK
INTERNATIONAL DEBIT CARD
HDFC Bank International debit card lakhs your shop and also withdraw
money from ATM Network.
LIMIT :
You can shop Upto a maximum limit of Rs.25,000 per day at 15,000
establishments in India and over 80 lakh establishments in 140 countries.
You can withdraw cash upto Rs.15,000 per day from over 1600 VISA/
PLUS ATMs in Inida and 5.3 lakh ATMs in 140 countries.
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HDFC BANK
NET BANKING
HDFC Bank allows safe & secure way to bank over the internet facilities
available.
Features
New FD Request
One can open FD Amount on interest
TDS Enquiry
One can make TDS enquiry on the funds
Get Demand Draft
DD can be requested without coming to branch & it will be couriered at
mailing address.
Funds transfer within your account
One can transfer funds between your account in different branches or
cities through interest.
Request for a new cheque book
Request for a new cheque book can be done online which will be
couriered at the mailing address.
Check Demat Account
One can check status of demat account on the net free of cost.
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HDFC BANK
There are no charges for getting various information on net while Rs.
100/- are charged for getting same information from branch.
CHARGES
Annual fee per card
Rs.100/ p.a.
Replacement of damaged card
Free
Replacement of lost card
Rs.100/-
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
In case card is cost/stolen, one is covered for any liability exceeding
Rs.500/- after you report the loss to the bank.
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HDFC BANK
ADDITIONAL CARD
Additional cards are available to joint account holder at an annual fee
of Rs. 100 per card. Annual fee has been waived for the first year on one
additional card.
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HDFC BANK
INTERBRANCH/ INTERCITY BANKING
Bank technology enables customers to access customer account from

any of banks branches in any city.
FEATURES :
Access your account from any branch
Withdraw cash from any branch
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.
Local cheque deposit and credit to your account in another city.
Cash withdrawal/ deposit by third party is strictly disallowed in
non -home branches in saving account such transaction can only
be done by the account holder.
Saving cheque book is not at par.
Inter branch banking through ATM is free
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HDFC BANK
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
sms one can do all banking transactions through mobile phone.
FEATURES
One can check account balance
Request cheque book
Open or enquire FD
Get DD
Transfer fund
Stop cheque payment
View last three transactions.
There are no charges for subscribers of Reliance and Escotel else
Insta.
Alert charges are there @ Rs.35 p.m. with insta Alert service one can
get regular updates on your account via sms of e-mail.
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HDFC BANK
INSTA ALERT SERVICE
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
Alert provides alerts for he following.
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
your salary gets credited.
UTILITY BILLS PAYMENT DUE

One gets instant SMS /e-mail reminders when your utility bill are due.
Debit/Credit transactions greater than Rs.5000/ 10,000/ 20,000/
50,000.
Weekly balance alert
Alert on balance below Rs. Rs.5000/ 10,000/ 20,000/ 50,000.
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HDFC BANK
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 because HDFC Bank will reach with every transaction information
as it happens when it happens.
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HDFC BANK
TYPE OF SAVINGS ACCOUNT
1.
ZERO balance saving account with FD of Rs. 25,000

If you open super saver account with a nominal sum of Rs. 25,000, you
need not maintain average quarter balance of Rs.5,000 in your saving
balance account you get access to zero balance savings account this
after opening super saver are account even in case one doesn't
maintain AQB of Rs.5,000 in saving balance account service charges
of Rs.750 per quarter are not applicable.
2.
Zero balance saving account with DF of Rs.50,000

If one open sweep in account with of Rs. 50,000/- which is
automatically linked to savings account he/she gets an access to zero
balance saving account i.e. on doesn't have the need to maintain
average quarterly balance of Rs.5,000/- is saving balance account an
even in case of non maintenance of AQB no service charges of Rs.
750/- per quarter are applicable one needs to maintain a minimum FD
of Rs.50,000/ at all times to avoid service charges.
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 get a superior banking experience and a host of value
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HDFC BANK
added services. An e-age banking account that is accessible 24 hours

a day, 7 days a week & 365 days a year. Through free net banking,
Mobile banking, phone banking, wide network of ATMs & branches
across the country employees get the convenience of having their
salaries credited directly a free international debit card, O/D facility plus
free Demand draft & preferential interest rates on personal loans.
Who it eligible ?
Avg. monthly salary
Minimum number of employees :
Rs.7,500 plus
15
FEATRUES
Zero balance saving account
Interest @ 3.5 p.a
Free intercity/ branch banking
Cash withdrawl
Cash deposit
DD Insurance
Cheque deposit
Free fund transfer.
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HDFC BANK
Discount on Loans
Free Demand Draft
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 or Net Banking at the branch. The amount of the DD will be
debited from the salary account.
Demat A/c
For first year Rs.100 p.a., then Rs.300 p.a.
Free net banking, mobile banking phone banking Personalized
cheque book
4.
DEFENCE PERSONNEL ACCOUNT

The corporate defence salary program is targeted at all serving
defense 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, preferential interest rates on loans.
FEATURES
Zero international debit card
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HDFC BANK
Free international debit card

Free DDs upto Rs.25,000 per instrument at home branch
Discounted rates of interest for asset products
Credit card at preferential rats
Locker facility offered at a 25% discount
Free bill pay facility
Free inter city banking
Personalized cheque book
Free net banking, mobile & phone banking
5.
TRUST ACCOUNT
Trust and societies enjoy the opportunities of opening savings
accounts that earn higher interest as compared to the confessional current

accounts which offer zero interest besides this a host of other advantages so
far available only on current accounts can now be enjoyed by trusts.
FEATURES
Free Net banking
Free Phone Banking
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HDFC BANK
Demat Account
Quarterly Statement of accounts
Intercity banking
Structured Cross-sell of Mutual Funds/ RBI Bonds & other financial
instruments.
HOW TO OPEN ?
1. One needs to open a savings account with a minimum initial pay in of
Rs 5,000.
2. Maintain an AQB of Rs.5,000.
3. Alternatively one can have a FD of Rs. 2 lakh which gives an access to
a zero balance savings account
6.
ZERO BALANCE KIDS ADVANTAGES SCHEME

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".
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HDFC BANK
With this zero balance kids advantage saving account linked to the fixed
deposit will be opened in the child's name.
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HDFC BANK
HOW TO OPERATE?
1. Standing interactions are given to transfer any amount from parents
saving account to kids saving account to kid's saving account every
month subject to a minimum of Rs.500.
2. Once the balance in kids advantage account exceeds Rs.10,000, the
amount in excess of Rs.500 will be transferred into an FD chosen by
the parent in child's name.
FEATURES :
1. Free insurance cover of Rs.1,00,000.
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
per day at merchant locations.
4. Personalized cheque book is issued for the child.
5. Quarterly statement of accounts is mailed in the child's name.
6. Free net banking for monitoring child's and parent's accounts.
7. Free transfer of funds between child's and parents HDFC Bank saving
accounts.
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HDFC BANK
7.
FAMILY SAVING ACCOUNT
With HDFC bank family saving account family members can hold
individual accounts with the bank and these will be linked to give family
members more privileges maximum, of four accounts can be clubbed under
one group.
ADVANTAGE OF FAMILY SAVINGS ACCOUNT:

Individual family members accounts will be linked and treated as one
family savings accounts.
One need to maintain average quarterly balance (AQB) of just Rs.

25,000. thus one will be saved from monitoring individual AQBs.
FEATURES
Free International Debit card for all group members till the lifetime.
2 free DDs/MCs on HDFC Bank locations per month.
Cheque bounce protection (that it savings Account to savings Account
Sweep in from a nominated account).
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HDFC BANK
Free standing instructions for investment into MFs.

Cash delivery @ Rs.50/- per delivery upto Rs. 1 lakh against the
normal charge of Rs.100/ Free one view to access all accounts.
Free mobile banking
Free insta Alerts
Free bill pay
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HDFC BANK
CHARGES OF SAVINGS ACCOUNT
ATM CARDS
Free cards per account
Free
Rs.100
Anyone or survivor accounts are eligible for two cards

DEBIT CARDS
Annual fee per card
Free
(Annual fee waived for the First Year for one Additional Card. All sub-sequent
cards will be charged). :
+ 12.24 Service Tax
Free
Rs.100
CHARGES FOR NON HDFC BANK ATMS:

Balance Inquiry
Cash Withdrawal
Domestic
Rs.15 - 18/Rs.55/International
Rs.15 - 18/Rs.100/BOI/Canara Bank
N.A
Rs.100/SBI
N.A.
Rs.20
Anyone or survivor accounts are eligible for one card per account holder.
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HDFC BANK
STATEMENT OF ACCOUNT
Quarterly
Free
Duplicate Statement
Rs.100 per statement
For of statement free through phone banking.
ACCOUNT CLOSURE
Before 6 months
Rs.100
After 6 months
No charge
INTERBRANCH BANKING
THROUGH ATMs : Free access across all branches
Through tellers :
Non cash transactions
Free
Upto Rs.50,000 per day
Free
Above Rs.50,000 per day
Free
Rs.50
Cash Transactions :
DRAFT CHARGES
Drawn on branch locations
Upto Rs.25,000
Above Rs. 25,000 & upto Rs. 1 lakh : Rs. 2.50 per Rs. 1000 (min Rs.50)
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HDFC BANK
Above Rs. 1,00,000
Rs. 2 per Rs. 1000 (min Rs. -250, Max Rs.
5.000)
DRAWN ON NON BRANCH LOCATION :

Rs.50+ charges as below :
upto Rs.500
Rs.10
Above Rs.500 to Rs.1000
Rs.15
1000 -5000
Rs.25
5000 -10000
Rs.30
Above Rs.10,000 to Rs. 1 Lakh
Rs. 3 per/Rs. 1000
Above Rs. 1 laksh
Rs. 2 per 1000 (min Rs. 300)
Draft cancellation charges
Rs.50
OUTSTATION COLLECTION CHARGES

Re. 1/Rs. 1000 min Rs. 50
CHEQUE RETURN CHARGES

Rs. 250 - Insufficient FUNDS
Rs.300 - Insufficient Funds + Non Maintenance of AQB
Rs.50- Presenting Party.
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HDFC BANK
CHARGES FOR SAVING A/C CUSTOMERS NOT MAINTAINING

AQBS
1.
2.
3.
TRANSACTION
Reorder of cheque book
Cash transactions at the
CHARGES
Rs. 5 per charge leaf
3 free in the quarter Rs.60/- per
branch
(deposits + withdrawls)
Transactions for additional
Cash Transaction at the ATM

Deposits + withdrawls
transactions
5 free in the quarter Rs.30/- per
Transaction for additional
transactions
4
Phone banking
Rs. 30 per transaction
These charges will apply in the current quarter based on the AQB
maintained in the account in the pervious quarter
*NET BANKING :- No Charges
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HDFC BANK
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
specified period chosen be the depositor.
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 is forfeited if the FD is broken before 15 days but there are no
penality charges. Interest is charged from the day when FD is open.
SUPER SAVER ACCOUNT

It is an overdraft facility with super saver account. One earns a high
interest on FD and at the same time enjoys the liquidity associated with
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HDFC BANK
savings account. Super saver account allows to issue cheques and an ATM
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
one continues to earn interest on full amount deposited in super save
account.
OPERATION
One can open super saver account with nominal balance of just
Rs.25000 an enjoys a temporary withdrawal of limit of upto 75% the deposit.
Even after withdrawal of a part of limit entire deposit continues to earn
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
money. One can take an overdraft simply by using a cheque or through an
ATM for overdraft limits greater than Rs.2 lakh overdract interest will be
charged at the bank's prime lending rate (PLR)
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
through saving account.
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HDFC BANK
In fact on opeening super saver account with nominal balance of

Rs.5,000, one need no maintain AQB of Rs. 5000 in savings Accounts no
service charges of Rs. 750/- are applicable.
Higher the balance in super saver account, and shorter the period for
which one withdraws the money, higher the returns.
FEATURES
One can open super saver account with nominal balance of just
Rs.25000 an enjoys a temporary withdrawal of limit of upto 75% the deposit.
Even after withdrawal of a part of limit entire deposit continues to earn
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 charged at the bank's prime lending rate (PLR).S
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
through saving account.
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HDFC BANK
In fact on opening super saver account with nominal balance of

Rs.25000, one need no maintain AQB of Rs. 5000 in savings Accounts even
if AQB of Rs. 5000 is not maintained in savings account no service charges
of Rs. 750/- are applicable.
Higher the balance in super saver account, and shorter the period for
which one withdraws the money, highest the returns.
Free ATM card

Personalized cheque book
Overdraft on current account against your FD
One gets an overdraft on current account against fixed deposits with
the bank.
Eligibility
Super saver account should be offered to Individual or HUF saving
account holders.
SWEEP IN ACCOUNT
In this scheme the fixed deposit is linked to a zero balance savings
account. In the event customers saving account is short of funds, the FD is
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broken and the required fund is transferred into the savings account and one
can withdraw this amount through ATM card or cheque.
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.
OPENING OF SWEEP IN 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
are applicable in case of non maintenance of AQB of Rs.5000 in saving
account.
One needs to maintain a minimum FD of Rs.50000 at all times to avoid
service charges. In case of non maintenance of Rs.50,000 in FD, saving
Account will be subject to service charges of Rs.750 per quarter in case of
non maintained of AQB saving account needs to be opened with an initial
amount of Rs.5000.
When one opens sweep in account , FD is automatically linked to a
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
into savings accounts.
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Sweep in account ensures that customers never have to face the

embarrassment of a returned cheque or insufficient funds is their account
based on their instructions, HDFC Bank automatically transfer required
amount from FD to saving account.
SWEEP IN WITH CURRENT ACCOUNT

In this case current accounts is linked to Fixed Deposit but AQB
balance applicable to the current account needs to be maintained
irrespective of the value of the fixed deposit. Service charge applicable
would be as per the current account selected. Only in case of short of funds
in current account required amount is transferred from fixed deposit to
current account.
FEATURES :
Fixed Deposit are maintained in units of Rs.1/If one require funds in savings account the exact amount needed is
swept into savings account, thus minimizing interest loss.
Not Penalty Charges

There are no penalty charges for breaking Fixed Deposit to savings
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
rate till maturity.
Linking of new Fixed deposits and savings account

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
first and the latest fixed deposit is broken last.
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 interest rate applicable on the maturity date.
Eligibility
An individual (single as joint) can open this account
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INTEREST RATES FOR FIXED DEPOSIT

Period Year & Above
15-29 days
30-45 days
46-60 days
61-90 days
91-180 days
6 Months 1 day -1 year
1 year 1day - 2 yrs.
2 years 1 day- 3 yrs
3 yrs 1 day - 5 yrs
5 yrs 1 day - 8 yrs
Amt.
Below Rs. 15 Lacs
Below Rs. 15 Lacs
Below Rs. 15 Lacs
Below Rs. 15 Lacs
Below Rs. 15 Lacs
Below Rs. 15 Lacs
Below Rs. 15 Lacs
Below Rs. 15 Lacs
Below Rs. 15 Lacs
Below Rs. 15 Lacs
General
Senior Citizen
5.50%
5.50%
5.50%
5.50%
6.00%
6.50%
7.00%
7.00%
7.25%
7.25%
(60
5.75%
5.75%
5.75%
6.00%
6.25%
6.75%
7.25%
7.25%
7.50%
7.50%
KID's ADVANTAGE ACCOUNT
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.
ADVANTAGES OR FEATURES OF KID ADVANTAGE A/c

1. Free education insurance cover of Rs.1,00,000.
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
will be issued in the child's name with guardian permission.
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4. The amount your child is able to withdraw or spend on the ATM/

International Debit Card is Rs. 2500 per day (Rs.1500 at ATMs), Rs.
1000 at merchant locations.
5. Personalized Cheque book for your child
6. Quarterly statement A/c in your child's name.
7. Free fund transfer of funds between HDFC Bank saving A/c and KID's
Advantage Account.
8. Free Net Banking Monitoring Childs and parent's account
FEES
If the balance in child's FD A/c fall below Rs.25000, non-maintenance
changes as applicable in the regular saving with the will be apply.
HOW TO OPEN KAA

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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Standing instruction are give to bank to transfer any amount from

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
excess of Rs.5000 will be transferred into FD for 1 year 1 day in parents/
guardian's child name.
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CREDIT CARD
The HDFC Bank provides two types of credit card :

1. International Silver Credit Card
2. International Gold Credit Card
INTERNATIONAL SILVER 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
points, low interest rate & more.
The following are the main feature the silver credit card :
World Wise Acceptance :
The card is accepted at over 18 million VISA merchant establishment
around the world (including 1,10,000 VISA merchant establishment in India)
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
VISA ATMs, at any time of the day or night.
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Comprehensive Insurance :
With the credit card the customer can get an unmatched feeling or
security. It's carefully crafted insurance package offers comprehensive
coverage against the significant risk the customer exposed to:
Lost Card Liability :

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.
Tele Ticketing & Travel Benefits :

The customer comes with thoughtful travel features such as attractive
discount of 5.5% on International and 3.5% on domestic airline tickets and
delivery of your air and rail tickets at your doorstep.
24 Hours Customer Call Center :

If the customer works any clarification of information, during and time
of the day or night just call at 24 hour customer call center.
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HDFC BANK
Reward Programme
The reward programme is very attractive feature provided by HDFC
Bank on international silver credit card. The customer is provided a facility to
earn 2 reward points for every Rs.100 the customer spend on his card, with
this exciting reward programme which can be accumulated and redeemed at
a later date.
INTERNATIONAL GOLD CREDIT CARD

Limit Rs.40,000 -
Rs.3,00,000
Accepted the World Over :

The HDFC Bank International Gold Card is accepted at over 18 million
VISA merchant establishment around the world, including 1,10,000 merchant
establishment in India.
Cash Advance :
The customer can withdrawal 40% of the limit at a very nominal
charges.
Credit Period :
Our card now gets you the highest interest free credit period of up to
55 days from the date of purchase.
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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.
Lost Card Liability :

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 customer by providing the following type of insurance package:
Nature of Risks
Air Accident
Road/railway account
Hospitalized due to accident
House hold
Purchase protection
Insurance coverage
Rs. 25 lacs
Rs. 3 lacs
Upto Rs. 50,000
Upto Rs. 75,000
Upto Rs.50,000 for 180 days
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Travel made convenient :

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%
on domestic and 5.5% on international air tickets.
Global travel related Insurance :
For a hassle free travel there are a host of travel-related insurance
covers on your card.
Delayed Flight :
If the holder's flight gets delayed beyond 12 hours from its scheduled
departure time then he would be reimbursed up to Rs.15000 for international
flight and upto Rs. 5000 for domestic flights.
Loss of Passport/Visa :
During international travel if you happen to loss your passprot/Visa you
would be reimbursed expenses incurred in obtaining to a limit of Rs.25,000.
Add-On - Card :
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HDFC BANK
Share the various benefits and they joy of owing our card with loved
ones by availing upto 3 add on cards.
ANALYSIS & INTERPRETATION
Q.1. How did you come to know about HDFC Bank?

To know about the HDFC Bank
Sources
Friends
Marketing
Advertisement
Exhibitions
Others
Percentage of respondents
35
40
10
10
5
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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HDFC BANK
PERCENTAGE
SOURCES OF AWARENESS
40
35
40
35
30
25
20
15
10
10
10
5
5
0
Friends
Marketing
ADS
Exhibitions
SOURCES
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Other
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HDFC BANK
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HDFC BANK
Q. 2. Whom did you contact first in HDFC Bank.

To contact First in HDFC Bank.
Percentage of Respondents
40
55
5
PERCENTAGE
Helping Group
Marketing Executives
HDFC Branch
Others
HELPING GROUP
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HDFC BANK
Q.3.
Which factor plays an important role while opening an account?

Factors that play an important role.
Factors
Advertisement
Special Offer
Operational Staff
Convincing Power
of executives
Credibility of Bank
Percentage of the Respondents

20
30
15
20
15
After conducting the survey advertisement plays 20%, Special Offer

plays 30%, Operational Staff plays 15%, Convincing Power of Executives
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
while opening an account according to the respondents.
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HDFC BANK
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HDFC BANK
Q.4.
Which product do you use the most?

Product Used the most.
Product Name
Saving A/c
Current A/c
Fixed Deposit
Others
44
22
28
6
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
product of HDFC Bank by respondents.
This can be shown by this Graph.
Other
6%
% of Respondents
FD
28%
Saving
44%
Current
22%
Q.5.
Which FD Scheme is most popular?
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Saving
Current
FD
Other
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HDFC BANK
Most popular FD scheme
FD Scheme
Reinvestment
Super Saver
Sweep in A/c

30
45
25
This Table shows that people are using reinvestment are 30%, Super
Saver are 45% and Sweep in A/c are 25%.
Thus the study shows that Super Saver is the most popular FD
Scheme by the respondents.
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HDFC BANK
Most Popular FD Scheme
% of Respondents
45
PERCENTAGE
50
40
30
30
25
20
10
0
Reinsvestment
Super Saver
FD SCHEMES
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Sweepin
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HDFC BANK
Q.6.
Are you able to maintain AQB of Rs. 5000 in saving account?

Percentage of the respondents maintaining AQB.
Yes
65
Percentage of the respondents

No
35
This can be shown by this Graph.
% of Respondents
70
65
PERCENTAGE
60
50
35
40
30
20
10
0
Yes
No
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HDFC BANK
Q.7.
Which of the following facilities Direct Banking Channels (DBC) you

avail the most?
Availing the most, DBC facilities.
DBC Facilities
ATM
Phone Banking
Net Banking
Mobile Banking

45
10
25
20
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HDFC BANK
PERCENTAGE
PERCENTAGE OF RESPONDENTS
45
40
35
30
25
20
15
10
5
0
45
35
20
10
ATM
Phone
Net Banking
Mobile
Banking
DBC FACILITIES
Thus study shows that ATM is the most preferred Direct Banking
Channel by the respondents.
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HDFC BANK
Q.8. What are the causes for not using any of the Direct Banking
Channels?
Causes responsible for not using DBC
Causes
Unwareness
32
Lack of Knowledge
42
Feel more secure while
21
banking personally
Unsatisfied
5
% of Respondents
Feel more
secure banking
personal
21%
Lack of
Knowledge
42%
Unsatisfied
5%
Feel more secure

banking personal
Unsatisfied
Unawareness
Lack of Knowledge
Unawareness
32%
This Graph shows that the main cause for not using DBC by
respondents is lack of knowledge.
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HDFC BANK
Q.9. How will you rate performance of direct banking channels you are
using?
Rate performance of the DBC.
Performance of DBC
Best
Good
Fair
Poor
Very Poor

40
30
20
7
3
% of Respondents
Poor
7%
Very Poor
3%
Fair
20%
Best
40%
Best
Good
Fair
Poor
Very Poor
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
very poor in its performance.
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HDFC BANK
Q.10.
How would you rate performance of HDFC Bank?

Rate performance of HDFC Bank.
Rate Performance
Best
Good
Fair
Poor
Very Poor
Poor
3%

40
35
20
3
2
Very Poor
2%
% of Respondents
Best
40%
Fair
20%
Best
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.
Yes
45
No
55
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HDFC BANK
PERCENTAGE
% of Respondents
55
60
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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HDFC BANK
Q.12.
Why do you prefer HDFC Bank?

Preferred HDFC Bank.
Facilities
Better
Plan
Selusen
Agents
Others
Percentage
20
30
30
15
5
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HDFC BANK
% of Respondents
30
30
PERCENTAGE
30
25
20
20
15
15
10
5
0
Better
Plan
Selusen
Agents
Others
FACILITIES
This Graph shows that 20% respondents preferred HDFC Bank
because of Better Facilities, 30% because of Better plan, 30% because of
Selusen, 15% because of agents and 5% because of other facilities.
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HDFC BANK
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
of Shares
Phone Banking
20
Bills Pay
40
Other
30
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HDFC BANK
SWOT ANALYSIS
STRENGHTS :
It has an extensive distribution network comprising of 319 branches in
166 cities & one international office in Dubai this provides a
competitive edge over the competitions.
The Bank has a strong retail depository base & has more than million
customers.
Bank boasts of a strong brand equity.
ISO 9001 certification for its depository & custody operations & for its
backend processing of retail operation & direct banking operatiosn.
The bank has a near competitive edge in area of operations.
The bank has a market leader in cash settlement service for the major
stock exchanges in its country.
HDFC Bank is one of the largest private sector bank working in India.
It has a highly automated environment in terms of information
technology & communication system.
Infrastructure is best.
It has many innovative products like kids Advantage scheme, Demat,
NRI services.
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HDFC BANK
WEAKNESS :
Account opening and delivery of cheque book take comparatively more
time.
Lack of availability of different credit products like CC Limit, Bill
discounting facilities.
OPPORTUNITY :
Branch expansion
Door step services
Greater liberalization in foreign ownership via FDI in Indian Pvt. Sector
Banks.
CC/ OF Facilities.
Infrastructure improvements & better systems for trading & settlement
in the govt. securities & foreign exchange markets.
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.
Some Pvt. Banks have 7 days banking.
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HDFC BANK
SUGGESTIONS
Promotional efforts like advertisement canopies, increase in number of

marketing executive, distribution of brochures, sponsoring various
shows & function should be increased to increase awareness about
HDFC Bank and its products and attract customers.
Online trading of shares should be started for Demat A/c holders.
Service charges for non maintenance of AQB in savings account
should be decreased.
To demonstrate the use of direct banking channels (DBC) Like ATM,
phone banking, net banking,
Mobile banking to the customers to remove their queries and problems
regarding DBC.
For account opening and delivery of welcome kit, time should be
reduced.
The bank should provide for regular and frequent calls to their
profitable customers to retain clientele & to make them feel more
comfortable and attached to the bank (CRM)
HDFC Bank should also bring a new feature of CC (Cash credit) limit.
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HDFC BANK
LIMITATION OF THE STUDY
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
understood in a proper respective :
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.
Some of the respondents of the survey were unwilling to give
information.
Sometimes wrong information was provided by respondents which
needed to be cross checked & verified.
Chances of biasness are there because of the use of convenient
sampling.
Some respondents were not available and thus needed data could not
be found.
It is fully computerized bank everything is centralized at there Bombay
Headquarter. Each & every formality is justified on the request from
Bombay Headquarter such as PIN request for ATM, TIN for phone
Banking using new cheque book, any problem in account etc.
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HDFC BANK
CONCLUSION
35% of respondents came to know about bank through friends while

5% through marketing executives 10% through ads and exhibitions.
40% of respondents contracted marketing executives for the first time
in the bank while 55% contracted directly HDFC Branch.
80% of respondents received introductory calls by the bank.
40% of respondents agreed that they interacted 2 times while opening
their account while 20% agreed that they interacted zero and grater
than 3 times respectively.
Special offer with the products played an important role while opining
an account as 30% respondents and credibility of bank to which 20%
of respondents agreed respectively while 15% of respondents agreed
operational staff and convincing power of executives play important
role.
Saving account is the most important product Next comes FD, then
current and lastly Demat.
Super saver scheme is the most popular scheme in FD.
Around 65% of respondents are able to maintain their AQB of Rs.5000
in savings account.
80% of respondents are satisfied with their Demat A/c.
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HDFC BANK
ATM facility is used the most among all direct banking channels 45%
respondents agreed to this.
Lack of knowledge about DBC is the most important reason for not
using DBC. Also unawareness about them is the reason DBC
performance is rated as satisfactory.
HDFC Bank's performance is rated as satisfactory.
Executives have satisfactory knowledge about products.
55% of respondents faced no problem while maintaining their account.
HDFC Bank is preferred the most because of higher returns and better
plans and services.
85% of respondents agree that private sector banks are better than
public sector banks.
Respondents require new facilities as bills pay, phone banking, online
trading of shares.
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HDFC BANK
QUESTIONNAIRE
NAME
AGE
SEX
OCCUPATION
PHONE NO.
1.
How did you come to know about HDFC Bank?

Friends
2.
Marketing
Ads
HDFC Bank
No
How many times did you interact while opening an account?

Zero
5.
One
Two
Three
More than three
Which factor play an important role while opening an account?

Advertisement
Special Offers
Convincing power of executives

6.
Other
Did you receive any introductory call by the Bank?

Yes
4.
Other
Whome did you contact first is HDFC Bank?

Marketing Executives
3.
Exhibitions
Operational Staff
Credibility of bank
Which product do you use the most?

Saving Account
Current Account
FD
Others
7.
Which FD scheme is most popular?

FD
Super saver a/c
Sweep in account
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HDFC BANK
8.
Are you able to maintain AQB of Rs. 5000 in savings account?

Yes
9.
No
Which of the following facilities Direct Banking Channels (DBC) you

avail the most?
ATM
10.
Net Banking
Mobile Banking
What are the causes for not using any of the Direct Banking channels?
Unawareness
Unsatisfied
11.
Phone Banking
Feel more secure while banking personally

Lack of knowledge about use
Others
How will you rate performance of direct banking channels you are
using?
12.
13.
Best
Good
Poor
Very Poor
Fair
How would you rate clarify of products by executive in the bank?

Best
Good
Poor
Very Poor
Fair
How would you rate performance of HDFC bank?

Best
Good
Poor
Very Poor
Fair
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HDFC BANK
14.
Did you face any problems while maintaining your account at bank?
If 'yes' please mention what problems you faced.
Yes
No
15.
16.
Why do you prefer HDFC Bank?

Better services
Better returns
Attractive Plans
Agent Known
Others
Do you think private sector banks are better than public sector
banks?
Yes
17.
No
What extra service would you like to avail from the bank?
________________________________________________________
_______________________________________________________.
18.
Suggestion: ________________________________________________________
_______________________________________________________.
PLACE:_________________
DATE:__________________
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HDFC BANK
BIBLIOGRAPHY
Books:
Research Methodology
-By C.R. Kothari
Business Research and Methods
-By Donal R.& Schindler, cooper
Marketing Management
-By Philip Kotler
Magazine:
Business Today
Business World
Annual Report of HDFC Bank

Manuals
Brochures
Websites
www.hdfcbank.com
www.indiainfoline.com
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HDFC

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Early phase from 1786-1969.

Nationalization of banks and up to 1991 prior to banking sector

New phase of Indian banking with the advent of financial banking.

India Company established there banks, The bank of Bengal in 1809,

In the wake of Swadeshi Movement, number of banks with the Indian

CLASSIFICATION ON BASIS OF OWNERSHIP

On the basis of ownership banks are of the following types :

PUBLIC SECTOR BANK

PRIVATE SECTOR BANKS

ACCORDING TO RESERVE BANK OF INDIA ACT 1935

NON SCHEDULED BANK

CLASSIFICATION ACCORDING TO FUNCTION

On the basis of functions banks are classified as under :1.

FOREIGN EXCHANGE BANKS

with that, they have to open branches in foreign countries to carry on

Agriculture co-operative banks, and

HOUSING DEVELOPMENT FINANCE CORPORATION

its experience in the financial markets, a strong franchise, HDFC was

Name of the Shareholders

No. of Shares % of Share

TIMES BANKS AMALGAMATION

approved by the share holders of both banks and Reserve bank of

provided to retail customers through the branch network and

The bank has made substantial efforts and investments in acquiring

WHOLESALE BANKING SERVICES

management etc. The Bank is also a leading provider of structure

RETAIL BANKING SERVICES:

customer a one-stop window for all his/her banking requirements. The

well positioned as a leader in various net based B2C opportunities

Mr. Jagdish Capoor, (Chairman)

Website : www. hdfcbank.com

"Best Bank in India' - 2005 Business Today- KPMG Survey.

1. Profit after tax up by 665, 56 to Rs. 870,78 lacks.

Findings: Average annual growth rate is increased by 180.5% per year

Dividend Per Share (Rs.)

Findings: DPS is increase by 100% per year

Dividend Per Share (Rs.)

Saving Deposit (Rs. Crore)

BALANCE SHEET AT 31ST MARCH, 2006

money at call & short

SOURCE: Annual Report of HDFC BANK (2005-06)

OBJECTIVE OF THE STUDY

To study awareness regarding HDFC Bank, Ynr.

"Research comprises of defining & redefining hypothesis or suggested

STEP IN RESEARCH PROCEDURE

The research design with help to answer the following questions :

TYPES OF RESEARCH DESIGN

DESCRIPTIVE RESEARCH DESIGN

study requires a clear

RESPONDENTS BELONG TO DIFFERENT PROFESSIONS