TRAINING PROJECT REPORT

ON
A Comparative study of Financial ratio in HDFC Kota

A training Project Report

Submitted in partial fulfillment of the requirements for the

Award of the degree of

Bachelor of business Administration

From University of Kota, Kota (Raj.)

Submitted By Project Guide:

Kajal Gupta Ms Deepika Vijayvargiya

(Studant ,BBA III Year) (Faculty , MIMT, Kota)

Modi Institute of Management and Technology

Kota, RAJASTHAN

( AFFILIATED TO UNIVERSITY OF KOTA,KOTA)

 A PROJECT REPORT ON

A Comparative study of Financial ratio in HDFC Kota

SUBMITTED By : SUBMITTED BY:

Kajal Gupta Ms Deepika Vijayvergiya

BBA 3RD YEAR Assit.Pro (MIMT)

IN PARTIAL

FULFILLMENT OF THE REQUIREMENTS FOR THE

BBA

Modi Institute of Management and Technology

Kota, RAJASTHAN
 CERTIFICATE

This to certify that work entitled Personal selling and

sales force management at Godrej &Boyce ltd. is a

bonfire work done by Mr. Rajendra kumar nagar carried out

under my guidance and supervision, in partial fulfillment of the

award of Master of Business Administration from ICFAI University.

Place: Jodhpur

Date: 01/08/2006

Dr. Preeti Singh

(Faculty Guide)
 DECLARATION

I am Kajal Gupta, a student of MIMT KOTA hereby declare that the research
Project report titled A Comparative study of Financial ratio in HDFC Kota

is my original work and the same has not been submitted for the award of any
other diploma or degree.

Place: KOTA

KAJAL GUPTA

Date:
 Acknowledgement

A project is comparative study of Financial Ratio Analysis in HDFC Bank .Even the best effort
may not prove successful without proper guidance. For a good project one needs proper time,
energy, efforts, patience, and knowledge. But without any guidance it remains unsuccessful. I
have done this project with the best of my ability and hope that it will serve its purpose.

To be or not to be is not anything which matters, how to be thankful is what really

matters

It was really a great learning experience and I am really thankful to my faculties, who not only
helped me in the successful completion of this report but also spread his precious and valuable
time in expanding my knowledge base.

I wish to acknowledge my gratitude towards MIMT, College, my friends and all those persons
who are responsible for the successful completion of this project.
 Executive Summary
Executive Summary of the Project
Commercial Banking in its very nature is a very complex industry. It has under its fold thousands
of different products for varied requirements of the customers, be it investments, Loans,
Safe Custody, in form of bank lockers etc. After an exhaustive research, we have found that there
are certain things HDFC Bank can do to enhance its Services experiences & build favorable
brand equity. The findings are enumerated below:

HDFC Bank & Cheques:

We recommend introducing the BAR Codes in the cheques for accurate & faster processing,
besides reducing the customers average wait time in the queue. The HDFC banking business runs
on Flex cube & Fin ware, both from I-Flex. During my tenure in Wipro Technologies (Support),
we in collaboration with I-Flex (Software Provider) created many new functions for CITI bank
as it also runs on Flex Cube.

Migration Of Accounts:
We recommend that the customers be able to PORT his/her a/c to different city without any
change in a/c no.. This way the customers will be freed from the hassles of opening a new a/c in
the new city. This will also boost the motivation of the Tellers as when the customers of different
branch deposit in a branch. This customer is un-welcome as his deposit does not accrue to the
branch.

HDFC Bank & Debit Cards

: We appreciate the Insta-Saving accounts offered by HDFC Bank, which has a Welcome Letter,
a Cheque Book, Internet Banking User name & Password & a Debit Card (Without Name) &
PIN. We recommend that a Debit Card with the Customers name engraved on it be sent to the
customer, post a performance check of the account, maybe after 3-6months. The debit card may
either be sent on permanent postal address of the customer or maybe delivered to his/her home
branch & the customer maybe intimated accordingly.

HDFC Bank & Internet Banking

:
HDFC Bank has a very advanced net banking security system. Its Net Banking login is a two-
step process with Secure Access image and text verification. However, we understand from our
research with large number of customers of the bank that
24 hours
for activation of the

BENIFECIARY
is a lot of time for online fund transfer. We recommend that anemail/sms/IVR call maybe sent
with the activation code for instantaneous activation.

HDFC Bank & Credit Card

: While going through the Process Control Manual of HDFC Bank, we found that once the Credit
Card has been rejected to the customer. He has to wait for 6 months to get eligible for re-
application. We recommend that the time limit be reduced to 3 months only as the customer may
have fulfilled the previous deficiencies.

Cash Pick up Vans

Our interaction with a large no. of Business men in Lal Chowk & Karan Nagarrevealed that they
wish bank comes to collect cash every EOD. They revealed it is hassle to visit bank every day for
cash deposits.

Main Branch Carpet Area:

 We have observed that the carpet area of main branch Residency Road isless & it becomes
chaotic & crowded during the busy hours. We recommend either to extend the existing area or
set up a new branch in LAL Chowk.
 LIST OF CONTENTS

S.No. Name of Contents Page

NO.
1. Company Profile 1-9

2. Project Profile 10-26

3. Research Methodology 27-33

4. Analysis & Interpretation 34-40

5. Swot Analysis 41-43

6. Conclusions 44-46

7. Suggestion 47-48

8. Bibliography 49-49