project_on_retail_banking_aparajita.doc

8/16/2019 Project_on_Retail_Banking_Aparajita.doc

1/71

A PROJECT REPORT ON

“Retail Banking in HDFC Bank”

Submitted by:

APARAJITA SEN GUPTA

Symbiosis University, Pune

POST GRADUATE DIPLOMA IN BUSINESS ADMINISTRATION


2/71

DECLARATION OF LEARNER

T!is is to de"#$re t!$t I !$ve "$rried out t!is %ro&e"t 'or( myse#) in %$rti$# )u#)i##ment o) t!e

PGDBA in *in$n"e Pro+r$m o) SDL-

T!e 'or( is ori+in$#, !$s not been "o%ied )rom $ny'!ere e#se $nd not been submitted to $ny

ot!er University.Institute )or $n $'$rd o) $ny de+ree.di%#om$-

D$te Si+n$ture

P#$"e: BANGALORE N$me: APARA/ITA SEN GUPTA

0


3/71

DECLARATION OF GUIDE

erti)ied t!$t t!e 'or( in"or%or$ted in t!is Pro&e"t Re%ort o) Retail Banking in HDFC Bank

submitted by Aparaita Sen G!pta is !er ori+in$# 'or( $nd "om%#eted under my +uid$n"e-

M$teri$# obt$ined )rom ot!er sour"es !$s been du#y $"(no'#ed+ed in t!e Pro&e"t Re%ort

D$te Si+n$ture o) Guide

P#$"e

1


4/71

A2NO3LEDGEMENT

I t$(e t!is o%%ortunity to e4%ress my dee% sense o) +r$titude, t!$n(s $nd re+$rds to'$rds $## o)

t!ose '!o !$ve dire"t#y or indire"t#y !e#%ed me in t!e su""ess)u# "om%#etion o) t!is %ro&e"t-

I %resent my sin"ere t!$n(s to Mr- Surendr$ Sin+! 5Br$n"! M$n$+er, B$n+$#ore6 '!o $##o'ed

me to t$(e tr$inin+ $t 7D* BAN2-

I 'ou#d $#so #i(e to t!$n( 7D* b$n( St$)) )or t!eir 'onder)u# su%%ort 8 ins%ir$b#e +uidin+-

D$te: 9 M$y 0, 0;<

P#$"e: 9B$n+$#ore

Si+n$ture

=


5/71

C"ntent#

- INTRODUTION < 9 0

- 7istory o) b$n(in+

-0 Mission, >ision $nd business str$te+y

-1 Bo$rd o) dire"tors 8 To% M$n$+ement-= Business !e$ds

-? 9A'$rds

-< Inte+r$ted )in$n"i$# servi"es-@ Business Se+ment

0 PRODUT O* 7D* BAN2

- A""ounts 8 De%osites

-0 Lo$ns

-1 $rds

-= Investment 8 Insur$n"e

-? *ore4 8 Tr$de servi"e

-< P$yment Servi"es

-@ Priv$te B$n(in+

1 DEPARMENT O* 7D* BAN2

- 7um$n Re"ourse De%$rtment-0 M$r(etin+ De%$rtment-1 *in$n"e De%$rtment

= S3OT ANASIS

? BIBLIOGRAP7

?


6/71

7ISTOR O* BAN2ING

B$n(in+ is ne$r#y $s o#d $s "ivi#i$tion- T!e !istory o) b$n(in+ "ou#d be s$id to !$ve st$rted 'it!

t!e $%%e$r$n"e o) money- T!e )irst re"ord o) minted met$# "oins '$s in Meso%ot$mi$ in $bout

0?;;B-- t!e )irst Euro%e$n b$n(notes, '!i"! '$s !$nd'ritten $%%e$red in


7/71

BAN'ING STRUCTURE IN INDIA(

In tod$ys dyn$mi" 'or#d b$n(s $re inevit$b#e )or t!e deve#o%ment o) $ "ountry- B$n(s %#$y $ %ivot$# ro#e in en!$n"in+ e$"! $nd every se"tor- T!ey !$ve !e#%ed brin+ $ dr$' o) deve#o%ment

on t!e 'or#ds !orion $nd deve#o%in+ "ountry #i(e Indi$ is no e4"e%tion-

B$n(s )u#)i##s t!e ro#e o) $ )in$n"i$# intermedi$ry- T!is me$ns t!$t it $"ts $s $ ve!i"#e )or movin+)in$n"e )rom t!ose '!o !$ve sur%#us money to 5!o'ever tem%or$ri#y6 t!ose '!o !$ve de)i"it- In

everyd$y br$n"! terms t!e b$n(s "!$nne# )unds )rom de%ositors '!ose $""ounts $re in "redit to

borro'ers '!o $re in debit-

3it!out t!e intermedi$ry o) t!e b$n(s bot! t!eir de%ositors $nd t!eir borro'ers 'ou#d !$ve to

"ont$"t e$"! ot!er dire"t#y- T!is "$n $nd does !$%%en o) "ourse- T!is is '!$t !$s #e$d to t!e very)ound$tion o) )in$n"i$# institution #i(e b$n(s-

Be)ore )e' de"$des t!ere e4isted some in)#uenti$# %eo%#e '!o used to #$nd money- But $subst$nti$##y !i+! r$te o) interest '$s "!$r+ed '!i"! m$de borro'in+ o) money out o) t!e re$"!

o) t!e m$&ority o) t!e %eo%#e so t!ere $rose $ need )or $ )in$n"i$# intermedi$te-

T!e B$n( !$ve deve#o%ed t!eir ro#es to su"! $n e4tent t!$t $ dire"t "ont$"t bet'een t!e

de%ositors $nd borro'ers in no' (no'n $s disintermedi$tion-

B$n(in+ industry !$s $#'$ys revo#ved $round t!e tr$dition$# )un"tion o) t$(in+ de%osits, money

tr$ns)er $nd m$(in+ $dv$n"es- T!ose t!ree $re "#ose#y re#$ted to e$"! ot!er, t!e ob&e"tive bein+

to #end money, '!i"! is t!e %ro)it$b#e $"tivity o) t!e t!ree- T$(in+ de%osits +ener$tes )unds )or

#endin+ $nd money tr$ns)er servi"es $re ne"ess$ry )or t!e $ttention o) de%osits- T!e B$n( !$ve

introdu"ed %ro+ressive#y more so%!isti"$ted versions o) t!ese servi"es $nd !$ve diversi)ied

introdu"tion in numer$b#e $re$s o) $"tivity not dire"t#y re#$tin+ to t!is tr$dition$# trinity

@


8/71

INDIAN BAN2ING SSTEM

Non-Schedule Banks

St$te "o9o%

B$n(s

ommer"i$#

B$n(s

entr$# "o9o%

B$n(s $ndPrim$ry r-

So"ieties

ommer"i$# B$n(s

Indi$n *orei+n

Pub#i" Se"tor

B$n(s Priv$te Se"tor B$n(s

7D*,III et"-

St$te B$n( o) Indi$

$nd its Subsidi$ries

Ot!er N$tion$#ied

B$n(s

Re+ion$# Rur$#

B$n(s

Reserve B$n( o) Indi$

S"!edu#e B$n(s


9/71

INDIAN BAN'ING INDUSTR) ANAL)SIS(

T!e b$n(in+ s"en$rio in Indi$ !$s been "!$n+in+ $t )$st %$"e )rom bein+ &ust t!e borro'ers $nd#enders tr$dition$##y, t!e )o"us !$s s!i)ted to more di))erenti$ted $nd "ustomied %rodu"t.servi"e

%rovider )rom re+u#$tion to #iber$#i$tion in t!e ye$r FF, )rom %#$nned e"onomy to m$r(et-

E"onomy, )rom #i"ensin+ to inte+r$tion 'it! G#ob$# E"onomi"s, t!e "!$n+es !$ve been s'i)t- A##

most $## t!e se"tor o%er$tin+ in t!e e"onomy '$s $))e"ted $nd b$n(in+ se"tor is no e4"e%tion to

t!is- T!us t!e '!o#e o) t!e b$n(in+ system in t!e "ountry !$s under+one $ r$di"$# "!$n+e- Let us

see !o' b$n(in+ !$s evo#ved in t!e %$st ?@ ye$rs o) inde%enden"e-

A)ter inde%enden"e in F=@ $nd %ro"#$m$tion in F?; t!e "ountry set $bout dr$'in+ its ro$d m$%

)or t!e )uture %ub#i" o'ners!i% o) b$n(s '$s seen inevit$b#e $nd SBI '$s "re$ted in F?? to

s%e$r!e$d t!e e4%$nsion o) b$n(in+ into rur$# Indi$ $nd s%eed u% t!e %ro"ess o) m$+neti$tion-

Po#iti"$# "om%u#sions brou+!t $bout n$tion$#i$tion o) b$n( in F


10/71

T!e ru#es o) t!e +$me under '!i"! b$n(s o%er$ted "!$n+ed in FF1- Norms or in"ome

Re"o+nition, Assets "#$ssi)i"$tion $nd #o$n #oss %rovisionin+ 'ere %ut in %#$"e $nd "$%it$#

$deCu$"y r$tio be"ome m$nd$tory- T!e "umu#$tive im%$"t o) $## t!ese "!$n+es !$s been on t!e

"on"e%t o) st$te o'ners!i% in b$n(s- It is in"re$sin+#y be"omin+ "#e$r t!$t t!e st$te o'ners!i% in

b$n( is no #on+er sust$in$b#e-

T!e $mendment o) b$n(in+ re+u#$tion $"t in FF1 s$' t!e entry o) ne' %riv$te se"tor b$n(s $nd

)orei+n b$n(s-

MA/OR PLAER IN INDIA

- 7D* BAN2 LTD

0- III BAN2 LTD

1- STATE BAN2 O* INDIA LTD

=- PUN/AB NATOINAL BAN2 LTD

?- BAN2 O* BARODA LTD

SA BAN2 LTD

F- IDBI BAN2 LTD

;- INDUSIND BAN2 LTD

- ES BAN2 LTD

;


11/71

INTRODUTION

T!e 7ousin+ Deve#o%ment *in$n"e or%or$tion Limited 57D*6 '$s $mon+st t!e )irst to

re"eive $n Hin %rin"i%#eH $%%rov$# )rom t!e Reserve B$n( o) Indi$ 5RBI6 to set u% $ b$n( in t!e

%riv$te se"tor, $s %$rt o) t!e RBIHs #iber$#i$tion o) t!e Indi$n B$n(in+ Industry in FF=- T!e

b$n( '$s in"or%or$ted in Au+ust FF= in t!e n$me o) H7D* B$n( LimitedH, 'it! its

re+istered o))i"e in Mumb$i, Indi$- 7D* B$n( "ommen"ed o%er$tions $s $ S"!edu#ed

ommer"i$# B$n( in /$nu$ry FF?- 7D* is Indi$Hs %remier !ousin+ )in$n"e "om%$ny $nd

en&oys $n im%e""$b#e tr$"( re"ord in Indi$ $s 'e## $s in intern$tion$# m$r(ets- Sin"e its

in"e%tion in F@@, t!e or%or$tion !$s m$int$ined $ "onsistent $nd !e$#t!y +ro't! in its

o%er$tions to rem$in t!e m$r(et #e$der in mort+$+es- Its outst$ndin+ #o$n %ort)o#io "overs 'e##

over $ mi##ion d'e##in+ units- 7D* !$s deve#o%ed si+ni)i"$nt e4%ertise in ret$i# mort+$+e #o$ns

to di))erent m$r(et se+ments $nd $#so !$s $ #$r+e "or%or$te "#ient b$se )or its !ousin+ re#$ted

"redit )$"i#ities- 3it! its e4%erien"e in t!e )in$n"i$# m$r(ets, $ stron+ m$r(et re%ut$tion,

#$r+e s!$re!o#der b$se $nd uniCue "onsumer )r$n"!ise, 7D* '$s ide$##y %ositioned to %romote

$ b$n( in t!e Indi$n environment-

7D* B$n( be+$n o%er$tions in FF? 'it! $ sim%#e mission : to be $ “ World Class Indian

Bank.” 3e re$#ied t!$t on#y $ sin+#e minded )o"us on %rodu"t Cu$#ity $nd servi"e e4"e##en"e

'ou#d !e#% us +et t!ere- Tod$y, 'e $re %roud to s$y t!$t 'e $re 'e## on our '$y to'$rds t!$t

+o$#-

7D* B$n( Limited 5t!e B$n(6 is $n Indi$9b$sed b$n(in+ "om%$ny en+$+ed in %rovidin+ $

r$n+e o) b$n(in+ $nd )in$n"i$# servi"es, in"#udin+ "ommer"i$# b$n(in+ $nd tre$sury o%er$tions-

T!e B$n( !$s $ net'or( o) =,0 br$n"!es $nd ,=1 $utom$ted te##er m$"!ines 5ATMs6 in

0,?;? "ities $nd tot$# em%#oyees $re @


12/71

Snap#*"t

C"+pan, Ba%kgr"!n-

In-!#tr, *in$n"e 9 B$n(s 9 Priv$te Se"tor-

B!#ine## Gr"!p 7D* Grou%

In%"rp"rati"n Date 1.0.FF=

P!$li% I##!e Date 1.0.FF?Fa%e .al!e ;-;;;;

C"+pan,/B!#ine## Regi#trati"n N" INE;=;A;;

'e, O00i%ial# CEO Adity$ Puri

7ISTOR O* 7D* BAN2

7D* BAN2 LTD '$s in"or%or$ted in Au+ust FF= in t!e n$me o) H7D* B$n( Limited,

'it! its re+istered o))i"e in Mumb$i, Indi$- 7D* B$n( "ommen"ed o%er$tions $s $ S"!edu#ed

ommer"i$# B$n( in /$nu$ry FF?-

I) ever t!ere '$s $ m$n 'it! $ mission it '$s Ha#+!k*$*ai Parek*& F"!n-er an- C*air+an1

E+erit!#& "0 HDFC Gr"!p2 HDFC BAN' LTD '$s $mon+st t!e )irst to set u% $ b$n( in t!e

%riv$te se"tor- T!e b$n( '$s in"or%or$ted on 1;t! Au+ust FF= in t!e n$me o) 7D* B$n(

Limited, 'it! its re+istered o))i"e in Mumb$i- It "ommen"ed o%er$tions $s $ S"!edu#ed

ommer"i$# B$n( on


13/71

environment In $ mi#estone tr$ns$"tion in t!e Indi$n b$n(in+ industry, Times B$n( '$s mer+ed

'it! 7D* B$n( Ltd-, e))e"tive *ebru$ry 0


14/71

desi+ned (ee%in+ in mind needs o) "ustomers '!o see(s distin"t )in$n"i$# so#utions, in)orm$tion

$nd $dvi"e on v$rious investment $venues-

BUSINESS STRATEG)

I- In"re$sin+ m$r(et s!$re in Indi$s e4%$ndin+ b$n(in+

II- De#iverin+ !i+! Cu$#ity "ustomer servi"e

III- M$int$inin+ "urrent !i+! st$nd$rds )or $sset Cu$#ity t!rou+! dis"i%#ined "redit ris(

m$n$+ement

I>- Deve#o% innov$tive %rodu"ts $nd servi"es t!$t $ttr$"t t$r+eted "ustomers $nd $ddress

ine))i"ien"ies in t!e Indi$n )in$n"i$# se"tor-

BOARD O* DIRETORS

Sr2

N"2Na+e "0 Dire%t"r De#ignati"n

Mrs- S!y$m$#$ Go%in$t!P$rt Time Non9 E4e"utive !$ir%erson $ndInde%endent Dire"tor

0 Mr- P$rt!o D$tt$ Inde%endent Dire"tor

1 Mr- Bobby P$ri(! Inde%endent Dire"tor

= Mr- A N Roy Inde%endent Dire"tor

? Mr- M$#$y P$te# Inde%endent Dire"tor

< Mr- 2e(i Mistry Non9E4e"utive Dire"tor

@ Mrs- Renu 2$rn$d Non9E4e"utive Dire"tor

Mr- Adity$ Puri M$n$+in+ Dire"tor

F Mr- P$res! Su(t!$n($r De%uty M$n$+in+ Dire"tor

=


15/71

; Mr- 2$i$d B!$ru"!$ E4e"utive Dire"tor

Mr- Umes! !$ndr$ S$r$n+iAddition$# Dire"tor 5$%%ointed '-e-)- st M$r"!,

0;< to !o#d o))i"e ti## ensuin+ AGM6

TOP MANAGEMENT

Ab!$y Aim$ ECuities 8 Priv$te B$n(in+ $nd NRI Business

Ani# /$++i$ In)orm$tion Te"!no#o+y $nd Le+$#

As!is! P$rt!$s$rt! Tre$sury

B!$r$t S!$! Mer"!$nt SeRvi"esG Subr$m$ni$n Audit 8 om%#i$n"e

2$i$d M$ne"( redit 8 M$r(et Ris(

M$ndee% M$itr$ 7-R, Admin 8 In)r$stru"ture

N$vin Puri Br$n"! B$n(in+

Pr$#$y Mond$# Assets 8 REDIT ARDS

R$!u# N B!$+$t Ret$i# Li$bi#ities, M$r(etin+ 8 Dire"t B$n(in+ !$nne#s

An$nt!$n$r$y$n O%er$tions

S$s!i /$+dis!$n *in$n"e

Sud!ir /os!i Tre$sury

BUSINESS HEADS

?


16/71


17/71

!ension Fund "e#ulator and $e%elop&ent Authoritawards or Atal !ension (o)ana

- Best Perfor"ing Bank - #a$i"u" %PSubscribers- Best Perfor"ing Bank in the Pri'ate sectorBanks category- Best Perfor"ing Bank : %tal Pension o(ana)arni'als in Pri'ate Sector Banks

Business Toda *P#+ India,s Best Banks .1/ %0ards

Barron's *orld's Top +0 ,EOs #r %ditya Puri in Barron,s 2op 3. +lobal )E4sfor nd year

IBA Awards 5!) Bank 0ins prestigious IB% Banking2echnology %0ards

Business Toda Best )o"panies to Work for in India

-ABA"$ Award Best Bank in 67+-Bank 7inkage progra""e in%ssa"

Business Toda . /!M India's Best Bank 5!) Bank 0ins Bank of the year and Best!igital Banking Initiati'e a0ards

-ABA"$ Award . The Best Bank in ,redit3inka#e in Ta&il -adu 5!) Bank 0ins 8%B%R! %0ard

)EAR14568

-ational !a&ents Excellence Awards 2015 5!) Bank 0ins 8P)I 8ational Pay"ents E$cellence%0ards

Business Toda Award Best )E4 %0ard - #r %ditya Puri

/erala's tate Foru& o Bankers' ,lu4 Award

Best Bank Branch

FinanceAsia Awards Best E9uity !eal in %sia %0ard

I$, Insi#hts Award 2015 E$cellence in )usto"er E$perience

ualTech Award 5!) Bank 0ins %0ard at th ;I#PR4 )on'ention

3ean i#&a pro)ect co&petition Best )ase Study %0ard

I$"BT Bankin# Technolo# Excellence Awards 2016.15

Best Bank %0ard for )yber Security Risk #anage"enta"ong 7arge Banks

FinanceAsia ,ountr Awards 2015 - Best %sian Bank- Best !o"estic Bank - India

For4es Asia ab /. )o"panies 7ist for the


18/71

)EAR14569

Euro&one - 5!) Bank 0ins Best Pri'ate Banking Ser'icesfor Super affluent clients for / years in a ro0 atEuro"oney %0ards

Euro&one !ri%ate Bankin# and *ealth Mana#e&entur%e 2015

- Best Pri'ate Banking Ser'ices a0ard for 8et-0orth-specific ser'ices category for Superaffluent clients =>S? 1 "illion to >S? / "illion@- Best Pri'ate Banking Ser'ices a0ard %sset#anage"ent

FE Best Bank Awards - Best Bank in the 8e0 Pri'ate sector - Winner - Profitability- Winner - Efficiency

Business Toda . /!M tud 2016 - Best 7arge Bank - 4'erall- Best 7arge Bank - +ro0th

Businessworld.!w, India Best Banks ur%e 2016 - Best 7arge Bank- astest +ro0ing 7arge Bank

Asia&one F9 !oll 2016 - Best !o"estic Pro'ider of A options- Best !o"estic Pro'ider of A products &Ser'ices- Best !o"estic Pro'ider of A research &"arket co'erage- Best !o"estic pro'ider for A Ser'ices

The Asian Banker Strongest Bank in India in the %sian Banker /..=%B /..@ Strongest Bank by Balance SheetRanking .1

$un : Bradstreet . !olaris Financial Technolo#Bankin# Awards 2016

- Best Bank - #anaging I2 Risk =7arge Banks@- Best Bank - #obile Banking =7arge Banks@

- Best Bank - Best I2 2ea" =Pri'ate Sector Banks@

For4es Asia ab /. )o"panies 7ist for the Cth year

Brand; TM Top 50 Most 2I48

5!) )5>BB +E8ER%7I8S>R%8)E )4 72!

http://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_Best_Private_Banking_Services.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_Best_Private_Banking_Services.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_Best_Private_Banking_Services.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/EuromoneyAwards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/EuromoneyAwards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/EuromoneyAwards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/EuromoneyAwards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/EuromoneyAwards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/FE-Best-Bank-awards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/FE-Best-Bank-awards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/FE-Best-Bank-awards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/BT-KPMG.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/BT-KPMG.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/businessworld_Banking_rural_reach.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/businessworld_Banking_rural_reach.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/ASIAMONEY_awards2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/ASIAMONEY_awards2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/ASIAMONEY_awards2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/ASIAMONEY_awards2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/ASIAMONEY_awards2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/ASIAMONEY_awards2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_has_been_named_the_Strongest_Bank_in_India.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_has_been_named_the_Strongest_Bank_in_India.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_has_been_named_the_Strongest_Bank_in_India.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_awards_at_the_Polarish_Banking_Tech_Awards.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_awards_at_the_Polarish_Banking_Tech_Awards.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_awards_at_the_Polarish_Banking_Tech_Awards.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_features_in_the_Forbes_Asia2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_is_most_valuable_brand_India.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/FinanceAsia2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/FinanceAsia2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/FinanceAsia2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/FinanceAsia2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/asiamoney_2014_website_announcement.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/DnB-Corporate-Awards2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_Best_Private_Banking_Services.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_Best_Private_Banking_Services.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_features_in_the_Forbes_Asia2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_is_most_valuable_brand_India.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_Best_Private_Banking_Services.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_Best_Private_Banking_Services.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_Best_Private_Banking_Services.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/EuromoneyAwards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/EuromoneyAwards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/EuromoneyAwards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/FE-Best-Bank-awards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/FE-Best-Bank-awards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/FE-Best-Bank-awards-2015.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/BT-KPMG.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/BT-KPMG.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/businessworld_Banking_rural_reach.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/businessworld_Banking_rural_reach.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/ASIAMONEY_awards2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/ASIAMONEY_awards2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/ASIAMONEY_awards2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_has_been_named_the_Strongest_Bank_in_India.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_has_been_named_the_Strongest_Bank_in_India.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_has_been_named_the_Strongest_Bank_in_India.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_awards_at_the_Polarish_Banking_Tech_Awards.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_awards_at_the_Polarish_Banking_Tech_Awards.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_wins_awards_at_the_Polarish_Banking_Tech_Awards.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_features_in_the_Forbes_Asia2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/HDFC_Bank_is_most_valuable_brand_India.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/FinanceAsia2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/FinanceAsia2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/FinanceAsia2014.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/asiamoney_2014_website_announcement.pdfhttp://www.hdfcbank.com/htdocs/aboutus/awards/pdf/DnB-Corporate-Awards2014.pdf


19/71

BUSINESS SEG3ENT

7D* B$n( o))ers $ 'ide r$n+e o) "ommer"i$# $nd tr$ns$"tion$# b$n(in+ servi"es $nd tre$sury

%rodu"ts to '!o#es$#e $nd ret$i# "ustomers- T!e b$n( !$s t!ree (ey business se+ments:

:*"le#ale Banking Ser;i%e#(

T!e B$n(Hs t$r+et m$r(et r$n+es )rom #$r+e, b#ue9"!i% m$nu)$"turin+ "om%$nies in t!e Indi$n

"or%or$te to sm$## 8 mid9sied "or%or$te $nd $+ri9b$sed businesses- *or t!ese "ustomers, t!e

B$n( %rovides $ 'ide r$n+e o) "ommer"i$# $nd tr$ns$"tion$# b$n(in+ servi"es, in"#udin+

'or(in+ "$%it$# )in$n"e, tr$de servi"es, tr$ns$"tion$# servi"es, "$s! m$n$+ement, et"- T!e b$n( is

F


20/71

$#so $ #e$din+ %rovider o) stru"tured so#utions, '!i"! "ombine "$s! m$n$+ement servi"es 'it!

vendor $nd distributor )in$n"e )or )$"i#it$tin+ su%erior su%%#y "!$in m$n$+ement )or its "or%or$te

"ustomers- B$sed on its su%erior %rodu"t de#ivery . servi"e #eve#s $nd stron+ "ustomer

orient$tion, t!e B$n( !$s m$de si+ni)i"$nt inro$ds into t!e b$n(in+ "onsorti$ o) $ number o)

#e$din+ Indi$n "or%or$te in"#udin+ mu#tin$tion$#s, "om%$nies )rom t!e domesti" business !ouses

$nd %rime %ub#i" se"tor "om%$nies- It is re"o+nied $s $ #e$din+ %rovider o) "$s! m$n$+ement

$nd tr$ns$"tion$# b$n(in+ so#utions to "or%or$te "ustomers, mutu$# )unds, sto"( e4"!$n+e

members $nd b$n(s-

Retail Banking Ser;i%e# (

T!e ob&e"tive o) t!e Ret$i# B$n( is to %rovide its t$r+et m$r(et "ustomers $ )u## r$n+e o)

)in$n"i$# %rodu"ts $nd b$n(in+ servi"es, +ivin+ t!e "ustomer $ one9sto% 'indo' )or $## !is.!er

b$n(in+ reCuirements- T!e %rodu"ts $re b$"(ed by 'or#d9"#$ss servi"e $nd de#ivered to t!e

"ustomers t!rou+! t!e +ro'in+ br$n"! net'or(, $s 'e## $s t!rou+! $#tern$tive de#ivery "!$nne#s

#i(e ATMs, P!one B$n(in+, Net B$n(in+ $nd Mobi#e B$n(in+-

T!e 7D* B$n( Pre)erred %ro+r$m )or !i+! net 'ort! individu$#s, t!e 7D* B$n( P#us

$nd t!e Investment Advisory Servi"es %ro+r$ms !$ve been desi+ned (ee%in+ in mind needs o)

"ustomers '!o see( distin"t )in$n"i$# so#utions, in)orm$tion $nd $dvi"e on v$rious investment

$venues- T!e B$n( $#so !$s $ 'ide $rr$y o) ret$i# #o$n %rodu"ts in"#udin+ Auto Lo$ns, Lo$ns

$+$inst m$r(et$b#e se"urities, Person$# Lo$ns $nd Lo$ns )or T'o9'!ee#ers- It is $#so $ #e$din+

%rovider o) De%ository P$rti"i%$nt 5DP6 servi"es )or ret$i# "ustomers, %rovidin+ "ustomers t!e

)$"i#ity to !o#d t!eir investments in e#e"troni" )orm-

7D* B$n( '$s t!e )irst b$n( in Indi$ to #$un"! $n Intern$tion$# Debit $rd in

$sso"i$tion 'it! >ISA 5>ISA E#e"tron6 $nd issues t!e M$ster "$rd M$estro debit "$rd $s 'e##-

T!e B$n( #$un"!ed its "redit "$rd business in #$te 0;;- By Se%tember 1;, 0;;?, t!e b$n( !$d $

tot$# "$rd b$se 5debit $nd "redit "$rds6 o) ?-0 mi##ion "$rds- T!e B$n( is $#so one o) t!e #e$din+

%#$yers in t!e Jmer"!$nt $"Cuirin+J business 'it! over ?;,;;; Point9o)9s$#e 5POS6 termin$#s )or

debit . "redit "$rds $""e%t$n"e $t mer"!$nt est$b#is!ments-

Trea#!r,(

0;


21/71

3it!in t!is business, t!e b$n( !$s t!ree m$in %rodu"t $re$s 9 *orei+n E4"!$n+e $nd

Deriv$tives, Lo"$# urren"y Money M$r(et 8 Debt Se"urities, $nd ECuities- 3it! t!e

#iber$#i$tion o) t!e )in$n"i$# m$r(ets in Indi$, "or%or$te need more so%!isti"$ted ris(

m$n$+ement in)orm$tion, $dvi"e $nd %rodu"t stru"tures- T!ese $nd )ine %ri"in+ on v$rious

tre$sury %rodu"ts $re %rovided t!rou+! t!e b$n(Hs Tre$sury te$m- To "om%#y 'it! st$tutory

reserve reCuirements, t!e b$n( is reCuired to !o#d 0?K o) its de%osits in +overnment se"urities-

T!e Tre$sury business is res%onsib#e )or m$n$+in+ t!e returns $nd m$r(et ris( on t!is investment

%ort)o#io-

-

PRODUT O* 7D* BAN2

AOUNTS 8 DEPOSITS

B$n(in+ s!ou#d be e))ort#ess- 3it! 7D* B$n(, t!e e))orts $re re'$rdin+- No m$tter '!$t $

"ustomerHs need $nd o""u%$tion$# st$tus, 'e !$ve $ r$n+e o) so#utions t!$t $re se"ond to none-

3!et!er youHre em%#oyed in $ "om%$ny $nd need $ sim%#e S$vin+s $""ount or run your o'n

business $nd reCuire $ robust b$n(in+ %$rtner, 7D* B$n( not on#y !$s t!e %er)e"t so#ution )or

you, but $#so "$n re"ommend %rodu"ts t!$t "$n $u+ment your %#$nnin+ )or t!e )uture-

0


22/71

It in"#udes t!ese servi"es: 9

S$vin+ A""ounts-

urrent A""ounts-

*i4 De%osits-

Dem$t A""ounts-

S$)e De%osits Lo"(ers-

S$vin+s A""ounts

T!ese $""ounts $re %rim$ri#y me$nt to in"u#"$te $ sense o) s$vin+ )or t!e )uture, $""umu#$tin+

)unds over $ %eriod o) time- 3!$tever %ersons o""u%$tion, b$n( !$ve "on)ident t!$t %erson 'i##

)ind t!e %er)e"t b$n(in+ so#ution- T!ere some s$vin+ $""ounts #i(e: 9

Re+u#$r S$vin+ A""ount:

An e$sy9to9o%er$te s$vin+s $""ount t!$t $##o's you to issue !eCues, dr$' Dem$nd Dr$)ts $nd

'it!dr$' "$s!- !e"( u% on your b$#$n"es )rom t!e "om)ort o) your !ome or o))i"e t!rou+! Net

B$n(in+, P!one B$n(in+ $nd Mobi#e B$n(in+- I) you need money ur+ent#y t!en you "$n t$(e

money )rom t!e ATM m$"!ine- T!ere $re ,=1 ATM "enters $"ross t!e "ountry-

S$vin+ P#us A""ount

Introdu"in+ t!e best b$n(in+ o%tion )or you 'it! 7D* B$n( S$vin+s P#us A""ount- No' you

"$n +et $""ess to some o) t!e )inest b$n(in+ )$"i#ities 'it! 7D* B$n(Hs S$vin+s %#us A""ount-

A## you !$ve to do is m$int$in $n Aver$+e u$rter#y B$#$n"e o) Rs- ;,;;;.9-

S$vin+ M$4 A""ount

3e#"ome to $ 'or#d o) "onvenien"e- Presentin+ S$vin+s M$4 $""ount, #o$ded 'it! m$4imum

bene)its to m$(e your b$n(in+ e4%erien"e $ %#e$sure- By m$int$inin+ $n $ver$+e Cu$rter#y

00

http://www.hdfcbank.com/personal/access/netbanking/netbanking.htmhttp://www.hdfcbank.com/personal/access/netbanking/netbanking.htmhttp://www.hdfcbank.com/personal/access/phonebanking/phonebanking.htmhttp://www.hdfcbank.com/applications/misc/mobilebanking.asphttp://www.hdfcbank.com/personal/access/netbanking/netbanking.htmhttp://www.hdfcbank.com/personal/access/netbanking/netbanking.htmhttp://www.hdfcbank.com/personal/access/phonebanking/phonebanking.htmhttp://www.hdfcbank.com/applications/misc/mobilebanking.asp


23/71

b$#$n"e o) &ust Rs- 0?,;;;.9 you +et $ !ost o) %remium servi"es )rom 7D* B$n( $bso#ute#y

)ree-

Senior itien A""ount

7D* B$n( $%%re"i$tes your needs $nd ende$vors, '!i"! is '!y, t!ey %resent $n $""ount

es%e"i$##y dedi"$ted to "ustomer, '!i"! #i(e $ duti)u# "!i#d 'i## !e#% you )u#)i## your needs in t!e

best m$nner %ossib#e-

No )ri##s A""ount

In $n e))ort to m$(e b$n(in+ sim%#er $nd more $""essib#e )or "ustomers, b$n( !$s introdu"ed t!e

HNo *ri##sH S$vin+s A""ount, '!i"! o))ers "ustomer $## t!e b$si" b$n(in+ )$"i#ities- ustomer "$n

even $v$i# o) servi"es #i(e Net B$n(in+, Mobi#e b$n(in+ )ree o) "ost- In t!is "ustomer "$n %ut

ero Initi$# P$y9in $nd $ ero B$#$n"e $""ount

Institution$# S$vin+ A""ounts

A s%e"i$##y desi+ned $""ount t!$t o))ers t'in bene)its o) $ s$vin+s $s 'e## $s $ "urrent $""ount-

ustomers )unds "ontinue to e$rn you interest '!i#e !e en&oys !$ss#e9)ree b$n(in+ 8 $ !ost o)

ot!er )e$tures- A## t!is $nd more in $ ero B$#$n"e $""ount-

S$#$ry A""ounts

In t!is $""ount "ustomer "$n +et s$#$ry )rom '!ere !e.s!e doin+ su"! &ob $nd or+$ni$tion or

"om%$ny $t '!ere t!e "ustomer o) t!e b$n( in doin+ &ob de%osit t!eir s$#$ry in to t!e s$#$ry

$""ount $ %erson "$n +et s$#$ry-

01


24/71

T!ere $re v$rious (inds o) s$vin+ $""ounts in t!e 7D* B$n( #i(e: 9

P$yro## A""ount-

#$ssi" S$#$ry A""ount-

Re+u#$r S$#$ry A""ount-

Premium S$#$ry A""ount-

De)ense S$#$ry A""ount-

No )ri##s S$#$ry A""ount-

Reimbursement S$#$ry A""ount-

2ids Adv$nt$+e A""ount

St$rt s$vin+ )or your "!i#d tod$y $nd se"ure !is.!er )uture $ senten"e te##s by t!e 7d)" b$n(-

O%en $ S$vin+s A""ount $nd tr$ns)er money every mont! into "ustomers 2ids Adv$nt$+e

A""ount $nd '$t"! t!e s$vin+s +ro' $s "ustomers "!i#d +ro's- T!e $""umu#$ted s$vin+s in t!e

2ids Adv$nt$+e A""ount "$n over t!e ye$rs !e#% in meetin+ "ustomer "!i#dHs needs-

urrent $""ounts

7D* B$n( urrent A""ount +ives t!e %o'er o) inter9"ity b$n(in+ 'it! $ sin+#e $""ount $nd

$""ess to more t!$n "ities- *rom s%e"i$# "!eCues t!$t +et tre$ted $t %$r 'it! #o"$# ones in $ny "ity

'!ere br$n"!, )$ster "o##e"tion o) outst$tion "!eCues 5%$y$b#e $t br$n"! #o"$tions6, )ree $""ount

to $""ount )unds tr$ns)er bet'een 7D* B$n( $""ounts to *ree inter9"ity "#e$rin+ o) u% to ;;

#$(!s %er mont!, b$n(s %riority servi"es !$ve be"ome t!e ben"!m$r( )or b$n(in+ e))i"ien"y-

No', 'it! $n 7D* B$n( urrent A""ount, e4%erien"e t!e )reedom o) mu#ti9"ity b$n(in+-

Person "$n !$ve t!e %o'er o) mu#ti9#o"$tion $""ess to !is $""ount )rom $ny o) our =,0

0=


25/71

br$n"!es in 0,?;? "ities- Not on#y t!$t, !e "$n do most o) !is b$n(in+ tr$ns$"tions )rom t!e

"om)ort o) !is o))i"e or !ome 'it!out ste%%in+ out-

T!ere $re v$rious (inds o) "urrent $""ount in t!is b$n( #i(e: 9

P#us "urrent $""ount

7D* B$n( %#us urrent A""ount +ives t!e %o'er o) inter9"ity b$n(in+ 'it! $ sin+#e $""ount

$nd $""ess to more t!$n "ities- P#us urrent A""ount reCuires m$int$inin+ $n $ver$+e Cu$rter#y

b$#$n"e o) Rs- ;;,;;;-

Tr$de urrent A""ount

In tod$yHs "!$n+in+ business reCuirements, you need to tr$ns)er )unds $"ross "ities, $nd time is

o) t!e essen"e- 7D* B$n( Tr$de urrent A""ount +ives %o'er o) inter9"ity b$n(in+ 'it! $

sin+#e $""ount-

*rom s%e"i$# "!eCues t!$t +et tre$ted $t %$r 'it! #o"$# ones in $ny "ity '!ere b$n( !$ve $

br$n"!, to )ree $""ount to $""ount )unds tr$ns)er bet'een 7D* B$n( $""ounts, to )ree inter9"ity

"#e$rin+ o) u% to ?; #$(!s %er mont!, b$n(s %riority servi"es !$ve be"ome t!e ben"!m$r( )or

b$n(in+ e))i"ien"y- Tr$de urrent A""ount reCuires m$int$inin+ $n $ver$+e Cu$rter#y b$#$n"e o)

Rs- =;,;;;-

Premium urrent A""ount

Business needs $ %$rtner '!o "$n m$n$+e )in$n"es '!i#e "on"entr$te on +ro'in+ business-

*orm t!is $""ount "ustomer "$n $v$i# bene)its o) inter9"ity b$n(in+ $""ount t!$t reCuires $n

$ver$+e Cu$rter#y b$#$n"e o) on#y Rs- 0?,;;;, o))ers P$y$b#e9At9P$r "!eCue boo( )$"i#ity 8

*REE inter9"ity "#e$rin+ tr$ns$"tions $"ross our net'or( u% to Rs-0? L$"s %er mont!-

A urrent A""ount 'it! t!e bene)its o) $""essin+ $""ount )rom $ #$r+e net'or( o) br$n"!es, $nd

t!rou+! dire"t $""ess "!$nne#s 9 t!e %!one, mobi#e, Internet $nd t!rou+! t!e ATM-

0?


26/71


27/71

To o%en t!is $""ounts $ %erson $s to )o##o' t!is %ro"ess: 9

!oose t!e "urren"y in '!i"! %erson 'is! to o%er$te- O%en $""ount 'it! $n initi$# $mount $s %er

t!e )o##o'in+9US Do##$r 0?; Gre$t Brit$in Pound 0;; Euro 0?; $nd m$int$in $n Aver$+e

u$rter#y B$#$n"e o) t!e s$me $mount-

*#e4i urrent A""ount

Tired o) st$ti" tr$ns$"tion #imits durin+ %e$( se$sons 7D* B$n( *#e4i urrent A""ount is t!e

$ns'er to "!$n+in+ b$n(in+ needs durin+ %e$( se$sons-

3it! 7D* B$n( *#e4i urrent A""ount $s! De%osit $nd Any'!ere Tr$ns$"tion #imits $re $

mu#ti%#e o) t!e b$#$n"e you m$int$in in urrent A""ount- So, durin+ %e$( se$sons, "ustomer +et

t!e bene)it o) !i+!er tr$ns$"tion #imits due to t!e !i+!er $ver$+e b$#$n"es m$int$ined in $""ount-

3!$ts more, durin+ #e$n se$sons, %erson need not 'orry $bout m$int$inin+ !u+e b$#$n"es to

en&oy !i+! tr$ns$"tion #imits, '!i"! %erson $ny'$y m$y not need- *#e4i urrent A""ount

reCuires to m$int$in $ minimum Aver$+e Mont!#y B$#$n"e 5AMB6 o) &ust Rs- @?,;;;-

A%e4 urrent A""ount

T!e to% %osition is $#'$ys t!e desir$b#e %osition- 3it! t!e A%e4 "urrent $""ount, t$(e business

to $ ne' !i+!- On m$int$inin+ $n $ver$+e Cu$rter#y b$#$n"e o) Rs- ; #$(!s, t!is $""ount m$(es

sure %erson m$(e t!e most o) every business o%%ortunities "omin+ !is '$y- Un#imited, )ree,

$ny'!ere B$n(in+ e4%erien"e $t t!e APE is reserved )or %erson '!o &oints t!is-

-

M$4 urrent A""ount

0@


28/71


29/71

In 0;;


30/71


31/71

T!e Lo"(er !o#der is %ermitted to $dd or de#ete n$mes )rom t!e #ist o) %ersons '!o "$n o%er$te

t!e Lo"(er $nd "$n !$ve $""ess to it-

Loss o) 2ey is to be immedi$te#y in)ormed to t!e "on"erned Br$n"!-

LOAN SER>IES

In tod$ys "om%etitive 'or#d every t!in+ !$%%ens on#y 'it! t!e !e#% o) money or t!rou+! t!e

money every %erson need money- But some time $ %erson !$s not "$s! on !$nd $t t!$t time !e

needs #one eit!er )rom $ny )riend or )rom $ny )in$n"i$# institute- Lone dose not me$n t!$t on#y

#o'er "#$ss %erson needs it but $#so u%%er "#$ss %erson it is needed-

As %er t!e reCuirement o) t!e every %erson t!ere $re mu"! ty%e o) #o$ns $re t!ere in t!e 7D*

b$n(-

Person$# Lo$n

A %erson !$s so m$ny dre$ms but some time due to s"$r"ity o) money $ dre$m "$nt be s$tis)y-

So, !ere one so#ution )or t!$t %erson t!is is %erson$# #o$n- *rom t!is !e.s!e "$n )u#)i## t!eir needs

or reCuirement- It "$n be $ny t!in+ eit!er $ dre$m o) v$"$tion or son.d$u+!ters $dmission to

"o##e+e or $ny 'eddin+, so %erson$# #o$n "$n be !e#%)u# in t!is entire reCuirement-

As %erson ordered in t!e !ote# )or te$ or "o))ee $nd it is immedi$te#y "$me )$st, s$me over !ere

$ny %erson '$nt to +et $ %erson$# #o$n 'it! t!e nomin$# do"uments !e "$n +et t!e #o$n-

7ome Lo$n

7D* B$n( brin+s 7D* !ome #o$ns to doorste%- 3it! over 1; ye$rs o) e4%erien"e, $

dedi"$ted te$m o) e4%erts $nd $ "om%#ete %$"($+e to meet $## !ousin+ )in$n"e needs, 7D*

7ome Lo$ns, !e#% %eo%#e re$#ie dre$m-

1


32/71

>e!i"#es Lo$n

No'$d$ys t!e #i)e is bein+ so )$st, time v$#ue is be"omin+ more im%ort$nt so to re$"! $t t!e

destin$tion o) $ny business re#$ted o""$sion or )or $ boy to re$"! "o##e+e or $ny '!ere $t t!e )i4

time t!ere $re so m$ny reCuirement o) ve!i"#es- But every %eo%#e !$ve no "$%$"ity to %ur"!$se

ve!i"#es 'it! "$s! so )or t!$t !ere in t!e 7D* b$n( ve!i"#es #o$n is $v$i#$b#e- T!ere $re m$ny

ty%es o) ve!i"#es #o$n-

Ty%es o) ve!i"#es #o$n:

T'o 3!ee#er Lo$ns-

Ne' $r Lo$n-

Used $r Lo$n-

Tr$"tor Lo$n 5)or $+ree "u#ture business6-

ommer"i$# >e!i"#e Lo$n-

So, $s %er t!e reCuirement o) t!e %erson t!ere $re t!ese ty%es o) #o$ns $re $v$i#$b#e t!is $re $t t!e

"!i% r$te $nd !$sse# )ree )rom more do"ument$tion $nd ot!er %ro"edure- And "ommer"i$#

businessm$n "$n +et t!e bene)its o) t!e "ommer"i$# ve!i"#es #o$ns- T!us $s %er t!e need o)

di))erent %eo%#e t!ere $re ve!i"#e #o$ns $v$i#$b#e- And $#so terms $nd "ondition $re di))erent $s

%er t!e reCuirement-

E4%ress Lo$n P#us

B$n( o))er E4%ress Lo$ns P#us $t %erson Doorste% to !e#% )u#)i## $## !is.!er needs- T!e %ro"edure

is sim%#e, do"ument$tion is minim$# $nd $%%rov$# is Cui"(- It is !e#%)u# to %erson in re%$irin+ o)

!ouse, S"!oo# $dmission or $#so in t!e )$mi#y !o#id$y-

10


33/71

Go#d Lo$n

3it! 7D* B$n(Hs Go#d Lo$n, %erson "$n +et $n inst$nt #o$n $+$inst +o#d &e'e#ry $nd

orn$ments- T!e %ro"edure is sim%#e, do"ument$tion is minim$# $nd $%%rov$# is Cui"(- A %erson

"$n +et @;K #o$n on t!e v$#ue o) t!e +o#d &e'e#ry $nd orn$ments- T!ere is $#so $v$i#$bi#ity o) t!e

overdr$)t on t!e +o#d &e'e#ry- 3it! t!is $ "ustomer "$n +et )ree $ddition$# servi"es #i(e )ree

%erson$#ied "!eCue boo(, )ree intern$tion$# debit "$rd, $nd )ree net b$n(in+ %!one b$n(in+

servi"es-

Edu"$tion$# Lo$n

No'$d$ys im%ort$n"e o) edu"$tion is be"omin+ very !i+!, !en"e "ost#y- So )or t!e !i+!er

edu"$tion %eo%#e m$y not $))ord $ !i+! %ri"e $t $ s$me time- So, t!ere is edu"$tion #o$n $#so

$v$i#$b#e )or t!e student-

A %erson "$n +et #o$n u% to ; #$(!s to study in Indi$ $nd 0; #$(!s i) !e '$nts to study in $bro$d-

Lo$n $v$i#$b#e u% to tenure o) @ ye$rs in"#udin+ mor$torium %eriod-

Lo$ns disbursed dire"t#y to t!e edu"$tion$# institution- It is re#e$sed $s %er )ee s"!edu#es o)

institutes- E4"#usive Te#e+r$%!i" Tr$ns)er )$"i#ity $v$i#$b#e )or "ourses $bro$d- Lo$ns $v$i#$b#e

)or s!ort dur$tion. &ob oriented "ourses $#so-

Lo$n A+$inst Se"urity

3it! 7D* B$n(Hs Lo$n $+$inst Se"urities, %erson "$n +et $n overdr$)t $+$inst se"urities #i(e

ECuity S!$res, Mutu$# *und Units5ECuity, Debt, *MPs6, Go#d E4"!$n+e Tr$ded

*und5ET*6,NABARDHs B!$vis!y$ Nirm$n Bonds, Po#i"ies issued by LI 8 Se#e"t Priv$te

Insur$n"e om%$nies, NS, 2>P, UTI Bonds 5ARS 8 US


34/71

!is s!$re!o#der bene)its su"! $s ri+!ts, dividends $nd bonuses Lo$n $v$i#$b#e to NRIs $+$inst

S!$res, Mutu$# *unds 5eCuity, Debt, *MPs6, USP-

Lo$n $+$inst %ro%erty

7D* B$n( brin+s Lo$n A+$inst Pro%erty 5LAP6- Person "$n no' t$(e $ #o$n $+$inst residenti$#

or "ommer"i$# %ro%erty, to e4%$nd !is business, %#$n $ dre$m 'eddin+, $nd )und !is "!i#dHs

edu"$tion $nd mu"! more- 7e "$n de%end on b$n( to meet $## !is business reCuirements even to

%ur"!$se $ ne' s!o% or o))i"e )or business- Lo$n to %ur"!$se ommer"i$# Pro%erty 5LP6 is $

s%e"i$##y desi+ned %rodu"t to !e#% %erson e4%$nd !is business 'it!out redu"in+ t!e "$%it$# )rom

!is business-

T!ese $re #o$ns servi"es %rovidin+ by 7D* b$n( '!i"! $re very !$ss#e )ree $nd re$##y bene)its

)or most o) "ustomer $nd most o) "ustomer $re s$tis)ied by t!e #o$n servi"es %rovidin+ by t!e

b$n(-

ARD SER>IES

In tod$ys "om%etitive $nd )$st time "$rd servi"es %rovided by t!e b$n(s $re re$##y very

im%ort$nt to every %erson $nd every business needs or to t$(e me$# in to t!e !ote# or to %ur"!$se

&e'e#ry )rom t!e &e'e#ry s!o%s "$rds $re %#$yin+ +ood ro#e in t!e b$n(in+ se"tors-

B$n( r$n+es o) $rds !e#% to meet )in$n"i$# ob&e"tives- So '!et!er %ersons $re #oo(in+ to $dd to

!is buyin+ %o'er, "ondu"tin+ "$s!#ess s!o%%in+, or bud+etin+ !is e4%enditure, !e 'i## )ind $

"$rd t!$t suits !im-

1=


35/71

redit $rds

A %erson '$nts m$ny t!in+s #i(e, $ tri% to B$#i, $ di$mond rin+ )or 'i)e- Some dre$ms "$nHt

'$it- I) t!ereHs somet!in+ %erson !$s $#'$ys '$nted- I) $ %erson '$nts to )u#)i## !is '$nts !e "$n

+et bene)its )rom t!e 7D* b$n(s "redit "$rds )$"i#ities- Di))erent ty%es o) "redit "$rds:

• #$ssi" $rds

• Si#ver redit $rd

• >$#ue P#us redit $rd

• 7e$#t! P#us redit $rd

• Premium $rds

• Go#d redit $rd

• Tit$nium redit $rd

• 3om$nHs Go#d $rd

• P#$tinum P#us redit $rd

• >is$ Si+n$ture redit $rd

• 3or#d M$ster$rd

• ommer"i$# $rds

• or%or$te redit $rd

Debit $rd

7D* B$n( Debit $rds +ive %eo%#e "om%#ete $nd inst$nt $""ess to t!e money in !is $""ounts

'it!out t!e ris( or !$ss#e o) "$rryin+ "$s!-

Ty%es o) Debit $rd: 9

• #$ssi" $rd

1?


36/71

• E$sy S!o% Intern$tion$# Debit $rd-

• Premium $rd

• E$sy S!o% Go#d Debit $rd-

•S%e"i$#ied $rd

• E$sy S!o% Intern$tion$# Business Debit $rd-

• E$sy S!o% 3om$nHs Adv$nt$+e Debit $rd-

• E$sy S!o% NRO Debit $rd-

• 2is$n $rd-

Pre%$id $rd

Besides o))erin+ "onvenien"e, Pre%$id $rds !$ve been t$i#ored to $ns'er tr$ve# $nd +i)tin+

needs-

• *ore4 P#us $rds

• Pre%$id Tr$ve# $rd-

• Gi)t P#us $rds

• Pre%$id Gi)t $rd-

• *ood P#us $rds

• Pre%$id *ood P#us "$rd-

• Money P#us $rd

• T!e or%or$te P$yment $rd

IN>ESMENT AND INSURANE SER>IES

1


37/71

No'$d$ys $ '$rd investment is be"omin+ more %o%u#$r- Person invest t!eir money in to v$rious

s"!emes or in to t!e +o#d or s!$re m$r(et et"- but some time !e is in to t!e di))i"u#t situ$tion, )or

t!$t b$n( !e#% %erson invest 'ise#y t!rou+! )in$n"i$# $nd investment servi"es-

Ty%es o) investment: 9

Mutu$# *unds

Invest t!rou+! t!e Mutu$# *und route to meet v$ried investment ob&e"tives-

Insur$n"e

Tr$dition$# P#$ns Unit Lin(ed P#$ns

7D* "!i#drenHs PLAN- 7D* Unit Lin(ed oun+ St$r P#us II-

7D* Money B$"( P#$n- 7D* Unit Lin(ed oun+ St$r Suvid!$-

7D* S$vin+s Assur$n"e P#$n- 7D* Unit Lin(ed oun+ St$r Suvid!$ P#u7D* Assur$n"e P#$n- 7D* Unit Lin(ed Pension-

7D* Term Assur$n"e P#$n- 7D* Unit Lin(ed Pension P#us-

7D* Lo$n over Term Assur$n"e P#$n- 7D* Unit Lin(ed Endo'ment P#us II-

7D* Endo'ment Assur$n"e P#$n- 7D* Unit Lin(ed Endo'ment Suvid!$-

7D* Sin+#e Premium 3!o#e o) Li)e Insur$n"e 7D* Unit Lin(ed Endo'ment Suvid!$

7D* Unit Lin(ed En!$n"ed Li)e Prote"tion

GENERAL AND 7EALT7 INSURANE

om%#ete %rote"tion )or business, !e$#t!, tr$ve# 8 more-

Bonds

A se"ure investment $venue +ivin+ st$b#e returns 'it! t$4 bene)its-

1@

http://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/children_plan/needs_childrenplan.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/unit_linked_plans/young_star_plus/unit_youngstar_plus.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/money_back/needs_moneyback.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/unit_linked_plans/young_star_suvidha/unit_youngstar_suvidha.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/savings_assurance/needs_savingsassurance.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/assurance/HDFC_assurance_plan.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/unit_linked_plans/unit_pension/unit_pensionplan.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/term_assurance/term_assuranceplan.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/unit_linked_plans/unit_pension_plus/unit_pensionplan_plus.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/loan_cover/loancover_term_assuranceplan.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/unit_linked_plans/unit_endowment_plus/unit_endowmentplan_plus.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/endowment_assurance/endowment_assurance_plan.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/unit_linked_plans/unit_endowment_suvidha/unit_endowmentplan_suvidha.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/children_plan/needs_childrenplan.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/unit_linked_plans/young_star_plus/unit_youngstar_plus.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/money_back/needs_moneyback.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/unit_linked_plans/young_star_suvidha/unit_youngstar_suvidha.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/savings_assurance/needs_savingsassurance.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/assurance/HDFC_assurance_plan.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/unit_linked_plans/unit_pension/unit_pensionplan.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/term_assurance/term_assuranceplan.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/unit_linked_plans/unit_pension_plus/unit_pensionplan_plus.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/loan_cover/loancover_term_assuranceplan.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/unit_linked_plans/unit_endowment_plus/unit_endowmentplan_plus.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/traditional_plans/endowment_assurance/endowment_assurance_plan.htmhttp://www.hdfcbank.com/personal/investments/life_insurance/unit_linked_plans/unit_endowment_suvidha/unit_endowmentplan_suvidha.htm


38/71


39/71

I) %eo%#e need to de$# in )orei+n "urren"y $nd (ee% t$bs on e4"!$n+e r$tes every no' $nd t!en,

tr$ns)er monies to Indi$, m$(e %$yments et"-, 7D* B$n( !$s $ r$n+e o) %rodu"ts $nd servi"es

t!$t %eo%#e "$n "!oose )rom to tr$ns$"t smoot!#y, e))i"ient#y $nd in $ time#y m$nner-

B$n( o))erin+ )o##o'in+ *orei+n E4"!$n+e Produ"ts $nd Servi"es-

*orei+n E4"!$n+e $nd Tr$de Servi"es

T!e )o##o'in+ $re di))erent met!ods o) tr$ns$"tin+ in *orei+n E4"!$n+e $nd remittin+ money-

• Tr$ve#ers !eCues-

• *orei+n urren"y $s!-

• *orei+n urren"y Dr$)ts-

• !eCue De%osits-

• Remitt$n"es-

• $s! to M$ster -

• Tr$de Servi"es-

• *ore4 Servi"es Br$n"! Lo"$tor -

Im%ort$nt +uide#ines $nd s"!edu#es A## *orei+n E4"!$n+e tr$ns$"tions $re "ondu"ted by stri"t#y

$d!erin+ to RBI +uide#ines- De%endin+ on t!e n$ture o) tr$ns$"tion or %oint o) tr$ve#, %eo%#e 'i##

need to underst$nd !is *orei+n E4"!$n+e #imits-

RBI Guide#ines-

*ore4 Limits-

Non 7D* B$n( A""ount 7o#ders-

*As

PAMENT SER>IE

No'$d$ys #i)e o) $ %erson !$s be"ome very stress)u# $nd busy 'it! t!eir o'n businesses, but

t!ey need to %$yments )or somet!in+ or t!e ot!er- *or t!$t re$son b$n(s %$yment servi"es !$ve

1F

http://www.hdfcbank.com/personal/forex/forex_products_services.htmhttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_travellers_chequeshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_cashhttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_draftshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_cheque_depositshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#remittanceshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#cash_masterhttp://www.hdfcbank.com/personal/forex/forex_trade_finance.htmhttp://www.hdfcbank.com/personal/forex/forex_branch_locator.htmhttp://www.hdfcbank.com/personal/forex/forex_rbi_guidelines.htmhttp://www.hdfcbank.com/personal/forex/forex_limits.htmhttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#non_hdfchttp://www.hdfcbank.com/personal/forex/forex_faqs.htmhttp://www.hdfcbank.com/personal/forex/forex_products_services.htmhttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_travellers_chequeshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_cashhttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_draftshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_cheque_depositshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#remittanceshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#cash_masterhttp://www.hdfcbank.com/personal/forex/forex_trade_finance.htmhttp://www.hdfcbank.com/personal/forex/forex_branch_locator.htmhttp://www.hdfcbank.com/personal/forex/forex_rbi_guidelines.htmhttp://www.hdfcbank.com/personal/forex/forex_limits.htmhttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#non_hdfchttp://www.hdfcbank.com/personal/forex/forex_faqs.htm


40/71

st$rted- 3it! 7D* B$n(Hs %$yment servi"es, %erson "$n bid +oodbye to Cueues $nd %$%er 'or(-

B$n(s r$n+e o) %$yment o%tions m$(e it e$sy )or %$y )or $ v$riety o) uti#ities $nd servi"es-

>eri)ied By >is$

Do you '$nt to be 'orry )ree )or your on#ine %ur"!$ses No' you "$n s!o% se"ure#y on#ine 'it!

your e4istin+ >is$ Debit.redit "$rd-

Net S$)e

No' s!o% on#ine 'it!out reve$#in+ your 7D* B$n( redit $rd number- 3!$t more, you "$n

no' use your 7D* B$n( Debit $rd $#so )or on#ine %ur"!$ses-

Mer"!$nt Servi"es

A""e%t $## >is$, M$ster$rd, "redit $nd Debit "$rds $t your out#ets t!rou+! st$te o) t!e $rt POS

M$"!ines or t!rou+! your 'ebsite $nd e4%erien"e !$ss#e )ree %$yment $""e%t$n"e-

Pre%$id Mobi#e Re)i##

I) you $re $n 7D* B$n( A""ount !o#der, you "$n no' re"!$r+e your Pre%$id Mobi#e P!one

'it! t!is servi"e-

Bi## P$y

P$y your te#e%!one, e#e"tri"ity $nd mobi#e %!one bi##s $t your "onvenien"e- T!rou+! t!e Internet,

ATMs, your mobi#e %!one $nd te#e%!one 9 'it! Bi## P$y, our "om%re!ensive bi## %$yments

so#ution-

>is$ Bi## P$y

P$y your uti#ity bi##s )rom t!e "om)ort o) your !omeQ P$y usin+ your 7D* B$n( >is$ "redit

"$rd $nd )or+et #on+ Cueue $nd #$te %$yments )orever

=;


41/71

P$y No'

Use your 7D* B$n( redit $rd to %$y your uti#ity bi##s on#ine, m$(e subs"ri%tions $nd

don$tions no re+istr$tion reCuired- En&oy "redit )ree %eriod $nd re'$rd %oints $s %er your "redit

"$rd )e$tures-

Inst$ P$y

P$y your bi##s, m$(e don$tions $nd subs"ribe to m$+$ines 'it!out +oin+ t!rou+! t!e !$ss#es o)

$ny re+istr$tion-

Dire"t P$y

S!o% or P$y bi##s on#ine 'it!out "$s! or "$rd- Debit your $""ount dire"t#y 'it! our Dire"t P$y

servi"eQ

>is$ Money Tr$ns)er

Tr$ns)er )unds to $ny >is$ $rd 5debit or "redit6 'it!in Indi$ $t your o'n "onvenien"e t!rou+!

7D* B$n(Hs Net B$n(in+ )$"i#ity-

e9Monies N$tion$# E#e"troni" *unds Tr$ns)er

Tr$ns)er )unds )rom your $""ount to ot!er B$n( $""ounts $"ross Indi$ 9 *REE o) "ost-

On#ine P$yment o) E4"ise 8 Servi"e T$4

=


42/71

M$(e your E4"ise $nd Servi"e T$4 %$yments $t your o'n "onvenien"e t!rou+! 7D* B$n(Hs

Net B$n(in+ )$"i#ity-

Re#i+ious O))erin+s

No' don$te to your )$vorite tem%#e e$si#y $nd se"ure#y usin+ 7D* BAN2Hs Net B$n(in+-

IMPERIA.PRE*ERRED.LASSI BAN2ING

As $ s%e"i$# "ustomer b$n( is %rovidin+ $ TA/ to "ustomer 'it! n$me o) im%eri$.%re)erred

"ustomer- *or t!$t b$n( %rovide $ s%e"i$# servi"e to t!eir "ustomer- 7D* B$n(Hs

%re)erred.im%eri$ Pro+r$mme is t!e roy$# de"ree t!$t en!$n"es t!e e4"#usivity t!$t you $re

$""ustomed to- It m$(es you )ee# s%e"i$# $t every ste%, %$m%erin+ 'it! servi"es t!ose ot!ers "$n

on#y dre$m $bout- T!is servi"e +oes beyond t!e obvious, rises $bove t!e e4%e"ted, so t!$t t!e

'!o#e 'or#d "$n see, t!$t even tod$y, t!e +r$ndeur $nd m$+ni)i"en"e o) roy$#ty is $#ive $nd 'e##-

T!us $s ret$i# b$n(in+ servi"e b$n( %rovidin+ re$##y +ood $nd bene)i"i$# servi"es to t!eir

"ustomer $nd $s )$mi#y member t!ey $re %rovidin+ +ood servi"es to every "ustomer eit!er t!ey

$re "$me business re#$ted or $nyt!in+- *or t!is re$son 7D* b$n( is %#$yin+ $ +ood ro#e in t!e

"ustomers #i)e )or t!eir monitory tr$ns$"tion-

NRI BAN2ING

3it! $ vie' to $ttr$"t t!e s$vin+s $nd ot!er remitt$n"e into Indi$ t!rou+! b$n(in+ "!$nne#s )rom

t!e %erson o) Indi$n N$tion$#ity . Ori+in '!o $re residin+ $bro$d $nd bo#ster t!e b$#$n"e o)

=0


43/71

%$yment %osition, t!e Government o) Indi$ introdu"ed in F@; Non9Resident5E4tern$#6 A""ount

Ru#es '!i"! $re +overned by t!e E4"!$n+e ontro# Re+u#$tions-

T!e )unds !e#d in Non9Resident 5E4tern$#6 A""ounts 5NRE A""ounts6 Cu$#i)y )or "ert$in bene)its

#i(e e4em%tions )rom t$4es in Indi$, )ree re%$tri$tions )$"i#ities, et"-

De%osit ty%es

NRI9B$n(in+ )$"i#it$tes t!e NRI "ustomer to o%en t!e )o##o'in+ $""ount ty%es-

NRE 5Non Resident E4tern$# A""ounts6

It "$n be in t!e )orm o) S$vin+s, urrent or )i4ed de%osits in Indi$n ru%ees- T!e )unds in t!is

$""ount $re )u##y re%$tri$b#e-

NRO 5Non Resident Ordin$ry A""ounts6

It "$n be in t!e )orm o) S$vin+s, urrent or *i4ed De%osits in Indi$n Ru%ees- T!e )unds in t!is

$""ount $re not re%$tri$b#e 5on#y interest $""rued is re%$tri$b#e6-

*NR 5*orei+n urren"y Non Resident A""ounts6

It "$n be in t!e )orm o) )i4ed De%osits on#y, in t!e )ive m$&or "urren"ies, n$me#y US Do##$rs,

GBP, DM, Euro, $nd /$%$nese en- T!e )unds in t!is $""ount $re )u##y re%$tri$b#e-

37OLESALE BAN2ING

=1


44/71

3!o#es$#e b$n(in+ is t!e %rovision o) servi"es by b$n(s to t!e #i(e o) #$r+e "or%or$te "#ients,

mid9sied "om%$nies, re$# est$te deve#o%ers $nd investors, intern$tion$# tr$de )in$n"e businesses

$nd institution$# "ustomers, su"! $s %ension )unds $nd +overnment entities.$+en"ies- A#so

in"#uded is b$n(in+ servi"es o))ered to ot!er )in$n"i$# institutions- In essen"e, '!o#es$#e b$n(in+

servi"es usu$##y invo#ve !i+! v$#ue tr$ns$"tions- 3!o#es$#e b$n(in+ "om%$res 'it! ret$i#

b$n(in+, '!i"! is t!e %rovision o) b$n(in+ servi"es to individu$#s-

3!o#es$#e b$n(in+ servi"es

or%or$te servi"e

or%or$te B$n(in+ re)#e"ts 7D* B$n(Hs stren+t!s in %rovidin+ our "or%or$te "#ients in Indi$, $

'ide $rr$y o) "ommer"i$#, tr$ns$"tion$# $nd e#e"troni" b$n(in+ %rodu"ts- 3e $"!ieve t!is

t!rou+! innov$tive %rodu"t deve#o%ment $nd $ 'e##9inte+r$ted $%%ro$"! to re#$tions!i%

m$n$+ement-

L$r+e or%or$te

Su%%#y !$in P$rtners

A+ri"u#tur$# Lendin+

Sm$## 8 medium term enter%rises

7D* B$n( underst$nds !o' mu"! o) !$rd 'or( +oes into est$b#is!in+ $ su""ess)u# SME-

B$n( $#so underst$nds t!$t business is $nyt!in+ but Jsm$##J $nd $s dem$ndin+ $s ever- And $s

business e4%$nds $nd enters ne' territories $nd m$r(ets, %erson need to (ee% %$"e 'it! t!e

+ro'in+ reCuests t!$t "ome in, '!i"! m$y #e$d to %ur"!$sin+ ne', or u%d$tin+ e4istin+ %#$nt $nd

eCui%ment, or em%#oyin+ ne' st$)) to "o%e 'it! t!e dem$nd- T!$tHs '!y 7D* B$n( !$s

$ssemb#ed %rodu"ts, servi"es, resour"es $nd e4%ert $dvi"e to !e#% ensure t!$t your business

e4"e#s-

T!e )o##o'in+ e#ements 'i## !e#% identi)y individu$# needs-

*unded Servi"es-

==


45/71

Non9*unded Servi"es-

S%e"i$#ied Servi"es-

>$#ue Added Servi"es-

Internet B$n(in+-

*in$n"i$# institutions 8 trusts

B$n(s-

*in$n"i$# Institutions-

Mutu$# *unds-

Sto"( Bro(ers-

Insur$n"e om%$nies-

ommodity Businesses-

Trusts-

Government Se"tor

7D* B$n( $"ts $s $n $"tive medium bet'een t!e +overnment $nd t!e "ustomers by me$ns o)

v$rious servi"es- T!ese servi"es in"#ude:

=?


46/71

T$4 o##e"tion '!erein "ustomers "$n dire"t#y %$y t!eir t$4es #i(e Dire"t t$4es, Indire"t t$4es

$nd S$#es T$4 "o##e"tions $t t!eir #o"$# 7D* B$n(-

E9Ti"(etin+ 9 7e#%s t!e "ustomer by %rovidin+ !im $ dire"t $""ess to boo( $ R$i#'$y Ti"(et

on#ine $nd +et it !ome de#ivered-

O%enin+ o) L.Hs is done by t!e b$n( on be!$#) o) Government o) Indi$, Mints $nd Presses, t!us

)$"i#it$tin+ im%orts )or t!e Government-

o##e"tion o) #evies $nd t$4es on be!$#) o) Muni"i%$# or%or$tions i-e- 2$#y$n 9Dombiv#i

Muni"i%$# or%or$tion, is undert$(en by t!e B$n(-

o##e"tion o) st$m% duty is done vi$ )r$n(in+ mode in t!e st$teHs o) M$!$r$s!tr$ 8 Gu&$r$t-

T!e St$m% Duty *r$n(in+ *$"i#ity is $v$i#$b#e $t )o##o'in+ br$n"!es in M$!$r$s!tr$ *ort,

!embur, Lo'er P$re#, Mir$ Ro$d, T!$ne 5T$#$o P$#i6, P$nve#, R$tn$+iri, Pune5* Ro$d6,

2o#!$%ur, N$+%ur, Pim%ri-

T!e St$m% Duty *r$n(in+ *$"i#ity is $v$i#$b#e $t )o##o'in+ br$n"!es in Gu&$r$t

Disbursement o) Pension to retired Em%#oyees o) entr$# Govt $nd De)en"e is dire"t#y done by

7D* B$n( $#on+ 'it! t!e disbursement o) %ension to t!e members o) EP*O 5Em%#oyees

Provident *und Or+$nis$tion6-

E#e"troni" o##e"tion o) )ees on be!$#) o) DG*T is done by t!e b$n( too-

7UMAN RESOURE DEPARTMENT

=


47/71

7um$n Resour"e M$n$+ement )un"tion t!$t !e#%s m$n$+ers re"ruit, se#e"t, tr$in $nd deve#o%

members )or $n or+$ni$tion- Obvious#y, 7RM is "on"erned 'it! t!e %eo%#es dimension in

or+$ni$tions-

3or( )or"e o) $n Or+$ni$tion is one o) t!e most im%ort$nt in%uts o) "om%onents- It is s$id t!$t

%eo%#e $re our sin+#e most im%ort$nt $ssets- Be"$use o) t!e uniCue im%ort$n"e o) 7UMAN

RESOURE $nd its "om%#e4ity due to ever "!$n+in+ %sy"!o#o+y, be!$vior $nd $ttitudes o) men

$nd 'omen $t 'or(, in $## business "on"erns, t!ere is one "ommon e#ement- I-e- 7um$n

%ersonne# )un"tion, i-e-, m$n%o'er m$n$+ement )un"tion is be"omin+ in"re$sin+#y s%e"i$#ied-

T!e %ersonne# )un"tion or system "$n be bro$d#y de)ined $s t!e m$n$+ement o) %eo%#e $t 'or(9

m$n$+ement o) m$n$+ers $nd m$n$+ement o) 'or(ers- Personne# )un"tion is %$rti"u#$r#y

interested in %ersonne# re#$tions!i% $nd inter$"tion o) em%#oyees9!um$n re#$tions-

In $ sense, m$n$+ement is %ersonne# $dministr$tion- M$n$+ement is t!e deve#o%ment o) %eo%#e,

$nd not mere dire"tion o) m$teri$# resour"es- 7um$n "$%it$# is t!e +re$test $sset o) $ business

enter%rise- T!e essenti$# in+redient o) m$n$+ement is t!e #e$ders!i% $nd dire"tion o) %eo%#e-

E$"! m$n$+er o) %eo%#e !$s to be !is o'n %ersonne# m$n- Personne# m$n$+ement is not

somet!in+ you re$##y turn over to %ersonne# de%$rtment st$))-

Re#p"n#i$ilitie# "0 H!+an Re#"!r%e Depart+ent-

Ø 7RD m$int$in d$i#y $ttend$n"e re"ord t!rou+! br$n"! m$n$+er vi$ E9m$i#-

Ø T$(e de"isions )or $%%rov$# re+$rdin+ #e$ve notes-

=@


48/71


49/71

Ø om%$nys o'n 'ebsite-

Ø P#$"ement "onsu#t$nts-

Ø Advertisement in t!e ne's %$%ers #i(e Times o) Indi$, Gu&$r$t

S$m$"!$r-Ø Em%#oyee re)eren"e-

Re%r!it+ent Pr"%e##

Sele%ti"n

Ø Se#e"tion is t!e %ro"ess o) t$(in+ individu$#s out o) t!e %oo# o) &ob $%%#i"$nts 'it! reCuisite

Cu$#i)i"$tions $nd "om%eten"e to )i## &obs in t!e or+$ni$tion- It is de)ine $s t!e %ro"ess o)

di))erenti$tin+ bet'een $%%#i"$nts in order to identi)y $nd !ire t!ose 'it! $ +re$ter #i(e#i!ood

o) su""ess in $ &ob-

Ø Se#e"tion is b$sed on %rob$tion b$se, t!ey $re t$(in+ e4%erien"ed %erson )or < mont!s

%rob$tion $nd )or )res!er t!e %rob$tion %eriod is ye$r-

Ø 3!i#e t!e se#e"tion o) t!e senior #eve# %ost, is t$(en by !e$d o))i"e $t Mumb$i-

Training an- De;el"p+ent

Ø Tr$inin+ $ims $t in"re$sin+ t!e $%titudes, s(i##s $nd $bi#ities o) 'or(ers to %er)orm s%e"i)i"

&ob- It m$(es em%#oyees more e))e"tive $nd s(i##)u#- In %resent dyn$mi" 'or#d o) business

=F

Appli%ant

p""l

Pr"0ile

C*e%k

S*"rtli#t S%reening Inter;ie


50/71

tr$inin+ is more im%ort$nt t!ere is $n ever %resent need )or tr$inin+ men- So t!$t ne' $nd

"!$n+ed te"!niCues m$y be $do%ted- A ne' $nd "!$n+ed te"!niCue m$y be t$(en $s $n

$dv$nt$+es $nd im%rovement $))e"ted in t!e o#d met!ods-

Ø Tr$inin+ is #e$rnin+ e4%erien"e t!$t see(s re#$tive#y %erm$nent "!$n+e in $n individu$# t!$t

'i## im%rove !is.!er $bi#ity to %er)orm on t!e &ob-

Ø T!ey %rovide on t!e &ob tr$inin+ to t!eir em%#oyees in t!e br$n"! $s t!ey se#e"t t!ese

em%#oyees )or se##in+ v$rious %rodu"ts o) b$n( by dire"t m$r(etin+- 3!enever t!ey se#e"t

ne' "$ndid$tes )or $ny %ost, t!ey use to +ive t!em on t!e &ob 'or(-

Ø In "$se o) s$#es %ersons to distribute t!eir v$rious %rodu"ts, in t!e be+innin+ t!e %erson !$s to

'or( under t!e observ$tion o) !is senior t!en t!e !$ve to +o in m$r(et to !$ve t!eir o'n

e4%erien"e-

Ø T!e time )or tr$inin+ %ro+r$m )or t!e "$ndid$te is de%ends u% on t!e re#ev$nt %osition o) !is

'or( $re$- T!ey $#so %rovide tr$inin+ re#$ted to "ustomer "$re $nd "ommuni"$tion-

Per0"r+an%e Apprai#al

Ø An or+$ni$tions +o$#s "$n be $"!ieve on#y '!en %eo%#e %ut in t!eir best e))orts-

Per)orm$n"e $%%r$is$# m$y be understood $s t!e $ssessment o) $n individu$#s %er)orm$n"e

in $ system$ti" '$y- It is de)ine $s t!e system$ti" ev$#u$tion o) t!e individu$# 'it! res%e"t to

!is.!er %er)orm$n"e on t!e &ob $nd !is.!er %otenti$# )or deve#o%ment-

Ø To $%%r$ise t!e %er)orm$n"e o) t!e em%#oyee t!ey !$ve deve#o%ed $ "redit system on t!e

b$sis o) t!e +iven t$r+et to t!e em%#oyee- A)ter $%%r$isin+ t!e %er)orm$n"e o) t!e em%#oyee

t!ey %ut t!e +r$de o) e$"! em%#oyee in t!e )o##o'in+ +r$de "riteri$-

E+pl",ee Re+!nerati"n an- In%enti;e Pa,+ent#

Ø Remuner$tion is t!e "om%ens$tion $n em%#oyee re"eives in return )or !is.!er "ontribution to

t!e or+$ni$tion- Remuner$tion o""u%ies $n im%ort$nt %#$"e in t!e #i)e o) $n em%#oyee-

?;


51/71

Ø At 7D*, remuner$tion o) $n em%#oyee "om%rises '$+es $nd s$#$ry, in"entives-

• :age# an- Salar,

A %$rt )rom v$rious in"entives $nd bene)its, t!e %ersonne# $re "om%ens$ted on#y in terms o)

'$+es $nd s$#$ries- A %ro%er "om%ens$tion in terms o) t!is is ne"ess$ry )or motiv$tion

em%#oyees )or t!eir "ontinuous

Im%roved %er)orm$n"e- *or $## t!is, it is reCuired t!$t '$+es $nd s$#$ries $re %rovided

'e## by or+$ni$tion-

3$+es $nd s$#$ry re)ers to t!e est$b#is!ment $nd im%#ement$tion o) sound %o#i"ies $nd

%r$"ti"es o) em%#oyees "om%ens$tion- A '$+e $nd s$#$ry is t!e remuner$tion %$id )or t!e

servi"e o) #$bor in %rodu"tion %eriodi"$##y to $n em%#oyee- T!e b$n( is in servi"e industry so

t!e s$#$ry is +iven on mont!#y b$sis- T!ey use to !ire "ert$in s$#esm$n on "ommission b$se

$nd t!ey $re %rovided t!eir s$#$ries on "ommission b$se- 3!i#e ot!er %erm$nent st$)) $re

bein+ +iven mont!#y s$#$ries- As 7D* b$n( is re%uted b$n( in m$r(et t!e %$y s"$#e $re $s

%er t!e st$nd$rd-

S$#es e4e"utives 5"o$46 $re bein+ +iven s$#$ry o)


52/71

T!e em%#oyees o) 7D* $utom$ti"$##y be"ome 7D* b$n( s$#$ry $""ount 7o#ders 'it! s%e"i$#

bene)it $nd %rivi#e+es $nd re"eive inst$nt s$#$ry "redit- T!e bene)it in"#ude intern$tion$# debit

"$rd, "or%or$te "$rd 'it! individu$# #i$bi#ity 5IL6, $""ess to %!one b$n(in+ $nd internet

b$n(in+, dem$t $""ounts, $nd !ost o) ot!er servi"es to "om%#ement t!eir s$vin+s $""ount- 7ere

$re some o) t!e )e$tures o) 7D* B$n(s s$#$ry $""ount8

3"ti;ati"n

Motiv$tion is 'i##in+ness to do somet!in+ "onditioned by t!is $"tions $bi#ity to s$tis)y some

need- Motiv$tion is +iven by t!e res%onsib#e %erson, #i(e br$n"! m$n$+er or te$m m$n$+er )or

better %er)orm$n"e in t!e de%$rtment-

Di#p!te# an- t*eir re#"l!ti"n

Dis%utes $re "ommon in or+$ni$tions- In %r$"ti"e, dis%utes m$in#y re#$te to t!e t$r+et on#y

be"$use i) $ny em%#oyee is not $"!ievin+ t$r+et !e.s!e 'i## not e#i+ib#e )or in"entive '!i"!

"re$tes )rustr$tion $mon+ t!em-

Every em%#oyee is )ree to t$#( to t!e !e$d o) t!e %$rti"u#$r de%$rtment i) t!ey !$ve $ny %rob#em

re#$ted to t!e &ob- *irst#y, t!e %rob#em is so#ved by t!e !e$d o) t!e %$rti"u#$r de%$rtment $nd i)

t!e %rob#em does not so#ved by t!e !e$d o) t!$t de%$rtment t!en it is $ddressed to t!e 7R

M$n$+er-

MAR2ETING DEPARTMENT

?0


53/71

T!e $"tivities o) $ "om%$ny $sso"i$ted 'it! buyin+ $nd se##in+ $ %rodu"t or servi"e- It in"#udes

$dvertisin+, se##in+ $nd de#iverin+ %rodu"ts to %eo%#e- Peo%#e '!o 'or( in m$r(etin+

de%$rtments o) "om%$nies try to +et t!e $ttention o) t$r+et $udien"es by usin+ s#o+$ns, %$"($+in+

desi+n, "e#ebrity endorsements $nd +ener$# medi$ e4%osure-

A&$y 2e#($r, 7e$d, M$r(etin+, 7D* B$n(, s$id t!$t t!ese initi$tives $re es%e"i$##y t$r+eted $t

t!ose "onsumers '!o $re not $'$re $bout t!e b$n(Hs v$rious v$#ue $dded servi"es su"! $s dire"t

b$n(in+ )$"i#ities-

J3e $re +oin+ to demonstr$te t!e $dv$nt$+es o) net b$n(in+ $nd mobi#e b$n(in+, $s t!ese

"on"e%ts $re re#$tive#y ne' to %eo%#e #ivin+ in sm$##er to'ns $nd "ities,J s$id 2e#($r- T!e b$n(

!$s $#so #$un"!ed $not!er initi$tive "$##ed Business 2i B$ten, '!i"! is t$r+eted $t $re$s '!ere

t!e bu#( o) t!e %o%u#$tion "om%rises sm$## businessmen- 2e#($r s$id t!$t t!e b$n( 'ou#d +et

e4%erts to t$#( on $ number o) issues su"! $s v$#ue9$dd t$4 $nd s$#es t$4- B$n( "$n me$sure t!e

resu#t o) $ "$m%$i+n t!rou+! t!e s$#es t!$t t!ey +ener$te $nd t!e "ustomers t!$t $re $dded- T!ere

is $ "#e$r return on investment, '!i"! )rom $ )un"tion$# %oint o) vie' +ives t!e te$m $ stron+er

voi"e- B$n( !$s $#so been $b#e to redu"e t!eir $d s%ends by $bout ;9? %er "ent $nd !$s $#so

redu"ed t!e "ost o) $"Cuisition B$n(Hs )o"us in )uture 'ou#d be to en!$n"e its d$t$b$se m$r(etin+

initi$tives- B$n( %#$n to invest "#ose to Rs 0 "rore to "re$te t!e environment t!$t is reCuired to

su%%ort "ustomer inte##i+en"e t!$t #e$ds to d$t$ b$sed m$r(etin+-

7D* !$s "!$rtered $n e4tensive ustomer Li)e"y"#e b$sed m$r(etin+ "$m%$i+n "$#end$r )or

t!is $nd t!e )ort!"omin+ )is"$#- *r$"t$#, '!i"! s%e"i$#ies in %redi"tin+ t!e be!$vior o) t!e

"ustomers in t!e $re$s o) ris( $nd m$r(etin+, 'ou#d be %$rtnerin+ 7D* B$n(Hs m$r(etin+ te$m

in v$rious initi$tives o) +ro'in+ t!e ret$i# business Cui"(#y $nd "ost e))e"tive#y-

7D* !$s been usin+ $n$#yti"s )or t$(in+ in)ormed m$r(etin+ de"isions- *r$"t$# 'i## !e#% t!e

b$n( use in)orm$tion to re$"! ne' "ustomers $nd to bui#d, nurture $nd m$4imie #$stin+

"ustomer re#$tions!i%s- *r$"t$# 'i## $#so !e#% t!e b$n( so#ve t!e %rob#em o) ever9in"re$sin+

"ustomer $"Cuisition "osts $nd redu"in+ "ustomer #oy$#ty- T!e m$r(etin+ %ro+r$mmes 'ou#d

?1


54/71


55/71

M$r(et Se+ment$tion is de)ined $s t!e %ro"ess o) s%#ittin+ "ustomers, or %otenti$# "ustomers, in $

m$r(et into di))erent +rou%s, or se+ments, 'it!in '!i"! t!e "ustomers s!$re $ simi#$r #eve# o)

interest in t!e s$me or "om%$r$b#e sets o) needs s$tis)ied by $ distin"t m$r(etin+ %ro%osition it is

$#so e4%#$ined $s $ m$r(etin+ te"!niCue t!$t t$r+ets $ +rou% o) "ustomers 'it! s%e"i)i"

"!$r$"teristi"s, i-e- $ %$rti"u#$r +rou% t!$t !$s its o'n distin"t "ustomer %ro)i#e $nd buyer

"!$r$"teristi"s so t!$t )or m$r(etin+ %ur%oses, it "$n be t$r+eted se%$r$te#y )rom ot!er se+ments

o) t!e m$r(et-

It is $ (ey in+redient )or su""ess)u# m$r(etin+ $s it sim%#i)ies t!e t$r+etin+, %ositionin+ $nd t!e

%#$nnin+ %ro"ess-

A true M$r(et Se+ment meets $## o) t!e )o##o'in+ "riteri$: it is distin"t )rom ot!er se+ments

5!etero+eneity $"ross se+ments6, it is !omo+enous 'it!in t!e se+ments 5e4!ibits "ommon

$ttributes6, it res%onds simi#$r#y to $ m$r(et stimu#us $nd it "$n be re$"!ed by $ m$r(et

intervention- M$r(et Se+ment$tion sim%#i)ies t!e )irms %rodu"t, %ri"in+, %romotion $nd

distribution str$te+ies $nd $#so )$"i#it$tes %#$nnin+ $nd or+$niin+ )un"tion o) m$n$+ement more

e$si#y $nd "ost e))e"tive#y but it reCuires $ t!orou+! underst$ndin+ o) t!e "ustomers needs- It is

re)erred $s $ too# )or de)inin+ m$r(ets $nd t!ereby $##o"$tin+ resour"es it uses st$tisti"$#

te"!niCues "$##ed )$"tor $n$#ysis $nd "#uster $n$#ysis to "ombine $ttitudin$# $nd demo+r$%!i"

d$t$ to deve#o% se+ments t!$t $re e$sier to t$r+et-

M$r(et Se+ment$tion "$n be done on t!e b$sis o) t!e #o"$tion 5Geo+r$%!i" Se+ment$tion6 on t!e

b$sis o) $+e, in"ome, +ender $nd ot!er me$sur$b#e )$"tors 5Demo+r$%!i" Se+ment$tion6 on t!e

b$sis o) #i)esty#e, #i(es, dis#i(es, t$ste $nd %re)eren"es 5Psy"!o#o+i"$# Se+ment$tion6 $nd

$""ordin+ to t!e !istory, #oy$#ty $nd res%onsiveness 5Be!$vior$# Se+ment$tion6-

A business must $n$#ye t!e di))erent needs o) t!e m$r(et se+ments t!eir intern$# stren+t!s $nd

'e$(nesses e4tern$# o%%ortunities $nd t!re$ts $nd v$rious ot!ers )$"tors #i(e t!e mission,

vision, v$#ues, be#ie)s, $ttitudes, norms $nd st$nd$rds o) t!e or+$ni$tion $s 'e## $s t!e

"om%etitors str$te+y, so"i$# $nd "u#tur$# )$"tors, e"onomi" environment, +#ob$# %ers%e"tive,

demo+r$%!i" environment, te"!no#o+i"$# $nd %o#iti"$# . #e+$# $s%e"ts be)ore de"idin+ t!eir o'n

ni"!e-

??


56/71


57/71

+ood or servi"e is m$r(eted- It is m$in#y de)ined by $+e, +ender, +eo+r$%!y, so"io9e"onomi"

+rou%in+, or $ny ot!er "ombin$tion o) demo+r$%!i"s-

It is +ener$##y studied $nd m$%%ed by t!e or+$ni$tion t!rou+! #ist $nd re%orts "ont$inin+

demo+r$%!i" in)orm$tion t!$t m$y !$ve $n e))e"t on t!e m$r(etin+ o) (ey %rodu"ts . servi"es-

A %rodu"t )o"usin+ on $ s%e"i)i" t$r+et m$r(et "ontr$sts s!$r%#y 'it! one, )o##o'in+ t!e m$r(et

str$te+y o) m$ss m$r(etin+-

T$r+etin+ "$n be done by t!e )irms by $do%tin+ $ #o+i"$# $nd system$ti" met!odo#o+y . ste%s-

3!i"! $re $s )o##o's: 9

STEP 6( 1 I-enti0, t*e p"tential $!,er#( 9 T!rou+! %ro%er m$r(et rese$r"! $nd m$r(et

se+ment$tion 5it is t!e %ro"ess o) %u##in+ $%$rt t!e entire m$r(et $s $ '!o#e $nd se%$r$tin+ it into

m$n$+e$b#e dis%$r$te units b$sed on v$rious demo+r$%!i", %o#iti"$#, e"onomi" $nd so"i$# )$"tors

it "$n $#so be "ustomer . %rodu"t . "om%etition re#$ted se+ment$tion6-

STEP 4( 1 Sele%t t*e target a!-ien%e#( 1 T!e )$"tors t!$t in)#uen"e T$r+etin+ $re t!e Intern$#

$nd E4tern$# Environment- Intern$# environment in"#udes t!e mission, vision, v$#ues $nd

ob&e"tives o) t!e )irm '!ere$s E4tern$# )$"tors $re t!e so"i$#, "u#tur$#, e"onomi", +#ob$#,

demo+r$%!i", n$tur$#, t$s(, te"!no#o+i"$#, %o#iti"$# $nd #e+$# environment- T!rou+! $%%ro%ri$te#y

"om%i#in+ t!e "ustomers %ro)i#e to de"ide t!e = Ps Produ"t, Pri"e, P#$"e $nd Promotion $nd

obt$in t!e demo+r$%!i", %sy"!o#o+i"$#, +eo+r$%!i" $nd be!$vior$# in)orm$tion o) t!e buyer-

T$r+etin+ is de"idin+ t!e %otenti$# buyers, %rodu"ts to be o))ered $nd $%%ro%ri$te#y %ositionin+

e$"! %rodu"t to t!e se+ment-

STEP =( 1 Pr"per p"#iti"ning "0 t*e Pr"-!%t( 9 A)ter deve#o%in+ $n $%%ro%ri$te se+ment$tion

$nd t$r+et str$te+y %ositionin+ str$te+y "$n be 'or(ed out e))e"tive#y- Positionin+ en$b#es t!e

)irm to "re$te $ %ositive im$+e, +$in "om%etitive $dv$nt$+e $nd %#$"e t!e br$nd in t!e "ustomers

mind to en!$n"e t!eir +ood'i## $nd be"ome t!e most %re)erred br$nd-

?@


58/71

Positionin+ "$n be in t!e )orm o) %rodu"t, %ri"e, %romotion, servi"e, distribution "!$nne#, im$+e,

%eo%#e, $dvertisin+, %ub#i"ity, %ub#i" re#$tion or se##in+ di))erenti$tion-

Positionin+ Str$te+y

Positionin+ is t!e $"t o) desi+nin+ t!e "om%$nys o))erin+ $nd im$+e to o""u%y $ distin"tive

%#$"e in t!e t$r+et m$r(ets mind-

Positionin+ st$rts 'it! $ %rodu"t- A %ie"e o) mer"!$ndise, $ servi"e, $ "om%$ny, $n institution, or

even $ %erson- But %ositionin+ is not '!$t you do to $ %rodu"t- Positionin+ is '!$t you do t!e

mind o) t!e %ros%e"t- T!$t is, you %osition t!e %rodu"t in t!e mind o) %ros%e"t- A "om%$nysdi))erenti$tin+ $nd %ositionin+ str$te+y must "!$n+e $s t!e %rodu"t, m$r(et, $nd "om%etitors

"!$n+e over time- On"e t!e "om%$ny !$s deve#o%ed $ "#e$r %ositionin+ str$te+y, it must

"ommuni"$te t!$t %ositionin+ e))e"tive#y-

7D* b$n( !$ve %ositionin+ str$te+y o) ontinuin+ $ Tr$dition o) Trust- It is $""ur$te

%ositionin+ str$te+y be"$use it si+ni)ies $ trust 'it! its "#ients- 7ere is s%e"i$# Re#$tions!i%

M$n$+er dedi"$ted to'$rds "ustomer servi"e $nd s$tis)$"tion $nd +ive t!em +uid$n"e $bout

v$rious s"!emes '!i"! !e#%s t!em to +et ri+!t s"!eme '!i"! suit t!eir needs- In t!is '$y it

"ontinues to m$int$in $ trust 'it! its "#ients-

*INANE DEPARTMENT

In t!is modern er$ it is very e$sy to (no' !o' mu"! im%ort$nt t!e )in$n"e is in t!e business- As

"urrent %osition o) t!e m$r(et is tot$##y di))erent )rom $n"ient '!ere it '$s very e$sy to +et t!e

?


59/71

)in$n"e- But no' $ d$ys it is not so, it is very di))i"u#t t$s( to r$ise )unds )rom m$r(et- As tod$y

%eo%#e $re )$"in+ #ot o) %rob#em $nd !$ve #ess "on)iden"e on t!e m$r(et so it is di))i"u#t to r$ise

)und 'it!out %ro%er %#$nnin+-

*or t!e b$n( $s it is $ *in$n"i$# Institution 'e "$n "onsider )in$n"e $s #i)eb#ood o) t!is business-

T!e "om%$ny s!ou#d m$n$+e to +et su))i"ient )in$n"e- T!e "om%$ny s!ou#d use to (ee% %ro%er

%#$nnin+ )or t!e )in$n"e o) its o'n $nd $#so o) t!e #$r+e no- o) de%ositors '!o $re t!ere 'it! t!e

b$n(- 3e "$n de)ine )in$n"i$# m$n$+ement $s $ t$s( o) $"Cuisition $nd uti#i$tion o) )unds

needed in t!e business in $ m$nner so t!$t or+$ni$tions +o$# "$n be $"!ieved- In 7D* B$n(,

its "!ie) *in$n"i$# O))i"er $nd Tre$surer m$n$+e t!e )in$n"e- Due to %ro%er %o#i"ies $nd se%$r$te

m$n$+ement t!e "om%$ny "$n !$ve %ro%er o%er$tion o) )in$n"e-

ORGANI>ATION OF FINANCIAL ACTI.ITIES OF BAN'

*or t!e b$n( )in$n"e itse#) is t!e %rodu"t no' it is not $n e$sy t$s( to m$n$+e t!is )in$n"e- As

b$n( !$s to (ee% '$t"! on t!e de%osits o) its mi##ions o) "ustomers $nd $#so it !$s to m$n$+e its

o'n #$r+e )in$n"i$# b$se- As in re"ent it is %o%u#$r No )in$n"e no business, )or t!e b$n(

*in$n"e itse#) is business- T!ere $re di))erent ty%es o) or+$ni$tion$# stru"ture su"! $s +rou%

or+$ni$tion, #ine or+$ni$tion, #ine $nd st$)) or+$ni$tion- 7D* B$n( !$s #ine o) $ut!ority $nd

#ine o) $ut!ority is verti"$# i-e- $ut!ority %$sses )rom to% to bottom $nd res%onsibi#ity %$sses )rom

bottom to to% #eve# m$n$+ement-

As 7D* B$n( is very bi+ "om%$ny $nd it !$s #$r+e "#ient$# b$se so it is very di))i"u#t $nd

"om%#i"$ted to m$n$+e its )in$n"e in %ro%er '$y- T!ere 'e need o) "on"rete $nd %ro%er %o#i"ies

to !$ve %ro%er m$n$+ement o) it- Be"$use o) bi+ sie o) t!e b$n( one "$nnot m$n$+e $## t!e

$""ounts o) it $#one- So, "om%$ny !$s to $%%oint m$ny di))erent %ersons so t!$t t!ere is %ro%er

m$inten$n"e o) t!e )unds o) di))erent %ersons is %ossib#e-

?F


60/71


61/71

*INANIAL RESULTS 5INDIAN GAAP6 *OR T7E UARTER AND EAR ENDED

MAR7 1, 0;<

T!e Bo$rd o) Dire"tors o) 7D* B$n( Limited $%%roved t!e B$n(s 5Indi$n GAAP6 resu#ts )or

t!e Cu$rter ended M$r"! 1, 0;< $nd t!e $udited resu#ts )or t!e )u## ye$r ended M$r"! 1, 0;<

$t t!eir meetin+ !e#d in Mumb$i on *rid$y, A%ri# 00, 0;


62/71

Provisions $nd "ontin+en"ies )or t!e Cu$rter ended M$r"! 1, 0;< 'ere


63/71

by 0F-@K $nd 0@-0K res%e"tive#y 5$s %er intern$# business "#$ssi)i"$tion +re' by 0-=K $nd

0-?K res%e"tive#y6- T!e domesti" #o$n mi4 bet'een ret$i#: '!o#es$#e '$s ?:=F-

$%it$# AdeCu$"y: T!e B$n(s tot$# $%it$# AdeCu$"y R$tio 5AR6 $s %er B$se# III +uide#ines,

'$s $t ?-?K $s $t M$r"! 1, 0;< 5IDEND

T!e Bo$rd o) Dire"tors re"ommended $ dividend o) F-?; %er eCuity s!$re o) 0 )or t!e ye$r

ended M$r"! 1, 0;


64/71


65/71


66/71


67/71


68/71


69/71

*OT A-A3(I

S3OT An$#ysis is $ %o'er)u# te"!niCue )or underst$ndin+ your Stren+t!s $nd 3e$(nesses, $nd

)or #oo(in+ $t t!e O%%ortunities $nd T!re$ts you )$"e- Used in $ business "onte4t, it !e#%s you

"$rve $ sust$in$b#e ni"!e in your m$r(et- Used in $ %erson$# "onte4t, it !e#%s you deve#o% your

"$reer in $ '$y t!$t t$(es best $dv$nt$+e o) your t$#ents, $bi#ities $nd o%%ortunities-

S3OT ANALASIS O* 7D* BAN2

STRENGT7

Ri+!t str$te+y )or t!e ri+!t %rodu"ts-

Su%erior "ustomer servi"e vs- "om%etitors-

Gre$t Br$nd Im$+e

Produ"ts !$ve reCuired $""redit$tions-

7i+! de+ree o) "ustomer s$tis)$"tion-

Good %#$"e to 'or(

Lo'er res%onse time 'it! e))i"ient $nd e))e"tive servi"e-

Dedi"$ted 'or()or"e $imin+ $t m$(in+ $ #on+9term "$reer in t!e )ie#d-

3EA2NESSES

Some +$%s in r$n+e )or "ert$in se"tors-

ustomer servi"e st$)) needs tr$inin+-

Pro"esses $nd systems, et"

M$n$+ement "over insu))i"ient-

Se"tori$# +ro't! is "onstr$ined by #o' unem%#oyment #eve#s $nd "om%etition )or

st$))


70/71

OPPORTUNITIES

Pro)it m$r+ins 'i## be +ood-

ou#d e4tend to overse$s bro$d#y-

Ne' s%e"i$#ist $%%#i"$tions-

ou#d see( better "ustomer de$#s-

*$st9tr$"( "$reer deve#o%ment o%%ortunities on $n industry9'ide b$sis-

An $%%#ied rese$r"! "entre to "re$te o%%ortunities )or deve#o%in+ te"!niCues to %rovide

$dded9v$#ue servi"es-

T7REATS

Le+is#$tion "ou#d im%$"t-

Gre$t ris( invo#ved

>ery !i+! "om%etition %rev$i#in+ in t!e industry-

>u#ner$b#e to re$"tive

$tt$"( by m$&or "om%etitors

L$"( o) in)r$stru"ture in rur$# $re$s "ou#d "onstr$in investment-

7i+! vo#ume.#o' "ost m$r(et is intense#y "om%etitive-

2E POINT

S3OT An$#ysis is $ sim%#e but %o'er)u# )r$me'or( )or $n$#yin+ "om%$nyHs Stren+t!s $nd

3e$(nesses, $nd t!e O%%ortunities $nd T!re$ts you )$"e- T!is !e#%s you to )o"us on your

stren+t!s, minimie t!re$ts, $nd t$(e t!e +re$test %ossib#e $dv$nt$+e o) o%%ortunities $v$i#$b#e to

you-

@;


71/71

BIBLIOGRAP7

Boo(s Re)erred:

P!i#i% 2ot#er 5Ei+!t Edition6, M$r(etin+ M$n$+ement

T-N !!$br$, 7um$n Resour"e M$n$+ement

3EBSITES RE**ERED:

'''-'i(i%edi$-"om

'''-!d)"b$n(-"om

'''-+oo+#e-"o-in

Re%orts.Arti"#es Re)erred:

Annu$# Re%ort o) 7D* B$n( 0;?
http://www.wikipedia.com/http://www.hdfcbank.com/http://www.google.co.in/http://www.wikipedia.com/http://www.hdfcbank.com/http://www.google.co.in/

project_on_retail_banking_aparajita.doc

Documents