spr of hdfc bank limited

8/11/2019 Spr of Hdfc Bank Limited

1/19

A

PROJECT STUDY REPORT

ON

TRAINING UNDERTAKEN AT

TO STUDY THE CUSTOMER PREFRENCE & ATTRIBUTES TOWARDS SAVING,CURRENT AND SALARY ACCOUNT OF HDFC BANK AND COMPARE WITH ITS

COMPETITORS

A PROJECT REPORT SUBMITTED IN PARTIAL FULFILMENT OF THE DEGREEOF

POST GRADUATE DIPLOMA IN MANGEMENT (MARKETING)

BY

PRIYA KHARE

(ROLL NO.BM!")

UNDER THE GUIDENCE OF

MRS. SHRIPADA PATIL

A STUDY CONDUCTED FOR HDFC BANK LIMITED

AT

INDIRA SCHOOL OF BUSINESS STUDIES,

TATHWADE, PUNE


2/19

ABOUT HDFC BANK

T#$ H%'* D$+$%-$/ F01$ C%2-%20/% L/$3 (HDFC) 40' 0%*'/ /#$ 52'//% 2$1$+$ 0 6 -21-$ 0--2%+0 52% /#$ R$'$2+$ B07 %5 I30 (RBI) /% '$/ - 0807 /#$ -2+0/$ '$1/%2 0' -02/ %5 /#$ RBI' 8$2090/% %5 /#$ I30 B07*I3'/2: ;;


3/19


4/19

$2% B001$ A11%/ 5%2 BHEL E-%:$$' 03 /#$2 F0:

L5$/$ 52$$ 12$3/ 1023

DE 0/ '$2+1$' 52$$

= I'201$ C%+$2

W/#32040 / -$2 30:

T#$'$ 02$ '%$ 501/$' 8$$ -2%+3$3 8: HDFC BANK 4#1# 02$ %/ 8$$ -2%+3$3 8:%/#$2 PSU B07'.

HDFC 40/$3 /% -$$/ '/20/$*: %23$2 /% #0+$ '002: 2$0/%'#- %5 -81 '$1/%2/' 7$ BHEL.B/ /% #0+$ / 4 2$@2$ %/ %5 0402$$'' %5 HDFC O55$2*' 038$//$2 1'/%$2 S$2+1$'.

E+$ HDFC B07 /#$ 501/: 7$ 5%2 '002: 011%/ %1$ /#$ '002: ' 8$$ 12$3/$3 /%/#$ 011%/ #%3$2 011%/ /#$ 807 /'$5 *+$ /#$ '002: /% /#$ 3+30 011%/ %5 /#$$-%:$$' %5 /#$ 1%-0:.

ADVANTAGES

W$ %55$2 /#$ 1%2-%20/$ '002: 011%/, 4#1# 0%4 $-%:$2 /% 07$ '002: -0:$/' /%0 *2%- %5 $-%:$$' 4/# 0 '*$ /20'5$2. W$ /#$ /20'5$2 /#$ 53 /% /#$ $-%:$$'3+30 011%/ 03 %55$2 /#$ -2$5$2 '$2+1$', '1# 0' -2$5$2$/0 %0 20/$', 03 '%$ 10'$' %4$2 8001$ 2$@2$$/. T#' 011%/ 1%'///$3 0--2%?0/$:


5/19


6/19

! F%2$* C22$1: D205/'

! F%2$* C22$1: C#$@$ D$-%'/'

! F%2$* C22$1: R$//01$'

! C0'# /% M0'/$2

! F%2$?P' C023

P$)nt S'%"cs

! N$/ S05$

! P2$-03 R$5

! B P0:

! D2$1/ P0:

! V'0 M%$: T20'5$2

! E!M%$' E$1/2%1 F3' T20'5$2

! E?1'$ & S$2+1$ T0? P0:$/

Accss #ou' B$n*

! O$ V$4

! I'/0 A$2/'

! M%8$ B07*

! ATM

! P#%$ B07*

! B201# N$/4%27

. C$'+s

! S+$2 C2$3/ C023

! G%3 C2$3/ C023

! W%0' G%3 C2$3/ C023

! P0/ -' C2$3/ C023


7/19

! T/0 C2$3/ C023

! V0$ -' C2$3/ C023

! H$0/# -' C2$3/ C023

! HDFC B07 I3$0 S+$2 C023

! HDFC B07 I3$0 G%3 C023

! C%-02$ C023'

! T20'5$2 & S05$

! T2017 :%2 C2$3/ C023

Gt ,o' 'o #ou' C$'+ ! O55$2' & S0+*'

! M: R$4023'

! I'/0 W%3$2'

! A33!O C023'

! C2$3/ C023 U'0*$ G3$

! E0': EMI

! N$/ '05$

! S02/ P0:

! S$12$ P'

! M: C/: B$$5/ C023

! D$8/ C023'

! E0': S#%- I/$20/%0 D$8/ C023

! E0': S#%- G%3 D$8/ C023

! E0': S#%- I/$20/%0 B'$'' D$8/ C023

! E0': S#%- W%0' A3+0/0*$ D$8/ C023

! P2$-03 C023'

! F%2$? P' C023


8/19

! K'0 C023

I. Custo' Cnt'

! O55$2' & D$0'

! W$2' %5 C%/$'/' & P2%%/%'

. WHOLESALE BANKING

A. Co'!o'$t

F3$3 S$2+1$'

N% F3$3 S$2+1$'

V0$ A33$3 S$2+1$'

I/$2$/ B07*

B. S$// & ,+"u Ent'!'"ss

F3$3 S$2+1$'

N%!F3$3 S$2+1$'

S-$109$3 S$2+1$'

I/$2$/ B07*

C. F"n$nc"$/ Inst"tut"ons & T'usts

B07'

F010 I'///%'

M/0 F3'

S/%17 B2%7$2'

ABOUT A0IS BANK


9/19

A?' B07 40' /#$ 52'/ %5 /#$ $4 -2+0/$ 807' /% #0+$ 8$* %-$20/%' ;;%/: 8: /#$ A3'/20/%2 %5 /#$ '-$15$3 3$2/07* %5 /#$ U/ T2'/ %5I30 (UTI ! I), L5$ I'201$ C%2-%20/% %5 I30 (LIC) 03 G$$20 I'201$

C%2-%20/% %5 I30 (GIC) 03 %/#$2 PSU '201$ 1%-0$', .$. N0/%0 I'201$C%-0: L/3.

T#$ N$4 I30 A''201$ C%-0: L/3. /#$ O2$/0 I'201$ C%-0: L/3. 03U/$3 I30 I'201$ C%-0: L/3. T#$ B07 /%30: ' 10-/09$3 /% /#$ $?/$/ %5 R'."=.= 12%2$' 4/# /#$ -81 #%3* (%/#$2 /#0 -2%%/$2') 0/ =..T#$ B07' R$*'/$2$3 O551$ ' 0/ A#030803 03 /' C$/20 O551$ ' %10/$3 0/M80. P2$'$/:, /#$ B07 #0' 0 +$2: 43$ $/4%27 %5 %2$ /#0 8201# %551$'03 E?/$'% C%/$2'. T#$ B07 #0' 0 $/4%27 %5 %+$2 =< ATM' -2%+3* < #2' 030: 807* 1%+$$1$ /% /' 1'/%$2'. T#' ' %$ %5 /#$ 02*$'/ ATM $/4%27' /#$1%/2:.

T#$ B07 #0' '/2$*/#' 8%/# 2$/0 03 1%2-%20/$ 807* 03 ' 1%//$3 /% 03%-/*/#$ 8$'/ 3'/2: -201/1$' /$20/%0: %23$2 /% 01#$+$ $?1$$1$.

A?' 807 %55$2' /' '$2+1$' 0>%2: 5%2 -02/'

A. P$2'%0B. C%2-%20/$C. NRID. P2%2/: 807*

P$2'%0 A?' 807 %55$2' +02%' '$2+1$' 5%2 3+30 3%$'/1 1'/%$2', 4#1#13$' '$2+1$' 7$

. A11%/'. D$-%'/'". L%0'


10/19

ACCOUNT

$2% 8001$ '0+* 011%/.

E0': 011$'' '0+* 011%/. P2$ '0+* 011%/. S002: -%4$2. P%4$2 '0/$. S$%2 1/9$' 011%/. W%$' '0+* 011%/. N*% '0+* 011%/. P$'% '0+* 011%/.

DEPOSITS

F?$3 3$-%'/. R$122* 3$-%'/. E10'#


11/19

T#$ $2*$2 %5 /#$ $2'/4#$ 5010 '///% ICICI /$3 4/# /#$ 807 A-2*0+$ / 0 2$03:!03$ 1%2-%20/$ 1$/$$. T#$ 5- '3$ 40' /#0/ ICICI 807 #03 R'., 12%2$ %5 2$'/21/2$3 0''$/' 5%2 4#1# / #03 /% 07$ -2%+'%'.

ICICI B07 #0' /%/0 0''$/' %5 R'. ",;;.;= 8% (US 8%) 0/ M021# ",03 -2%5/ 05/$2 /0? %5 R'.


12/19

D55$2$/ -2%31/' 03 '$2+1$' -2%+3$3 8: /#$ 807.

C'/%$2' -$21$-/% 08%/ /#$ 355$2$/ -2%31/'.

T#$ 8203 0*$ %5 /#$ 807.

W#0/ 02$ /#$ -2%8$' 501$3 8: /#$'$ '0$' $?$1/+$' 30: 80''.

H%4 /% 1%10/$ 4/# /#$ 1'/%$2'.

D55$2$/ /$1#@$' %5 3$0* 4/# /#$ 1'/%$2'.

H%4 /% 1%+1$ 03 1%+$2/ 0 1'/%$2 /% 0 2$0 1'/%$2

OB1ECTIVES OF RESEARCH PRO1ECT:

PRI,AR# OB1ECTIVES:

T% 3$2'/03 /#$ %55$2* 52% /#$ %/#$2 807' 03 /#$2 '$2+1$' 03 -2%31/'

/#0 1%-02$ 4/# HDFC B07 %55$2*'.

D% 0402$$'' /#$ %2*090/% /#2%*# $?/$/ .$. CANOPY, CLUB

ACTIVITY.

T% 3$2'/03 /#$ $$3' 03 $?-$1/0/% %5 1'/%$2 03 -2%+3$ '$2+1$' 8:

1'/%90/%.

T% %-$ $4 '0+*' 011%/' 8: 1%+1* 1'/%$2' 03 /% -2%%/$ /#$

8$$5/' %5 /#%'$ 4#1# 02$ -2%+3$3 8: /#$ 807.

T% 53 /#$ 355$2$/ 40: %5 1%+1* 1'/%$2'.

T% '/3: 8203 0*$ %5 /#$ 807.

T% 12$0'$ /#$ 8'$'' %5 /#$ 807.

RESEARCH ,ETHODOLOG# AND LI,ITATIONS


13/19

A /#$ 53*' 03 1%1'%' %8/0$3 02$ 80'$3 % /#$ '2+$: 3%$ /#$ 4%27*

02$0 4/# /#$ /$ /. I /2$3 /% '$$1/ /#$ '0-$ 2$-2$'$/0/+$ %5 /#$ 4#%$ *2%-

32* : >%8 /20*. I #0+$ 1%$1/$3 30/0 52% -$%-$ 7$3 4/# 355$2$/

-2%5$''%.F%2 /#' /:-$ %5 2$'$021#, 30/0 ' 1%$1/$3 8: 8%/# -202: 0' 4$ 0'

'$1%302: '%21$ 0' /#$ /%-1 ' /% 3$2'/03 /#$ S002:, '0+*, 122$/ 011%/

2$0/%'#- 4#1# ' 80'10: 3$'12-/+$ 03 $?-%20/%2: 0/2$. T#$ 2$'$021# 4 8$

3$'12-/+$ 2$'$021#. F%2 /#' -2-%'$ %5 -202: 30/0 0 @$'/%02$ #0' 8$$ -2$-02$3.

RESEARCH DESIGN:

R$'$021# 40' /0/$3 8: $?0* /#$ '$1%302: 30/0 /% *0 '*#/ /% /#$

-2%8$. B: 00:9* /#$ '$1%302: 30/0, /#$ '/3: 0 ' /% $?-%2$ /#$ '#%2/ 1%*'

%5 /#$ -2$'$/ ':'/$ 03 -202: 30/0 4 #$- /% +030/$ /#$ 00:'' %5 '$1%302: 30/0

8$'3$' % 2$+$0* /#$ 02$0' 4#1# 10' 5%2 -2%+$$/.

DEVELOPING THE RESEARCH PLAN

T#$ 30/0 5%2 /#' 2$'$021# -2%>$1/ #0' 8$$ 1%$1/$3 /#2%*# '$5 A3'/20/%. D$

/% /$ /0/% 03 %/#$2 1%'/20/' 32$1/ -$2'%0 /$2+$4 $/#%3 ' '$3. A

'/21/2$3 @$'/%02$ 40' 520$3 0' / ' $'' /$ 1%'*, *$$20/$' '-$151 03

/% /#$ -%/ 5%20/%, $0'$2 /% /080/$ 03 /$2-2$/. M%2$%+$2 2$'-%3$/' -2$5$2 /%

*+$ 32$1/ 0'4$2'.

I @$'/%02$' %-$ $3$3 03 1%'$3 $3$3, 8%/# /#$ /:-$' %5 @$'/%' #0' 8$$

'$3.

COLLECTION OF DATA

S$1%302: D0/0 I/ 40' 1%$1/$3 52% /$20 '%21$'.

T#$ '$1%302: 30/0 40' 1%$1/$3 %

/#$ 80'' %5 %2*090/%0 5$, %5510 2$1%23', $4' -0-$2', 0*09$', 00*$$/

8%%7' -2$'$2+$3 5%20/% /#$ 1%-0:' 30/080'$ 03 4$8'/$ %5 /#$ 1%-0:.


14/19

P202: 30/0 A /#$ -$%-$ 52% 355$2$/ -2%5$''% 4$2$ -$2'%0: +'/$3 03

/$2+$4$3. T#$: 4$2$ /#$ 0 '%21$ %5 P202: 30/0. T#$ $/#%3 %5 1%$1/% %5

-202: 30/0 40' 32$1/ -$2'%0 /$2+$4 /#2%*# 0 '/21/2$3 @$'/%02$.

SA,PLING PLAN

S1$ / ' %/ -%''8$ /% '/3: 4#%$ +$2'$, / 8$1%$' $1$''02: /% /07$ '0-$ 52%

/#$ +$2'$ /% 7%4 08%/ /' 1#0201/$2'/1'.

S0-* U/' D55$2$/ -2%5$''%0' C#02/$2$3 A11%/0/', T0? C%'/0/',

L04:$2', B'$'' M0, P2%5$''%0' 03 H%'$ W+$'

S0-$ T$1#@$R03% S0-*.

" R$'$021# I'/2$/ S/21/2$3 $'/%02$.

< C%/01/ M$/#%3 $'/%02$ 03 P$2'%0 I/$2+$4.

SA,PLE SI2E:

M: '0-$ '9$ 5%2 /#' -2%>$1/ 40' = 2$'-%3$/'. S1$ / 40' %/ -%''8$ /% 1%+$2

/#$ 4#%$ +$2'$ /#$ 0+008$ /$ -$2%3, / 40' $1$''02: 5%2 $ /% /07$ 0 '0-$

'9$ %5 = 2$'-%3$/'.

DATA COLLECTION INSTRU,ENT DEVELOP,ENT:

T#$ %3$ %5 1%$1/% %5 30/0 4 8$ 80'$3 % S2+$: M$/#%3 03 F$3 A1/+/:.

P202: 30/0 1%$1/% 4 80'$ % -$2'%0 /$2+$4. I #0+$ -2$-02$3 /#$ @$'/%02$

011%23* /% /#$ $1$''/: %5 /#$ 30/0 /% 8$ 1%$1/$3.


15/19

FINDINGS

S%$ 1'/%$2' 02$ %/ '0/'5$3 4/# /#$ 501/$' 03 '$2+1$' 4#1# 02$

-2%+3$3 8: HDFC B07. T#$ 1'/%$2 40/' /% 12$0'$ /#$ 8$2 %5 ATM'03 %2$ 8201#$' %5 HDFC B07 /#$ 220 02$0'.

C'/%$2' 02$ %/ '0/'5$3 4/# /#$ %! 0/$01$ 1#02*$' %5 355$2$/

-2%31/'.

T#$ 807 #0' *%%3 2$0/% 4/# /' 1'/%$2'. T#$ 1'/%$2' 02$ +$2: '0/'5$3

4/# /#$ 2$0/%'#- 00*$2 '$2+1$ -2%+3$3 8: HDFC B07.

T#$ 807 03 /' 1'/%$2' #0+$ 0 %* /$2 2$0/%'#-. HDFC B07 #0' /#$

/$3$1: /% 2$/0 /' 1'/%$2' 0/ 0: 1%'/. T#$: 8$$+$ /#0/ /#$ %3 1'/%$2 '

%2$ -2%5/08$ '/$03 %5 0 $4 %$ /#0/' 4#: /#$: /2: /% 0/0 *%%3 03

%* /$2 2$0/%' /% /#$2 1'/%$2'.

T#$ 011%/' OF HDFC 807 (8%/# '002: & '0+*) -2%+3$ *2$0/ 5$?8/:

/$2' %5 %55$2*.

T#$ 011%/' %5 /#$'$ /#2$$ 807' 3%/ #0+$ 1# 355$2$1$ /$2' %5 5$0/2$'

8/ 4#$ / 1%$' /% '$2+1$ -2%+3* /#$ HDFC B07 *$/' 0 $3*$ 8$10'$ %5

/#$2 *2$0/ 1'/%$2 '$2+1$'.

SUGGESTIONS

T#$ 807 '#%3 0'% /02*$/ /#$ '0 8'$'' / 5%2 4#% 0/$01$ %5 /#$

AB (A+$20*$ 02/$2: B001$) ' %/ 0 -2%8$ 0' /#' '$*$/ ' %/ 1#-$$/20/$3.

T#%*# /#$ 807 %55$2 /#$ 3%%2 '/$- 807* %1$ 0 30: /#' 501/ ' 0'% %/

7%4 /% 0: 1'/%$2 %2 /#$: '/ 3% %/ /2'/ /#' '$2+1$ 4#0/$+$2 /#$

2$0'%. T#$ 807 10 -%-029$ /#' '$2+1$ /% *0 0 $3*$ %+$2 0/%09$3 03

1%!%-$20/+$ 807'

T% 07$ -$%-$ 0402$ 08%/ /#$ 8$$5/ %5 8$1%* HDFC B07' S0$'

E?$1/+$, 5%%4* 01/+/$' %5 03+$2/'$$/ '#%3 8$ 3%$ /#2%*#


16/19

. P2/ M$30.

. H%023* & B0$2'.

". S/0' T203$ F02$'

$1/ 02$!

T#$ -2%>$1/ 40' 1%'/20$3 8: /$ / %5 /4% %/#'.

M3'$/ %5 -$%-$ 0: +$2: 3$-$3* -% /#$2 0*$, *$3$2, 1%$ $/1.

G$//* 0--%/$/ 52% /#$ 1%1$2 -$2'% 40' +$2: 3551/.


17/19

P$%-$ 3 '$/ 08%/ /#$ '2+$: 40' 0 %8'/01$ 01@2* 1%-$/$

5%20/% & -%'/+$ /$201/%.

R$'-%3$/' 4$2$ +$2: 8': /#$2 '1#$3$. S% / 40' +$2: /$ 1%'*

5%2 /#$ /% 0'4$2 0 /#$ @$'/%' -2%-$2:.

3ust"onn$"'

N0$. A332$'' G$3$2 ... A*$.. O11-0/%

) W#1# 1%$ *2%- 3% :% 8$%* /%

0) L$'' /#0 =, -.0.8) =, /% , , -.0.1) , , /% ", , -.0.3) ", , /% =, , -.0.$) M%2$ /#0 =, , -.0.

.W#1# 807' :% 02$ #0+* '002: 2$0/%'#- 4/#A) S.B.IB) HDFC

C) PNBD) ICICI

". A%* *%+$2$/ 03 -2+0/$ 807' 4#1# %$ :% -2$5$2A) G%+$2$/ 807B) P2+0/$ 807


18/19

. W#0/ -2%8$ :% 501$ -2+0/$ 807A) SERVICESB) CHARGES

C) TIMINGSD) OTHERS

. H%4 0: /$' 0 %/# :% +'/ 0 807A) !" /$'B)

. W#0/ 0: 02$ /#$ 2$0'%' 5%2 #0+* '002: 2$0/%'#- 0: 4/# PSUSB07'

A) TOP LEVEL DECISIONB) OLD RELATIONSHIPC) NOT INTERESTED IN PRIVATE BANKSD) OTHER

. D% :% #0+$ 0: '0+* 011%/ HDFC B07A) YESB) NO

. I 1%-02'% /% P81 S$1/%2 B07' 03 HDFC, 4#1# :% 4 -2$5$2 /$2'%5 501/$' 03 4#:

". A2$ :% '0/'5$3 4/# /#$ '$2+1$' 8$$ %55$2$3 8: HDFC 807 03 4#:

!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!


19/19

spr of hdfc bank limited

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