The document appears to be about HDFC Bank and includes sections on acknowledgements, preface, introduction to banking, banking system in India, functions of banks, classification of banks, and housing development finance corporation (HDFC Bank). It provides background information on HDFC Bank, including its history and role in the Indian banking system.

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HDFC BANK
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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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Jai Shree Ram, Dosto
i am vikas gupta, age 31 years . i start a gaming website named
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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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HDFC BANK
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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 India
Company established there banks, The bank of Bengal in 1809, the
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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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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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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 co-
operative 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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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 its
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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. Holder Capital
1. ADS Depository (J P Morgan 6,03,38,247 19.27
Chase Bank)
2. Housing Development finance 3,88,60,000 12.41
Corporation Limited
3. HDFC Investments Limited 3,00,00,000 9.58
4. Crown Capital Limited 1,54,89,634 4.95
5. DBS Bank Limited 1,16,20,886 3.71
6. Life Insurance Corporation of India 95,18,096 3.04
7. Bennett Coleman & Company 88,49,929 2.83
Limited
8. FID Funds (Mauritius) Limited 61,88,781 1.98
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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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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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 customer
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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 well positioned as
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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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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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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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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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Profit After Tax (Rs. Crore)
1000
871
800
666
600 East
510
400 West
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
450
400
350 East
300
West
200
North
100
0
2004 2005 2006
Findings: DPS is increase by 100% per year
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Dividend Per Share (Rs.)
600
550
500
450
400
350 East
300
West
200
North
100
0
2004 2005 2006
Saving Deposit (Rs. Crore)
20000
16186
15000
11418 East
10000
7804 West
5000 North
0
2004 2005 2006
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ATM's
1400 1323
1200 1147
1000 910
800 East
600 West
400 North
200
0
2004 2005 2006
ATM's
1400 1323
1200 1147
1000 910
800 East
600 West
400 North
200
0
2004 2005 2006
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BALANCE SHEET AT 31ST MARCH, 2006
(Rs. Lacs)
Capital & Liabilities Schedule As at 31-3-06
As at 31-03-05
Capital 1 31314 30988
Reserve & Surplus 2 498639 420997
Employees stock options 7 43
(grants) outstanding
Deposits 3 5579682 3635425
Borrowings 4 285848 479001
Subordinated debt 170200 50000
Other liabilities & 5 784949 526446
provisions
Total 7350639 5142900
Assets:
Cash & balance with RBI 6 330661 265013
Balances with Bank & 7 361239 182387
money at call & short
notice
Investments 8 2839396 1934981
Advances 9 3506126 2556630
Fixed Assets 10 85508 70832
Other Assets 11 227709 133057
Total 7350639 5142900
Contingent liabilities 12 21478234 14077715
Bills for collection 282889 254968
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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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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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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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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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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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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VARIOUS SCHEMES OF BANK
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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/-.
 First Cheque book is free
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 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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COMPARATIVE TABLE
(Regular & Premium current A/c)
Feature Current A/c Regular Current A/c
premium
Who can open Anybody except Anybody except-
minor minor
Initial deposit Rs.10,000 Rs.25,000
required
Minimum Avg. Rs.10,000 Rs.25,000
Quarterly Balance
(AQB)
Service charges for Rs.750/- per quarter Rs.900 per quarter
non maintains of AQB
Cheque book One book free All Cheque book free
containing 50 leaves
additional Cheque
leaf at Rs.2/-
ATM Card For individual /sole For individual / sole
proprietorship A/c proprietorship A/c
Interest payable NIL Nil
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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 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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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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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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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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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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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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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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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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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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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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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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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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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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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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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 added services.
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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 : Rs.7,500 plus
Minimum number of employees : 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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• 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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• 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
 Demat Account
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 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".
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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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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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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• 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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CHARGES OF SAVINGS ACCOUNT
ATM CARDS
Free cards per account : 1
Replacement of damaged card : Free
Replacement of lost card : 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
Replacement of damaged card : Free
Replacement of lost card : 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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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
Cash Transactions :
Upto Rs.50,000 per day : Free
Above Rs.50,000 per day : Free
DRAFT CHARGES
Drawn on branch locations
Upto Rs.25,000 : Rs.50
Above Rs. 25,000 & upto Rs. 1 lakh : Rs. 2.50 per Rs. 1000 (min Rs.50)
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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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CHARGES FOR SAVING A/C CUSTOMERS NOT MAINTAINING
AQBS
TRANSACTION CHARGES
1. Reorder of cheque book Rs. 5 per charge leaf
2. Cash transactions at the 3 free in the quarter Rs.60/- per
branch
(deposits + withdrawls) Transactions for additional
transactions
3. Cash Transaction at the ATM 5 free in the quarter Rs.30/- per
Deposits + withdrawls 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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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
savings account. Super saver account allows to issue cheques and an ATM
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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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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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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 Amt. General Senior Citizen
(60
15-29 days Below Rs. 15 Lacs 5.50% 5.75%
30-45 days Below Rs. 15 Lacs 5.50% 5.75%
46-60 days Below Rs. 15 Lacs 5.50% 5.75%
61-90 days Below Rs. 15 Lacs 5.50% 6.00%
91-180 days Below Rs. 15 Lacs 6.00% 6.25%
6 Months 1 day -1 year Below Rs. 15 Lacs 6.50% 6.75%
1 year 1day - 2 yrs. Below Rs. 15 Lacs 7.00% 7.25%
2 years 1 day- 3 yrs Below Rs. 15 Lacs 7.00% 7.25%
3 yrs 1 day - 5 yrs Below Rs. 15 Lacs 7.25% 7.50%
5 yrs 1 day - 8 yrs Below Rs. 15 Lacs 7.25% 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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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 Insurance coverage
Air Accident Rs. 25 lacs
Road/railway account Rs. 3 lacs
Hospitalized due to accident Upto Rs. 50,000
House hold Upto Rs. 75,000
Purchase protection 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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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 Percentage of respondents
Friends 35
Marketing 40
Advertisement 10
Exhibitions 10
Others 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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SOURCES OF AWARENESS
PERCENTAGE
40
40
35
35
30
25
20
15
10 10
10
5
5
0
Friends Marketing ADS Exhibitions Other
SOURCES
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Q. 2. Whom did you contact first in HDFC Bank.
 To contact First in HDFC Bank.
Helping Group Percentage of Respondents
Marketing Executives 40
HDFC Branch 55
Others 5
To Contact First in HDFC Bank
60% 55%
50%
PERCENTAGE
40%
40%
30%
20%
10% 5%
0%
HDFC Branch Marketing Exec. Others
HELPING GROUP
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Q.3. Which factor plays an important role while opening an account?
 Factors that play an important role.
Factors Percentage of the Respondents
Advertisement 20
Special Offer 30
Operational Staff 15
Convincing Power 20
of executives
Credibility of Bank 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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% of Respondents
Credi. Of Bank ADV
ADV
15% 20%
Sp. Offer
Convicing Pow er of Operational Staff
executives
20%
Convicing Power
Operational Staff Sp. Offer
of executives
15% 30% Credi. Of Bank
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Q.4. Which product do you use the most?
 Product Used the most.
Product Name Percentage of Respondents
Saving A/c 44
Current A/c 22
Fixed Deposit 28
Others 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.
% of Respondents
Other
6%
FD
Saving
28%
44%
Saving
Current
FD
Current
Other
22%
Q.5. Which FD Scheme is most popular?
 Most popular FD scheme
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FD Scheme Percentage of the Respondents
Reinvestment 30
Super Saver 45
Sweep in A/c 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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