A PROJECT ON

“FINANCIAL SERVICES PROVIDED BY HDFC

BANK ”
SUBMITTED BY:
MS. RUPAL DHARMENDRA KAWA

Roll No. 345

Submitted to,

UNIVERSITY OF MUMBAI

BACHELOR OF COMMERCE

(BANKING AND INSURANCE)

Semester VI
(2019-2020)

Project Guidance by

Professor: DEVENDRA VYAS

Page | 1
 Uttari Bharat Sabha’s

RAMANAND ARYA D.A.V. COLLEGE

DATAR COLONY BHANDUP (E), MUMBAI- 400042.

A PROJECT ON

“FINANCIAL SERVICES PROVIDED BY HDFC

BANK ”
BACHELOR OF COMMERCE

(BANKING AND INSURANCE)

Semester VI
(2019-2020)

MS. RUPAL DHARMENDRA KAWA

Roll No. 345

Submitted to,

UNIVERSITY OF MUMBAI

Project Guidance by

Professor: DEVENDRA VYAS

Page | 2
 Uttari Bharat Sabha’s

RAMANAND ARYA D.A.V. COLLEGE

DATAR COLONY BHANDUP (E), MUMBAI- 400042.

A PROJECT ON

“FINANCIAL SERVICES PROVIDED BY HDFC

BANK”
BACHELOR OF COMMERCE

(BANKING AND INSURANCE)

Semester VI

University of Mumbai

(2019-2020)
Submitted
In Partial Fulfilment of the requirements

For the Award of Degree of Bachelor of Commerce

{Banking and insurance by }

Page | 3
 MS. RUPAL DHARMENDRA KAWA

Roll No. 345

Uttari Bharat Sabha’s

RAMANAND ARYA D.A.V. COLLEGE

DATAR COLONY BHANDUP (E), MUMBAI-400042.

DECLARATION

I, MS. RUPAL DHARMENDRA KAWAthe Student of Bachelor of Commerce

(Banking and Insurance) Semester VI (2018-2019) hereby declare that have

completed the

Project on “FINANCIAL SERVICES PROVIDED BY HDFC BANK ” The

information submitted is true and original to the best of my knowledge.

SIGNATURE OF THE STUDENT

MS RUPAL DHARMENDRA KAWA

ROLL NO.345

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 Uttari Bharat Sabha’s

RAMANAND ARYA D.A.V. COLLEGE

DATAR COLONY BHANDUP (E),
MUMBAI-400042.

CERTIFICATE

This is to certify that MS. BHAGYASHRI RAJDEEP CHAVAN, Roll No.306 of

Bachelor of Commerce (Banking and Insurance) Semester VI (2018-2019) has
successfully completed the project on “WORKING PROCESS AND
TECHNIQUES OF BANK OF MAHARASHTRA” under the guidance of Prof.
SUDHIR GODI

Date -____________

Course Co-coordinator Principal

Ms. Chandrakala Srivastava Dr. Ajay

Bhamare

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Project Guide / Internal Examiner External

Examiner Prof. Sudhir Godi

ACKNOWLEDEMENT

I owe a great many thanks to a great many people who helped and supported me
doing the writing of this book.

My deepest thanks to lecturer, Prof. SUDHIR GODI Guide of the project for
guiding &correcting various documents of mine with attention care. He has taken
pains to through my project and make necessary corrections as and when needed.

I extended my thanks to the principal Dr. Ajay Bhamare of Ramanand Arya D.A.V.
College of Commerce &Science for extending support. My deep sense of gratitude to
Principal Dr. Ajay Bhamare of Ramanand Arya D.A.V College of Commerce &
Science for support & guidance. Thanks and appreciation to the helpful people at
Ramanand Arya D.A.V College of Commerce & Science, for the support.

I would also thank my institution and faculty without whom this project has been a
distant reality. I also extended my heartfelt thanks to my family and well-wishers.

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 INDEX

SR. TOPICE NAME

NO. PAGE

NO.
CHAPTER 1 08
INTRODUCTION
1.1 Mission 12

1.2 Vision 13
1.3 Business strategy 14
1.4 Marketing mix 17
1.5 Challenges 22
1.6 Technology 25
1.7 Business segment 26
1.8 Products 36
1.9 HRM policies 35
1.10 SWOT Analysis 38

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 CHAPTER NO. 2
RESEARCH METHODOLOGY
2.1 Objective of study 40
2.2 Scope 40
2.3 Data collection 42
CHAPTER NO. 3 47
LITRATURE REVIEW

CHAPTER NO. 4
DATA ANALYSI & 53
INTERPRETATION

4.1 Questionnaire 63

CHAPTER NO. 5 75
CONCLUSION
CHAPTER NO.6

6.1 WEBLIOGRAPHY 79

6.2 BIBLIOGRAPHY 80

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 CHAPTER NO.1

Introduction

HDFC Bank was among the first to get an 'on a basic level' endorsement
from the Reserve Bank of India (RBI) to set up a bank in the private
division from Housing Development Finance Corporation Limited
(HDFC), in 1994 during the time of progression of the financial segment
in India. HDFC India was consolidated in August 1994 for the sake of

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'HDFC Bank Limited'. HDFC India initiated tasks as a Scheduled
Commercial Bank in January1995.

HDFC India bargains in assortments of items like home advance,

standard extra security, common store, protections, Mastercard’s, and so
on. HDFC has branch workplaces in every significant city in India like
Calcutta, Chennai, Delhi, Bangalore, Hyderabad, Ahmedabad separated
from HDFC Mumbai.

HDFC Bank Limited is a holding organization. The bank offers a scope

of banking administrations covering business and venture putting money
on the discount side and value-based/branch betting on the retail side. It
additionally offers budgetary administrations. The bank's sections
incorporate treasury, retail banking, discount banking and other financial
business. The treasury section fundamentally comprises of net premium
income from the Bank's speculation portfolio, currency showcase
obtaining and loaning, additions or misfortunes on venture activities and
by virtue of exchanging outside trade and subsidiary agreements.

The retail banking section serves retail clients through a branch organize
and other conveyance channels, just as through elective conveyance
channels. The bank gives its corporate and institutional customers a scope
of business and value-based financial items. The other financial business
section incorporates salary from para banking exercises.

The HDFC Bank was consolidated on August 1994 by the name of

'HDFC Bank Limited', with its enrolled office in Mumbai, India. HDFC
Bank initiated activities as a Scheduled Commercial Bank in January
1995. The Housing Development Finance Corporation (HDFC) was
among the first to get an 'on a fundamental level' endorsement from the

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Reserve Bank of India (RBI) to set up a bank in the private division, as a
feature of the RBI's progression of the Indian Banking Industry in 1994.

HDFC Bank is headquartered in Mumbai. The Bank at present has a

lucky system of more than 1416 branches spread more than 550 urban
areas across India. All branches are connected on an online constant
premise. Clients in more than 500 areas are likewise adjusted through
Telephone Banking. The Bank additionally has a system of about more
than 3382 organized ATMs over these urban communities.

The advertiser of the organization HDFC was incepted in 1977 is India's

chief lodging money organization and appreciates an immaculate
reputation in India just as in worldwide markets. HDFC has created
noteworthy ability in retail contract advances to various market fragments
and furthermore has an enormous corporate customer base for its lodging
related credit offices. With its involvement with the budgetary markets, a
solid market notoriety, enormous investor base and one of a kind buyer
establishment, HDFC was unmistakably situated to advance a bank in the
Indian condition.

The offers are recorded on the Bombay Stock Exchange Limited and The
National Stock Exchange of India Limited. The Bank's American
Depository Shares ( ADS ) are recorded on the New York Stock
Exchange (NYSE) under the image 'HDB' and the Bank's Global
Depository Receipts (GDRs) are recorded on Luxembourg Stock
Exchange.

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On May 23, 2008, the amalgamation of Centurion Bank of Punjab with
HDFC Bank was officially affirmed by Reserve Bank of India to finish
the legal and administrative endorsement process. According to the plan
of amalgamation, investors of CBoP got 1 portion of HDFC Bank for
each 29 portions of CBoP.

The blended substance currently holds a solid store base of around Rs.
1,22,000 crore and net advances of around Rs. 89,000 crores. The asset
report size of the joined substance would be over Rs. 1,63,000 crores. The
amalgamation enhanced HDFC Bank as far as expanded branch organize,
geographic reach, and client base, and a greater pool of gifted labor.

In an achievement exchange in the Indian financial industry, Times Bank

Limited (another new private division bank advanced by Bennett,
Coleman and Co. /Times Group) was converged with HDFC Bank Ltd.,
successful February 26, 2000. This was the main merger of two private
banks in the New Generation Private Sector Banks. According to the plan
of amalgamation endorsed by the investors of the two banks and the
Reserve Bank of India, investors of Times Bank got 1 portion of HDFC
Bank for each 5.75 portions of Times Bank.

HDFC Bank offers a wide scope of business and value-based financial

administrations and treasury items to discount and retail clients. The bank
has three key business portions:

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Discount Banking Services – The Bank's objective market ranges from
huge, blue–chip fabricating organizations in the Indian corporate to little
and average sized corporates and Agri–based organizations.

Retail Banking Services – The goal of the Retail Bank is to give its
objective market clients a full scope of money related items and banking
administrations, giving the client a one–stop window for all his/her
financial requisites.

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 MISSION

HDFC Bank's crucial to be a world class Indian bank by embracing a

resolute spotlight on administration greatness and item quality. The Bank
has received industry driving prescribed procedures in setting up a lot of
working standards which administer how dangers of a noteworthy
business interruption are alleviated to ensure the Banks clients,
representatives and partners.

The Bank has a hearty and very much characterized business congruity
program which contains arrangements and systems with obviously
characterized jobs, obligations and possession for Crisis Management,
Emergency Response, Business recuperation and IT Disaster Recovery
Planning. The Bank's BCP directing board of trustees, spoke to by the
senior official administration of the Bank, affirms and supervises the
yearly BCP system and guide.

Standard penetrates and tests are led to cover all parts of the Business
Continuity Plan. Plans are looked into and kept up routinely to
consolidate any progressions to condition, individuals, procedure and
innovation. The Bank's Business Continuity Office constantly progresses
in the direction of reinforcing the business congruity readiness of the
Bank.

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The Bank's Business congruity program is created to deal with the effect
of critical interruptions and will try to continue business and activities to
a satisfactory level inside a sensible time in case of a calamity. While the
recuperation time destinations (RTO) have been characterized and
recorded in the plans, different outside components outside our ability to
control could influence the real recuperation time.

VISION

Qualities are the most basic components that mirror the direct of an
association. The following is our vision and our qualities, the columns
that help the accomplishment of HDFC Life.

Vision

One of the best and appreciated extra security organization, which

implies that we are the one of the most confided in organization, the
simplest to manage, offer the best an incentive for cash and set the gauges
in the business.

'The clearest decision for all'.

Values

Our vision and qualities that we see at work

A. Excellence
B. People Engagement

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 C. Integrity
D. Customer Centricity
E. Collaboration

BUSINESS STRATEGY

It's said that, "Business isn't low maintenance work; it's not by any means
an all-day work. It's a way of life." But at that point, that is only the start
of the test. Business flourishes just on the shoulders of persistent people.
Developing business driven outlook is precarious as it expects one to take
a great deal of significant choices. Some entrepreneurs are brought into
the world with an extreme mentality while others learn at work.

In any case, the two sorts can utilize a few plans to upgrade their abilities.
These tips that can support you:

Do your networking

One can't work as entrepreneur without knowing the ropes of systems

administration. It is a straightforward ability that outcomes in impressive

Page | 16
prizes. Extraordinary proprietors regularly propose giving significant
contributions to an individual before approaching them for something. A
few people probably won't value your endeavors yet most will be content
with such worth expansion. It would likewise go far in building solid
connections.

Additionally, you will be recognized as somebody who encouraged rather

than somebody who consistently requested favors.

Priorities your customers

It is normal practice to take a shot at a help or item at first and afterward

discover clients to get it. These days, be that as it may, client arranged
markets are a thing. Conversing with potential clients and understanding
their necessities before making an item improves the capability of your
business. At the point when entrepreneurs make something that clients
need rather than what they themselves need; it sells itself.

What's more, it's generally accepted "A fulfilled client is the best
promotion.

Revisit your vision

It’s an obvious fact that entrepreneurs are visionaries. They think ahead
about their time in any event, when things in the present are working fine.
'Vision' additionally alludes to the information on future objectives. How

Page | 17
we construct the current shapes the future, in this way it's fundamental for
the entrepreneurs to be in contact with their vision.

Another significant thing is adaptability. Objectives change with the

occasions and a brilliant entrepreneur realizes how to return to their
vision and keep it in a state of harmony with the elements of the business
world.

Bid farewell to the comfort zone

There are various statements on the web that stress how genuine is out of
one's usual range of familiarity. How accomplishes that work for an
entrepreneur? All things considered; the mentality of a perfect
entrepreneur is centered around accomplishing long haul objectives.

One can pursue these objectives just when one has made the awkward
agreeable.

Take financial risks

The measure of difficult work required for satisfaction of objectives is

tremendous and can be acknowledged distinctly by those proprietors who
are prepared to outwork themselves.

On the off chance that you request that a layman depict a representative,
they will have just these words: brilliant and a daring individual. These
are the absolute minimum characteristics of any entrepreneur. Hazard

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doesn't allude to silly presumptuousness yet is a blend of courage and
estimation.

High hazard doesn't mean terrible dynamic; it implies a very much taken
choice supported with a specific measure of hazard. Great decisions
consistently pay and, in this manner, chance shouldn't be a prevention.

The way ahead

With money related dangers, sorting out assets to guarantee your

visionary development venture is a noteworthy concern. Notwithstanding,
Business Loans are an incredible choice for business visionaries. HDFC
Bank, one of the main banks in India, gives the best Business Loan,
known as 'Business Growth Loan' with different advantages that can be
altered by your necessities.

The uniqueness of a HDFC Bank Business Growth Loan is that it

requires no security. With the correct credit, entrepreneur can make their
vision for the business work out as expected, with no money related
boundaries. For example, credit offers a fast capital, no security, and the
best of industry rates among numerous different offers.

On the off chance that each one of those weren't sufficiently appealing, it
gives assets up to Rs 50 lakhs with issue free documentation, doorstep
administration, and disbursal inside 48 hours.

With this, your vision to make your business scale new statures will work
out

Hoping to turn into a fruitful business person? Snap to realize how a

Business Loan will support you.

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 MARKETING MIX

Advertising Mix of HDFC Bank examinations the brand/organization

which covers 4Ps (Product, Price, Place, Promotion) and clarifies the
HDFC Bank showcasing procedure. The article expounds the evaluating,
publicizing and conveyance systems utilized by the organization. The
showcasing blend alludes to the arrangement of activities, or strategies,
that an organization uses to advance its image or item in the market. The
4Ps make up a run of the mill advertising blend - Price, Product,
Promotion and Place. Be that as it may, these days, the advertising blend
progressively incorporates a few different Ps like Packaging, Positioning,
People and even Politics as indispensable blend components.

An advertising blend incorporates different zones of center as a

component of a far-reaching promoting plan. The term regularly alludes
to a typical characterization that started as the four Ps: item, value,
arrangement, and advancement.

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Viable promoting addresses an expansive scope of zones rather than
focusing on one message. Doing so helps contact a more extensive
crowd, and by remembering the four Ps, advertising experts are better
ready to keep up center around the things that truly matter. Concentrating
on an advertising blend assists associations with settling on key choices
when propelling new items or reexamining existing items.

Let us start the HDFC Bank Marketing Mix:

Product

The item methodology and blend in HDFC Bank advertising technique

can be clarified as follows:

HDFC Bank is one of the main banks in India. HDFC offers a wide scope
of items in its showcasing blend procedure, specifically in close to home
and venture division. The different administrations offered by HDFC
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Bank are outlined as follows. Records and stores which covers
investment accounts, pay accounts, current records, stores, safe store
storage spaces, provincial records and benefits accounts. HDFC Bank
offers credits to meet the assorted needs and it spread individual
advances, vehicle advances, business advances and so on. HDFC offers
cards which incorporates Mastercard’s, platinum cards, prepaid cards,
Mastercard reward projects and advance on Visa. Demat alternatives for
financial specialists which incorporates demat account, 2 of every 1
record, 3 out of 1 record and venture help. Speculation alternatives
covering Invest Track, venture items, speculation warning gathering
reports, PPF (open fortunate reserve) and Sukanya Samriddhi account are
given to HDFC clients. Protections for different choices like life,
wellbeing, engine protection, travel, home, bike and understudy travel -
Suraksha. Forex incorporates travel arrangements, settlement items, other
forex administrations for help and buy.

HDFC Bank likewise incorporates online installment choices like Pay

bills and shop on the web, Fund move alternatives, charge installments,
charge installment, give online and so on. The head choices incorporate
Direct value, Mutual assets, Fixed pay items, Insurance, Private value
reserves, Structured items and Estate arranging

Price

The following is the estimating procedure in HDFC Bank promoting

technique:

HDFC Bank follows a serious estimating procedure in its promoting

blend yet keeps up a superior level simultaneously. It is plainly noticeable
that it appreciates most extreme market capital regarding shares in India.

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The other household contenders are either PSUs or national bank, HDFC
Bank is constantly estimated higher as far as least top required to open
another record. RBI controls and manages the valuing arrangements, as
for some other bank in India.

Value covers the real sum the end client is relied upon to pay for an item.
How an item is estimated will legitimately influence how it sells. This is
connected to what the apparent estimation of the item is to the client
instead of a target costing of the item on offer. In the event that an item is
evaluated higher or lower than its apparent worth, at that point it won't
sell. This is the reason it is basic to see how a client sees what you are
selling. In the event that there is a positive client esteem, than an item
might be effectively evaluated higher than its target financial worth.
Alternately, in the event that an item has little an incentive according to
the shopper, at that point it might should be undervalued to sell. Cost may
likewise be influenced by conveyance plans, esteem chain expenses and
markups and how contenders value an adversary item.

Place:

Following is the dispersion technique of HDFC Bank:

HDFC banks has a solid nearness all over India. Till 2016, HDFC
exceeded 4500+ branches in approx. 2600 urban areas/towns with 12000
ATMs. HDFC Bank ensures that its essence is felt in every single corner
of the country and each individual should benefit its offices similarly.
HDFC has its significant workplaces in urban communities and towns for
smooth activity process. Its site is very much planned and all around kept
up.

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Spot or situation has to do with how the item will be given to the client.
Circulation is a key component of position. The situation methodology
will help evaluate what channel is the most fit to an item. How an item is
gotten to by the end client additionally needs to commend the remainder
of the item system.

Promotion:

The special and publicizing system in the HDFC Bank advertising

methodology is as per the following:

HDFC Bank concentrates a ton on the limited time methodology in its

promoting blend. HDFC is engaged with huge number of CSR exercises
for maintainable occupation, budgetary proficiency, instruction, preparing
and network activities. HDFC has constantly caused its quality to feel in
the media through notices, hoardings, banners, advertisements in papers,
magazines, limited time occasions, sponsorships, and so on. HDFC
additionally has shareholdings in corporate bodies, common assets,
money related foundations, and so forth which makes a feeling of
significant worth and trust among the investors and clients towards this
specific brand.

Since this is an assistance promoting brand, here are the other three Ps to
make it the 7Ps showcasing blend of HDFC Bank.

In light of the crowd distinguished and the value focuses built up, the
advertising correspondence technique would now be able to be created.
Whatever limited time techniques are finished need to engage the planned

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clients and guarantee that the key highlights and advantages of the item
are plainly comprehended and featured.

People:

HDFC Bank gives solid significance on its kin i.e. clients and
representatives. Through its multi segment culture it is plainly noticeable
that HDFC has faith in assorted variety and incorporation. In India it has
spread its workplaces geologically in each state, to spread attention to the
most extreme number of individuals. With the assistance of this cutting-
edge innovation, HDFC bank workers will be profoundly fulfilled and
they will consistently get serious edge over others. The last P of the
promoting blend is individuals. Build up the propensity for speculation as
far as the individuals inside and outside of your business who are
answerable for each component of your business, showcasing techniques,
and exercises.

It's stunning what number of business people and agents will make a solid
effort to thoroughly consider each component of the advertising
methodology and the promoting blend, and afterward give little
consideration to the way that each and every choice and arrangement
must be done by a particular individual, with a certain goal in mind. Your
capacity to choose, enlist, recruit and hold the best possible individuals,
with the aptitudes and capacities to carry out the responsibility you have
to have done, is a higher priority than everything else set up.

In his top of the line book, Good to Great, Jim Collins found the most
significant factor applied by the best organizations was that they as a
matter of first importance "got the opportune individuals on the transport,
and an inappropriate people off the transport." Once these organizations

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had recruited the ideal individuals, the subsequent advance was to "get
the perfect individuals in the correct seats on the transport."

To be fruitful in business, you should build up the propensity for intuition

regarding precisely who is going to do each undertaking and duty. By and
large, it's unrealistic to push ahead until you can pull in and put the
opportune individual into the correct position. A large number of the best
marketable strategies at any point created sit on racks today in light of the
fact that the [people who made them] couldn't locate the key individuals
who could execute those plans.

Physical Evidence:

HDFC furnishes best in-house offices with state-of-the-art foundation and

worldwide condition in the entirety of its workplaces. The total
arrangement causes the representatives to encounter the best workplace
with the goal that they proceed according to the association's desires.
HDFC workplaces, branches, Mastercard’s, site and so on are largely the
physical proof of the brand.

Administrations as we probably am aware are to a great extent immaterial

when advertising. Anyway, clients will in general depend on physical
signals to assist them with assessing the item before they get it.

In this way advertisers create what we call physical proof to supplant

these physical prompts in an assistance. The job of the advertiser is to
structure and actualize such substantial proof. Physical proof is the
material piece of an assistance.

Process:

HDFC bank has a few business forms like all other money related
foundations. Through the different social exercises and best practices

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HDFC keeps up a decent connection with its clients and financial
specialists, which thus maintains a strategic distance from an awful
'informal'.

Every one of these encourages the association to develop in long haul and
propels its workers to keep being faithful to it and give their best all
through their residency. The clients are likewise effectively held and new
ones are pulled in. Thus, this finishes up the advertising blend of HDFC
bank. About HDFC Bank:

HDFC Bank, or Housing and Development Finance Corporation, was

built up in 1994 as the principal Indian private bank. It is prominently
known as HDFC Bank. It workers 90,000+ representatives and is
headquartered in Mumbai. Through HDFC's most extreme commitment
and focal point of nature of administrations it has gotten different honors
as far as national and global honors. HDFC has perceived the estimation
of corporate administration decently which thus helps in accomplishing
authoritative proficiency and partner reasonableness. HDFC Bank has an
all around planned site which gives all data with respect to its
administrations, approaches and funds till date. Through its advancement
consistently, agreed methodology towards top notch administrations,
solid appropriation channels it has made its imprint among the main two
Indian banks. HDFC offers banking administrations, yet additionally has
some budgetary items related to the brand

CHALLENGES FOR HDFC BANK .

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In the UK, the online-just Atom Bank is set to challenge physical banks.
In China, the blades are out as banks and web based business players
infringe upon a one another's area. Mechanical Commercial Bank of
China and China Construction Bank are selling things, for example,
cleanser and wine while Alibaba is extending its money related
administrations business. In India, many advanced wallet organizations
are venturing into retail installments. There is likewise the up and coming
rivalry from installment banks and little banks

This sounds like the scene in India several decades back when HDFC
Bank, alongside ICICI Bank, raged the comfortable universe of
government-run saves money with better assistance and innovation.
While government banks despite everything represent 75 percent of the
business as far as stores and advances, private banks command the best
five situations as far as market capitalization. In the most recent BT500
study, HDFC Bank has developed as the top manage an account with a
market top of Rs 2,61,465 crore.

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The figure for State Bank of India, or SBI, whose benefits are very
nearly three-and-a-half times that of HDFC Bank, is Rs 2,00,169 crore.
One explanation behind this is private segment banks score over
government bets on most proficiency parameters. HDFC Bank, for
example, has net non-performing resources, or NPAs, of 0.25 percent,
agreeable capital sufficiency of 16.8 percent, cost-to-pay proportion of
under 0.44 and profit for resources of 2 percent. SBI is a long ways
behind with net NPAs at 2.12 percent, capital ampleness of 12 percent, a
significant expense to-salary proportion of 0.53 and profit for resources
of simply 0.68 percent.

HDFC Bank, actually, has shown improvement over other private banks
as well. For instance, ICICI Bank's net NPAs are 1.61 percent while Axis
Bank's net NPAs are 0.46 percent. The arrival on resources is 1.86
percent for ICICI Bank and 1.83 percent for Axis Bank. As far as capital,
each of the three private players are very agreeable at more than 15
percent as against the prerequisite of 9 percent

Future Challengers

India's second-biggest private part bank by resources (ICICI Bank is the

pioneer), headed by Aditya Puri, a previous Citibank official, has gotten
under way a system to turn into a full-scale advanced bank.

Obviously, India is years from something like Atom Bank, which is

focusing on 18-multi year old’s through its application just model. "This

Page | 29
isn't such a major wonder here," says Paresh Sukthankar, Deputy
Managing Director of HDFC Bank.

For HDFC Bank, the greatest difficulties incorporate new installment

banks -, for example, Paytm, Reliance Industries, Tech Mahindra, NSDL
and India Post - that are prepared to dispatch tasks. These are permitted to
acknowledge stores up to Rs 1 lakh yet can't loan. Strikingly, though SBI
has gone into a value organization with Reliance for an installment bank
and Kotak Mahindra Bank has held hands with Bharti Airtel, HDFC
Bank has chosen to take on the test alone. "Maybe no one makes certain
about how the space will work out.

E-Commerce Play

Online business is another large open door for banks. This is on the
grounds that an ever-increasing number of clients are utilizing
computerized wallets, which are quicker and progressively secure, rather
than punching card subtleties each time they execute on the web. While
non-bank players like Paytm are as of now abusing the chance, banks
have been somewhat late in joining the fleeting trend. In June, HDFC
Bank propelled its versatile wallet or portable installment application
PayZapp for exchanges, for example, settlements and bill installments.
The wallet registers card subtleties once and pulls out cash each time you
make an installment. While SBI, ICICI Bank and Axis Bank have
likewise propelled advanced wallets, HDFC Bank has included Smartbuy,
a stage for online business play. It is like the instruments embraced by
Chinese banks. The Smart buy alternative assists clients with getting the

Page | 30
best arrangements on destinations, for example, Flipkart, Clear trip and
Yatra. "We are encouraging internet business exchanges.

Fight In Rural/Semi-Urban Markets

The Reserve Bank of India is going all out for more profound entrance of
banking administrations in provincial and semi-urban zones. That is the
reason it has conceded licenses for installment and little account banks.
This is one zone where HDFC Bank has idealized its model. "We have a
model of one-two people branches that offer customized items in
provincial India," says Sukthankar. Different banks have not excelled on
this front.

At present, the bank's 55 percent branches are in provincial and semi-

urban territories. It is focusing on 35 percent income from these in the
following barely any years. The present figure is 15 percent.

Numerous new installment banks are quick to tie up with all inclusive
banks and the other way around. Correspondingly, little account banks,
whose ability is network banking, will scale up their model with the
upside of ease reserves.

Indeed, even as the new installment banks and little money banks set
aside some effort to scale up, HDFC Bank's speculators are observing
how it is responding to new portable advances, conveying versatile
advances at the back-end, persuading its huge work power, and meeting
new client needs. "They perceive that we have been one of only a handful

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not many banks that have developed reliably without trading off our
advantage quality and gainfulness.

A few investigators state that HDFC Bank has never had it so great. The
past, as well, was empowering. Furthermore, there is by all accounts a
trustworthy computerized plan for tomorrow.

TECHNOLOGY OF HDFC BANK

HDFC Bank works in an exceptionally computerized condition as far as

data innovation and correspondence frameworks. All the bank's offices
have online network, which empowers the bank to offer rapid supports
move offices to its clients. Multi-branch get to is likewise given to retail
clients through the branch organize and Automated Teller Machines
(ATMs).

The Bank has put forth considerable attempts and interests in procuring
the best innovation accessible globally, to fabricate the framework for a
world class bank. Regarding center financial programming, the Corporate

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Banking business is upheld by Flex cube, while the Retail Banking
business by Fin ware, both from I-flex Solutions Ltd. The frameworks are
open, saleable and web-empowered.

The Bank has organized its commitment in innovation and the web as one
of its key objectives and has just gained huge ground in web-empowering
its center organizations. In every one of its organizations, the Bank has
prevailing with regards to utilizing its market position, skill and
innovation to make an upper hand and manufacture piece of the overall
industry.

Page | 33
 BUSINESS SEGMENT

HDFC Bank obliges a wide scope of banking administrations covering

business and venture putting money on the discount side and value-
based/branch counts on the retail side. The bank has three key business
portions: HDFC Bank Ltd is one of India's chief banks. Headquartered in
Mumbai, HDFC Bank is another age private area bank giving a wide
scope of banking administrations covering business and speculation
putting money on the discount side and value-based/branch counts on the
retail side. Starting at 30 September 2017, the bank's dissemination
organize was at 4,729 branches and 12,259 ATMs across 2,669 urban
areas and towns. HDFC Bank likewise has one abroad discount banking
branch in Bahrain, a branch in Hong Kong and two agent workplaces in
UAE and Kenya. The Bank has two auxiliary organizations, to be specific
HDFC Securities Ltd and HDB Financial Services Ltd.

The Bank has three essential business fragments, in particular banking,

discount banking and treasury. The retail banking section serves retail
clients through a branch organize and other conveyance channels. This

Page | 34
fragment raises stores from clients and makes advances and offers
different types of assistance with the assistance of master item gatherings
to such clients. The discount banking fragment gives credits, non-support
offices and exchange administrations to corporate, open division units,
government bodies, money related establishments and medium-scale
endeavors. The treasury fragment incorporates net premium income on
speculations arrangement of the Bank.

The Bank's ATM system can be gotten to by all household and

worldwide Visa/MasterCard, Visa Electron/Maestro, Plus/Cirrus and
American Express Credit/Charge cardholders. The Bank's offers are
recorded on the Bombay Stock Exchange Limited and The National
Stock Exchange of India Ltd. The Bank's American Depository Shares
(ADS) are recorded on the New York Stock Exchange (NYSE) and the
Bank's Global Depository Receipts (GDRs) are recorded on Luxembourg
Stock Exchange.

HDFC Bank Ltd Was consolidated on August 30, 1994 by Housing

Development Finance Corporation Ltd. In the year 1994, Housing
Development Finance Corporation Ltd was among the first to get an 'on a
basic level' endorsement from the Reserve Bank of India to set up a bank
in the private area, as a component of the RBI's progression of the Indian
Banking Industry. HDFC Bank initiated activities as a Scheduled
Commercial Bank in January 1995. Ramon House, Church gate branch
was introduced on 16 January 1995 as the primary part of the bank. In
March 1995, HDFC Bank propelled Rs 50-crore introductory open offer
(IPO) (5 crore value shares at Rs 10 each at standard) inspiring a record

Page | 35
multiple times oversubscription. HDFC Bank was recorded on the
Bombay Stock Exchange on 19 May 1995. The bank was recorded on the
National Stock Exchange on 8 November 1995.

In the year 1996, the Bank was designated as the clearing bank by the
NSCCL. In the year 1997, the propelled retail speculation warning
administrations. In the year 1998, they propelled their first retail loaning
item, Loans against Shares. In the year 1999, the Bank propelled on the
web, ongoing Net Banking.

In February 2000, Times Bank Ltd, claimed by Bennett, Coleman and

Co. /Times Group amalgamated with the Bank Ltd. This was the
principal merger of two new age private banks in India. The Bank was the
principal Bank to dispatch an International Debit Card in relationship
with (Visa Electron). In the year 2001, they began their Credit Card
business. Additionally, they turned into the principal private part bank to
be approved by the Central Board of Direct Taxes (CBDT) just as the
RBI to acknowledge direct assessments.

During the year, the Bank caused a key bind to up with a Bangalore-
based business arrangements programming designer, Tally Solutions Pvt
Ltd for creating and offering items and administrations encouraging on-
line bookkeeping and banking administrations to SMEs.

On 20 July 2001, HDFC Bank's American depositary receipt (ADR) was

recorded on the New York Stock Exchange under the image HDB.

Page | 36
Additionally, they made the union with LIC for giving on the web
installment of protection premium to the clients.

During the year 2002-03, the Bank expanded the quantity of branches
from 171 Nos to 231 Nos and the size of the Bank's ATM arrange
extended from 479 Nos to 732 Nos. They additionally extended their
quality in the 'trader securing' business.

During the year 2003-04, the Bank extended the dissemination coordinate
with the quantity of branches expanded from 231 Nos to 312 Nos and the
size of the Bank's ATM arrange expanded from 732 Nos to 910 Nos. In
September 2003, they entered the lodging advance business through a
game plan with HDFC Ltd, whereby they sell HDFC Home Loan item.

During the year 2004-05, the Bank extended the conveyance coordinate
with the quantity of branches expanded from 312 Nos to 467 Nos and the
size of the Bank's ATM arrange expanded from 910 Nos to 1147 Nos.
During the year 2005-06, the Bank propelled the 'no nonsense record', a
fundamental investment account offering to the client. Likewise, the
circulation arrange was extended with the quantity of branches expanded
from 467 Nos (in 211 urban communities) to 535 Nos (in 228 urban
areas) and the quantity of ATMs from 1147 Nos to 1323 Nos.

During the year 2006-07, the dispersion organize was extended with the
quantity of branches expanded from 535 Nos (in 228 urban areas) to 684
Nos (in 316 urban areas) and the quantity of ATMs from 1323 Nos to

Page | 37
1605 Nos. They initiated direct loaning to Self Help Groups. Likewise,
they opened a devoted branch for loaning to SHGs, in Thudiyalur town
(Tamil Nadu). In September 28, 2005, the Bank expanded their stake in
HDFC Securities Ltd from 29.5% to 55%. Therefore, HDFC Securities
Ltd turned into a backup of the Bank.

Wholesale Banking

The Bank's objective market is basically huge, blue-chip fabricating

organizations in the Indian corporate division and to a lesser degree, little
and average sized corporates and agri-based organizations. For these
clients, the Bank gives a wide scope of business and value-based financial
administrations, including working capital account, exchange
administrations, value-based administrations, money the board, and so
on.

The bank is likewise a main supplier of organized arrangements, which

consolidate money the board administrations with seller and merchant
account for encouraging prevalent store network the board for its
corporate clients.

In view of its prevalent item conveyance/administration levels and solid

client direction, the Bank has made critical advances into the financial
consortia of various driving Indian corporates including multinationals,
organizations from the household business houses and prime open area
organizations. It is perceived as a main supplier of money the board and

Page | 38
value-based financial answers for corporate clients, common assets, stock
trade individuals and banks

Treasury

Inside this business, the bank has three principle item zones - Foreign
Exchange and Derivatives, Local Currency Money Market and Debt
Securities, and Equities. With the advancement of the money related
markets in India, corporates need increasingly modern hazard the board
data, guidance and item structures. These and fine valuing on different
treasury items are given through the bank's Treasury group. To consent to
legal save necessities, the bank is required to hold 25% of its stores in
government protections. The Treasury business is liable for dealing with
the profits and market chance on this speculation portfolio.

Inside this business, the bank has three principle item regions - Foreign
Exchange and Derivatives, Local Currency Money Market and Debt
Securities, and Equities. With the progression of the money related
markets in India, corporates need increasingly modern hazard the board
data, guidance and item structures. These and fine valuing on different
treasury items are given through the bank's Treasury group. To agree to
legal save necessities, the bank is required to hold 25% of its stores in
government protections. The Treasury business is liable for dealing with
the profits and market hazard on this venture portfolio.

Retail Banking

The goal of the Retail Bank is to give its objective market clients a full
scope of money related items and banking administrations, giving the

Page | 39
client a one-stop window for all his/her financial necessities. The items
are supported by world-class administration and conveyed to clients
through the developing branch organize, just as through elective
conveyance channels like ATMs, Phone Banking, NetBanking and
Mobile Banking.

The HDFC Bank Preferred program for high total assets people, the
HDFC Bank Plus and the Investment Advisory Services programs have
been planned remembering needs of clients who look for particular
money related arrangements, data and counsel on different speculation
roads. The Bank likewise has a wide exhibit of retail credit items
including Auto Loans, Loans against attractive protections, Personal
Loans and Loans for Two-wheelers. It is likewise a main supplier of
Depository Participant (DP) administrations for retail clients, giving
clients the office to hold their interests in electronic structure.

HDFC Bank was the first bank in Quite a while to dispatch an

International Debit Card in relationship with (VISA Electron) and issues
the MasterCard Maestro charge card also. The Bank propelled its Visa
business in late 2001. By March 2015, the bank had an all out card base
(charge and Visas) of more than 25 million. The Bank is likewise one of
the main players in the "shipper procuring" business with more than
235,000 Point-of-offer (POS) terminals for charge/Visas
acknowledgment at dealer foundations. The Bank is all around situated as
an innovator in different net based B2C openings including a wide scope

Page | 40
of web banking administrations for Fixed Deposits, Loans, Bill
Payments, and so on.

Page | 41
 Products of hdfc bank

HDFC Bank and HDFC Ltd vary to one another. HDFC bank bargains in
all charge cards, Insurance and Lending administrations aside from Home
Loan though HDFC ltd bargains just in-Home Loan.

HDFC Bank: HDFC was fused in August 1994, and, as of now has an
across the country system of in excess of 1,725 Branches and 4,000
ATM's in more than 771 Indian towns and urban communities.

HDFC bank Portfolio

LOAN ACCOUNTS & HDFC CREDIT

DEPOSITS CARD
INVESTMENT AND FOREX AND
DEBIT CARDS INSURANCE TRADE SERVICES

Loan Products of HDFC Bank :

Haven't you once in a while marvelous of purchasing a Dream Home, a

vehicle of your decision or in any event, voyaging abroad? Your fantasies
are presently inside your span. Whatever your need, HDFC bank offers a
whole scope of credit items for you.

HDFC Bank has a Long List of Available Loan Products

Page | 42
 HOME LOAN SMART LOAN LOAN AGAINST
RENT
RECEVIABLE

Personal loan Gold loan Tractor loan

Two wheeler loan Education loan Health care finance

Car loan Loan against securities Commercial vehicle

finance

Old car loan Loan against property Construction finance

Investments and Insurance: –

Common Funds: – Mutual assets are reserves that pool the cash of a few
financial specialists to put resources into value or obligation markets.
Common Funds could be Equity reserves, Debt reserves or adjusted
assets. Assets are chosen on quantitative parameters like volatility,
FAMA Model, hazard balanced returns, moving return combined with a
subjective investigation of store execution and speculation styles through
customary communications/due perseverance forms with subsidize
administrators.

Systematic Investment Plan –The control and the device Systematic

Investment Plan is a way to deal with contributing inside oversaw
ventures which includes contributing a lot of sum at normal interims
instead of putting a bigger single amount sum in one shot. By
contributing along these lines you are not endeavoring to catch the highs
and lows of the market but instead the expense of your venture is arrived
at the midpoint of over some stretch of time. The embodiment of SIPs is
that when the business sectors fall speculators naturally secure more
units. In like manner they obtain lesser units when the market rises. This

Page | 43
implies you purchase less when the cost is high while you purchase more
the cost is low. Henceforth the normal expense per unit drops down over
some undefined time frame.

Tax Planning: – HDFC Bank offer various beneficial duty sparing

venture alternatives.

Insurance: – Extra security is intended to offer monetary insurance for

you and your family during the hours of vulnerabilities. Look over a
scope of conventional protection and unit connected plans intended to
assist you with your reserve funds, retirement, speculation and assurance
needs.

General Insurance: – Complete security for your home, travel and more.

Health Insurance: – Complete security for your wellbeing.

Bonds: – A protected venture road giving you stable comes back with tax
cuts.

Equities & Derivatives: – Influence our tremendous data archive and

execute on the web.

Human Resource Management Policies and Practices at

HDFC Bank

HDFC Bank utilizes a far-reaching HR policy structure to react to

changing HR necessities. Fast development in a thriving new market
ought to be the reason for festivity, except if the association that is
developing can't stay aware of the requests of an extending workforce or
improve the administration of different databases.

In any case, Mumbai based HDFC Bank didn't allow that to occur. At
first, the chief bank in the corporate part, HDFC Bank started its venture

Page | 44
into the retail advertise in 1995 and has included a large number of new
clients every day and oversaw sensational increments in its retail credit
portfolio.

The bank confronted the difficulties that accompanied fast achievement.

HDFC Bank has set up itself as a pioneer in disposing of the wastefulness
generally connected with asset arranging and the executives, and bank the
executives realized exactly what to do. Because of noteworthy
development in the quantity of its workers in the course of recent years,
the bank could no longer deal with its human capital administration on
Microsoft Excel spreadsheets and home developed reports. Likewise, the
administration surely knew that International Journal of Business
Administration and Management. ISSN 2278-3660 Volume 7, Number 1
(2017)

High development rates may have endangered its abilities and

overhauling quality, while strain about relative remuneration levels
between the business work force in the branch and tasks could have
undermined HDFC Bank's way of life. The bank has additionally
actualized Oracle Human Resources applications with the goal that
human asset arranging and following could be taken care of all the more
productively. The bank had just aggregated a lot of information about its
representatives, yet it did not have a functional method to store different
sorts of data, for example, information about relatives and vocation ways
at HDFC Bank.

The bank would now be able to catch everything, which gives senior
administration better information for execution assessments and causes
them improve vocation arranging.

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The arrangement additionally permits the bank to remunerate based on
execution and give focused on vocation advancement, which raises
believability with workers and enables the bank to pull in and hold top
competitors. HDFC Bank has likewise executed Oracle's applicatio ns for
HR investigation and revealing over the undertaking, giving
administration the capacity to bore down into execution and cost on an
exceedingly granular level. This gave the bank the adaptability to tailor -
made worker recordkeeping while at the same time keeping up standard
consistence with work laws. Notwithstanding the mechanization of
activities, for example, admonitions, e - mail notices, and get-away hour
adjusts gives the bank a total profile for every representative. The current
extensive announcing capabilities spare a ton of staff time and permit the
bank to deal with profiles, ranges of abilities, and preparing and
coordinate them with the finance framework.

Training and Development Scenario at HDFC Bank

The HDFC Bank has consistently been concentrating on the preparation

of its workers, both at work just as through preparing programs directed
by inner and outer personnel. The bank records and perceives its HR as
one of its expressed basic beliefs. The Bank has assembled a solid
preparing framework, which tries to redesign ability levels across
International Journal of Business Administration and Management. ISSN
2278-3660 Volume 7, Number 1 (2017), evaluations and capacities
through a mix of in-house and outer projects. The lead in-house programs
incorporate the Induction Programs for new participants and Credit and
Foreign Exchange Programs for working up a pool of experts in the
particular areas. Outside Programs include esteem - included projects
Team Building and Leadership, Organizational Development,

Page | 46
Management Development Programs, People Management Programs; all
led by chief establishments like the IIMs, Administrative Staff College of
India (ASCI) and ISB Hyderabad. Senior functionaries have likewise
been deputed abroad to go to particular projects planned to keep them
refreshed on advancements on the planet economy.

The bank additionally has a thorough e-learning module conceptualized

and created inhouse and controlled through the intranet. Staying up with
the development in the diversity of items from one perspective and labor
on the other, the preparation man-day shave expanded from 57,317 out of
2008-09 to 65,378 during the year 2009-10 , enlisting a development of
14% throughout the years.

R Padmanabhan, senior VP, HR, learning and improvement, HDFC

Bank, says the stunt in dealing with an effective program is to do ―more
with less‖. So affecting more representatives viably, without spending an
excess of is the response to fruitful preparing. The way to viable
preparing capacity, he includes, is dynamic support by all partners,
including learning supervisors, HR administrators and student's chiefs.
Senior pioneers are effectively connected with at each stage, directly
from need recognizable proof, conceptualizing the preparation
programmed...and while leading meetings. At HDFC Bank — with its
enlistment, on-boarding and social preparing programs like service
greatness and authority programs for different levels — representatives
are mapped to a preparation director and the learning chart of all

Page | 47
employees is followed International Journal of Business Administration
and Management.

Updates accessible through intranet. The activity guarantees that every

single concerned member invest time and exertion in the following
procedure. HR directors or the group that surveys preparing needs in an
association and structures and oversees such projects must recall that
while the principle elements of a preparation module may stay steady, the
strategy utilized requirements to develop consistently given the pace at
which innovation is advancing.

SWOT ANALYSIS

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SWOT represents Strengths, Weaknesses, Opportunities, and Threats,
thus a SWOT Analysis is a method for surveying these four parts of your
business.

You can utilize SWOT Analysis to take advantage of what you have, to
your association's best favorable position. What's more, you can diminish
the odds of disappointment, by understanding what you're missing, and
disposing of dangers that would some way or another catch you
unprepared.

Even better, you can begin to make a system that recognizes you from
your rivals, thus contend effectively in your market.

Page | 49
Strengths of HDFC Bank Limited

As one of the main organizations in its industry, HDFC Bank Limited has
various qualities that help it to flourish in the commercial center. These
qualities not just assistance it to secure the piece of the overall industry in
existing markets yet in addition help in entering new markets.

 Superb Performance in New Markets – HDFC Bank Limited has

constructed mastery at entering new markets and making
accomplishment of them. The extension has helped the association
to fabricate new income stream and expand the financial cycle
chance in the business sectors it works in.
 Strong appropriation organizes – Over the years HDFC Bank
Limited has constructed a solid circulation arrange that can arrive
at dominant part of its latent capacity showcase.
 Strong Free Cash Flow – HDFC Bank Limited has solid free
incomes that give assets in the hand of the organization to venture
into new tasks.
 Strong vendor network – It has assembled a culture among
merchant and sellers where the vendors advance organization's

Page | 50
 items as well as put resources into preparing the business group to
disclose to the client how he/she can extricate the most extreme
advantages out of the items.
 Automation of exercises carried consistency of value to HDFC
Bank Limited items and has empowered the organization to scale
up and downsize dependent on the interest conditions in the
market.
 Highly talented workforce through fruitful preparing and learning
programs. HDFC Bank Limited is putting gigantic assets in
preparing and advancement of its representatives bringing about a
workforce that isn't just profoundly gifted yet in addition roused to
accomplish more.
 Highly effective at Go to Market methodologies for its items.
 Reliable providers – It has a solid base of dependable provider of
crude material therefore empowering the organization to conquer
any store network bottlenecks.

Weakness of HDFC Bank Limited

Shortcoming are where HDFC Bank Limited can enhance.
Methodology is tied in with settling on decisions and shortcoming
are where an association can improve utilizing SWOT examination
and expand on its upper hand and key situating.

 Financial arranging isn't done appropriately and proficiently. The

present resource proportion and fluid resource proportions
recommend that the organization can utilize the money more
productively than what it is doing at present.
 Limited accomplishment outside center business – Even however
HDFC Bank Limited is one of the main associations in its industry

Page | 51
 it has confronted difficulties in moving to other item fragments
with its current culture.
 Investment in Research and Development is beneath the quickest
developing players in the business. Despite the fact that HDFC
Bank Limited is spending over the business normal on Research
and Development, it has not had the option to rival the main
players in the business as far as advancement. It has appeared to be
an experienced firm anticipating bring out items dependent on tried
highlights in the market.
 Days stock is high contrast with the contenders – making the
organization raise increasingly cash-flow to put resources into the
channel. This can affect the drawn-out development of HDFC
Bank Limited
 The productivity proportion and Net Contribution % of HDFC
Bank Limited are underneath the business normal.
 Not generally excellent at item request anticipating prompting
higher pace of botched chances contrast with its rivals. One of the
motivations behind why the days stock is high contrast with its
rivals is that HDFC Bank Limited isn't excellent at request
anticipating in this manner wind up keeping higher stock both in-
house and in channel.
 The showcasing of the items left a great deal to be wanted. Despite
the fact that the item is an accomplishment as far as deal however
its situating and one of a kind selling recommendation isn't plainly
characterized which can prompt the assaults in this portion from
the contenders.

Opportunities for HDFC Bank Limited

Page | 52
 Organization's center skills can be an achievement in comparable
different items field. A near model could be - GE social insurance
examines helped it in growing better Oil boring machines.
 The new tax assessment approach can fundamentally affect the
method for working together and can open new open door for built
up players, for example, HDFC Bank Limited to expand its benefit.
 New drifts in the buyer conduct can open up new market for the
HDFC Bank Limited. It gives an incredible chance to the
association to assemble new income streams and differentiate into
new item classes as well.
 New ecological approaches – The new open doors will make a
level playing field for all the players in the business. It speaks to an
incredible open door for HDFC Bank Limited to commute home its
favorable position in new innovation and addition piece of the
overall industry in the new item class.
 New clients from online channel – Over the previous not many
years the organization has put immense whole of cash into the
online stage. This speculation has opened new deals channel for
HDFC Bank Limited. In the following not many years the
organization can use this open door by realizing its client better and
serving their necessities utilizing large information investigation.
 The new innovation gives a chance to HDFC Bank Limited to
rehearses separated estimating technique in the new market. It will
empower the firm to keep up its steadfast clients with incredible
assistance and draw new clients through other worth arranged
suggestions.
 Economic uptick and increment in client spending, following quite
a while of downturn and moderate development rate in the

Page | 53
 business, is an open door for HDFC Bank Limited to catch new
clients and increment its piece of the overall industry.
 Opening up of new markets due to government understanding – the
reception of new innovation standard and government organized
commerce understanding has given HDFC Bank Limited a chance
to enter another developing business sector.

Threats HDFC Bank Limited

 The request of the exceptionally beneficial items is occasional in

nature and any improbable occasion during the pinnacle season
may affect the benefit of the organization in short to medium term.
 New advances created by the contender or market disruptor could
be a genuine risk to the business in medium to long haul future.
 No customary stock of inventive items – Over the years the
organization has built up various items however those are regularly
reaction to the improvement by different players. Also, the stock of
new items isn't normal hence prompting high and low swings in the
business number over timeframe.
 Rising crude material can represent a risk to the HDFC Bank
Limited productivity.
 Imitation of the fake and low-quality item is likewise a risk to
HDFC Bank Limited's item particularly in the developing markets
and low pay markets.
 Increasing pattern toward nonintervention in the American
economy can prompt comparative response from other government
therefore adversely affecting the worldwide deals.
 Intense rivalry – Stable benefit has expanded the quantity of
players in the business over most recent two years which has
squeezed productivity as well as on by and large deals.

Page | 54
  Shortage of talented workforce in certain worldwide market speaks
to a danger to consistent development of benefits for HDFC Bank
Limited in those business sectors.

Limitations of SWOT Analysis for HDFC Bank Limited

In spite of the fact that the SWOT investigation is broadly utilized as a

vital arranging device, the examination has a lot of impediments.

Certain capacities or elements of an association can be both a quality and

shortcoming simultaneously. This is one of the significant impediments
of SWOT examination. For instance changing ecological guidelines can
be both a danger to organization it can likewise be an open door one
might say that it will empower the organization to be on a level playing
field or at bit of leeway to contenders on the off chance that it ready to
build up the items quicker than the contenders.

SWOT doesn't tell the best way to accomplish an upper hand, so it must
not be an end in itself.

The lattice is just a beginning stage for a conversation on how proposed

systems could be actualized. It gave an assessment window yet not a
usage plan dependent on vital seriousness of HDFC Bank Limited

SWOT is a static appraisal - investigation of business as usual with

hardly any planned changes. As conditions, capacities, dangers, and
systems change, the elements of a serious domain may not be uncovered
in a solitary grid.

SWOT investigation may lead the firm to overemphasize a solitary

inward or outside factor in figuring techniques. There are
interrelationships among the key inward and outer variables that SWOT
doesn't uncover that might be significant in concocting techniques.

Page | 55
 Chapter no. 2

RESEARCH METHODOLOGY

Objective of study

The current investigation predominantly centers around the Marketing of

Financial Services. So:

 To recognize different money related administrations gave by the two

private area banks HDFC Bank.

 To decide the clients' mindfulness level and feeling about new money
related administrations.

 To inspect the fulfillment level of clients with respect to quality and

cost of budgetary administrations gave by the banks.

 To recognize the issues looked by the banks.

 To discover the centrality of distinction between the desires and

encounters of clients about monetary administrations of the banks chose
for the investigation

2.2 Scope

The detest years have seen huge advancements in universal banking.

Rivalry, disintermediation, new administrations and one of a kind
advancement plans are a portion of the developing highlights of changing
worldwide financial situation. The globalization of money related
markets has been additionally quickened by the improvement of
innovation especially in the field of data innovation and electronic

Page | 56
financial framework. Presently the clients are likewise increasingly
educated and figured out how to pick a superior bank for themselves.

Once more, on the administrative side, the Narasimham Committee has

made a solid request for full self-sufficiency of the business banks in
India with RBI as overseeing and controlling position. In this way, the
serious issue before the business banks is their since quite a while ago run
endurance and fashioning path ahead by holding their esteemed clients.

RESEARCH METHODOLOGY

Research technique contains characterizing and reclassifying issues,

figuring speculation or recommended arrangements; gathering, sorting
out and assessing information, making findings and arriving at
resolutions; and finally, cautiously testing the ends to decide if they fir
the defining theory.

A valuable research strategy must be efficient, intelligent, exact and

replicable.

The scientist ought to follow certain deliberate strategies, steps and

specification in structuring, arranging and execution of the examination.

1 RESEARCH DESIGN

An examination configuration is essentially the edge work or plan for an

investigation that is utilized as guide in gathering and dissecting the
information. It is a blue print utilized for finishing an investigation.

PILOT STUDY

Page | 57
A pilot study can allude to numerous sorts of investigations however for
the most part the objective of the examination is to duplicate the full scale
try yet just for a little scope. A pilot study is frequently used to test the
structure of the full scale analyze. The structure would then be able to be
balanced in time. This can end up being important should anything be
absent in the analysis and chances are that the full-scale trial won't need
to be re-done. In this way, an example of 20 respondents was taken for
every survey based on accommodation testing from the various
gatherings. Based on the appropriate responses given and time taken by
the respondents, the surveys were updated and settled.

DATA COLLECTION

The examination depends on essential just as optional information.

SOURCES OF DATA COLLECTION

 Essential information has been gathered through all around organized

far reaching polls. The inquiries were structured keeping taking into
account the targets of the examination. Two arrangements of surveys
were created, one for the bank clients and one for the bank execution.
Now and again, the analyst likewise had individual conversation with the
respondents with the goals of requesting extra data and utilizing this data
to enhance the data gathered through surveys. The last arrangements of
surveys alongside covering letter were then sent to a sum of 1000 bank
clients and 60 bank workers chose by means of helpful examining
method from Sonipat and Rohtak Districts of Haryana state. Following

Page | 58
methodology was embraced to gather information from the focused on
respondents.

CHAPTER NO. 3

LITERATURE REVIEW

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writing Marketing by administration enterprises are yet to pick up force,
particularly with regards to advertising by private area business banks. In
India, the advancement of the money related part has prompted all the
players to reclassify what business they are in and deliberately think how
to remain ahead in the current business. Showcasing direction of banks is
basic for endurance and achievement.

Advertising of monetary administrations by banks is under dynamic and

broad conversation among academicians and bank staff. Studies and
examines have been led both by scholastic specialists and professionals
on the different parts of administrations advertising when all is said in
done and money related administrations promoting by banks. Udel
(1968)1 distinguished advertising advancements as the most significant

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aspect of showcasing system prompting viability. Publicizing, a part of
special system, both an enlightening and influential job, and in this regard
can modify clients' view of a help. National Institute of Bank
Management's investigation on store preparation

(1969)2 reasoned that assembly of assets is one significant aspect of the

different administrations performed by banks. Banks ought to arrange
contributors into fragments and take concentrated measures to advertise
their administrations to them. They should plan appropriate plans to
activate the reserve funds and pull in them through reasonable media of
exposure.

The different methods of banks are basically founded on the standards of

versatility, adaptability, comfort, decrease of money channel,
programmed offices and unique instigations. Progressively customized
administration to accomplish store preparation at branches.

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CHAPTER NO. 4

Data Analysis and interpretation

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 QUESTIONARRIE

1. AGE ?
 18 – 25
 25 – 40
 40 – 60
 60 & ABOVE

2. GENDER ?
 MALE
 FEMALE

3. QUALIFICATION ?
 UNDERGRADUATE
 GRADUATE

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  EMPLOYEE
 SELF EMPLOYED
 OTHERS
4. ANNUAL INCOME ?
 NOT EARNING
 1,00,000 – 3,00,000
 3,00,000 – 5,00,000
 5,00,000 & ABOVE

5. FOR HOW LONG YOU ARE THE PART OF HDFC BANK ?

 LESS THAN 6 MONTH
 LESS THAN 1 YEAR
 LESS THAN 2 YEAR
 MORE THAN 2 YEAR
6. ARE YOU AWARE OF THE DIFFERENCE SERVICIES
OFFERED BY HDFC BANK?
 YES
 NO
7. WHAT ARE THE REASON THAT ATTRACT YOU TO BE
A CUSTOMER OF THE BANK ?
 IMAGE
 SERVICE
 PRODUCTS
 ALL OF THE ABOVE
8. DO YOU KNOW THE SERVICES OF THE BANKING
INDUSTRY ?
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  SAVING A/C
 FIXED DEPOSIT A/C
 CURRENT A/C
 CREDIT A/C
 MUTUAL FUND
 LOANS

9. WHICH OF THE PRODUCTS ARE YOU USING ?

 SAVING A/C
 FIXED DEPOSIT A/C
 CURRENT A/C
 CREDIT A/C
 MUTUAL FUND
 LOANS
10.HOW WILL YOU RATE THE HDFC BANK IN
MAINTAING GOOD CUSTOMER RELATIONSHIP ?
 GOOD
 AVERAGE
 POOR
11.WHICH FINANCIAL SERVICE DO YOU RECEIVE FROM
YOUR BANK ?
 DR & CR CARD
 NET BANKING
 FD & RD DEPOSIT

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  ALL OF THE ABOVE
12.WHICH OF THIS PRODUCTS ARE YOU MORE
INTERESTED IN ?
 MUTUAL FUNDS
 LOAN
 INSURANCE
 CREDIT CARD
 ANY OTHER

13.WHICH SERVICES WOULD YOU RATE THE BEST ?

 SAVING A/C
 FIXED DEPOSIT A/C
 CURRENT A/C
 CREDIT CARD
 MUTRAL FUNDS
 LOAN
14.DO YOU GET THE NOTIFICATION FROM YOUR BANK
AFTER ANY TRANSACTION YOU DO ?
 YES, I ALWAYS GET NOTIFICATION
 NO, I DON’T GET
 SOMETIME, NOT ALWAYS
15.DO YOU KNOW ABOUT THE EXTRA SERVICES BEING
PROVIDED BY THE BANK ?
 YES
 NO

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16.WHICH OF THE FOLLOWING EXTRA SERVICES OF
THE BANK WOULD YOU LIKE TO GO IN FOR?
 PHONE BANKING
 ATM
 NET BANKING
 ALL OF THESE
17.DO YOU THINK E- BANKING HAVE MADE BANKS
MORE EFFICIENT ?
 HIGHLY YES
 NO
 MAY BE
 HIGHLY NO
18.IS NEW TECHNIQUES BETTER THAN TRADITIONAL
TECHNIQUES OF BANK ?
 STRONGLY DISAGREE
 DISAGREE
 NEUTRAL
 AGREE
 STRONGLY AGREE
19.DO YOU THINK AUTOMATION WILL GENERATE COST
SAVING FOR SERVICE PROVIDER?
 YES
 NO
 MAYBE
20.DO TECHNOLOGIES IN BANKING HELPS TO IMPROVE
THE PERFORMANCE OF BANKS?
 HIGHLY YES
 HIGHLY NO
 YES

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  NO
21.DOES IT GETS EASIER TO KEEP ALL THE RECORDS OF
TRANSACTION WITH HEPL OF NEW TECHNOLOGIES?
 AGREE
 DISAGREE
 NEUTRAL
22.DO YOU THINK TECHNOLOGY IN BANKING HAS
FUTURE SCOPE?
 YES
 NO
 MAYBE
23.ARE YOU SATISFIED WITH THE DEALING OF THE
BANK OFFICIALS ?
 YES
 NO
 TO SOME EXTEND
24.DO YOU WANT THAT THE BANK IS REQUIRED TO
TAKE STEP TO DEVELOP SUCH SERVICES?
 YES
 NO
 MAY BE
25.ARE YOU AGREE THAT THE FINANCIAL SERVICES
PROVIDED BY BANKS ARE HELPS TO DO YOUR BANK
WORK EASY ?
 YES
 NO
 MAYBE
26.ANY PROBLEM YOU ARE FACING REGARDING THE
BANK ?

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  CUSTOMER RELATIONSHIP
 INFRASTRUCTURE
 E- BANKING
 TIMELINESS
 ANY OTHER
27.HOW LIKELY ARE YOU TO RECOMMEND BANK
SERVICES TO A FRIEND OR COLLEAGUE?
 VERY LIKELY
 SOMEWHAT UNLIKELY
 NEITHER LIKELY NOR UNLIKELY
 VERY LIKELY
28.WHAT IS YOUR OVER ALL SATISFACTION RATING
WITH OUR COMPANY?
 VERY DISSATISFIED
 SOMEWHAT DISSATISFIED
 VERY SOME WHAT SATISFIED
 VERY SATISFIED

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 RECOMMENDATIONS

 Identify the borrower appropriately.

 Scrutinize the proposal carefully.

 Give satisfactory and convenient fund.

 Ensure usage

 Monitor and neglected up intently.

 Rephrase or reschedule the record for reason outside the ability to

control of borrower.

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  HDFC Bank is reliably picking up piece of the pie in advances and
stores. Since 2006, Bank's piece of the overall industry in advances
and stores expanded to 6.1% and 5.6% from 2.3% and 2.6% in
FY06 separately

 The absolute extraordinary credits and Advances (NBFC + banks)

is around 67-70% of India's GDP when contrasted with over 100%
in other creating and created countries. Consequently, the open-
door size in loaning business is mammoth for 10 years.

 The Bank's net premium salary (NII) and net benefit development
was 26% and 28% individually in the course of the keep going 48
quarters on the rear of 28% development over advances and
advances

Chapter no. 5

5.1 conclusion

INTRODUCTION

A nitty gritty investigation of the exploration work did in regard of 'A

Comparative investigation of Management Audit System between Punjab
National Bank and HDFC Bank Ltd. in India' has been investigated and
detailed in the first part. The imperative target of finishing up this section

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is to quickly outline the significant commitment of the exploration work
did, to select the significant impediment and to make reference to scope
for additional examination work around there.

CHAPTERWISE SUMMARY OF RESEARCH CONTRIBUTION

The fundamental focal point of the current research work is on assessing

the MAS in chose private and open area bank and dissecting the
commitment of MAS in expanding or diminishing the benefit of the bank,
proficiency and adequacy of representatives.

The exploration work is started with a prologue to MAS (History,

Meaning and Concept of MAS, Definition of MA, Salient Features of
MAS, Need for MAS, Objectives of MAS, Advantages of MAS,
Disadvantages of MAS, Working Procedure of MAS, Scope of MAS,
Management Audit - Need of Hour, Appointment of Management
Auditor, Management Auditor's Report, and Company profile of the
chose banks). Further, the scientist has given a short record of related
audit of writing completed at both National and International level.

Part third of the examination study Nature and Present Status of MAS in
Selected Banks' portrays the strategies and techniques followed by the
PNB and HDFC Bank based on the accompanying parameters: Internal
Control, Credit Audit Review, Cash Management Services, Risk
Management, Information Technology, Management Information
System, Non-performing Asset Management, Citizens' sanction, Right to
Information Act, Customer care Center. The current investigation
uncovers that based on the chose parameters open part bank PNB is better
than HDFC Bank in the light of polices and strategy followed by the
banks.

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In section fourth is Comparative Analysis of MAS in both the Selected
Banks'. For this reason, auxiliary information have been investigated
from the yearly report of both the banks. So as to have exact examination
between the two banks, speculations have additionally been tried and
factual instruments score graph, mean, Spearman’s rank connection
coefficient, Karl Pearson's coefficient of relationship, relapse and
understudy t-test have been applied. Subsequent to breaking down the
examination of MAS in both the banks, PNB is discovered better than
HDFC Bank based on chosen parameters. Section fifth of the exploration
study involves Relationship between MAS and Employee's Productivity
and Profitability of Selected Banks. This section incorporates idea of
workers' efficiency, representatives' profitability in banks, connection
between MAS and Employee's Productivity and correlation of PNB and
HDFC Bank based on worker's profitability. When thought about, the
workers' efficiency of PNB is better than that of HDFC Bank since
representatives' profitability is a positive viewpoint which no
organization might want to be it as negative. The relationship of MAS
and workers' efficiency in HDFC Bank is negative, though in PNB it is
certain. Consequently, PNB is better than HDFC Bank in this regard too.

In the last section, essential examination has been done to comprehend

the view of respondents about the idea of MAS in present situation.
Taking into account respondents, PNB is better than HDFC Bank in
reference to mindfulness, points of interest, relationship of MAS with
benefit, and relationship of MAS with proficiency and viability in the
chose banks. More or less, MAS is preferred in open division banks over
in the private area banks. To determine this issue, private division bank

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must view the escape clauses in execution of MAS in their banks, and
undoubtedly. Government should make MAS obligatory in the two sorts
of associations in India.

SUGGESTIONS

Based on examination and discoveries, the analyst puts advances

the accompanying's proposals. The scientist trusts that these
proposals will be helpful to the banks in improving their
proficiency and straightforwardness in their working. These
proposals will likewise be helpful to the administrative bodies like
the RBI to make the business progressively responsible to the
authority just as open.
 The scientist feels that MAS ought to be required in budgetary
segment in general and in banking area specifically.
 MAS ought to be a piece of periodical exercise of inward
review in banking enterprises.
 For initiation of an administration review, the authority ought to
learn
the accompanying: -

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 Targets and objectives of the endeavor so as to survey the
potential outcomes of getting the ideal outcomes through them.
 Reasonableness of arrangements, plans and methodology set
somewhere near the administration.
 Viability and believability of the correspondence framework
including the executives data arrangement of the association.

 Gauges of execution set by the administration.

 Proficiency and economy of assets input.

Results uncovers that PNB is better than HDFC Bank similar to the
workers' efficiency is concerned, in light of the fact that in PNB the
relationship esteem between MAS furthermore, workers'
profitability is 0.64 which is emphatically associated while if there
should arise an occurrence of HDFC bank the relationship esteem
among MAS and representatives' efficiency is - 0.83 which is
contrarily corresponded which infers that representatives'
efficiency is negative in private area bank which isn't suggested.
Private division pays attention to MAS to expand the
representatives' profitability of the bank since execution of MAS
helps in expanding proficiency and viability which brings about
higher workers' efficiency of the bank. MAS ought to be made
compulsory in private area banks since it is helpful for banks from
various perspectives.

Results uncover that PNB is better than HDFC Bank the extent that
the benefit is concerned in light of the fact that in PNB benefits is
expanding and number of workers isn't expanding in that
proportion which shows higher gainfulness, however if there

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 should arise an occurrence of HDFC bank benefit is diminishing
and number of representatives is expanding which shows lower
productivity.

Private area pays attention to MAS to build the gainfulness of the

bank since usage of MAS helps in expanding proficiency and
viability of workers which brings about higher benefit of bank.
MAS ought to be made required in private division banks since it is
valuable for banks from numerous points of view.

Chapter no. 6

Webliography

 ntentMDK:20756247~menuPK:2448342~pagePK:2100S8~piP
K:210062~theSitePK
 http://www.mptechedu.org/PDFs/SchemeQ910.pdf
 http://www.sbi.co.in/user.htm
 http://www.thehindubusinessline.com/industrv-and-
economv/banking/whveducation-loan-schemes-are-not-
ticking/article3997032.ece
 http://www.studvabroad.careers360.com/top-education-loan-
providers-india-studyabroad
 http://business.mapsofmdia.com/banks-in-india/loans.html
 http://www.mponline.gov.in/poital/index.aspx?langid=en-US

Page | 90
 http://www.hindustantimes.com/business-news/good-grades-
will-make-it-easier-forstudents-to-get-education-loans/article1-
1146030.aspx
 http://www.hdfcbank.com/personal/product/productdetails/stu
dent-loans-for-indianeducation/gtsSmipn
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loan/education-loanfeatures.aspx
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action=viewsection&id:=0.1.20.118&lang=0
 http: //www.bankofbaroda. co.in/pfs/eduloans. asp
 http://www.bankofindia.co.in/english/EducationLoan.aspx
 http://www.icicibank.com/Personal-Banking/loans/education-
loan/educationloan.html
 http://www.hdfcbank.com/personal/product/productdetails/stu
dent-loans-for-indianeducation/gtsSmipn

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