Project

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WE UNDERSTAND YOUR WORLD
EXECUTIVE SUMMARY
As a course curriculum of PGDM (BM), it is required to do dissertation project and Industrial Training. I feel really proud in having completed my training at HDFC BANK PVT LTD, NIGDI. My project covers the topic MARKET RESEARCH ON CUSTOMER SATISFACTION & SALES In the todays dynamic and rapidly changing market conditions more theoretical knowledge will not prove good in the ever changing practical world. Hence to overcome the barriers in the company a fieldwork is necessary for the solution of the companys problems. The need for the study in the present market context is important because of competitions. The company gives basic training regarding the various liability products which the executives will be dealing with. Then they were assigned to various branches in groups. Then they went to the field i.e. a particular area and started collecting database and making calls for appointments. Once the appointment is fixed presentations are made to the concern official regarding the various products. If they are satisfied a relation is build with the company and the bank. Since the market conditions as well as customer requirement are ever dynamic, HDFC bank should keep attune of changing needs and requirements of customers. In these few months I learnt a lot from my project. Opportunity to interact with a large number of corporate heads. Knowledge about the banking sector. In hand experience in dealing with customers. Honed our marketing and communicating skills
Area of Operation
This project was carried out in the PCMC area of Maharashtra state to get the actual picture of the customer needs & wants. Institute Of International Business & Research, Pune. 1
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Research Instrument
A questionnaire seeking the required information was designed through joint effort of the manager and the trainee. The details of the sample collected from the enquiry register of the company.
Contact Method
Research being exploratory in nature the information was collected through primary Source, this method found to be most suitable, the database was collected through direct Personal interview of persons.
Analysis & Interpretation of the Information.

Analysis & Interpretation of the responses was done and base on the analysis & interpretation the project report was prepared. I hope that this project will be beneficial for company in every respect.
Institute Of International Business & Research, Pune.
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INTRODUCTION
HDFC BANK Ltd. is a Board managed institution. The responsibility of day to day management of operations of the bank is vested with the chairman, who draws upon the support and expertise of a Top management Team, comprising Executive Directors and a legal adviser. HDFC bank Ltd. has a pool of around 1250 competent and experienced professionals. The bank, with its Head Offices at Mumbai, operates through a network of four Zonal offices (Delhi, kolkata, Mumbai, Chennai) and Branch Offices spread across the country.
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OBJECTIVE:
The project report deals with study of financial product with special reference to HDFC bank. After liberalization, it has become very tough to survive in the market. Hence it is necessary to assess the market performance of each company form time to time. The market performance can be accessed through customer satisfaction.
Primary Objectives:-
To study of customer satisfaction of HDFC Banks Current Account Holder. To find out what exactly are the needs of the customer and what features they are looking for in the products. To know competitors products & their strategies. To study of comparision of HDFC Bank Current Account & other competitor Banks Current Account.
Secondary Objectives:-
To study marketing of current account segment in HDFC bank. To calculate the present banking potential of Pune market. To understand customer perception about HDFC Bank Current account SWOT analysis for HDFC bank to find out the market opportunities and threats present in the market. Institute Of International Business & Research, Pune. 4
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SCOPE:
The scope of the project can be bifurcated into two groups. Primary Scope Secondary Scope
This bifurcation is based on the importance and utilization of the findings from this project.
Primary Scope
The main or primary scope of the project is to find out the satisfaction level of HDFC customers and Current Deposit products provided HDFC Bank.
Secondary Scope
The other scopes of our project work as under. The data & info provided by this project can be used for the better customer services. The project also helps to find out the SWOT analysis of customer satisfaction level of HDFC Bank Customers. This project will also help to understand the customer needs & wants and can be taken as parameter for upgrading the product & services.
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This project will help to understand the future demand of current & saving products provided by HDFC Bank.
This project can help & support the future work teams source.
as a secondary data
The project provided an opportunity to increase my ability to generate sales for the retail banking products. The project offers information of customers requirement from bank. It also enables to know the importance of banking in day to day life for various entities of the society.
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COMPANY PROFILE:-
FOUNDER
If ever there was a man with a mission it was Hasmukhbhai Parekh, our Founder and Chairman-Emeritus, who left this earthly abode on November 18, 1994. Born in a traditional banking family in Surat, Gujarat. Mr. Parekh started his financial career at Harkisandass Institute Of International Business & Research, Pune. 7
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Lukhmidass a leading stock broking firm. The firm closed down in the late seventies, but, long before that, he went on to become a towering figure on the Indian financial scene. In 1956 he began his lifelong financial affair with the economic world, as General Manager of the newly-formed Industrial Credit and Investment Corporation of India (ICICI). He rose to become Chairman and continued so till his retirement in 1972. At the ripe age of 60, Hasmukhbhai started his second dynamic life, even more illustrious than his first. His vision for mortgage finance for housing gave birth to the Housing Development Finance Corporation it was a trend-setter for housing finance in the whole Asian continent. He was a true development banker. His building up HDFC without any government assistance is itself a brilliant chapter in financial history. His wisdom and warmth drew people from all walks of life to him, for advice, guidance and inspiration. A soft spoken man of few words, Mr. Parekh nevertheless held strong and definite views with a quiet conviction. He was always concerned with building bridges, improving and encouraging communication between people. When Mr. Deepak Parekh took over as Chairman from Hasmukhbhai, he said: Taking over from H.T. Parekh is a formidable task; his vision brought about not only an institution, but an entire concept which has proved itself to be of lasting importance.
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PROMOTOR:
Among the new age private sector banks in India, HDFC Bank is riding the crest of fame these days. It has been chosen as India's best bank by international financial magazines Euro Money and Finance Asia for the second year in running. The recent absorption of Times Bank has given it, besides size, a head start in the race for the top slot among all the non public sector banks in India. HDFC Bank's ascent to the top has been marked by timely strategic alliances, non-stop launch of new products since its inception in 1994-1995, and unprecedented passion for technological innovation in operations. Within six years, the organization has earned the desirable label of a world-class bank, which, anyway, was its stated objective from the very beginning. Now, the bank is gearing up for the challenges of the Net age. In this exclusive five-part interview with Associate Editor Y Siva Sankar, Managing Director Aditya Puri dissects HDFC Bank's operations over the last six years to cull out what could be a formula for success in the Indian banking industry. Puri, 50, headed Citibank in Malaysia before returning to India to set up HDFC Bank at a ramshackle textile mill in south Bombay. Now there are 100-plus branches in Indian cities. He has put in more than two decades in the industry during which he earned the reputation of being a super banker and a smart manager. His wellappointed 14 x 10 office on the second floor of Sandoz House in south central Bombay overlooks a busy, noisy artery. The big-size Netcompatible television in a corner is off; the plastic adhesive strip on the remote sensor of its keyboard on Puri's table shows signs of coming off shortly. A glossy wooden tray encases golf balls embossed with naughty comments 'I wish you all the breast,' 'I wish you more balls' -- mementoes from colleagues in Malaysia. The flat-screen tubeless computer monitor lends a touch of class to the ambience. So does the suave Puri himself, as he peppers conversations with technical details of his bank's "hi-tech architecture."
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Board of Directors
Mr. Jagdish Capoor Mr. Aditya Puri, Director Mr. Keki Mistry Mr. Vineet Jain Mrs. Renu Karnad Mr. Arvind Pande Mr. Ashim Samanta Mr. C. M. Vasudev (Appointed as Additional Director w.e.f. 17.10.2006) Mr. Gautam Divan (Appointed as Additional Director w.e.f. 17.10.2006) Mr. Bobby Parikh (Resigned w.e.f. 17.10.2006) Dr. Venkat Rao Gadwal (Relinquished Office w.e.f. 14.3.2007) Dr. Pandit Palande (Appointed as Additional Director w.e.f. 24.04.2007) Chairman Managing
Senior Management Team
Mr. A Parthasarthy Mr. A. Rajan Institute Of International Business & Research, Pune. 10
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Mr. Abhay Aima Mr. Bharat Shah Mr. C. N. Ram Mr. G. Subramanian Mr. Harish Engineer Mr. Kaizad Bharucha Mrs. Mandeep Maitra Mr. Paresh Sukthankar Mr. Pralay Mondal Mr. Sudhir M. Joshi Mr. Vinod G. Yennemadi
About Bank :
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 the RBI's liberalization of the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its Institute Of International Business & Research, Pune. 11
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registered office in Mumbai, India. HDFC Bank commenced Commercial Bank in January 1995.
operations as a Scheduled
Its promoters :
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 1977, the Corporation has maintained a consistent and healthy growth in its operations to remain the market leader in mortgages. Its outstanding loan portfolio covers well over a million dwelling units. HDFC has developed significant expertise in retail mortgage and also has a large corporate client base for its loans to different market segments housing related credit facilities. With its
experience in the financial markets, a strong market reputation, large shareholder base and unique consumer franchise, HDFC was ideally positioned to promote a bank in the Indian environment.
Business focus:
HDFC Banks mission is to be a World-Class Indian Bank. The objective is to build sound customer franchises across distinct businesses so as to be the preferred provider of banking services for target retail and wholesale customer segments, and to achieve healthy growth in profitability, consistent with the banks risk appetite. The bank is committed to maintain the highest level of ethical standards, professional integrity, corporate governance and regulatory compliance. HDFC Bank's business philosophy is based on four core values - Operational Excellence, Customer Focus, Product Leadership and People.
Management:
Mr. Jagdish Capoor took over as the bank's Chairman in July 2001. Prior to this, Mr. Capoor was a Deputy Governor of the Reserve Bank of India. The Managing Director, Mr. Aditya Puri, has been a professional banker for over 25 years and before joining HDFC Bank in 1994 was heading Citibanks operations in Malaysia. The Bank's Board of Directors is composed of eminent individuals with a wealth of experience in public policy, administration, industry and commercial banking. Senior Institute Of International Business & Research, Pune. 12
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executives representing HDFC are also on the Board. Senior banking professionals with substantial experience in India and abroad head various businesses and functions and report to the Managing Director. Given the professional expertise of the management team and the overall focus on recruiting and retaining the best talent in the industry, the bank believes that its people are a significant competitive strength.
Technology :
HDFC Bank operates in a highly automated environment in terms of information technology and communication systems. All the bank's branches have online connectivity, which enables the bank to offer speedy funds transfer facilities to its customers. Multibranch access is also 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. In terms of software, the Corporate Banking business is supported by Flex cube, while the Retail Banking business by Fin ware, both from i-flex Solutions Ltd. The systems are open, scaleable and web - enabled. The Bank has prioritized its engagement in technology and the internet as one of its key goals and has already made significant progress in webenabling its core businesses. In each of its businesses, the Bank has succeeded in leveraging its market position, expertise and technology to create a competitive advantage and build market share.
FINANCIAL RESULTS:
Profit & Loss Account: Quarter ended March 31, 2008
The Bank earned total income of Rs.3, 505.5 crores for the quarter ended March 31, 2008, as against Rs.2, 321.0 crores in the corresponding quarter ended March 31, 2007, registering a
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growth of 51.0%. Net revenues (net interest income plus other income) were Rs.2, 191.4 crores for the quarter ended March 31, 2008, an increase of 51.2% over Rs.1,448.9 crores for the corresponding quarter of the previous year. Interest earned (net of loan origination costs and amortization of premia on investments held in the Held to Maturity (HTM) category) increased from Rs.1,926.5 crores in the quarter ended March 31, 2007 to Rs.2,956.2 crores in the quarter ended March 31, 2008, up by 53.4%. Net interest income (interest earned less interest expended) for the quarter ended March 31, 2008 increased by 55.7% to Rs.1,642.1 crores, driven by average asset growth of 50.3% and a core net interest margin of around 4.4%. Other income (non-interest revenue) registered strong growth of 39.3% from Rs.394.4 crores for the quarter ended March 31, 2007 to Rs.549.3 crores for the quarter ended March 31, 2008. The main contributor to Other Income for the quarter was fees and commissions of Rs.490.4 crores, up 37.6% from Rs.356.3 crores in the corresponding quarter ended March 31, 2007. The other two major components of other income were foreign Exchange/derivatives revenues of Rs.60.4 crores and profit/ (loss) on revaluation/sale of investments of Rs. 11.4 crores, as against Rs.103.3 crores and Rs. (65.6) crores respectively for the quarter ended March 31, 2007. Operating expenses for the quarter were at Rs.1,102.7 crores, as against Rs. 683.9 crores for the corresponding quarter of the previous year. Provisions and contingencies for the quarter were Rs.465.1 crores (against Rs.267.1 crores for the corresponding quarter ended March 31, 2007), principally comprising of specific provisions for non-performing assets and general provisions for standard assets of Rs.293.0 crores and provisions for tax, legal and other contingencies of Rs. 172.7 crores. After Providing Rs.152.5 crores for taxation, the Bank earned a Net Profit of Rs.471.1 crores, an Increase of 37.1% over the quarter ended March 31, 2007.
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Profit & Loss Account: Year ended March 31, 2008

For the year ended March 31, 2008, the Bank earned total income of Rs.12,398.2 crores as against Rs.8,164.2 crores in the previous year. Net revenues (net interest income plus other income) for the year ended March 31, 2008 were Rs.7,511.0 crores, up 50.7% over Rs.4,984.7 crores for the year ended March 31, 2007. Net Profit for year ended March 31, 2008 was Rs.1,590.2 crores, up 39.3%, over the corresponding year ended March 31, 2007.
Balance Sheet: As of March 31, 2008

Total balance sheet size increased by 46.0% from Rs.91,236 crores as of March 31, 2007 to Rs.133,177 crores as of March 31, 2008. Total deposits were Rs.100,769 crores, an increase of 47.5% from March 31, 2007. With savings account deposits of Rs.26,154 crores and Current account deposits at Rs.28,760 crores, the CASA mix continued to remain healthy at around 54.5% of total deposits as at March 31, 2008. Net advances as at March 31, 2008 were Rs.63,427 crores, an increase of 35.1% over March 31, 2007. The Banks total Customer assets (including advances, corporate debentures, investments in securities paper, etc. net of loans securitized and participated out) were Rs.70,403 crores as of March 31,2008. Dividend: The Board of Directors recommended an enhanced dividend of 85% for the year ended March 31, 2008, as against 70% for the previous year. This would be subject to approval by the shareholders at the next annual general meeting.
Capital Infusion & Capital Adequacy:

In June 2007, the Bank allotted 1,35,82,000 equity shares on a preferential basis to HDFC Ltd. aggregating to Rs. 1,390 crores. In July 2007, the Bank made a public offering of 6,594,504 American Depositary Shares (ADS), aggregating to of Rs. 2,393 crores (net of Institute Of International Business & Research, Pune. 15
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underwriting discounts and commissions). The Banks total Capital Adequacy Ratio (CAR) as at March 31, 2008 stood at 13.6% as against the regulatory minimum of 9.0%. Tier-I CAR was 10.3% as against 8.6% as of March 31, 2007.
BUSINESS UPDATE:
As of March 31, 2008, the Banks distribution network was at 761 branches and 1,977 ATMs in 327 cities as against 684 branches and 1,605 ATMs in 320 cities as of March 31, 2007. Against the regulatory approvals for new branches in hand, the Bank expects to further expand the branch network by around 150 branches by June 30, 2008. During the year, the Bank stepped up retail customer acquisition with deposit accounts increasing from 6.2 million to 8.7 million and total cards issued (debit and credit cards) increasing from 7 million to 9.2 million. Whilst credit growth in the banking system slowed down to about 22% for the year ended 2007-08, the Banks net advances grew by 35.1% with retail advances growing by 38.6% and wholesale advances growing by 30%, implying a higher market share in both segments. The transactional banking business also registered healthy growth with cash management volumes increased by around 80% and trade services volumes by around40% over the previous year. Portfolio quality as of March 31, 2008 remained healthy with gross nonperforming assets at 1.3% and net non-performing assets at 0.4% of total Customer assets. The Banks provisioning policies for specific loan loss provisions remained higher than regulatory requirements. HDFC Bank was the first bank in India to launch an International Debit Card in association with VISA (VISA Electron) and issues the MasterCard, Maestro debit card as well.
Merger with Centurion Bank of Punjab Limited

On March 27, 2008, the shareholders of the Bank accorded their consent to a scheme of amalgamation of Centurion Bank of Punjab Limited with HDFC Bank Limited. The Institute Of International Business & Research, Pune. 16
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Shareholders of the Bank approved the issuance of one equity share of Rs. 10/- each of HDFC Bank Limited for every 29 equity shares of Re. 1/- each held in Centurion Bank of Punjab Limited. This is subject to receipt of approvals from the Reserve Bank of India, stock exchanges and other requisite statutory and regulatory authorities. The shareholders also accorded their consent to issue equity shares and/or warrants convertible into equity shares at the rate of Rs. 1,530.13 each to HDFC Limited and/or other promoter group companies on Preferential basis, subject to final regulatory approvals in this regard. The Shareholders of the Bank have also approved an increase in the authorized capital from Rs. 450 crores to Rs . 550 crores.
TIMEES BANK AMALGAMATION;

In a milestone transaction in the 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 par the scheme of amalgamation approved by the shareholders of both banks and the Reserve bank of India, shareholders of times bank received 1 share of HDFC Bank for the every 5.75 shares of Times Bank. The acquisition added significant value of HDFC Bank in terms of increased branch network, expanded geographic reach, enhanced customer base, skilled manpower and the opportunity to crosssell and leverage alternative delivery channels.
Awards and Achievements - Banking Services

2007 Business TodayMonitor Group survey Financial ExpressErnst & Young One of India's "Most Innovative Companies"
Best Bank Award in the Private Sector category
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Award Global HR 'Employer Brand of the Year 2007 -2008' Award - First Runner Excellence Awards up, & many more - Asia Pacific HRM Congress: Business Today 'Best Bank' Award Dun & Bradstreet 'Corporate Best Bank' Award American Express Corporate Best Bank Award 2007 The Bombay Stock Exchange and Nasscom Foundation's Business for Social Responsibility Awards 2007 Outlook Money & NDTV Profit 'Best Corporate Social Responsibility Practice' Award
Best Bank Award in the Private sector category.
The Asian Banker Best Retail Bank in India Excellence in Retail Financial Services Awards Asian Banker Our Managing Director Aditya Puri wins the Leadership Achievement Award for India
2006 Business Today Forbes Magazine Businessworld Best Bank in India. One of Asia Pacific's Best 50 companies. Best listed Bank of India.
The Asset Best Domestic Bank. Magazine's Triple A Country Awards Asiamoney Awards Best Local Cash Management Bank in Large and Medium Institute Of International Business & Research, Pune. 18
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segments. Euromoney Awards "Best Bank" in India.
2005 Asiamoney Awards Best Domestic Commercial Bank Asiamoney Awards Best Cash Management Bank - India . The Asian Banker Excellence Hong Kong-based Finance Asia magazine Economic Times Awards The Asset Triple A Country Awards The Business Today-KPMG Survey The Business Today-KPMG Survey Economic Times Avaya Global Connect Customer Responsiveness Awards Retail Banking Risk Management Award in India. Best Bank India
"Company of the Year" Award for Corporate Excellence. Best Domestic Bank in India Region - 2005 Best Local Cash Management Bank in India US$11-100m - 2005
"Best Bank in India" for the third consecutive year in 2005.
"Most Customer Responsive Company - Banking and Financial Services - 2005
2004 Asiamoney Awards Best Local Cash Management Bank in India US$11-100m Asiamoney Awards Best Local Cash Management Bank in India >US$501m Asiamoney Awards Best Local Cash Management Bank in India 1989-2004 (poll of polls) Asiamoney Awards Best Overall Domestic Trade Finance Services in India - 2004 Asiamoney Awards Most Improved company for Best Management Practices in India 2004 Institute Of International Business & Research, Pune. 19
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Business World Forbes Global Asian Banker Awards The Asset Triple A Country Awards
One of India's Most Respected Companies - 2004 Best Under a Billion, 100 Best Smaller Size Enterprises in Asia/Pacific and Europe - 2004 Operational Excellence in Retail Financial Services - 2004 Best Domestic Bank in India - 2004
2003 Forbes Global The Asset Triple A Country Awards Best Under a Billion, 200 Best Small Companies - 2003 Best Domestic Bank in India -2003
BusinessWorld One of India's Most Respected Companies The Business World Most Respected Company Awards The Asset magazine Best Cash Management Bank The Asset magazine Best Trade Finance Bank FE-Ernst & Young Best Banks Survey Outlook Money Business Today Best New Private Sector Bank - 2003 Best Bank in the Private Sector 2003 Best Bank in India -2003
NASSCOM & Best IT User in Banking -2003 economictimes.com - IT Users Awards
There have been some other proud moments as well:
London-based Euromoney magazine gave us the award for "Best Bank - India" in 1999, "Best Domestic Bank" in India in 2000, and "Best Bank in India" in 2001 and 2002 Asiamoney magazine has named us "Best Commercial Bank in India 2002". For our use of information technology we have been recognized as a "Computerworld
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Honors Laureate" and awarded the 21st Century Achievement Award in 2002 for Finance, Insurance & Real Estate category by Computerworld, Inc., USA. Our technology initiative has been included as a case study in their online global archives.The Economic Times has conferred on us The Economic Times Awards for Corporate Excellence as the Emerging Company of the Year 2000-01. Leading Indian business magazine Business India named us "India's Best Bank" in 2000. In the year 2000, leading financial magazine Forbes Global named us in its list of "The 300 Best Small Companies" in the world and as one of the "20 for 2001" best small companies in the world.
PRODUCTS PROFILE
1. 2. 3.
CURRENT REGULAR ACCOUNT CURRENT PREMIUM ACCOUNT CURRENT TRADE ACCOUNT

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4.
CURRENT PLUS ACCOUNT
CURRENT ACCOUNT AT HDFC BANK:-
At HDFC Bank, they make their business, to help the business, by offering the Current Account with all the benefits which the account holders need. To stay ahead of their competition. They understand & appreciate that running a business requires time and money, also that their business needs are constantly evolving. Thats where the bank comes in. The bank provides the account holder with a choice of Current Account options to exclusively suit the businesses. Money transactions are at the heart of most business relationships. Your banks support and services can make all the difference in closing a deal, and maintaining goodwill with business associates. Who can apply! To open a current Account, you have to be any of the following:We have following different types of current accounts 1. An individual who has attained majority. 2. Two or more individuals in their joint names. 3. Sole proprietorship concerns. 4. Partnership concerns. 5. Hindu undivided family, 6. Limited companies. 7. Clubs, societies, 8. Trusts, Executors and Administrators. Institute Of International Business & Research, Pune. 22
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9. Others Govt. and semi Govt. bodies, local authorities etc.
Regular Current Account:-
Fees & Charges for Regular C/A Description of Charges Minimum Balance (Average Quarterly Balance) Non-Maintenance Charges per quarter Cheque Book Charges (Issued by Bank) Other Current Account facilities Issue of Duplicate / Adhoc Statement Branch: Rs 100/- per statement * Phone Banking: Rs 50/per statement (Non IVR) and Rs 30/- per statement (IVR) Net Banking: Rs 30/- per statement ATM & Mobile Banking: Rs 50/- per statement. Average of daily closing balances of each day spread over a period of three months. Regular Current Account
Current Accounts with Cheque facility Rs. 10,000/Charge of Rs.750/- per quarter, if AQB is less than Rs.10,000/Payable-at-par Charges Rs 2/- per leaf
Mode of calculation of minimum average quarterly balance
Remittance facility through own Bank Institute Of International Business & Research, Pune. 23
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Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD Pay Orders (PO) - on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Issuance of DD/ PO through Phone Banking DD/POCancellation/Revalidation NEFT/EFT Transactions : Payments Collections RTGS Transactions : Payments Collections Local Transactions (At home branch location) Local cheques collections & payments Account to Account Fund Transfer within HDFC Bank Anywhere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank Payments & Collections at HDFC Bank Locations Bulk Transaction Charges
DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD, Above Rs. 50,000 and up to Rs. 100,000- Rs. 25/-, Above Rs. 100,000- Free PO amount Up to Rs. 50,000 charges Rs. 40/- per PO, Above Rs. 50,000 and up to Rs. 100,000 - Rs. 25/-, Above Rs. 100,000- Free All standard charges for DD / PO are applicable as above. Only DD / PO amount upto Rs 500,000/- are accepted at Phone banking. Rs.50/- per instrument
Free Free Rs. 100/- per transaction Free
Free Free
Rs.15/- per transaction Charges at Rs.1.50/1000, min Rs. 25 All transactions are subject to a maximum of 100 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied.Includes all Local / Anyhwere clearing and transfer transactions.
Remittance facility through other Bank Institute Of International Business & Research, Pune. 24
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Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup)
Rs.2.00 per Rs.1000/- Minimum Rs.50/-
DD-Cancellation / Revalidation Rs.50/- per instrument Cheque Collection Outstation through own bank Outstation through another bank Rs.2.50 per Rs.1000 for Cheques drawn on HDFC Bank Locations, min Rs. 50 per instrument. Correspondent bank locations: Rs.4/- per Rs.1,000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25)
Bouncing of cheques- Local Cheques Drawn on us Due to Insufficient Funds Rs.300/- per Instrument Accounts not maintaining AQB Rs.350/- per Instrument as of previous quarter Due to Technical Reasons Cheques Deposited Returned Unpaid Local Accounts Not maintaining AQB as of Previous Quarter Outstation Bouncing of chequesoutstation- through own bank Bouncing of chequesoutstation- through another bank Doorstep Banking ** Cash Pickup Charges (within municipal city limits) Cash Pickup upto Rs 1 Lac Cash Pickup beyond Rs 1 Lac and upto Rs 2 Lac Rs 150/- per pickup Rs 200/- per pickup Rs.50/- per Instrument Rs.100/- per Instrument Rs.100/- per Instrument Rs.100/- per Instrument Rs.100/- per Instrument No Charge
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Cash Pickup beyond Rs 2 Lac and upto Rs 3 Lac
Rs 300/- per pickup
Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager Cheque Pickup Charges On a monthly basis On a per call basis Cash Transactions Cash Deposit Cash Deposit-Home Branch Location Cash Deposit -Non Home location Cash Withdrawal Cash Withdrawal-Home Branch Cash Withdrawal-Non Home Branch-Intracity & Intracity Miscellaneous Balance enquiry Balance Certificate Interest Certificate Photo attestation Signature attestation Stop Payment Charges Particular cheque Range of cheques Account Closure: Institute Of International Business & Research, Pune. 26 Rs.50/- (FREE through Net Banking and Phone Banking*) Rs.100/- (FREE through Net Banking and Phone Banking*) Rs.25/Rs.50/Rs.50/Rs. 50/Rs. 50/Free at Home Branch Cash withdrawals charges @ Rs.2/1000, min Rs. 50 Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. Free upto Rs.2 lacs per month or 25 transactions which ever is lower, Deposit in excess of Rs.2 lacs or 25 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 10,000/- per account per day) Not Allowed Rs 300/- per month Rs 25/- per call
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Up to 14 days 15 days to 6 months More than 6 months Inoperative account Transactions through Phone Banking: Interactive Voice Response (IVR) Non-IVR-Agent assisted-For accounts maintaining AQB
No Charge Rs.100/No Charge Activation of Dormant/inoperative account Rs.100/-
Free Free
Non-IVR- Agent assisted - For accounts NOT maintaining AQB as of previous quarter and Rs.50/- per call for transactions that are available on IVR ECS (Debit) Return Charges Rs 200 (plus taxes)
Premium current Account:-
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Fees & Charges for Premium C/A Description of Charges Minimum Balance (Average Quarterly Balance) Non-Maintenance Charges per quarter Cheque Book Charges (Issued by Bank) Premium Current Account
Current Accounts with Cheque facility Rs. 25,000/Charge of Rs.900/- per quarter, if AQB is less than Rs.25,000/Payable-at-par 100 cheque leaves Free per month. Charges Rs 2/- per leaf beyond 100 leaves
Other Current Account facilities Issue of Duplicate / Adhoc Statement Mode of calculation of minimum average quarterly balance Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD Pay Orders (PO) -on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Issuance of DD/ PO through Phone Banking: DD/POCancellation/Revalidation NEFT/EFT Transactions : Payments Collections RTGS Transactions : Institute Of International Business & Research, Pune. 28 Free Free Branch: Rs 100/- per statement * Phone Banking: Rs 50/per statement (Non IVR) and Rs 30/- per statement (IVR) Net Banking: Rs 30/- per statement ATM & Mobile Banking: Rs 50/- per statement. Average of daily closing balances of each day spread over a period of three months.
Remittance facility through own Bank DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD, Above Rs. 50,000 and up to Rs. 100,000- Rs. 25/-, Above Rs. 100,000- Free PO amount Up to Rs. 50,000 charges Rs. 40/- per PO, Above Rs. 50,000 and up to Rs. 100,000 - Rs. 25/-, Above Rs. 100,000- Free All standard charges for DD / PO are applicable as above. Only DD / PO amount upto Rs 500,000/- are accepted at Phone banking. Rs.50/- per instrument
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Payments Collections
Rs. 100/- per transaction Free
Local Transactions (At home branch location) Local cheques collections & payments Account to Account Fund Transfer within HDFC Bank Anywhere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank Payments & Collections at HDFC Bank Locations Bulk Transaction Charges Rs.15/- per transaction Free up to Rs. 25 lacs per month, Charges at Rs.1.50/1000, min Rs. 25 All transactions are subject to a maximum of 100 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anyhwere clearing and transfer transactions. Free Free
Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup) Rs.2.00 per Rs.1000/- Minimum Rs.50/-
DD-Cancellation / Revalidation Rs.50/- per instrument Cheque Collection Outstation through own bank Outstation through another bank Rs.2.50 per Rs.1,000/- for Cheques drawn on HDFC Bank Locations, min Rs. 50 per instrument. Correspondent bank locations: Rs.4/- per Rs.1,000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25)
Bouncing of cheques- Local Cheques Drawn on us Institute Of International Business & Research, Pune. 29
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Due to Insufficient Funds
Rs.300/- per Instrument
Accounts not maintaining AQB Rs.350/- per Instrument as of previous quarter Due to Technical Reasons Cheques Deposited Returned Unpaid Local Accounts Not maintaining AQB as of Previous Quarter Outstation Bouncing of chequesoutstation- through own bank Bouncing of chequesoutstation- through another bank Doorstep Banking ** Cash Pickup Charges (within municipal city limits) Cash Pickup upto Rs 1 Lac Cash Pickup beyond Rs 1 Lac and upto Rs 2 Lac Cash Pickup beyond Rs 2 Lac and upto Rs 3 Lac Rs 150/- per pickup Rs 200/- per pickup Rs 300/- per pickup Rs.50/- per Instrument Rs.100/- per Instrument Rs.100/- per Instrument Rs.100/- per Instrument Rs.100/- per Instrument No Charge
Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager Cheque Pickup Charges On a monthly basis On a per call basis Cash Transactions Cash Deposit Cash Deposit-Home Branch Location Free upto Rs.3 lacs per month or 25 transactions which ever is lower, Deposit in excess of Rs.3 lacs or 25 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 25,000/- per account per day) 30 Rs 300/- per month Rs 25/- per call
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Cash Deposit -Non Home location Cash Withdrawal Cash Withdrawal-Home Branch Cash Withdrawal-Non Home Branch-Intracity & Intracity
Maximum Rs.25,000/- per day. Charges @ Rs. 3/1000, min Rs. 50
Free at Home Branch Free cash withdrawals upto Rs.25,000/- per day, beyond which charges @ Rs.2/1000, min Rs. 50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction.
Miscellaneous Balance enquiry Balance Certificate Interest Certificate Photo attestation Signature attestation Rs.25/Rs.50/Rs.50/Rs. 50/Rs. 50/-
Stop Payment Charges Particular cheque Range of cheques Account Closure: Up to 14 days 15 days to 6 months More than 6 months Inoperative account Transactions through Phone Banking: Interactive Voice Response (IVR) Non-IVR-Agent assisted-For accounts maintaining AQB Non-IVR- Agent assisted - For accounts NOT maintaining Free Free Rs.50/- per call No Charge Rs.100/No Charge Activation of Dormant/inoperative account Rs.100/Rs.50/- (FREE through Net Banking and Phone Banking*) Rs.100/- (FREE through Net Banking and Phone Banking*)
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AQB as of previous quarter and for transactions that are available on IVR ECS (Debit) Return Charges Rs 200 (plus taxes)
Trade Current Account
Fees & Charges for Trade Current Account Description of Charges Trade Current Account 32
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Current Accounts with Cheque facility Minimum Balance (Average Quarterly Balance) Non-Maintenance Charges per quarter Cheque Book Charges (Issued by Bank) Other Current Account facilities Issue of Duplicate / Adhoc Statement Mode of calculation of minimum average quarterly balance Branch: Rs 100/- per statement * Phone Banking: Rs 50/per statement (Non IVR) and Rs 30/- per statement (IVR) Net Banking: Rs 30/- per statement ATM & Mobile Banking: Rs 50/- per statement Average of daily closing balances of each day spread over a period of three months. Rs. 40,000/Charge of Rs.1,200/- per quarter, if AQB is less than Rs.40,000/Payable-at-par 200 cheque leaves Free per month. Charges Rs 2/- per leaf beyond 200 leaves
Remittance facility through own Bank Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD Pay Orders (PO) - on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Issuance of DD/ PO through Phone Banking DD/POCancellation/Revalidation NEFT/EFT Transactions : Payments Collections RTGS Transactions : Payments Free Free Free Free up to 30 DDs per month. Above 30 transactions, charges @ Rs. 25/- per Demand draft Free up to 30 POs per month. Above 30 transactions, charges @ Rs. 25/- per Pay-order All standard charges for DD / PO are applicable as above. Only DD / PO amount upto Rs 500,000/- are accepted at Phone banking. Rs.50/- per instrument
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Collections Local Transactions (At home branch location) Local cheques collections & payments Account to Account Fund Transfer within HDFC Bank Anynhwere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank Payments & Collections at HDFC Bank Locations Bulk Transaction Charges
Free
Free Free
Free Free up to Rs.50 lacs per month, beyond which charges @ Rs. 0.50/1000, min Rs. 25 All transactions are subject to a maximum of 150 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and transfer transactions.
Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie-up) Rs.2.00 per Rs.1000/- Minimum Rs.50/-
DD-Cancellation / Revalidation Rs.50/- per instrument Cheque Collection Outstation through own bank Outstation through another bank Rs. 0.50/1000, min Rs. 25 per instrument Correspondent bank locations: Rs.4/- per Rs.1,000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25)
Bouncing of cheques- Local Cheques Drawn on us Due to Insufficient Funds Rs.300/- per Instrument Accounts not maintaining AQB Rs.350/- per Instrument Institute Of International Business & Research, Pune. 34
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as of previous quarter Due to Technical Reasons Cheques Deposited Returned Unpaid Local Accounts Not maintaining AQB as of Previous Quarter Outstation Bouncing of chequesoutstation- through own bank Bouncing of chequesoutstation- through another bank Rs.50/- per Instrument Rs.100/- per Instrument Rs.100/- per Instrument Rs.100/- per Instrument Rs.100/- per Instrument No Charge
Doorstep Banking ** Cash Pickup Charges (within municipal city limits) Cash Pickup upto Rs 1 Lac Cash Pickup beyond Rs 1 Lac and upto Rs 2 Lac Cash Pickup beyond Rs 2 Lac and upto Rs 3 Lac Rs 150/- per pickup Rs 200/- per pickup Rs 300/- per pickup
Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager Cheque Pickup Charges On a monthly basis On a per call basis Cash Transactions Cash Deposit Cash Deposit-Home Branch Location Cash Deposit -Non Home Free upto Rs.5 lacs per month or 40 transactions which ever is lower, Deposit in excess of Rs.5 lacs or 40 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 50,000/- per account per day) Maximum Rs.50,000/- per day. Charges @ Rs. 3/1000, min 35 Rs 300/- per month Rs 25/- per call
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location Cash Withdrawal Cash Withdrawal-Home Branch Cash Withdrawal-Non Home Branch-Intracity & Intracity
Rs. 50
Free at Home Branch Free cash withdrawals upto Rs.50,000/- per day, beyond which charges @ Rs.2/1000, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction.
Miscellaneous Balance enquiry Balance Certificate Interest Certificate Photo attestation Signature attestation Stop Payment Charges Particular cheque Range of cheques Account Closure: Up to 14 days 15 days to 6 months More than 6 months Inoperative account No Charge Rs.100/No Charge Activation of Dormant/inoperative account Rs.100/Rs.50/- (FREE through Net Banking and Phone Banking*) Rs.100/- (FREE through Net Banking and Phone Banking*) Rs.25/Rs.50/Rs.50/Rs. 50/Rs. 50/-
Transactions through Phone Banking: Interactive Voice Response (IVR) Non-IVR-Agent assisted-For accounts maintaining AQB Free Free
Non-IVR- Agent assisted - For Rs.50/- per call accounts NOT maintaining AQB as of previous quarter and for transactions that are Institute Of International Business & Research, Pune. 36
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available on IVR ECS (Debit) Return Charges Rs 200 (plus taxes)
Plus Current Account
Fees & Charges for Plus Current Account Description of Charges Minimum Balance (Average Quarterly Balance) Non-Maintenance Charges per quarter Plus Current Account
Current Accounts with Cheque facility Rs. 100,000/Charge of Rs.6,000/- per quarter, if AQB is less than Rs.50,000/Charge of Rs.1,500/- per quarter, if AQB is less than Rs. 100,000/- but > = Rs. 50,000/-
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Cheque Book Charges (Issued by Bank)
Payable-at-par 300 cheques leave Free per month. Charges Rs 2/- per leaf beyond 300 leaves
Other Current Account facilities Issue of Duplicate / Adhoc Statement Branch: Rs 100/- per statement * Phone Banking: Rs 50/per statement (Non IVR) and Rs 30/- per statement (IVR) Net Banking: Rs 30/- per statement ATM & Mobile Banking: Rs 50/- per statement Average of daily closing balances of each day spread over a period of three months.
Mode of calculation of minimum average quarterly balance
Remittance facility through own Bank Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD Pay Orders (PO) - on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Issuance of DD/ PO through Phone Banking DD/POCancellation/Revalidation NEFT/EFT Transactions : Payments Collections RTGS Transactions : Payments Collections Free Free Free Free Free up to 50 DDs per month. Above 50 transactions, charges @ Rs. 25/- per Demand draft Free up to 50 POs per month. Above 50 transactions, charges @ Rs. 25/- per Pay-order All standard charges for DD / PO are applicable as above. Only DD / PO amount upto Rs 500,000/- are accepted at Phone banking. Rs.50/- per instrument
Local Transactions (At home branch location) Local cheques collections & Free 38
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payments Account to Account Fund Transfer within HDFC Bank Anywhere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank Payments & Collections at HDFC Bank Locations Bulk Transaction Charges Free Free up to Rs.100 lacs per month, beyond which charges @ Rs. 0.50/1000, min Rs. 25 All transactions are subject to a maximum of 250 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anyhwere clearing and transfer transactions Free
Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie-up) Rs.2.00 per Rs.1000/- Minimum Rs.50/-
DD-Cancellation / Revalidation Rs.50/- per instrument Cheque Collection Outstation through own bank Outstation through another bank Collection : Free, only courier charges of Rs 20 per instrument Correspondent bank locations: Rs.4/- per Rs.1,000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25)
Bouncing of cheques- Local Cheques Drawn on us Due to Insufficient Funds Rs.300/- per Instrument Accounts not maintaining AQB Rs.350/- per Instrument as of previous quarter Due to Technical Reasons Cheques Deposited Returned Unpaid Local Rs.50/- per Instrument Institute Of International Business & Research, Pune. 39 No Charge
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Accounts Not maintaining AQB as of Previous Quarter Outstation Bouncing of chequesoutstation- through own bank Bouncing of chequesoutstation- through another bank Doorstep Banking **
Rs.100/- per Instrument Rs.100/- per Instrument Rs.100/- per Instrument Rs.100/- per Instrument
Cash Pickup Charges (within municipal city limits) Cash Pickup upto Rs 1 Lac Cash Pickup beyond Rs 1 Lac and upto Rs 2 Lac Cash Pickup beyond Rs 2 Lac and upto Rs 3 Lac Rs 150/- per pickup Rs 200/- per pickup Rs 300/- per pickup
Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager Cheque Pickup Charges On a monthly basis On a per call basis Cash Transactions Cash Deposit Free upto Rs.10 lacs per month or 50 transactions which ever is lower, Deposit in excess of Rs.10 lacs or 50 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home-branch city subject to limit of Rs.100,000/- per account per day) Maximum Rs.100,000/- per day. Charges @ Rs. 3/1000, min Rs. 50 Free, once in a day Rs 25/- per call
Cash Deposit-Home Branch Location
Cash Deposit -Non Home location Cash Withdrawal Cash Withdrawal-Home Branch Cash Withdrawal-Non Home Branch-Intracity & Intracity
Free at Home Branch Free cash withdrawals upto Rs.50,000/- per day, beyond which charges @ Rs.2/1000, min Rs.50/- (Only for 40
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incremental amount), Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. Miscellaneous Balance enquiry Balance Certificate Interest Certificate Photo attestation Signature attestation Stop Payment Charges Particular cheque Range of cheques Account Closure: Up to 14 days 15 days to 6 months More than 6 months Inoperative account Transactions through Phone Banking: Interactive Voice Response (IVR) Non-IVR-Agent assisted-For accounts maintaining AQB Free Free No Charge Rs.100/No Charge Activation of Dormant/inoperative account Rs.100/Rs.50/- (FREE through Net Banking and Phone Banking*) Rs.100/- (FREE through Net Banking and Phone Banking*) Rs.25/Rs.50/Rs.50/Rs. 50/Rs. 50/-
Non-IVR- Agent assisted - For accounts NOT maintaining AQB as of previous quarter and Rs.50/- per call for transactions that are available on IVR
Documents required for different types of account holders:-
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For Resident Individuals

Document for establishing proof of identity :a) Passport (not expired) b) MAPIN card (issued by NSDL) c) PAN card d) Election/voters card Subject to being accompanied by a self signed cheque drawn on nationalized/private sector/ foreign banks. e) Photo I.D. card issued by any of the following Organizations / institutions. f) Central government or any of its ministries. Statutory/ Regulatory authorities State government or any of its ministries Public sector undertaking (established under GOI or state government) Permanent driving license (not expired) subject to being accompanied by a self-signed cheque drawn on nationalized/private sector/foreign banks g) Arms license issued by the state / government of India (containing photograph of the applicants.)
Document for establishing Proof of address:-
Passport (not expired) Permanent Driving License (not expired) Telephone bill / electricity bill of public and approved private operators in the state (not older than 3 months from the date of account opening) Bank account statement of a PSU/ Private sector/ Foreign bank (not older than 3 months from date of opening account). Ration card Election card/ voters I.D.(if it has address)
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For Proprietor:I. Shop Act / Sales Tax Certificate II. PAN Card as ID proof. III. One copy of photo IV. IP Cheque
For Partnerships:I. Shop Act / Sales Tax Certificate / PAN Card of Firm & Bank Statement. II. PAN Card. III. One copy of photo.
IV. Partnership Deed. V. Mode of Operation.
For Private Ltd. Company:I. Memorandum of Association. II. Article of Association. III. Certificate of Incorporation. IV. Board of Resolution. V. PAN Card of each Director. VI. PAN Card of Firm. VII. Photo of authorized signatories
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WORK PROCESS IN HDFC BANK

In HDFC Bank work process for CASA TEAM is divided in 4 stages. MAPPING PROFILING DOCUMENTATION CLOSING
In the first stage of this process which is MAPPING, I have to do MAPPING and in this we have to collect data of our prospect customers. It was like cold calling, we have to go to in the various area of the Pune to find our target company. In this Process we have to collect following information about the company or prospect customer. Name of the company. Complete address of the company. Name of the concern person who looks after payroll of the company. His designation
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His contact number or visiting card. And existing bank with which they are banking. Total number of employees on the payroll of the company.
After this we have to report to the corporate sales manager to show him data and after that we have to make a call to the concern person to take an appointment. And once appointment is being fixed we have to go with senior sales officer or with corporate sales manager on the call. Second step in this was profiling. In this we have to get some of information from the corporate at the time of meeting. And according to that we can offer him a best deal because before each and every offer criteria has been made by the bank, and in which criteria that company is coming we have to decide and according to that we use to offer them best deal. In this we used to ask questions which are as follows Number of employees on the payroll of the company. Last month net salary disbursement of the company (to decide criteria in which they are coming) Nature of business Name and number of the directors. Type of the company, where it is public limited, private limited, solo ownership etc. Name of the concern person, who looks after payroll of the company. Marketing is a cyclical process consisting of four main phases.
strategy
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Research
Measureme nt
Planning
Implementat ion
. Third process starts when deal has been closed or finalized. Than we could start documentation process as per the banking requirements. Which included following documents of the company? Memorandum of association. Partnership deed. Directors photo ID proof. (PAN card/ passport/ driving license/ voter ID) Employees detail. Current account detail
And in last in forth stage which is closing we have to start opening salary accounts of each and every employees to disburse salary in their accounts. For that matter senior sales officers use to go to the employees of the company and get form fill and collect required Institute Of International Business & Research, Pune. 46
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documents. As per this process HDFC Bank does work, but the process of documentation is very hazardous which should be flexible.
SWOT ANALYSIS
It is always necessary to analyze both micro and macro environment to find out opportunity as one should analyze itself before preparing strategy. This helps him in identifying its own strengths or advantages over the other market players as well as his weakness which should be minimized. It also reflects the available opportunities in the market and threats present in the market. In SWOT analysis I have analyzed HDFC Bank as an entity and not the various products, thus this analysis was carried out by considering the various internal and external forces which affects the ability and efficiency of the bank to serve their customers in a better fashion than of the competitors. Such a SWOT analysis is shown under:-
Strength:Institute Of International Business & Research, Pune. 47
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HDFC Bank is awarded as the best bank for the last financial year by business today group, this is one of the major strengths of the bank. Large share of low cost deposits ,higher net interest margin Better quality of assets, NPA of 0.4 % Free float available, FIIs can buy its stock Higher profitability The further strengths of the bank can be listed as follows: Anywhere banking Quality service Wide Branch and ATM network Wide product range Free insta alter& bill pay facilities
Weakness:As the bank has got large customer base, many a times it results into degradation in the service quality level. Because of high customers base sometimes bankers are not able to attend every customers in the satisfactory manner, this results into customer dissatisfaction. The long queue for cash transaction many times irritates the customer. Thus there is requirement of increase in work force in accordance with increase in the customer base. Marginal international presence No next line of leadership Possible takeover target
Some of the product features also prevents to increase the reach in the market, that is: High AQB (average quarterly balance) requirements as compared to nationalised banks High services charges High AQB Non-maintenance charges
Opportunity:-
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There is a still high expansion opportunity in the market. Bank can reach up to such customers/territories where only co-operative banks or nationalized banks are market players. Product modification or up gradation can also help the bank to increase the customer base.
Threats:The following are threats present in the market for the bank: High competition by nationalized as well as private banks like SBI and ICICI BANK More and more players are entering into the market like ABN- Amro bank, CITY bank, Barclay. Local market players who offers the same product at very low fund requirements as Co-operative Banks. Multinational banks have entered the market and are in direct competition with the bank like HSBC bank, IDBI bank. The above analysis is useful in knowing the banks strength, which they need to retain or maintain ,the weakness, which are required to be overcome, opportunities available in the market and threats present in the market.
CURRENT ACCOUNT OFFERED BY MAIN COMPETITORS OF HDFC BANK
CORPORATION BANK:
Current Accounts are primarily intended for businessmen, firms, companies, and public enterprises etc. which have numerous banking transactions every day. In a current Account, a customer can deposit any amount of money, any number of times and draw any amount as many times like, as long as he has funds to his credit. Current Accounts Institute Of International Business & Research, Pune. 49
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are meant neither for the purpose of earning interest nor for the purpose of savings but only for convenience. Who can open an Account? 10. An individual who has attained majority. 11. Two or more individuals in their joint names. 12. Sole proprietorship concerns. 13. Partnership concerns. 14. Hindu undivided family, 15. Limited companies. 16. Clubs, societies, 17. Trusts, Executors and Administrators. 18. Others Govt. and semi Govt. bodies, local authorities etc. Mode of opening an account An account can be opened with a minimum deposit stipulated by the bank, photographs of the prospective account holder customer should give a declaration that he they are not enjoying credit facilities with any other bank or branch of the same bank. The prospective account holder should fill in the account opening form, sign it and furnish the operational instructions. Introduction; A proper introduction by a customer or a respectable person known to the bank is essential for opening the account. Standing instructions: The customer can give standing instructions for affecting his regular payments like insurance premium, rent, taxes etc, provided sufficient balance is maintained in the account. Transfer of funds: Institute Of International Business & Research, Pune. 50
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The account holder can avail the facility of transfer of funds by means of Mail Transfer/Telegraph Transfer/Demand drafts. Nomination Facility: Nomination facility is available.
IDBI BANK
Types of current account Special Bronze Silver Gold In special average quarter balance is 50,000/ In bronze average quarter balance is 1,00,000/ In silver average quarter balance is 3,00,000/In gold average quarter balance is 5,00,000/
IDBI banks vast branch network across cities ensures; Faster and efficient movement of funds. Cost savings on fund collections and payments Funds transfers and inter-city branch banking from one account. Services offered to current a/c holders: Free electronic fund transfer Free phone banking Free internet banking Institute Of International Business & Research, Pune. 51
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Monthly statement Mobile banking Personalized cheque book
ORIENTAL BANK OF COMMERCE:

How to open an account? Obtain account opening form from the nearest branch, fill it up properly and deposit the same with the branch of your choice along with the following Furnish proof of residence (In the form of a copy of Ration
Card/Passport/Driving/License/Electricity bill/Telephone Bill/Identity Card issued by any reputed institution. Originals be shown only at the time of scrutiny of papers)/business address. Furnish 2 photographs of all the prospective account holders. Introduction about you from a person known to the bank preferably by an account Holder of the Branch, whose account has run satisfactorily at least for the past six months. Furnish undertaking/documents/declarations/as applicable. Please refer Current Account opening from for details.
Furnish PAN or Declaration of Form No. 60/61 as the case may be. Minimum deposits In Urban/ metropolitan branches Rs. 5000 52
In Rural/ semi Urban branches Rs. 500
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PUNJAB NATIONAL BANK:

Current Accounts can be opened by individuals, partnership firms, private and public limited companies, HUFs/specified associates, societies, trusts etc. As required by law, while opening this account bank will satisfy itself about the identity, including verification of address, of a persons seeking to open an account, to assist in protecting the prospective customers members of the public and ourselves against fraud and other misuses of the banking system. The bank is required to obtain two recent photographs of the persons opening operating the account, as per Rbi directives. The bank is required to obtain Permanent Account Number or General Index Register(GIR) Number or alternatively obtain declaration in form no.60 or 61 as per the Income Tax Act (Vide Section 139A) from the persons opening any type of account (i.e. including partners of Registered/Unregistered partnership as also Registered/incorporated bodies/companies) except where term deposit a/c is opened for an amount of Rs.50,000/- or less The bank will provide to prospective customers, details of the documents required for identification of the persons opening the account in addition to a satisfactory introduction. Documents normally accepted are the Current Gas/Telephone electricity bill or ration card or No interest is paid on credit balances kept in current account. Service charges are levied for: Ledger folio used Cheque books issued Institute Of International Business & Research, Pune. 53
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Non-maintenance of minimum balance, return of cheques, etc.
For opening special types of current accounts like for executors, Administrators, Trustees, Liquidators etc. the Branch manager may be contacted who will help in opening these types of accounts.
As per RBI directive, the applicant (i.e. account opener) should declare in the account opening form or separately, that he is not enjoying any credit facility with any other bank, in case he is enjoying any credit facility/facilities, he should declare full particular thereof, indicating the name of the Bank and branch
No limit on number of transactions in the account . Minimum balance to be maintained is as under.
Category of Branches Rural Semi Urban Urban Metro
Minimum Balance Rs.500 Rs.1,000 Rs.3,000 Rs.5,000
UTI BANK:
UTI Bank brings four different kinds of current accounts for different types of businesses.
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At UTI Bank, we are committed to creating an easy and comfortable banking environment for your business; we realize that different business needs different solutions according to their size, nature and scale of operations. We also understand what you need to add impetus to your business. Our range of current accounts comes geared to answer all kinds of business requirements, each of our current accounts has been customized to ensure efficient management, quick transfers and instant availability of your funds across our network,. Normal Current Account Business Advantage Account Business Classic Account Business Privilege Account NORMAL CURRENT ACCOUNT At an average Quarterly Balance of RS. 10000 this account takes you into the all new world of banking.
BUSINESS ADVANTAGE ACCOUNT As your business grows, so does your banking requirement. And, you need an account that can keep pace with your growth. Business Advantage Account, at an average quarterly balance of Rs.25000 is just right for you.
BUSINESS CLASSIC ACCOUNT
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Business classic account from UTI Bank helps you co-ordinate your finances perfectly with total control on your funds. So enjoy the power. All at an average quarterly Balance Requirements Rs.1 lakh. Average quarterly balance Requirements Rs.1lakh. Business privilege account: Enjoy the host of privilege with our Business Privilege Account. If you can maintain Rs.5 lakhs average quarterly balance, go for it.
Service Provided By UTI Bank: Anywhere banking Fund transfer facility Free debit card Free online banking Free 24 hours tele baking facility Muliticity cheque book Cash/cheque pick-up service
ICICI BANK:
ICICI Bank offers you a suite of current account products that meet all your banking requirements. ICICI Bank brings four different kinds of current accounts for different businesses. Standard Current Account Institute Of International Business & Research, Pune. 56 types of
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Classic Current Account Premium Current Account Gold Current Account Platinum Current Account ICICI Bank launched Roaming Current Account on 19th sep. 2002. Benefits of Current account: Unlimited withdrawals and deposits. Unlimited chequebook. Demand draft and pay orders. Fund transfers( local or anywhere) Collection of cheques and drafts. Statements, advice, daily statement by e-mail. Cash withdrawals and deposits. Multicity cheque facility. Anywhere banking Cash/cheque pickup facilities. Free phone banking Free mobile banking
RESEARCH METHODOLOGY
Methodology adopted for survey was questionnaire. It was a structural questionnaire. Features of structural are:
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1. Most of the questions are closed ended. 2. Questionnaire was designed keeping the requirement of the company. 3. Questions are to be asked in a logical manner. 4. It is to be simple, direct and unbiased wording.
Research Methodology is the way to systematically solve the research problems. It may be understood as a science studying how research is done scientifically. In this we study various steps that are generally adopted by a researcher in studying his research problems along with the logic behind them. It is necessary for the researcher to know not only the research methods/techniques but also the methodology. Researcher also need to understand the assumptions underlying various techniques and they need to know the criteria by which they can decide that certain techniques and procedure will be applicable to certain problems and other will not. We used in the context of our research study and explain why we are using a particular method or technique and why we are not using others that result are capable of being evaluated either by the researcher himself or others.
REASEARCH PROCESS
Defining research objectives
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Research Planning
Primary Data
Data Collection
Secondary Data
Formulation of questionnaire
Pilot survey
Actual Field work and mailing of Questionnaire
Analysis and interpretation
Finding and suggestions
RESEARCH
Research is a common parlance refers to a search for knowledge. One can also define research as a scientific and systematic search for pertinent information on a specific topic. The meaning of research is a careful investigation or enquiry specially through search for new facts in any branch of knowledge. According to Clifford woody, research comprises defining and redefining problems, formulating hypothesis or suggesting solutions collecting, Institute Of International Business & Research, Pune. 59
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organizing and evaluating data. Making deductions and reaching conclusions and last carefully testing the conclusions to determine whether they fit the formulating hypothesis. OBJECTIVES OF RESEARCH The purpose of research is to discover answers to questions through the application or scientific procedures. The main of research is to find out the truth which is hidden and which has not been discovered as yet. Though researcher study has to its own specific purpose. We may think of that research objective as falling into a number of following broad groups To gain familiarity with the phenomenon or to achieve new insights into it. To portray accurately the characteristic of a particular individual, situation or a group. To determine the frequency with which something occurs or with it is associated with something else. To test a hypothesis of a casual relationship between variables.
RESEARCH DESIGN
A research design is purely and simply the framework of plan from a study that guides the collection and analysis of data. Application and specification are the main characteristics in a research design. Marketing research designs can be classified on the basis of the fundamental objectives of the research. There are mainly two types of research design that are as follows 1. Exploratory Research Design 2. Conclusive Research Design Descriptive Research Design Casual Research Design
DATA COLLECTION METHODS

Data collection method of two types: 1) PRIMARY DATA 2) SECONDARY DATA Institute Of International Business & Research, Pune. 60
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PRIMARY DATA: The primary data are those which are collected as a fresh and for the first time and thus happen to be original in character. The primary data is collected in the process of questionnaire and interviews of the outlets. The various methods of primary data collection are: Observation Method Interview method Questionnaire Method SECONDARY DATA: The secondary data are those which have already been collected by someone else and which have been already been passed through the statistical process. The various sources of secondary data are: Company Records and Information Business Magazines Various publication of the central, state and local government
SAMPLING DESIGN
Sampling is the process of obtaining information about an entire population by examining only a part of it. Sampling is used for a variety of reason as Sampling can save time and money. Sampling may enable more accurate measurements. Sampling remains the way when populations contain infinitely many members. Sampling only remains the only remains the only choice when a test involves the destruction of items under study.
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SAMPLING SIZE 250 CUSTOMERS
SAMPLING METHODS
Sampling methods are divided into two categories: A. ROBABILITY SAMPLING Simple random sample: Every member of the population has a equal chance of selection Stratified Random Sampling: The population is divided into mutually exclusive groups (such as age groups), and random samples are drawn from each group Cluster (area) Sample: The population is divided into mutually exclusive groups (such as city blocks) and the researcher draws a sample of the groups to interview.
B. ON PROBABILITY SAMPLING Convenience Sample: the researcher selects the most accessible population members. Judgement Sample: The researcher selects the population who are good prospects of accurate information. Quota Sample: The researcher finds and interviews a prescribed number of people in each of several categories. In my research probability sampling is used. Again in probability sampling simple random sampling is used. This sampling is stratified system.
DATA INTERPRETATION AND ANALYSIS
Q1. IN PCMC WHICH BANKS IMAGE COMES FIRST TO YOUR MIND THE MOST? Institute Of International Business & Research, Pune. 62
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Name of bank CITI BANK ICICI BANK IDBI BANK UTI BANK HDFC BANK
Positive response(250) 45 85 25 30 65
Awareness (%) 18 34 10 12 26
Positive response
90 80 70 60 50 40 30 20 10 0 CITI BANK ICICI BANK 45 25 IDBI BANK 30 85 65 Positive response(250)
UTI BANK
HDFC BANK
INTERPRETATION: The most recognized bank in the city is ICICI bank followed by ICICI bank, HDFC and CITY bank.
Q2. WITH WHICH BANK ARE YOU PRESENTLY BANKING WITH?
Name of bank CITI BANK
Positive response(250) 20
Awareness (%) 8 63
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ICICI BANK IDBI BANK UTI BANK HDFC BANK TOTAL
85 40 35 70 250
34 16 14 28 100
90 80 70 60 50 40 30 20 10 0 CITI BANK 20 8
85 70
34
40
35 28
Positive response(250) Awareness (%)
16
14
ICICI BANK
IDBI BANK
UTI BANK
HDFC BANK
INTERPRETATION: Out of total respondents, maximum numbers of the respondents were having banking relation ship with ICICI bank 34%,8%of them were banking with CITIBANK,16% were banking with IDBI bank,28% were banking with HDFC, and the rest 14% were banking with UTI bank. Q3. WHAT IS THE REASON FOR GETTING RELATED TO THE ABOVE STATED BANK? Option Advertisement Positive response(250person) 70 Awareness % 28 64
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Friends Advice Product Range Services Offered Convenient
55 30 45 50
22 12 18 20
REASONS FOR BANKING
20%
Advertisement 32% Friends Advice Product Range 16% 14% Services Offered Convenient
18%
INTERPRETATION: In the present day scenario more impact was of advertisement, most of them were attracted due the advertisements 28%,22% were associated taking there friends advice ,18% due to the services offered ,12% due to the product range and the rest 20% were banking due the convenience.
Q4.Which of the following facilities do you prefer the most in HDFC bank?
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Options payable at par cheque book Insta alert Bill pay Any Branch banking others
Positive Response 65 45 40 35 65
% of awareness 26 18 16 14 26
Positive Response 65 45 40 65
70 60 50 40 30 20 10 0
35
Positive Response
payable Insta Bill pay Any others at par alert Branch cheque banking book
INTERPRETATION:Among the HDFC Bank:26 % of the people nave used the payable at -par cheque book. 18 % of the people have used the Insta-alert facility. 16 % of the people have used the Bill pay facility. 14 % of the people have used the any branch banking facility.
Q5. AT THE PRESENT SITUATION WHICH BANK MAKE A GOOD IMPACT IN

THE MARKET?
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Name of bank CITI BANK ICICI BANK IDBI BANK UTI BANK HDFC BANK TOTAL
Positive response(250) 15 80 40 30 85 250
Awareness (%) 6 32 16 12 34
100
Positive response(250)
6% 34% 32%
CITI BANK ICICI BANK IDBI BANK UTI BANK HDFC BANK
12%
16%
INTERPRETATION:In current scenario HDFC bank has given big impact on market. 34% of customers preffer HDFC Bank but 32 % of customers in favour IICI Bank
Q6. RATE OVERALL PERFORMANCE OF HDFC BANK ON THE BASIS OF SERVICE, SCHEMES, FACILITES, BRAND ON THE EXCELLENT, GOOD, SATISFACTORYAND BAD. Institute Of International Business & Research, Pune. 67
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EXCELLENT GOOD SATISFACTORY AVERAGE BELOW AVERAGE
SERVICES 30 65 85 45 25
SCHEMES 20 55 95 60 20
FACILITIES 25 35 75 85 32
BRAND 40 80 60 55 15
100 90
INTERPRETATION: Both Schemes and facilities have satisfactory response. Services and brand have gained good
customer
response for HDFC BANK.
80 70 60
Q7. Grade your bank on the basis of the following parameters. Institute Of International Business & Research, Pune. 68
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Grading: -
Excellent, Good, Satisfactory and Bad. 1. Service --------------2. Schemes --------------3. Facilities ----------------
HDFC BANK:
SERVICE 6 22 38 4 SCHEMES 8 20 39 3 FACILITIES 2 18 46 4
EXCELLENT GOOD SATISFACTORY BAD
50 45 40 35 30 NO OF 25 CUSTOMERS 20 15 10 5 0
EXCELLENT GOOD SATISFACTORY BAD SERVICE SCHEMES FACILITIES
Interpretation:
Most of the HDFC customers feel that its services are satisfactory. Most of the HDFC customers feel that its schemes are satisfactory.
ICICI BANK:Institute Of International Business & Research, Pune. 69
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EXCELLENT GOOD SATISFACTORY BAD
SERVICE 5 40 35 5
SCHEMES 4 45 30 6
FACILITIES 6 28 43 8
45 40 35 30 NO OF 25 CUSTOMERS 20 15 10 5 0
EXCELLENT GOOD SATISFACTORY BAD SERVICE SCHEMES FACILITIES
Interpretation:
Most of the customers are well happy with ICICI bank and rest of the customers are satisfied with ICICI bank. Less number of the customers are unhappy with ICICI .service & schemes good
IDBI BANK:
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SERVICE EXCELLENT 3 GOOD 18 SATISFACTORY 15 BAD 4
SCHEMES 0 24 15 3
FACILITIES 2 13 23 4
25 20 NO OF CUSTOMERS 15 10 5 0 SERVICE SCHEMES FACILITIES EXCELLENT GOOD SATISFACTORY BAD
Interpretation:
Most of the IDBI customers feel that its services,schemes, and facilities are satisfactory . The banks utilize this for better customer satisfaction and retention. . .
FINDINGS:
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During the project the findings based on the data analysis can be summarized as follows:
The most recognized bank in the city is ICICI bank which is followed by HDFC Bank Most of the respondents are presently having banking relationship with ICICI followed by CITI BANK; HDFC Bank. But HDFC Bank has lot to do to catch up the market share. Advertisement in the present day scenario is making greater impact in generating new customers for retail banking products.HDFC Bank has to incur some expenditure on mass communication like radio, hoardings, magazines etc. Most of the HDFC Bank customers are using services of savings a/c and current a/c s but are associated for only period of less than one year as the services launched recently is slowly attracting new customers. Both services and brand have gained good response from the respondents but a lot of improvements can be made to increase the % of services provided in brand awareness. Decrease discrepancy in opening accounts due to which opening of account takes days less documentation. There is less number of ATMs compared to ICICI bank, so the customers have to go a long way for collecting their money. Students are really unhappy, as there is no scheme for zero balance or any student account
CONCLUSION:
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In this scenario of current growth in the Indian Banking Industry, pcmc region too goes through this growth phase due to big IT hub. The competition is fierce. Particularly from local pvt. Banks and also due to the modifications in the GOVT. banks also and are targeting the fluffiest segment of the market. HDFC Bank needs to get geared up; and it needs to expand its retail market by being visually present among the customers. Bank can also build up its strong brand image through good promotions and public relations. As HDFC Bank has good reputation in providing facilities, the bank should keep up its good work of maintaining its relationship management with its existing worthy customers. Bank should also concentrate in rural market of the country. As India has lot of majority of people in rural areas and provide facilities according to their requirements and their purchasing power. HDFC Bank had to face tremendous competition from ICICI and various new entrants like IDBI, UTI, Standard Chartered, HSBC etc. HDFC bank also has ventured into insurance sector after its merger with Standard Life Insurance Company Ltd., Europe. HDFC Bank by adopting necessary changes as and when required by the changing environment had managed to counteract competition successfully. Hence managing to retain its prominent position in the market.
RECOMMENDATION
This project work revealed strong points in their style of functioning and policies after a thorough investigation & research, the study suggests the following points that Institute Of International Business & Research, Pune. 73
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would improve and help the Bank to overcome some of its shortcomings and enhance their sales growth in PCMC region. After analyzing the findings from our sample, the first and foremost thing that we would like to suggest to reduce the cost of the products. As the people showed positive sentiments towards having an HDFC bank saving account. HDFC should try to respect this sentiments and introduce new instruments and sets in the market with the quality performance so that it becomes the benchmark for future Products. Bank should like to reduce the formalities and paper work to speed up the process. Aggressive marketing is required to face the competition with the other banks. Advertising & campaigning is the best way to increase the awareness level of the people the product of the bank. Customer services should be made prompt through direct calls. Response time for issue of cheque book takes long time (in time is 5 days for normal and speed processing 2 days) hence facility for local cheques may be looked upon. Automatic teller machine (ATM) should be located nearby public place & bank needs to increase number of ATMs. In case of issues of debit-card it takes 14 working days but customers would want them earlier so at least it should be done within 7 days. Timing of working hours should be increase like from Monday to Friday it should be 9:30 a.m. to 5:30 p.m. and for Saturday by 3:30 p.m. to provide better facility to the customers. HDFC Bank does not provide phone at the ATM centre but its closest competitior ICICI bank does provide this facility at their ATM centres. Like ICICI and UTI, HDFC Bank should also offer student account at a minimum balance of Rs. 500, so as to attract prospective customers for the future.
LIMITATIONS:
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It takes almost two-three months to convince the companies of any particular product. But in the same time-period we are not only spreading the awareness in the target market but also promoting our products. Therefore time is a major constraint that we are facing. The promotional campaign is targeted to the small corporate offices having more than 10 employees. This limits us to visit the medium and large offices. The project period that was just for 60 days, so it is summary of all saving and current account holders, but actually all customers are not considered. The researchers have followed stratified and only those customers were visited for coming under these sampling techniques. Many customers have given biased information, which create the problem in understanding the real condition of service of the HDFC bank Ltd .in Pune. Many times there are sudden changes in external environment that create problem in position of the bank. Many times it happens that bad experience of any product service has directly affected to this research i.e. if a customers has any bad experience with account facility provided by the bank which helps the customer to have direct impact on his opinion. The time availability for the study is less and such hinders the progress of the study. The data has been collected on the basis of sampling method so this is the main limitation of the study.
BIBLIOGRAPHY:
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www.hdfcbank.com www.google.co.in www.hindubusinessline.com www.wikepedia.org Marketing Management: - Philip Kotler, K. Ramaswamy (12 edition)
ANNEXURE
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NAME: .. AGE:. SEX - M F
ADDRESS..... . OCCUPATION: CONTACT NO: EMAIL ID: ...

Q1.IN PUNE WHICH BANKS IMAGE COMES FIRST TO YOUR MIND THE MOST? . CITI BANK ICICI BANK IDBI BANK UTI BANK HDFC BANK
Q.2. WHICH BANK ARE YOU PRESENTLY BANKING WITH? CITI BANK ICICI IDBI BANK UTI BANK HDFC BANK
Q.3 WHAT IS THE REASON FOR GETTING RELATED TO THE ABOVE STATED BANK?
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ADVERTISEMENTS FRIENDS ADVICE PRODUCT RANGE SERVICES OFFERED CONVENIENCY Q4.FOR WHICH OF THE FOLLOWING FACILITIES DO YOU PREFER THE MOST IN HDFC BANK? AT PAR CHQUE BOOK INSTA ALRET ANY BRANCH BANKING BILL PAY OTHERS Q5AT THE PRESENT SITUATION WHICH BANK MAKE A GOOD IMPACT IN THE MARKET? CITI BANK ICICI BANK IDBI BANK UTI BANK HDFC BANK
Q6.Which of the following facilities do you prefer the most in HDFC bank?
AT PAR CHQUE BOOK INSTA ALRET ANY BRANCH BANKING BILL PAY OTHERS
Q7.
RATE OVERALL PERFORMANCE OF HDFC BANK ON THE BASIS OF SERVICE, SCHEMES, FACILITES, BRAND AS EXCELLENT, GOOD, SATISFACTORY OR BAD. Institute Of International Business & Research, Pune. 78
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1. SERVICE EXCELLENT GOOD SATISFACTORY BAD 2. SCHEMES EXCELLENT GOOD SATISFACTORY BAD 3. FACILITIES EXCELLENT GOOD SATISFACTORY BAD 4. BRAND EXCELLENT GOOD SATISFACTORY BAD
Daily Report Format

Date: Institute Of International Business & Research, Pune. 79
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Day:
CUSTOMER NO NAME
CONTACT NO
AREA
CALL TYPE
PROSPECT
REMARKS (FOLLOW UP DATE)
This is how a typical daily report format looks like
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SL NO 17th feb 1 2 3 4 5
CUSTOMERS NAME
Hemant Kulkarni Ram Chaudhry Baburam Garg Sanjay Patil
AREA
DESIGIN
PRODUCT KNOW
CONTACT NO
CALL TYPE
CHINCHWAD CHAPEKAR CHOWK CHIKHLI PAVNA, BHONSHRI MORYA , BHONSHRI AKUDI LONAVALA DAPODI PCMC, SECTOR-10 F-BLOCK, BHONSHRI
BUSINESS MAN ELECTRICAL SHOP BUSINESS MAN BUSINESS MAN BUSINESS MAN BUSINESS MAN CHICKY SHOP ELECTRONICS SHOP BUSINESS MAN BUSINESS MAN
REGULAR A/C TRADE A/C C.C.ACCOUNT PLUS A/C TRADE A/C PREMIUM A/C TRADE A/C TRADE A/C PLUS A/C TRADE A/C
9822451987 020-27452153
COLD CALLING COLD CALLING COLD CALLING COLD CALLING COLD CALLING COLD CALLING COLD CALLING COLD CALLING COLD CALLING COLD CALLING
9822034572 020-27126889
Thomas Jagale
9850834650
6 7 8 9 10
Rajesh Mushande Mr. Tahir Prakash Arya A. K. Murli Manoj Jain
9960593101 020-273345 9270942850 9890022987 020-2747538
81

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1 IIBR PUNE

WE UNDERSTAND YOUR WORLD

Analysis & Interpretation of the Information.

Institute Of International Business & Research, Pune.

Institute Of International Business & Research, Pune.

Institute Of International Business & Research, Pune.

Institute Of International Business & Research, Pune.

Institute Of International Business & Research, Pune.

Institute Of International Business & Research, Pune.

Senior Management Team

Institute Of International Business & Research, Pune.

Institute Of International Business & Research, Pune.

Profit & Loss Account: Year ended March 31, 2008

Balance Sheet: As of March 31, 2008

Capital Infusion & Capital Adequacy:

Merger with Centurion Bank of Punjab Limited

TIMEES BANK AMALGAMATION;

Awards and Achievements - Banking Services

Best Bank Award in the Private Sector category

Institute Of International Business & Research, Pune.

Best Bank Award in the Private sector category.

segments. Euromoney Awards "Best Bank" in India.

"Best Bank in India" for the third consecutive year in 2005.

"Most Customer Responsive Company - Banking and Financial Services - 2005

NASSCOM & Best IT User in Banking -2003 economictimes.com - IT Users Awards

There have been some other proud moments as well:

Institute Of International Business & Research, Pune.

CURRENT REGULAR ACCOUNT CURRENT PREMIUM ACCOUNT CURRENT TRADE ACCOUNT

Institute Of International Business & Research, Pune.

CURRENT PLUS ACCOUNT

CURRENT ACCOUNT AT HDFC BANK:-

9. Others Govt. and semi Govt. bodies, local authorities etc.

Regular Current Account:-

Mode of calculation of minimum average quarterly balance

Free Free Rs. 100/- per transaction Free

Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup)

Rs.2.00 per Rs.1000/- Minimum Rs.50/-

Institute Of International Business & Research, Pune.

Cash Pickup beyond Rs 2 Lac and upto Rs 3 Lac

Rs 300/- per pickup

No Charge Rs.100/No Charge Activation of Dormant/inoperative account Rs.100/-

Premium current Account:-

Institute Of International Business & Research, Pune.

Rs. 100/- per transaction Free

Due to Insufficient Funds

Rs.300/- per Instrument

Institute Of International Business & Research, Pune.

Maximum Rs.25,000/- per day. Charges @ Rs. 3/1000, min Rs. 50

Institute Of International Business & Research, Pune.

Trade Current Account

Institute Of International Business & Research, Pune.

Institute Of International Business & Research, Pune.

Institute Of International Business & Research, Pune.

available on IVR ECS (Debit) Return Charges Rs 200 (plus taxes)

Plus Current Account

Institute Of International Business & Research, Pune.

Cheque Book Charges (Issued by Bank)

Mode of calculation of minimum average quarterly balance

Institute Of International Business & Research, Pune.

Cash Deposit-Home Branch Location

Institute Of International Business & Research, Pune.

Documents required for different types of account holders:-

Institute Of International Business & Research, Pune.