A

Summer Training Project Report

On
CUSTOMER AWARENESS REGARDING
VARIOUS DEPOSIT SCHEMES
Undergone at
In Partial Fulfillment f t!e Re"uirement# f t!e
De$ree f
MASTER OF BUSINESS ADMINISTRATION
SESSION %&&'(%&&)
SU*MITTED TO
Mrs. Priyanka Gupta
Un+er Gui+an,e f- SU*MITTED *.
Mr/ Ni0un 1umar Varun 1alia
2Sale# Mana$er3 M*A(4
r+
Sem
Rll N- &'%56'&&64

Shree Ganpati Institute of Technology,
Ghaziabad
!ffiliated to U"P"T"U" #uc$no%&
5
DECLARTION
I !ere78 ,ertif8 t!at t!e 9r: em7+ie+ in t!e 0r;e,t Customer
aareness re!ar"in! #arious "eposit s$%emes& 9a# +ne 78 me un+er t!e
a7le #u0er<i#in f Mr. Nipun 'umar (Sa)es Mana!er*+ ,DFC -ank
.nr.
T!i# 0r;e,t i# +ne fr t!e 0artial fulfillment f De$ree f Master o/
Business A"ministration 0r$ram f Uttar Pra+e#! Te,!ni,al Uni<er#it8=
>u,:n9 frm S!ree Gan0ati In#titute f Te,!nl$8= G!a?ia7a+/ I !a<e nt
#u7mitte+ t!i# re0rt t an8 t!er in#titute r Uni<er#it8/
Varun 1alia

%
ACKNOWLEDGEMENT
M8 #in,ere t!an:# are +ue t all t!e ,ntri7utr# 9it!ut 9!#e effrt# t!i#
0r;e,t 9ul+ nt !a<e 7een ,m0lete+/ N ta#: f t!i# nature i# a #in$le
0er#n effrt= # I am <er8 t!an:ful t Mr. Nipun 'umar (Sa)es Mana!er*
,DFC BAN'+ .NR fr 0r<i+in$ me t!e 00rtunit8 t un+er$ m8
#ummer intern#!i0 in t!eir *ran,!/
I 9e m8 7i$ t!an: t Mr.San"eep B%atia (Team 0ea"er* Mr.kama)
k%etarpa) (Persona) Banker* an" Mr.1i#ek A!!ara) (Persona)
Banker* Un+er 9!#e $ui+an,e I #u,,e##full8 ,m0lete+ m8 Summer
Trainin$ Pr;e,t/ T!eir unfailin$ intere#t an+ #u00rt $a<e a ne9 +imen#in
t m8 9r:/ T!e8 ma+e it 0##i7le t ,lle,t a7un+an,e f material= t!e
rele<ant 0rtin f 9!i,! i# "ute+ in t!i# 0r;e,t

I al# e@0re## m8 $ratitu+e t t!e all re#0n+ent# fr t!eir 0r0er re#0n#e#
an+ ,0eratin +urin$ m8 Summer Trainin$ 0r;e,t
I 9ul+ li:e t e@ten+ m8 t!an:# t m8 all frien+# fr t!eir <alua7le
#u$$e#tin an+ ,0eratin at <ariu# #ta$e# +urin$ m8 0r;e,t/
1arun 'a)ia
4
PREFACE
M*A Stu+ent# f U/P/T/U/ are re"uire+ t un+er$ #ummer 0r;e,t
0ra,ti,al trainin$ a# an inte$ral 0art f ,urri,ulum /t a,,m0li#! t!i#
0r;e,t a# ,u#tmer a9arene## re$ar+in$ <ariu# 0r+u,t# ffere+ 78 HDFC
*AN1 t!ere i# nee+ t 7e,me familiar 9it! t!e 0r;e,t/
It ,an 7e 0##i7le t!ru$! t!ereti,al in0ut# a# 9ell a# 0ra,ti,al e@0#ure in
9!i,! m8 0ra,ti,al :n9le+$e i# !el0ful a,"uire+ at t!e ,lle$e a# 9ell a#
0ra,ti,in$ t!#e ,n,e0t# in 7an:/
I !a<e al# +ne a #ur<e8 frm <ariu# re#0n+ent# t :n9 t!ere <ie9#
a7ut 7an: 0r;e,t#/ *8 9!i,! ,lle,te+ infrmatin 9ill 7e !el0ful t #l<e
"uerie# a# 9ell a# t 0re+i,t 7an: ima$e in future/
A
INDEX
INTRODUCTION TO HDFC *AN1
INTRODUCTION %
*OARD OF DIRECTORS B
HIGH >IGHTS 5&
INNOVATIVE SERVICES 54
HDFC PRODUCT RANGE %A
O*CECTIVES OF THE STUD. 6%
RESEARCH METHODO>OG. 64
ANA>.SIS AND INTER PRETATIONS 6D
FINDINGS DB
>IMITATIONS D)
CONC>USION '&
SUGGESTIONS '5
*I*>IOGRAPH. '%
EUESTIONNAIRE '4
6
D
HDFC BANK
WE UNDERSTAND YOUR WORLD
We Un+er#tan+ .ur Wrl+
'
COMPAN. PROFI0E
INTRODUCTION
HDFC Bank Limited, India
HDFC 7an: 9a# in,r0rate+ in au$u#t 5))A in t!a name f HDFC 7an:
limite+ 9it! it# re$i#tere+ ffi,e in Mum7ai= In+ia/ T!e 7an: ,mmen,e+
0eratin# a# a #,!e+ule+ Cmmer,ial 7an:# in Canuara8 5))6/
T!e Hu#in$ De<el0ment Finan,e Cr0ratin >imite+ 9a# amn$ t!e
fir#t t9 re,ei<e an+ in 0rin,i0al a00r<al frm t!e R*I t #et u0 a 7an: in
t!e 0ri<ate #e,tr a# a 0art f t8e R*I li7erali?atin f t!e In+ian 7an:in$
in+u#trie# in 5))A/
Hea+"uarter in Mum7ai= HDFC 7an: !a# a net9r: f <er 645 7ran,!e#
#0rea+ <er %%& ,itie# a,r## In+ia/ All 7ran,!e# are lin:e+ n an nline real
time 7a#i#/ Cu#tmer# in <er 5%& l,atin# are #er<i,e+ t!ru$! tele0!ne
7an:in$/ Te 7an: al# a;a# a net9r: a7ut 5&6A net9r:# ATM# a,r## t!e
,itie#/ HDFCF# 7an: ATM net9r: ,an 7e a,,e##e+ frm all +me#ti, an+
Internatinal Vi#a# G Ma#ter ,ar+ = Vi#a ele,trl GMae#tr = Plu#G Cirru# an+
Ameri,an E@0re## ,re+itG ,!ar$e ,ar+ !l+er#/ T!e !u#in$ +e<el0ment
,r0ratin# limite+ HDFC 9a# amn$#t t!e fir#t t re,ei<e an In
Prin,i0le a00r<al frm t!e R*I t #et u0 a 7an: in t!e 0ri<ate #e,tr a#
0art f t!e R*I li7erali?atin f t!e In+ian *an:in$ in+u#tr8 in 5))A/T!e
7an: 9a# in,r0rate+ in Au$u#t 5))A in t!e name f HDFC 7an: limite+
9it! it# re$i#tere+ ffi,e in Mum7ai= In+ia/ HDFC *an: ,mmen,e+
0eratin# a# a S,!e+ule+ Cmmer,ial 7an:# in Canuar8 5))6/
PROMOTER /
HDFCF# i# In+iaF# 0remier !u#in$ Finan,e ,m0an8 an+ en;8# an
Im0e,,a7le tra,: re,r+ In In+ia a# 9ell a# in internatinal mar:et#/ Sin,e it#
in,e0tin in 5)''= T!e ,r0ratin !a# maintaine+ a ,n#i#tent an+ !ealt!8
$r9t! n it# 0eratin# t remain t!e mar:et lea+er in mrt$a$e#/ It#
ut#tan+in$ lan 0rtfli ,<er# 9ell <er a millin +9ellin$ unit#/HDFC
B
!a# +e<el0e+ a #i$nifi,ant e@0erti#e in real mrt$a$e lan+ t +ifferent
mar:et# #e$ment# an+ al# !a# a lar$e ,r0rate ,lient 7a#e fr it# !u#in$
relate+ ,re+it fa,ilitie#/ Wit! It# e@0erti#e in t!e finan,ial mar:et#= a #trn$
mar:et re0utatin lar$e #!are!l+er 7a#e an+ uni"ue ,n#umer fran,!i#e
HDFC 9a# i+eall8 0#itine+ t 0rmte a 7an: in t!e In+ian en<irnment/

SUBSIDIARIES
In term# f t!e a00r<al $rante+ 78 t!e G<ernment f In+ia= t!e 0r<i#in#
,ntaine+ un+er Se,tin %5%253 f t!e Cm0anie# A,t= 5)6D #!all nt a00l8
in re#0e,t f t!e *an:F# #u7#i+iarie# namel8= HDFC Se,uritie# >imite+
2HS>3 an+ HD* Finan,ial Ser<i,e# >imite+ 2HD*FS>3/
BUSINESS FOCUS
HDFC 7an:# mi##in i# t 7e a 9rl+ ,la## In+ian 7an:/ T!e 7e;e,ti<e i# t
7uilt #un+ ,u#tmer fran,!i#e# a,,r# +i#tin,t 7u#ine##e# # a# t 7e t!e
0referre+ 0r<i+er f 7an:in$ #er<i,e# fr tar$et 9!le#ale ,u#tmer
#e$ment# an+ t a,!ie<e !ealt!8 $r9t! in 0rfita7ilit8= ,n#i#tent 9it! t!e
7an:# ri#: a00etite/ T!e 7an: i# ,mmite+ t maintain t!e !i$!e#t le<el f
et!i,al #tan+ar+#= 0rfe##inal Inte$rit8= ,r0rate $<ernan,e an+
re$ulatr8 ,m0lian,e/ HDFC 7an:# 7u#ine## 0!il#0!8 i# 7a#e+ n fur
,re <alue#( 0eratinal e@,ellen,e= Cu#tmer f,u#= 0r+u,t lea+er#!i0 an+
Pe0le/
CAPITA0 STRUCTURE
T!e Aut!ri?e+ ,a0ital f HDFC 7an: i# RS A6& ,rre#2A/6 *illin3/ T!e
0ai+ u0 ,a0ital i# R# 455) ,rre#/24/5 7illin3/ T!e HDFC $ru0 !l+# %5/%
H f t!e 7an:# e"uit8 an+ a7ut 5)/AH f t!e e"uit8 i# !el+ 78 t!e ADS
+e0#itr8 2In re#0e,t f t!e 7an:# Ameri,an +e0#itr8 #!are# 2ADS
i##ue33/Ru$!l8 45/4H f t!e e"uit8 i# !el+ 78 frei$n in#titutinal In<e#tr#
an+ t!e 7an: !a# a7ut 5)&&&& #!are !l+er#/ T!e #!are# are li#te+ n t!e
#t,: E@,!an$e = Mum7ai an+ t!e Natinal St,: E@,!an$e /T!e 7an:#
)
Ameri,an De0#itr8 S!are# are li#te+ n t!e Ne9 .r: St,: E@,!an$e
un+er t!e #8m7l HD*/
TIMES BAN' AMA0GAMATION.
In a mile#tne tran#a,tin in t!e In+ian *an:in$ In+u#tr8= Time# *an:
>imite+ 2ant!er ne9 0ri<ate #e,tr 7an: 0rmte+ 78 *ennett = Cleman
an+ ,r0ratinG Time# $ru03 9a# mer$e+ 9it! HDFC 7an: >t+ effe,ti<e
Fe7 %D= %&&&/ A# 0er t!e #,!eme f Amal$amatin a00r<e+ 78 t!e #!are
!l+er# f 7t! t!e 7an:# an+ t!e Re#er<e *an: f In+ia= #!are !l+er# f
Time# *an: re,ei<e+ 5 #!are f HDFC 7an: fr e<er8 6/'6 #!are# Time#
*an:/ T!e a,"ui#itin a++e+ a #i$nifi,ant <alue t HDFC 7an: in t!e term#
f in,rea#e+ 7ran,! net9r:= e@0an+e+ $e$ra0!i, rea,!= en!an,e+
,u#tmer 7a#e= #:ille+ man 09er an+ t!e 00rtunit8 t ,r## #ell an+
le<era$e alternati<e +eli<er8 ,!annel#/

DISTRIBUTION NET2OR'S.
HDFC 7an: i# !ea+"uarter+ in Mum7ai/ T!e 7an: at 0re#ent !a# an en<ia7le
4net9r: f <er DBA 7ran,!e# #0rea+ <er 45D ,itie# a,r## In+ia/ All
7ran,!e# are lin:e+ n an nline real time 7a#i# / Cu#tmer# in <er 5%&
l,atin# are al# #er<i,e+ t!ru$! Tele0!ne 7an:in$/ T!e 7an:# e@0an#in
0lan# ta:e int a,,unt t!e nee+ t !a<e a 0re#en,e in all ma;r in+u#trial
an+ ,mmer,ial ,entre# 9!ere it# ,r0rate ,u#tmer# are l,ate+ a# 9ell a#
t!e nee+ t 7uil+ a #trn$ retail ,u#tmer 7a#e fr 7t! +e0#it# an+ lan
0r+u,t#/ *ein$ a ,learin$G #ettlement *an: t <ariu# lea+in$ #t,:
e@,!an$e#= T!e 7an: !a# 7ran,!e# in t!e ,enter# 9!ere t!e NSEG*SE !a# a
#trn$ an+ a,ti<e num7er 7a#e/
T!e 7an: al# !a# a net9r: f <er 5D)6 net9r:e+ ATMF# a,r## t!e#e
,itie#/ Mre<er all +me#ti, an+ internatinal VISAS GMa#ter ,ar+= Vi#a
ele,trnG Mae#tr= Plu#G Cirru# an+ Ameri,an E@0re## ,re+it G C!ar$e ,ar+
!l+er# ,an a,,e## HDFC 7an:# ATM net9r:/
3
TECHNOLOGY
5&
HDFC *an: 0erate# in a !i$!l8 autmate+ en<irnment in term# f
infrmatin te,!nl$8 an+ ,mmuni,atin #8#tem#/ All t!e 7an:# 7ran,!e#
!a<e nline ,nne,ti<it8= 9!i,! ena7le# t!e 7an: t ffer #0ee+8 fun+#
tran#fer fa,ilit8 t it ,u#tmer#/ Multi7ran,! a,,e## i# al# 0r<i+e+ t it#
retail ,u#tmer# t!ru$! t!e 7ran,! net9r: an+ Autmate+ Teller Ma,!ine
2ATM#3/
T!e 7an: !a# ma+e #u7#tantial effrt# an+ in<e#tment# in a,"uirin$ t!e 7e#t
te,!nl$8 a<aila7le internatinall8= t 7uil+ t!e infra#tru,ture fr a 9rl+
,la## 7an:/ In term# f #ft9are t!e ,r0rate 7an:in$ 7u#ine## #u00rte+ 78
Fle@,u7e = 9!ile t!e retail 7an:in$ 7u#ine## 78 Fin9are= 7t! frm i( fle@
#lutin# lt+/ T!i# #8#tem# are 0ene+= #,alea7le an+ 9e7 ena7le+ /
T!e 7an: !a# 0ririti?e+ it# en$a$ement in te,!nl$8 an+ t!e internet a#
ne f it# :e8 $al# an+ !a# alrea+8 ma+e #i$nifi,ant 0r$re## in 9e7
ena7lin$ it# ,re 7u#ine##e#/ In ea,! f it# 7u#ine##e# t!e 7an: !a# #u,,ee+
in le<era$in$ it# mar:et 0#itin= e@0erti#e an+ te,!nl$8 t ,reate a
,m0etiti<e a+<anta$e an+ 7uil+ mar:et #!are/
MANAGEMENT
Mr/ Ca$+i#! 1a0r t: <er a# t!e 7an: ,!airman in Cul8 %&&5/ Prir t
t!i#= Mr/ 1a0r 9a# a De0ut8 G<ernr t!e Re#er<e *an: f In+ia
T!e Mana$in$ Dire,tr= Mr/ A+it8a Puri !a# 7een a 0rfe##inal 7an:er fr
<er %6 8ear# an+ 7efre ;inin$ HDFC 7an: in 5))A 9ere !ea+in$#
Citi7an: 0eratin# in Mala8#ia
T!e 7an:# 7ar+ f +ire,tr# i# ,m0#e+ f eminent in+i<i+ual# 9it! a
9ealt! f e@0erien,e in 0u7li, 0li,8= a+mini#tratin= in+u#tr8 an+
,mmer,ial 7an:in$/ Senir e@e,uti<e re0re#entin$ HDFC are al# n t!e
7ar+/
55
AWARD AND RECOGNITION !FOR .EAR 344563447 "
T%e Asian -anker a$%ie#ement aar"8
MD =Mr/ A+it8a Puri =9n t!e A#ian 7an:er lea+er#!i0 a,!ie<ement
a9ar+ fr In+ia in %&&'
G)o-a) ,R e9$e))en$e aar"s8
A9ar+ fr in#titutin 7uil+in$ an+ m#t inn<ati<e HR 0ra,ti,e#
a9ar+ in %&&'
Business to"ay aar"8
*e#t 7an: in In+ia in %&&D
Business or)" aar"8
*e#t li#te+ 7an: in In+ia in%&&D/
Euro money aar"s8
*e#t 7an: in In+ia in %&&D
For-es ma!a:ine aar"
One f t!e A#ia 0a,ifi,F# 7e#t ,m0anie# in %&&D/
T%e asset ma!a:ines trip)e A $ountry aar"s8
*e#t +me#ti, 7an: in In+ia in %&&D
5%
Asia money aar"8
*e#t l,al ,a#! mana$ement 7an: in lar$e an+ me+ium #e$ment# in
%&&D/

54
BOARD OF DIRECTOR
Mr/ Ca$+i#! 1a0r C!airman
Mr/ A+it8a Puri Mana$in$ +ire,tr
Mr/ 1e:i M/ Mi#tr8
Mr#/ A#!im Samanta
Mr/Vineet Cain
Mr#/ Renu 1arna+
Mr/Ar<in+ Pan+e
Mr/C/M Va#u+e<
Mr/ Gautam Di<an
Dr/ Pan+it 0alan+e
1i$e presi"ent an" $ompany se$retary
Mr/ San;a8 Dn$ra
5A
Au"itor
MGS Hari7!a:ti I C/
2C!artere+ A,,untant3
Re!istere" o//i$e
HDFC *an: !u#e
Sena0ati *a0at mar$
>9er Parel 2Mum7aiA&&&543
Tel n- 6D6%5&&&
Fa@ n/ %A)D&'4)
We7 J#ite- 999/!+f,7an:/,m
56
HIGH LIGHT
BRANC,ES
.EAR BRANC,ES
%&&D AD'
%&&' 646
%&&B DBA
0
500
1000
1500
2000
2500
1 2 3
year
b
r
a
n
c
h
e
s
year
branches
ATM#
5D
.EAR NO;S
%&&D 55A'
%&&' 54%4
%&&B 5D&6
0
500
1000
1500
2000
2500
1 2 3
year
A
T
M
S
year
ATMS
5'
CITIES
.EAR NO;S
%&&D %55
%&&' %%B
%&&B 45D
0
500
1000
1500
2000
2500
1 2 3
year
c
i
t
i
e
s
year
cities
5B

INNO$ATI$E ER$ICE
NETBAN'ING8
Net *an:in$ i# HDFC *an:K# Internet *an:in$ #er<i,e/ Pr<i+in$ u0(t(t!e(
#e,n+ a,,unt infrmatin= Net *an:in$ let# 8u mana$e 8ur a,,unt
frm t!e ,mfrt f 8ur mu#e ( an8time= an89!ere
ATM 3< ,OUR BAN'ING8
3<6%our a$$ess to $as% ( Wit!+ra9 u0 t R#/5&= &&&G( 0er +a8 n
8ur ATM Car+ an+ u0 t R#/ 56=&&& n 8ur De7it Car+/ T!e fa#t
,a#! 0tin #a<e# 8ur time 78 0r<i+in$ t!e ,a#! in +enminatin
f R#/6&&G(/
1ie A$$ount Ba)an$es = Mini6statements ( Get +etail# f t!e
la#t ) tran#a,tin# n 8ur a,,unt 9it! t!e mini(#tatement= aln$
9it! 8ur 7alan,e/
Or"er a C%e>ue Book ? A$$ount Statement
Trans/er Fun"s -eteen a$$ounts ( .u ,an al# tran#fer mne8
frm ne f 8ur a,,unt# t ant!er/ *t! a,,unt# mu#t 7e
lin:e+ t 8ur ATM Car+ an+ Cu#tmer ID/ A ma@imum f 6
#a<in$ an+ 6 Current A,,unt# ,an 7e lin:e+/
C%an!e your PIN ( .u ,an ,n<enientl8 ,!an$e 8ur PIN 2$i<en
at t!e time f 0enin$ 8ur a,,unt3 9!ene<er 8u 9i#!.
5)
Deposit $as% or $%e>ues ( .u ,an +e0#it ,a#! r ,!e"ue# int
8ur a,,unt an+ t!e ATM 9ill imme+iatel8 0rint a re,ei0t fr t!e
#ame/
0earn a-out a)) our ot%er pro"u$ts ( Sim0l8 #ele,t a 0r+u,t an+
all t!e infrmatin 8u re"uire 9ill 7e +i#0la8e+ n t!e #,reen/
%&
INSTA A0ERT8
.u ,an $et re$ular u0+ate# n 8ur 7an: a,,unt# n 8ur m7ile
0!ne r e(mail i+/ Wit! in#ta alert fa,ilit8 n an8 r all f t!e
fll9in$ alert#-
De7it tran#a,tin# $reater t!an R#/ 6=&&&G R#/5&= &&&G R#/ %&=&&&GR#/
6&=&&&
Cre+it in a,,unt $reater t!an R#/ 6=&&&G R#/5&= &&&G R#/ %&=&&&GR#/
6&=&&&
A,,unt *alan,e 7el9 R#/ 6=&&&G R#/5&= &&&G R#/ %&=&&&GR#/ 6&=&&&
Wee:l8 a,,unt 7alan,e
Salar8 Cre+it#L
%5
MOBI0E BAN'ING8
H+f,F# M7ile *an:in$ #er<i,e 0r<i+e# a !#t f feature# at 8ur fin$er(
ti0# t!ru$! SMS-
Get 8ur 7alan,e +etail#
O7tain 8ur la#t 4 tran#a,tin +etail#
Re"ue#t a ,!e"ue 7:
St0 a ,!e"ue 0a8ment
En"uire ,!e"ue #tatu#
Re"ue#t an a,,unt #tatement
Get Fi@e+ De0#it +etail#
Pa8 8ur 7ill#L
,o "oes it ork@
M7ile *an:in$ 9r:# t!ru$! a #et f te@t me##a$e# 2SMS3/
All 8u nee+ t + i# t t80e in t!e #0e,ifie+ ,+e fr t!e tran#a,tin
a# a te@t me##a$e an+ #en+ it t D'D'5%/
.u 9ill re,ei<e t!e re#0n#e in t!e frm f a te@t me##a$e n 8ur
m7ile 0!ne #,reen 9it!in a fe9 #e,n+#/
%%
P,ONE BAN'ING8
W!en 8u +ial in t P!ne *an:in$= a <i,e 0rm0t 9ill $ui+e 8u t!ru$!
t!e <ariu# tran#a,tin#/ .u ma8 al# tal: t a P!ne *an:er= 9! 9ill
0r<i+e 8u 9it! t!e re"uire+ a##i#tan,e/
Feature# an+ 7enefit#-
C%e$k your a$$ount -a)an$e 6 Get u0(t(t!e(#e,n+ +etail# f 8ur
Sa<in$# r Current A,,unt# an+ 8ur Fi@e+ De0#it#/ .u ,an al#
$et t!e +etail# f t!e la#t 6 tran#a,tin# n 8ur a,,unt= r !a<e a
mini #tatement f la#t ) tran#a,tin# fa@e+ a,r## t 8u/
En>uire on t%e $%e>ue status 6 .u ,an u#e P!ne *an:in$ t ,!e,:
n t!e #tatu# f ,!e"ue# i##ue+ r +e0#ite+ frm an89!ere in In+ia/
Or"er a C%e>ue Book ? A$$ount Statement 6 Cu#t ,all P!ne
*an:in$ an+ $et 8ur C!e"ue *: r late#t A,,unt Statement
+eli<ere+ at 8ur +r#te0/
Stop Payment 6 St0 0a8ment f a #in$le ,!e"ue r a #erie# f
,!e"ue#= %A !ur# a +a8/
0oan Re)ate" >ueries 6 Get +etail# f t!e ut#tan+in$ lan amunt=
en"uire a7ut 8ur lan a,,unt= re"ue#t fr an intere#t ,ertifi,ate an+
re0a8ment #,!e+ule= et,/ Cu#t ,all P!ne *an:in$ in 8ur ,it8 an+ +ial
A t #0ea: t ur P!ne *an:er
Open a Fi9e" "eposit or En>uire on your Fi9e" "eposits ? TDSAB 6
Tal: t ur P!ne *an:er t ea#il8 0en a Fi@e+ De0#it <er t!e
0!ne= 78 #im0l8 aut!ri?in$ a tran#fer f fun+# frm 8ur Sa<in$#
A,,unt/
%4
Trans/er Fun"s -eteen a$$ountsAB 6 .u ,an al# tran#fer mne8
frm ne f 8ur a,,unt# t ant!er/ *t! a,,unt# mu#t 7e lin:e+ t
8ur Cu#tmer ID/ .u ,an tran#fer amunt# u0t R# 5 >a, in a #in$le
+a8/
Pay your -i))s 6 Pa8 8ur ,ellular= tele0!ne= ele,tri,it8 an+ HDFC
*an: Cre+it Car+ 7ill# t!ru$! P!ne *an:in$ u#in$ *ill Pa8= a
,m0re!en#i<e 7ill 0a8ment# #lutin
Report )oss o/ your ATM ? De-it Car" ? Fore9P)us Car" 6 If 8ur
ATM G De7it G Fre@Plu# Car+ i# l#t= ,all an8 P!ne *an:in$ num7er
t +ea,ti<ate 8ur ,ar+2#3/
0earn a-out a)) our ot%er pro"u$ts 6 Get +etail# n HDFC *an:
0r+u,t# I #er<i,e# 78 tal:in$ t ur P!ne *an:er/
En>uire a-out )atest Interest ? E9$%an!e rates 6 Get late#t Intere#t
rate# n De0#it# an+ Frei$n E@,!an$e rate# 78 tal:in$ t ur P!ne
*an:er/
Re>uest a Deman" Dra/t ? Mana!erCs C%e>ue BAA 6 Call P!ne
*an:in$ an+ $et a Deman+ Draft G Mana$erK# C!e"ue +eli<ere+ t
8ur +r#te0/
BI00 PA. 8
N9= 8u !a<e t!e lu@ur8 f 0a8in$ 8ur tele0!ne= ele,tri,it8 an+ m7ile
0!ne 7ill# at 8ur ,n<enien,e t!ru$! t!e Internet= ATM#= 8ur m7ile
0!ne r tele0!ne ( u#in$ *ill Pa8= a ,m0re!en#i<e 7ill 0a8ment# #lutin/
.u ,an ,!e,: t!e 7ill amunt 7efre 8u ma:e an8 0a8ment# en#urin$ 8u
al9a8# 0a8 t!e ri$!t amunt/ *ill Pa8 !a# ma+e all 8ur 7ill 0a8ment# ea#8/
%A
Features8
Con#enien$e at its -est ( N "ueuin$ u0 at ,lle,tin ,entre# r
9ritin$ ,!e"ue# an8 mreM
A #ariety o/ payment mo"es a#ai)a-)e ( ATM#= Net *an:in$= an+
M7ile *an:in$
Pa8ment# ,an 7e ma+e ri$!t u0 t t!e +ue +ate/
C!e,: 8ur 7ill amunt 7efre 8u ma:e an8 0a8ment# ( en#urin$ 8u
0a8 t!e e@a,t amunt 8u 9i#! t/
Re,ei<e +i#,unt frm #0e,ifi, 7iller# n 0a8ment# ma+e t!ru$! *ill
Pa8/ Di#,unt# 9ill 7e 0r<i+e+ in t!e ne@t mnt!K# 7ill#/
SAFE DEPOSIT 0OC'ERS8
E<er87+8 nee+# a #afe 0la,e t :ee0 t!eir <alua7le#/ T ,ater t t!i# nee+=
H+f, 7an: ffer# 8u Safe De0#it >,:er# at #ele,t 7ran,!e#/ T!e8 are
a<aila7le in a <ariet8 f #i?e# t #uit 8ur nee+#/
S2EEP IN FACI0IT.8
If 8u 9i#! t ta:e <er+raft#= an+ #till ta:e a+<anta$e f 8ur fi@e+ +e0#it/
T!en 8u nee+ i# a S9ee0(In Fa,ilit8 n 8ur #a<in$# a,,unt/
>in: 8ur Fi@e+ De0#it t 8ur Sa<in$# r Current A,,unt an+ u#e it t
fall 7a,: n in ,a#e f emer$en,ie#/ A +efi,it in 8ur Sa<in$# r Current
A,,unt i# ta:en ,are f 78 u#in$ u0 an e@a,t <alue frm 8ur Fi@e+
De0#it/ Sin,e +e0#it# are 7r:en +9n in unit# f Re 5G(= 8u 9ill l#e
intere#t nl8 fr t!e a,tual amunt t!at !a# 7een 9it!+ra9n/
%6
Features an" -ene/its8
C!#e 7et9een a Sa<in$# A,,unt r Current A,,unt t lin: t
8ur Fi@e+ De0#it/
Earn !i$!er intere#t n t!e mne8 till it i# #9e0t(in= 9!ile t!e
remainin$ Fi@e+ De0#it ,ntinue# t earn 8u intere#t/
Onl8 an e@a,t amunt re"uire+ t ma:e u0 fr t!e +efi,it in t!e
Sa<in$# a,,unt i# 9it!+ra9n frm 8ur Fi@e+ De0#it 2unit# f
Re/ 5G(3 t!ere78 minimi?in$ intere#t l##/
Multi0le +e0#it# ,an 7e lin:e+ t t!e Sa<in$# a,,unt/
Fle@i7ilit8 in alterin$ t!e 0eri+ f +e0#it= maturit8 an+ 0a8ment
in#tru,tin#= 0rin,i0al amunt an+ rll<er m+e/
.u ,an a<ail f 7t!= a Su0er#a<er Fa,ilit8 a# 9ell a# a S9ee0(In
Fa,ilit8 if 8u !a<e lin:e+ 8ur +e0#it# t a Sa<in$# Fa,ilit8/
Senir ,iti?en# en;8 a !i$!er rate f intere#t n t!eir Fi@e+
De0#it#/
A<ail an Internatinal De7it ,ar+ an+ a free ,!e"ue 7: n 8ur
S9ee0(in Sa<in$# a,,unt/
SUPER SA1ER FACI0IT.8
En;8 a !i$! rate f intere#t aln$ 9it! t!e li"ui+it8 f a Sa<in$#
A,,unt 78 0tin$ fr a Su0er Sa<er Fa,ilit8 n 8ur #a<in$# a,,unt/
A<ail f an <er+raft fa,ilit8 f u0 t '6H f t!e <alue f 8ur Fi@e+
De0#it/
%D
EAS. S,OP INTERNATIONA0 DEBIT CARD 8

.ur HDFC *an: Ea#8 S!0 Internatinal De7it Car+ 7rin$# t 8u a 9rl+
f ,n<enien,e/
Features an" -ene/its8
Dail8 >imit#- R#/ 56&&& at ATM# fr Wit!+ra9al an+ R#/ %6&&& at
mer,!ant e#ta7li#!ment# fr #!00in$/
A,,e## 8ur 7an: a,,unt at <er B= &&=&&& Vi#aGMae#trGCirru#
ATM# in In+ia an+ a7ra+/
&H 0etrl #ur,!ar$e at #ele,t *PC> Petrl 0um0#L- A# a De7it Car+
!l+er= an8 #ur,!ar$e le<ie+ n 8ur Car+ at #ele,t *PC> 0etrl
0um0# 9ul+ 7e re<er#e+ in t!e #u7#e"uent mnt!/
S!0 at mre t!an 4= 6&=&&& utlet# in In+ia an+ 54 millin
9rl+9i+e/ T!e amunt i# +e7ite+ +ire,tl8 t 8ur a,,unt/
U#e 8ur ,ar+ <er#ea#/ .ur a,,unt i# +e7ite+ in Ru0ee# re$ar+le##
f t!e ,urren,8 in 9!i,! 8u #0en+/
.u ,an $et an Alert n 8ur m7ile 0!ne r email fr e<er8
0ur,!a#e tran#a,tin +ne u#in$ 8ur De7it Car+ at a mer,!ant
utletMM All 8u nee+ t + i# re$i#ter fr In#ta Alert#
%'
Wrl+9i+e a##i#tan,e frm Vi#a an+ Ma#terCar+ n 8ur ,ar+/
INTER NATIONAL CREDIT CARD%
SI01ER CREDIT CARD8

Features8
A))6purpose $re"it $ar"
T!e HDFC *an: Sil<er Cre+it Car+ ,an 7e u#e+ fr all 8ur
re"uirement#= 7e it #!00in$= eatin$ ut= !li+a8in$= fuellin$ u0 8ur
<e!i,le= rail9a8 ti,:et re#er<atin# ( ;u#t a7ut an8 finan,ial
re"uirement= 0lanne+ r n im0ul#e
Earn %i)e you spen"
Wit! u#= mne8 #0ent i# mne8 earne+/ Fr e<er8 R#/ 56& 8u #0en+=
8u earn 5 re9ar+ 0int#/ .u ,an re+eem t!e#e a,,umulate+ 0int#
fr e@,itin$ $ift# an+ ffer# frm ur e@,lu#i<e re9ar+# 0r$ram/
A"" on $ar"s
Get u0 t 4 a++(n ,ar+# fr 8ur #0u#e= 0arent#= #i7lin$# 29n
7rt!erG#i#ter3= #n an+Gr +au$!ter 2<er 5B 8ear#3 an+ all9 t!em t
%B
en;8 t!e man8 7enefit# f t!e HDFC *an: Internatinal Sil<er
Cre+it Car+
Dero )ia-i)ity on )ost $ar"
In ,a#e 8ur ,re+it ,ar+ $et# l#t= re0rt it imme+iatel8 t ur %A(!ur
,all ,entre/ After 8u + t!i#= 8u ,arr8 ?er lia7ilit8 n an8
frau+ulent tran#a,tin# n 8ur ,ar+/
2i"e)y a$$epte"
A,,e0te+ at <er 55&=&&& mer,!ant e#ta7li#!ment# a,r## In+ia an+
Ne0al an+ ,l#e t 5B millin mer,!ant e#ta7li#!ment# arun+ t!e
9rl+/
GO0D CREDIT CARD8

Features8
Up to EF $as% -a$k on air ti$ketin!
6H Ca#! 7a,: n +me#ti, air tran#a,tin# a7<e R#/5&=&&& t!ru$!
+me#ti, airline 9e7#ite# 2%/6H n tran#a,tin# 7el9
EF $as% -a$k on train ti$ketin!
Get 6H ,a#! 7a,: n rail9a8 ti,:et# 0ur,!a#e+ 9it! 8ur HDFC *an:
Gl+ Cre+it Car+ at t!e In+ian Rail9a8# 9e7#ite 999/ir,t,/,/in/
Dis$ounts on %ote) tari//
%)
A 9!00in$ 6&H +i#,unt n !tel #ta8# a,r## In+ia an+ a7ra+=
t!ru$! ,m0limentar8 Sil<er *enefit mem7er#!i0 t t!e Internatinal
*u#ine## Tra<ellerK# Clu7/
HDFC PROD&CT RANGE

SA1ING ACCOUNT
Types o/ Sa#in!s A$$ount

G. Re!u)ar sa#in! a$$ount
3. Sa#in! p)us a$$ount
H. Sa#in! ma9 a$$ount

<. No /ri))s a$$ount
E. 'i"s a"#anta!e a$$ount
5. Senior $iti:en a$$ount
4&
REGU0AR SA1INGS ACCOUNT8

An ea#8(t(0erate #a<in$# a,,unt t!at all9# 8u t i##ue ,!e"ue#= +ra9
Deman+ Draft# an+ 9it!+ra9 ,a#!
Wi+e net9r: f 7ran,!e# an+ <er t!u#an+ ATM# t meet all 8ur
7an:in$ nee+# n matter 9!ere 8u are l,ate+/
nee+# n matter 9!ere 8u are l,ate+/
*an: ,n<enientl8 9it! fa,ilitie# li:e Net *an:in$ an+ M7ile
*an:in$( ,!e,: 8ur a,,unt 7alan,e= 0a8 utilit8 7ill# r #t0 ,!e"ue
0a8ment= t!ru$! SMS
Ne<er <er#0en+( S!0 u#in$ 8ur Internatinal De7it Car+ t!at
refle,t# t!e a,tual 7alan,e in 8ur #a<in$# a,,unt/
Per#nali?e+ ,!e"ue# 9it! 8ur name 0rinte+ n ea,! ,!e"ue leaf fr
en!an,e+ #e,urit8/
Ta:e a+<anta$e f *ill Pa8= an in#tant #lutin t all 8ur fre"uent
utilit8 7ill 0a8ment#/ In#tru,t fr 0a8ment <er t!e 0!ne r t!ru$!
t!e Internet/
A<ail f fa,ilitie# li:e Safe De0#it >,:er= S9ee0(In an+ Su0er
Sa<er fa,ilit8 n 8ur a,,unt/
45
4 Free tran#a,tin# n S*IGAn+!ra *an: ATM# 0er mnt!/
Free Pa8a7le(at(Par ,!e"ue7:= 9it!ut an8 u#a$e ,!ar$e# u0t a
limit f R#/6&= &&&G( 0er mnt!/
Free In#ta Alert# fr all a,,unt !l+er# fr lifetime f t!e a,,unt/
Free Email Statement fa,ilit8/

'IDS AD1ANTAGE ACCOUNT8


.u ,an #tart #a<in$ fr 8ur ,!il+ t+a8 an+ #e,ure !i#G!er future/ O0en a
Sa<in$# A,,unt an+ tran#fer mne8 e<er8 mnt! int !i#G!er 1i+#
A+<anta$e A,,unt/
Features8
Amunt# in e@,e## f R#/ 6=&&&G( <er an+ a7<e a 7alan,e f R#/
5&=&&&G( $et# ,n<erte+ int Fi@e+ De0#it# fr a #0e,ifie+ 0eri+ in
8ur ,!il+K# name/
Free Internatinal De7it Car+ fr 8ur ,!il+ 2a7<e ' 8ear# f a$e3
9it! a ma@imum +ra9in$ ,a0a7ilit8 f R#/ %=6&&G( 0er +a8
4%
Free E+u,atin In#uran,e ,<er f u0 t R#/ 5= &&=&&&G( fr 8ur
,!il+ 9it! e<er8 1i+# A+<anta$e A,,unt/
Net *an:in$ fa,ilit8 t mnitr 7t!= 8ur Sa<in$# A,,unt a# 9ell a#
8ur 1i+# A+<anta$e A,,unt
Free Fun+# Tran#fer 7et9een 8ur Sa<in$# A,,unt an+ 8ur 1i+#
A+<anta$e A,,unt/
Free In#ta Alert# fr all a,,unt !l+er# fr lifetime f t!e a,,unt/
Free Email Statement fa,ilit8/
SA1ING P0US ACCOUNT8

All 8u !a<e t + i# maintain an A<era$e Euarterl8 *alan,e f R#/ 5&=&&&G(
an+ e@0erien,e t!e 7enefit# a# mentine+ 7el9-
Wi+e net9r: f 7ran,!e# an+ <er t!u#an+ ATM# t meet all
8ur 7an:in$ nee+# n matter 9!ere 8u are l,ate+/
% Free tran#a,tin# n S*IGAn+!ra *an: ATM# 0er mnt!
4 Free tran#a,tin# n an8 t!er *an:K# ATM 0er mnt!/
Free internatinal +e7it ,ar+ fr r all a,,unt !l+er# fr life time
f t!e a,,unt/
%6H(ff n t!e >,:er rental fr t!e 5#t 8ear 2nl83/
Free Email Statement fa,ilit8/
44
S0e,ial relatin#!i0 +i#,unt n 0ur,!a#e f Gl+ *ar#
Free Pa8a7le at Par 2PAP3 ,!e"ue7: 9it!ut an8 u#a$e ,!ar$e#
u0t a limit f 6&=&&& 0er mnt!/L
SA1ING MAI ACCOUNT8

*8 maintainin$ an a<era$e "uarterl8 7alan,e f ;u#t R#/ %6=&&&G( 8u $et a
!#t f 0remium #er<i,e# frm HDFC *an: a7#lutel8 freeL/
Feature an" -ene/it8
Free unlimite+ tran#a,tin#- Ca#! 9it!+ra9al an+ 7alan,e en"uir8= at
all HDFC *an: ATM# I n an8 t!er *an:K# ATM u#in$ 8ur HDFC
*an: De7it Car+/
Free De7it Car+ fr 0rimar8 a,,unt !l+er fr lifetime f t!e
a,,unt/ Gl+ De7it Car+ fr t!er a,,unt !l+er# at R# %6&G( 0/a/
Free Pa8a7le(at(Par 2PAP3 ,!e"ue7:= 9it!ut an8 u#a$e ,!ar$e#
u0t a limit f 5 la, 0er mnt!/
Free Deman+ Draft# n HDFC *an: l,atin#= u0t a limit f
6&=&&&G( 0er +a8 at !me 7ran,!/
4A
SelfGT!ir+ Part8 Ca#! De0#itGWit!+ra9al at nn(!me 7ran,!e#=
u0t R# 6&=&&&G( 0er +a8 free/ A7<e R# 6&=&&& a ,!ar$e f R# %/)&
0er t!u#an+ n t!e full amunt 9ul+ 7e a00li,a7le/
6&H ff n t!e >,:er rental fr t!e 5
#t
8ear nl8/
Free Email Statement fa,ilit8/
NO FRI00 ACCOUNT /

In an effrt t ma:e 7an:in$ #im0ler an+ mre a,,e##i7le fr ur ,u#tmer#=
9e !a<e intr+u,e+ t!e NO Frill# #a<in$# a,,unt= 9!i,! ffer# 8u all t!e
7a#i, 7an:in$ fa,ilitie#/ .u ,an al# a<ail t!e fa,ilitie# li:e NET *an:in$=
M7ile *an:in$ free f ,#t/
All t!i# in a ?er Initial Pa8(in an+ a ?er *alan,e a,,unt/
Features an" Bene/its.
A,,e## a 9i+e net9r: f *ran,!e# an+ <er a t!u#an+ ATMF#
A,r## t!e ,untr8 t meet all 8ur 7an:in$ nee+#/
*an: ,n<enientl8 9it! fa,ilitie# li:e Free net 7an:in$ an+ m7ile
7an:in$/
U#e t!e free ele,trni, Fun+# tran#fer EFT fa,ilit8 t tran#fer fun+#
frm 8ur HDFC 7an: a,,unt t an a,,unt in ant!er 7an: at t!e
l,atin# a# #0e,ifie+ 78 R*I/
En;8 free IVR 7a#e+ 0!ne 7an:in$/
Get free Euartel8 A,,unt #tatement#/
A,,e## 8ur a,,unt t!ru$! a free ATM ,ar+/
46
En;8 free ,a#! +e0#it# at *ran,!GATM/
) free ,a#! 9it!+ra9l# 0er "uarte# at 7ran,! an+ HDFC *an: ATMF#/
Internatinal De7it ,ar+ a<aila7le nl8 n re"ue#t at t!e 7ran,! NR#
5&G/0/a fr ea,! a00li,ant/

SENIOR CITIDEN ACCOUNT

Desi!ne" to meet t%e nee"s o/ Senior Citi:en+ espe$ia))y t%eir
in"epen"en$eJ
AS t!e 0arent# = t!e8 7ru$!t u# u0= tea,!er# t!e8 $ui+e+ u#= it# time 9e
#!9 t!em t!at 9e ,are/ T!i# i# *an:F# en+ea<ur t ma:e all Senir
Citi?en# trul8 0ri<ili+$e+ an+ $i<e t!em t!e !nur t!at t!e8 +e#er<e/
E)i!i-i)ity
Re#i+ent# in+i<i+ual in t!e a$e $ru0 f D& 8ear# an+ a7<e
5
#t
a00li,ant #!ul+ 7e a Senir Citi?en t 7e eli$i7le t 0en t!i# a,,unt
Features an" Bene/its
Ea#8 #!0 internatinal De7it ,ar+ 2free fr life fr I#t a00li,ant3
Tran#a,tin limit n t!e De7it ,ar+ 20er +a8 limit3 ATM(%6&&& an+
POS(R# %6&&&3
4D
WmenF# A+<anta$e De7it ,ar+ 2free fr life fr fir#t a00li,ant
A,,unt #tatement# 2mnt!l8 free3
PAP U#a$e C!ar$e# 2 t!ru$! ,learin$ nl8= free u0t 6&&&& 0m an+
r# 5G( 0er 5&&& a7<e R# 6&&&& fr t!e entire amunt3/
DDGM, ,!ar$e# 2S0e,ial #la7# fr Senir Citi?en a# 0er t!e #er<i,e
,!ar$e# an+ fee# 7r,!ure/
T!ir+ 0art8 ,a#! +e0#it# G 9it!+ra9al# at nn( !me 7ran,!2u0t
6&&&& 0er +a8 free = a7<e R# 6&&&& = R# %/)&G( 0er 5&&&/
Free tran#a,tin n t!er *an: ATM2 4 free ,a#! 9it!+ra9al# 0er
mnt! n an8 t!er 7an: ATM
*ill 0a82R# 5&& 0er annum3
P!neGnetGm7ile 7an:in$Gin#ta alert#2 free3/
A,,i+ental H#0itali#atin C<er2free ,<er f R# 6&&&& G( 0er
annum3
H#0ital ,a#! fa,ilit82Dail8 ,a#! all9an,e f R# 6&& 0er +a8 u0t 56
+a8# 0er 8ear3 n,e a 8ear3/
Fre@ tran#a,tin#/
S0e,ial 0ri,in$ n ne9 Demat/
S0e,ial 0ri,in$ n ne9 HS> a,,unt/


4'
SA0AR. ACCOUNT

T!ere are 7a#i,all8 t9 t80e# f a,,unt# a# fll9#
Re$ular Salar8 a,,unt
Premium Salar8 a,,unt
Re!u)ar Sa)ary A$$ount
Features an" Bene/its
N minim 7alan,e re"uire+/
Intere#t at t!e a00li,a7le #a<in$ a,,unt rate/
Free internatinal De7it ,ar+ 9it! ATM ,a#! 9it!+ra9l limit f u0
t R# 56&&& an+ R# %6&&& 2nn J ,a#!3 at #!00in$ a<enue#/
Free in#uran,e f Deman+ Draft# u0 t R# %6&&& 0er in#trument =
0a8a7le at 7ran,!e# 9it!in HDFC 7an:in$ net9r:/
Free Net 7an:in$ = P!ne 7an:in$= M7ile 7an:in$/
4B
Free S9ee0(in J fa,ilit8/
Free inter( ,it8G 7ran,! 7an:in$/
Safe +e0#it >,:er#2#u7;e,t t a<aila7ilit83/
Free 0a8a7le at 0ar ,!e"ue 7:/
Preferential rate# n lan 0r+u,t# ffere+ 78 t!e 7an:/
Preferential rate# n fre@ tran#a,tin#/
*ill 0a8 fa,ilit8/
Free in#ta alert fa,ilit8/
Free Pa##7: fa,ilit8 a<aila7le at !me 7ran,! fr a,,unt
!l+er#2in+i<i+ual#3/


Premium Sa)ary A$$ount
A 09er 0a,:e+ a,,unt fr #u,,e##ful #alarie+ 0rfe##inal#= t!e Premium
Salar8 a,,unt ,me# 9it! a free Internatinal De7it Car+ an+ a++ J n
De7it ,ar+ fr life= 9it! t!e 0tin f ,!#in$ 7et9een a Sil<er r Gl+
,re+it ,ar+ at 0referential rate#/
Features an" Bene/its
Free Internatinal De7it ,ar+ an+ a++ J n De7it ,ar+ fr life/
Free Per#nal In#uran,e A,,i+ent ,<er u0 t R# %&&&&&G( n t!e
+e7it ,ar+/
4)
Free De7it ,ar+ 9it!+ra9al# J ma@ ,a#! 9it!+ra9al at ATM# R#
%6&&&G( an+ R# 6&&&&2nn ,a#!3 at #!00in$ a<enue#/
Preferential rate# fr Gl+ an+ #il<er ,re+it ,ar+#/
Free +eman+ Draft# u0 t R# %6&&& 0er in#trument= 0er in#trument
0a8a7le at 7ran,!e# 9it!in t!e HDFC 7an:in$ net9r:/
Free *ill 0a8a7le an+ in#ta alert fa,ilit8/
Free Pa8a7le at 0ar ,!e"ue 7:/
Free mnt!l8 a,,unt #tatement#/
Free Pa##7: fa,ilit8 a<aila7le at !me 7ran,! fr a,,unt
!l+er#2in+i<i+ual#3/
A&
C&RRENT ACCO&NT%

INTRODUCTION8
T!i# t80e f a,,unt !el0# in +ail8 tran#a,tin/ W!en e<er 7u#ine##
re"uire# mne8 an a,,unt !l+er ,an +e0#it r 9it!+ra9al t!eir
,a#! frm an8 7ran,! a,,r+in$ t t!eir 7u#ine## nee+# an+ time/
A# t!e #tatement f HDFC 7an: a8 t!at= we understand your
world. T 0r<e t!i# #tatement HDFC 7an: 0r<i+e fur t80e f
,urrent a,,unt 9!i,! 9ill #uit an8 t80e f 7u#ine## nee+#/ ,urrent
a,,unt ,an 7e ,la##ifie+ in fur ,ate$rie# 9!i,! are e@0laine+ a#
A5
7el9-
REGU0AR CURRENT ACCOUNT8


A%
Re$ular Current A,,unt re"uire# 8u t maintain an a<era$e "uarterl8
7alan,e f nl8 R#/ 5&=&&&/
Feature an" -ene/it8
Con#enient inter6$ity -ankin! -
De0#it 8ur l,al ,!e"ue# in ne 7ran,! f a ,it8 an+ !a<e it ,re+ite+
t 8ur a,,unt at a 7ran,! in ant!er ,it8 r ma:e 0a8ment# a,r##
HDFC *an: l,atin# u#in$ PAP ,!e"ue fa,ilit8 at a nomina) rate
Free 0a8ment# an+ ,lle,tin# t!ru$! NEFT Free RTGS ,lle,tin/
RTGS 0a8ment N R#/5&&G( 0er tran#a,tin
Inter(,it8 A,,unt t a,,unt# fun+# tran#fer 7et9een ,DFC Bank
a$$ounts at a nminal ,!ar$e f R#/56G( 0er tran#a,tin#
Free Deman" Dra/ts (DD* a7<e R#/5&&=&&&G(/ Deman+ +raft# u0 t
R#/6&=&&&G( at flat ,#t f R#/A&G(/ DD# a7<e R#/6&=&&G( I u0 t
R#/5&&=&&&G( at nminal ,#t f R#/%6G(/
Free Pay Or"er (PO* a7<e R#/5&&=&&&G(/ Pa8 Or+er u0 t
R#/6&=&&&G( at flat ,#t f R#/A&G(/ PO# a7<e R#/6&=&&&G( I u0 t
R#/5&&=&&&G( at nminal ,#t f R#/%6G(/
Pa8a7le at 0ar ,!e"ue 7: at nminal 0ri,e/

C,ARGES8
Non6Maintenan$e C%ar!es per >uarter OC!ar$e f R#/'6&G(
0er "uarter= if AE* i# le## t!an R#/5&=&&&G
C%e>ue Book C%ar!es (Issue" -y Bank3 O 0a8a7le at 0ar
,!ar$e R# % 0er leaf/
A4
Issue o/ Dup)i$ate ? A"%o$ Statement OR#/ 5&& at *ran,! r
P!ne 7an:in$
R#/ 6& 0er #tatement t!ru$! P!ne 7an:in$= Net 7an:in$= ATM+
M7ile 7an:in$/
Mo"e o/ $a)$u)ation o/ minimum a#era!e >uarter)y
-a)an$eOA<era$e f +ail8 ,l#in$ 7alan,e# f ea,! +a8 #0rea+
<er a 0eri+ f t!ree mnt!#/
Remittan$e /a$i)ity t%rou!% on -ank8
Deman" Dra/ts (DD* paya-)e ,DFC Bank 0o$ations
(Issue" /rom any -ran$%* ? Dup)i$ate DDKDD Amunt U0 t
R#/ 6&=&&& ,!ar$e# / A&G( 0er DD= A7<e R#/ 6&=&&& an+ u0 t
R#/ 5&&=&&&( R#/ %6G(= A7<e R#/ 5&&=&&&( Free
Pay Or"ers (PO* L on ,DFC Bank 0o$ations (Issue" /rom
Any Bran$%* ? Dup)i$ate POKPO amunt U0 t R#/ 6&=&&&
,!ar$e# R#/ A&G( 0er PO= A7<e R#/ 6&=&&& an+ u0 t R#/
5&&=&&& J R#/ %6G(= A7<e R#/ 5&&=&&&( Free
DD?PO6Can$e))ationKR#/6&G( 0er in#trument
RTGS Transa$tions?paymentKR# 5&& 0er tran#a,tin
A$$ount to A$$ount Fun" Trans/er it%in ,DFC BankK
R#/56G( 0er tran#a,tin
Payments = Co))e$tions at ,DFC Bank 0o$ations=C!ar$e#
at R#/5/6&G5&&&= min R#/ %6
Remittan$e /a$i)ity t%rou!% ot%er -ank8
AA
Issue o/ Deman" Dra/ts (DD* ? Dup)i$ate DD
(Correspon"ent tie6up*K R#/%/&& 0er R#/5&&&G( Minimum
R#/6&G(
DD6Can$e))ation OR#/6&G( 0er in#trument
Outstation $%e>ue $o))e$tion t%rou!% on -ankOR#/%/6& 0er
R#/5&&& fr C!e"ue# +ra9n n HDFC *an: >,atin#= min R#/
6& 0er in#trument/
Stop Payment C%ar!es
Parti,ular ,!e"ueOR#/6&G( 2R#/A&G( t!ru$! 0!ne(7an:in$=
FREE t!ru$! Net *an:in$3


A$$ount C)osure
U0 t 5A +a8#ON C!ar$e
56 +a8# t D mnt!#O56 +a8# t D mnt!#
Mre t!an D mnt!#ON C!ar$e
PREMIUM CURRENT ACCOUNT-
Premium Current A,,unt re"uire# 8u t maintain an a<era$e "uarterl8
7alan,e f R#/ %6&&&/
Feature an+ 7enefit-
A6
Free an89!ere ,lle,tin I 0a8ment 9it!in HDFC *an:
7ran,! net9r: 2u0 t R#/%6 la,# 0er mnt!= in,remental
amunt t 7e ,!ar$e+ N R#/5/6& 0er R#/5=&&&G(= min R#/%6G(
Free NEFT Tran#a,tin#/
Free RTGS $o))e$tion. RTGS 0a8ment N R#/5&&G( 0er
tran#a,tin/
Inter(,it8 A,,unt t a,,unt# fun+# tran#fer 7et9een HDFC
*an: a,,unt# at a nminal ,!ar$e f R#/56G( 0er tran#a,tin#/
Free Deman" Dra/ts (DD* a7<e R#/5&&=&&&G(/ Deman+ +raft#
u0 t R#/6&=&&&G( R#/A&G(/ DD# a7<e R#/6&=&&&G( I u0 t
R#/5&&=&&&G( R#/%6G( an+ ,an 7e i##ue+ frm an8 HDFC *an:
*ran,!
Free Pay Or"er (PO* a7<e R#/5&&= &&&G(/ Pa8 Or+er u0 t
R#/6&=&&&G( R#/A&G(/ PO# a7<e R#/6&=&&G( I u0 t
R#/5&&=&&&G( R#/%6G( an+ ,an 7e i##ue+ frm an8 HDFC *an:
*ran,!
5&& PAt ParP ,!e"ue lea<e# free 0er mnt!
C%ar!es8
Minimum Ba)an$e (A#era!e Muarter)y Ba)an$e3O R#/
%6=&&&G(
Non6Maintenan$e C%ar!es per >uarterO C!ar$e f
R#/)&&G( 0er "uarter= if AE* i# le## t!an R#/%6=&&&G(
C%e>ue Book C%ar!es (Issue" -y Bank3O 0a8a7le at
0ar 5&& ,!e"ue lea<e# Free 0er mnt!/ C!ar$e# R# %G(
0er leaf 7e8n+ 5&& lea<e#
AD
TRADE CURRENT ACCOUNT8
Tra+e Current A,,unt re"uire# 8u t maintain an a<era$e "uarterl8
7alan,e f R#/ A&=&&&/
Feature an+ 7enefit-
Free A,,unt t a,,unt fun+# tran#fer 7et9een HDFC *an:
a,,unt#/
Free RTGS?NEFT Tran#a,tin#
Free u0 t 4& Deman" Dra/ts (DD* an" H4 p.o (pay or"er* 0er
mnt! an+ ,an 7e i##ue+ frm an8 HDFC *an: *ran,!/
Free an89!ere $o))e$tion = payment 9it!in HDFC *an: 7ran,!
net9r: u0 t R#/6& la,# 0er mnt!/
%&& PAt ParP ,!e"ue lea<e# 0er /ree mnt!/
C%ar!es8
A'
Minimum Ba)an$e (A#era!e Muarter)y Ba)an$e3O R#/
A&=&&&G(
Non6Maintenan$e C%ar!es per >uarterO C!ar$e f
R#/5=%&&G( 0er "uarter= if AE* i# le## t!an R#/A&=&&&G(
C%e>ue Book C%ar!es (Issue" -y Bank3O 0a8a7le at 0ar %&&
,!e"ue lea<e# Free 0er mnt!/ C!ar$e# R# %G( 0er leaf 7e8n+
%&& lea<e#
P0US CURRENT ACCOUNT8

Plu# Current A,,unt re"uire# 8u t maintain an a<era$e "uarterl8 7alan,e
f R#/ 5&&=&&&/
Feature an+ 7enefit-
Free A,,unt t a,,unt fun+# tran#fer 7et9een HDFC *an: a,,unt#
Free 0a8ment an+ ,lle,tin t!ru$! RTGS/
Free 0a8ment an+ ,lle,tin u#in$ NEFT 2t!ru$! Net 7an:in$3
Free u0 t 6& Deman" Dra/ts 0er mnt! an+ 6& 0a8 r+er 2 0/3 an+
,an 7e i##ue+ frm an8 HDFC *an: *ran,!
Free an89!ere ,lle,tin I 0a8ment tran#a,tin# 2,learin$3 9it!in
HDFC *an: 7ran,! net9r: u0 t R#/5&& la,# 0er mnt!/
AB
4&& PAt ParP ,!e"ue lea<e# free 0er mnt!/
C%ar!es8
Minimum *alan,e 2A<era$e Euarterl8 *alan,e3O R#/ 5&&=&&&G(
NA)(A)aA)nQenan,e C!ar$e# 0er "uarterO C!ar$e f R#/D=&&&G( 0er
"uarter= if AE* i# le## t!an R#/6&=&&&G( an+ C!ar$e f R#/5=6&&G( 0er
"uarter= if AE* i# le## t!an R#/ 5&&=&&&G( 7ut R O R#/ 6&=&&&G
C!e"ue *: C!ar$e# 2I##ue+ 78 *an:3 O 0a8a7le at 0ar 4&& ,!e"ue
lea<e# Free 0er mnt!/ C!ar$e# R# %G( 0er leaf 7e8n+ 4&& lea<e#
E0IGIBI0IT.8
T!e fll9in$ are eli$i7le t 0erate a ,urrent a,,unt-
Re#i+ent in+i<i+ual#
Hin+u un+i<i+e+ familie#
Sle 0r0rietr#!i0 firm#/
Partner#!i0 firm#/
>imite+ ,m0anie#
Tru#t a,,unt#/
A##,iatinG,lu7#G#,ietie#
Frei$n In#titutinal In<e#tr#/
Frei$n natinal# re#i+in$ in In+ia/
FIXED DEPOIT%
REGU0AR FIIED DEPOSIT:
A)

.u ,an in<e#t 8ur mne8 in Fi@e+ De0#it= if 8u 7elie<e in ln$(term
in<e#tment# an+ 9i#! t earn !i$!er intere#t# n 8ur #a<in$#/ Get u0 t
N.44F n HDFC *an: Fi@e+ De0#it 9it! an a++itinal 4.E4F fr Senir
Citi?en#
Feature an" -ene/its8
Time 7a#e+ rate f intere#t( ln$er 0eri+# f +e0#it a,,rue !i$!er
intere#t#/
Ptential t earn ,m0un+ intere#t 78 rein<e#tin$ t!e 0rin,i0al
amunt aln$ 9it! t!e intere#t earne+ +urin$ t!e 0eri+/
A++ t 8ur Fi@e+ De0#it/ 2Minimum a++(n# f R#/ 6=&&&G(3 9!en
8u !a<e #ur0lu# fun+#/
N 0enalt8 fr 0remature 9it!+ra9al/
Hi$!er rate f intere#t n Fi@e+ De0#it# fr Senir ,iti?en#/
E .EAR TAI SA1ING FIIED DEPOSIT8
6&

*an: fi@e+ +e0#it# 7:e+ 78 an In+i<i+ualGHUF fr 6 8ear# I u0 t
R#/ 5= &&=&&&G( 9ill 7e all9e+ e@em0tin un+er Se, B&C f t!e In,me
Ta@ A,t=5)D5/
Feature an" -ene/its8
Minimum Amunt- R#/5&&G(
Multi0le# f R#/5&&G(
Ma@imum Amunt- R#/ 5 la, 2in a F.3
Tenure ( 6 8ear# 2l,: in 0eri+3/
Rate f Intere#t ( B/%6H 0/a= Senir Citi?en rate ( B/'6H
N PartialGPremature 9it!+ra9al all9e+/
S9ee0(in nt all9e+/
N OD all9e+/
In t!e ,a#e f ;int !l+er +e0#it= t!e +e+u,tin frm in,me un+er
#e,tin B&C f t!e A,t #!all 7e a<aila7le nl8 t t!e fir#t !l+er f t!e
+e0#it.
DEMAT ACCOUNT8
65

HDFC *AN1 i# ne f t!e lea+in$ De0#itr8 Parti,i0ant 2DP3 in t!e
,untr8 9it! <er B >a, +emat a,,unt#/
HDFC *an: Demat #er<i,e# ffer# 8u a #e,ure an+ ,n<enient 9a8 t :ee0
tra,: f 8ur #e,uritie# an+ in<e#tment#= <er a 0eri+ f time= 9it!ut t!e
!a##le f !an+lin$ 0!8#i,al +,ument# t!at $et mutilate+ r l#t in tran#it/
HDFC *AN1 i# De0#itr8 0arti,i0ant 7t! 9it! (Natinal Se,uritie#
De0#itrie# >imite+ 2NSD>3 an+ Central De0#itr8 Ser<i,e# >imite+
2CDS>3/
Features an" -ene/its8
A# 00#e+ t t!e earlier frm f +ealin$ in 0!8#i,al ,ertifi,ate# 9it! +ela8#
in tran#a,tin= !l+in$ an+ tra+in$ in Demat frm !a# t!e fll9in$ 7enefit#-
Settlement f Se,uritie# tra+e+ n t!e e@,!an$e# a# 9ell a# ff mar:et
tran#a,tin#
Ple+$in$ f Se,uritie#/
Hl+in$ G Tran#a,tin +etail# t!ru$! Internet G email
MUTUA0 FUNDS
6%
Mutual fun+# are fun+# t!at 0l t!e mne8 f #e<eral in<e#tr# t in<e#t in
e"uit8 r +e7t mar:et#/ Mutual Fun+# ,ul+ 7e E"uit8 fun+#= De7t fun+# r
7alan,e+ fun+#/
Fun+# are #ele,te+ n "uantitati<e 0arameter# li:e <latilit8= FAMA M+el=
ri#: a+;u#te+ return#= an+ rllin$ return ,u0le+ 9it! a "ualitati<e anal8#i# f
fun+ 0erfrman,e an+ in<e#tment #t8le# t!ru$! re$ular intera,tin# G +ue
+ili$en,e 0r,e##e# 9it! fun+ mana$er#/
HDFC Mutual Fun+ !a# 7een ne f t!e 7e#t 0erfrmin$ mutual fun+# in t!e
la#t fe9 8ear#/ HDFC A##et Mana$ement Cm0an8 >imite+ 2AMC3
fun,tin# a# an A##et Mana$ement Cm0an8 fr t!e HDFC Mutual Fun+/
AMC i# a ;int <enture 7et9een !u#in$ finan,e $iant HDFC an+ *riti#!
in<e#tment firm Stan+ar+ >ife In<e#tment# >imite+/ It ,n+u,t# t!e
0eratin# f t!e Mutual Fun+ an+ mana$e# a##et# f t!e #,!eme#= in,lu+in$
t!e #,!eme# laun,!e+ frm time t time/
64
S$%emes o/ Mutua) Fun" o//ere" -y ,DFC
Types o/ s$%emes
6A
IN&RANCE
.u ,an 7an: n HDFC *an: fr all 8ur finan,ial nee+#/ HDFC *an:
ffer# 8u a 9rl+ f ,!i,e in in#uran,e/ .u ,an n9 a<ail f >ife (
In#uran,e 0lan# frm HDFC Stan+ar+ >ife In#uran,e/
Unit lin:e+ in#uran,e 0lan
H+f, unit lin:e+ 8un$ #tar
H+f, unit lin:e+ 8un$ #tar 0lu#
H+f, unit lin:e+ #u<i+!a
H+f, unit lin:e+ #u<i+!a 0lu#
H+f, unit lin:e+ 0en#in
H+f, unit lin:e+ 0en#in 0lu#
Cn<entinal in#uran,e 0lan#
H+f, ,!il+renF# 0lan#
H+f, #a<in$ a##uran,eF# 0lan#
H+f, mne8 7a,: 0lan
Term a##uran,e 0lan
H+f, term a##uran,e 0lan
66
H+f, lan ,<er term a##uran,e 0lan
6D
PREFERRED BANKING
Fee) spe$ia)+ /ee) pre/erre" i# 9!at HDFC *an: 7a#t# f fr it#
0referre+ ,u#tmer#/ If 8uKre a #ea#ne+ 0rfe##inal r !a<e 7een runnin$
a #u,,e##ful 7u#ine## <er t!e 8ear#= t!e HDFC *an: Preferre+ Pr$ram i#
meant fr 8u/ A 0referre+ ,u#tmer i# a##i$ne+ a +e+i,ate+ Relatin#!i0
mana$er an+ $et# <ariu# 0ri<ile$e# free #u,! a# free 9ai<er= en!an,e+
ATM 9it!+ra9al limit= 0ririt8 l,:er alltment= free Demat aG,= l9er rate#
f intere#t n lan#/
Features an" -ene/its8
Dero -a)an$e A?$;s6.u + nt nee+ t :ee0 a minimum a,,unt
7alan,e in 8ur a,,unt#/
Free Preferre+ Internatinal Gl+ De7it Car+= 9it! !i$!er #0en+in$
limit f u0 t R#/ 6&=&&& an+ ,a#! 9it!+ra9al f u0 t R#/ %6=&&& in a
#in$le +a8/
N ,!ar$e# 9ill 7e le<ie+ fr ,a#! 9it!+ra9al if 8u tran#a,t n nn
HDFC *an: ATM 2VISAG Ma#terCar+ G Eur netG S*IG An+!ra *an:3
in In+ia
A<ail f a l,:er at ;u#t 6&H f t!e annual fee
A<ail f t!e *ill Pa8 fa,ilit8 an+ ta:e ,are f all 8ur utilit8 7ill# an+
>IC 0remium# t!ru$! P!ne *an:in$ an+ Net *an:in$/
O0en multi0le Demat a,,unt# a7#lutel8 free f ,!ar$e/ Al#= a<ail
f a +i#,unte+ rate n tran#a,tin# n 8ur Demat a,,unt/
6'
Re"ue#t fr a free PAt ParP ,!e"ue 7: 0a8a7le at an8 HDFC *an:
7ran,! a,r## t!e ,untr8= +in$ a9a8 9it! t!e nee+ fr a#:in$ fr a
+eman+ +raft.
Annua) $%ar!es ai#er8
A# a Preferre+ Cu#tmer 8u are entitle+ t a 9ai<er f u0 t R#/%= &&& 0er
annum n a !#t f #er<i,e ,!ar$e# li:e-
Deman+ Draft G Mana$erK# C!e"ue ,!ar$e#/
Inter(7ran,! fun+# tran#fer ,!ar$e#
St0 Pa8ment ,!ar$e#/
C!e"ue return G ,lle,tin ,!ar$e#/
DD ,an,ellatin ,!ar$e#
Hl+ Mail ,!ar$e#/
Du0li,ate #tatement ,!ar$e#/
Re,<er8 f l+ re,r+# ,!ar$e#

E)i!i-i)ity8
.ou are e)i!i-)e /or t%e Pre/erre" Pro!ram i/ you8
Hl+ at lea#t ne Sa<in$# r Current a,,unt= #le r ;int a,,unt=
9it! HDFC *an:/
Maintain a minimum A<era$e Mnt!l8 7alan,e f R#/ 56 >a:!#
a,r## all 8ur a,,unt# 2Sa<in$#= Current an+ Fi@e+ De0#it#L3
OR
6B
Maintain an A<era$e Euarterl8 *alan,e f R#/ % >a:!# in 8ur
Sa<in$# a,,unt/
OR
Maintain an A<era$e Euarterl8 *alan,e f R#/ 6 >a:!# in 8ur
Current a,,unt/
T!e re"ui#ite 7alan,e ,an 7e maintaine+ <er 8ur a,,unt# an+ <er
t!#e f 8ur imme+iate famil8 mem7er/

6)

OBOECTI1ES
T #tu+8 t!e a9arene## re$ar+in$ HDFC 7an: an+ it# 0r+u,t# in
.amuna Na$ar/
T :n9 9!i,! are t!e m#t 00ular #,!eme# f t!e 7an:/
D&
REEARCH METHODOLOGY
Re#ear,! 9r+ mean# t sear$% a!ain& 9!i,! ,an 7e ,alle+ a# a tl in
re#ear,! met!+l$8 9!i,! !el0# in re+u,tin f un,ertaint8/
De/inition8
*u#ine## re#ear,! i# +efine+ a# t!e #8#temati, an+ 7;e,ti<e 0r,e## f
$at!erin$= re,r+in$ an+ anal8?in$ +ata fr ai+ in +e,i#in#/
T.PES OF RESEARC, USED8
E9p)oratory resear$%-
T!e main 0ur0#e f #u,! #tu+ie# i# t!at f frmulatin$ a 0r7lem t!e
mre 0re,i#e in<e#ti$atin r f +e<el0in$ t!e 9r:in$ !80t!e#i# frm
an 0eratinal 0int f <ie9/ In t!i# #tu+8 e@0lratr8 re#ear,! 9a#
,n+u,te+ u#in$ t!e te,!ni"ue <i?/ #e,n+ar8 +ata anal8#i# an+ 0ilt
#tu+8/
T a,,m0li#! t!i# 0r;e,t I !a<e +ne a #ur<e8 P$ustomer
aareness re!ar"in! #arious pro"u$ts o//ere" -y ,DFC -ank&
un+er 9!i,! e@0lratr8 re#ear,! ,me#/
D5
METHOD OF DATA COLLECTION
Primary sour$es8
Clle,tin f 0rimar8 +ata +urin$ t!e ,ur#e f +in$ e@0eriment# in
e@0erimental #ear,! 7ut 9e are +in$ re#ear,! f +e#,ri0ti<e t80e an+
0erfrm #am0le #ur<e8#= t!en 9e 7tain 0rimar8 +ata eit!er t!ru$!
7#er<atin r t!ru$! +ire,t ,mmuni,atin 9it! re#0n+ent#/
Too)6"ue#tinnaire

Se$on"ary sour$es8
It i# t!e +ata 9!i,! !a# alrea+8 7een ,lle,te+ 78 #mene r
r$ani?atin fr #me t!er 0ur0#e r re#ear,! #tu+8/ T!e +ata fr m8
#tu+ie# !a<e 7een ta:en frm <ariu# #ur,e#-
*:#
Curnal#
Ma$a?ine#
Internet #ur,e#
D%
SAMP0ING DESIGN

Sam0lin$ Si?e - 5&&
Sam0lin$ Te,!ni"ue - Cu+$ment #am0lin$
Sam0lin$ Area - .amuna Na$ar I
Ca$a+!ri
Sam0lin$ Unit - In+i<i+ual# !a<in$ *an:
AG,
D4
ANALYII AND INTERPRETATION
E5/Sin,e 9!en 8u are 7an:in$ 9it! t!e 7an:S
time Respon"ents
% mnt!# 46H
%(A mnt!# %6H
%(D mnt!# %6H
DI a7<e 56H
RESPONDENTS
35%
25% 25%
15%
0%
5%
10%
15%
20%
25%
30%
35%
40%
2 months 2-4 months 2-6 months 6& aboe
TIME
%
A
G
E
!es"on#ents
Interpretation8
46H re#0n+ent are 7an:in$ 9it! HDFC #in,e la#t % mnt!#/%6H #in,e la#t
%(A mnt!#= %6H frm %(D mnt!# an+ re#t frm mre t!an D mnt!#/
E%/ H9 ften 8u <i#it t!e 7an:S
DA
1isit in -ank respon"ents
+ail8 6H
9ee:l8 56H
T9i,e a 9ee: 4&H
mnt!l8 6&H
RESPONDENTS
5%
15%
30%
50%
0%
10%
20%
30%
40%
50%
60%
#ai$y %ee&$y t%ice a
%ee&
month$y
VISIT IN !AN"
res"on#ents
Interpretations8
6&H ,u#tmer <i#it 7an: mnt!l8= 6H <i#it 7an: +ail8= 56H 9ee:l8 an+ re#t
<i#it 7an: t9i,e in t!e 9ee:/
E4/H9 +i+ 8u ,me t :n9 a7ut HDFC 7an:S
D6
sour$e respon"ents
em0l8ee# 5&H
A+<erti#ement# in TV 56H
Ne9#0a0er# 4&H
frien+# A6H
res"on#ents
10%
15%
30%
#5%
em"$oyees
a#ertisments in t
ne%s"a"ers
'rien#s
Interpretations8
M#t f 0e0le are intr+u,e+ t HDFC 0r+u,t# 78 t!eir frien+# 9it! A6H
ut f 5&& an+ 4&H frm ne9#0a0er = 56H frm a+<ertiement in t/< an+ 5&
H frm em0l8ee#/
EA/ Are 8u a9are f t!e#e 0r+u,t# f HDFC *an:S
DD
RESPONDENTS
10%
15%
22%
3$%
15%
0%
5%
10%
15%
20%
25%
30%
35%
40%
(emat A/c stan#ar# $i'e
ins)rance
m)t)a$ ')n#s #ebit car#s cre#it car#s
PROD%&TS
%
A
G
E
Interpretation8
4BH re#0n+ent# are a9are f +e7it ,ar+ AG, I nl8 5&H are a9are f
H+f,F# Demat AG,/
E6/9!i,! ,ar+ are 8u u#in$S
Car" Respon"ents
De7it D6H
ATM 46H
Pro"u$ts Respon"ents
Demat AG, 5&H
Mutual fun+# %%H
Stan+ar+ life in#uran,e 56H
De7it ,ar+# 4BH
Cre+it ,ar+# 56H
D'
&ARD %SING
'5%
35%
0%
10%
20%
30%
40%
50%
60%
*0%
#ebit car# ATM
&ARD
%
A
G
E
Interpretation8
46H f re#0n+ent u#e ATM I D6H u#e +e7it ,ar+/
ED/ Are 8u a9are a7ut 1i+# A+<anta$e A,,untS
Aareness /or ki"s a"#anta!e A?$ Respon"ents
.e# %AH
N 'DH
DB
res"on#ents
2#%
('%
+es
,o
Interpretation8
Onl8 %D H re#0n+ent are a9are f :i+# a+<anta$e AG, an+ re#t are nt
a9are f/
E'/9!i,! t80e f a,,unt 8u !a<e 9it! t!e 7an:S
Types o/ a$$ount respon"ents
Current AG, %6H
Sa<in$ AG, A&H
Demat AG, 6H
Fi@e+ +e0#it2FD3 %&H
1i+# A+<anta$e AG, 5&H
D)
res"on#ents
25%
#0%
5%
20%
10%
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
c)rrent
A/-
sain.
A/-
#emat
A/c
'i/e#
#e"osit
&i#s
a#.A/-
T)PES O* A+&
%
A
G
E
res"on#ents
Interpretation8
Out f 5&&= A&H AGC !l+er are !a<in$ SG7 AGC 9!ere a# %6H +eal 9it!
,urrent AG,= %&H !a<in$ F/D= 5&H !a<in$ :i+# A+<anta$e AG, an+ re#t are
!a<in$ Demat AG,/
EB/W!i,! +ire,t 7an:in$ ,!annel# fa,ilit8 i# m#tl8 a<aile+ 78 8uS
Bankin! $%anne) respon"ents
P!ne 7an:in$ 6H
Net 7an:in$ 5&H
M7ile 7an:in$ 56H
ATM '&H
'&
RESPONDENTS
5%
10%
15%
(0%
0hone ban&in.
,et ban&in.
Mobi$e ban&in.
ATM
Interpretations8
In D*C m#t f AG, !l+er# u#e ATM 9!erea# m7ile 7an:in$ i# u#e+ 9it!
56H= 5&H AG, !l+er u#e net 7an:in$ an+ 6H u#e 0!ne 7an:in$/
E)/D 8u :n9 a7ut <ariu# t80e# f ,urrent AG,F#S
Types o/ $urrent A?$ Respon"ents
re$ular A4H
Premium 54H
*an: tra+e %)H
*an: 0lu# 56H
'5
#3%
13%
2,%
15%
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
!e.)$ar 0remi)m 1an& tra#e 1an& "$)s
!es"on#ents
!es"on#ents
Interpretation8
A4H are a9are f re$ular ,urrent AG, an+ nl8 56H are a9are f 0remium
,urrent AG,/
E5&/D 8u :n9 a7ut fll9in$ t80e f F/D #,!eme#S
FD S$%emes Respon"ents
S9ee0 in A6H
Su0er Sa<er 66H
'%
#5%
55%
0%
10%
20%
30%
40%
50%
60%
%AGE
s%ee" in s)"ersaer
*D S&-EMES
!es"on#ents
Interpretation8
66H ,u#tmer# are a9are f #u00er #a<er an+ re#t are a9are f #9ee0 in/
E55/Are 8u full8 #ati#fie+ 9it! t!e #er<i,e# f HDFCS
satis/a$tion Respon"ents
.e# DAH
N 4DH
'4
!es"on#ents
'#%
3'%
yes
no
Interpretation8
DAH ,u#tmer# are #ati#fie+ 9it! #er<i,e# f HDFC 7an: an+ re#t are nt/
E5%/ H9 + 8u ran: t!e *an:F# #er<i,e#S
'A
Ser#i$es Re#0n+ent#
G+ A6H
Pr %&H
*etter %&H
*e#t 56H
Interpretation8
A6H re#0n+ent ran: HDFC 7an:F# #er<i,e# a# $+= %&H a# 0r= %&H a#
7etter an+ nl8 56H a# 7e#t/
FINDINGS
M#t f 0e0le are a9are f H+f,F# 0r+u,t# in .nr 7ut a9arene## f
+e7it ,ar+ i# mu,! mre in ,m0ari#n t mutual fun+/
De7it ,ar+ i# u#e+ mre in ,m0ari#n t ATM +ue t it# 7enefit#/
In D*C m#t f AG, !l+er u#e ATM in ,m0ari#n t P!ne*an:in$
r net 7an:in$/
'6
M#t f AG, !l+er# are !a<in$ #a<in$ AG, in ,m0ari#n t Demat
AG,/
P0ular #,!eme# f 7an: in,lu+e re$ular ,urrent= #a<in$# re$ular an+
fi@e+ +e0#it#/
Mre t!an 6& H 0e0le are #ati#fie+ 9it! HDFC *an:F# #er<i,e#/
/
LIMITATION
A #tu+8 9it!ut #me ,n#traint# i# ;u#t li:e an illu#in
We !a<e trie+ t 0ut ur ma@imum effrt# t 7tain t!e 7e#t 0##i7le +ata
7ut +e#0ite f all !ar+#!i0#= I #in,erel8 a,,e0t #me limitatin# 9!i,!
9ere 7e8n+ m8 ,ntrl in t!i# re#ear,!/
T!e limitatin# f t!e 0re#ent #tu+8 ,an 7e #ummari?e+ a# fll9#-
'D
Due t t!e 0au,it8 f time= t!e +ata ,ul+ nt 7e ,lle,te+ in entirel8
T!e re#ult ,n,lu+e+ frm t!e +ata ,lle,te+ ,ul+ nt 7e a,,urate
+ue t 7ia#ne## amn$ t!e re#0n+ent#/
T!e re#0n+ent# +i+ nt $i<e 0r0er re#0n#e a# t!e8 t!in: t!at t!i#
t80e f #ur<e8 ,n+u,te+ ,ul+ 7e nl8 a time ,n#umin$ a,ti<it8
''
CONC0USION

HDFC *an: i# t!e lea+in$ 7an:in$ r$ani?atin 9!i,! 0r<i+e# late#t
#er<i,e# an+ inn<ati<e 0r+u,t# t it# 9i+e ran$e f ,u#tmer#/ Pr+u,t#
al# 7enefit frm net9r: an+ #u0erir 0r,e##in$ #er<i,e#/ T!e +e0t! an+
7rea+t! f t!e inte$rate+ #uite f 0r+u,t# an+ ,a0a7ilitie#= ,u0le+ 9it! t!e
7an:in$ an+ ,a0ital mar:et# #er<i,e# fuel# t!e a7ilit8 t !el0 t #ta8
,m0etiti<e an+ #u,,e##ful in 7an:in$ #e,tr/
T!e finan,ial mana$ement f t!e 7an: i# # ,a0a7le t!at it mana$e# t!e ,#t
an+ 0rfita7ilit8 a,,r+in$ t t!e mar:et re"uirement#/ One f t!e main
rea#n# a# 9!8 in #me la#t finan,ial 8ear# t!e mar:et ,a0itali?atin
in,rea#e+ a# ,m0are+ t t!e t!er mar:et 0la8er# lie# in t!e fa,t t!at t!e
Finan,ial Mana$ement f t!e *an: i# # ,a0a7le t!at it i# mana$in$ it# ,#t G
0rfita7ilit8 t 78 <er <ie9in$ it# in#i+e $r9t!/ One f t!e main 0li,ie#
f HDFC *an: !a# 7een t maintain t!e $+ an+ ,ream8 ,u#tmer# # t!at
t!e "ualit8 9ill 7e maintaine+ an+ #er<e+ an+ nt run fr t!e num7er# 9!i,!
9ill al# in<l<e ,#t an+ 9ill t!ere78 +e,rea#e# mar:et #!are/ T!i# 7eautiful
0li,8 !a# al9a8# !el0e+ t!e 7an: t 7e #ti,: t all run+ $r9t! f t!e 7an:
an+ t!ere78 im0r<in$ 7an:in$ #!are in t!e finan,ial mar:et/
T!e re#ear,! !el0# in ma:in$ t un+er#tan+ t!e 0rfita7ilit8 an+ t 7e a9are
a7ut t!at !9 t!e #im0le re$ular 0r+u,t a++# t t!e in,rea#e 0rfita7ilit8
an+ t!u# ma:in$ t!e 7an: $r9 lar$er/ T!e ,#t $et# re+u,e+ 9it! t!e unit
0er a,,unt an+ t!u# t!e 7an: :ee0# n ma:in$ t!e 0rfit 9it! t!e initial
,#tin$ fr t!e 8ear#/ T!e 0r#0e,t# f t!e t!e t!e 0r+u,t# i# al# atta,!e+
9it! t!e a,,unt an+ t!u# ma:in$ t #ell t!e 9i+e ran$e f 0r+u,t# an+
#ati#f8 t!e ,u#tmer nee+#/
'B
&GGETION
Frmalitie# re"uire+ t 0en a,,unt #!ul+ 7e re+u,e+/
T!ere #!ul+ 7e mre intere#t n fi@e+ +e0#it a ,m0are t t!er
7an: t!at HDFC 7an: ,an $enerate mre re<enue fr t!eir AG,/
Initial amunt re"uire+ t 0en a #a<in$ AG, #!ul+ 7e re+u,e+/
Fr maintainin$ a<era$e "uarterl8 7alan,e nn (maintenan,e ,!ar$e#
#!ul+ 7e re+u,e+/

')
BIBLIOGRAPHY
BOO'S
C/ R/ 1t!ari - Re#ear,! Met!+l$8
P!ili0 1tler - Mar:etin$ Mana$ement
M/ . 1!an - Mana$ement f Finan,ial Ser<i,e#
N/D/ 1a0r - Mana$ement A,,untin$
HDFC *an: MIS 2Fin9are3
Curnal f *an:in$ an+ Finan,e %6 263- )54J4)/ -( Curnal
Fa,t #!eet# f -
o HDFC *AN1
o Re#er<e *an: f In+ia
o HDFC Se,uritie#
o In+ian *an:#
o Se,uritie# E@,!an$e *ar+ f In+ia
INTERNET
999/$$le/,m
999/!+f,7an:/,m
999/r7i/,m
E,nmi,# Time#
B&
'&ETIONNAIRE
1. In 9!i,! 7an: + 8u !a<e a,,untS 2Plea#e T3
Natinali?e+ Pri<ate

%/ If 0ri<ate t!en in 9!i,! 7an: are 8u +ealin$S 2Plea#e T3
HDFC *OP ICICI
AUIS 2UTI3

4/ #in,e 9!en 8u are 7an:in$ 9it! t!e 7an:S 2Plea#e3
% mnt!# %(A mnt!#
D mnt!
D I a7<e
A/ H9 ften 8u <i#it t!e 7an:S
D Dail8 Wee:l8
T9i,e a 9ee: Mnt!l8


B5
6/ H9 +i+ 8u ,me t :n9 a7ut HDFC 7an:S 2Plea#e3
Em0l8ee# A+<erti#ement# in T/V

Ne9#0a0er Frien+#
D/ Are 8u a9are f t!e#e 0r+u,t# f HDFC 7an:S
Demat AG, mutual fun+
De7it ,ar+ ,re+it ,ar+
Stan+ar+ life in#uran,e
'/ W!i,! ,ar+ are 8u u#in$S
ATM ,ar+ +e7it ,ar+
B/ Are 8u a9are a7ut t!e :i+F# a+<anta$e #,!emeS

.e# N

)/ W!i,! t80e f AG, + 8u !a<e 9it! t!e 7an:S
Current AG, Sa<in$ AG,
Demat AG, Fi@e+ +e0#it
1i+# A+<anta$e AG,
B%
5&/ W!i,! +ire,t 7an:in$ ,!annel fa,ilit8 i# m#tl8 a<aile+ 78 8uS
2Plea#e3
P!ne 7an:in$ M7ile 7an:in$
Net 7an:in$ ATM
55/ D 8u :n9 a7ut <ariu# t80e f ,urrent AG, at HDFC 7an:S
Re$ular 0remium

*an: tra+e 7an: 0lu#
5%/ D 8u :n9 a7ut fll9in$ t80e f fi@e+ +e0#it #,!emeS

S9ee0 in Su0er #a<er

54/ Are 8u full8 #ati#fie+ 9it! t!e #er<i,e# f HDFC 7an:S
.e# n
If n=Plea#e #0e,if8
W!i,! #er<i,e i# m#t +i##ati#fa,tr8S ((((((((((((((((((((((((((((((((((((((
B4