CONTENTS

SL. NO. CHAPTER

Prefaces Introduction Objective of the Research
1. Theoretical Framework

PAGE NO.
3 4 7 9 13 19 34 74 76 87 90 93

Company Profile Business Profile Product Range Research Methodology Data Analysis Interpretation Suggestions & Limitations Annexure 10. Questionnaire

Bibliography

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Product at a glance
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Savings, Fixed Deposits, Current and Demat Accounts Savings Account: Apart from the usual facilities, you get a free ATM Card, Interbranch banking, Net Banking, Bill Pay, Phone Banking, Debit Card and Mobile Banking, among others.

HDFC Bank Preferred: A preferential Savings Account where you are assigned a dedicated Relationship Manager, who is your one-point contact. You also get privileges like fee waivers, enhanced ATM withdrawal limit, priority locker allotment, free Demat Account and lower interest rates on loans, to name a few.

Sweep-In Account: A fixed deposit linked to your Savings Account. So, even if your Savings Account runs a bit short, you can issue a cheque (or use your ATM Card). The money is automatically swept in from your fixed deposit into your Savings Account.

Super Saver Account: Gives you an overdraft facility up to 75% of your Fixed Deposit. In an emergency, you can access your funds while your Fixed Deposit continues to earn high interest.

HDFC Bank Plus: Apart from Regular and Premium Current accounts we also have HDFC Bank Plus, a Current Account and then some more. You can transfer up to Rs. 50 lakh per month at no extra charge, between the four metros. You can also avail of cheque clearing
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between the four metros, get cash delivery/pickup up to Rs. 25,000/-, home delivery of Demand Drafts, at-par cheques, outstation cheque clearance facility, etc.

Demat Account: Conduct hassle-free transactions on your shares. You can also access your Demat Account on the Internet.

Innovative services for your convenience... Phone Banking: 24-hour automated banking services with 39 Phone Banking numbers available.

ATM 24-hour banking: Apart from routine transactions, you can also pay your utility bills and transfer funds, at any of our ATMs across the country all year round.

Intercity/Interbranch Banking: Access your account from any of our branches in cities.

Net Banking: Access your bank account from anywhere in the world, at anytime, at your own convenience. You can also view your Demat Account through Net Banking.

International Debit Card: An ATM card you can shop with all over the country and in over 140 countries with. You can spend in any currency, and pay in Rupees.

Mobile Banking: Access your account on your mobile phone screen at no airtime cost. Use SMS technology to conduct your banking transactions from your cell phone.

Bill Pay: Pay your telephone, electricity and mobile phone bills through our ATMs, Internet, phone or mobile phone. No more standing in long queues or writing cheques.

Loans for every need Now, our loans** come to you in easy-to-pay monthly installments, and are available with easy documentation and quick delivery.

Personal Loans: Take a loan of up to Rs. 3 lakh for a wedding, education, purchase of a computer or an exciting holiday.

New Car Loans and Used Car Loans: Finance up to 90% of the cost of a car, new or used! And the loans come to you with easy documentation and speedy processing at attractive interest rates.

Loans Against Shares: Get an overdraft up to Rs. 10 lakh at an attractive interest rate against physical shares, up to 50% of the market value of your shares. In case of Demat Shares, you can get a Loans Against Shares of up to 65% of the market value of your shares, till Rs. 20 lakh.

Two Wheeler & Consumer Loans: To help you buy the best durables for your home

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INTERNATIONAL DEBIT CARD

Their HDFC Bank International Debit Card gives customer easy access to their HDFC Bank Account are the following locations :Visa Electron Debit Card Visa/PLUS ATMs Merchant Outlets Transaction Balance Inquiry & Cash Withdrawal Shopping
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HDFC Bank ATMs Canara Bank & Bank of India Locations Maestro Debit Card Cirrus ATMs Merchant Outlets HDFC Bank ATMs

All ATM Transaction Cash? Withdrawal Transaction Balance Inquiry & Cash Withdrawal Shopping All ATM Transactions

Cash status HDFC BANK are sending customer an Active Debit Card. If customer have an existing ATM card the same will be deactivated within 10 days of dispatch of their Debit Card.

At Visa/PLUS ATMs if customer have a Visa Electron Debit Card OR Cirrus ATMs if customer have a Maestro Debit Card. Insert their card on the slot provided. Enter their POIN and confirm. Select their transaction. Customer have the option of making a Balance Inquiry and/or Cash Withdrawal. In case of Cash Withdrawal, enter the amount that customer want to withdrawal. Their Account with HDFC Bank will be debited on-line for the amount of withdrawal. Costumer will receive their cash/will be able to view their Balance on the ATM screen.

At HDFC Bank ATMs:

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At HDFC Bank ATMs customer could avail of the following services: Account Selection Cash Withdrawal/Balance Inquiry Cheque/Cash deposit Mini Statement of Account Account Statement/Cheque Book request. Funds Transfer between customer own Accounts PIN Change Bill Pay

At Merchant Outlets for shopping: Present the card to the merchant, after selecting their purchases. The merchant will swipe it through an electronic terminal and enter the amount of customer purchase. In case customers have a Maestro Debit Card-Customer would then need to use the PIN Pad that is attached to the electronic terminal to select the account (always select Savings Account) and enter customer PIN. This is the same as their ATM PIN. Their Account with HDFC Bank will be debited on-line for the amount of their purchase (subject to availability of funds in their account). On approval the terminal will print out a transaction slip with all the details of the purchase. Check the slip and sign at the appropriate place.
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 The merchant will return a copy of the transaction slip and customer Card. Please ensure that customer have received their own Card.

Limits Customer can withdraw upto Rs. 15,000/- per day at the ATM (Rs. 25,000 for HDFC Bank Preferred Customers). Customer can make Purchase upto Rs. 25,000/- per day at Merchant Outlets (Rs. 50,000 for HDFC Bank Preferred Customers). Please note that the limits are Per Day/Per Card. Also, the Merchant Outlet Limit will be applicable at Bank of India & Canara Bank locations for Visa Electron Debit Card Holders. Insurance In case customer card is lost/stolen, customer are covered for any liability exceeding Rs. 500/- (After customer report the loss to the Bank). Please report of their card immediately to HDFC BANK Phone Banking service. Additionally, customer must report the loss/theft of their card to the nearest police authorities and forward a copy of the acknowledged report to the Bank. Additional Card Additional cards are available to Joint Account holders at an Annual fee of Rs. 100 per card. However, the operating instructions on the account should allow for financial transactions to be conducted singly by the Joint Account holders. Annual fee has been waived for the first year on one Additional Card.
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The services and applicable tariffs are listed below: Worldwide Assistance from MasterCard if customer has a Maestro Debit Card In case customer have any queries/problems while traveling abroad, assistance is available from Maestro Global Service from MasterCard International. Important Please sign on the reverse of the card on the signature panel. Their personal Identification Number (PIN) will be mailed to customer separately. Please ensure that customer receive this after customer receive their card. In case customer do not receive it please contact the nearest branch or call Phone Banking. Maestro Cards are being issued in select cities only. Their Card is valid in India and abroad. Customer cannot make foreign currency transactions in Nepal and Bhutan (i.e. transactions in currencies other than local currency of Nepal / Bhutan or Indian Rupees). In case of multiple accounts linked to their card, all their transactions at Merchant Outlets, Visa/PLUS ATM and Cirrus ATM locations will access one account i.e. the Primary Account Number designated by customer. The four-digit PIN helps customer to access their accounts. Do not reveal their PIN to anybody. Only customer should know this number. Please ensure that while using the Card outside India customer are doing so strictly in accordance with RBIs Exchange Control Regulations, as prevailing from time to

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time. Their aggregate expansive incurred abroad (i.e. through payments in cash/travelers cheques and through the Car) should not exceed the limit, set by RBI, As prevailing from time to time. Violation of these regulations in any manner would be liable for action under the Foreign

Exchange Management Act, 1999. The onus of ensuring compliance with the regulations is with customer, the holder of the International Debit Card.

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