BUSINESS OF AUTO LOANS

THROUGH
OFF MARKETING CHANNELS IN
HDFC BANK

Presents By: Yashomati Goda

Introduction Of Bank
Industry
The Banking Companies Regulation
Act-“The accepting, for the purpose of
lending and investment, of deposits of
money from the public, repayable on
demand or otherwise, and withdraw able
by cheque, draft and otherwise.”
The functions of a bank:-

Accepting deposits
Advancing money
Collection and payment of credit and other
instruments.
Sale and purchase of stock exchange
securities.
Acting as information bank
Remittance of fund
Introduction of HDFC Bank
 HDFC= Housing Development Financial
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.
 And the part of the RBI's liberalisation of the
Indian Banking Industry in 1994.
 The bank was incorporated in August 1994 in
the name of 'HDFC Bank Limited', with its
registered office in Mumbai, India.
 HDFC Bank commenced operations as a
Scheduled Commercial Bank in January 1995.
Introduction of HDFC Bank
HDFC Bank’s mission is to be a World-Class
Indian Bank.
The managing Director of bank is Mr. Aditya
Puri.
Mr. Jagdish Kapoor took over as the bank’s
Chairman in July 2001.
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 bank’s risk appetite.
Service Provide by HDFC
Bank
HDFC Bank offers a wide range of
commercial and transactional banking
services and treasury products to
wholesale and retail customers.


 The bank has three key business

segments:
Wholesale Banking Services
Retail Banking Services
Treasury



Meanings and Types of Loans
Loan means a credit facility where the
money is disbursed in the beginning,
mostly in one stroke, and later on only
recoveries in the forms of installments take
place in the account.
The loans granted by banks are

classified as:
Short term loan
Medium term loan & long term loan
Bridge loans
Composite loan
Consumption loan

Objective of My Study
To study the various complexities involved in
the loan the HDFC.
To know the various loan provided by the
HDFC bank. 
To know the various requirements fulfilled by
customers to get from HDFC bank.
To study the various facilities provided by
HDFC bank to customers for taking loans.
Recommend the valuable suggestion which
may increase the faith of new customers.
Auto Loans an Overview
A basket of options available – New
cars/Used cars/ Car N cash.
Market leader in the auto loans business.
Evolved distribution and capacities.
Widely experienced in the auto loans
business across the value chain
Highly process oriented. Great emphasis on
customer delight.

Off – Marketing Channels
Off Marketing Channels are basically involve
into their primary business or profession
like Chartered accountants, stock Brokers
and as an extra source of income they
work as the channel partners for different
companies.
Identified Off-Marketing channels till

date:-
 1. KARVY
 2. ANAND RATHI SECURITIES
 3. HDFC LTD.
 4. BAJAJ CAPITAL
 5. CHARTERED ACCOUNTANTS
Research Methodology
Title of study - BUSINESS OF AUTO LOANS
THROUGH
OFF MARKETING CHANNELS IN HDFC
BANK.


Duration of study - 45 days



Type of Research - questionnaire based

method


Sample size – 70


Method of selecting sample - contacted

personally
Facts and Findings
 Majority of respondents says that services which
providing by HDFC Bank is good as compare to
other banks but they are not comfortable with
taking auto loans from bank.
 65% respondents are aware about auto loans
and its process of HDFC bank.
 45% respondents are knows about off marketing
channels of HDFC bank.
 75% respondents say that procedure of auto
loan is long and its require many document.
 77% CA’s are happy to be a channel of the bank.
 65% respondents says that the terms and
conditions are not understandable for him.
Suggestions and
Recommendations
 Loans should be provided very easily.


 There should be less formality for taking loan.



 Terms and conditions should be easily

understandable.


 Loan should be provided as soon as possible.



 Interest rate should be less as compare to other

banks.


 The customers should be comfortable while

taking loans as compared other banks.
Conclusion
According to CA’s, it gave them an effortless
extra source of income on one side and
also helps them to strengthen their
relationship with existing customers.
Costumers had to deal with the dealers but
now they can avail the products and
services with the help of the type between
the bank and the channel.
They showed excitement and satisfaction
towards the work process and the services
of HDFC.
In total to sum up it can be said that this
new channel policy seems to be beneficial
and fruitful for all the three parties i.e.
company, channel and customers.
Thank you