Services Offered (ICICI v/s HDFC)
Deposits and Loans
 ICICI SAVINGS A/C
 Min bal: Rs10000 in metro and urban
 5000 in semi urban and rural
 Eligibilty: resident indian
 Documentation:
 Id proof
 Address proof
 Self cheque/ cash
 In case of icici bank loan amt
depends on repayment capabilities
and it is restricted to max of 80%of
cost of property
 Eligibilty:resident indian
 Documentation:
 Application form,photograph,fee
cheque,id proof, age proof,address
proof,signature verification.
 HDFC SAVINGS A/C
 Min bal: Rs10000 in metro and urban
 5000 in semi urban and rural
 Eligibilty: resident indian
 Documentation:
 Id proof
 Address proof
 Self cheque/ cash
 In case of hdfc bank loan amt
depends on repayment capabilities
and it is restricted to max of 85%of
cost of property
 Eligibilty:resident indian
 Documentation:
 Application form,photograph,fee
cheque,id proof, age proof,address
proof,signature verification.
 Services Offered (ICICI v/s HDFC)
Cards
 Debit card: CLUB HP(visa card)
 Application process
 Withdrawal: Rs25000 per day.
 Benefits:waiver 2.5% surcharge on
fuel transaction done on HPCL petrol
pumps
 Other benefits:
shopping,dinning,movie tickets etc.

 Debit card: easy shop(visa card)

 Application process
 Withdrawal: Rs15000 per day
 Benefits:waiver 0% surcharge on fuel
transaction done on BPCL petrol pumps
which is reveresed in subsequent month
 Other benefits: shopping,dinning,movie
tickets,pay bills etc
 Services Offered (ICICI v/s HDFC)
Insurance & Other services
 HEALTH ADVANCE PLUS:
 COVERAGE:2 TO 3 lakhs(depend on
plan choosen)
 CASHLESS FACILITY:4500+network
hospitals across india
 30days prior&60days post
 Other benefits: free ambulances
charges,free health check up coupon
 Room, Boarding Expenses as charged
by the Hospital
 NRI BANKING:
money transfer,bank account,loans
etc.
 BUSINESS/WHOLESALE BANKING
corporate net banking,cash
management.
 HEALTH GUARD POLICY:
 COVERAGE:10 lakhs(3mth to 55
yrs)
 CASHLESS FACILITY:2500 network
hospitals across india
 60 days prior & 90days post
 Other benefits:ambulances charges
min rs 1000,family discount of 10%
 No Sub-limits applicable on room rent
and other expenses.
 DEMAT SEVICES
 ACCESS TO BANK
 EMAIL US/ CUSTOMER SERVICES
FIND ATM/BRANCH
 MOBILE BANKING
 INTERNET BANKING
 INSTA BANKING
 IMPORTANCE OF BRAND BUILDING

 In the fiercely competitive world of the services industry,

image building and brands are becoming increasingly
imperative for banks.
 Building a new corporate brand image is becoming
mandatory for all the banks in the country.
 A large number of banks have re-designed their logo and
the colour and display style of their names.
 ICICI signs on Amitabh Bachchan as its Brand Ambassador.
 HDFC Have invested heavily in commerical branding
through T.V and Hoarding campaign.
 COMPETITOR OF ICICI & HDFC

 1ST is State Bank of India: SBI is the only Indian bank to

feature in the Fortune 500 list.It today offers the largest
banking network in the country. SBI boasts of over 10,000
branches and 8500 ATMs, and has 82 offices in 32
countries across the globe.
 2nd and 3rd position is held by HDFC and ICICI BANK.
 Apart from competing with SBI they compete with each
other
 Punjab National Bank: It as also emerged has one the
largest and fasted growing bank.
 FINANCIAL PERFORMANCE
ICICI BANK (PROFIT HDFC BANK (PROFIT
IN CRORES) IN CRORES)
 SWOT ANALYSIS
 STRENGTHS:  STRENGTHS:
 Great Brand Image.
 Superior customer service.

 Dedicate right strategy for the right
Good place to work.
products.
 Lower response time with efficient and
 Dedicated workforce .
effective service.
 Good amount of capitalisation.
 High penetration in rural areas.
 Weakness:
 Weakness:
 Some gaps in range for certain sectors.
 Customer service staff need training.
 Sectoral growth is constrained by low
 international standards in providing unemployment levels and competition
customer is very low. for staff.
 High paper work for rural selector  Working Hours not up to the customer
banking activities satisfaction.
 Opportunities:  Opportunities:
 Could extend to overseas broadly.  Profit margins will be good.
 Consider additional benefits to  Could seek better customer deals.
customers.  An applied research centre to create
 Fast-track career development opportunities.
opportunities on an industry-wide  Steps to Ensure loyalty by old
basis. customers.
 developing techniques to provide
added-value services
 Threats:
 Lack of infrastructure in rural areas
could constrain investment.
 Vulnerable to reactive attack by
major competitors
 Increased Competition from other
pvt. Banks.
 Threats:
 Legislation could impact.
 Very high competition prevailing in the
industry.
 Entry of many Foreign banks.

CONCLUSION
We can say that both the banks have performed very well
in todays business scenario as both have a good unique
product and service that have make them outperform others.
As market indicators reflect we can say ICICI Bank has
been badly hit by recession and their loss in investment
outside India.
New banking reform will be a good blessing for the banking
sector in coming days and on the same hand will be creating
a high competition from foreign players who will be allowed
to increase their investment share in India.