R E P O R T

F I N A L
ON
G E M E N T
M A N A
I S 1
THES
SRINIVASARAO.G
7NBGU068
 T O M E R
O N C U S
S T U D Y R ED I T
A N O N C
C E P T I O ER E D
PE R
E S O F F
S E R V I C
CARD D F C B A N K .
B Y H
 OBJECTIVES

• To know the requirements for Credit

card services offered by HDFC Bank.
• To know the types of credit cards
offered by HDFC Bank
• To know the executives involvement in
providing credit cards by HDFC Bank.
• To know the customer perception on
credit cards offered by HDFC Bank.
 LIMITATIONS

• The biggest constraint to this survey is the time

element. Bank Customers are very busy and
unable to share their opinions on credit cards
thus the survey demands more time but the
survey is restricted to less time.

• Mainly private sector bank customers are

furious on credit card a service that's why they
didn't cooperate with adequately.
 RESEARCH METHODOLOGY
PROCEDURES FOR SURVEYS:

Statistical tools - Pie charts, bar charts

Research instrument - Questionnaire
Contact method - Personal interview

Sample unit : HDFC CREDIT CARDS.

Sampling area : Guntur

DATA COLLECTION:
Primary data
Secondary data
 INTRODUCTION
 Reserve Bank of India (RBI 1935).
 State Bank of India (July 1955).
 Nationalization (Indira Gandhi)
- 14 Banks in 1969
- 6 Banks in 1980
 L P G in 1990 (P.V. Narasimharao).
 GTB, UTI, ICICI, HDFC.
 Now 88 SCB’s, 28 PSB’s, 29 Private Banks.
 53,000 Branches, 17000 ATM’s. in India.
 COMPANY PROFILE
• HDFC Bank Inc in 1994.
• 738 Branches, 1678 ATM’s, 260 Town &
cities.
• Jagdish capoor (Chairman), Aditya Puri
(M.D).
• Business Banking – Working Capital
• Personal Banking
_ Debit card services
_ Credit card services
Satisfaction level on dispatch of transaction statements

No. of the Customers

80

60

Satisfied
40
Unsatisfied
20

Satisfied Unsatisfied
Using of tenure

No. of the Customers

Less than 1 year

to 3 years 1
years above 3
 Type of card
70

60

50

Users Of Card
40

Percentage Of The
30
Users

20

10

0
Gold card Silver Card
Level of satisfaction on credit
period
No. of theCustomers

80

60

Satisfied
40
Unsatisfied
20

0
Satisfied Dis satisfied
Level of satisfaction on rate of
interest
No. of the Customers

100%

80%

60%

Satisfied
40%
Unsatisfied
20%

0%

Satisfied Unsatisfied
 Level of satisfaction on
customer care services
No. of the Customers

80

60

Satisfied
40
Un satisfied
20

Satisfied Dis satisfied

Level of satisfaction on credit
card services
 FINDINGS
• In the customer point of view the
documentation charges are high compare
to other banks

• The payment mode not flexible to the

customers.

• The customers are much more troubled

on credit cards why so charges on the
credit cards as well as way of collecting.

• Customers are unknown the transferring

 SUGGESTIONS
The awareness should create among
the people about the credit cards.
Offers should be provided to the
customers to increase the more use of
credit cards.
The company has to liberalize the
documentation process to attract the
more no. of customers
 CONCLUSION
Here the impact should be positive and
negatively.
Mainly the impact of the credit cards
should be from any loans as well as bank
accounts rather than other retail
products.
There is a negative opinion of rate of
interest as well as way of collecting .
 S A R A O . G
SR I N I V A
B G U 0 6 8
7N