Summer Internship Project

“Scoping of institutional banking in Delhi / NCR”

Submitted to:

JAIPURIA INSTITUTE OF MANAGEMENT, NOIDA

UNDER THE SUPERVISON OF
PROF. SURRENDAR KUMAR
BY:
SUMIT ANAND
 Contents

Topic Page no.

Section one
INTRODUCTION TO COMPANY

Section two
FRAMEWORK

Section three
OBJECTIVES OF REPORT

Section four
Job analysis

Section five
Tentative points of learning
 DECLARATION

I declare that the synopsis report titled ’Scoping of Institutional banking in Delhi / NCR’’
submitted to Jaipuria Institute of management, Noida a record of an original work done by
me and conducted under the supervision -------------- . this is submitted in partial fulfilment of
the requirements of the degree of post graduate diploma in management.
I further declare that to the best of my knowledge that the report does not contain any part of
work, which has been submitted in any university or institute for award of degree or diploma.

Sumit Anand Date:

JN180162
place: Noida
 ACKNOWLEDGEMENT

In the era of fierce competition, mere theoretical knowledge is not enough to give what it
takes to scale new heights. An in depth understanding of concepts can be achieved by
supplementing with practical experience.

The following report scope of institutional banking is an honest and sincere effort on my part
to put into practice the concepts learned during my industry exposure. However, this project
would not have been possible without the guidance and support of my project guide, Mr.
UTTAM SINGH, senior Vice President, who with his market know-how and experience
guided me from the very start.

Further I would also like to acknowledge the crucial role of Mr. Shashwat Awtaney, for being
the constant support during my summer internship. Mr. Sumit Das. It is by virtue of their
valuable suggestions and mentoring that this project has materialized into concrete form.

I owe a great deal to everyone for their kind support in letting me conduct this study and for
giving valuable inputs necessary for completion of the same. I owe my wholehearted thanks
and appreciation to the entire staff of the company for their cooperation and assistance during
the course of my project.
SIP COMPLETION CERTIFICATE
EXCUTIVE SUMMARY

Company: HDFC Wholesale Banking

Location: Delhi/NCR
Name: Sumit Anand
Roll No.: JN180162

My internship was in HDFC Wholesale banking under government and institutional banking.
Our team focused on North1 divisions of business, which was Haryana, Delhi, Punjab. We as
a team were focused on improving the ratios of our banks in north1 by providing them
government and institutional businesses.
As an intern I had to report to SVP North India who had various projects under him and
assigned me to filter and find potential government schemes of five ministries and their
interim budget 2019 that we can collaborate with and provide banking solutions for the same.
During my internship I got opportunity to work and gain experience on
Government/Corporate client handling, mapping of potential clients, cold calling and
appointment fixing, proposing new projects to reduce operational cost for bank and to
provide better business opportunities to the bank and also sharpen my skills on Excel and
PowerPoint presentation.
All my projects were implemented simultaneously. I was given new project every week and
had a matrix type reporting system where I used to report DVP and SVP at the same time.
I used to create presentations for SVP, for new ideas and projects for targeting potential
customers and institution’s and on the same hand I accompanied DVPs on calls and meeting
for existing clients and IAS officer’s for government business.
HDFC wholsale business is very aggressive on maintain their ratios and want bank to grow at
a steady pace. Corporate team is very focused and aspirant but aggressive at the same time.
All over my experience was really good, I learned almost all aspect of b2b business and
banking as well.
INTRODUCTION TO COMPANY

A brief about the company

HDFC The Housing Development Finance Corporation Limited (HDFC) being the first
private bank given license by the reserve bank of India RBI, to set up a bank in the private
sector, as part of RBI’s liberalisation of the Indian Banking Industry in 1994. The only
private bank to have ethical management. The bank caters to wide range of banking services
covering commercial and investment banking on the wholesale side and transactional/ branch
banking on the retail side. The bank has 3 key business areas:

HDFC BANK

Wholesale banking Treasury Retail Banking

Treasury
The bank has three major product area- LCM (local currency market), foreign exchange and
derivative’s and debt securities and equities. After liberalizations corporates faced a huge risk
and was supposed to be cater with advance banking solution. The banks are required to hold
some amount of securities and this is handled by this department.

Retail Banking
HDFC bank has a huge network to support retail banking in India and offers services to retail
clients. The bank has a wide range of products to support the user need of retail investors and
clients. These include personal loan, auto loan, loan against marketable security and other
retail loans. The bank is also leader in transaction, it has more than 235000 POS terminals
and has variety of services at offer in B2C online banking. The key objective was to provide
full range of financial products and banking services. It gives customers on stop window for
any banking requirement.

Wholesale Banking
It also has small and midsized corporate clients and agri based businesses. The bank also does
offer paid service like transactions and working capital management to all the customers.
Cash management service is an integration of vendor and distributor finance. It has a strong
customer relationship because of being in banking industry for over 20 years and hold a
strong brand equity and ethical image.

My internship was in the part of wholesale division of the bank and was aimed at getting the
institutional business and corporate clients to those banks whose CASA or others ratios were
low and to bring them at par with other banks and increase banking ratios of north1 division.
I was given the task for private and government institution’s banking services with the team
if four, senior vice president, two deputy vice president and me as deputy manager.
PROMOTER

HDFC is India’s premier housing finance company and enjoys an impeccable track record in
India as well as in international markets. Deepak parekh is the chairman of the company has
an impeccable record of ethical and sound industry expericance and has delivered above par
returns to the shareholders. Below is the list of shareholders.

Holder's Name No of Shares % Share Holding

Promoters 582312917 21.31%

Foreign Institutions 857241176 31.37%

GDR 514057775 18.81%

NBanks MutualFunds 305191950 11.17%

General Public 244481412 8.95%

Others 155954498 5.71%

Financial Institutions 68915959 2.52%

Central/Govt 4656584 0.17%

SWOT ANALYSIS OF HDFC BANK

Strengths
 Leading private bank of India with impeccable financial and ethical brand equity
 Has an outreach of more than 1874 cities in India and more than 800 service on
telephone banking.
 ATM cards are compatible with all the latest features and powered by visa and
MasterCard, is also most preferred card for online shopping.
 HDFC bank has the lowest attrition rate hence the best place to work
 Being an international bank it has many recognitions and awards increasing the brand
equity of the company.
  The overall customer satisfaction rate of the bank is also high

Weakness
 The bank doesn’t have strong presence in rural areas where its competitors are
enjoying monopoly.
 Entry of new banks such has yes bank has high quality management team and
effective banking schemes.
 Some banking product doesn’t have any presence and have failed in the presence of
competitor’s products.

Opportunities
 The bank has better asset management parameters over government banks, hence the
profit growth is likely to increase.
 HDFC has a good reputation in corporate solution and high reach in SME.
 Has low NPA and low level of bad debt.
Threat
 Fintech is the new threat to the private banks.
 Emerging private banks.
 RBI has opened up to 74% for foreign banks to invest in Indian market.
Job description

To increase the scope of government/institutional banking in India

My job description includes to search for Government/Institutions which may require our
banking and accounting solutions. Create list and connect the following list with respective
bank and connect my reporting officer
Job title: Intern under senior vice president

Reporting to: Senior Vice President Uttam Singh Ahluwalia

Hours: 9:30-5:30

Location: Patel Nagar Corporate Office HDFC

Purpose of the position

To increase the scope of government/institutional banking in India

My job description includes to search for Government/Institutions which may require our
banking and accounting solutions. Create list and connect the following list with respective
bank and connect my reporting officer with RMs. This requires segmentations of
Government/Institutions across Delhi NCR.
Furthermore, it includes setting meetings with potential clients and accompanying my
reporting officer for the same. Handling companies details and projecting expected revenue
from each client to maintain and healthy CASA ration in north zone HDFC banks.
Coming up with new ideas to increase business performance and banking solutions to cater
better with the clients and up to the market results.
Keeping an eye on the competitors planning and policies and to come up with new policies or
products to increase customer retention.

Key responsibilities & duties

1. Mapping- nearest branch to Government/Institutional clients with pin code and branch
code, with branch managers and relationship managers to create a nexus.
2. To manage daily logs of my senior’s including setting meetings organising mails, catering
travel logs and updating everything on dashboard and MS EXCEL.
3. Accompanying my seniors in meeting and managing daily updates and client banking
requirements.
4. Analysis of data gathered by the bank from Institutions and government, to understand
their spending needs are reasons.
5. Inclusion of institutions and government polices into our banks, to increase capital inflow
to the bank.
6. To manage and update calls on upcoming and ongoing project.
Job analysis

Position

Sonali president
arora

Uttam Shashwat
Ahluwalia Awtaney
senior vice president
vice president

sumit anand
Intern
Job role and responsibilities include absorbing, learning, creating and managing the front and
back end operations of the bank business.
Segmentation of institutes, data collected form ministry of HRD
Portfolio track accordance to budget allotted to various IAS/ sectaries
Tentative points of learning
 Understanding banking operations
 Understanding client dealing B2B
 Backend operations of the bank
 Corporate banking
 Mapping of potential institutions
Under Shashwat sir I was assigned to follow the education base, this being the regularly
updates list of clients added and job done on regular basis
Second table include the new to bank list and number of clients on our radar that could be
converted into new clients.
Each day cluster head was briefed about the meetings and new clients added and updated on
any new service they required. I accompanied shashwat sir in all the meeting and acquired
new clients.
List of existing clients and some new reference which were supposed to targeted with in mind
to keep healthy numbers of clients

S.No
Name of the School Area
.
3 Angels Public School Faridabad
5 Dav Public School Faridabad
9 Dav Public School Faridabad
Shri Tharu Ram Arya Kavya Uchatam Madhyamik
10 Dist Faridabad
Vidyal
13 Bohra Public School Faridabad
18 Gold Fields Public School Faridabad
20 St Josephs Convent School Faridabad
24 Vidya Niketan High School Faridabad
25 Dav Public School Faridabad
26 Golaya Progressive Public School Faridabad
27 Kendriya Vidyalaya Faridabad
28 Geeta Bal Niketan Senior Secondary School Faridabad
30 Shantiniketan Public School Faridabad
31 Shemrock Maharaja Faridabad
37 Devine Public School Faridabad
39 Alpine Valley Boarding School Faridabad
40 Aggarwal Public School Faridabad
45 Daya Ram Public School Dist Faridabad
48 Delhi Public School Faridabad
51 Eicher School Faridabad
54 Homerton Grammar School Faridabad
55 Jiva Public School Faridabad
57 K L Mehta Dayanad Public School Faridabad
61 Modern Vidya Niketan Senior Secondary School Faridabad
62 Ryan International School Faridabad
66 St Joseph's Hindi Medium School Faridabad
69 Udaya Bharati Public School Faridabad
This is the list of clients new to bank and their update on the being acquired, ongoing and
dead end clients marked in colour as green, yellow and red
cod_cust Customer_name Status
47631254 SAI COLLEGE OF LAW  
6575164 UTTRANCHAL EDUCATION TRUST  
S B MILLS SR SEC SCHOOL ALUMNI
6645526  
ASSOC REG
JAGANNATH INTERNATIONAL MGMT
457097 Customer Interest, PG Demonstration to be given to Director
SCHOOL
DELHI INSTITUTE OF HIGHER
22116615 Customer Interest, PG Demonstration to be given to Director
EDUCATION
SAI MURTI SHAH EDUCATIONAL
28283830  
SOCIETY
45787935 EIILM UNIVERSITY  
21619960 SCHOOL OF MANAGEMENT SCIENCES  
21620354 DELHI BUSINESS SCHOOL UNIT OF SMS  
PAMA EDUCATIONAL AND HUMAN
28963418  
WELFARE SOCI
DELHI INSTITUTE OF HIGHER
32930065  
EDUCATION
DR ZAKIR HUSSAIN INSTITUTE OF
47806949  
TECHNOLOGY
ANGURI DEVI MEMORIAL CHART
47647328  
RESEARCH INST
31482313 APEE JAY EDUCATION S  
31483287 KALKA NAGRIK SAMITI  
31484243 KALKAJI VEOPOR MANDAL  
31484147 SERVICE PERSONNEL CGHS LTD  
31484242 RAJESHWARI CO OP GRO  
31484747 APEEJAY COLL OF ENGG SOHNA  
31484328 APJ SCHOOL SHEIKH SARAI NIE  
31484239 DR STYA PAUL CO OPE  
SRI HARI BHURAMAL DWARKA PRASAD
31484941  
D
31485233 DR STYA PAUL EDUCATION SOCIETY  
SAKSHAM A SOCIETY FOR INDIVIDUAL
31484283  
DEVELOP
SVRAN APEEJAY INSTITUTE OF
31480959  
MANAGEMENT
INLAND IMPORTERS AND CONSUMERS
36240758  
ASSO
20429230 JAGANNATH INTL MGMT SCHOOL Customer Interest, PG Demonstration to be given to Director
20429230 JAGANNATH INTL MGMT SCHOOL Customer Interest, PG Demonstration to be given to Director
AHIMSA HEALTHCARE AND EDUCATION
63671229  
SOCIETY
66415953 NEW DELHI INSTITUTE OF MANAGEMENT  
67479123 THE MODERN SCHOOL A UNIT OF D I H E Customer Interest, PG Demonstration to be given to Director
115670236 THE MODERN SCHOOL Customer Interest, PG Demonstration to be given to Director
118877492 TAPA EDUCATIONAL SOCIETY  
129023616 ARSHA VIDYA MANDIR  
129457569 DELHI INST OF HIGHER EDUCATION U/O  
 NCET
BRUK AXS ANA INST PL EMP GRP GRA
51854696  
ASS SC
SHAIL EDUCATIONAL AND WELFARE
52122834  
SOCIETY
CITY BELLS EDUCATIONAL AND
55619395  
WELFARE SOCIE
58535680 SHES AGAINST RAPE INITIATIVE  
62254021 JAI BAGHESUR EDUCATIONAL TRUST  
63096912 TEAMWORK EDUCATION FOUNDATION  
INST OF TRAINING FOR KNITS AND
68085048  
TEXTILE
73544246 GYAN PUBLIC EDUCATION SOCIETY  
113360950 EMPOWER FOUNDATION  
113408048 WALKING SCHOOL BUS FOUNDATION  
113870789 JAGDAMBA EDUCATIONAL SOCIETY  
114709148 JAGDAMBA PUBLIC SCHOOL  
S N CULTURAL AND EDUCATIONAL
117358550  
TRUST
118030198 RBS EDUCATIONAL TRUST  
118786921 AIRA GB PANT GOVT ENGN COLLEGE  
127160188 KSM EDUCATION FOUNDATION  
cod_cust Customer_name Ecom Pent.
5617361 VISHVAS FOUNDATION No
DIPAK AND RUPA SOOD EDUCATION
47059742 No
TRUST
7838862 RAMA KRISHANA PUBLIC SCHOOL No
7838868 R K EDUCATIONAL SOCIETY No
32654159 SHRI BALAJI EDUCATION TRUST No
72370333 FTC FOUNDATION No
112548072 SIGNATURE GLOBAL FOUNDATION No
114412265 VRINDA INTERNATIONAL SCHOOL No
114889236 STERLING TOOLS FOUNDATION No
59934329 AGGARWAL VIDYA PRACHARNI SABHA No
K L MEHTA DAYANAND COLLEGE FOR
117328138 No
WOMEN
2073897 SHANTI NIKETAN PUBLIC SCHOOL No
128905359 HERITAGE GLOBAL SCHOOL No
129024017 JIVA PUBLIC SCHOOL ATL GRANT No
73345344 SATYA SALUJA LITERACY FOUNDATION No
73655643 V M SHIKSHA MANDAL No
47631254 SAI COLLEGE OF LAW  
6575164 UTTRANCHAL EDUCATION TRUST  
S B MILLS SR SEC SCHOOL ALUMNI
6645526  
ASSOC REG
JAGANNATH INTERNATIONAL MGMT
457097 Customer Interest, PG Demonstration to be given to Director
SCHOOL
DELHI INSTITUTE OF HIGHER
22116615 Customer Interest, PG Demonstration to be given to Director
EDUCATION
SAI MURTI SHAH EDUCATIONAL
28283830  
SOCIETY
45787935 EIILM UNIVERSITY  
21619960 SCHOOL OF MANAGEMENT SCIENCES  
21620354 DELHI BUSINESS SCHOOL UNIT OF SMS  
28963418 PAMA EDUCATIONAL AND HUMAN  
 WELFARE SOCI
DELHI INSTITUTE OF HIGHER
32930065  
EDUCATION
DR ZAKIR HUSSAIN INSTITUTE OF
47806949  
TECHNOLOGY
ANGURI DEVI MEMORIAL CHART
47647328  
RESEARCH INST
31482313 APEE JAY EDUCATION S  
31483287 KALKA NAGRIK SAMITI  
31484243 KALKAJI VEOPOR MANDAL  
31484147 SERVICE PERSONNEL CGHS LTD  
31484242 RAJESHWARI CO OP GRO  
31484747 APEEJAY COLL OF ENGG SOHNA  
31484328 APJ SCHOOL SHEIKH SARAI NIE  
31484239 DR STYA PAUL CO OPE  
SRI HARI BHURAMAL DWARKA PRASAD
31484941  
D
31485233 DR STYA PAUL EDUCATION SOCIETY  
SAKSHAM A SOCIETY FOR INDIVIDUAL
31484283  
DEVELOP
SVRAN APEEJAY INSTITUTE OF
31480959  
MANAGEMENT
INLAND IMPORTERS AND CONSUMERS
36240758  
ASSO
20429230 JAGANNATH INTL MGMT SCHOOL Customer Interest, PG Demonstration to be given to Director
20429230 JAGANNATH INTL MGMT SCHOOL Customer Interest, PG Demonstration to be given to Director
AHIMSA HEALTHCARE AND EDUCATION
63671229  
SOCIETY
66415953 NEW DELHI INSTITUTE OF MANAGEMENT  
67479123 THE MODERN SCHOOL A UNIT OF D I H E Customer Interest, PG Demonstration to be given to Director
115670236 THE MODERN SCHOOL Customer Interest, PG Demonstration to be given to Director
118877492 TAPA EDUCATIONAL SOCIETY  
129023616 ARSHA VIDYA MANDIR  
DELHI INST OF HIGHER EDUCATION U/O
129457569  
NCET
BRUK AXS ANA INST PL EMP GRP GRA
51854696  
ASS SC
SHAIL EDUCATIONAL AND WELFARE
52122834  
SOCIETY
CITY BELLS EDUCATIONAL AND
55619395  
WELFARE SOCIE
58535680 SHES AGAINST RAPE INITIATIVE  
62254021 JAI BAGHESUR EDUCATIONAL TRUST  
63096912 TEAMWORK EDUCATION FOUNDATION  
INST OF TRAINING FOR KNITS AND
68085048  
TEXTILE
73544246 GYAN PUBLIC EDUCATION SOCIETY  
113360950 EMPOWER FOUNDATION  
113408048 WALKING SCHOOL BUS FOUNDATION  
113870789 JAGDAMBA EDUCATIONAL SOCIETY  
114709148 JAGDAMBA PUBLIC SCHOOL  
S N CULTURAL AND EDUCATIONAL
117358550  
TRUST
118030198 RBS EDUCATIONAL TRUST  
118786921 AIRA GB PANT GOVT ENGN COLLEGE  
127160188 KSM EDUCATION FOUNDATION  
 This is the final summery till my tenure. The total number of clients added on date when I
was part of the team.

Existing Education Base

No. of not Converted

Base Base( Non PG / Not met( Marked in No. of calls in Follow doable ( Marked
CH name
Non CMS) white) up( marked in YELLOW) cases( marke in
d in RED) GREEN)

Rahul Upadhyay 300 284 3 9 4

Dheeraj Bhargava 51 36 11 3 1

Gopal Aggarwal 147 147 0 0 0

Shiv Choudhry Total 498 467 6 20 5

NTB Education Base

No. of not Converted

Base( Non PG / Non Not met ( marked in No. of calls in Follow doable ( Marked
CH name
CMS) white) up( marked in YELLOW) cases( marke in
d in RED) GREEN)

Rahul Upadhyay 27 27 0 0 0

Dheeraj Bhargava 17 17 0 0 0

Gopal Aggarwal 26 26 0 0 0

Shiv Choudhry Total 70 70 0 0 0

Other than this follow up with clients on a regular basis I also analysed budget of five
ministries and their prominent schemes for the same that can be used by the business team so
that we can have a cashflow flowing through our channel and payment gateway.
The five ministry being
1. Ministry of HRD
2. Ministry of health
3. Ministry of Jal Shakti
4. Ministry of Tourism
5. Ministry of Agriculture and Animal Husbandry

Contacted the concern IAS officer and their sectaries for a meeting so that we can provide
their respected schemes with our banking solution and make business with them.

HEFA

Prepared a replica of this scheme as a proposal to senior management to bypass it or include

it in our higher education schemes as it was already diverting all our fund and business to psu
banks.
The proposal by the government was to raise funds instead of bonds through HEFA and cut
grants given because of which our business in education sector would significantly reduce in
coming years.

This was the proposed fund flow through ministry to institutions and to tackle and hold this
fund was being objective.

SMARTCITY FARIDABAD
A dedicated accelerator program for startups working in the smart city space is a key
component of the smart city project. The Accelerator is supported by HDFC BANK’s
dedicated knowledge team who have been actively partnering with various Smart Cities
initiatives and providing advisory services to stakeholders by leveraging the in-house urban-
infra knowledge expertise.
Smart mobility
 • City Management Data and Analytics Dashboard
• Toll Collection management
• Real time parking management
• Mobile transport route management
• Intelligent and Optimized public transport
• City Vehicle Management
• Visitor management systems and online portal for tourist places
• Public Transport Management- Routes & Occupancy
Smart Energy
• Smart Meters & Smart Grids
• Micro Grid Management
• Gas Distribution Management
• Smart Water Management
• Water Logging Alert
• Auto Storm Drainage Outlet Gates Operation
• Sensor based Water Logging Alerts for city commuters
• Water Distribution Optimization
• Leakages and Contamination monitoring
• Pressure management in water supply network
• Public Services
Buildings
• Connected Homes
• Real Time Project estimation system
• SMART green building solution
• Disparate Buildings Management
• High Performance Buildings
• Construction Solutions – Risk Management, Infra Access etc
• Building energy management system
City & Data Management
• Efficient Data Center
 • Data sharing platforms
• Analytics center
• File Tracking System
• Maintenance Schedules and Monitoring for Public Utilities
Public Services
• Public Safety – Video Monitoring
• Monitoring & Analyzing Public Infra
• Safety reporting and real time health monitoring
• Public Facility Locator
• Public Scheme Benefit Management
• City Crime Map
• Smart elderly and disabled care
• Public Healthcare monitoring
• Epidemic/Communicative disease monitoring dashboard
• Smart payment for City utilities
• Basic smart public healthcare

State Bank NMRC CITY1 Card, is a contactless dual interface (EMV chip based) prepaid
card with stored value functionality for providing a safe, secure and seamless way of
payment. Apart from a simple way to pay fares in the Noida – Greater Noida Metro, this card
offers extended usage in Noida Metro buses as well. Compartmentalization of amount for
different utilities such as transit amongst others is a unique feature of this State Bank NMRC
CITY1 Card, which can be used for purchase of tickets or loading of passes for metro as well
as buses, using the store value of the card. Looking this as a great initiative HDFC was
looking to replicate it and implement it in Faridabad. Integrating it with all the above
mentioned attributes.

This is the sample card by which we would replicate smart city project of Faridabad smart
city.
  Cashless travels in Noida-Greater Noida Metro
 Purchase tickets and store passes for your Metro travel needs.
 Purchase tickets for the Noida buses using the same card
 Chip-protection to ensure better security for your card
 Easy to use Tap-and-Pay functionality

Final conclusion of job analysis

This is the final report of money inflow through all the various segment of business in my term in the
team of MAY month as you can see that there is an increase in CASA from education and society
majorly because we started a drive called society connect and education segment because of fee
collection time period.
Huge inflow from trust segment for FDs and education trust being the one driving the CASA up.

Total liabilities ending up to 293 crores in MAY

LEARNING OUTCOME
Team working – you may have had the experience of working in groups on assignments, but most
workplaces are built on teams and you need to learn to work well with other people and value each
other’s’ strengths and contribution.
Communication – you will have to learn to communicate clearly and succinctly both in writing and
orally, often making quick points in the cut and thrust of meetings.
Interpersonal skills – working with people at all levels.
Planning, organizing and time management – not only do you have to get to and leave work at set
times but you will also have to learn to juggle different priorities and work on several projects
simultaneously.
Problem-solving and decision-making – you won’t always be able to rely on other people to tell you
what to do! It is important to be able to act on your own initiative.
Numeracy and IT literacy – both are important skills, along with oral and written communication.
Ability to appear self-confident – students may appear diffident at college, and their tutors take this as
a sign of humility, or not notice if they produce good work. However, in the business world diffidence
may be misinterpreted as failure to engage.
Negotiation skills – for example, over conflicting priorities, or if there is a particular way in which
you want the organization to help you achieve a learning objective.
Ability to understand, and adapt to, the workplace culture, as well as the particular demands it places
upon you.
Increase in commercial awareness by understanding management practices and the way organizations
work. In particular, how are decisions made and who holds the power? What are the main factors in
the company’s external environment, e.g. clients, competitors, that affect its products and
performance? What is the company culture, and how can you fit in? Are there specific cultural
differences which you need to be aware of?

Skills to enhance

Refine your communication, collaboration and leadership skills.

Apply analytical decision-making tools to develop solutions to problems.
Assess ethical and sustainability dimensions of business decisions.
Evaluate global dimensions of business decisions with regard to social and economic considerations.
Integrate knowledge across business functions
RELEVANCE OF SUGGESTIONS

HEFA
During my internship, I was told analyse the budget and eyeball all the prominent schemes during
which I came across a new government organization called HEFA. This was regarding the education
business segment of hdfc bank has a huge impact on our revenue, during my analysis if budget and
our earning through high education business I came across that HEFA has been slowly acquiring our
business from this segment and leaking it to PSU banks such as canara bank.
My made my point in the meeting and was instructed to find more about HEFA and how can we
partner with them by meeting the concerned authorities or to find a plan B by making our own HEFA
for private institutions and corporates as HEFA was an organizing which was providing loans to these
institutions with issuing bonds and not taking loans from the bank and hence reducing the asset side
of the company.
Also creating a private model like HEFA will also led to limitless growth for the bank and will lead to
long customer relations and business for the bank.

Faridabad smart city project

A dedicated accelerator program for start-ups working in the smart city space is a key
component of the smart city project. The Accelerator is supported by HDFC BANK’s
dedicated knowledge team who have been actively partnering with various Smart Cities
initiatives and providing advisory services to stakeholders by leveraging the in-house urban-
infra knowledge expertise.
Smart mobility
• City Management Data and Analytics Dashboard
• Toll Collection management
• Real time parking management
• Mobile transport route management
• Intelligent and Optimized public transport
• City Vehicle Management
• Visitor management systems and online portal for tourist places
• Public Transport Management- Routes & Occupancy
Smart Energy
• Smart Meters & Smart Grids
• Micro Grid Management
 • Gas Distribution Management
• Smart Water Management
• Water Logging Alert
• Auto Storm Drainage Outlet Gates Operation
• Sensor based Water Logging Alerts for city commuters
• Water Distribution Optimization
• Leakages and Contamination monitoring
• Pressure management in water supply network
• Public Services
Buildings
• Connected Homes
• Real Time Project estimation system
• SMART green building solution
• Disparate Buildings Management
• High Performance Buildings
• Construction Solutions – Risk Management, Infra Access etc
• Building energy management system
City & Data Management
• Efficient Data Center
• Data sharing platforms
• Analytics center
• File Tracking System
• Maintenance Schedules and Monitoring for Public Utilities
Public Services
• Public Safety – Video Monitoring
• Monitoring & Analyzing Public Infra
• Safety reporting and real time health monitoring
• Public Facility Locator
• Public Scheme Benefit Management
• City Crime Map
• Smart elderly and disabled care
• Public Healthcare monitoring
• Epidemic/Communicative disease monitoring dashboard
• Smart payment for City utilities
• Basic smart public healthcare
References

https://www.hdfcbank.com/htdocs/wholesale/fit/financial_institutions/custodial_services/custodial_se
rvice.htm
https://www.hdfcbank.com/wholesale/gs/default.htm