A PROJECT ON

Study Of Corporate Social Responsibility Initiatives

Followed in HDFC Bank LTD.

MASTER OF BUSINESS ADMINISTRATION

SUBMITTED BY
NAME:Ramandeep Kaur

Under the Guidance of

Prof. Ms.Puneet Brar

UNIVERSITY BUSINESS SCHOOL

MAHARAJA RANJIT SINGH PUNJAB

TECHNICALUNIVERSITY,
Dabwali Road, Bathinda-151001
Punjab(India)

DECLARATION
I am Ramandeep kaur, the undersigned hereby declare that the project work titled
“Study OfCorporate Social Responsibility Initiatives Followed in HDFC Bank
 LTD.” submitted in the partial fulfillment of the degree of Master Of Business
Administration, under the guidance of Ms.PuneetBrar(prof.) , is my original work
and has not been submitted elsewhere for the reward of any other degree, diploma,
fellowship, or any other similar title.

NAME
RAMANDEEP KAUR.
 ACKNOWLEDGEMENT

Perseverance, inspiration and motivation have always played a key role in success of
any venture. In the present world of competition, there is a race of existing in which
those who are having willed to come forward succeed. Project is like a bridge
between theoretical and practical working. With willing I join this particular project.

To design and compare a project report is very laborious work, which no student
complete without taking any help from any professional.

First of all, I would like to thank the supreme power of almighty God who is
obviously the one who has always guided us to work on right path of our life. 

I express my deep gratitude to my guide for her invaluable guidance during the
project. Her unlimited guidance, innovative ideas and tireless efforts helped along the
way in completing the project. I am also thankful to the staff members for their
encouragement and cooperation in this successful completion of my project.

In the end I would like to thank my parents whom greatly indebted for having me
brought me love and encouragement of this stage

NAME
RAMANDEEP KAUR.

PREFACE
Master of Business Administration is a stepping stone to the Management Career. It
has great pleasure in presenting this research project which is essential in partial
Fulfillment of MBA program. Research Project is an integral part of curriculum and
its purpose is to provide the Student with the practical exposure of the today’s
changing scenario. It helps in the development of practical skills and analytical
thinking process about the investment methods of different people in the present
environment. It provides with basic skills required to perform the survey and
statistical tool needed to analyses the data. Thus it helps in molding the students
according to the requirement of actual world. Simple language has been used
throughout the report. Report is illustrated with figures, charts and diagrams as and
when required.

TABLE OF CONTENTS
I. Introduction
II. CSR in HDFC Bank
III. CSR Initiatives in HDFC Bank
IV. Summary
V. Bibliography

INTRODUCTION
HDFC Bank Limited “The Housing Development Finance Corporation Limited”, is a
publicly held banking company (industrial activity code: 64191) engaged in
providing a range of banking and financial services including commercial banking
and treasury operations. The Bank is governed by the Banking Regulation Act,
1949.The broader definition of a bank is any financial institution that
receive,collects,transfers,pays,exchanges,lends,invests,or safeguards money for its
customers. In simple words,banking,the business of providing financial services to
consumers and businesses .The basic services a bank provides are checking accounts,
which can be used like money to make payments and purchase goods and
services.HDFC Bank is a housing development finance corporation.Mr. Hasmukh
bnai parakh founded HDFC Bank in 1977.This is a public type of bank that was
incorporated in 1994 in India. The Headquarters HDFC Bank is locatrd in Mumbai
,India.It provides loans ,credit cards ,savings,investment vehicals,insurance etc.The
bank has 4,787 branches across 2,691 cities, and in addition, the bank has a network
of12,635 ATM’s across India.This bank also provied its
website(www.hdfcbank.com) that is beneficial for customers to get online services
through multiple delivery channels such as, Phone banking ,Net banking ,SMS based
banking
 CORPORATE SOCIAL RESPONSIBILITY
IN HDFC BANK

At HDFC Bank ,Corporate Social Responsibility is all about developing a business

model that not only creates economic value but also contributes to a healthy
ecosystem and strong communites. .According to HDFC Bank ,CSR seeks to
mainstream economically,physically,socially challenged groups in society ,and to
draw them into the cycle of growth,development and empowerment.A dedicated CSR
team of HDFC Bank drives all its CSR initiatives with the guidance Managing
Directer/ Deputy Managing Directer.The CSR department assists in monitoring of the
CSR projects ,under the hands-on supervision of Ms.Ashima Bhat,Group Head -CSR
and Ms. Nusrat Pathan,Head -CSR.The HDFC Bank CSR department work with
more than 80 implementing agencies like NGOs ,trusts ,societies,also other
corporates. However, the bank CSR activities are reviewed by the CSR committee.
 CSR INITIATIVES IN HDFC BANK

1 . Parivartan
HDFC Bank Corporate Social Responsibilty is taking Parivartan as a umbrella brand
for all its activities.HDFC Parivartan aims to bring about a transformation in the
communities which the bank operates through initiatives in the sectors of education,
skill training and livelihood enhancement ,health care ,environment sustainability and
rural development.

Parivartan transforms
This project began on 1stSeptember 2015.The holistic rural development programme
(HRDP) was successfully completed in 5 villages in Madhya Pradesh ,last
year.Thanks to this initiatives,near about 825 households now have access to potable
water for drinking and farming as well as improved agriculture practices.HDFC Bank
CSR -team has created long-term solutions in partnership with an NGO and the local
community.This project is very beneficial for small farmers,youth,landless,laboures,
children and women.

Rural Development
The CSR team is teaching small farmers organic farming practices ,installing solar-
powered water pumps ,digitising ,schools and coming up with solutions to each
,which got the whole community proactivity involved inthe bettering the village.

Holisitic Rural Development Programme (HRDP) is the flagship project that is

developed for the rural development of the nation The rural population is
predominantly engaged in agriculture and completely dependent on rainfed
irrigation.These initiatives are in line with the Adarsh Gaon Abhiyan of the
Government of India and the UN SDGs.The initiatives are designed on the basis of
their needs and openess.
HRDP’s various initiatives are in the following areas:

Improving educational infrastructure.

Promoting quality education.

Healthcare through health camps and awereness sessions.

Construction of individual household sanitation units.

Natural resources management including micro-watershed management ,rain water

irrigation ,soil and water conservation.

Access of water for drinking and irrigation.

Educating people on renewable energy sources like solar,biogas,biomass etc.

Promoting financial literacy , job-oriention youth training, creating alternate sources

of livelihood.

Drought mitigation

It initial in Maharashtra in Nov.2018 ,Stepping up to the opportunity,the bank in

partnership with an NGO initiated a Drought Mitigation and Awareness Drive to be
implemented in chosen project villages as well as adjacent villages.Activities included
drain widening and deeping ,constructing earthen dams ,check dams ,loose
structures.To address the acute issue of water scarcity,water storage tanks were
arranged at various locations .Awareness sessions on water borne diseases were also
conducted.

Water scarity leads to migration and issues like family and social disorganization . in
order to provide for better job and self-employment opportunities for the youth,the
Bank conducted skill development programme in villages.

Skills Training and Livelihood Enhancement

Skill training and livelihood Enhancement programme provides training and imparts
income generating skills ,primarily in agriculture and allied areas such as dairy and
poultry. The programme aims to skill individuals,helping them to find local jobs
thereby curbing migration.
Sustainable Livelihood Initiative (SLI)

The Sustainable Livelihood Initiatives is aligned with SDG 6 ( Gender equality and
women empowerment) . The bank believes that empowering a single woman can
empower an entire family . The bank guides women from the communities to form
self help groups or joint liability groups . These groups are then trained on
occupational and livelihood finance in addition to providing market linkages .
Under SLI , the bank provides both financial and non-financial services;e.g “Zero
Balance Account” .

Education

Education is the key for developing the economy and transforming an individual’s life
.The Bank strives to promote a conductive learning environment in schools .The
Bank’s efforts in the area of education include teacher training ,HDFC Bank CSR
Parivartan scholarships and career guidance .It also includes provision of
infrastructure support , such as improving classrooms,setting chaires ,constructing
restrooms and so on. These Zero cost ,high impact ideas are the part of HDFC Bank’s
“Teaching-the-Teacher” programme under Parivartan.
Three Flagship Programmes Under The Theme Of Education :-

Zero Investment Innovations for Education Initiatives (ZIIEI)

Project Disha

Education Crisis Scholarship Support (ECSS)

Zero Investment Innovations for Education Initiatives (ZIIEI)

This kind of initiatives seeks to transform education in government schools across
India .It is committed to improving the skills of teachers ,which in turn ,benefits to
students.Along with this transformational journey , the concept of Innovative
Pathshaala was introduced , where each chapter of state curriculum is mapped to
innovative ideas that could be used to engage and teach students.

Project Disha

Project Dishais the another initiative that has helped to achieve higher levels in
reading ,science,numeracy in remote and rural areas of our country.Project disha was
initiated in 2016 and it provides quality education to about 18,000 children.

Education Crisis Scholarship Support (ECSS):-

HDFC Bank CSR under ECSS programme ,educates children from economically and
socially disadvantaged groups who are the most at risk level of dropping out of school
due to sudden financial crisis .The ECSS programme covers students in middle school
,high school as well as scholars pursuing undergraduate and post graduate education.
Thus, ECSS scholarships help pupils to tackle hard situations without affecting their
education.

Health-care and Sanitation

Swashh Bharat Abhiyan and SDSs,HDFC Bank Ltd CSR geared to work towards
fostering behavioural change to improve the Health and Hygiene are the best
inculcated in childhood,awareness camps on health care and hygiene are conducted in
schools .

Core Programmes in Health and Sanitation

Community-led sanitation campaigns that promotevhygiene conditions in rural areas

through appropriate waste water and sewage disposal.
*Construction of washrooms at public places.

*Provision of clean drinking water.

*Health camps,nutrition programs .

*Conducting blood donation drives.

Change for Childhood Cancer

HDFC life joined hands with Cankids kidscan in 2016, to support the cause of
childhood cancer in Tamil Nadu .The families that belongings to the economically
challenged segment of the society ,incapable of affording cancer treatment for their
children ,have been target beneficiaries under CSR initiatives.

HDFC Life helped set up two dedicated cancer wards ;Cankids Hospital Support
Unites hospital for children in chennai.In addition to wards , a full fleged
accommodation facility-Home Away from Home, has been set up which provides
complete accommodation support to the families of the children undergoing cancer
treatment .

Environmental Responsibility

The Bank’s environmental policy articulates that the large loans disbursed by the
bank ,will first be assessed for environmental and social risks.HDFC Bank reverses
the right to either reduce its exposure or recall the loans.

SUMMARY

HDFC Bank corporate social responsibility has positively impacted 5 crore lives
through parivartan.It has collected over 1 million units of blood , constructed or
renovated 7000 restrooms in schools,trained about 7.6 lakh women in self help
groups.Not only is it among the few corporates to adopt an integrated reporting
approach.

BIBLIOGRAPHY

1.Philip kotler (Eight Edition),Marketing Management

2. T.N Chhabra,HRM.
3. www.hdfcbank.com
4. www.slideshare.com.