A

STUDY ON

WORKING PROCESS AND TECHNIQUES

AT

HDFC BANK LTD

SUBMITTED BY
T.VINAY KUMAR

H. T. No 1325-20-672-272

Project submitted in partial fulfillment for the award of the Degree of

MASTER OF BUSINESS ADMINISTRATION

Department of Business Administration

Aurora’s PG College (MCA) Ramanthapur

(Affiliated to Osmania University)

2020-2022
 DECLARATION

I hereby declare that this Project Report titled “A STUDY OF WORKING

PROCESS AND TECHNIQUES OF HDFC BANK LTD ” submitted by me
in partial fulfilment of Master of Business Administration in Aurora’s P.G.
College (MCA), Ramanthapur, Osmania University, Hyderabad, is a bonafide
work undertaken by me and it is not submitted to any other University or
Institution for the award of any degree diploma / certificate or published any time
before.

T. VINAY KUMAR Signature of the Student

(H.T.No. 1325-20-672-272)
 Aurora’s PG College (MCA)
Ganesh Nagar, Ramanthapur, Hyderabad- 500013, Ph: 040-27030787
(Affiliated to Osmania University)

CERTIFICATE

This is to certify that the Project Report entitled “A STUDY OF PROCESS

AND TYECHNIQUES AT HDFC BANK” submitted in partial fulfilment for
the award of MBA Programme of Department of Business Management,
Aurora’s P.G. College (MCA), Ramanthapur, affiliated to Osmania University,
Hyderabad, was carried out by T.VINAY KUMAR with H.T. No: 1325-20-672-
272 under our guidance. This has not been submitted to any other University or
Institution for the award of any degree/diploma/certificate.

Internal Guide Head of the Department Principal

 ACKNOWLEDGEMENT

This acknowledgement is a humble attempt to earnestly thank all those

who are directly or indirectly involved with my project and were of immense help
to me.

First of all, I would like to express my sincere thanks to the Principal of my

college Dr. M. MADHAVI and H.O.D of MBA department, Dr. CH. SATISH
KUMAR for giving me this opportunity to carry out the project. I acknowledge
with greatest courtesy the efforts taken by MS.K.SHILPA is my Internal guide,
who took genuine interest in my project and helped me, understand the basic
concepts of the project when necessary.

I am also thankful to my parents for their support during my project work.

T.VINAY KUMAR
 ABSTRACT

A fund flow statement is a technical device designed to analyse, the changes in

the financial condition of a business. It is also called as a ‘statement of sources
and applications of funds. The fund flow statement is becoming popular with the
management because it not only helps them in analysing financial operation,
providing basis for comparison with budgets, and serving as a tool of
communication, but also explains the financial consequences of operations such
as the reason why the bank balance is getting thinner.

There is a general recognition in industry and business and among professional

accounting bodies that financial statements should provide relevant information
which sub serves the multiple objectives of shareholders, investors, creditors,
customers and the public and which enable them to arrive at rational economic
decisions. Normally what the shareholders look for in these statements is an
account of the stewardship of the firm and the amount which may be expected as
dividend. Potential investors look upon funds flow statement as the source of their
realistic view of the value of a company’s shares in terms of an expected futures
stream of distribution and judge the efficiency of the management accordingly.
 INDEX

TABLE OF CONTENTS
CHAPTER Page No

LIST OF TABLES i
LIST OF GRAPHS ii

CHAPTER 1 INTRODUCTION 01-12

1.1 INTRODUCTION 01-06

1.2 NEED OF THE STUDY 07

1.3 SCOPE OF THE STUDY 08

1.4 OBJECTIVES OF THE STUDY 09

1.5 RESEARCH METHODOLOGY 10-12

CHAPTER 2 REVIEW OF LITERATURE 12-41

2.1 THEORETICAL BACKGROUND 12-31

2.2 LITERATURE REVIEW 32-41

CHAPTER 3 INDUSTRY PROFILE&COMPANY PROFILE 42-56

3.1 INDUSTRY PROFILE 42-49
3.2 COMPANY PROFILE 50-56

CHAPTER 4 DATA ANALYSIS & INTERPRETATION 57-70

DATA ANALYSIS & INTERPRATATION

CHAPTER 5 SUMMARY & CONCLUSIONS 71-74

5.1 FINDINGS 71

5.2 SUGGESTIONS 72

5.3 LIMITATIONS 73
5.4 CONCLUSIONS 74
BIBLIOGRAPHY 75
 LIST OF TABLES

TABLE TABLE NAME PAGE

No. No.
4.1 GENDER 57
4.2 AGE 58
4.3 Experience 59
4.4 Educational Leve 60
4.5 Does you satisfied about working process in this bank? 61
4.6 Over the past three years, the bank financial performance has 62
exceeded that of the competitors

4.7 bank pursues customer relationships and involvement that goes 63

beyond sales transactions

4.8 level of bank linkage with our major customer through information 64
networks

4.9 bank periodically evaluates the importance of our relationship with 65

our customers.

4.10 Planning, forecasting, and innovation are collaboratively done in 66

this bank.

4.11 We strive to be highly responsive to our customers' needs 67

4.12 We frequently measure and evaluate customer satisfaction 68
4.13 bank frequently determines future customer expectations. 69
4.14 bank follows up with customers for feedback 70
 LIST OF GRAPHS

GRAPH GRAPH NAME PAGE

No. No.
4.1 GENDER 57
4.2 AGE 58
4.3 Experience 59
4.4 Educational Leve 60
4.5 Does you satisfied about working process in this bank? 61
4.6 Over the past three years, the bank financial performance has 62
exceeded that of the competitors

4.7 bank pursues customer relationships and involvement that goes 63

beyond sales transactions

4.8 level of bank linkage with our major customer through 64

information networks

4.9 bank periodically evaluates the importance of our relationship 65

with our customers.

4.10 Planning, forecasting, and innovation are collaboratively done in 66

this bank.

4.11 We strive to be highly responsive to our customers' needs 67

4.12 We frequently measure and evaluate customer satisfaction 68
4.13 bank frequently determines future customer expectations. 69
4.14 bank follows up with customers for feedback 70
 CHAPTER – I

INTRODUCTION
 CHAPTER – II

THEORATICAL FRAME WORK

AND

REVIEW OF LITERATURE
 CHAPTER – III

INDUSTRY PROFILE

AND

COMPANY PROFILE
 CHAPTER – IV

DATA ANALYSIS

AND

INTERPRETATION
CHAPTER – V

FINDINGS

SUGGESTIONS

CONCLUSION

LIMITATIONS

CONCLUSION
BIBILIOGRAPHY