SUMMER TRAINING PRESENTATION

ON

´ STUDY ANALYSIS OF COMPETETIORS PRODUCT FEATURES IN LOCAL MARKETµ

DETAILS OF SUMMER TRAINING
1.Organization : HDFC BANK 2. Location: JABALPUR (M.P.) 3. Training Period: 28 June 2010 ± 31 July 2010 4. Sample Area: Jabalpur City 5. Study Focus: Retail Banking 6. External Guide : Shri Dhiraj Bharadwaj (Branch Manager) & Shri Prashant Shukla (Manager, Retail Dept.) 7. Internal Guide: Shri Yashwant Sir

OVERVIEW OF THE ORGANIZATION

1. INTRODUCTION & HISTORY 2. BUSINESS FOCUS 3. BANKING PRODUCTS OFFERED

OVERVIEW OF THE PROJECT
1. 2.

3.

Name of the Project: µ STUDY ANALYSIS OF COMPETITORS PRODUCT FEATURES IN LOCAL MARKET¶ Products Covered:  SAVINGS ACCOUNT  CURRENT ACCOUNT  FIXED DEPODIT RECEIPT  RETAIL SALE OF GOLD  LOCKERS FACILITY  MUTUAL FUNDS  ONLINE TRADING & DEMAT ACCOUNT Banks Covered:  HDFC BANK  Axis Bank  IDBI Bank  BOI  SBI Significance of the Project Learning from the study

4. 5.

RESEARCH METHODLOGY
Research methodology is a systematic way, which consists of series of action steps, necessary to effectively carry out research in the desired sequence of the steps. It consists of the following steps:     

Formulating the objective of the study Designing the methods of data collection Selecting the sample plan Collecting the data Processing and analyzing the data Reporting the findings

STEPS OF MY RESEARCH«««.
OBJECTIVES OF STUDY RESEARCH DESIGN
SAMPLE DESIGN DATA COLLECTION DATA ANALYSIS & INTERPRETATION REPORT OF FINDINGS

OBJECTIVES OF THE STUDY

To study broad comparison of the products offered by different banks To understand the importance of banking sector. Strengths and features associated with different products of banks Competitive analysis of different banks To study the role of bank in Indian Market. Different types of services provided by the banks. Though the Indian Banking System is very wide and elaborated, still the project covers the Products offered in concise manner. The study aims at understanding the operations associated with the various types of Banks, & various methodologies undertaken.

RESEARCH DESIGN
Research design is the conceptual structure within which research is conducted & which constitutes the blueprint for collection, measurement & analysis of data.My Research Design was Descriptive Research Design. It includes:   

Sampling Design Statistical Design Observational Design Operational Design

SAMPLING DESIGNS
A Sample Design is a definite plan for obtaining a sample from a given population. It refers to the technique or the procedure adopted in selecting items for the sample. It includes:      

Types of Universe Sampling Unit Source List Size of Sample Parameters of interest Budgetary constraints Sampling Procedures

DATA COLLECTION
After deciding the research objectives & designing the research & sample design, the researcher collects two types of data:1. 2.

PRIMARY DATA SECONDARY DATA

CURRENT ACCOUNT
HDFC BANK

AXIS BANK

IDBI BANK

BOI BANK

SBI BANK

Plus CA Trades CA Premium Regular Flexi CA Apex CA Max CA Max Advantage 9. Max Advantage. Plus CA 10. RFC CA 1. 2. 3. 4. 5. 6. 7. 8.

1. Normal 2. Business Advantage 3. Business Select 4. Business Classic CA 5. Business Privilege CA 6. Channel One CA 7. Krishi CA 8. Business Global CA 9. Club 50 CA 10. CA for Govt.

Plus CA Trades CA Premium Regular Flexi CA Apex CA Max CA Max Advantage 9. Max Ad. Plus CA 10. RFC CA 1. 2. 3. 4. 5. 6. 7. 8.

1. Star Benefit CD 2. Normal CDS 3. Super Current Plus 4. Star Gold 5. Star Diamond CA 6. Star Diamond Plus 7. Star Diamond Plus

1. SBI CURRENT ACCOUNT

SAVINGS ACCOUNT
HDFC BANK

AXIS BANK

IDBI BANK

BOI BANK

SBI BANK

REGULAR SA SAVING PLUS SAVING MAX SENIOR CITIZEN A/C 5. NO FRILLS 6. SALARY A/C 7. KIDS SA 8. PENSION SA 9. FAMILY SA 10. KISAN NO FRILLS 11. KISAN CLUB 1. 2. 3. 4.

1. ZERO BALANCE SA 2. KRISHI SA 3. EASY ACCESS 4. PRIME SA 5. CORPORATE 6. SALARY 7. WOMEN S 8. PRIORITY BANKING 9. SENIOR
CITIZEN 10. DEFENCE SALARY A/C 11. TRUSTS/NGO A/C

1. 2. 3. 4. 5. 6. 7. 8.

12. AZZADI NO FRILLS 13. RFC(D) 14. PENSION SA

SUPER SAVING SUPER SHAKTI JUBILEE PLUS SA KIDS A/C ACESS PLUS CORPORATE PAYROLL GALAXY ACCOUNT SABKA ACCOUNT

1. 2. 3. 4. 5. 6.

STAR SURAKSHA ORDINARY NO FRILLS SA SAVING PLUS SCHEME DIAMOND SA POWER SALARY SA

1.

1.SAVING BANK ACCOUNT 2.SAVING PLUS ACCOUNT

2.

COMPARISON OF SA / CA ACCOUNTS
HDFC BANK
HIGH AQB

AXIS BANK
HIGH AQB

IDBI BANK
VARIABLE AQB HIGH NMC HIGH CHARGES GOOD SERVICES
DOCTOR S ACCOUNT

BOI BANK
VARIABLE AQB LOW NMC LOW CHARGES
INTERMEDIA TE SERVICES FREE INSURANCE NO SPECIAL CARDS

SBI BANK
LOW AQB

HIGH NMC HIGH CHARGES EXCELLEN T SERVICES DOORSTEP BANKING GIFT PLUS CARD

HIGH NMC HIGH CHARGES EXCELLEN T SERVICES DOORSTEP BANKING
REMITTANCE / ANNUITY CARD

LOW NMC LOW CHARGES GOOD SERVICES ATM FACILITY
VISHWAYAT RA CARD

KIDS DEBIT CARD

FIXED DEPOSIT RECEIPT
HDFC BANK
SUPER SAVER FACILITY

AXIS BANK
REINVESTMEN T PLANS

IDBI BANK
MONTHLY / QUATERLY FDs

BOI BANK
DOUBLE BENEFIT DEPOSIT SHORT TERM DEPOSIT

SBI BANK
DOMESTIC TERM DEPOSITS REINVESTMEN T DEPOSITS

SWEEP IN FACILITY

AUTOMATIC ROLLOVER

QUATERLY INCOME FDs

5 YEAR TAX SAVING PLAN

TAX SAVINGS PLAN

OVERDRAFT AGAINST FD

FIXED TERM DEPOSIT QUATERLY / MNTHLY DEPOSSITS

TAX SAVINGS SCHEMES

EXCELLENT SERVICES

ENCASH 24

SWEEP IN FACILITY

SBI MODS

NO PENALTY FOR PW

CHARGED

CHARGED

NO PENALTY

PENALTY

VARIABLE IR

VARIABLE IR

VARIABLE IR

VARIABLE IR

VARIABLE IR

LOCKERS SERVICE
HDFC BANK
5 LOCKERS CATEGORY

AXIS BANK
11 LOCKERS CATEGORY

BOI BANK
11 LOCKERS CATEGORY

SBI BANK
4 LOCKER CATEGORY

VOL b/w 864 13824 cu in.

VOL b/w 800 12284 cu in.

VOL b/w 800 10000 cu in

VOL b/w 1000 4000 cu in.

METRO 1250 20000

METRO 1000 16500

METROS 900 4200

METRO 750 5000

URBAN 1000 15000

URBAN 1000 16500

URBAN 725 2800

URBAN 750 5000

SEMI URBAN 1000 11000

SEMI URBAN 750 - 13500

SEMI - URBAN 725 - 2800

SEMI URBAN 650 - 4000

RURAL 500 9000

RURAL 750 13500

RURAL 400 2800

RURAL 600 4000

RETAIL SALE OF GOLD
HDFC BANK AXIS BANK BOI BANK SBI BANK

1200 BRANCHES

850 BRANCHES

2200 BRANCHES

1100 BRANCHES

MUDRA

MOHUR

RETAIL SALE OF GOLD

RETAIL SALE OF GOLD

2.5 to 50 gms

5 gm 50 gms

4 gm 50 gms

2 gm 50 gm

Rectangular / Heart Shaped

Coins / Bars

Round / Oval / rectangular

INGOT Shape / Gold Coins

Tampered Proof certicard packs

Tampered Proof certicard packs

Tampered Proof certicard packs

Tampered Proof certicard packs

24 Carat Pure Gold

24 Carat Pure Gold

24 Carat Pure Gold

24 Carat Pure Gold

MUTUAL FUNDS
HDFC BANK
65 SCHEMES HDFC, Std. Life HDFC AMC Ltd.
SIP/SWP/STP/ DTP

AXIS BANK

IDBI BANK

SBI
70 SCHEMES SBI
SBI FUND MANAGEMENT Ltd.

8 SCHEMES Axis Bank Limited
AXIS AMC Ltd.

2 SCHEMES

IDBI Bank PFS

IDBI AM Ltd. SIP/SWP
IDBI LIQUID FUND

SIP
TRIPLE ADVANTAGE

SIP/SWP
SBI MAGNUM CONTRA

HDFC TOP 200 MF

LOANS

HOME LOANS

PERSONAL LOANS

AUTO LOAN

EDUCATION LOAN

DEMAT / ONLINE TRADING ACCOUNT
Trade. hdfcsec.c om DEMATERIALIZATIO REMATERIALIZATIO RECIEPTOF N N HYPOTHECATION CORPORATE BENEFITS IPO, RIGHTS, PUBLIC INTERNET BASED ISSUE MOBILE/TELEPHONE SERVCES TXN. /SERVICES BASEED HOLDINGS STATEMENTS ONLINE PORTAL ALLIANCE SECURITY 128 BIT PARTNER DELIEVERY BASED ENCRYPTION SQUARE OFF TRADING FUTURE & OPTIONS TRADING BROKERAGE TRADING CHARGES OTHER CHARGES

eZtrade@ sbi

Online Share Trading (OLST)

IDBI Paisa builder

MY EXPERIENCE

AND INTERPRETATION

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