WE UNDERSTAND YOUR WORLD

PROJECT COMPILED BY  JIGAR CHITALIA     URVI GALA KHUSHBOO SHAH MIRAL VADHAN DIPTI SURVE 05 10 41 60 75 UNDER THE GUIDANCE OF PROF. SANJAY RODE .

INTRODUCTION BACKGROUND OBJECTIVES ORGANISATIONAL GOALS BUSINESS STRATEGY PRODUCT AND SERVICES SERVICES TO CONSUMERS MERGER WITH CENTURION BANK OF PUNJAB SWOT ANALYSIS MILESTONE IN THE HISTORY BIBLIOGRAPHY . 9.INDEX 1. 8. 3. 4. 6. 10. 7. 2. 11. 5.

incorporated in August 1994. in 771 cities in India.412 branches and over 3.INTRODUCTION HDFC Bank Ltd. a premier housing finance company (set up in 1977) of India. is a commercial bank of India.898 ATMs.  HDFC Bank has 1. The Bank was promoted by the Housing Development Finance Corporation. after the Reserve Bank of India allowed establishing private sector banks. . and all branches of the bank are linked on an online real-time basis.

100 million.that of promoting home ownership by providing long-term finance to households for their housing needs.   . • Today the Bank has a nationwide network of over 1725 branches and 3898 ATMs spread over 771 towns and cities across India. • The bank has now emerged as a banking and finance giant with the innovation of numerous breakthrough banking products and services. HDFC was promoted with an initial share capital of Rs.BACKGROUND • HDFC was incorporated in 1977 with the primary objective of meeting a social need .

· To increase the business of the bank. SECONDARY OBJECTIVES: · To determine the need and purpose of a sales executive.OBJECTIVES PRIMARY OBJECTIVES: · To open new savings accounts by convincing customers and to promote the benefits of those which are provided by the bank. . · To offer suggestions based upon the findings. · To find the different way of convincing customers. · To understand the deciding criteria for people to become sales executive. · To study brand image of the bank.

. Provide consistently high returns to shareholders. To grow through diversification by leveraging off the existing client base. Maintain its position as the premier housing finance institution in the country.ORGANISATIONAL GOAL      Develop close relationships with individual households. Transform ideas into convencing and creative solutions.

Achieve a healthy growth in profitability Develop new product and technology Maintain good relation with the customers Customer Focus Operational Excellence Product Leadership Reduce risk and enhance returns.BUSINESS STRATERGY HDFC BANK mission is to be "a World Class Indian Bank". .

HDFC BANK PRODUCT AND CUSTOMER SEGMENTS Loan Product · Loan Against Security · Loan Against Property · Personal loan · Credit card · Commercial vehicles finance · Home loans · Retail business banking · Working Capital Finance · Health Care Finance · Education Loan · Gold Loan Deposit Product Investment & Insurance · Saving a/c · Current a/c · Fixed deposit · Demat a/c · Safe Deposit Lockers · Mutual Fund · Bonds · Knowledge Centre · Insurance · General and Health Insurance · Equity and Derivatives · Mudra Gold Bar .

SERVICES TO CUSTOMERS NETBANKING 24 HOURS ATM SERVICES 40% FASTER DEBIT CARD CREDIT CARD FACILITY CUSTOMER CARE PAYMENT SERVICES PHONE BANKING .

Merger with Centurion Bank of Punjab Limited .

200 billion and net advances of around Rs.• Approval By RBI on MAY 23. 850billion .2008. 1. • All the branches of Centurion Bank of Punjab will function as branches of HDFC Bank • The combined entity have a nationwide network of 1.148 branches (the largest amongst private sector Banks) • A strong deposit base of around Rs.

The management of the bank is termed to be one of the best in the country. Dedicated workforce aiming at making a long-term career in the field. • 5. • 2 . Large share of low-cost deposits. Management cover insufficient. Processes and systems. STRENGTHS • 1. higher net interest margin WEAKNESSES • 1. Lower response time with efficient and effective service. • 3. High degree of customer satisfaction. • 6. • 2.Customer service staff needs training. HDFC is the strongest and most venerable play on Indian mortgages over the long term.SWOT – HDFC SWOT Analysis is a strategic planning method involved in a project or in a business venture. • 3. • 5. High dependence on individual loans.Sectoral growth is constrained by low unemployment levels and competition for staff . • 4. etc need to be better managed • 4. HDFC has been highly proactive in passing on the cost and benefit to customers.

Could extend to overseas broadly 4. which are known for their state of art working and keeping low operation costs. Higher than expected increase in funding cost 3. Lack of infrastructure in rural areas could constrain investment. Fast growing insurance business in the country.000 . 4. Loss of market share to commercial banks and HFC’s 2. 6. 2. an account needs a minimum balance of Rs. 3. Extension overseas holds a lot of risk! 5. Unlike Government Banks. After showing a significant growth overall. 5.Fast-track career development opportunities on an industry-wide basis. India is able to attract many international financial & banking institutes. Threat from credit card collections dept. THREATS 1.• • • • • • • • • • • • • OPPURTUNITIES 1. Untapped rural markets.10.

MILESTONES IN THE HISTORY 2009 Asia Money 2009 Awards 'Best Domestic Bank in India' IBA Banking Technology Awards 2009 'Best IT Governance Award Runner up' Global Finance Award 'Best Trade Finance Bank in India for 2009 IDRBT Banking Technology Excellence Award 2008 'Best IT Governance and Value Delivery' Asian Banker Excellence in Retail Financial Services 'Asian Banker Best Retail Bank in India Award 2009 ' .

2008 Finance Asia Country Awards for Achievement 2008 'Best Bank and Best Cash’ Management Bank' CNN-IBN 'Indian of the Year (Business)' Nasscom IT User Award 2008 'Best IT Adoption in the Banking Sector' Business India 'Best Bank 2008' Asian Banker Excellence in Retail Financial Services Best Retail Bank 2008 Asia money Best local Cash Management Bank Award 2007 Dun & Bradstreet – American Express Corporate Best Bank Award 2007 'Corporate Best Bank' Award The Bombay Stock Exchange 'Best Corporate Social Responsibility Practice' Award’ Outlook Money & NDTV Profit ‘Best Bank Award in the Private sector category.’ The Asian Banker Excellence in Retail Financial Services Awards ‘Best Retail Bank in India’ .

ACKNOWLEDGEMENT OUR SINCERE THANKS TO PROF. WE ASO THANK HIM FOR CLEARING OUR DOUBTS THAT OCCURRED DURNING THIS PROJECT .SANJAY RODE FOR GIVING US THE PROJECT ON HDFC BANK.

BIBLIOGRAPHY ALL SECONDARY SOURCE OF INFORMATION ARE TAKEN FROM SOME OF THE WEBSITES MENTIONED BELOW →www.hdfcbank.com →www.com →www.google.com .fotosearch.

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