A SUMMER TRAINING REPORT

ON
"ORGANIZATIONAL STUDY OF H.D.F.C
BANK"

Project Carried Out At
In the partial
fulfllment of the study
Master of Business Administration
GUIDED BY: SUBMITTED
BY:
P!"# Mr$$G$Mori A%&I'
B&ATT
M$B$A
M$B$A SEM#III
YEA ())*#
+)

SUBMITTED T!:
SA,!DAY -!''EGE !" MGT A.D
TE-&.!'!GY
S.C.M.T. AKHIL BHATT
1
'IMBDI
DIST# SUE.DA.AGA
S.C.M.T. AKHIL BHATT
2
PREFACE
Banking industry is the primary requirement fr the finan!ia" de#e"pment f the !untry. $p
t the mid after the "i%era"i&atin' pri#ati&atin' g"%a"i&atin pr!ess pri#ate se!tr %ank' !
perati#e %ank and mu"ti natina" %anks ha#e emerged strng"y. The %anking se!tr has the
ptentia" t %e!me spe!ia" se!tr f the ne(t de!ade. In terms f sa#ings m%i"i&ing'
emp"yment generatin' rura" de#e"pment and a"s finan!ing the g#ernment in %ui"ding up
the infrastru!ture in the e!nmy. Here as management student this t study and %ser#e the
#era"" de#e"pment f the %anking se!tr and h) the market is inf"uen!ed %y the market f
#arius p"ayers.
I rea"i&ed h) theries' prin!ipa"s and the "a)s imp"ied )ith the pra!ti!a" manner.
Thus pra!ti!a" e(psure f the industry is imprtant t "earn and %ser#e fr the management
students. It )as interesting t ha#e summer p"a!ement * industria" training * pr+e!t study at
the H,-C Bank Ltd.
I worked at waghawadi road main branch Bhavnagar and have tried my
best to collect information on marketing, finance and human resource
by visiting each of the department.
S.C.M.T. AKHIL BHATT
.
ACKNOWLEDGEMENT
T a!kn)"edge is #ery great )ay t sh) yur gratitude t)ards the persns )h
ha#e !ntri%uted in yur su!!ess in ne r ther )ay.
I find )rds inadequate t e(press my gratitude t Mr. CHETAN TRIVEDI fr
pr#iding me an pprtunity t !arry ut my summer training as su!h a )e"" reputed and
"eading %ank' HDFC BANK.
At #ery utset f the training I deem it is my pius duty t e(press my sin!ere thanks
t
M/. K01$/ 2A3I /e"atinship manager
M/. HIMA3SH$ T/I40,I Assistant manager
M/./A5H4A3 ,eputy manager
M/.HIT0SH SHAH 6.B. Authri&er
I )u"d "ike t thank 6rf./.5.Mrisir )h has guided me fr my pr+e!t )rk and pr#ided
en!uragement thrugh my training perid.
This study !u"d nt ha#e %een su!!essfu" )ithut the #a"ua%"e input f the !ustmer
f H,-C Bank.
S.C.M.T. AKHIL BHATT
7
EXECUTIVE SUMMARY
There are three )ays f depsiting mney in the %anks' and ne f the )ay is t depsit the
mney' that is !urrent a!!unt. A persn usua""y depsit mney in !urrent fr !arrying ut
day t day transa!tins f %usiness t !arry n the )rk smth"y.
There are many %anks are a#ai"a%"e in the market and they gi#es different types f a!!unt
ser#i!es t the !ustmers. A"s %anks pr#ides different types f ser#i!es t the !ustmers
"ike net %anking' phne %anking' m%i"e %anking. But pep"e f Bha#nagar are nt mu!h
a)are f these type f fa!i"ity )hi!h are nt a#ai"a%"e in the ear"ier days. As the te!hn"gy
gr)s these many types f fa!i"ities de#e"ped )hi!h he"p t the !ustmer in %etter )ay.
H,-C Bank gi#es 8 different types f !urrent a!!unt and a"s gi#es f"e(i%i"ity f %anking
anytime' any)here and a"")s them t sa#e mre mney )hi"e ding %usiness a!rss the
!untry.
My resear!h is t find ut 9 kn) that t )hat e(tent are the pep"e f Bha#nagar a)are f
the !urrent a!!unt fa!i"ities pr#ided %y the different %anks' 9 !me t kn) that )hat are
there requirement' there satisfa!tin "e#e"' image f different type f %ank in there mind and
a"s area f impr#ement fr the %ank.
I !ndu!ted my e(p"ratry resear!h thrugh questinnaire 9 fund that fe) pep"e are
a)are f different fa!i"ity pr#ided %y the %ank and a"s different fa!i"ity pr#ided %y the
ther %ank. Mre f the pep"e are satisfied )ith there e(isting %ank )ith their reasn. Mst
f the pep"e are trusted n the natina" %anks rather than the pri#ate %anks )eather they
pr#ided %etter ser#i!es than natina" %anks. And the %asi! need f the pep"e )hi!h they
S.C.M.T. AKHIL BHATT
:
INDEX
)ants frm the %anks that is %etter ser#i!es. They are %e"ie#ed that the ser#i!es are mst
imprtant !riteria fr the impr#ement fr any %ank.
General information
;HAT IS BA3KI35<
BA3KI35 I3 I3,IA
COMPANY PROFILE
A%ut H,-C 5rup
A%ut H,-C Bank
C=M6=SIT=3 =- B=A/, =- ,I/0CT=/S
=/5A3ISATI=3 ST/$CT$/0 =- B/A3CH
A;A/,S A3, ACHI040M03TS
6/=-IL0 =- BHA43A5A/ B/A3CH
=/5A3I>ATI=3AL =B20CTI40S 9 5=ALS
6/=,$CTS =- H,-C BA3K
S0/4IC0S B1 BA3K
MA/K0TI35 MA3A50M03T
-I3A3C0 ,06A/TM03T
HMAN R!ORCE MANAGEMENT
DATA ANALY!I!
-I3,I35S =- TH0 /0S0A/CH
S;=T A3AL1SIS =- H,-C BA3K
-I3I,I35 9 S$550STI=3S
CONCL!ION
BIBLIOGRAPHY
S.C.M.T. AKHIL BHATT
?

S.C.M.T. AKHIL BHATT
8
WHAT IS BANKING
Bank is a %usiness that pr#ides finan!ia" ser#i!e' usua""y fr prfit. Traditina"
%anking ser#i!es in!"ude re!ei#ing depsit f mney' "ending mney and pr!essing
transa!tin. A !mmer!ia" %ank a!!epts depsit. Sme %anks @!a""ed %ank f issueA issue
%ankntes as "ega" tender. Many %anks ffer an!i""ary finan!ia" ser#i!es t make additina"
prfitB fr e(amp"e C se""ing insuran!e prdu!t' in#estment prdu!t.

Banking' the %usiness f pr#iding finan!ia" ser#i!es t !nsumer and %usiness. The
%asi! ser#i!es a %ank pr#ides are !he!king a!!unts' )hi!h !an %e used "ike mney t make
payment and pur!hase gds and ser#i!es D sa#ing a!!unts and time depsit that !an %e used
t sa#e mney fr future use D "ans that !nsumer and %usinesses !an use t pur!hase gds
and ser#i!es Dand %asi! !ash management ser#i!es su!h as !he!k !ashing and freign
!urren!y e(!hange.
-ur types f %anks spe!ia"i&e in ffering these %asi! %anking ser#i!esB !mmer!ia"
%anks' sa#ing and "an ass!iatin' sa#ing %anks' and !redit unins. A %rader definitin f a
%ank is any finan!ia" institutin that re!ei#es' !""e!ts' transfers' pays' e(!hange' "ends' in#est
r safeguard mney fr its !ustmer. This institutin in!"udes finan!e !mpanies' in#estment
!mpanies' in#estment %anks' insuran!e !mpanies' pensin funds' se!urity %rkers and
dea"ers' mrtgage !mpanies and rea" estate in#estment trust.
Banking ser#i!es are e(treme"y imprtant in a free market e!nmy su!h as that
fund in Canada and the $nited states. %anking ser#i!es ser#e t) primary purpse. first %y
supp"ying !ustmers )ith the %asi! mediums f e(!hange @!ash' !he!king a!!unts' and
!redit !ardsA %ank p"ay a key r"e in the )ay gds and ser#i!es are pur!hased. ;ithut this
fami"iar methd f payment' gds !u"d n"y %e e(!hange %y %arter. This is e(treme"y time
!nsuming and ineffi!ient.
S.C.M.T. AKHIL BHATT
E
Se!nd %y a!!epting mney depsit frm sa#ers and then "ending the mney t
%rr)ers' %anks en!urage the f") f mney t prdu!ti#e and in#estment. this in turn
a"")s the e!nmy t gr). )ithut this f")' sa#ing )u"d nt %e a%"e t %ui"d the ne)
fa!tries the e!nmy needs t prdu!e mre gds and gr) . 0na%"ing the f") f mney
frm sa#ers t in#estrs is !a""ed finan!ia" intermediatin and it is e(treme"y imprtant t a
free market e!nmy.
S.C.M.T. AKHIL BHATT
F
BANKING INDIA
Banking in India riginated in the first de!ade f 1E
th
!entury )ith genera" %ank f
India !ming int e(isten!e in 18E?. This )as f"")ed %y %ank f Hindustan. Bth these
%anks are n) defun!t. The "dest %ank in e(isten!e in India is the state %ank f India %eing
esta%"ished as Gthe %ank f Benga"G in Ca"!utta in 2une 1EH?. a !up"e f de!ades "ater'
freign %anks "ike !redit Lynnais started their Ca"!utta peratins in the 1E:Hs. at that pint
f time' Ca"!utta )as the mst a!ti#e trading prt' main"y due t the trade f the British
empire and the due t )hi!h %anking a!ti#ity tk rts there and prspered. The first fu""y
Indian )ned %ank )as the A""aha%ad %ank' )hi!h )as esta%"ished in 1E?:.
By the 1FHHs' the market e(panded )ith the esta%"ishment f %anks su!h as 6un+a%
3atina" Bank' in 1EF: in Lahre and Bank f India' in 1FH?' in Mum%ai %th f )hi!h )ere
funded under pri#ate )nership. The /eser#e %ank f India frma""y tk n the
respnsi%i"ity f regu"ating the Indian %anking se!tr frm 1F.:. After IndiaIs independen!e
in 1F78' the /eser#e Bank )as natina"i&ed and gi#en %rder p)ers.
S.C.M.T. AKHIL BHATT
1H
S.C.M.T. AKHIL BHATT
11
ABOUT HDFC BANK
REGI!TERED OFFICE" CORPORATE OFFICE"

Address Address
H,-C Bank Huse /amn Huse' 1?F' Ba!k Bay'
Senapati Bapat Marg L)er 6are"' /e!"amatin'
Mum%ai' H T 6arekh Marg'
Maharashtra' Chur!h 5ate'
7HHH1.. Mum%ai 7HH H2H.
6hneB F1JH22J:?:21HHH
-a(B F1JH22J27F?H8.8
BHAVNAGAR BRANCH
H,-C BA3K LT,.
Ster"ing 6int'
;agha)adi /ad'
Bha#nagar' .?7HH2.
#e$%ite%
S.C.M.T. AKHIL BHATT
12
ABOUT HDFC GROUP
))). hdf!.!m
If e#er there )as a man )ith a missin it )as Hasmukh%hai 6arekh'
-under and ChairmanJ0meritus' f H,-C 5rup )h "eft this
earth"y a%de n 3#em%er 1E' 1FF7. Brn in a traditina" %anking
fami"y in Surat' 5u+arat' Mr. 6arekh started his finan!ia" !areer at
Harkisandass Lukhmidass C a "eading st!k %rking firm. The firm
!"sed d)n in the "ate se#enties' %ut' "ng %efre that' he )ent n
t %e!me a t)ering figure n the Indian finan!ia" s!ene.
In 1F:? he %egan his "ife"ng finan!ia" affair )ith the e!nmi!
)r"d' as 5enera" Manager f the ne)"yJfrmed Industria" Credit
and In#estment Crpratin f India @ICICIA. He rse t %e!me Chairman and !ntinued s
ti"" his retirement in 1F82.
At the ripe age f ?H' Hasmukh%hai started his
se!nd dynami! "ife' e#en mre i""ustrius than his first.
His #isin fr
mrtgage
finan!e fr
husing ga#e
%irth t the
Husing
,e#e"pment
-inan!e
Crpratin C it
S.C.M.T. AKHIL BHATT
Mr. H.T. P!"#H is conferred
the Padma Bhushan by the
$overnment of India in the year
%&&'.
1.
COMPOSITION OF BOARD OF DIRECTIORS
)as a trendsetter fr husing finan!e in the )h"e Asian
!ntinent
He )as a"s a )riter in his )n right. There are #er 2HH pu%"ished arti!"es %y him...
In 1FF2' the 5#ernment f India hnured him )ith the 6adma Bhushan A)ard. The
Lndn S!h" f 0!nmi!s 9 6"iti!a" S!ien!e !nferred n him an Hnrary
-e"")ship.He )as ne f the -under Mem%ers f the Centre fr Ad#an!ement f
6hi"anthrpy' and itKs Chairman ti"" 1FF..
The Cmpsitin f the Bard f ,ire!trs f the Bank is g#erned %y the Cmpanies
A!t' 1F:?' the Banking /egu"atin A!t' 1F7F and the "isting requirements f the Indian St!k
0(!hanges )here se!urities issued %y the Bank are "isted. The Bard has strength f 12
,ire!trs as n Mar!h .1' 2HHE. A"" ,ire!trs ther than Mr. Aditya 6uri' Mr. Harish
0ngineer and Mr. 6aresh Sukthankar are nnJe(e!uti#e dire!trs. The Bank has fi#e
independent dire!trs and se#en nnJindependent dire!trs. The Bard !nsists f eminent
persns )ith !nsidera%"e prfessina" e(pertise and e(perien!e in %anking' finan!e'
agri!u"ture' sma"" s!a"e industries and ther re"ated fie"ds.
S.C.M.T. AKHIL BHATT
BOARD OF DIRECTOR!
Managing ,ire!tr Mr.Aditya 6uri
,ire!tr Mr.Ar#ind 6ande
,ire!tr Mr.Ashim Samanta
,ire!tr Mr.C M 4asude#
,ire!tr Mr.5autam ,i#an
0(e!uti#e ,ire!tr Mr.Harish 0ngineer
Chairman Mr.2agdish Capr
,ire!tr Mr.Keki M Mistry
,ire!tr Mr.6andit 6a"ande
0(e!uti#e ,ire!tr Mr.6aresh Sukthankar'
,ire!tr Mr./enu Karnad
,ire!tr Mr.4ineet 2ain
17

S.C.M.T. AKHIL BHATT
1:
ORG. !TRCTRE OF HDFC AT BHAVNAGAR BRANCH
BRANCH
S.C.M.T. AKHIL BHATT
1?

S.C.M.T. AKHIL BHATT
18
AWARDS AND ACHIEVEMENTS
P.B. A&t'ori%or " Mr.Hitesh Shah ABM for C&rrent a() " Mr. Himanshu Tri#edi
IRM " Mr. Kam"esh 6ipa" Teller A&t'ori*er " Mr. 4i+ay Bha"ani
Relation%'i+ Mana,er " Mr. Keyur 2ani
Business TdayJMnitr 5rup sur#ey
One of In-ia.% /Mo%t Inno0ati0e Com+anie%/
-inan!ia" 0(pressJ0rnst 9 1ung A)ard
Be%t Ban1 A2ar- in t'e Pri0ate !e)tor )ate,or3
5"%a" H/ 0(!e""en!e A)ards J Asia 6a!ifi! H/M CngressB
.Em+lo3er Bran- of t'e Year 4556 74558. A2ar- 7 Fir%t
R&nner &+9 : man3 more
Business Tday
.Be%t Ban1. A2ar-
,un 9 Bradstreet C Ameri!an 0(press Crprate Best Bank A)ard 2HH8
.Cor+orate Be%t Ban1. A2ar-
The Bm%ay St!k 0(!hange and 3ess!m -undatinIs Business fr S!ia"
/espnsi%i"ity A)ards 2HH8
.Be%t Cor+orate !o)ial Re%+on%i$ilit3 Pra)ti)e. A2ar-
=ut"k Mney 9 3,T4 6rfit
Be%t Ban1 A2ar- in t'e Pri0ate %e)tor )ate,or3.
The Asian Banker 0(!e""en!e in /etai" -inan!ia" Ser#i!es A)ards
Be%t Retail Ban1 in In-ia
Business Tday
Be%t Ban1 in In-ia.
-r%es Maga&ine
One of A%ia Pa)ifi).% Be%t ;5 )om+anie%.
Business )r"d
Be%t li%te- Ban1 of In-ia.
The Asset Maga&ineIs Trip"e A Cuntry A)ards
Be%t Dome%ti) Ban1.
Asiamney A)ards
Be%t Lo)al Ca%' Mana,ement Ban1 in Lar,e an- Me-i&m
%e,ment%.
S.C.M.T. AKHIL BHATT
1E
PROFILE OF BHAVNAGAR BRANCH
3AM0 H,-C BA3K
A,,0/0SS 5=6I A/CA,0'
ST0/LI35 6=I3T '
;A5HA;A,I /=A,'
BHA43A5A/
T0L06H=30 3=. H28EJ2:8218.*87
10A/ =-
STABLISHM03T
1FF7
M0MB0/S CH0TA3 T/I40,I @B/A3CH MA3A50/A
K01$/ 2A3I @/0LATI=3SHI6 MA3A50/A
6/A3A4 2A3I @/0LATI=3SHI6 MA3A50/A
7 60/S=330L BA3K0/S

There are s many a)ards and a!hie#ements in H,-C BA3K Bha#nagar %ran!h as
des!ri%ed %e")
1A. In ,e!em%er 2HH7 Bha#nagar %ran!h )as a)arded fr ma(imum se""ing f Credit !ard.
As a tit"e f <THE FA!TE!T MILLION YO MADE THE DIFFERENCE=
2A. In finan!ia" year 2HH:JH? the %ran!h )as a)arded fr se!nd highest se""ing f
"ife insuran!e %usiness in Saurashtra and Kut!hh !"uster.
.A. ,uring 2anuary 2HH8 thrugh mar!h 2HH8 ' %ran!h )as a)arded fr generating the
Highest num%er f "eads fr !urrent a!!unts.
7A. In ,e!em%er 2HH? the Bran!h Manager Mr. Chetan Tri#edi )as !ertified )ith e(!e""en!e
S.C.M.T. AKHIL BHATT
1F
A/ards in Bha0na1ar
2ran3h
ORGANIZATION OBJECTIVES & GOALS
-r %eing the tp %ran!h manager fr t) )hee"er #ehi!"e "an in a mnth in )est regin
B!INE!! OB>ECTIVE!"
The main %+e!ti#es f H,-C are di#ided int t) parts' )hi!h are as underB
-irst and fremst %+e!ti#e is t enhan!e residentia" husing st!k in the !untry
thrugh the pr#isin f husing finan!e in a systemati! and prfessina" manner'
and t prmte hme )nership.
Se!nd %+e!ti#e is t in!rease the f") f resur!es t the husing se!tr %y
integrating the husing finan!e se!tr )ith the #era"" dmesti! finan!ia" markets.
ORGANI?ATIONAL GOAL!"
T de#e"p !"se re"atinships )ith indi#idua"s huseh"ds.
T maintain itKs psitin as the premier husing finan!e institutin in the !untry.
T transfrm ideas int #aria%"e and !reati#e s"utins.
T pr#ide !nsistent"y high returns t shareh"ders.
T gr) thrugh di#ersifi!atin %y "e#eraging ff the e(isting !"ient %ase
S.C.M.T. AKHIL BHATT
2H
COMPANY PROFILE
PROMOTOR
BUSINESS FOCUS
The Husing ,e#e"pment -inan!e Crpratin Limited @H,-CA )as amngst the first t
re!ei#e an Iin prin!ip"eI appr#a" frm the /eser#e Bank f India @/BIA t set up a %ank in the
pri#ate se!tr' as part f the /BIIs "i%era"i&atin f the Indian Banking Industry in 1FF7. The
%ank )as in!rprated in August 1FF7 in the name f IH,-C Bank LimitedI' )ith its
registered ffi!e in Mum%ai' India. H,-C Bank !mmen!ed peratins as a S!hedu"ed
Cmmer!ia" Bank in 2anuary 1FF:.
H,-C is IndiaIs premier husing finan!e !mpany and en+ys an impe!!a%"e tra!k re!rd in
India as )e"" as in internatina" markets. Sin!e its in!eptin in 1F88' the Crpratin has
maintained a !nsistent and hea"thy gr)th in its peratins t remain the market "eader in
mrtgages. Its utstanding "an prtf"i !#ers )e"" #er a mi""in d)e""ing units. H,-C
has de#e"ped signifi!ant e(pertise in retai" mrtgage "ans t different market segments and
a"s has a "arge !rprate !"ient %ase fr its husing re"ated !redit fa!i"ities. ;ith its
e(perien!e in the finan!ia" markets' a strng market reputatin' "arge shareh"der %ase and
unique !nsumer fran!hise' H,-C )as idea""y psitined t prmte a %ank in the Indian
en#irnment.
H,-C BankIs missin is t %e a ;r"dJC"ass Indian Bank. The %+e!ti#e is t %ui"d sund
!ustmer fran!hises a!rss distin!t %usinesses s as t %e the preferred pr#ider f %anking
S.C.M.T. AKHIL BHATT
21
CAPITAL STRUCTURE
DISTRIBUTION NETWORK
ser#i!es fr target retai" and )h"esa"e !ustmer segments' and t a!hie#e hea"thy gr)th in
prfita%i"ity' !nsistent )ith the %ankIs risk appetite. The %ank is !mmitted t maintain the
highest "e#e" f ethi!a" standards' prfessina" integrity' !rprate g#ernan!e and regu"atry
!mp"ian!e. H,-C BankIs %usiness phi"sphy is %ased n fur !re #a"ues J =peratina"
0(!e""en!e' Custmer -!us' 6rdu!t Leadership and 6ep"e.
The authri&ed !apita" f H,-C Bank is /s.7:H !rre @/s.7.: %i""inA. The paidJup !apita" is
/s..11.F !rre @/s...1 %i""inA. The H,-C 5rup h"ds 22.1L f the %ankIs equity and a%ut
1F.7L f the equity is he"d %y the A,S ,epsitry @in respe!t f the %ankIs Ameri!an
,epsitry Shares @A,SA IssueA. /ugh"y .1..L f the equity is he"d %y -reign Institutina"
In#estrs @-IIsA and the %ank has a%ut 1FH'HHH shareh"ders. The shares are "isted n the
St!k 0(!hange' Mum%ai and the 3atina" St!k 0(!hange. The %ankIs Ameri!an ,epsitry
Shares are "isted n the 3e) 1rk St!k 0(!hange @31S0A under the sym%" GH,BG.
H,-C Bank is headquartered in Mum%ai. The Bank at present has an en#ia%"e net)rk f
#er %ran!hes spread #er !ities a!rss India. A"" %ran!hes are "inked n an n"ine rea"Jtime
%asis. Custmers in #er 12H "!atins are a"s ser#i!ed thrugh Te"ephne Banking. The
BankIs e(pansin p"ans take int a!!unt the need t ha#e a presen!e in a"" ma+r industria"
and !mmer!ia" !enters )here its !rprate !ustmers are "!ated as )e"" as the need t %ui"d
a strng retai" !ustmer %ase fr %th depsits and "an prdu!ts. Being a !"earing*sett"ement
%ank t #arius "eading st!k e(!hanges' the Bank has %ran!hes in the !enters )here the
3S0*BS0 ha#e a strng and a!ti#e mem%er %ase. The Bank a"s has a net)rk f a%ut #er
net)rked ATMs a!rss these !ities. Mre#er' H,-C BankIs ATM net)rk !an %e a!!essed
%y a"" dmesti! and internatina" 4isa*MasterCard' 4isa 0"e!trn*Maestr' 6"us*Cirrus and
Ameri!an 0(press Credit*Charge !ardh"ders
S.C.M.T. AKHIL BHATT
22
MANAGEMENT
TECHNOLOGY
Mr. 2agdish Capr tk #er as the %ankIs Chairman in 2u"y 2HH1. 6rir t this' Mr. Capr
)as a ,eputy 5#ernr f the /eser#e Bank f India. The Managing ,ire!tr' Mr. Aditya
6uri' has %een a prfessina" %anker fr #er 2: years' and %efre +ining H,-C Bank in
1FF7 )as heading Citi%ankIs peratins in Ma"aysia. The BankIs Bard f ,ire!trs is
!mpsed f eminent indi#idua"s )ith a )ea"th f e(perien!e in pu%"i! p"i!y' administratin'
industry and !mmer!ia" %anking. Senir e(e!uti#es representing H,-C are a"s n the
Bard.
Senir %anking prfessina"s )ith su%stantia" e(perien!e in India and a%rad head #arius
%usinesses and fun!tins and reprt t the Managing ,ire!tr. 5i#en the prfessina"
e(pertise f the management team and the #era"" f!us n re!ruiting and retaining the %est
ta"ent in the industry' the %ank %e"ie#es that its pep"e are a signifi!ant !mpetiti#e strength.
H,-C Bank perates in a high"y autmated en#irnment in terms f infrmatin te!hn"gy
and !mmuni!atin systems. A"" the %ankIs %ran!hes ha#e n"ine !nne!ti#ity' )hi!h ena%"es
the %ank t ffer speedy funds transfer fa!i"ities t its !ustmers. Mu"tiJ%ran!h a!!ess is a"s
pr#ided t retai" !ustmers thrugh the %ran!h net)rk and Autmated Te""er Ma!hines
@ATMsA.

The Bank has made su%stantia" effrts and in#estments in a!quiring the %est te!hn"gy
a#ai"a%"e internatina""y' t %ui"d the infrastru!ture fr a )r"d !"ass %ank. The BankIs
%usiness is supprted %y s!a"a%"e and r%ust systems )hi!h ensure that ur !"ients a")ays get
the finest ser#i!es )e ffer. The Bank has pririti&ed its engagement in te!hn"gy and the
internet as ne f its key ga"s and has a"ready made signifi!ant prgress in )e%Jena%"ing its
!re %usinesses. In ea!h f its %usinesses' the Bank has su!!eeded in "e#eraging its market
psitin' e(pertise and te!hn"gy t !reate a !mpetiti#e ad#antage and %ui"d market share.
S.C.M.T. AKHIL BHATT
2.
BUSINESS
H,-C Bank ffers a )ide range f !mmer!ia" and transa!tina" %anking ser#i!es and
treasury prdu!ts t )h"esa"e and retai" !ustmers. The %ank has three key %usiness
segmentsB
#HOLE!ALE BANKING !ERVICE!
The BankIs target market ranges frm "arge' %"ueJ!hip manufa!turing !mpanies in the Indian
!rprate t sma"" 9 midJsi&ed !rprate and agrJ%ased %usinesses. -r these !ustmers' the
Bank pr#ides a )ide range f !mmer!ia" and transa!tina" %anking ser#i!es' in!"uding
)rking !apita" finan!e' trade ser#i!es' transa!tina" ser#i!es' !ash management' et!. The
%ank is a"s a "eading pr#ider f stru!tured s"utins' )hi!h !m%ine !ash management
ser#i!es )ith #endr and distri%utr finan!e fr fa!i"itating superir supp"y !hain
management fr its !rprate !ustmers. Based n its superir prdu!t de"i#ery * ser#i!e
"e#e"s and strng !ustmer rientatin' the Bank has made signifi!ant inrads int the
%anking !nsrtia f a num%er f "eading Indian !rprate in!"uding mu"tinatina"s'
!mpanies frm the dmesti! %usiness huses and prime pu%"i! se!tr !mpanies. It is
re!gni&ed as a "eading pr#ider f !ash management and transa!tina" %anking s"utins t
!rprate !ustmers' mutua" funds' st!k e(!hange mem%ers and %anks.
RETAIL BANKING !ERVICE!
The %+e!ti#e f the /etai" Bank is t pr#ide its target market !ustmers a fu"" range f
finan!ia" prdu!ts and %anking ser#i!es' gi#ing the !ustmer a neJstp )ind) fr a""
his*her %anking requirements. The prdu!ts are %a!ked %y )r"dJ!"ass ser#i!e and de"i#ered
t the !ustmers thrugh the gr)ing %ran!h net)rk' as )e"" as thrugh a"ternati#e de"i#ery
!hanne"s "ike ATMs' 6hne Banking' 3etBanking and M%i"e Banking.
The H,-C Bank 6referred prgram fr high net )rth indi#idua"s' the H,-C Bank 6"us and
the In#estment Ad#isry Ser#i!es prgrams ha#e %een designed keeping in mind needs f
S.C.M.T. AKHIL BHATT
27
RATINGS
!ustmers )h seek distin!t finan!ia" s"utins' infrmatin and ad#i!e n #arius
in#estment a#enues. The Bank a"s has a )ide array f retai" "an prdu!ts in!"uding Aut
Lans.
H,-C Bank )as the first %ank in India t "aun!h an Internatina" ,e%it Card in ass!iatin
)ith 4ISA @4ISA 0"e!trnA and issues the Master!ard Maestr de%it !ard as )e"". The Bank
"aun!hed its !redit !ard %usiness in "ate 2HH1. By Septem%er .H' 2HH:' the %ank had a tta"
!ard %ase @de%it and !redit !ardsA f :.2 mi""in !ards. The Bank is a"s ne f the "eading
p"ayers in the Gmer!hant a!quiringG %usiness )ith #er :H'HHH 6intJfJsa"e @6=SA termina"s
fr de%it * !redit !ards a!!eptan!e at mer!hant esta%"ishments.
TREA!RY
;ithin this %usiness' the %ank has three main prdu!t areas J -reign 0(!hange and
,eri#ati#es' L!a" Curren!y Mney Market 9 ,e%t Se!urities' and 0quities. ;ith the
"i%era"i&atin f the finan!ia" markets in India' !rprate need mre sphisti!ated risk
management infrmatin' ad#i!e and prdu!t stru!tures. These and fine pri!ing n #arius
treasury prdu!ts are pr#ided thrugh the %ankIs Treasury team. T !mp"y )ith statutry
reser#e requirements' the %ank is required t h"d 2:L f its depsits in g#ernment
se!urities. The Treasury %usiness is respnsi%"e fr managing the returns and market risk n
this in#estment prtf"i.
CREDIT RATING
The Bank has its depsit prgrams rated %y t) rating agen!ies J Credit Ana"ysis 9 /esear!h
Limited @CA/0A and -it!h /atings India 6ri#ate Limited. The BankIs -i(ed ,epsit
prgrammed has %een rated ICA/0 AAA @-,AI MTrip"e AN %y CA/0' )hi!h represents
instruments !nsidered t %e Gf the %est qua"ity' !arrying neg"igi%"e in#estment riskG. CA/0
has a"s rated the %ankIs Certifi!ate f ,epsit @C,A prgrammed G6/ 1OG )hi!h represents
Gsuperir !apa!ity fr repayment f shrt term prmissry %"igatinsG. -it!h /atings India
6#t. Ltd. @1HHL su%sidiary f -it!h In!.A has assigned the GtAAA @ ind AG rating t the BankIs
S.C.M.T. AKHIL BHATT
2:
depsit prgrammed' )ith the ut"k n the rating as Gsta%"eG. This rating indi!ates Ghighest
!redit qua"ityG )here Gprte!tin fa!trs are #ery highG.
The Bank a"s has its "ng term unse!ured' su%rdinated @Tier IIA Bnds rated %y CA/0 and
-it!h /atings India 6ri#ate Limited and its Tier I perpetua" Bnds and $pper Tier II Bnds
rated %y CA/0 and C/ISIL Ltd. CA/0 has assigned the rating f GCA/0 AAAG fr the
su%rdinated Tier II Bnds )hi"e -it!h /atings India 6#t. Ltd. has assigned the rating GAAA
@indAG )ith the ut"k n the rating as Gsta%"eG. CA/0 has a"s assigned GCA/0 AAA
MTrip"e ANG fr the Banks 6erpetua" %nd and $pper Tier II %nd issues. C/ISIL has assigned
the rating GAAA * Sta%"eG fr the BankIs 6erpetua" ,e%t prgrammed and $pper Tier II Bnd
issue. In ea!h f the !ases referred t a%#e' the ratings a)arded )ere the highest assigned %y
the rating agen!y fr thse instruments.
S.C.M.T. AKHIL BHATT
2?
CURRENT SITUATION OF THE BANK
H,-C Bank is ne f IndiaKs "eading %anking and finan!ia" ser#i!es institutins. Its missin
is t %e a )r"dJ!"ass Indian %ank' and it pr#ides a )ide range f ser#i!es in )h"esa"e and
retai" %ankingD in!"uding !mmer!ia"' in#estment' transa!tina" and %ran!h %anking.
H,-C Bank tday has mre than ..2: mi""in !ustmers. =n the )h"esa"e ser#i!es
frnt' it is re!gni&ed as a "eading pr#ider f !ash management and transa!tina" %anking
s"utins t !rprate !ustmers' mutua" funds' st!k e(!hange mem%ers and %anks.
In!reasing re#enue in the fa!e f fier!e !mpetitin H,-C Bank )as amng the first
pri#ati&ed %anks t %e set up in India after the "i%era"i&atin f the Indian %anking industry.
Tday it is amng se#era" %anks #ying fr the !ustmers )h ha#e nt e(perien!ed the
%enefits f pri#ate %anking. In a fier!e"y !mpetiti#e market p"a!e' the %ank kn)s that
gr)ing its %ttmJ"ine is dependant "arge"y n in!reasing returns frm e(isting !ustmers'
)hi"e adding ne) !ustmers t its prtf"i.
S.C.M.T. AKHIL BHATT
28
FUTURE PLANS
H,-C has a")ays %een marketJriented and dynami! )ith respe!t t resur!e
m%i"i&atin as )e"" as its "ending prgramme. This renders it mre than !apa%"e t meet the
ne) !ha""enges that ha#e emerged. =#er the years' H,-C has de#e"ped a #ast !"ient %ase f
%rr)ers' depsitrs' share h"ders and agents' and it hpes t !apita"i&e n this "ya" and
satisfied !"ient %ase fr future gr)th.
H,-C has de#e"ped a net)rk f institutins thrugh partnerships )ith sme f the
%est institutins in the )r"d' fr pr#iding spe!ia"i&ed finan!ia" ser#i!es. 0a!h institutin is
%eing fineJ tuned fr a spe!ifi! market' )hi"e ffering the entire H,-C !ustmer %ase the
highest standards f qua"ity in prdu!t design' fa!i"ities and ser#i!es.
Times %ank merger )i"" gi#e H,-C Bank a greater rea!h in terms f an e(panded
net)rk' )hi!h )i"" tu!h 1H8 %ran!hes and an in!reased !ustmer %ase. The %ank has a"s
in#ested 2?L ea!h in the equity f !mputer age management ser#i!es and ACS1S system
sft)are India as strategi! in#estment. ;hi"e !mputer age is a )e"" esta%"ished p"ayer in the
distri%utin f a range f mutua" fund prdu!ts' ACS1S is int de#e"ping sft)are that
!aters t distri%utrs f finan!ia" prdu!ts and mutua" funds.
S.C.M.T. AKHIL BHATT
2E
MARKETING DEPARTMENT
S.C.M.T. AKHIL BHATT
2F
Speaking t %usiness "ine ' A2A1 K0LKA/' Head' Marketing'
H.,.-.C BA3K said this initiati#es are espe!ia""y targeted at thse
!nsumer )h are nt a)are a%ut the %anks #arius #a"ue added
ser#i!es su!h as dire!t %anking fa!i"ities. )e are ging t demnstrate the ad#antages f net
%anking and m%i"e %anking' as these !n!ept are re"ati#e"y ne) t pep"e "i#ing in sma""er
t)n and !ities.
The %ank has a"s "aun!hed anther initiati#e !a""ed %usiness ki %aatein' )hi!h is
targeted at areas )here the ppu"atin !mprises sma"" %usinessman.
K0LKA/ said that the %ank )u"d get e(perts t ta"k n a num%er f issues su!h as
#a"ue added ta( and sa"es ta(.
H,-C' said ke"kar' has %een su!!essfu" in redu!ing its !ustmers attritin %y a"mst
1:J2H L e#er sin!e its dataJ"ed !ustmer ana"ysis system' un!ia" )as set up "ast year. it
ena%"es them t measure the effi!ien!y f the !ampaigns. test e#ery !ampaign at ea!h and
e#ery step' e(periment )ith !reati#e and media .there are "earning that !an immediate"y %e
in!rprated int the ne(t !ampaigns.
These !ampaigns pr#ide them )ith infrmatin a%ut e#ery !stumers preferen!es
used fr mass media !mmuni!atin' making it mre effe!ti#e. they !an measure the resu"t
f a !ampaign thrugh the sa"es that they make and the !ustmers that they added. there is a
!"ear return n in#estment' )hi!h frm a fun!tina" pint f #ie) gi#es team a strnger
#i!e. they ha#e a"s %een a%"e t redu!e their add spends %y a%ut 1HJ1: L and ha#e
redu!ed the !st f a!quisitin.
K0LKA/ said that the %anks f!us in future )u"d %e t enhan!e its data%ase
marketing initiati#es. ;e p"an t in#est !"se t /s 12!rre t !reate the en#irnment that is
required t supprt !ustmer inte""igen!e that "eads t data %ased marketing.
S.C.M.T. AKHIL BHATT
.H
H,-C has !hartered an e(tensi#e !ustmer "ife!y!"e %ased marketing !ampaign
!a"endar fr this and the frth!ming fis!a". fra!ta" ' )hi!h spe!ia"i&e in predi!ting H,-C
BA3KS marketing team in #arius initiati#es f gr)ing the retai" %usiness qui!k"y and !st
effe!ti#e"y.
H,-C has %een using ana"yti!s fr taking infrmed marketing de!isin. -ra!ta" )i""
he"p the %ank use infrmatin t rea!h ne) !ustmer and t %ui"d nature and ma(imi&e
"asting !ustmer re"atinship. -ra!ta" )i"" a"s he"p the %ank s"#e the pr%"em f e#er
in!reasing !ustmer a!quisitin !st and redu!ing !ustmer "ya"ty.
The marketing prgrammes )u"d in#"#e a!quisitin f !ustmers prfita%"y %y
redu!ing !mpaign !sts' !rss se""ing #arius asset and "ia%i"ity prdu!ts t the e(isting
!ustmers' there%y' "e#eraging the e(isting re"atinships and pra!ti#e"y retaining e(isting
!ustmers.
-ra!ta"Is ana"yti!sJ%ased marketing s"utins span )hi!h the entire "ife!y!"e f
!ustmer re"atinship right frm !ustmer a!quisitin t !ustmer retentin t !ustmer
#a"ue management' is e(pe!ted t gi#e H,-C an upper hand in understanding the needs and
!ir!umstan!es f their !ustmers.
-ra!ta" !"aims t use numerus ad#an!ed statisti!a" mde"ing methd"gies %a!ked
%y strng %anking e(pertise fr %ui"ding predi!ti#e mde"s and s!re!ards that he"p its !"ients
take %usiness de!isins mre effe!ti#e"y and effi!ient"y.
GRO#TH IN LA!T FE# YEAR!
S.C.M.T. AKHIL BHATT
.1
=#er the "ast fe) years' H,-C Bank as a )h"e has %een gr)ing steadi"y at a rate f
.H per!ent r s' and that the %ank has managed t maintain that gr)th rate n a !nsistent
%asis' )hi!h is a #ery !redita%"e perfrman!e. H)e#er' in the prdu!t mi(' there ha#e %een a
num%er f segments' espe!ia""y "ans' )hi!h ha#e re!rded gr)th f #er 1HH per!ent #er
the "ast year.
MARKETING INITIATIVE! TAKING BY THE BANK
H,-C Bank is pssi%"y the n"y %ank in India' and ne f the #ery fe) in Asia' t
ha#e em%arked n a dataJ"ed marketing ana"yti!s !ampaigns initiati#e' using marketing
autmatin te!hn"gy pr#ided %y $ni!a. $ni!a has %een re!gni&ed %y 5artner as the
"eading p"ayer in this fie"d.
Thrugh this t"' they ha#e %een a%"e t inte""igent"y use the 7J: tera%ytes f
!ustmer data a#ai"a%"e in its )arehuse. Bank ha#e set up a team t !ndu!t marketing
!ampaigns in a s!ientifi! manner using !ustmer data' usage patterns' preferen!es' "ife!y!"e'
et!' the Bank a"s !ndu!ts e#entJ%ased marketing.
These initiati#es a"s !mp"ement their mediaJ%ased marketing as )e"" as nJtheJ
grund marketing a!ti#ities' )hi!h remain imprtant in the %igger s!heme f things.
H)e#er' the marketing ana"yti!s initiati#e ena%"es them t measure the effi!a!y f the
!ampaigns' testing e#ery !mpaign e#ery step f the )ay' e(perimenting )ith !reati#es'
messages' media' et!. There are "earnings that !an immediate"y %e a%sr%ed and in!rprated
in the ne(t !ampaigns' and these !ampaigns in a )ay pr#ide them )ith infrmatin a%ut
!ustmer !hi!es and preferen!es that !an %e used fr mass media !mmuni!atin' making
thse mre effe!ti#e. Media #ehi!"es used fr send their massage t rea!h their target
!ustmers.
S.C.M.T. AKHIL BHATT
.2
H,-C Bank has %een predminant"y using dire!t mai"ers' eJmai"s' and SMS fr
!mmuni!ating their massage t their targeted audien!e as they are the mst !stJeffe!ti#e
rutes f addressing ur !re target audien!es )ith ma(imum degree f !ustmi&atin
pssi%"e.
S.C.M.T. AKHIL BHATT
..
FINANCE DEPARTMENT
S.C.M.T. AKHIL BHATT
.7
-inan!e department is %rad"y !n!erned )ith the a!quisitin f funds %y a
%usiness firm.
H) "arge shu"d %e the firm and h) fast shu"d it gr)<
;hat shu"d %e the mi( f firmKs assets<
;hat shu"d %e the mi( f the firmKs finan!ing<
H) shu"d the firm ana"ysis' p"an' and !ntr" its finan!ia" affairs.
-inan!e is the "ife%"d f the rgani&atin. -inan!e management as an integra"
part f the #era"" management is nt a tta""y independent area. It dra)s hea#i"y n re"ated
su%+e!ts and fie"ds f study name"y e!nmi!s' a!!unting' marketing' prdu!tin' and
quantitati#e methds. -"")ing are the main features f finan!ia" management.
The f!us f finan!ia" management )as main"y n !ertain episdi! e#ent "ike
frmatin' issuan!e f !apita"' ma+r e(pansin' merger' reJrgani&atin' and
"iquidatin in the "ife !y!"e f the firm.
Appra!h )as main"y des!ripti#e and institutina". The instrument f finan!ing' the
institutin and pr!edures used in !apita" market' and the "ega" aspe!t f finan!ia"
e#ents frmed the !re f finan!ia" management.
The utsiderKs pint f #ie)ed main"y frm the pint f in#estment %ankers' "eaders'
and ther utside interests.
A))or-in, to HDFC BANK Lt-.@% AGM on >NE A9 455B" 7
Issued :H !rre /edeema%"e Su%rdinated Bnds t in!rease Capita" Adequa!y /ati'
)hi!h had !me d)n t 11.HFL frm 12.1FL.
H,-C Bank as n Mar!h .1' 2HH1 had 1.1 ut"ets spread a!rss :. !ities. As n date
f A5M tta" ut"ets in!reased t 1.7. Bank has p"ans t in!rease this num%er t 1?H
%y yearJend. Ten ne) ut"ets are p"anned fr Maharashtra.
$nse!ured ad#an!es )ent up frm /s 2.F !rre in Mar!h 2HHH t /s ?E. !rre in
Mar!h 2HH1. These ad#an!es )ere made t !rprates )ith GAAAG rating fr shrt
tenure and Bank has re!#ered these amunts in the !urrent year.
Mney at !a"" and shrt nti!e )ith %anks )ent up frm /s 7E8 !rre in Mar!h t /s
1'.:8 !rre in Mar!h 2HH1. Bank fund this pprtunity gi#ing gd returns and
funds )ere parked )ith #erseas a!!unts.
A"" H,-C Bank %ran!hes and head ffi!e underg Cn!urrent Audit.
S.C.M.T. AKHIL BHATT
.:
H,-C Bank is the "argest issuer f de%it !ards in the !untry.
H,-CKs reprted a EHL in!rease in tp "ine in -1 2HH1 and 8:L in!rease in %ttm
"ine. The reasn fr "ess than prprtinate gr)th in 3et 6rfit is due t in#estments
made fr future gr)th. Bank sees these years as !ns"idatin perid.
H,-C Bank ser#es : "akh a!!unts in ,emat Ser#i!es segment. Tta" num%er f
emp"yees fr ,epsitry ser#i!es is 172 and this segment !ntri%uted /s 8 !rre t
3et 6rfit.
=ut f the stipu"ated nrm f 7HL ad#an!es t pririty se!tr %y /BI' H,-C Bank
has made 1:L ad#an!es t Agri!u"ture se!tr. These in!"ude "ans t farmers and
in#estments in 3ABA/, and /ura" 0"e!trifi!atin.
In#estments.
In#estment is mst imprtant get re)ard frm any )here %e!ause thrugh the
in#estment )e !an get su!h re)rd )hi!h are #ery he"pfu" t us. As a part f generating
re#enue Hdf! in#est amunt in 2HHE the tta" amunt is 7F' .F.' .2 Lakhs. In 2HH8 the tta"
amunt )as .H' :?7' :E.
!ALE!
NET INTERE!T INCOME
S.C.M.T. AKHIL BHATT
.?
NET REVENE
PROFIT AFTER TAC
DEPO!IT!
S.C.M.T. AKHIL BHATT
.8

Com+etiti0e anal3%i%"
Banks 3et
6rfit
3et
;rth
Tta"
In!me
Ad#an!es
t Lans
Bk
4a"ue
Cash
-")s
-rm
=perating
A!ti#ities
HDFC Ban1 865.68 ;4BB.;D ;E88.B8 D;5EA.4E AEB.4F A64F.6E
ICICI Bank 2:7H.H8 222H:.FF 1EE21.12 17?1?..11 27F.:: 7?:....
Standard
Chartered
FH7.E: .82F..8 .F?E.2F 11FH1.2? 8H.?1 .28?.E7
SBI 77H?.?8 28?77.HF 7.27..?8 2?1?71.:. :2:.2: :F1H.1
Citi%ank 8H:.:: 71F:.:: 7272.E8 :E??..2 E..?E 1.17..
S.C.M.T. AKHIL BHATT
.E
S.C.M.T. AKHIL BHATT
.F
HUMAN RESOURCE MANAGEMENT
Mandeep Maitra is the Cuntry Head H/ at H,-C Bank. She has
dne her B.A. 6sy!h"gy frm "ady Shriram C"ege' ,e"hi and MBA
H/ frm Tata Institute f S!ia" Sutdies.
The H/ department at H,-C %ank has :7 pep"e' in!"uding the trainers. The H/
department is present in Mum%ai' Chennai' ,e"hi' Ahmeda%ad' K"kata' Banga"re'
Hydera%ad' Chandigadh' 6une and Lu!kn). A"" pep"e here in H/ are MBAs' e(!ept fr
thse hand"ing H/ peratins.
HMAN RE!ORCE PLANNING
/H&man re%o&r)e +lannin, i% t'e +ro)e%% of fore)a%tin, a firm.% f&t&re -eman-
for an- %&++l3 of t'e ri,'t t3+e of +eo+le in t'e fi,'t n&m$er/.
T'e +lannin, +ro)e%%"
H/6 essentia""y in#"#e fre!asting persnne" needs' assessing persnne" supp"y and
mat!hing demand supp"y a!trs thrugh persnne" re"ated prgrammes. The p"anning pr!ess
is inf"uen!ed %y #era"" rgani&atina" %+e!ti#es and the en#irnment f %usiness.
Im+ortan)e of HRP
1. -uture 6ersnne" 3eed
2. Cping )ith Change
.. Creating High"y Ta"ented 6ersnne"
7. prte!tin f ;eaker Se!tin
:. T adpt Internatina" Strategies
?. -undatin fr 6ersnne" -un!tins
8. In!reasing In#estment in Human /esur!e
E. /esistan!e t Change and M#e
S.C.M.T. AKHIL BHATT
7H
HR Plannin, Pro)e%%
H/6 he"p t any rgani&atin fr the estimatin f h) many qua"ified pep"e are ne!essary
t !arry ut the assigned a!ti#ities' h) many pep"e )i"" %e a#ai"a%"e and )hat must %e dne
t ensure that persnne" supp"y equa"s persnne" supp"y equa"s persnne" demand at the
apprpriate pint in the future' )hi!h he"pfu" t a!hie#e effi!ien!y f %ank in their #arius
ser#i!es.
S.C.M.T. AKHIL BHATT
71
0n#irnment
=rgani&atina"
%+e!ti#es and p"i!es
H / Supp"y -re!ast H / 3eed -re!ast
H / prgramming
H/6 Imp"ementatin
Cntr" and 0#a"uatin
f 6rgramme
Shrtage /e!uritment
and Se"e!tin
Surp"us restri!ted
Hiring /edu!ed Hurs
/easn %ehind su!!ess f any rgani&atin is effi!ient system f Human /esur!e
6"anning a!ti#ities !arries ut %y their human resur!e department. H,-C %ank a"s f"")
the g"den system and try t imp"ement thse system in their rgani&atin )e"".
Human /esur!e 6"anning is the pr!ess %y )hi!h an rgani&atin ensures that it has
the right num%er and kind f pep"e' at the right p"a!e' at the fight time' !apa%"e f effe!ti#e"y
and effi!ient"y !mp"eting thse tasks that )i"" he"ps the rgani&atin a!hie#e its #era""
%+e!ti#es.
H) H/6 stand he"pfu" t H,-C BankB
-uture persnne" needsB
6arts f strategi! p"anning B
Creating high"y ta"ented )rk fr!eB
Internatina" %anking StrategiesB
-undatins f 6ersnne" fun!tinsB
In!reasing in#estment in human t sur#i#e "ngJtermB
RECRITMENT"
/Re)r&itment in0ol0e% attra)tin, an- o$tainin, a% man3 a++li)ation% a% +o%%i$le
from eli,i$le Go$ %ee1er%/.
,etermine the present and future requirement f the rgani&atin in !n+un!tin )ith
its ther a!ti#ities.
He"pfu" t attra!t the p" f +% !andidates at minimum !st.
He"p in!rease the su!!ess rate f the se"e!tin pr!ess %y redu!ing num%er f
unqua"ified emp"yees in the prir e#a"uatin.
He"p t redu!e the pr%a%i"ity that +% app"i!ants n!e re!ruited and se"e!ted )i""
"ea#e the rgani&atin n"y after a shrt perid f time.
S.C.M.T. AKHIL BHATT
72
Meet the rgani&atin "ega" and s!ia" %"igatin regarding the !mpsitin f its
)rkfr!e
Sur!es f /e!ruitmentD
E7Re)r&itin,
6erhaps n methd has e#er had as re#"utinary an effe!t n re!ruitment pra!ti!es as
the internet. There are respe!ti#e !mpany )e%sites de#ted in sme manner t +% psing
a!ti#ities. Current"y' emp"yers !an e"e!trni!a""y s!reen !andidateIs sft attri%utes' dire!t
ptentia" hires t a spe!ia" )e%site fr n"ine ski"" assessment. Cndu!t %a!kgrund !he!ks
#er the internet' inter#ie) !andidates #ia #ide!nferen!ing. And manage the entire pr!ess
)ith )e%J%ased sft)are. Cmpanies %enefit immense"y thrugh !st sa#ings. Speed
enhan!ement and )r"d)ide !andidate rea!h )hi!h the internet ffers. -rm the +% seekers
S.C.M.T. AKHIL BHATT
7.
6resent 0mp"yees
Trade Ass!iatin
Ad#ertisement
0mp"yment0(!hange
Campus re!ruitment
;a"kJins inter#ie)s
0J/e!ruiting
0mp"yee /eferra"s
-rmer 0mp"yees
6re#ius App"i!ants
perspe!ti#e the internet a"")s fr sear!hes #er a %rader array f gegraphi! and !mpany
psting than )as pssi%"e %efre. 6r%"ems nt)ithstanding' %th +% gi#ers as )e"" as +%
seekers find internet as the mst effe!ti#e sur!e f re!ruiting and its usage in the days t
!me )i"" %e a"" per#asi#e.
!ELECTION "
IISe"e!tin is the pr!esses f differentiating %et)een app"i!ants in rder in identifies
and hire thse )ith a greater "ike"ihd f su!!ess in a +%II.
!ele)tion Pro)e%%% "

S.C.M.T. AKHIL BHATT
77
Te"ephni! J inter#ie)
Se"e!tin Test
-ina" Inter#ie)
/eferen!e 9 Ba!kgrund
Ana"ysis
Se"e!tin ,e!isin
0mp"yment Agreement
=ffer Letter
Medi!a" C"arifi!atin
RECRITMENT : !ELECTION
H,-C %ankIs !ampus strategy is t "k at tier ne !ampuses "ike Ba+a+' S6 2ain' IMI'
SCMH/,' et! and nt n"y IIMIS. They g t 8H %usiness s!h"s' !#ering far a)ay p"a!es
"ike Bhu#anesh)ar' Ludhiana' Barda' et!. Students frm these institute understand the
psy!h"gy f the up !untry !ustmers and are am%itius a%ut )rking fr pri#ate se!tr
%anks. They hire B.Cm' M.Cm' engineers and ther graduates' as )e"" as MBAIs. Tday
the requirement is nt +ust g"%a"i&atin' %ut "!a"i&atin. T a!hie#e this they hire pep"e
frm #arius t)ns and !ities. They are e#en hiring managers frm rura" %a!kgrund. They
has a need t "!ate pep"e in :HH O %ran!hes a!rss .HH !ities. I !me t kn) in my
%ser#atin that %ank ften dnIt re!ruit frm IIMs. ;hen I asked a%ut this ' then the senir
manager says that the %ank is a%"e t attra!t IIM graduates after they ha#e )rked fr . t :
years f )rk e(perien!e and they ha#e e(perien!ed the rea" )r"d and are "ike"y t %e "ess
disi""usined. They take s!reening #ery serius"y' thugh they dnIt use dete!ti#es. They d
speak t !urrent emp"yers and ask questin a%ut perfrman!e and integrity. After the
!mp"etin f re!ruitment pr!ess' H,-C %ank starts it se"e!tin pr!ess a!!rding t its
s!hedu"e t the se"e!tin f deser#ed !andidates.
TRAINING : DEVELOPMENT
Ski""s requirement is !y!"i!a" and depends n stage in )hi!h the %usiness is in t. -ur
years ag. asset ski""s )ere re"ati#e"y rare. Then' as freign %anks gt ut f many asset
%usinesses' there )ere "ts f pep"e a#ai"a%"e' !hanging the market demand and supp"y. But
e#en n)' treasury ski""s are diffi!u"t t find as "ts f pep"e are ging #erseas. There is a
dearth f indi#idua"s )h ha#e re"e#ant ski""s t manage pri#ate and !rprate %anking.
,)n the rad' there )i"" %e a shrtage f genera"ists' as rgani&atin starts "king fr
indi#idua"s as s"utin spe!ia"ist rather than prdu!t spe!ia"ists. They are s)inging %et)een
genera"ists and spe!ia"ist. They rea"i&e they need %th and the pri!ing fr %th is different.
Their indu!tin prgram J S)agat C !#ers prdu!ts and %usiness f the %ank. It is f!used
n de#e"ping ski""s and #a"ues. -ur years ag they started an interna" emp"yee referra"
prgram !a""ed IKar SifarishI. It has %e!me ne f their mst preferred !hanne" and
S.C.M.T. AKHIL BHATT
7:
!ntri%utes signifi!ant"y t ta"ent a!quisitin. 0ar"ier the f!us )as 1HHL n hard ski""s. 3)'
sft ski""sI training has risen frm %eing nnJe(istent t .HL f the training effrts. They
rgani&e #arius prgrams in!"uding ut%und e(perientia" "earning' =pen Spa!es
Te!hn"gy' 6ersna" 0ffe!ti#eness' Leadership 0(!e""en!e' art f "i#ing' 4edanta' et!. Mst
training prgrams are de"i#ered in huse' e(!ept fr high"y te!hni!a" nes su!h as deri#ati#es.
The in huse training staff !mprises f 18 pep"e. 6ep"e in the sma""er !ities )ere missing
ut as training prgram )as %eing he"d in "arger metrs. They started sending their trainers t
the remte "!atins a%ut 1: mnths %a!k. the .Ba)1 Pa)1 Trainer%. take !"asses after
ffi!e hurs and this has %een mu!h appre!iated. The !st impa!t is minima" and the %enefits
manif"d. They in#ite guest "e!ture su!h as Bru!e Car"sn' C0=' Manageria" grid and
Stephen Haines' !hairman f strategi! management' t spend ha"f a day )ith they senir
management' t spend ha"f a day )ith they senir management. Bank has a strategi! tieJup
)ith IIM Ahmeda%ad fr a F day prgram !#ering' e!nmi!s' quantitati#e' %eha#ira"
"eadership' marketing' !rprate !mmuni!atins' et!. Bank seeds its .H f #i!e presidents
e#ery year as a part f "eadership de#e"pment p"an.
BENEFIT! TO THE INDIVIDAL #HICH LYMATELY BENEFIT TO THE
HDFC BANK
He"ps the indi#idua" in marketing %etter de!isins and effe!ti#e pr%"em s"#ing
Thrugh training and de#e"pment' mti#atina" #aria%"es f re!gnitin'
a!hie#ement' gr)th' respnsi%i"ity and ad#an!ement are interna"i&ed.
Aids in en!uraging and a!hie#ing se"fJde#e"pment and se"fJ!nfiden!e
He"ps a persn hand"e stress' tensin' frustratin and !nf"i!t
6r#ides infrmatin fr impr#ing "eadership' kn)"edge' !mmuni!atin ski""s and
attitudes
In!rease +% satisfa!tin and re!gnitin
M#es a persn t)ards persna" ga"s )hi"e impr#ing intera!ti#e ski""s
Satisfies persna" needs f the trainer
S.C.M.T. AKHIL BHATT
7?
6r#ides the trainee an a#enue fr gr)th and a say in his )n future
,e#e"ps a sense f gr)th in "earning
He"ps a persn de#e"p speaking and "istening ski""s
He"ps e"iminate fear in attempting ne) tasks
BE!T PRACTICE!
The mst imprtant thing in H/ is t h"d the !nfiden!e f pep"e. Ta"ent retentin
is a !ha""enge tday. Anther !ha""enge is managing e(pe!tatins f yungsters' )h are
"king
fr fast tra!king their !areer and )ant e(psure qui!k"y' they may nt %e "ured %y mney
a"ne' %ut the prfi"e that they )rk fr. Bank gi#es amp"e pprtunity t thse )h seek +%
rtatin' If they ha#e a ne) pening' they ad#ertise it interna""y. Banks phi"sphy is that it is
%etter t "se a persn t anther department than t anther %ank. Their 6erfrman!e
management system is their .%i,nat&re. system. They ha#e ne f the ")est rates f
attritin. Midd"e management n)ards their sa"aries here are gd. ;men ha#e %een rising
up the ranks in the %ank. At the +unir "e#e"' #er ..L f the )rkfr!e in !nsumer and
retai" %anking !mprises f )men. In the senir "e#e"s' it is a%ut 12L and in the tp
management' it is a%ut ? t FL. This rgani&atin )as #ery !st !ns!ius. Tday they ha#e
freign turs' parties as natina" and regina" "e#e"s' a)ard nights and utings. As an
rgani&atin they ha#e started !e"e%rating su!!ess.
S.C.M.T. AKHIL BHATT
78
S.C.M.T. AKHIL BHATT
7E
PLUS CURRENT ACCOUNT
In tdayIs fastJpa!ed )r"d' %usiness regu"ar"y requires t re!ei#e and send funds t #arius
!ities in the !untry. H,-C Bank 6"us Current A!!unt gi#es the p)er f interJ!ity %anking
)ith a sing"e a!!unt and a!!ess t mre than !ities.
-rm spe!ia" !heques that get treated at par )ith "!a" nes in any !ity )here a %ran!h' faster
!""e!tin f utstatin !heques @paya%"e at %ran!h "!atinsA' free a!!unt t a!!unt funds
transfer %et)een H,-C Bank a!!unts t -ree interJ!ity !"earing f up t 1HH "akhs per
mnth' their pririty ser#i!es ha#e %e!me the %en!hmark fr %anking effi!ien!y.
6"us Current A!!unt requires t maintain an a#erage quarter"y %a"an!e f /s. 1HH'HHH.
FEATRE! AND BENEFIT!
-ree A!!unt t a!!unt funds transfer %et)een H,-C Bank a!!unts
-ree payment and !""e!tin thrugh /T5S.
-ree payment and !""e!tin using 30-T @thrugh 3et%ankingA
-ree up t :H ,emand ,rafts per mnth and !an %e issued frm any H,-C Bank
Bran!h
-ree up t :H 6ay =rders @6=A per mnth and !an %e issued frm any H,-C Bank
Bran!h.
-ree any)here !""e!tin 9 payment transa!tins @!"earingA )ithin H,-C Bank
%ran!h net)rk @e(!ept ,ahe+A' up t /s.1HH "a!s per mnth.
Cn#enien!e t )ithdra) 9 depsit !ash at a"" ur %ran!hesP
.HH GAt 6arG !heque "ea#es free per mnth.
/egister fr InstaA"ert ser#i!e and re!ei#e updates n yur a!!unt as and )hen
the se"e!t transa!tin happens J a"" this )ithut #isiting the %ran!h r ATMQ
S.C.M.T. AKHIL BHATT
7F
PREMIUM CURRENT ACCOUNT
Business needs a partner )h !an manage yur finan!es )hi"e yu !n!entrate n gr)ing
yur %usiness.
1u !an a#ai" %enefits f interJ!ity %anking a!!unt )ith 6remium Current A!!unt' that
requires an a#erage quarter"y %a"an!e f n"y /s. 2:'HHH' ffers 6aya%"eJAtJ6ar !heque %k
fa!i"ity 9 -/00 interJ!ity !"earing transa!tins a!rss ur net)rk up t /s.2: La!s per
mnth.
A Current A!!unt )ith the %enefits f a!!essing yur a!!unt frm a "arge net)rk f
%ran!hes' and thrugh dire!t a!!ess !hanne"s J the phne' m%i"e' Internet and thrugh the
ATM.
FEATRE! : BENEFIT!
-ree any)here !""e!tin 9 payment )ithin H,-C Bank %ran!h net)rk @e(!ept
,ahe+A' up t /s.2: "a!s per mnth' in!rementa" amunt t %e !harged R /s.1.:H
per /s.1'HHH*J' min /s.2:*J
-ree 30-T Transa!tins.
-ree /T5S !""e!tin. /T5S payment R /s.1HH*J per transa!tin.
InterJ!ity A!!unt t a!!unts funds transfer %et)een H,-C Bank a!!unts at a
nmina" !harge f /s.1:*J per transa!tins.
-ree ,emand ,rafts @,,A a%#e /s.1HH'HHH*J. ,emand drafts up t /s.:H'HHH*J
at f"at !st f /s.7H*J. ,,s a%#e /s.:H'HHH*J 9 up t /s.1HH'HHH*J at nmina"
!st f /s.2:*J and !an %e issued frm any H,-C Bank Bran!h .
-ree 6ay =rder @6=A a%#e /s.1HH'HHH*J. 6ay =rder up t /s.:H'HHH*J at f"at !st
f /s.7H*J. 6=s a%#e /s.:H'HHH*J 9 up t /s.1HH'HHH*J at nmina" !st f /s.2:*J
and !an %e issued frm any H,-C Bank Bran!h .
1HH GAt 6arG !heque "ea#es free per mnth
S.C.M.T. AKHIL BHATT
:H
REGULAR CURRENT ACCOUNT
A Current a!!unt is idea" fr !arrying ut dayJtJday %usiness transa!tins. ;ith the H,-C
Bank /egu"ar Current A!!unt' yu !an a!!ess yur a!!unt anytime' any)here' pay using
paya%"e at par !heque r depsit !heque at any H,-C %ank %ran!h. It a"s fa!i"itates -/00
30-T transa!tins 9 -/00 /T5S !""e!tins fr faster !""e!tins in yur a!!unt. /egu"ar
Current A!!unt requires yu t maintain an a#erage quarter"y %a"an!e f n"y /s. 1H'HHH.
;ith a #ast net)rk f %ran!hes in !ities a"" #er the !untry' and a!!ess t a mu"titude f
ATMIs' yu !an keep tra!k f a"" yur transa!tins anytime.
FEATRE! : BENEFIT!
Cn#enient interJ!ity %anking B
,epsit yur "!a" !heques in ne %ran!h f a !ity and ha#e it !redited t yur
a!!unt at a %ran!h in anther !ity r make payments a!rss H,-C Bank
"!atins using 6A6 !heque fa!i"ity at a nmina" rate
-ree payments and !""e!tins thrugh 30-T
-ree /T5S !""e!tin. /T5S payment R /s.1HH*J per transa!tin
InterJ!ity A!!unt t a!!unts funds transfer %et)een H,-C Bank a!!unts at a
nmina" !harge f /s.1:*J per transa!tins
-ree ,emand ,rafts @,,A a%#e /s.1HH'HHH*J. ,emand drafts up t /s.:H'HHH*J
at f"at !st f /s.7H*J. ,,s a%#e /s.:H'HHH*J 9 up t /s.1HH'HHH*J at nmina"
!st f /s.2:*J .
-ree 6ay =rder @6=A a%#e /s.1HH'HHH*J. 6ay =rder up t /s.:H'HHH*J at f"at !st
f /s.7H*J. 6=s a%#e /s.:H'HHH*J 9 up t /s.1HH'HHH*J at nmina" !st f /s.2:*J
.
6aya%"e at par !heque %k at nmina" pri!e.
S.C.M.T. AKHIL BHATT
:1
REIMBURSEMENT ACCOUNT
/egister fr InstaA"ert ser#i!e and re!ei#e updates n yur a!!unt as and )hen
the se"e!t transa!tin happens J a"" this )ithut #isiting the %ran!h r ATMQ
3 mre paper)rk' n mre re!eipts t keep tra!k f J a hass"eJfree a!!unt that a"")s yu
t depsit the reim%ursements yu re!ei#e frm yur !mpany n a mnth"y %asis.
H) t =pen a /eim%ursement A!!unt
6r!ure an A!!unt =pening ,!ument @A=,A frm H,-C Bank. @If yu ha#e +ust +ined'
first request yur !mpany t pen up a Sa"ary A!!unt fr yuA.
Mentin yur Sa"ary A!!unt num%er and yur ,e%it Card num%er n the A=, s that yur
,e%it !ard !an %e "inked t %th' yur Sa"ary A!!unt as )e"" as yur ne) /eim%ursement
A!!unt. /equest yur !mpany t dire!t"y !redit !ash payments t the /eim%ursement
A!!unt.
FEATRE! : BENEFIT!
0asi"y distinguish %et)een reim%ursements and %asi! mnth"y sa"ary.
Chse frm either yur Sa"ary A!!unt r yur /eim%ursement A!!unt )hen
)ithdra)ing !ash frm H,-C Bank ATMs.
$ti"i&e 3et Banking' 6hne Banking and M%i"e Banking fa!i"ities.
/e!ei#e ha"fJyear"y statements f a"" yur reim%ursements' thus ding a)ay )ith
fi"ing indi#idua" re!eipts.
3 need t maintain a minimum %a"an!e @>er Ba"an!e A!!untA
/e!ei#e a separate !heque %k @n requestA fr yur /eim%ursement A!!unt.
ELIGIBILITY
The /eim%ursement A!!unt is aimed at sa"aried emp"yees.
S.C.M.T. AKHIL BHATT
:2
RFC DOMESTIC ACCOUNT
As an emp"yed indi#idua"' yu )i"" need t pen an H,-C Bank Sa"ary A!!unt
thrugh yur !mpany
T manage yur freign !urren!y effi!ient"y. 1u !an !hse t set up yur a!!unt either in
$S ,""ar' 5reat Britain 6und r 0ur.
Ho2 to O+en a RFC Dome%ti) A))o&nt
Chse the !urren!y in )hi!h yu )ish t perate.
=pen yur a!!unt )ith an initia" amunt as per the f"")ingJ$S ,""ar S 2:H T
5reat Britain 6und S 2HH T 0ur S 2:H and maintain an A#erage Uuarter"y
Ba"an!e f the same amunt.
FEATRE! : BENEFIT!
Maintains a re!rd f yur freign e(!hange transa!tins thrugh mnth"y
statements.
0n+y preferentia" rates )hen !n#erting yur freign !urren!y int Indian
/upees.
6rte!ts yu frm "sing mney due t e(!hange rate f"u!tuatins.
ELIGIBILITY
A"" /esident Indians @Indi#idua"sA ha#ing either a !urrent r sa#ings a!!unt )ith
H,-C Bank !an pen a /-C ,mesti! A!!unt.
If yu are a ne) !ustmer t the %ank' yu )i"" first need t pen either a !urrent
r sa#ings a!!unt )ith H,-C Bank.
This is an indi#idua" "e#e" a!!unt and !annt %e +int"y he"d )ith ther a!!unt
h"ders.
S.C.M.T. AKHIL BHATT
:.
Current"y 6artnership' 6rprietrship' H$- and Minrs are nt e"igi%"e t pen
su!h a!!unts.
ACCONT OPERATION
,epending n the -reign Curren!y in )hi!h yu )ish t perate the a!!unt' yu
)i"" ha#e t initia""y depsit the f"")ing amuntB $S ,""ar S 2:H T 5reat
Britain 6und S 2HH T 0ur S 2:H
1u must maintain an A#erage Uuarter"y Ba"an!e @AUBA f the same amunt.
The f"")ing is !hargea%"e if yu are nt a%"e t maintain the AUB.$S ,""ars S
1H T 5reat Britain 6und S 8 T 0ur S 1H
S.C.M.T. AKHIL BHATT
:7
TRADE CURRENT ACCOUNT
In tdayIs !hanging %usiness requirements' yu need t transfer funds a!rss !ities' and time
is f the essen!e. H,-C Bank Trade Current A!!unt gi#es yu the p)er f inter!ity
%anking )ith a sing"e a!!unt. -rm spe!ia" !heques that get treated at par )ith "!a" nes in
any !ity )here )e ha#e a %ran!h' t free a!!unt t a!!unt funds transfer %et)een H,-C
Bank a!!unts' t free interJ!ity !"earing f up t :H "akhs per mnth' ur pririty ser#i!es
ha#e %e!me the %en!hmark fr %anking effi!ien!y. Trade Current A!!unt requires yu t
maintain an a#erage quarter"y %a"an!e f /s. 7H'HHH.
FEATRE! : BENEFIT!
-ree A!!unt t a!!unt funds transfer %et)een H,-C Bank a!!unts.
-ree /T5S*30-T Transa!tins.
-ree up t .H ,emand ,rafts @,,A per mnth and !an %e issued frm any H,-C
Bank Bran!h.
-ree up t .H 6ay =rders @6=A per mnth and !an %e issued frm any H,-C Bank
Bran!h.
-ree any)here !""e!tin 9 payment )ithin H,-C Bank %ran!h net)rk @e(!ept
,ahe+A' up t /s.:H "a!s per mnth.
Cn#enien!e t )ithdra) 9 depsit !ash at a"" ur %ran!hesP
2HH GAt 6arG !heque "ea#es per free mnth .
/egister fr InstaA"ert ser#i!e and re!ei#e updates n yur a!!unt as and )hen
the se"e!t transa!tin happens J a"" this )ithut #isiting the %ran!h r ATMQ
H,-C Bank ffers yu ,rstep BankingP' a !hanne"' )hi!h is !n#enient'
se!ure and hass"eJfree. 3)' yu !an en+y the %enefits f %anking right at yur
drstep. The Bank )i"" arrange t render the ser#i!es "ike Cash 9 Cheque 6i!kup
and Cash ,e"i#ery' thrugh a reputed agen!y.
S.C.M.T. AKHIL BHATT
::
FLEXI CURRENT ACCOUNT
H,-C Bank -"e(i Current A!!unt is the ans)er t yur !hanging %anking needs during
peak seasns.
;ith H,-C Bank -"e(i Current A!!unt yur Cash ,epsit and Any)here Transa!tin
"imits are a mu"tip"e f the %a"an!e yu maintain in yur Current A!!unt.
S' during peak seasns' yu get the %enefit f higher transa!tin "imits due t the higher
a#erage %a"an!es maintained in yur a!!unt.
-"e(i Current A!!unt requires yu t maintain a minimum A#erage Mnth"y Ba"an!e
@AMBA f +ust /s. 8:'HHH.
FEATRE! : BENEFIT!
0n+y dynami! free "imits n Inter!ity 6ayments' C""e!tins 9 -unds Transfer as
)e"" as Cash ,epsit at hme "!atin %ran!hes %ased n the AMB maintained
6ay yur #endrs n a rea" time %asis using /ea" Time 5rss Sett"ement @/T5SA
a#ai"a%"e a!rss 2.'HHH Bank Bran!hesP. ;hatKs mre' payments and !""e!tins
thrugh /T5S are !mp"ete"y freeQ
Make and re!ei#e remittan!es t 9 frm yur #endrs 9 !ustmers a!rss 2H'HHH
O Bank Bran!hes f mre than :H Banks thrugh 3et Banking using 3atina"
0"e!trni! -und Transfer @30-TA' A%s"ute"y -reeQ
-ree 7H ,emand ,rafts 9 -ree 7H 6ay =rders issued frm any H,-C Bank
Bran!hP
Cn#enien!e t )ithdra) and depsit !ash at a"" ur %ran!hes.
Cmpetiti#e pri!ing n ,emand ,rafts dra)n n Crrespndent Banking
L!atins as )e"" as =utstatin Cheque C""e!tin at H,-C Bank L!atins
InstaA"ert ser#i!e J re!ei#e updates n yur a!!unt as and )hen the se"e!t
transa!tin happens C a"" this )ithut #isiting the Bran!h r ATMQ
S.C.M.T. AKHIL BHATT
:?
NET BANKING
3etBanking is H,-C BankIs Internet Banking ser#i!e. 6r#iding upJtJtheJse!nd a!!unt
infrmatin' 3etBanking "ets yu manage yur a!!unt frm the !mfrt f yur muse J
anytime' any)here.
FEATRE!
4ie) A!!unt Ba"an!es 9 Statements
Transfer -unds %et)een a!!unts
Create -i(ed ,epsits =n"ine
/equest a ,emand ,raft
6ay Bi""s
=rder a Cheque Bk
/equest Stp 6ayment n a Cheque
And "ts mre
BENEFIT!
Internet Banking is the mst !n#enient and p)erfu" )ay t manage yur
a!!unt.
3etBanking is /ea" Time' gi#ing yu upJtJtheJse!nd detai"s n yur a!!unt.
It !an %e a!!essed anytime' frm any)here' gi#ing yu !mp"ete !ntr" #er
yur finan!es
There are n queues t stand in' r turns t )ait fr. ;ith 3etBanking yu are in
!ntr".
S.C.M.T. AKHIL BHATT
:8
INSTA ALERT
T re!ei#e updates n yur a!!unt as and )hen the se"e!t transa!tin happens J a"" this
)ithut #isiting the %ran!h r ATM. 1u !an get ser#i!es frm insta a"ert "ike'
,e%it transa!tins greater than /s. :'HHH* /s.1H' HHH* /s. 2H'HHH*/s. :H'HHH
Credit in a!!unt greater than /s. :'HHH* /s.1H' HHH* /s. 2H'HHH*/s. :H'HHH
A!!unt Ba"an!e %e") /s. :'HHH* /s.1H' HHH* /s. 2H'HHH*/s. :H'HHHJ
;eek"y a!!unt %a"an!e
Sa"ary CreditsP
$ti"ity %i"" payment due A"ert
ELIGIBILITY
T register fr InstaA"ert' a"" yu need is a Sa#ing r Current a!!unt @S"e
6rprietrship*6artnership*=ther CrprateA )ith H,-C Bank. Bth /esident and 3n
/esident Indians are e"igi%"e.
FEE!
InstaA"ert is -/00 fr a"" Sa#ings A!!unts .
Current A!!unts are !harged at /s. :H*J per quarter
S.C.M.T. AKHIL BHATT
:E
EMAIL STATEMENT
H,-C Bank intrdu!es 0mai" Statements fr a"" its Sa#ings 9 Current a!!unt h"ders.
1u !an n) re!ei#e yur statements #ia emai" )ithut any de"ays. 1u a"s ha#e the ptin
t maintain the statement n emai"' print it r sa#e it n a C,.
FEATRE! : BENEFIT!
0mai" Statements are -/00.
If yu ha#e a sa#ings a!!unt yu )i"" get mnth"y 0mai" Statements.
If yu ha#e a !urrent a!!unt yu !an pt fr dai"y * )eek"y * mnth"y 0mai"
Statements
6hysi!a" statements )i"" %e dis!ntinued if yu pt fr 0mai" Statements.
0mai" Statements )i"" f"") a staggered !y!"e' %ased n the date f a!!unt
pening.
0#en if yu are registered fr h"d mai"s' yu !an pt fr 0mai" Statements.
5et infrmatin n ur ne) prdu!ts and mandatry infrmatin n"ine.
0mai" Statements )i"" %e nnJ!m%ined statements.
S.C.M.T. AKHIL BHATT
:F
ATM
5"%a" 3et)rk H,-C Bank ATMs are a part f the 4ISA Internatina" 6"us ATM 3et)rk
and the MasterCard Internatina" Cirrus ATM 3et)rk' and !an %e a!!essed %y a"" dmesti!
and internatina" MasterCard' Cirrus r Maestr and 4ISA 0"e!trn !ardh"ders fr !ash
)ithdra)a"s and %a"an!e inquiries.
CREDIT CARD PAYMENT 7 Make payment f yur H,-C Bank !redit !ard %i""
using the ATM.The primary a!!unt f yur ,e%it * ATM !ard )i"" %e de%ited.
CHEHE !TAT! ENHIRY 7 5et infrmatin a%ut status f a !heque issued
t yur a!!unt.
REGENERATE INTERNET PIN 7 /equest fr reJgeneratin f Internet 6I3
@I6I3A fr yur Cust I,
4F7HOR ACCE!! TO CA!H 7 ;ithdra) up t /s.1H'HHH*J per day n yur
ATM Card and up t /s. 1:'HHH n yur ,e%it Card. The fast !ash ptin sa#es yur time
%y pr#iding the !ash in denminatins f /s.:HH*J.
VIE# ACCONT BALANCE! : MINI7!TATEMENT! 7 5et detai"s f
the "ast F transa!tins n yur a!!unt )ith the miniJstatement' a"ng )ith yur %a"an!e.
ORDER A CHEHE BOOK ( ACCONT !TATEMENT
TRAN!FER FND! BET#EEN ACCONT! 7 1u !an a"s transfer mney
frm ne f yur a!!unts t anther. Bth a!!unts must %e "inked t yur ATM Card
and Custmer I,. A ma(imum f : Sa#ing and : Current A!!unts !an %e "inked.
S.C.M.T. AKHIL BHATT
?H
REFILL YOR PREPAID CARD J If yu are an H,-C Bank A!!unt h"der
and a prepaid !ustmer' yu !an n) refi"" yur prepaid !ard )ith ur 6repaid /efi""
ser#i!e.
PAY YOR TILITY BILL! J 6ay yur !e""u"ar' te"ephne and e"e!tri!ity %i""s
thrugh the ATM using Bi""6ay' a !mprehensi#e %i"" payments s"utin.
DEPO!IT CA!H OR CHEHE! 7 1u !an depsit !ash r !heques int yur
a!!unt and the ATM )i"" immediate"y print a re!eipt fr the same.
CHANGE YOR PIN J 1u !an !n#enient"y !hange yur 6I3 @gi#en at the time f
pening yur a!!untA )hene#er yu )ish.

LEARN ABOT ALL OR OTHER PRODCT! 7 Simp"y se"e!t a prdu!t
and a"" the infrmatin yu require )i"" %e disp"ayed n the s!reen.
TRAN!ACTION FEE!
There is n !harge fr using the !ard at H,-C Bank ATMs
There is n !harge fr using the !ard at a Mer!hant "!atin. H)e#er' at 6etr"
6umps and /ai")ay statins transa!tin !harges are "e#ied as per Industry pra!ti!e
TRAN!ACTION CA!H
#ITHDRA#AL
BALANCE
INHIRY
,mesti! 4isa* 6"us ATMs and Cirrus
ATMs
/s.18.EH*J @6"us
Ta(esA
3IL
Internatina" 4isa* 6"us ATMs and Cirrus
ATMs
/s. 11H*J /s. 1:*J
S.C.M.T. AKHIL BHATT
?1
VISA MONEY TRANSFER
CRADIT CARD
H,-C Bank %rings t yu 4isa Mney Transfer J a fa!i"ity thrugh )hi!h yu !an n)
transfer funds t any 4isa Card @de%it r !reditA )ithin India at yur )n !n#enien!e
thrugh H,-C BankIs 3etBanking fa!i"ity.
KEY BENEFIT!
Transfer funds frm yur a!!unt t any 4isa Card @de%it r !reditA )ithin India.
Cn#enien!e at its %est J 3 queuing up at Bank %ran!hes r )aiting fr yur ,,
t %e de"i#ered at yur hme*ffi!eQ
Transfer mney at Gneg"igi%"e !stII in mu!h faster' safer 9 easier )ay
PROCE!! FOR REGI!TRATION
Lg n t 3etBanking page n hdf!%ank.!m
0nter yur Custmer I, and 6ass)rd
5 t Third 6arty -unds Transfer and se"e!t 4isa Mney Transfer
0nter Transfer detai"sJ Sender and /e!ipient Infrmatin
Cnfirm transa!tin
S.C.M.T. AKHIL BHATT
?2
=ur range f Cards he"p yu meet yur finan!ia" %+e!ti#es. S )hether yu are "king t
add t yur %uying p)er' !ndu!ting !ash"ess shpping' r %udgeting yur e(penditure' yu
)i"" find a !ard that suits yu. Besides arming yu )ith unmat!hed spending p)er' ur
Credit Cards are designed t meet yur unique needs. Chse ne thatIs tai"red fr yu. The
%est !redit !ards are a#ai"a%"e here' in!"uding e#en the n"ine !redit !ards ser#i!e 3etsafe.
CLA!!IC CARD!
!il0er Cre-it Car-
Chse Internatina""y a!!epted Si"#er Credit Card and enter a )r"d f pri#i"eges and
sa#ings.
!PECIAL BENEFIT CARD!
Val&e Pl&% Cre-it Car-
A true #a"ue !ard that ena%"es yu t a#ai" :L !ash %a!k n a"" yur pur!hases.
Healt' Pl&% Cre-it Car-
Cash"ess Medi!"aim' dis!unts at parti!ipating hspita"s' e(tra prte!tin fr yur fami"y.
1u !an rest assured )ith the Hea"th 6"us Credit Card.
S.C.M.T. AKHIL BHATT
?.
PREMIM CARD!
Gol- Cre-it Car-
A !ard t mat!h yur premium "ifesty"e )ith features "ike spe!ia" ffers n air and train
ti!keting' assured :HL dis!unts n hte" tariffs' and re)ards redemptin against air mi"es.
Titani&m Cre-it Car-
Limited 0ditin !ard )ith 27V8 !n!ierge ser#i!es' &er sur!harge n fue" and a!!e"erated
t)Jtier re)ards prgramm.
#oman.% Gol- Car-
0n+y the %enefits f the %est premium !ard made spe!ifi!a""y fr )men. App"y fr H,-C
Bank ;manIs 5"d !redit !ard.
Platin&m Pl&% Cre-it Car-
IndiaIs n"y 6"atinum Credit Card )ith e(!"usi#e tra#e" and preferentia" %enefits J a
re!gnitin f thse )h ha#e Garri#ed in "ifeG. 0n+y a )r"d f e(!"usi#e pri#i"eges n yur
H,-C Bank 6"atinum 6"us Credit Card.
Vi%a !i,nat&re Cre-it Car-
A !ard fr the rarest f the rare A !ard )ith unique and e(!"usi#e pri#i"eges that !mp"ement
yur refinement and sty"e. Cme e(perien!e the )r"d f many !ntended mments.
#orl- Ma%terCar-
H,-C Bank presents IndiaIs -irst ;r"d MasterCard Credit Card J A #ery premium ffering
fr the tru"y e"ite' a !ard )ith tai"rJmade premium pri#i"eges that !mp"ement a dis!erning
"ifesty"e.
.
S.C.M.T. AKHIL BHATT
?7
FOREIGN EXCHANGE AND TRADE SERVICES
If yu need t dea" in freign !urren!y and keep ta%s n e(!hange rates e#ery n) and then'
transfer mnies t India' make payments et!.' H,-C Bank has a range f prdu!ts and
ser#i!es that yu !an !hse frm t transa!t smth"y' effi!ient"y and in a time"y manner.
A. TRAVELLER! CHEHE!
Tra#e""ers Cheques are a safe and easy )ay t prte!t yur mney )hen yu tra#e". 1u
!an en!ash them n"y )hen yu need t' and n"y against yur signature' un"ike !ash
)hi!h !an %e st"en and misused %y any%dy' immediate"y. Lss f Tra#e""ers Cheque !an
%e reprted any)here in the )r"d %y making a sing"e phne and the preJfi(ed amunt n
the !heques are made refunda%"e.
4. FOREIGN CRRENCY CA!H
-reign Curren!y Cash is a !n#enient )ay f meeting persna" e(penses a"ng yur
+urney' paying fr ta(is * interna" tra#e"' fd e(penses et!.
1u !u"d a#ai" f -reign Curren!y Cash in $S,' 5B6' 0$/=' A$, and CA, frm
ur %ran!hes ffering -reign 0(!hange fa!i"ities.
D. FOREIGN CRRENCY DRAFT!
6ayment f $ni#ersity fees a%rad
Making a gift remittan!e t a friend r re"ati#e
6ayment f app"i!atin fees fr #arius e(ams "ike T=0-L ' 5MAT et!.
6ayment fr medi!a" treatment a%rad
And a"" ther permitted purpses as per the /BI guide"ines
S.C.M.T. AKHIL BHATT
?:
F. CHEHE DEPO!IT!
1u !an dire!t"y depsit yur freign !urren!y !heques in t yur sa#ing r !urrent
a!!unt. H,-C Bank )i"" then ha#e the !heques sent fr !""e!tin and the funds )i"" %e
!redited t yur a!!unt in Indian /upees. ;e a!!ept !heques f #arius !urren!ies "ike
$S,' 5B6' 0ur' 261' Austra"ian ,""ars' Canadian ,""ars' $A0 ,irhams' Hng Kng
,""ars and S)iss -ran!s.
;. REMITTANCE!
H,-C Bank ffers yu the remittan!e fa!i"ities %y )hi!h yu !an t send and re!ei#e
mney t yur "#ed nes. They are !ategri&ed depending n yur "!atin and the
urgen!y )ith )hi!h yu )ant the mney transferred.
Cheque B( J A !n#enient )ay t remit mney' !urrent"y a#ai"a%"e fr 3/Is in
the $S and 0urpe.
Te"egraphi! transfer J /emittan!e f mney thrugh ur Crrespndent Banks.
E. CA!H TO MA!TER
=ften' freign ships tra#e" thrugh India and d!k their #esse"s at #arius prts * har%rs
in the !untry. =ne f the ma+r requirements during su!h temprary stays' is that f -C1
Cash that has t %e made a#ai"a%"e t the Captain f the Ship fr !#ering Cre) )ages r
fr ther e(penses n %ard the ship.
6. FOREC !ERVICE! BRANCH LOCATOR
3) freign e(!hange fa!i"ities !an %e a#ai"ed %y !ustmers )h d nt ha#e a!!unts
)ith us at any f ur %ran!hes transa!ting in -reign 0(!hange. 1u !an %uy -C1 Cash'
TCIs and -C1 ,,Is frm any ur %ran!h and a"s en!ash yur TCIs and Cash at ur
%ran!hes @a#ai"a%"e at se"e!t %ran!hes n"yA.
S.C.M.T. AKHIL BHATT
??
S.C.M.T. AKHIL BHATT
?8
FINDINGS
/espndent mre gi#e !nsideratin n ser#i!es )hi!h are gi#en %y the %ank )hen
pining an a!!unt in the %ank.
The respndent are pining !urrent a!!unt in the %ank main"y fr there dai"y
transa!tin purpse that is E2.22 L
There are a"s fe) num%er f respndent )h are pening !urrent a!!unt fr their
share market purpse and fr the %rkerage huse purpse.
Mst f the respndent ?7 L are pining their a!!unt in 3atina"i&ed %ank rather
than the 6ri#ate r any ther.
There are mre n f respndent are use their !urrent a!!unt fr 1HHHH t 2:HHH fr
their !ash )ithdra)a" that is 87.77 L and a"s same !ash depsite "imit that is :7.77
L.
/easn fr ") transatin is that mst f the respndent ha#ing sma"" r medium
si&e firm r shp.
/espndent use insta a"ert fa!i"ity at the mst that is 8. num%ers than ther "ike net
%anking r phne r m%i"e %anking.
There are E?.?? L respndent satisfy )ith their e(isting %ank and a"s 8?.?? L
%e"ie#e that their e(isting %ank is %etter than ther %ank.
Mst f the respndent gi#es their preferen!e fr the SBI BA3K that is .2.22 L fr
%etter ser#i!e !riteria fr the pining an a!!unt.
/espndent gi#es mst !nsideratin n ser#i!e )hi"e pining an a!!unt in any
%ank and a"s it is ma+r !riteria fr impr#ement f any %ank.
S.C.M.T. AKHIL BHATT
?E
SUGGESTIONS
Its marketing pep"e shu"d %e thrugh )ith kn)"edge f the prdu!t and their
features' )hi!h )i"" "ead t attra!t mre and mre num%er f in#estrs.
The num%er f ATM !enters shu"d %e in!reased s that it )u"d %e stand as assets fr
them at the time )hen they require the attentin f the in#estrs.
T make f!us n the rura" side %e!ause there is "t f ptentia" in this part )here
mu!h f !n!entratin is nt made rather then ha#ing a fu"" f"agged %ran!h %ank has
t de#e"p its m%i"e %ran!h "ike that f the ther g#ernment %anks s as t e(pand
its area t)ards #i""ages and t)ns. It f!uses n"y n the areas' )hi!h are f"urished
)ith r )here there is a%undant f mney' here they are "a!king %ehind %e!ause per
the e(perien!e n) a days in rura" areas a"s there is "t f ptentia" fr this type f
%ank.
In !ase f !harges they shu"d ha#e !mpetiti#e !harges as !mpared t that f ther
%anks s that the in#estrs )h a"" are fr)arding themse"#es t)ards ther %ank )i""
di#ert their mind and )i"" happi"y in#est )ith H,-C.
In marketing mi( espe!ia""y the prmtin part shu"d %e de#e"ped "ike pening
%a"an!e f the a!!unt shu"d %e "ess than t) thusand fi#e hundred i.e. it shu"d %e
%et)een thusand t t) thusand and they shu"d ha#e t !nsider the !harges f
8:H /s and try t redu!e it.
Bank shu"d ha#e t gi#e !ash pi!k up' !ash de"i#ery and !heque pi!k up t and frm
the !ustmers )hi!h !an a"s in!rease their !ustmer %ase.
H,-C %ank is nt a!!epting !ash depsit frm thirdJparty %ut this fa!i"ity is pr#ided
%y ther %anks "ike $TI et!. Bank shu"d ha#e t pr#ide this fa!i"ity.
H,-C %ank takes !harges n transa!tin f !ash )hi!h depsit t ther %ran!hes f it.
S %ank shu"d ha#e t e"iminate these !harges as it is nt taken %y ther %anks.
S.C.M.T. AKHIL BHATT
?F
SWOT ANALYSIS OF HDFC BANK
!TRENGTH!
Cutting edge te!hn"gy' at "east %y Indian standards
L)est funding !sts
Best a!!ess amng Indian %anks t !apita" markets
C/ISIL assigns AAA rating t H,-C %ank n 7*11*2HH: )hi!h indi!ates sund
psitin in the se!tr.
H,-CKS distri%utin net)rk is the %iggest strength f the !mpany.
H,-C %ank is gi#ing ") interest rate n husing finan!e than ther pri#ate
%anks.
In pri#ate se!tr %anking' H,-C %ank has the highest num%er f %ran!hes in
semiJur%an area.
The %ank has !nne!tin )ith S;I-T internatina" net)rk fr easy transfer f
mney.
H,-C has strng management t perate its fun!tin.
#EAKNE!!
S!a"e' sme state %anks are "arger C mu!h "arger thugh sitting targets right n)
The !mpany has "arge amunt f nnJperfrming "ans.
The %ank has "ess !n!entratin in rura" areas.
H,-C %ank is taking higher !harges n ,emand draft' fund Transfer in regu"ar
!urrent a*! than ther natina"i&e %ank.
H,-C %ank is nt a!!epting !ash depsit frm thirdJparty.
S.C.M.T. AKHIL BHATT
8H
OPPORTNITY
-ast gr)ing Indian e!nmy and massi#e rise f midd"e !"ass
/apid e(pansin f distri%utin net)rk and retai" fferings
L) #a"uatin
,epre!iating d""ar
The p"ari&ed %anking s!enari' )ith a "arge unfu"fi""ed need gap' a %ank that
ffered the %est f %th )r"ds had a ready and )aiting market.
Cmpany a"s has pprtunity frm the dissatisfa!tin f the !ustmers f pu%"i!
se!tr %ank and freign %ank.
Cmpany gets %enefit %y minimi&ing the remedies f %th pri#ate %ank and
freign %ank.
THREAT!
,ue t g#ernment "i%era"i&atin and g"%a"i&atin p"i!y' %anking se!tr %e!ame
pen fr e#ery%dy. S' ne)er and ne)er pri#ate and freign firms are pening
their %ran!hes in India. This has intensified the !mpetitin
Liquidity in ! perati#e %anks a"s make pr%"em fr the pri#ate %anks.
Mira!"e restru!turing f state %anks. 0ither that r they Wg nutsX in trying t
!mpete
Indian 0!nmi! gr)th peters ff.
S.C.M.T. AKHIL BHATT
81
CONCLUSION
S.C.M.T. AKHIL BHATT
82
-rm the training' I !ame t kn) h) t dea" )ith the !"ients' espe!ia""y frm the
marketing pint f #ie). -rm this ne 9 ha"f mnth f training I ha#e "earnt that
pra!ti!a" kn)"edge is #ery ne!essary in any fie"d. My thrugh study f a"" the
rgani&atina" departments has a"s made me a)are a%ut h) a"" the departments try
t !rdinate ea!h ther 9 "ed the %ank t)ards the peak f prfits.
My training at H,-C Bank' Bha#nagar %ran!h' has "ead me t "earn that h) the
%anks )rk effi!ient"y a"thugh in this !mpetiti#e era. The training "ead me t
understand h) a"" the departments f the %ank name"y peratins' marketing' finan!e
and human resur!e departments )rk in a !rdinated )ay and h) the %ran!h
manager tries t +in a"" the different hands )ith ea!h ther.
My training has a"s taught me h) the pri#ate se!tr %anks )rks in this !mpetiti#e
and fast m#ing en#irnment. The %ankers are trying t pr#ide a )ide range f
prdu!ts and ser#i!es and #ery effi!ient ser#i!es t its !ustmers.
The tugh and !mpetiti#e )rks dne %y its emp"yees has made me a)are a%ut
the needs t !hange )ith the !hanging en#irnment t sur#i#e in the !mpetiti#e
market. It a"s ga#e me an e"a%rated study f the rgani&atina" study f the Bank.
My training ga#e me a gd "earning and ga#e me an idea a%ut the pra!ti!a"ity f the
theries )hi!h I ha#e "earned as a part f my study sy""a%us in my M.B.A prgramme.
It a"s ga#e me idea h) the %anks )rks and are managed %y its e(e!uti#es the
)h"e day. The regu"ar and rutine de!isins taken %y the managers f different
department s as t "et the )rking g n smth"y )ithut any hindran!es. It has
a"s made me a)are f regu"ar maintenan!e f the %ran!h and its emp"yees.
S.C.M.T. AKHIL BHATT
8.
The prfessina"ism is the mst imprtant thing )hi!h I nti!ed. The updated
kn)"edge f nt e#erything %ut the %asi! is ne!essary in this )r"d. It has a"s ga#e
me an idea h) the managers at tp "e#e" ta"k and %eha#e #ery ni!e"y and !rdia""y
)ith the staff right frm the )at!h man' his su%rdinates t their senir ffi!ers a"ng
)ith its !ustmers.
They a"s try t maintain the gd rgani&atina" !u"ture and dis!ip"ine in the
rgani&atin )hi!h is suita%"e and hea"thy fr a"" )h are )rking #er there and )h
are dire!t"y r indire!t"y atta!hed t the %ank in!"uding its !ustmers.
The %ank has pr#ided me the "earning f h) the !ustmers %"ind"y %e"ie#e n the
%anks and h) the %ankers try t retain it patient"y.
My "earning says that it is nt an easy task t remain stand thrugh in this !mpetiti#e
era.
My ne and ha"f mnth e(perien!e says that its easy t "earn theries %ut yu shu"d
kn) h) t app"y them pra!ti!a""y than n"y yu !an put yurse"f in this
en#irnment.
S.C.M.T. AKHIL BHATT
87
BIBLIOGRAPHY
BOOK!
6hi"ip Kt"er' WMarketing ManagementX' 11
th
editin' 6earsn edu!atin Asia
6u%"i!atin.
MAGA?INE
Banking finan!e' 0ditr /.5 Agra)a" and Ass!iates' Mar!h 2HH:
NE#!PAPER!
Business standard
0!nmi!s times
#EB!ITE!
))).hdf!.!m
))).H,-CBA3K.C=M
))).persna"fn.!m
sear!h engine J ))).5g"e.!m
S.C.M.T. AKHIL BHATT
8: