RESEARCH Project Report On Analysis of P roduct & Services ofHDFC BANK LTD. SUBMITTED towards the fulfillment of the award ofPost graduate diploma in management to the greater Noida institute ofmanagement greater Noida (u.p) Approved by AICTE,NEW DELHI 2011-2012 Under the guidn!e o" #r$ % % &rg 'ub(itted by Annd r) *o++ no 10200&nit !o++ege o" #nge(ent 1%NWLED&E .A*%, .HA'EII, &*EATE* NIDA CERTIFICATE
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8/10/2019 Analysis of Product & Services of HDFC BANK LTD.
Presenting the only eAge Savings Account that keeps pace with your growing needs. It is
a uni@ue savings account in India, which helps you withdraw or deposit cash through wide
network o !ranches and A0)s across India.+njoy the comorts o $R++ Phone&anking, )o!ile&anking and 1et&anking rom
practically anywhere, anytime with your savings account.
Jse your International #e!it %ard to shop at over =< lakh esta!lishments in /< countries.Pay your electricity, mo!ile phone and telephone !ills through the phone, Internet or the
A0) with the uni@ue &illPay $acility. All this is yours or a minimum !alance o just Rs-
"n eas*1to1operate sa!ings a##ount that allows *ou to issue #he7ues8 draw Demand Drafts and withdraw#ash. $he#, up on *our 3alan#es from the #omfort of *our home or offi#e through NetBan,ing8 PhoneBan,ing and Mo3ileBan,ing. Need mone* urgentl*9 2ithdraw #ash from an* of the ::; "TM #entres spread a#ross the #ountr*.
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2ide networ, of 3ran#hes and o!er thousand "TMs to meet all *our 3an,ing needs no matter where *ou arelo#ated.Ban, #on!enientl* with fa#ilities li,e NetBan,ing and Mo3ileBan,ing1 #he#, *our a##ount 3alan#e8 pa* utilit*3ills or stop #he7ue pa*ment8 through SMS.Ne!er o!erspend1 Shop using *our International De3it $ard that refle#ts the a#tual 3alan#e in *our sa!ingsa##ount.Personalised #he7ues with *our name printed on ea#h #he7ue leaf for enhan#ed se#urit*.Ta,e ad!antage of BillPa*8 an instant solution to all *our fre7uent utilit* 3ill pa*ments. Instru#t for pa*ment o!er the phone or through the Internet.
"!ail of fa#ilities li,e Safe Deposit -o#,er 8 Sweep1In and Super Sa!er fa#ilit* on *our a##ount.
< ree transa#tions on SBI="ndhra Ban, "TMs per month.ree Pa*a3le1at1Par #he7ue3oo,8 without an* usage #harges upto a limit of s.>8>>>=1 per month.ree Insta"lerts for all a##ount holders for lifetime of the a##ount.ree Pass3oo, fa#ilit* a!aila3le at home 3ran#h for a##ount holders (indi!iduals
Introdu#ing the 3est 3an,ing option for *ou with 0D$ Ban, Sa!ings Plus "##ount. Now *ou #an get a##ess to some of the finest 3an,ing fa#ilities with0D$ Ban,s Sa!ings Plus "##ount. "ll *ou ha!e to do is maintain an "!erage?uarterl* Balan#e of s. @>8>>>=1 and e%perien#e the 3enefits as mentioned3elowA
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2ide networ, of 3ran#hes and o!er thousand "TMs to meet all *our 3an,ing needsno matter where *ou are lo#ated. ree transa#tions on an* other Ban,s "TM per monthree International De3it $ard for all a##ount holders for life time of the a##ount.ree Pa*a3le at Par (P"P) #he7ue3oo, without an* usage #harges upto a limit of>8>>> per month.ree Demand Drafts on 0D$ Ban, lo#ations8 upto a limit of :8>>>=1 per da*.ree BillPa* 6 Insta"lerts for all a##ount holders for lifetime of the a##ountree Ele#troni# unds Transfer fa#ilit*8 NetBan,ing8 PhoneBan,ing 6Mo3ileBan,ingSpe#ial relationship dis#ount on pur#hase of +old Bars:C1off on the -o#,er rental for the @st *ear (onl*).Inter#it* Ban,ing = Multi1#it* Ban,ing.ree Pass3oo, fa#ilit* a!aila3le at home 3ran#h for a##ount holders (indi!iduals).ree Email Statement fa#ilit*.
2el#ome to a world of #on!enien#e. Presenting Sa!ingsMa% a##ount8 loaded withma%imum 3enefits to ma,e *our 3an,ing e%perien#e a pleasure. B* maintaining ana!erage 7uarterl* 3alan#e of ust s. :8>>>=1 *ou get a host of premium ser!i#esfrom 0D$ Ban, a3solutel* free.
eture3 7 ene"it35-ree unlimited transa#tionsA $ash withdrawal and 3alan#e en7uir*8 at all 0D$Ban, "TMs 6 on an* other Ban,s "TM using *our 0D$ Ban, De3it $ard.ree +old De3it $ard for primar* a##ount holder for lifetime of the a##ount. +old
De3it $ard for other a##ount holders at s :>=1 p.a.ree 2omans "d!antage=International De3it $ard for all a##ount holders forlifetime of the a##ount.ree Pa*a3le1at1Par (P"P) #he7ue3oo,8 without an* usage #harges upto a limit of@ la# per month.ree Demand Drafts on 0D$ Ban, lo#ations8 upto a limit of >8>>>=1 per da* athome 3ran#h.Self=Third Part* $ash Deposit=2ithdrawal at non1home 3ran#hes8 upto s >8>>>=1per da* free. "3o!e s >8>>> a #harge of s :.> per thousand on the fullamount would 3e appli#a3le.4ptional sweep out fa#ilit* to transfer e%tra sa!ings to a i%ed Deposit8 at the
threshold of s.>8>>>=1.In the e!ent of the 3alan#e in Sa!ingsMa% a##ounte%#eeding s >8>>>=18 the amount in e%#ess of s >8>>>=1 will 3e swept out in toa i%ed Deposit with a minimum !alue of s :>>>=1 for a @*ear @da* period.ree BillPa* 6 Insta"lerts for all a##ount holders for lifetime of the a##ount.ree Monthl* Statement of "##ount.>C off on the -o#,er rental for the @st *ear onl*.olio maintenan#e #harges on Demat a##ount free for first *ear.ree National Ele#troni# unds Transfer fa#ilit*8 NetBan,ing8 PhoneBan,ing 6Mo3ileBan,ing.
0D$ Ban, appre#iates *our needs and endea!ours8 whi#h is wh*8 we present ana##ount espe#iall* dedi#ated to *ou8 whi#h li,e a dutiful #hild will help *ou fulfill*our needs in the 3est manner possi3le.
+i!en 3elow are some of the e%#lusi!e pri!ileges *ou #an loo, forward with the Senior $iti&ens "##ounts
Shop with pride with *our Eas*Shop International De3it $ard offered free for life to the firstappli#ant. Shop (Point 4f Sale limit) upto s.:8>>>=1 per da*.Eno* an enhan#ed #ash withdrawal limit of s.:8>>>=1 per da* on the De3it $ard forwithdrawals at an* 0D$ Ban, "TM./ou need not sear#h for an 0D$ Ban, "TM8 *ou #an a!ail of < free #ash withdrawaltransa#tions per month at an* other 3an, "TM.Pa*a3le1at1Par (P"P) #he7ue3oo,s are issued free. 2ith this fa#ilit*8 outstation #he7ues issued3* *ou (for #learing) will 3e treated as lo#al #he7ues8 at an* 0D$ Ban, lo#ation.2hats more8 eno* free P"P usage upto s.>8>>>=1 per month. " nominal #harge of e.@=1 per@>>> will appl* a3o!e s.>8>>>=1 on the full amount.'eep a #lose e*e on *our a##ount with the monthl* a##ount statements offered free 4
"!ail of free Pass3oo, fa#ilit* at *our a##ount 3ran#h.Use the third part* #ash transa#tion fa#ilit* at non1a##ount 3ran#hes8 to ha!e *our near and dear
ones deposit = withdraw #ash upto s.>8>>>=1 per da* on *our 3ehalf for free. "3o!e s >8>>>a #harge of s :.>=1 per @>>> on the full amount would 3e appli#a3le.Use our PhoneBan,ing8 Mo3ileBan,ing and NetBan,ing fa#ilities offered free to rea#h us withease.
"!ail free SMS alerts to ,now the transa#tions in *our a##ount.ree Email Statement fa#ilit* and National Ele#troni# unds Transfer fa#ilit* a!aila3le.
" spe#iall* designed a##ount that offers twin 3enefits of a sa!ings as well as a #urrent a##ount. /our funds#ontinue to earn *ou interest while *ou eno* hassle1free 3an,ing 6 a host of other features.
"ll this and more in a Fero Balan#e a##ountG
eture3 7 ene"it35-Fero 3alan#e a##ountPa*a3le at Par #he7ue3oo, fa#ilit* reeA /ou #an now use *our P"P #he7ue3oo, at an* of 0D$ Ban,lo#ations (through $learing onl*) without an* #harge.
"!ail of ree 4utstation $he7ue $olle#tion at 0D$ Ban, lo#ations a#ross the #ountr*./ou #an also a!ail of spe#ial rates for outstation #he7ue #olle#tion at non10D$ Ban, lo#ations.Eno* unlimited DDs on 0D$ Ban, lo#ations ree.
ree Edu#ation Insuran#e #o!er of s. @8>>8>>>=1 in the e!ent of death of the parent = guardian through!ehi#ular a##ident 3* road8 rail or air to safeguard the future of *our #hild.
"TM=International De3it $ard will 3e issued for #hildren 3etween 1@J *ears of age in the #hilds name with*our permission. The amount *our #hild is a3le to withdraw is s. @8>>=1 at "TMs or spend s. @8>>>=1 atmer#hant lo#ations./our #hild need not e!en sear#h for an 0D$ Ban, "TM. 0e=she #an ma,e < #ash withdrawal transa#tionsfrom SBI="ndhra Ban, "TMs per month8 a3solutel* free.
ree Personalised #he7ue 3oo, for *our #hild.Monitor the transa#tions of *our #hilds a##ount with the free 7uarterl* ph*si#al statement of a##ount or freemonthl* Email Statement of a##ount.ree NetBan,ing for *ou to monitor *our #hilds a##ount.ree SMS=Email alerts informing *ou a3out the a##ount transa#tions.
or their 'e!ured uture4pt for standing instru#tion to transfer an* amount from *our a##ount to *our 'ids "d!antage "##ount e!er*month (Minimum !alue K s. >>=1 6 Minimum tenure K @ *ear).4n#e the 3alan#e in the 'ids "d!antage "##ount rea#hes=e%#eeds s. @>8>>>=18 the amount in e%#ess ofs. 8>>>=1 will automati#all* 3e transferred into a i%ed Deposit for @ *ear @ da*8 in *our #hilds name8 3*signing in for our sweep1out fa#ilit*./ou #an also opt for s*stemati# in!estments in mutual funds from the 'ids "d!antage "##ount in *our #hildsname.
2hats more8 all the a3o!e fa#ilities #ome a3solutel* EE
The amil* Sa!ings +roup lin,s together upto four indi!idual 0D$ Ban, a##ounts (same famil*) under asingle group. Ta,e ad!antage of the group "!erage ?uarterl* Balan#e ("?B) and operate *our indi!iduala##ounts without worr*ing a3out minimum 3alan#e
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"ll a##ount holders #an operate their a##ount freel* without worr*ing a3out their minimum 3alan#e.
amil* mem3ers with NI status #an also 3e part of the group.+et ree $ash withdrawal transa#tions on SBI "TMs per group per month.Upto : free DDs= M$s on 0D$ Ban, lo#ations per a##ount per month (ma%. up to s. :8>>>=1 perinstrument per da*).ree International De3it $ard for all a##ount holders till the a##ount is part of the amil* group. (N4 "##ountswill 3e issued onl* "TM #ards)ree BillPa* 6 Insta"lerts fa#ilit* for all a##ount holders till the a##ount is part of the amil* +roup.ree Standing Instru#tions for in!estment into Mutual unds.ree 4ne5iew to a##ess all *our a##ounts.ree Mo3ileBan,ing8 NetBan,ing 6 PhoneBan,ing.
2D
8/10/2019 Analysis of Product & Services of HDFC BANK LTD.
Eno* a Sa!ings a##ount to Sa!ings a#ount sweep1in to a nominated a##ount (sweep1in to NE a##ounts notpermitted from resident = N4 a##ounts).Pa*a3le1at1par fa#ilit* at a nominal #ost for all a##ounts in the famil* group."!aila3le onl* on re7uest at the 3ran#h.$ash deli!er* L s. >=1 per deli!er*ree Pass3oo, fa#ilit* a!aila3le at home 3ran#h for a##ount holders (indi!iduals).ree Email statements .
0D$ B"N' is one of the leading Depositor* Parti#ipant (DP) in the #ountr* with o!er J -a# demat a##ounts.
0D$ Ban, Demat ser!i#es offers *ou a se#ure and #on!enient wa* to ,eep tra#, of *our se#urities and
in!estments8 o!er a period of time8 without the hassle of handling ph*si#al do#uments that get mutilated or lostin transit.
0D$ B"N' is Depositor* parti#pant 3oth with 1National Se#urities Depositories -imited (NSD-) and $entralDepositor* Ser!i#es -imited ($DS-)
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"s opposed to the earlier form of dealing in ph*si#al #ertifi#ates with dela*s in transa#tion8 holding and tradingin Demat form has the following 3enefits A
Settlement of Se#urities traded on the e%#hanges as well as off mar,et transa#tions.Shorter settlements there3* enhan#ing li7uidit*.
Pledging of Se#urities.Ele#troni# #redit in pu3li# issue. "uto #erdit of ights = Bonus = Pu3li# Issues = Di!idend #redit through E$S. "uto $redit of Pu3li# Issue refunds to the 3an, a##ount.No stamp dut* on transfer of se#urities held in demat form.No #on#ept of Mar,et -ots.$hange of address8 Signature8 Di!idend Mandate8 registration of power of attorne*8 transmission et#. #an 3eeffe#ted a#ross #ompanies held in demat form 3* a single instru#tion to the Depositor* Parti#ipant (DP).0olding = Transa#tion details through Internet = email.
0D$ Ban, -td pro!ides #on!enient fa#ilit* #alled SPEED1e (Internet 3ased transa#tion) where3* a##ountholder #an su3mit deli!er* instru#tions ele#troni#all* through SPEED1e we3site (httpsA==speed1e.nsdl.#om).SPEED1e offers se#ured means of transa#tion pro#essing eliminating preparation of instru#tion slips andsu3mission of the same a#ross the #ounter to the depositor* parti#ipant. The IDE"S fa#ilit* helps in !iewingthe #urrent transa#tions and 3alan#es (holdings) of Demat a##ount on Internet on real time 3asis.
'+ry A!!ount
Ehen your company opts or the "#$% &ank %orporate Salary Account programme, you
get more than just a Savings Account. 6ou get a superior !anking experience plus a host ovalueadded services. And an eAge !anking account that is accessi!le 2 hours a day, B
days o the week, 52 weeks o the year. 0hrough ree 1et&anking, )o!ile&anking,Phone&anking acilities, wide network o A0)s and !ranches across the country.
6ou and your colleagues get the convenience o having your salaries credited directly, a
ree International #e!it %ard, (verdrat acility, plus ree #emand #ratsK and preerentialinterest rates on Personal *oans
Defen#e Salar* "##ount
Ehen you opt or the "#$% &ank #eence Salary Account programme, you get more than
just a Savings Account. 6ou get a superior !anking experience plus a host o valueadded
services. And an eAge !anking account that is accessi!le 2 hours a day, B days o the
week, 52 weeks o the year. 0hrough ree 1et&anking, )o!ile&anking, Phone&anking
acilities and over /<5 A0)s and 55 !ranches in 2<B cities across the country.
6ou can get the convenience o having your salaries credited directly, a ree International
#e!it %ard, ree collection o outstation che@ues, plus ree #emand #rats and preerential
In toda*s fast1pa#ed world8 *our 3usiness regularl* re7uires *ou to re#ei!e and send funds to !arious #ities inthe #ountr*. 0D$ Ban, Plus $urrent "##ount gi!es *ou the power of inter1#it* 3an,ing with a single a##ountand a##ess to more than HHH #ities.
rom spe#ial #he7ues that get treated at par with lo#al ones in an* #it* where we ha!e a 3ran#h8 faster#olle#tion of outstation #he7ues (pa*a3le at 3ran#h lo#ations)8 free a##ount to a##ount funds transfer 3etween0D$ Ban, a##ounts to ree inter1#it* #learing of up to @>> la,hs per month8 our priorit* ser!i#es ha!e3e#ome the 3en#hmar, for 3an,ing effi#ien#*.
Plus $urrent "##ount re7uires *ou to maintain an a!erage 7uarterl* 3alan#e of s. @>>8>>>.
eture3 7 ene"it35-ree "##ount to a##ount funds transfer 3etween 0D$ Ban, a##ountsree pa*ment and #olle#tion through *T&'.ree pa*ment and #olle#tion using NET (through Net3an,ing)ree up to > De(nd Dr"t3 per month and #an 3e issued from an* 0D$ Ban, Bran#hree up to > .y rder3 9.4 per month and #an 3e issued from an* 0D$ Ban, Bran#h.ree an*where #olle#tion 6 pa*ment transa#tions (#learing) within 0D$ Ban, 3ran#h networ, (e%#ept Dahe)8up to s.@>> la#s per month.$on!enien#e to 8ithdr8 7 depo3it #ash at all our 3ran#hes
<>> "t Par #he7ue lea!es free per month.egister for In3tA+ert ser!i#e and re#ei!e updates on *our a##ount as and when the sele#t transa#tionhappens 1 all this without !isiting the 3ran#h or "TMG0D$ Ban, offers *ou Doorstep Ban,ing8 a #hannel8 whi#h is #on!enient8 se#ure and hassle1free. Now8 *ou#an eno* the 3enefits of 3an,ing right at *our doorstep. The Ban, will arrange to render the ser!i#es li,e $ash6 $he7ue Pi#,up and $ash Deli!er*8 through a reputed agen#*.Eno* fa#ilities li,e :H1hour Phone Ban,ing8 Net Ban,ing and Mo3ile Ban,ing that helps *ou #he#, *our3alan#e 6 transa#tion details8 find out the status of *our #he7ue or stop #he7ue pa*ment.
" $urrent a##ount is ideal for #arr*ing out da*1to1da* 3usiness transa#tions. 2ith the 0D$ Ban, egular$urrent "##ount8 *ou #an a##ess *our a##ount an*time8 an*where8 pa* using pa*a3le at par #he7ues ordeposit #he7ue at an* 0D$ 3an, 3ran#h. It also fa#ilitates EE NET transa#tions 6 EE T+S
#olle#tions for faster #olle#tions in *our a##ount. egular $urrent "##ount re7uires *ou to maintain an a!erage7uarterl* 3alan#e of onl* s. @>8>>>.
2ith a !ast networ, of 3ran#hes in #ities all o!er the #ountr*8 and a##ess to a multitude of "TMs8 *ou #an,eep tra#, of all *our transa#tions an*time
eture3 7 ene"it35-Convenient inter-!ity bning ADeposit *our lo#al #he7ues in one 3ran#h of a #it* and ha!e it #redited to *our a##ount at a 3ran#h in another#it* or ma,e pa*ments a#ross 0D$ Ban, lo#ations using P"P #he7ue fa#ilit* t no(in+ rte ree pa*ments and #olle#tions through NETree *T&' #olle#tion. T+S pa*ment L s.@>>=1 per transa#tionInter1#it* "##ount to a##ounts funds transfer 3etween HDC n !!ount3 at a nominal #harge of s.@=1
per transa#tionsree De(nd Dr"t3 9DD4 a3o!e s.@>>8>>>=1. Demand drafts up to s.>8>>>=1 at flat #ost of s.H>=1. DDsa3o!e s.>8>>>=1 6 up to s.@>>8>>>=1 at nominal #ost of s.:=1 .ree .y rder 9.4 a3o!e s.@>>8>>>=1. Pa* 4rder up to s.>8>>>=1 at flat #ost of s.H>=1. P4s a3o!es.>8>>>=1 6 up to s.@>>8>>>=1 at nominal #ost of s.:=1 .Pa*a3le at par #he7ue 3oo, at nominal pri#e.egister for In3tA+ert ser!i#e and re#ei!e updates on *our a##ount as and when the sele#t transa#tionhappens 1 all this without !isiting the 3ran#h or "TMG0D$ Ban, offers *ou Doorstep Ban,ing8 a #hannel8 whi#h is #on!enient8 se#ure and hassle1free. Now8 *ou#an eno* the 3enefits of 3an,ing right at *our doorstep. The Ban, will arrange to render the ser!i#es li,e $ash6 $he7ue Pi#,up and $ash Deli!er*8 through a reputed agen#*.Eno* fa#ilities li,e :H1hour PhoneBan,ing8 NetBan,ing and Mo3ileBan,ing that helps *ou #he#, *our 3alan#e6 transa#tion details8 find out the status of *our #he7ue or stop #he7ue pa*ment.
Presenting ma%imum 3enefits and minimum hassles for *ou with Ma% $urrent "##ountG 2ith a s. la,hsa!erage 7uarterl* 3alan#e re7uirement8 we present to *ou a world of pri!ileges that helps *our 3usinesse%pand and grow. eatures li,e ma%imum free transa#tion limits in#luding other 3enefi#ial features on this#urrent a##ount trul* enhan#es *our 3usiness potential to the M"imum
eture3 7 ene"it35-
Ma%imum transa#tional 3enefits with faster mo3ilisation of funds "!erage 7uarterl* 3alan#e re7uirement of s. 8>>8>>>=1 "##ess to more than > 3ran#hes0uge #ost sa!ings in inter1#it* transa#tions for pa*a3le1at1par #he7ue issuan#e8 funds transfers8 NET8 T+S
or Demand Draft = Pa* 4rderaster #olle#tion of outstation #he7uesree "##ount to "##ount funds transfer 3etween 0D$ Ban, a##ountsree pa*ment and #olle#tion through T+Sree pa*ment and #olle#tion using NET (through NetBan,ing)ree Demand Drafts whi#h #an 3e issued from an* 0D$ Ban, 3ran#hree Pa* 4rders whi#h #an 3e issued from an* 0D$ Ban, 3ran#hFree an9":ere collection ; pa9ment <clearing= upto Rs- . Crore per mont: within 0D$ Ban, 3ran#h networ,(e%#ept Dahe)$on!enien#e to withdraw and deposit #ash at all our 3ran#hesFree cas: >eposit upto Rs- ./ (ak: per mont: a#ross all home 3ran#hes (su3e#t to a ma%imum of >transa#tions per month and a per da* limit of s.@8>>8>>>=1 on #ash deposit at a non home 3ran#h)$hoi#e of lo#al = Pa*a3le at Par #he7ues. >> lea!es free per monthegister for Insta"lert ser!i#e and re#ei!e updates on *our a##ount as and when the sele#t transa#tionhappens 1 all this without !isiting the 3ran#h or "TMG
0D$ Ban, offers *ou Doorstep Ban,ing8 a #hannel8 whi#h is #on!enient8 se#ure and hassle1free. Now8 *ou#an eno* the 3enefits of 3an,ing right at *our doorstep. The Ban, will arrange to render the ser!i#es li,e $ash6 $he7ue Pi#,up and $ash Deli!er*8 through a reputed agen#*.Eno* fa#ilities li,e :H1hour PhoneBan,ing8 NetBan,ing and Mo3ileBan,ing that helps *ou #he#, *our 3alan#eand transa#tion details8 find out the status of *our #he7ue or stop #he7ue pa*ment.
Premium %urrent Account
6our !usiness needs a partner who can manage your inances while you concentrate on
growing your !usiness. )aking your unds easily accessi!le wherever your !usiness
expands.
Intro>ucing t:e HFC Bank Premium Current Account
A %urrent Account with the !eneits o accessing your account rom a large network o
''
8/10/2019 Analysis of Product & Services of HDFC BANK LTD.
6es it9s true. 1ow you can actually have a com!ination o@ a Fi?e> eposit an> a Saings
or Current Account- Eith the Super Saver Account rom "#$% &ank. 6ou can enjoy an
overdrat acility o up to B5? o your $ixed #eposit unds without !reaking the $ixed
#eposit or losing interest on it.
Ehat9s more, this account has high interest o a $ixed #eposit and the li@uidity o a
Savings or %urrent Account as well. 0his along with a host o other !eneits is availa!le to
you with our Super Saver Account.
1ow make the most o having a $ixed #eposit Account linked to a 4ero !alance Savings
Account%urrent Account. 0he SweepIn acility gives you the high interest rates o a
$ixed
#eposit and the li@uidity o a Savings Account%urrent Account.
So when you need unds urgently it is transerred rom your $ixed #eposit to your account
automatically. 0his also lessens the possi!ility o a che@ue !eing returned due to
insuicient unds. 0he SweepIn Account gives you this and a host o other !eneits.
Do *ou wish to a!oid ta,ing o!erdrafts8 and still ta,e ad!antage of *our i%ed Deposits9 Then what *ou needis a Sweep1In a#ilit* on *our sa!ings a##ount.-in, *our i%ed Deposit to *our Sa!ings or $urrent "##ount and use it to fall 3a#, on in #ase of emergen#ies.
" defi#it in *our Sa!ings or $urrent "##ount is ta,en #are of 3* using up an e%a#t !alue from *our i%edDeposit. Sin#e deposits are 3ro,en down in units of e @=18 *ou will lose interest onl* for the a#tual amountthat has 3een withdrawn.
eture3 7 ene"it35-
$hoose 3etween a Sa!ings "##ount or $urrent "##ount to lin, to *our i%ed Deposit.Earn higher interest on the mone* till it is swept1in8 while the remaining i%ed Deposit #ontinues to earn *ouinterest.4nl* an e%a#t amount re7uired to ma,e up for the defi#it in the Sa!ings a##ount is withdrawn from *our i%edDeposit (units of e. @=1) there3* minimising interest loss.Multiple deposits #an 3e lin,ed to the Sa!ings a##ount.le%i3ilit* in altering the period of deposit8 maturit* and pa*ment instru#tions8 prin#ipal amount and rollo!ermode./ou #an a!ail of 3oth8 a SuperSa!er a#ilit* as well as a Sweep1In a#ilit* if *ou ha!e lin,ed *our deposits to aSa!ings a#ilit*.Senior #iti&ens eno* a higher rate of interest on their i%ed Deposits.
"!ail an International De3it #ard and a ree #he7ue 3oo, on *our Sweep1in Sa!ings a##ount.
If *ou 3elie!e in long1term in!estments and wish to earn higher interests on *our sa!ings8 N42 is the time toin!est *our mone* in our i%ed Deposit. +et upto @>.>C on 0D$ Ban, i%ed Deposit with an additional>.>C for Senior $iti&ens. 2hats more N4 PEN"-T/ if *ou withdraw part of the D in times of need.le%i3ilit*8 Se#urit* and 0igh eturns all 3undled into one offering.$he#, out the rates and 3oo, an D T4D"/GG NetBan,ing Users #an login and 3oo, their i%ed Depositonline immediatel*.
Potential to earn #ompound interest 3* rein!esting the prin#ipal amount along with the interest earned duringthe period.No penalt* for premature withdrawal.le%i3ilit* in altering period of deposit8 maturit* and pa*ment instru#tions8 prin#ipal amount and rollo!er mode3efore maturit* of the rollo!er deposit.
0igher rate of interest on i%ed Deposits for Senior $iti&ens.
"#$% &A1 *(A1SF
(oans @or eer9 nee> 1ow, our loans come to you in easytopay monthly instalments, and are availa!le with
epa* with eas* EMIs.4ne of the lowest interest rates.H33+e "ree +on3 1 No guarantor=se#urit*=#ollateral re7uired.Speed* loan appro!al.$on!enien#e of ser!i#e at *our doorstep.Cu3to(er privi+ege3
If *ou are an 0D$ Ban, !!ount ho+der 8 we ha!e spe#ial rates for *ou.
If *ou are an e%isting Auto Lon !u3to(er with a #lear repa*ment of @: months or more from an* of
our appro!ed finan#iers or us8 *ou #an get a h33+e "ree per3on+ +on 98ithout in!o(edo!u(enttion4.
If *ou are an e%isting 0D$ Ban, .er3on+ Lon !u3to(er with a #lear repa*ment of @: months or
more8 we #an Top-Up your per3on+ +on.
.er3on+ A!!ident Cover In order to ensure that *our famil* is ta,en #are of we also offer a Personal "##ident #o!er of s.:8>>8>>> at anominal premium.
3tr! your +on 8ith our ttr!tive !r +on p+n3Auto Lon Teover .+nIf *ou are a salaried indi!idual holding an* of the #redit #ards mentioned 3elow8 *our loan gets pro#essedfaster.
*e=uire(ent35-
a#ilit* is a!aila3le to onl* 0D$ 3an, a##ount holders ($"S").
"ll terms and #onditions appli#a3le for the used #ar produ#t are appli#a3le for the -oan ta,e o!er
produ#t. Minimum month old loan with an* appro!ed inan#ier with #lear repa*ment tra#, re#ord
Advntge p+tinu( Credit Crd .+nIf *ou are a salaried indi!idual holding an* of the #redit #ards mentioned 3elow8 *our loan gets pro#essedfaster.
*e=uire(ent35
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8/10/2019 Analysis of Product & Services of HDFC BANK LTD.
/ou need to su3mit the last two 3illing statements.
Small #ars8 normal funding up to three *ears.
unding on premium #ars restri#ted to >C under this plan.
The plan does not in#lude multi1utilit* !ehi#les.
$ontra#t #op* and salar* slip of NI.Endorsement on passport for last < *ears.Proof of ownership of propert*.Post1dated #he7ues must 3e from the resident a##ount of the 3orrower.
No In!o(e-Do!u(ent Lon .+nNow8 *ou #an get a #ar loan without proof of in#ome.
Under this s#heme8 *ou get the loan amount up to ;>C of the #ar in!oi#e !alue.The tenure of loan #an 3e a ma%imum of < *ears.
100> Lon .+n 8ith i6ed Depo3it LienThis allows *ou to ta,e a loan against *our deposit at 0D$ Ban,.
100 CC:1?0 CC:r (ybe <00 CC:
2hi#he!er the 3i,e8 our T8o Whee+er +on is the answer. 2ith 7ui#, appro!als8 fle%i3le pa*ment options andeas* repa*ment 1 well help *ou 3u* the 3i,e *ou desire.
eture3 7 ene"it35-
le%i3le repa*ment options8 ranging from @: to HJ months a!aila3le e!en at the point of pur#hase.epa* through post1dated #he7ues with eas* EMIs. $al#ulate *our EMI.H33+e "ree +on3 1 No guarantor re7uired.Speed* loan appro!al.
"!aila3le for almost all models at ttr!tive intere3t rte3.ree gifts from time to time on appro!al of *our Two 2heeler -oan. (2at#h this spa#e for more details on thefree gift promotion).'pe!i+ '!he(e3 to 3uit your need3
O 3tTr! 1 If a spot appro!al is what *ou need8 this highl* fle%i3le s#heme gets *ou a loan of up to >C withminimum interest rates.
O E3yLon 1 This great s#heme gets *ou a loan of upto up to JC with minimal do#umentation. "ll *ou needas a Surrogate In#ome proof isA- " #op* of #redit #ard and #redit #ard 3illing statement for the last : months * - " repa*ment tra#, re#ord * - -ast < months 3an, statements.
A t8o-bed prt(ent:The 3e-"!ing penthou3e:r )u3t the right pie!e o" +nd to bui+d your dre( hou3e:0D$ Ban, 3rings8 0D$ home loans to *our doorstep. 4!er < de#ades of e%#lusi!e e%perien#e8 a dedi#atedteam of e%perts and a #omplete pa#,age to meet all *our housing finan#e needs8 0D$ 0ome -oans8 help*ou reali&e *our dream.
eture3 7 ene"it35-
Home (oan 1 0ome loans for indi!iduals to pur#hase (fresh = resale) or #onstru#t houses. "ppli#ation #an 3emade indi!iduall* or ointl*. 0D$ finan#es up to JC ma%imum of the #ost of the propert* ("greement !alue Stamp dut* egistration #harges) 3ased on the repa*ment #apa#it* of the #ustomer.
Home Improement (oan 1 0I- fa#ilitates internal and e%ternal repairs and other stru#tural impro!ements li,epainting8 waterproofing8 plum3ing and ele#tri# wor,s8 tiling and flooring8 grills and aluminium windows. 0D$finan#es up to JC of the #ost of reno!ation (@>>C for e%isting #ustomers) su3e#t to mar,et !alue of thepropert*..Home E?tension (oan 1 0E- fa#ilitates the e%tension of an e%isting dwelling unit. "ll the terms are the same asappli#a3le to 0ome -oan.(an> Purc:ase (oan 1 Be it land for a dream house8 or ust an in!estment for the future8 0D$ -and Pur#hase-oan is a #on!enient loan fa#ilit* to pur#hase land. 0D$ finan#es up to JC of the #ost of the land($onditions "ppl*). epa*ment of the loan #an 3e done o!er a ma%imum period of @ *ears.C:oose @rom Fi?e> Rate or Floating Rate with options to stru#ture *our loan as Partl* i%ed or Partl* loating.
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8/10/2019 Analysis of Product & Services of HDFC BANK LTD.
Fle?i!le repa9ment options to suit *our indi!idual needs.(oan coer Term Assurance Plan 1 0D$ Standard -ife Insuran#e $ompan* -td. offers an insuran#e plan8whi#h is designed to ensure that lifes un#ertainties do not affe#t *our famil*s interests and *our pre#ioushome. -$T"P pro!ides a lump1sum pa*ment on the unfortunate demise of the life assured.
This pure ris, plan is designed in a wa* that the #o!er de#reases as *ou repa* *our home loan ma,ing it a low#ost premium insuran#e plan.
Insuran#e is the su3e#t matter of soli#itation.Automate> Repa9ment o@ Home loan EMI 1 /ou #an gi!e us standing instru#tions to repa* *our 0ome -oanEMIs dire#tl* from *our 0D$ Ban, Sa!ings "##ount8 thus8 sa!ing *ou the trou3le of pro#uring8 signing andtra#,ing post1dated #he7ues.0D$ also offers In1:ouse scrutin9 o@ Propert9 >ocuments for *our #omplete pea#e of mind.
eture3 7 ene"it35-
-oans upto s.@ -a,hs for Edu#ation in India and upto s.:> -a,hs for Edu#ation a3roadQ "ttra#ti!e interest rates.epa*ment to start @ *ear after #ourse #ompletion = ; months after o3taining emplo*ment (whi#he!er isearlier)-oan a!aila3le upto tenure of *ears in#luding moratorium period.Ta% Benefits a!ailai3le under Se#tion J>E of the IT "#t 0assle free loans and speed* appro!als.$on!enien#e of ser!i#e at *our doorstep.-oans a!aila3le for other #ourse related e%penses alsoG
-oans dis3ursed dire#tl* to the edu#ational institution.-oan to 3e released as per fee s#hedules of institutes.
E%#lusi!e Telegraphi# Transfer fa#ilit* a!ailai3le for #ourses a3road.-oans a!aila3le for short duration= o3 oriented #ourses also.
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8/10/2019 Analysis of Product & Services of HDFC BANK LTD.
The 3est features *ou #ould as, for in a #redit #ard.
$om3ined with all the ser!i#es offered 3* a world1#lass 3an,.+et all with the 0D$ Ban, International Sil!er $redit $ards.
Spending mone* was ne!er so rewardingG
eture3 7 ene"it35-
A++-purpo3e !redit !rd The 0D$ Ban, Sil!er $redit $ard #an 3e used for all *our re7uirements8 3e it shopping8 eating out8holida*ing8 fuelling up *our !ehi#le8 railwa* ti#,et reser!ations 1 ust a3out an* finan#ial re7uirement8 plannedor on impulse.Ern 8hi+e you 3pend 2ith us8 mone* spent is mone* earned. or e!er* s. @> *ou spend8 *ou earn @ reward points. /ou #anredeem these a##umulated points for e%#iting gifts and offers from our e%#lusi!e rewards program.Add on !rd3 +et up to < add1on #ards for *our spouse8 parents8 si3lings (own 3rother=sister)8 son and=or daughter (o!er @J*ears) and allow them to eno* the man* 3enefits of the 0D$ Ban, International Sil!er $redit $ardero +ibi+ity on +o3t !rd In #ase *our #redit #ard gets lost8 report it immediatel* to our :H1hour #all #entre. "fter *ou do this8 *ou #arr*&ero lia3ilit* on an* fraudulent transa#tions on *our #ard.Wide+y !!epted
"##epted at o!er @@>8>>> mer#hant esta3lishments a#ross India and Nepal and #lose to @J million mer#hantesta3lishments around the world.
It;3 po8er p!ed 8ith ho3t o" un(t!hed "eture3 tht provide3 your "(i+y 8ith true @+ue nd3ving3$No 8onder 8e !++ it the Value Plus Credit Crd$
-i,e the name suggests8 the 5alue Plus $redit $ard 3rings *ou added !alue unli,e an* other #ard. It is a+uaranteed $ash Ba#, #ard whi#h ena3les *ou to earn up to C $ash Ba#, on *our spends.
eture3 7 ene"it35-
@+ue .+u3 C3hb!- Anyti(e Any8here Use *our 5alue Plus $redit $ard an*where an*time during the *ear and a!ail up to C #ash3a#, on all retailspends.
The #ash3a#, will 3e #redited to *our #ard a##ount in su3se7uent statement su3e#t to the #ondition that the total amountdue in the #urrent statement is s >> or a3o!e. The #hange is effe#ti!e from @st sep :>>.
Please #li#, here for detailed terms and #onditions. Wor+d8ide !!eptn!e The 0D$ Ban, International 5alue Plus $redit $ard is a##epted at o!er :< million Mer#hant Esta3lishments
around the world8 in#luding @@>8>>> Mer#hant Esta3lishments in India.C3h Advn!e Rust step into an* one of our "TMs or 5IS" Mem3er "TMs and withdraw #ash up to <>C of *our #redit limitat a !er* nominal #harge (Please refer to the S#hedule of #harges).*evo+ving !redit "!i+ity This feature allows *ou to pa* a minimum amount8 whi#h is C (su3e#t to a minimum amount of s.:>>) of*our total 3ill amount or an* higher amount whi#he!er is #on!enient for *ou. /ou #an then #arr* forward the3alan#e to a 3etter finan#ial month8 for whi#h *ou pa* a #harge of <.:C per month.Intere3t ree Credit .eriod/our $ard now gets an Interest ree $redit Period of up to > da*s from the date of pur#hase (su3e#t to thesu3mission of the #harge 3* the Mer#hant). Su3se7uentl*8 if *ou #arr* forward *our outstanding 3alan#e *ou
ust pa* a nominal interest of <.:C per month.+n!e Trn3"er ption If *ou ha!e an* other #redit #ard and wish to transfer their 3alan#es to *our 0D$ Ban, International 5aluePlus $ard8 those 3alan#es will attra#t a nominal #harge for a period of si% months from the transfer date. Theoutstanding amount transferred #an 3e up to >C of *our 0D$ Ban, International 5alue Plus $ard $redit-imit.
+et a whopping C #ash 3a#, on all gro#er*= supermar,et= Medi#al store pur#hases on *our womans gold#ard if *our statement 3alan#e for that month is a3o!e s :>>>>..Attractie re"ar>s programme +et : reward points for e!er* s.@> spent and redeem them against airmiles a#ross leading airlinesi>e c:oice o@ re>emption
M*ewards gi!es *ou an arra* of redemption opportunities for *our Points 1 rom mi#rowa!es to refrigerators8from Bar3ie dolls to latest ashion la3els8 we ta,e pride in gi!ing *ou one of the widest options for gettingrewardedG /ou #an also redeem *our a##umulated reward points for air miles on leading airlines li,e Ret
Pa* a minimum amount8 whi#h is C (su3e#t to a minimum amount of s.:>>) of *our total 3ill amount or an*higher amount whi#he!er is #on!enient and #arr* forward the 3alan#e to a 3etter finan#ial month. or thisfa#ilit* *ou pa* a nominal #harge of ust <.:C per month (<C annuall*).(ost car> lia!ilit9
In #ase *ou lose *our #ard8 intimate us immediatel*. If an* fraudulent transa#tions happen after *ou ha!eintimated us8 *ou are full* a3sol!ed of an* lia3ilit* on those transa#tions up to s. :.>> la#s.Interest @ree cre>it @acilit9
"!ail of up to > da*s of interest free period from the date of pur#hase (su3e#t to the su3mission of the #harge3* the Mer#hant).orl>"i>e acceptance
"##epted at o!er :< million mer#hant esta3lishments around the world8 in#luding @@>8>>> mer#hantesta3lishments in India.
E1Se!a $redit $ardA1
T:e Hig:lig:ts
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8/10/2019 Analysis of Product & Services of HDFC BANK LTD.
0hese !onds are issued !y the Reserve &ank o India 7R&I8 on the !ehal o the >ovt. o
India 7>(I8. >(I &onds are availa!le in one coupon rates
• =? Savings &onds 2<<' 0hese !onds carry an interest o =? which is taxa!le. An
investor can receive interest either on a halyearly !asis or on maturity. 0here is no
limit on the investment amount in these !onds. 0he maturity period o the = ?
Savings !ond 7taxa!le8 is six years.
"t 0D$ Ban,8 we understand the !alue of *our time and the opportunities it holds for *ou. /our personalfinan#ial in!estment needs might get o!erloo,ed8 while *ou attend to *our 3usiness and professional needs. Inline with this8 we are pleased to offer to *ou a #ustomised Inve3t(ent Advi3ory 'ervi!e for *our e%istingportfolios and regular in!esta3le surpluses.
The ser!i#e offers resear#h 3ased ad!i#e to optimise returns on *our in!estment portfolio a#ross a range offinan#ial instruments8 ,eeping in line with *our profile and in!estment o3e#ti!es. /our e%isting portfolio isanal*sed to ad!i#e *ou on re3alan#ing to o3tain an optimum asset mi%. 0ere8 a dedi#ated ad!isor regularl*guides *ou through the e!olution of new mar,et opportunities8 to e!aluate and restru#ture *our e%istingin!estment portfolio.
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8/10/2019 Analysis of Product & Services of HDFC BANK LTD.
eture3 7 ene"it35 Dail* -imitsA s. @>>> at "TMs for 2ithdrawal and s. :>>> at mer#hant esta3lishments for shopping
"##ess *our 3an, a##ount at o!er J8>>8>>> 5isa=Maestro=$irrus "TMs in India and a3road.> C petrol sur#harge at sele#t BP$- Petrol pumpsA "s a De3it $ard holder8 an* sur#harge le!ied on *our $ardat sele#t BP$- petrol pumps would 3e re!ersed in the su3se7uent month. $li#, here for more details.Shop at more than <8>8>>> outlets in India and @< million worldwide. The amount is de3ited dire#tl* to *oura##ount.Use *our #ard o!erseas. /our a##ount is de3ited in upees regardless of the #urren#* in whi#h *ou spend.Fero -ia3ilit* on fraudulent Point 4f Sale usage on lost or stolen #ards. $li#, here for more details.Now get an "lert on *our mo3ile phone or email for e!er* pur#hase transa#tion done using *our De3it $ard at amer#hant outlet GG "ll *ou need to do is register for Insta "lertsG2orldwide assistan#e from 5isa and Master$ard on *our #ard.
Di+y Li(it3A s. >8>>> at "TMs for 2ithdrawal and s. >8>>> at mer#hant esta3lishments for shopping.C3h !A or e!er* s. @>> that *ou will spend8 *ou will re#ei!e e. @ as #ash 3a#,. This #ash 3a#, is !alidon all pur#hases made through the #ard8 at all times of the *earGGG0 > petro+ 3ur!hrge t .etro+ pu(p3A "s a +old $ard holder8 an* petrol sur#harge le!ied on *our $ard atan* petrol pump in India will 3e re!ersed in the su3se7uent month.ero Libi+ity on "rudu+ent .oint o" 3+e u3ge on +o3t or 3to+en !rd3A If its not *our pur#hase *ou dontha!e to pa* for itGG /our De3it $ard is safer than e!erG
In #ase *ou lose *our De3it $ard8 #all us on our phone3an,ing num3ers or !isit the nearest 0D$ Ban,3ran#h. $li#, here for more details..' A+ert3A Now get an "lert on *our mo3ile phone or email for e!er* pur#hase transa#tion done using *ourDe3it $ard at a mer#hant outlet GG "ll *ou need to do is register for Insta "lertsGIn3urn!e !over A The following are in#luded in the insuran#e #o!ersA
Death $o!er 3* "ir = oad 1 Sum assured s. 8>>8>>>
ire 6 Burglar* for the items pur#hased under De3it $ard (upto ; months) 1 Sum assured s. >8>>>
-oss of Baggage Insuran#e 1 Sum assured s. :>8>>>
E6!+u3ive o""er3 t pre(iu( out+et3A Spe#ial 4ffers for our Eas*Shop +old De3it $ard #ustomers inasso#iation with 5isa and Master$ard will 3e pro!ided form time to time.
Cas: Back o@ Re- $ @or eer9 Rs- '// spent+ or e!er* s. :>> that *ou will spend 8 *ou will re#ei!e e. @ as#ash 3a#, .This #ash 3a#, is !alid on all pur#hases made through the #ard8 at all times of the *earGGGSpecialise> Serices+ " uni7ue ser!i#e num3er will 3e a!aila3le for 2omans De3it $ard #ustomers to a!ailinformation = 3oo,ing for the ser!i#es listed ahead. Rust #all8 7uote *our #ard num3er and use an* of theser!i#es. These ser!i#es are su3e#t to a!aila3ilit* and rendered on a 3est effort 3asis.Entertainment assistance +
O Dining eferral and eser!ation "ssistan#eO lower 6 +ift Deli!er*O Mo!ie Ti#,etsHome assistance+
O inan#ial Planning 6 "d!isor* Ser!i#es "ssistan#eO Ele#tri#al 6 Ele#troni# +adget epair "ssistan#eO Pest $ontrol "ssistan#eO 0ome $leaning "ssistan#eellness +
O Medi#al $he#, Up Pa#,agesO Nursing $are "rrangement./ >iscount on locker @ee+ /ou will 3e entitled to a >C dis#ount on lo#,er fee for the @st *ear. This wai!erwould 3e appli#a3le for onl* one lo#,er per #ard. In order to a!ail of the dis#ount8 please show *our2omans "d!antage De3it $ard at the 3ran#h.Special >iscount on purc:ase o@ )ol> Bars+ Preferential pri#ing will 3e gi!en to *ou on pur#hase of +old Bars.In order to a!ail of the spe#ial dis#ount8 pleas show *our 2omans "d!antage De3it $ard at the 3ran#h.
Insurance coer+ /ou will 3e entitled to Personal "##ident insuran#e #o!er of : la#s.7ero (ia!ilit9+ /ou will not ha!e an* lia3ilit* to an* fraudulent Point of Sale transa#tions on the de3it #ard8whi#h ta,e pla#e upto <> da*s prior to reporting the #ard loss.$li#, here for more details.Free BillPa9+ /ou will not 3e #harged for Bill Pa* Ser!i#e8 normall* #hargea3le at s. @>> p.a.ail9 (imits+ s. :>8>>> at "TMs for 2ithdrawal and s. <>8>>> at mer#hant esta3lis
@+ue Added 'ervi!e3
oreign E%#hange (4E) a#ilitiesA1
Are you planning to 0ravel a!road on &usinessM (r just taking an (verseas "olidayM or
No8 you !n get regu+r updte3 on your bn !!ount on your (obi+e phone or e(i+ ID$
Rust register for our Insta"lert ser!i#e and re#ei!e updates on *our a##ount as and when the sele#ttransa#tion happens 1 all this without !isiting the 3ran#h or "TM
ou !n regi3ter "or ny or ++ o" the "o++o8ing +ert35-
De3it transa#tions greater than s. 8>>>= s.@>8 >>>= s. :>8>>>=s. >8>>>$redit in a##ount greater than s. 8>>>= s.@>8 >>>= s. :>8>>>=s. >8>>>
"##ount Balan#e 3elow s. 8>>>= s.@>8 >>>= s. :>8>>>=s. >8>>>12ee,l* a##ount 3alan#eSalar* $reditsUtilit* 3ill pa*ment due "lert
=<
8/10/2019 Analysis of Product & Services of HDFC BANK LTD.
NetBan,ing is 0D$ Ban,s Internet Ban,ing ser!i#e. Pro!iding up1to1the1se#ond a##ount information8NetBan,ing lets *ou manage *our a##ount from the #omfort of *our mouse 1 an*time8 an*where.
Intro>ucing a simpler "a9 to register @or NetBanking
Sa* good3*e to long 7ueues and paper wor,. Presenting one more reason to register for NetBan,ing. /ou #an
now #all the PhoneBan,ing num3ers in *our #it* to register for NetBan,ing.
eture3 7 ene"it35-
5iew "##ount Balan#es 6 StatementsTransfer unds 3etween a##ounts$reate i%ed Deposits 4nlinee7uest a Demand DraftPa* Bills4rder a $he7ue Boo,e7uest Stop Pa*ment on a $he7ue
eture3 7 ene"it35-Che! your !!ount b+n!e - +et up1to1the1se#ond details of *our Sa!ings or $urrent "##ounts and *ouri%ed Deposits. /ou #an also get the details of the last transa#tions on *our a##ount8 or ha!e a ministatement of last transa#tions fa%ed a#ross to *ou.En=uire on the !he=ue 3ttu3 - /ou #an use PhoneBan,ing to #he#, on the status of #he7ues issued ordeposited from an*where in India.rder Che=ue oo G A!!ount 'tte(ent - Rust #all PhoneBan,ing and get *our $he7ue Boo, or latest
"##ount Statement deli!ered at *our doorstep.'top .y(ent - Stop pa*ment of a single #he7ue or a series of #he7ues8 :H hours a da*.Lon *e+ted =uerie3 - +et details of the outstanding loan amount8 en7uire a3out *our loan a##ount8 re7uestfor an interest #ertifi#ate and repa*ment s#hedule8 et#. Rust #all PhoneBan,ing in *our #it* and dial H to spea,to our PhoneBan,er pen i6ed depo3it or En=uire on your i6ed depo3it3 G TD'B - Tal, to our PhoneBan,er to easil* opena i%ed Deposit o!er the phone8 3* simpl* authorising a transfer of funds from *our Sa!ings "##ount.Trn3"er und3 bet8een !!ount3B - /ou #an also transfer mone* from one of *our a##ounts to another.Both a##ounts must 3e lin,ed to *our $ustomer ID. /ou #an transfer amounts upto s @ -a# in a single da*..y your bi++3 - .y your !e++u+r, te+ephone, e+e!tri!ity nd HDC n Credit Crd bi++3 through.honening u3ing i++.y, !o(prehen3ive bi++ py(ent3 3o+ution$ 'now more a3out BillPa*.*eport +o33 o" your AT# G Debit Crd G ore6.+u3 Crd - I" your AT# G Debit G ore6.+u3 Crd i3 +o3t, !++ny .honening nu(ber to de!tivte your !rd934$Lern bout ++ our other produ!t3 - &et deti+3 on HDC n produ!t3 7 3ervi!e3 by t+ing to our.hone ner$
En=uire bout +te3t Intere3t G E6!hnge rte3 - &et +te3t Intere3t rte3 on Depo3it3 nd oreignE6!hnge rte3 by t+ing to our .hone ner$*e=ue3t De(nd Dr"t G #nger;3 Che=ue BB - C++ .honening nd get De(nd Dr"t G#nger;3 Che=ue de+ivered to your door3tep$De(t *e+ted uerie3 - &et the A!!ount ho+ding deti+3, Trn3!tion deti+3, I'IN Nu(ber o" 3!rip,'ttu3 o" Depo3itory '+ip3, deti+3 o" C+ient #3ter +i3t 9Dividend !!ount, Chrge3 Debit !!ount, .ANet!$4 7 other3$C++ .honening in your !ity 7 di+ < to
Now8 *ou ha!e the lu%ur* of pa*ing *our telephone8 ele#tri#it* and mo3ile phone 3ills at *our #on!enien#e
through the Internet8 "TMs8 *our mo3ile phone or telephone 1 using BillPa*8 a #omprehensi!e 3ill pa*ments
solution.2hats more *ou #an #he#, the 3ill amount 3efore *ou ma,e an* pa*ments ensuring *ou alwa*s pa*
the right amount. BillPa* has made all *our 3ill pa*ments eas*.
%ey ene"it35-
Conenience at its !est 1 No 7ueuing up at #olle#tion #entres or writing #he7ues an* moreGA ariet9 o@ pa9ment mo>es aaila!le 1 "TMs8 NetBan,ing8 Mo3ileBan,ing and PhoneBan,ing
Pa*ments #an 3e made right up to the due date.$he#, *our 3ill amount 3efore *ou ma,e an* pa*ments 1 ensuring *ou pa* the e%a#t amount *ou wish to.
or Mer#hants8 the world o!er8 a##epting pa*ments through #ards 3oth de3it and #redit8 is an eas* and #ost
effe#ti!e wa* to enhan#e 3usiness8 in#rease re!enue8 and impro!e effi#ien#*.
"s an a#7uirer8 0D$ Ban, ma,es a##epting #redit and de3it #ards eas*. 4ur !alued mer#hant
esta3lishments #an now a##ept all #redit and de3it #ards issued under the 5isa8 5isa Ele#tron8 Master$ard
and Maestro 3rands. 4ur ser!i#e is 3a#,ed 3* superior te#hnolog* infrastru#ture and personalised support
from a designated relationship offi#er.
2e offer #ard a##eptan#e solutions 3oth on ED$ ma#hine and on the Internet through our Pa*ment +atewa*
produ#t.
%ey ene"it35-
edu#e transa#tion time0a!e freedom of a##epting e%a#t amounts1 e.g. an amount of @:.; #an 3e easil* a##epted on #ard 3ut is7uite in#on!enient to a##ept in #ash.edu#e manual errors in #ash #ounting and #olle#tion.In#rease #ustomer retention 3* offering #ustomers standing instru#tions pa*ment options on their #ards to
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8/10/2019 Analysis of Product & Services of HDFC BANK LTD.
ma,e re#urring pa*ments. $ustomers do not need to #ome to *our 3illing #enter e!er* month for ma,ingre#urring pa*ments4ptions of a##epting pa*ments on regular ED$ (Ele#troni# Data $apture) Terminals8 through *our E$(Ele#troni# $ash egisters) or through the we3site.
NetSafe8 is a uni7ue online pa*ment solution that offers *ou #omplete se#urit* while shopping on the Internet.
2ith NetSafe8 *ou #an now shop online through a !irtual #redit #ard8 "it:out reealing 9our actual HFC Bank
Cre>it Car> num!er. 2hats more8 *ou #an now use *our 0D$ Ban, De3it $ard also for online pur#hases.
%ey ene"it35-
/our 0D$ Ban, #redit = de3it #ard num3er is ne!er used on the mer#hant we3site.The NetSafe #ard *ou #reate is a one time use #ard./ou #an set *our own limit for the NetSafe #ards *ou generate./ou #an use it on an* mer#hant we3site that a##epts Master $ard = 5IS" pa*ment #ards.It ensures a #ompletel* safe and se#ure online shopping e%perien#e.
"ll pur#hases *ou ma,e with NetSafe $ards will appear on *our statement8 ust li,e an* other transa#tion.
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8/10/2019 Analysis of Product & Services of HDFC BANK LTD.
It is our endea!our to simplif* the world of 3an,ing for *ou. /ou #an now re7uest #he7ue 3oo,s8 stop #he7ues8re7uest Demand Drafts8 a##ess "##ount statements and more from where!er *ou are 1 with ngpa* 1 are!olutionar* appli#ation that allows *ou to transa#t on *our mo3ile phone as easil* as *ou #an on ourwe3site.Then again8 theres more to ngpa* than ust Mo3ileBan,ingG gpa* offers a range of ser!i#es from its networ,of partners. In a simple8 #onsolidated menu8 *ou #an dis#o!er and #hoose mer#hants or ser!i#e pro!iders withwhom *ou want to transa#t.
Banking "it: HFC Bank+ ull suite of Mo!ileBanking and Pa9ment Serices in#luding Fun> Trans@er fa#ilit*./ou #an transfer funds to an* HFC Bank Account or an* 2isa Car> (De3it or $redit) within India usingngpa*.Entertainment at Fame CinemasD INO5 Cinemas+ Sear#h for shows8 sele#t = !iew seats and pa* for ti#,etsTrael t:roug: IRCTCD eccanD Make1M91TripD *atraD re>Bus+ Sear#h for options8 pri#e trips and 3oo,ti#,ets.S:opping @rom Ferns N PetalsD Arc:iesD FutureBaGaar+ Sear#h8 3u* and ship produ#ts to an*one8 an*wherein India.Telecom Serices "it: BP( Mo!ile+ Manage *our a##ounts8 top1up the prepaid 3alan#e and pa* *ourmonthl* postpaid 3ills.
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8/10/2019 Analysis of Product & Services of HDFC BANK LTD.
@.E!en in the num3er of #ustomers I$I$I Ban, leads 3* a distan#e 9'ee tb+e5 'hre o" the 8++et). Nearl*@H million #ustomers 3an, with I$I$I Ban,8 while the num3er for 0D$ Ban, is less than half (;.H million).
:.I$I$I Ban, has issued < million #redit #ards 11 that is more than twi#e the num3er of 0D$ Ban,s #redit#ard users. 0owe!er8 industr* o3ser!ers point out that I$I$I Ban,s effe#ti!e users for #redit #ards ma* not 3ehigh.
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8/10/2019 Analysis of Product & Services of HDFC BANK LTD.
<.Nonetheless8 the* #on#ede that e!en with a dis#ounted #ustomer 3ase8 the num3ers will still 3e strong.E!en in 3usinesses li,e online trading where the ris,s are relati!el* low8 I$I$I Ban, #ommands a two1thirdsmar,etshare.
H.0D$ B"N' ha!e to laun#h new produ#t 6 te#hnolog* to impro!e their ser!i#es.
. . 0he 1on Perorming Assets 71PA8 o "#$% !ank ltd is <.=? which is very low as compared
to other !anks.
D. More !ranc:es should !e set up in the cities which are not covered till now.
B. Atm 3 !ranc:es o@ HFC BAN, are less as compare> to ICICI BAN,-
8-elop proper >istri!ution net"ork to increase t:eir sale-
SUGGESTIONS AND RECOMMENDATIONS
• More !ranc:es should !e set up in the cities which are not covered till now so as
to make the !ank easily accessi!le to more people, like S&I.
• )ore secure an> sa@e transactions through A0)s to avoid raud.
• Customer care services should !e improved as there are lots o complaints o
holding the line or long durations and not getting response.
• Complaints o customers should !e heard and sorted out @uickly.
• Internet !anking should !e made saer to avoid raudulent transactions.
• A sae and relia!le system or Mo!ile Banking should !e implemented.
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8/10/2019 Analysis of Product & Services of HDFC BANK LTD.