Busisness Organisation Field Work

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HDFC BANK FIELD WORK

Business Organisation

MADE BY –

SACHIT NARAIN - ROLL NO. 1039

JAYDIP RATHOD - ROLL NO. 1020

RAHUL - ROLL NO. 1033



HDFC BANK

Housing Development Finance Corporation

Founded in 1977 by Hasmukh bhai Parakh

HDFC Bank was incorporated in August 1994 Among the first in new generation commercial banks

Registered office in Mumbai, India

Promoted by HDFC, the parent company

IPO in India in 1995

Listed in NSE, BSE, NYSE(ADR)



NETWORK

761 branches

1977 ATM’s in the country

327 cities in India

All branches are OLRTconnected

16 branches in Middle east

6 in Africa

Representative offices in Hong

Kong, NewYork, London & Singapore



AIDS TO TRADE

BANKING

INSURANCE

COMMUNICATION

TRANSPORT

PUBLICITY



BANKING

Banking in HDFC likeother banks involves the “moving” of funds.

Reaches to general

public for safe depositionof their funds

Deposited fund grantedas loan ( not more than40% of deposited

amount) Customer funds also

invested in equities

Funds withdrawn existingaccount holders throughATMs



LOANS

Home Loans

Land Purchase Loans

Corporate Loans

Car Loans

Auto Loans

Education Loans

Loans for NRI



Securities Against Loan

There are two types of Loans-

1. Secured2. Unsecured

The bank facilitates unsecured loans of smaller amounts byverifying only the salary slips of for the past few months.However, secured loans require verification of possession of assetas security before issue of loan



INSURANCE

In law and economics, insurance is a form of risk management primarily used to hedgeagainst the risk of a contingent, uncertainloss. Insurance is defined as the equitabletransfer of the risk of a loss, from one entityto another, in exchange for payment. Aninsurer is a company selling the insurance;an insured or policyholder is the person orentity buying the insurance policy. Theinsurance rate is a factor used to determinethe amount to be charged for a certainamount of insurance coverage, called thepremium. Risk management, the practice of appraising and controlling risk, has evolvedas a discrete field of study and practice.



INSURANCE PROTECTION PLANS

Protection Plans help to shield the family fromuncertainties in life due to financial losses interms of loss of income that may dawn uponthem in case of untimely demise or criticalillness. Securing the future of one’s family is oneof the most important goals of life. ProtectionPlans go a long way in ensuring the family’sfinancial independence in the event of anyunfortunate demise or critical illness. They areall the more important if he/she was the chief wage earner in the family. No matter how much

one must have saved or invested over the years,sudden eventualities, such as death or criticalillness, always tend to affect the familyfinancially apart from the huge emotional loss.



Self Insurance

Since HDFC itself offersvarious insurancepolicies, it insures theassets of its ownbraches throughpolicies of othercorporations orfacilitates self risk management through

its own policies.



COMMUNICATIONS



With whom does HDFCcommunicate with?

With Customers

With RBI

With Other Banks

With Security Corporations

With Press



TRANSPORT

HDFC has to facilitate transport in case of transfer of money,gold orequally important assets of high monetary value from one bank branch to another, to another bank , or excessive funds to the headbranch.

Armoured cars are generally used for these purposes



Security Personnel

Handling hard cash isnot a lenient matter.It requires constantmonitoring and

vigilance of trustedindividuals. Similar tothe armored cars thesecurity firms alsosupplies security

personnel to handlethe safety of cashand valuable assets



Publicity

Newspaper

Magazine

Audio Visual

Press Conferences



E-Commerce

Electronic commerce, commonly known as e-commerce oreCommerce, or e-business consists of the buying and sellingof products or services over electronic systems such as theInternet and other computer networks. The amount of tradeconducted electronically has grown extraordinarily withwidespread Internet usage. The use of commerce isconducted in this way, spurring and drawing on innovationsin electronic funds transfer, supply chain management,Internet marketing, online transaction processing, electronicdata interchange (EDI), inventory management systems,

and automated data collection systems. Modern electroniccommerce typically uses the World Wide Web at least atsome point in the transaction's lifecycle, although it canencompass a wider range of technologies such as e-mail aswell.



Success

As of 30 September 2008 the bank hadtotal assets of Rs.1006.82 billion. Forthe fiscal year 2008-09, the bank has

reported net profit of Indian Rupee2,245 crore, up 41% from the previousyear. Total annual earnings of the bankincreased by 58% reaching at IndianRupee 19,622.8 crore in 2008-09.



Busisness Organisation Field Work

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