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A training Report submitted in partial

fulfillment of the requirements for the award


of the degree of the Master Business
Administration ( Industry integrated), Gauhati
University on

“ Customer preference & attributes towards


Saving & Current Account of HDFC Bank”
Under Organization Guidance of : Under Institution Guidance of :
Mr. .Dinesh Prasad Prof. Deepti Gaur
Sales Manager NDIMS
Kingsway Camp New Delhi

Prepared and submitted by


Shiv Sankar Bhakta
G.U.Registration No.3395of 2009-2010
CERTIFICATE

This is to certify that Shiv Sankar Bhakta, a student of the Gauhati


University has prepared his Training Report entitled “Factors affecting
growth of equity market” under my guidance. He has fulfilled all
requirements under the regulations of the MBA (IIP) Gauhati University,
leading to the MBA (IIP) degree. This work is the result of his own
investigation and the project; neither as a whole nor any part of it was
submitted to any other University or Educational Institution for any
research or diploma.

I wish him all success in life.

Prof. Deepti Gaur


Head of the Department,
NDIMS, New Delhi
DECLARATION

I hereby declare that the Training Report conducted at

HDFC LTD.,
KINGSWAY CAMP.
NEW DELHI-110009

Under the guidance of


DEEPTI GAUR

Submitted in partial fulfillment of the requirements for the Degree of

MASTER OF BUSINESS ADMINISTRATION


(Industry Integrated)

TO

GAUHATI UNIVERSITY, GAUHATI

Is my original work and the same has not been submitted for the award of any other
Degree/ diploma/ fellowship or other similar titles or prizes.

Place: Shiv Sankar Bhakta

Date: Reg. No.3395


ACKNOWLEDGEMENT
Acknowledgement to be mention to the Head of the Academic Partner
NAIM, Faculty guide .Training officer in charge ,Manager in charge ,other
staff members, colleagues and friends for their encouragement ,support
,guidance and assistance for undergoing management training and preparing
the project report.

Shiv Sankar Bhakta


CHAPTER 1

INTRODUCTION

1.1GENERAL INTRODUCTION ABOUT THE SECTOR

1.2INDUSTRY PROFILE
A) ORIGIN AND DEVELOPMENT OF THE INDUSTRY
B) GROWT AND PRESENT STATUS OF THE INDUSTRY
C) FUTURE OF THE INDUSTRY
1.1 GENERAL INTRODUCTION ABOUT THE SECTOR:-

BANKING STRUCTURE IN INDIA

Scheduled Banks in India

(A) Scheduled Commercial Banks

Public sector Private sector Foreign Regional Rural


Banks Banks Banks in Bank
India
(28) (27) (29) (102)
• Nationalized • Old Private
Bank Banks
• Other Public • New
Sector Banks Private
(IDBI) Banks
• SBI and its
Associates
(B) Scheduled Cooperative Banks

Scheduled Urban Cooperative Scheduled State Cooperative


Banks (55) Banks (31)

A) ORIGIN AND DEVELOPMENT OF THE INDUSTRY

Here we more concerned about private sector banks and competition

among them. Today, there are 27 private sector banks in the banking

Sector: 19 old private sector banks and 8 new private sector banks.

These new banks have brought in state-of-the-art technology and

Aggressively marketed their products. The Public sector banks are

Facing a stiff competition from the new private sector banks.

The banks which have been setup in the 1990s under the guidelines

of the Narasimham Committee are referred to as NEW PRIVATE

SECTOR BANKS.
B)
i) GROWTH AND PRESENT STATUS OF THE INDUSTRY

The Indian banking Industry is in the middle of an IT revolution,

Focusing on the expansion of retail and rural banking.

Players are becoming increasingly customer - centric in their

approach, which has resulted in innovative methods of offering new

banking products and services. Banks are now realizing the

importance of being a big player and are beginning to focus their

attention on mergers and acquisitions to take advantage of

economies of scale and/or comply with Basel II regulation.

“Indian banking industry assets are expected to reach US$1 trillion by


2010 and are poised to receive a greater infusion of foreign capital,”

says Prathima Rajan, analyst in Celent's banking group and author of

the report. “The banking industry should focus on having a small

number of large players that can compete globally rather than having

a large number of fragmented players."

ii) PRESENT STATUS OF THE INDUSTRY

HDFC is India's premier housing finance company


and enjoys an impeccable track record in India as well as in
international markets. Since its inception in 1977, the
Corporation has maintained a consistent and healthy growth
in its operations to remain the market leader in mortgages.
Its outstanding loan portfolio covers well over a million
dwelling units. HDFC has developed significant expertise in
retail mortgage loans to different market segments and also
has a large corporate client base for its housing related
credit facilities. With its experience in the financial markets,
a strong market reputation, large shareholder base and
unique consumer franchise, HDFC was ideally positioned to
promote a bank in the Indian environment.
c) FUTURE OF THE INDUSTRY

INDIAN BANKING INDUSTRIES


The Indian banking market is growing at an astonishing rate, with

Assets expected to reach US$1 trillion by 2010. An expanding

economy, middle class, and technological innovations are all

contributing to this growth.

The country’s middle class accounts for over 320 million people.

In correlation with the growth of the economy, rising income levels,

increased standard of living, and affordability of banking products

are promising factors for continued expansion.

UPCOMING FOREIGN BANKS IN INDIA

By 2009 few more names is going to be added in the list of foreign

banks in India. This is as an aftermath of the sudden interest shown

by Reserve Bank of India paving roadmap for foreign banks in India

greater freedom in India. Among them is the world's best private bank

by EuroMoney magazine, Switzerland's UBS.


The following are the list of foreign banks going to set
up business in India :-

• Royal Bank of Scotland



• Switzerland's UBS

• US-based GE Capital

• Credit Suisse Group

• Industrial and Commercial Bank of China
CHAPTER 2
• PROFILE OF THE ORGANIZATION

2.1 ORIGIN OF THE ORGANIZATION


2.2 GROWTH AND DEVELOPMENT OF THE ORGANIZATION
2.3 PRESENT STATUS OF THE ORGANIZATION
2.4 FUNTIONAL DEPARTMENT OF THE ORGANIZATION
2.5 ORGANIZATION STRUCTURE –AND ORGANIZE
INSTITUTION FOR ANY RESEARCH OR DIPLOMA .ATION CHART.
2.6PRODUCT AND SERVIC PROFILE OF THE ORGANIZATION
2.7MERKET PROFILE OF THE ORGANIZATION
2.1 ORIGIN OF THE ORGANIZATION

The Housing Development Finance Corporation Limited (HDFC) was

amongst the first to receive an 'in principle' approval from the

Reserve Bank of India (RBI) to set up a bank in the private sector, as

part of the RBI's liberalization of the Indian Banking Industry in 1994.

The bank was incorporated in August 1994 in the name of 'HDFC

Bank Limited', with its registered office in Mumbai, India. HDFC Bank

commenced operations as a Scheduled Commercial Bank in January

1995.

HDFC is India's premier housing finance company and enjoys an

impeccable track record in India as well as in international markets.

Since its inception in 1977, the Corporation has maintained a

consistent and healthy growth in its operations to remain the market

leader in mortgages. Its outstanding loan portfolio covers well over a

million dwelling units. HDFC has developed significant expertise in

retail mortgage loans to different market segments and also has a

large corporate client base for its housing related credit facilities.

With its experience in the financial markets, a strong market

reputation, large shareholder base and unique consumer franchise,

HDFC was ideally positioned to promote a bank in the Indian

environment.
HDFC Bank began operations in 1995 with a simple mission : to be a

“ World Class Indian Bank.” We realized that only a single minded

focus on product quality and service excellence would help us get

there. Today, we are proud to say that we are well on our way

towards that goal.

GROWTH AND DEVELOPMENT OF THE ORGANIZATION

RECENT DEVELOPMENT

The Reserve Bank of India has approved the scheme of

amalgamation of Centurion Bank of Punjab Ltd. with HDFC Bank

Ltd. with effect from May 23, 2008.


All the branches of Centurion Bank of Punjab will function as

branches of HDFC Bank with effect from May 23, 2008. With RBI’s

approval, all requisite statutory and regulatory approvals for the

merger have been obtained.

The combined entity would have a nationwide network of 1167

branches; a strong deposit base of around Rs.1,22,000 crores and

net advances of around Rs.89,000 crores. The balance sheet size of

the combined entity would be over Rs.1,63,000 crores.

Merger with Centurion Bank of Punjab Limited


On March 27, 2008, the shareholders of the Bank accorded their

consent to a scheme of amalgamation of Centurion Bank of Punjab

Limited with HDFC Bank Limited. The shareholders of the Bank

approved the issuance of one equity share of Rs.10/- each of HDFC

Bank Limited for every 29 equity shares of Re. 1/- each held in

Centurion Bank of Punjab Limited. This is subject to receipt of


Approvals from the Reserve Bank of India, stock exchanges and

Other requisite statutory and regulatory authorities. The shareholders

Also accorded their consent to issue equity shares and/or warrants

convertible into equity shares at the rate of Rs.1,530.13 each to

HDFC Limited and/or other promoter group companies on preferential

basis, subject to final regulatory approvals in this regard. The

Shareholders of the Bank have also approved an increase in the

authorized capital from Rs.450 crores to Rs.550 crores.

2.3 PRESENT STATUS OF THE ORGANIZATION


HDFC Bank began its operations in 1995 with a
simple mission: to be a "World-class Indian Bank". They
realized that only a single-minded focus on product quality
and service excellence would help us get there. Today, they
are proud to say that they are well on our way towards that
goal. It is extremely gratifying that their efforts towards
providing customer convenience have been appreciated both
nationally and internationally.

• 2009

Euro money Awards 2009 'Best Bank in India'


Economic Times Brand Most Trusted Brand - Runner Up
Equity & Nielsen Research
annual survey 2009

Asia Money 2009 Awards Best Domestic Bank in India'


IBA Banking Technology Best IT Governance Award - Runner
Awards 2009 up'

Global Finance Award 'Best Trade Finance Bank in India


for 2009

IDRBT Banking Technology 'Best IT Governance and Value


Excellence Award 2008 Delivery'

Asian Banker Excellence in 'Asian Banker Best Retail Bank in


Retail Financial Services India Award 2009 '

2.4 FUNCTIONAL DEPARTMENT OF THE ORGANIZATION


DEPARTMENT

Welcome Desk In the HDFC


BANK each
department
Personal Banker has their
different color
Teller coding

Relationship Manager apply on the


different file.
Branch Manager Due to this
everyone aware
Demat about their

Others particular color


file which is
coding on it and they save their valuable

time. It is a part of Kaizen and also included in the system of the Five

‘S’. Logic behind it that , the color coding are always differentiate the

things from the similar one.

2.5) ORGANIZATION STRUCTURE –AND ORGANIZE

INSIDE HDFC BANK


FIVE “S” , PART OF KAIZEN
WORK PLACE TRANSFORMATION

Focus on effective work place organization

Believe in

“ Small changes lead to large improvement ”

Every successful organization have their own strategy to win the

race in the competitive market. They use some technique and

methodology for smooth running of business. HDFC BANK also

aquired the Japanese technique for smooth running of work and

effective work place organization.

Five ‘S’ Part of Kaizen is the technique which is used in the bank

For easy and systematic work place and eliminating unnecessary

things from the work place.

BENEFIT OF FIVE “S”

• It can be started immediately.


• Every one has to participate.
• Five “ S” is an entirely people driven initiatives.
• Brings in concept of ownership.
• All wastage are made visible.

FIVE ‘S’ Means :-

S-1 SORT SEIRI


S-2 SYSTEMATIZE SEITON
S-3 SPIC-N-SPAN SEIRO
S-4 STANDARDIZE SEIKETSU
S-5 SUSTAIN SHITSUKE

(1) SORT :-

It focus on eliminating unnecessary items from the work place.

It is excellent way to free up valuable floor space.

It segregate items as per “require and wanted”.

Frequently Less
Required Frequently
Remove Required
everything from
workplace
Wanted but
not Required Junk

(2) SYSTEMATIZE :-
Junk
Systematize is focus on efficient and effective Storage method.

That means it identify, organize and arrange retrieval.

It largely focus on good labeling and identification practices.


Objective :- “A place for everything and everything in its place”.

(3) SPIC- n - SPAN:-

Spic-n-Span focuses on regular clearing and self

inspection. It brings in the sense of ownership.

(4) STANDERDIZE :-

It focus on simplification and standardization. It involve standard

rules and policies. It establish checklist to facilitates autonomous

maintenance of workplace. It assign responsibility for doing

various jobs and decide on Five S frequency.

(5) SUSTAIN:-

It focuses on defining a new status and standard of

organized work place. Sustain means regular training to maintain

standards developed under S-4. It brings in self- discipline and

commitment towards workplace organization.

LABELLING ON FILE
FILE NUMBER

SUBJECT

FROM DATE

TO DATE

OWNER

BOX LABEL

For Example

1/3/A/6

1 – Work Station (1)


3 – Drawer (3)
A - Shelf (A)
6 – File Number ( 6)

CHAPTER 3

DISCUSSION ON TRAINING

3.1 WORK PROFILE, TOOLS AND TECHNIQUES USED:-


3.2 KEY LEARNING:-

3.1 WORK PROFILE, TOOLS AND TECHNIQUES USED:-

I should perform the duties of contract sales executive in the


bank primarily consisting of sales promotion work and shall
perform such other related duties and such power that the
bank and/or any of its subsidiary or its associated companies
within the HDFC bank group may delegate or assign to meby or
with the authority of the Managing Director of the Bank.
3.2 KEY LEARNING:-
Learned to explain the product being distributed to the
customer about the various benefits.

I will not during my engagement or thereafter except in the


proper course of my duties ,disclose ,any information
concerning any of the business or affairs of the Bank ,its
subsidiaries or its associates companies or of its customer
which my come to my knowledge during the course of my
engagement or otherwise howsoever and I will use best
endeavors to prevent any such disclosure.

In the event of any willful or continue neglected by me and my


duties ,any serious misconduct or any breach of this contract
on your part the bank reserve the right to terminate my
employment forth with and without previous notice or payment
in lieu of notice and I shall bound by such a decision and shall
not question the same.
CHAPTER 4

STUDY OF SELECTED RESEARCH PROBLEM

4.1 STATEMENT OF RESEARCH PROBLEM

4.2 STATEMENT OF RESEARCH OBJECTIVES


4.1 STATEMENT OF RESEARCH PROBLEM

Sales Executives were with good background human being


and through rigorous process of recruitment but still not able
to perform up to the expectation level of company, HR is not
able to sort out the problem why the performance is not
coming even after giving the full marketing support. The
communication technique and dealing with the customers is
also a problem to the sales executives.

4.2 STATEMENT OF RESEARCH OBJECTIVES

PRIMARY OBJECTIVES:

· To open new savings accounts by convincing customers


and to promote the benefits of those which are provided
by the bank.
· To find the different way of convincing customers.
· To study brand image of the bank.
· To increase the business of the bank.

SECONDARY OBJECTIVES:

· To determine the need and purpose of a sales executive.


· To understand the deciding criteria for people to become
sales executive.
· To offer suggestions based upon the findings.

4.3 RESEARCH DESIGN AND METHODOLOGY

Research was initiated by examining the secondary data to


gain insight into the problem. By analyzing the secondary
data, the study aim is to explore the short comings of the
present system and primary data will help to validate the
analysis of secondary data besides on unrevealing the areas
which calls for improvement.

DEVELOPING THE RESEARCH PLAN:

The data for this research project has been collected


through self Administration. Due to time limitation and other
constraints direct personal interview method is used. A
structured questionnaire was framed as it is less time
consuming, generates specific and to the point information,
easier to tabulate and interpret. Moreover respondents
prefer to give direct answers.
In questionnaires open ended and closed ended, both
the types of questions has been used.
METHODOLOGY:-

COLLECTION OF DATA:-
1: Secondary Data: It was collected from internal sources.
The secondary data was collected onthe basis of
organizational file, official records, news papers, magazines,
management books preserved information in the company’s
database and website of the company.

2: Primary data: All the people from different profession


were personally visited and interviewed. They were the main
source of Primary data. The method of collection of primary
data was direct personal interview through a structured
questionnaire.

SAMPLING PLAN:

Since it is not possible to study whole universe, it


becomes necessary to take sample from the universe to
know about its characteristics.
· Sampling Units: Different professionals Chartered
Accountants, Tax Consultants,
Lawyers, Business Man,
Professionals and
House Wives of Pali.

· Sample Technique: Random Sampling.

· Research Instrument: Structured Questionnaire.

· Contact Method: Personal Interview.

SAMPLE SIZE:

My sample size for this project was 200 respondents. Since


it was not possible to cover the whole universe in the
available time period, it was necessary for me to take a
sample size of 200 respondents.

DATA COLLECTION INSTRUMENT DEVELOPMENT:

The mode of collection of data will be based on Survey


Method and Field Activity. Primary data collection will base
on personal interview. I have prepared the questionnaire
according to the necessity of the data to be collected.
CHAPTER 5

ANALYSIS

5.1 ANALYSIS OF DATA

5.2 SUMMARY OF FINDINGS

5.1 ANALYSIS OF DATA

Q.1. Age Group?

TABLE
Serial Age Category Number of Percentage
No. Respondents
1. 18-23 Years 40 20%
2. 24-29 Years 70 35%
3. 30-35 Years 60 30%
4. 35 Years & above 30 15%
Total 200 100%

Base 200 respondents

70
60
50
40 18-23 Years
30 24-29 Years
20 30-35 Years
10 35 Years & above
0
18-23 30-
Years 35Years

Interpretation
From the table and graph above it can be seen that
• 20% respondent’s age are 18 to 23 years.
• 35% respondent’s age are 27 to 29 years.
• 30% respondent’s age are 30 to 35 years.
• 15% respondent’s age are 35 to above years.
Q.2. Marital Status?

TABLE

Serial Category Number of Percentage


No. Respondents
1. Married 140 70%
2. Unmarried 60 30%
Total 200 100%

Base 200 respondents

140
140
120
100
80
Married
60
60 Unmarried
40
20
0
Married Unmarried

Interpretation

From the table and graph above it can be seen that


• 70% respondents are married.
• 30% respondents are unmarried.

Q.3. Educational Qualification?


TABLE

Serial Category Number of Percentage


No. Respondents
1. Under graduate 50 25%
2. Graduate 80 40%
3. Post Graduate 70 35%
Total 200 100%

Base 200 respondents

80
70
60
50
Under graduate
40
Graduate
30
20 Post Graduate
10
0
1st 2nd 3rd

Interpretation

From the table and graph above it can be seen that


• 25% respondents are Under graduate.
• 40% respondents are Graduate.
• 35% respondents are Post graduate.

Q.4. Number Of year’s Are You in Delhi ?

TABLE

Serial Category Number of Percentage


No. Respondents
1. Less than five 78 39%
years
2. More than five 122 61%
years
Total 200 100%

Base 200 respondents

140

120

100

80 Less than five


years
60 More than five
years
40

20

0
1st 2nd

Interpretation

From the table and graph above it can be seen that


• 39% respondents are in Delhi for less than five years.
• 61% respondents are in Delhi for more than five
years.

Q.5. Your Occupation?

TABLE

Serial Category Number of Percentage


No. Respondents
1. Business 40 20%
2. Profession 108 54%
3. Service 52 26%
Total 200 100%

Base 200 respondents

120

100

80

60 Business

40 Profe ssion

20 Service

Interpretation

From the table and graph above it can be seen that


• 20% respondents Occupation is Business.
• 26% respondents Occupation is Profession.
• 54% respondents Occupation is Service.

Q.6. Your annual household income?

TABLE

Serial Category Number of Percentage


No. Respondents
1. Less than 2 lacs 98 49%
2. Between 2 to 5 62 31%
3. Between 5 to 8 30 15%
4. More than 8 lacs 10 5%
Total 200 100%

Base 200 respondents


100

80

60 Less than 2 lacs


Between 2 to 5 lacs
40 Between 5 to 8 lac
More than 8 lacs
20

0
1st Qtr 2nd Qtr 3rd Qtr 4th Qtr

Interpretation

From the table and graph above it can be seen that


• 49% respondent’s annual household income is less
than 2 lacs.
• 31% respondent’s annual household income is
between 2 to 5 lacs.

• 15% respondent’s annual household income is


between 5 to 8 lacs.
• 5% respondent’s annual household income is more
than 8 lacs.
Q.7. Are you a member of a club/gymkhana?

TABLE

Serial Category Number of Percentage


No. Respondents
1. Yes 84 42%
2. No 116 58%
TOTAL 200 100%

Base 200 respondents


120

100

80

60 YES
NO
40

20

0
YES NO

Interpretation
From the table and graph above it can be seen that
• 42% respondents are member of a club/gymkhana.
• 58% respondents are not member of a
club/gymkhana.
Q.8. What is your perception about different
products/services provided by HDFC bank?
TABLE

Serial Category Number of Percentage


No. Respondents
1. Lucrative 50 25%
2. Non Lucrative 120 60%
3. No Idea 30 15%
Total 200 100

Base 200 respondents


120
100
80
60 Lucrative
Non-Lucrative
40
No Idea
20
0
Non- No
Lucrative Lucrative Idea

Interpretation
From the table and graph above it can be seen that
• 25% respondent’s perception about different products
is lucrative.
• 60% respondent’s perception about different products
is not lucrative.
• 15% respondent’s have no idea.
Q.9. Do you want to open an account with HDFC bank?
TABLE

Serial Category Number of Percentage


No. Respondents
1. Yes 10 5%
2. No 160 80%
3. Will tell later 30 15%
TOTAL 200 100%

Base 200 respondents


160
140
120
100
80 Yes
60 No
40 Will tell later
20
0
Yes No Will tell
later

Interpretation
From the table and graph above it can be seen that
• 80% respondents are not interested to open an
account with the bank.
• 5% respondents are interested to open an account
with the bank.
• 15% of the respondents say that they will tell later.
Q.10. Do you have all the documents which are required to
open an account?

TABLE

Serial Category Number of Percentage


No. Respondents
1. Yes 120 60%
2. No 80 40%
TOTAL 200 100%

Base 200 respondents


120

100

80

60 Yes
No
40

20

0
YES NO

Interpretation
From the table and graph above it can be seen that
• 60% respondents have all the documents which are
required to open an account with the bank.
• 25% respondents do not have all the documents which
are required to open an account with the bank.
Q.11. Are you aware that the bank provides you a free
Demat account if you open a new savings
account with HDFC bank?

TABLE

Serial Category Number of Percentage


No. Respondents
1. Yes 40 20%
2. No 160 80%
TOTAL 200 100%

Base 200 respondents


160
140
120
100
80 Yes
60 No
40
20
0
Yes No

Interpretation
From the table and graph above it can be seen that
• 20% respondents are aware that the bank provides a
free Demat account with new savings account.
• 40% respondents are not aware of it.
Q.12.Are you aware of different terms and conditions which
are very much essential to maintain an account at
HDFC Bank?
TABLE

Serial Category Number of Percentage


No. Respondents
1. Yes 25 22%
2. No 175 88%
TOTAL 200 100%

Base 200 respondents

180
160
140
120
100
Yes
80
No
60
40
20
0
Yes No

Interpretation
From the table and graph above it can be seen that
• 12% respondents are familiar with different terms and
conditions which are very much essential to maintain
account with the bank.
• 88% respondents have no idea about it.
Q.13. Do you know about HDFC Bank’s recruitment policies
related to sales executives?

TABLE

Serial Category Number of Percentage


No. Respondents
1. Yes 82 41%
2. No 118 59%
TOTAL 200 100%

Base 200 respondents

120

100

80

60 Yes
No
40

20

0
Yes No

Interpretation
From the table and graph above it can be seen that
• 41% respondents are known about HDFC Bank’s
recruitment policies related to sales executives.
• 59% respondents are not known about HDFC Bank’s
recruitment policies related to sales executives.
5.2 SUMMARY OF FINDING
CHAPTER 6
SUMMARY AND CONCLUSION

6.1 SUMMARY OF LEARNING EXPERIENCE

6.2 CONCLUSION AND RECOMODATONS

6.1 SUMMARY OF LEARNING EXPERIENCE

6.2 CONCLUSION AND RECOMODATONS


HDFC Bank, the banking arm of HDFC is expected to go on
stream. The bank already has good number of employees on
board and is recruiting Sales Executives heavily to take the
headcount to many more. It is on the brim of increasing its
customers through its attractive schemes and offer.

The project opportunities provided was market


segmentation and identifying prospective customers in
potential geographical location and convincing them to open
an account so that new Business Opportunities of the bank
can be explored. Through this project, it could be concluded
that people are not much aware about the various products
of the bank and many of them not interested to open an
account at all.
Services was considered as unsought good
which require hard core selling, but in changing trend in
income and people becoming financially literate, the demand
for banking sector is increasing day by day.

According to my findings Company’s promotional activities


for recruiting sales executives are also very less.
So, at last the conclusion is that there is tough competition
ahead for the company from its major competitors in the
banking sector.
Last but not the least I would like to thank
HDFC Bank for giving me an opportunity to work in the field
of Marketing. I hope the company finds my analysis
relevant.

RECOMMENDATIONS:
Finally some recommendations for the company are as
fallows:-
• To make people aware about the benefit of becoming
HDFC Bank’s Sales Executive, following activities of
advertisement should be done through
1. Print Media.
2. Hoarding & Banners.
3. Stalls in Trade Fares
4. Distribution of leaflets containing details information.

• The bank should provide life time valid ATM card to all
its customers.

• Minimum balance for savings account should be


reduced from Rs 5000 to Rs 1000, so that people who
are not financially strong enough can maintain their
account properly.

• The company should provide a pass book to all its


customers.

• Make people understand about the various benefits of


its products.
• Company should organize the program in the society,
so that people will be aware about the company and
different products of the bank.

• Company should open more branches in different


cities.

APPENDIX
ANNEXURELIKE
COPY OF QUESTIONNAIRES,INTERVIEW SCHEDULE.

1. QUESTIONNAIRE
QUESTIONNAIRE

Dear Sir/Madam,

Name: ………………………………………………………………………
Address: ……………………………………………………………………
Contact No :®………………( O)……………… (M)………………………
City: ………...............Pin: ………………….State: ………………………

I am a student of Govt.P.G. Bangur Collage, Pali (Raj.)


and presently doing a project on “OPENING SAVINGS &
CURRENT ACCOUNT BY MEETING CUSTOMERS”.

I request you to kindly fill the questionnaire below and I


assure you that the data generated shall be kept
confidential.

1. Your Age: ____________________

2. Education Qualification.
• Undergraduate □
• Graduate □
• Post graduate □
3. Marital Status.
• Married □
• Single □
No. of Children: __________

4. Number Of year’s Are You in Pali.


• Less than five year’s □
• More than five year’s □

5. Occupation.
• Business □
• Profession □
• Service □

(Please mention below the type of business/profession you


are in incase of service please mention your organization
name and designation)

6. Your annual household income.


• <than 2 lack □
• Between 2 to 5 lack □
• Between 5 to 8 lack □
• >than 8 lack □
7. Are you a member of a Club/Gym?
• Yes □
• No □
If yes, Name of the Club/Gym
_______________________________________

8. What is your perception about different products


and services offered by HDFC Bank?
• Lucrative □
• Not lucrative □
• No idea □

9. Do you want to open a Savings Account or Current


Account with HDFC Bank?
• Yes □
• No □
• Will tell later □

10. Do you have all the documents which are required


to open an account?
• Yes □
• No □
11. Are you aware of that HDFC Bank provide you a
free Demat account if you open a new savings
account with the bank?
• Yes □
• No □

12. Are you aware of different terms and conditions


which are very much essential to maintain an
account at HDFC Bank?
• Yes □
• No □

13. Do you know about HDFC Bank’s recruitment


policies related to sales executives?
• Yes □
• No □

Date:
Place: Signature

BIBLIOGRAPHY

BIBLIOGRAPHY
1. BOOKS AUTHORS

• Marketing Management (10th Edition) Philip Kotler

• Marketing Management (3rd Edition) V.S. Ramaswamy

• Research Methodology (2nd Edition)

• Research Methodology

2. NEWS PAPERS

• Times of India

• Financial Express

3. WEBSITES

• www.hdfcbank.com

• www.google.com

• www.scribd.com