About HDFC Bank

HDFC Bank marked the beginning of its services in the year 1995 with setting a loud and clear message that it
wants to become a "World-class Indian Bank". It always believed in winning the hearts of its customers with
quality products and services. It is the sole reason why today HDFC has been able to achieve both national
and international acclaim.

Background of HDFC Bank

Housing Development Finance Corporation Limited (HDFC) was arguably the first to obtain RBI's 'in-principle'
approval to foray into private sector bank. This came into effect when RBI was implementing liberalization
process to improve the banking industry of India in 1994. In 1994, the name changed to HDFC Bank Limited. It
started its function as a Scheduled Commercial Bank in January 1995.

Products and Services of HDFC Bank

HDFC Bank offers its customers a large number of products and services to meet their diverse needs and
requirements. The vast range of products and services of the bank is composed of:

Personal Banking

• Private Banking
• Accounts and Deposits
o Savings Accounts, Salary Accounts, Current Accounts, Fixed Deposits, Recurring
Deposit, Demat Account, Safe Deposit Lockers
• Credit, Debit and Pre-paid Cards
o Silver Credit Card, Titanium Credit Card, Value Plus Credit Card, Visa Signature
Credit Card, Corporate Platinum Credit Card, Purchase Card, EasyShop Gold Debit Card,
EasyShop International Debit Card, EasyShop International Business Debit Card, EasyShop
Titanium Debit Card, MoneyPlus Card, ForexPlus Chip Card
• Investments and Insurance
o Mutual Funds, Insurance, Tax Planning, Bonds, General & Health Insurance, Equities
& Derivatives, Knowledge Centre, Mudra Gold Bar
• Forex and Trade Services
o Products & Services, Forex Services Branch Locator, RBI Guidelines, Forex Limits
• Loans
o Personal Loans, SmartDraft, Home Loans, Two Wheeler Loans, New Car Loans,
Used Car Loans, Working Capital Finance, Commercial Vehicle Finance, Tractor Loans, Health
Care Finance, Loans Against Rental Receivables, Warehouse Receipt Loans, Loan Against
Property

NRI Banking

• Accounts and Deposits

o Rupee Savings Accounts, Rupee Current Accounts, Rupee Fixed Deposits, Foreign
Currency Deposits, Accounts for Returning Indians, Compare Accounts
• Investments and Insurance
o Mutual Funds, Private Banking, Portfolio Investment Schemes
• Payment Services
o NetSafe, InstaPay, BillPay, DirectPay, Online Donation, Visa Money Transfer
• Remittances
o Funds Transfer Cheques / DDs / TCs, Quickremit, Cheque LockBox, Quickremit
• Loans
o Home Loans, Loans Against Securities, Loans Against Deposits
Wholesale Banking

• Government Sector
• Small and Medium Enterprises
o Funded Services, Non-Funded Services, Specialized Services, Value Added Services,
Internet Banking
• Financial Institutions & Trusts
o Clearing Sub-membership, RTGS – Sub membership, Funds Transfer, ATM Tie-ups,
Tax Collection, Corporate Salary Accounts, Cash Management Services, Derivatives Desk,
Money Market Desk, Forex Desk, Custodial Service, Mutual Funds, Stock Brokers, Insurance
Companies, Commodity Businesses, Participation in RBI Auctions, SGL Maintenance
• Corporates
o Funded Services, Non Funded Services, Value Added Services, Internet Banking,
Supply Chain Partners (Dealer Financing, Vendor Financing), Agricultural Lending

Awards and Recognition of HDFC Bank

HDFC Bank has received many awards and accolades between 2007 and 2009. The list goes like this:

• Dun & Bradstreet – American Express Corporate Best Bank Award 2007
• Nasscom IT User Award 2008
• Asian Banker Best Retail Bank in India Award 2009
• Fe Best Bank Awards 2009
• UTI MF-CNBC TV18 Financial Advisor Awards 2009
• Euromoney Awards 2009
• Asia Money 2009 Awards
• IBA Banking Technology Awards 2009
• IDRBT Banking Technology Excellence Award 2008

Head Office of HDFC Bank

HDFC Bank
Ramon House, 169, Backbay Reclamation,
H T Parekh Marg, Churchgate
Mumbai – 400020

For Housing Loans in Mumbai -

Phone: +91 (22) 66636000

For Deposits -
Phone: +91 (22) 66316060
For Others -
Tel: +91 (22) 66316000
Fax: +91 (22) 22048834
RECENT DEVELOPMENTS:
HDFC Bank has designed two programs to make banking easier for the customers and they are

• HDFC Bank Preferred Programme

• HDFC Bank Classic Programme.

HDFC Bank offers Private Banking services to high net worth individuals and institutions.
HDFC Bank offers you quick, economical and convenient options to remit and transfer funds to India.

Corporate Banking reflects HDFC Bank 's strengths in providing our corporate clients in India, a wide array of
commercial, transactional and electronic banking products.
HDFC Bank acts as an active medium between the government and the customers by means of various
services.

Performance
Profit & Loss Account : Year ended March 31, 2007

For the year ended March 31, 2007, the Bank earned total income of Rs.8,405.3 crores as against Rs.5,599.3
crores in the corresponding period of the previous year. Net revenues (net interest income plus other income)
for the year ended March 31, 2007 were Rs.5,225.8 crores, up 42.4% over Rs.3,669.8 crores for the year
ended March 31, 2006. Net Profit for year ended March 31, 2007 was Rs.1,141.5 crores, up 31.1%, over the
corresponding year ended March 31, 2006.

Organization
Mr. Aditya Puri is the Managing Director of HDFC Bank .
Contact Details

Registered address: HDFC Bank House ,

Senapati Bapat Marg,
Lower Parel,
Mumbai - 400 013,
India.
HDFC Bank India products and services

The products and services of HDFC Bank India can be categorized into the
following types:

Accounts & Deposits

Savings Accounts

These accounts are primarily meant to inculcate a

sense of saving for the future, accumulating
funds over a period of time. Whatever your
occupation, we are confident that you will find
the perfect banking solution. Open an account in
your name or register for one jointly with a
family member today.

1. Savings Plus Account

2. Regular Savings Account
3. Senior Citizens Account
4. SavingsMax Account
5. Institutional Savings Account
6. No Frills Account

Salary Accounts

1. Classic
2. Payroll
3. Premium
4. Regular
5. No Frills Salary Account
6. Defence
7. Reimbursement Current Account

Pension Saving Bank Account

Kid's Advantage Account
Kisan No Frills Savings
Family Savings Group
Kisan Club Savings

Current Accounts

Now, with an HDFC Bank Current Account, experience the freedom of multi-
city banking! You can have the power of multi-location access to your account
from any of our 1,725 branches in 780 cities. Not only that, you can do most of
your banking transactions from the comfort of your office or home without
stepping out.

We make it our business to help you with your business by offering you a
Current Account with all the benefits you need to stay ahead of your
competition.

At HDFC Bank, we understand that running a business requires time and

money, also that your business needs are constantly evolving. That's where we
come in. We provide you with a choice of Current Account options to
exclusively suit your business - whatever the size or scope.

Open an HDFC Bank Current Account & control your business operations
centrally.

1. Trade Current Account 6. RFC - Domestic Account

2. Plus Current Account 7. Apex Current Account
3. Regular Current Account 8. Merchant Advantage Current
4. Premium Current Account Account
9. Max Current Account
5. Flexi Current Account
10.Merchant Advantage Plus
Current Account

Fixed Deposits

Long-term investments form the chunk of everybody's future plans. An

alternative to simply applying for loans, fixed deposits allow you to borrow
from your own funds for a limited period, thus fulfilling your needs as well as
keeping your savings secure.

1. 5 Year Tax Saving Fixed Deposit

2. Regular Fixed Deposit
3. Sweep-in Facility
4. Super Saver Facility

Recurring Deposit
Safe Deposit Lockers
Demat Account

As per the Finance Bill 2009, all fees and charges mentioned above will attract
Service Tax @ 10% and Education Cess @ 3% of the service tax amount
effective 24th February 2009.

HDFC Bank Imperia/Preferred /Classic Banking

1. Preferred Banking
2. Imperia Premium Banking
3. Classic Banking

Private Banking

Loans

1. SmartDraft 10.Loan Against Securities

2. Personal Loans 11.Health Care Finance
3. Two Wheeler Loans 12.Loans Against Rental
4. Home Loans Receivables
5. Used Car Loans 13.Tractor Loans
6. New Car Loans 14.Retail Agri Loans
7. Educational Loan 15.Working Capital Finance
8. Gold Loan 16.Commercial Vehicle Finance
17.Warehouse Receipt Loans
9. Loan Against Property
 18.Construction Equipment Finance

Cards

Credit Cards

1. Value Plus Credit Card 8. Visa Signature Credit Card

2. Silver Credit Card 9. Corporate Credit Card
3. Titanium Credit Card 10.Corporate Platinum Credit Card
4. Gold Credit Card 11.Business Gold Credit Card
5. Platinum Plus Credit Card 12.Business Platinum Credit Card
6. Woman's Gold Credit Card 13.Distributor Card

7. World MasterCard Credit 14.Purchase Card

Card

Debit Cards

1. EasyShop Gold Debit Card

2. EasyShop International Debit Card
3. EasyShop Woman's Advantage Debit Card
4. EasyShop International Business Debit Card
5. EasyShop NRO Debit Card
6. EasyShop Titanium Debit Card

Prepaid Cards

1. GiftPlus Card
2. ForexPlus Card
3. MoneyPlus Card
4. FoodPlus Card
5. ForexPlus Chip Card

Investments & Insurance

 1. Mutual Funds 6. General & Health Insurance
2. Wealth Advisory Services 7. Equities & Derivatives
3. Insurance 8. Knowledge Centre
4. Tax Planning 9. Mudra Silver Bar

5. Bonds 10.Mudra Gold Bar

Forex Services

1. Trade Services
2. Products & Services
3. Forex Limits
4. Forex Services Branch Locator

Payment Services

1. Merchant Services 11.Visa Money Transfer

2. NetSafe 12.mChek
3. ngpay 13.e-Monies Electronic Funds
4. Prepaid Refill Transfer
5. Visa BillPay 14.RTGS Funds Transfer
6. BillPay 15.Online Payment of Direct Tax
7. Register & Pay 16.Excise & Service Tax Payment
8. PayNow 17.Online payment of Gujarat VAT
9. DirectPay 18.Online payment of DVAT
19.Donate to Charity
10.InstaPay
20.Religious Offerings

Access Your Bank

1. Credit Cards Online 6. MobileBanking

2. NetBanking 7. Email Statements
3. InstaAlerts 8. PhoneBanking
4. OneView
9. Branch Network
5. ATM
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