A Brief Study On Value Added Services Offered by HDFC Bank

A BRIEF STUDY ON VALUE ADDED SERVICES
OFFERED BY HDFC BANK
Submitted in partial fulfillment for the award of the award of
BACHELOR IN BUSINESS ADMINISTRATION
DAV COLLEGE CHANDIGARH
(2015-2017)
SUBMITTED TO SUBMITTED BY
Prof. Gagan Josan SHASHANK RANA
PU PIN: 15043399
DECLARATION
I hereby declare that the project work entitled “ A BRIEF STUDY OF

VALUE ADDED SERVICES OFFERED BY HDFC BANK” submitted to
the DAV COLLEGE CHANDIGARH, is a original work done by me under
the guidance of PROF. GAGAN JOSAN, and this project work will not be
submitted for the award of an other degree, diploma or any other price or title.
(SHASHANK RANA)
ACKNOWLEDGEMENT
If words are considered to be signs of gratitude then let these words convey the
very same my sincere gratitude to HDFC Bank for providing me with an
opportunity to work with the bank and giving necessary directions on doing
this project to the best of my abilities.
I am highly indebted to HDFC BANK’S EMPLOYES who has provided me

with the necessary information and also for the support extended out to me in
the completion of this report and his valuable suggestions and comments on
bringing out this report in the best way possible.
I also thank MR GAGAN JOSAN, who has sincerely supported me with the
valuable insights into the completion of this project.
I am grateful to all the faculty members of DAV COLLEGE CHANDIGARH,

HDFC Bank and my friends who have helped me in the successful completion
of this project.
PREFACE
In order to achieve positive aim and concrete results, along with theoretical
concept, explosure of real life situation existing in cooperatve world is very
much needed,this practical training is required.
I took training in the HDFC BANK LTD. It was my fortune to get training in
very healthy atmosphere. I got ample opportunity to view the overall working
of the bank. The topic of my report is VALUE ADDED SERVICE OFFERED
BY HDFC BANK.
CONTENTS
SR.No. Subject Covered Page No.
1. History of banking in India
2. Profile of HDFC Bank
3. Financial result for the year ending march 2017
4. HDFCs products at glance
5. Value Added Services
6. Net Banking
7. Debit Cards
8. Credit Cards
9. One View
10. Mobile Banking
11. Insta Alerts
12. ATM
13. Phone Banking
14. Email Statements
15. Pre-paid Cards
16. Achievements and Awards
17. SWOT analysis
18. Review of Literature
19. Research Methodology
20. Data Analysis And Interpretations
21. Conclusion,Limitations $ Suggestions
21. Bibliography
22. Annexure
22. Lobby Management

BANKING IN
INDIA
HISTORY OF BANKING IN INDIA
Without a sound and effective banking system in India it cannot have a healthy
economy. The banking system of India should not only be hassle free but it should be
able to meet new challenges posed by the technology and any other external and
internal factors.
For the past three decades India's banking system has several outstanding
achievements to its credit. The most striking is its extensive reach. It is no longer
confined to only metropolitans or cosmopolitans in India. In fact, Indian banking
system has reached even to the remote corners of the country. This is one of the main
reason of India's growth process.
The government's regular policy for Indian bank since 1969 has paid rich dividends
with the nationalization of 14 major private banks of India.
Not long ago, an account holder had to wait for hours at the bank counters for getting
a draft or for withdrawing his own money. Today, he has a choice. Gone are days
when the most efficient bank transferred money from one branch to other in two days.
Now it is simple as instant messaging or dial a pizza. Money have become the order
of the day.
The first bank in India, though conservative, was established in 1786. From 1786 till
today, the journey of Indian Banking System can be segregated into three distinct
phases. They are as mentioned below:
 Early phase from 1786 to 1969 of Indian Banks

 Nationalisation of Indian Banks and up to 1991 prior to Indian banking sector
Reforms.
 New phase of Indian Banking System with the advent of Indian Financial &
Banking Sector Reforms after 1991.
Explanation of banking in three PHASES
Phase I
The General Bank of India was set up in the year 1786. Next came Bank of Hindustan
and Bengal Bank. The East India Company established Bank of Bengal (1809), Bank
of Bombay (1840) and Bank of Madras (1843) as independent units and called it
Presidency Banks.
These three banks were amalgamated in 1920 and Imperial Bank of India was
established which started as private shareholders banks, mostly Europeans
shareholders.
In 1865 Allahabad Bank was established and first time exclusively by Indians, Punjab
National Bank Ltd. was set up in 1894 with headquarters at Lahore. Between 1906
and 1913, Bank of India, Central Bank of India, Bank of Baroda, Canara Bank, Indian
Bank, and Bank of Mysore were set up. Reserve Bank of India came in 1935.
During the first phase the growth was very slow and banks also experienced periodic
failures between 1913 and 1948. There were approximately 1100 banks, mostly small.
To streamline the functioning and activities of commercial banks, the Government of
India came up with The Banking Companies Act, 1949 which was later changed to
Banking Regulation Act 1949 as per amending Act of 1965 (Act No. 23 of 1965).
Reserve Bank of India was vested with extensive powers for the supervision of
banking in India as the Central Banking Authority.
During those days public has lesser confidence in the banks. As an aftermath deposit
mobilisation was slow. Abreast of it the savings bank facility provided by the Postal
department was comparatively safer. Moreover, funds were largely given to traders.
Phase II
Government took major steps in this Indian Banking Sector Reform after
independence. In 1955, it nationalised Imperial Bank of India with extensive banking
facilities on a large scale specially in rural and semi-urban areas. It formed State Bank
of india to act as the principal agent of RBI and to handle banking transactions of the
Union and State Governments all over the country.
Seven banks forming subsidiary of State Bank of India was nationalised in 1960 on
19th July, 1969, major process of nationalization was carried out. It was the effort of
the then Prime Minister of India, Mrs. Indira Gandhi. 14 major commercial banks in
the country wasnationalised.
Second phase of nationalisation Indian Banking Sector Reform was carried out in
1980 with seven more banks. This step brought 80% of the banking segment in India
under Government ownership.
The following are the steps taken by the Government of India to Regulate Banking
Institutions in the Country:
 1949 : Enactment of Banking Regulation Act.

 1955 :Nationalisation of State Bank of India.
 1959 :Nationalisation of SBI subsidiaries.
 1961 : Insurance cover extended to deposits.
 1969 :Nationalisation of 14 major banks.
 1971 : Creation of credit guarantee corporation.
 1975 : Creation of regional rural banks.
 1980 :Nationalisation of seven banks with deposits over 200 crore.
After the nationalization of banks, the branches of the public sector bank India rose to
approximately 800% in deposits and advances took a huge jump by 11,000%.
Banking in the sunshine of Government ownership gave the public implicit faith and
immense confidence about the sustainability of these institutions.
Phase III
This phase has introduced many more products and facilities in the banking
sector in its reforms measure. In 1991, under the chairmanship of M
Narasimham, a committee was set up by his name which worked for the
liberalisation of banking practices.
The country is flooded with foreign banks and their ATM stations. Efforts are
being put to give a satisfactory service to customers. Phone banking and net
banking is introduced. The entire system became more convenient and swift.
Time is given more importance than money.
The financial system of India has shown a great deal of resilience. It is

sheltered from any crisis triggered by any external macroeconomics shock as
other East Asian Countries suffered. This is all due to a flexible exchange rate
regime, the foreign reserves are high, the capital account is not yet fully
convertible, and banks and their customers have limited foreign exchange
exposure.
PROFILE OF
HDFC BANK
HISTORY OF HDFC BANK
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.
PROMOTERS: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's mission is to be a World-Class Indian Bank. The objective is to

build sound customer franchises across distinct businesses so as to be the
preferred provider of banking services for target retail and wholesale
customer segments, and to achieve healthy growth in profitability, consistent
with the bank's risk appetite. The bank is committed to maintain the highest
level of ethical standards, professional integrity, corporate governance and
regulatory compliance.
HDFC Bank's business philosophy is based on four core values –

 Operational Excellence,
 Customer Focus,
 Product Leadership
 People.
CAPITAL STRUCTURE
As on 30th June, 2017 the authorized share capital of the Bank is Rs. 550
crore. The paid-up capital as on said date is Rs. 459,69,07,030/- (45,96,90,703
equity shares of Rs. 10/- each). The HDFC Group holds 23.63 % of the
Bank's equity and about 17.05 % of the equity is held by the ADS Depository
(in respect of the bank's American Depository Shares (ADS) Issue). 27.45%
of the equity is held by Foreign Institutional Investors (FIIs) and the Bank has
about 4,33,078 shareholders.
The shares are listed on the Bombay Stock Exchange Limited and The
National Stock Exchange of India Limited. The Bank's American Depository
Shares (ADS) are listed on the New York Stock Exchange (NYSE) under the
symbol 'HDB' and the Bank's Global Depository Receipts (GDRs) are listed
on Luxembourg Stock Exchange under ISIN No US40415F2002.
AMALGMATIONS
On May 23, 2008, the amalgamation of Centurion Bank of Punjab with HDFC
Bank was formally approved by Reserve Bank of India to complete the
statutory and regulatory approval process. As per the scheme of amalgamation,
shareholders of CBOP received 1 share of HDFC Bank for every 29 shares of
CBOP.
The merged entity will have a strong deposit base of around Rs. 1,22,000crore
and net advances of around Rs. 89,000 crore. The balance sheet size of the
combined entity would be over Rs. 1,63,000crore. The amalgamation added
significant value to HDFC Bank in terms of increased branch network,
geographic reach, and customer base, and a bigger pool of skilled manpower.
In a milestone transaction in the Indian banking industry, Times Bank Limited

(another new private sector bank promoted by Bennett, Coleman & Co. / Times
Group) was merged with HDFC Bank Ltd., effective February 26, 2000. This
was the first merger of two private banks in the New Generation Private Sector
Banks. As per the scheme of amalgamation approved by the shareholders of
both banks and the Reserve Bank of India, shareholders of Times Bank
received 1 share of HDFC Bank for every 5.75 shares of Times Bank.
MANAGEMENT
Mr. Aditya Puri has been appointed as the Chairman of the Bank with effect
from 6th July 2017 subject to the approval of the Reserve Bank of India and
the shareholders. Mr. Vasudev has been a Director of the Bank since October
2006.
The Managing Director, Mr. AdityaPuri, has been a professional banker for
over 25 years, and before joining HDFC Bank in 1994 was heading Citibank's
operations in Malaysia.
The Bank's Board of Directors is composed of eminent individuals with a

wealth of experience in public policy, administration, industry and
commercial banking. Senior executives representing HDFC are also on the
Board.
Senior banking professionals with substantial experience in India and abroad

head various businesses and functions and report to the Managing Director.
Given the professional expertise of the management team and the overall
focus on recruiting and retaining the best talent in the industry, the bank
believes that its people are a significant competitive strength.
TECHNOLOGY
HDFC Bank operates in a highly automated environment in terms of

information technology and communication systems. All the bank's branches
have online connectivity, which enables the bank to offer speedy funds transfer
facilities to its customers. Multi-branch access is also provided to retail
customers through the branch network and Automated Teller Machines
(ATMs).
The Bank has made substantial efforts and investments in acquiring the best
technology available internationally, to build the infrastructure for a world
class bank. The Bank's business is supported by scalable and robust systems
which ensure that our clients always get the finest services we offer.
The Bank has prioritised its engagement in technology and the internet as one
of its key goals and has already made significant progress in web-enabling its
core businesses.
DISTRIBUTION NETWORK
HDFC Main Branch

HDFC Bank is headquartered in Mumbai. The Bank at present has an
enviable network of 2000 branches spread in 996 cities across India.All
branches are linked on an online real-time basis. Customers in over 500
locations are also serviced through Telephone Banking. The Bank's expansion
plans take into account the need to have a presence in all major industrial and
commercial centres where its corporate customers are located as well as the
need to build a strong retail customer base for both deposits and loan
products. Being a clearing/settlement bank to various leading stock
exchanges, the Bank has branches in the centres where the NSE/BSE have a
strong and active member base.
The Bank also has 5,998 networked ATMs across these cities. Moreover,
HDFC Bank's ATM network can be accessed by all domestic and
international Visa/MasterCard, Visa Electron/Maestro, Plus/Cirrus and
American Express Credit/Charge cardholders.
March March March March March March
2012 2013 2014 2015 2016 2017

Citied 228 316 327 528 779 996
Branches 535 684 761 1412 1725 1986
ATM’S 1323 1605 1977 3295 4232 5471

BUSINESS PROFILE
HDFC Bank offers a wide range of commercial and transactional banking

services and treasury products to wholesale and retail customers. The bank has
three key business segments:
1.Wholesale Banking Services
The Bank's target market ranges from large, blue-chip

manufacturing companies in the Indian corporate to small &
mid-sized corporates and agri-based businesses. For these
customers, the Bank provides a wide range of commercial and
transactional banking services, including working capital
finance, trade services, transactional services, cash
management, etc. The bank is also a leading provider of
structured solutions, which combine cash management services
with vendor and distributor finance for facilitating superior
supply chain management for its corporate customers. Based
on its superior product delivery / service levels and strong
customer orientation, the Bank has made significant inroads
into the banking consortia of a number of leading Indian
corporates including multinationals, companies from the
domestic business houses and prime public sector companies.
It is recognized as a leading provider of cash management and
transactional banking solutions to corporate customers, mutual
funds, stock exchange members and banks.
2.Retail Banking Services
The objective of the Retail Bank is to provide its target market

customers a full range of financial products and banking
services, giving the customer a one-stop window for all his/her
banking requirements. The products are backed by world-class
service and delivered to customers through the growing branch
network, as well as through alternative delivery channels like
ATMs, Phone Banking, Net Banking and Mobile Banking.
The HDFC Bank Preferred program for high net worth

individuals, the HDFC Bank Plus and the Investment Advisory
Services programs have been designed keeping in mind needs
of customers who seek distinct financial solutions, information
and advice on various investment avenues. The Bank also has a
wide array of retail loan products including Auto Loans, Loans
against marketable securities, Personal Loans and Loans for
Two-wheelers.
It is also a leading provider of Depository Participant (DP)

services for retail customers, providing customers the facility
to hold their investments in electronic form.
HDFC Bank was the first bank in India to launch an

International Debit Card in association with VISA (VISA
Electron) and issues the Mastercard Maestro debit card as well.
The Bank launched its credit card business in late 2001.The
Bank is also one of the leading players in the “merchant
acquiring” business with over 90,000 Point-of-sale (POS)
terminals for debit / credit cards acceptance at merchant
establishments. The Bank is well positioned as a leader in
various net based B2C opportunities including a wide range of
internet banking services for Fixed Deposits, Loans, Bill
Payments, etc.
3.Treasury
Within this business, the bank has three main product areas -
Foreign Exchange and Derivatives, Local Currency Money
Market & Debt Securities, and Equities. With the liberalization
of the financial markets in India, corporates need more
sophisticated risk management information, advice and product
structures. These and fine pricing on various treasury products
are provided through the bank's Treasury team. To comply
with statutory reserve requirements, the bank is required to
hold 25% of its deposits in government securities. The
Treasury business is responsible for managing the returns and
market risk on this investment portfolio.
Financial results for the year ending march 2017
Profit & Loss Account: Year ended March 31, 2017
For the year ended March 31, 2017, the Bank earned total Income of Rs.
24,263.4 crores. For the year ended March 31, 2017, the Bank earned total
Income of Rs. 19,980.5 crores.Net revenues for the year ended March 31, 2017
were Rs.14, 878.3 crores, up by 20.3% over Rs. 24,263.4 crores for the year
ended March 31, 2017. The Bank’s Net profit for year ended March 31, 2017
was Rs.3, 926.4 crores, up 33.2%, over the year ended March 31, 2017.
Consolidated Net profit for the Bank increased by 32.9% to Rs. 3,992.5 crores
for the year ended March 31, 2017.
Balance Sheet: As of March 31, 2017
The Bank’s total balance sheet size increased by 24.7% from Rs.222,459crores
as of March 31, 2017 to Rs.277,353crores as of March 31, 2017. Total net
advances as of March 31, 2017 were Rs.159,983crores, an increase of 27.1%
over March 31, 2017. Total deposits were at Rs.208,586crores, an increase of
24.6% over March 31, 2017. Savings account deposits grew 27.2% over the
previous year to reach Rs.63, 448 crores, while current account deposits at
Rs.46,460crores, registered a growth of 24.8% over the same period. Adjusting
current account deposits for one-offs at year end the core CASA ratio was at
51% of total deposits as at March 31, 2017
Income and Net Profit (Crores)
30,000.00
25,000.00
20,000.00
15,000.00
Net Profit
10,000.00 Income
5,000.00
0.00
Explanation:
The chart shows an increase in HDFC BANK’S Income for the year ended
March 2017 fromRs. 19,980.5 crores in March 2017 to Rs. 24,263.4 crores in
March 2017.
Likewise, the chart also shows an increase in HDFC BANK’S Net Profit for
the year ended March 2017 fromRs. 2,948.7 crores in March 2017 to Rs. 3,
926.4 crores in March 2017.
The Bank’s Net profit for year ended March 31, 2017 up 33.2%, over the year
ended March 31, 2017.
HDFC BANK’S PRODUCT AT GLANCE
Saving Salary Current Fixed Demat
Accounts Accounts Accounts Deposits Account
Regular Payroll Plus Current Regular

Saving Account Fixed
Account Deposit
Saving Plus CLASSIC Trade 5 year Tax
Account Current Saving Fixed
Account Deposit
Saving Max Regular Premium Super Saver
Account Current Facility
Account
Senior Citizen Premium Regular Sweep-in
account Current Facility
Account
No Frill Defence RFC -
Account Domestic
Account
Institutional Flexi Current
Saving No Frill Account
Account Salary
Account
Reimburseme Apex
nt Current Current
Account Account
Kid’s Max Current
Advantage Account
Account
Pension
Saving Bank
Account
Family
Savings Group
Kisan No
Frills Savings
Kisan Club
Savings
VALUE
ADDED
SERVICES
(Hdfc bank)
VALUE ADDED SERVICES
Bank these days provide many services to the customers in addition to what
they are there for to make things more convenient and time saving. These are
called the VALUE ADDED SERVICES. They add value to the parent service
provided by the bank. These services are meant to make use of the actual
services more convenient.
FOR EXAMPLE: A customer having a bank account can take the advantage of
the international debit card for accessing the card from India as well from
abroad for shopping as well as for withdrawing money.
They are complementary to the actual services. Just as phone banking and net
banking. You can directly access your account through phone or internet. You
need not even visit the branch. These services basically attract the customers to
increase the dealings with bank and have more trust.
Value added services are in much demand these days as the customers are
aware and want to take full advantage of the services provided. There as to be a
constant up gradation of these services to meet the competition in the market.
VALUE ADDED SERVICES OFFERED BY HDFC BANK
1. Net Banking
2. Debit cards
3. Credit cards
4. Oneview
5. Mobile Banking
6. Insta Alerts
7. ATM
8. Phone banking
9. Email statement
10. Prepaid cards
1. NET BANKING
Net Banking is HDFC Bank's Internet Banking service. Providing up-

to-the-second account information, Net Banking lets you manage your
account from the comfort of your mouse - anytime, anywhere.
WHAT CAN ONE DO USING NET BANKING?
Our industry leading service provides a host of features at your finger-

tips:
 View Account Balances & Statements
 Transfer Funds between accounts
 Create Fixed Deposits Online
 Request a Demand Draft
 Pay Bills
 Order a Cheque BookRequest
 Stop Payment on a Cheque
 Request Stop Payment on a Cheque
FEATURES AND BENEFITS:

Internet Banking is the most convenient and powerful way to manage
your Account.
 Net Banking is Real Time, giving you up-to-the-second details

on your account.
 It can be accessed anytime, from anywhere, giving you
complete control over your finances
 There are no queues to stand in, or turns to wait for. With Net
Banking you are in control.
 HDFC Bank's Net Banking service is secure. Using industry-
standard technologies and infrastructures, our service gives you
peace of mind.
2. DEBIT CARDS
Different kind of debit cards offered by hdfc bank to its customers:
 EASY SHOP INTERNATIONAL DEBIT CARD
 EASY SHOP INTERNATIONAL DEBIT CARD
 EASY SHOP PLATINUM DEBIT CARD

 EASY SHOP TITANIUM DEBIT CARD
 EASY SHOP WOMEN’S ADVANTAGE DEBIT CARD
 EASY SHOP INTERNATIONAL BUSINESS DEBIT CARD
 EASY SHOP NRO DEBIT CARD

Features and benefits of different DEBIT CARDS:
A. EASY SHOP INTERNATIONAL DEBIT CARD

The HDFC Bank EasyShop International Debit Card brings to you a
World of convenience.
FEATURES AND BENEFITS:

 Daily Limits
Rs 25,000 at ATMs for Withdrawal and Rs 40,000 at merchant
establishments for shopping.
 Access your bank account at over 8,00,000
Visa/Master/Maestro/Cirrus ATMs in India and abroad.
 0 % petrol surcharge at select BPCL Petrol pumps
As a Debit Card holder, any surcharge levied on your Card at select
BPCL petrol pumps would be reversed in the subsequent month.
 Shop
At more than 3,50,000 outlets in India and 13 million worldwide.
The amount is debited directly to your account.
 Use your card overseas
Your account is debited in Rupees regardless of the currency in
which you spend.
 Zero Liability on fraudulent Point Of Sale usage on lost or stolen
cards.
 Now get an Alert on your mobile phone or email
For every purchase transaction done using your Debit Card.
B. EASY SHOP INTERNATIONAL DEBIT CARD
HDFC Bank Easy Shop Gold Debit Card not only replaces your ATM /
Regular Debit Card, it also opens a world of privileges that match your
status and lifestyle.
FEATURES AND BENEFITS

 Daily Limits
Rs.50,000 at ATMs for Withdrawal and Rs. 75,000 at merchant
 Cash Back
For every Rs. 100 that you will spend, you will receive Re. 1 as
cash back.
 0 % petrol surcharge at Petrol pumps
As a Gold Card holder, any petrol surcharge levied on your Card
at any petrol pump in India will be reversed in the subsequent
month.(upto a maximum of Rs 750.00 per month per card ).
 Insurance cover
The following are included in the insurance covers:
1. Death Cover by Air / Road / Rail - Sum assured Rs. 5,00,000
2. Fire & Burglary for the items purchased under Debit Card
(upto 6 months) - Sum assured Rs. 50,000
3. Loss of checked baggage - Sum assured Rs. 20,000
4. With effect 1st March 09, for Claims under Personal Accident
Insurance / Fire & Burglary Insurance/ Loss of checked
baggage Insurance to be accepted & processed, the cardholder
should have carried out at least 1 purchase transaction using
the Debit Card, within 6 months prior to the event date.
 Exclusive offers at premium outlets
Special Offers for our EasyShop Gold Debit Card customers in
association with Visa and MasterCard will be provided form time
to time.
C. EASY SHOP PLATINUM DEBIT CARD
HDFC Bank Easy Shop Platinum Debit Card not only replaces your
ATM / Regular Debit Card, it also opens a world of privileges that
match your status and lifestyle.

 Daily Limits
Rs.1 lakh at ATMs for Withdrawal and Rs. 1.25 lakh at merchant
 Cash Back
For every Rs. 100 that you will spend, you will receive Re. 1 as
cash back.
As a Platinum Debit Card holder, any petrol surcharge levied on
your Card at any petrol pump in India will be reversed in the
subsequent month.(upto a maximum of Rs 750.00 per month per
card )
 Insurance cover
1. Death Cover by Air / Road/Rail - Sum assured up to. Rs
10,00,000.
(upto 6 months) - Sum assured Rs. 50,000
3. Loss of checked baggage - Sum assured Rs. 20,000
4. For any Claims under Personal Accident Insurance / Fire &
Burglary Insurance/ Loss of checked baggage Insurance to be
accepted & processed, the cardholder should have carried out
at least 1 purchase transaction using the Debit Card, within 3
months prior to the event date.
 Exclusive offers at premium outlets
Special Offers for our EasyShop Platinum Debit Card customers
in association with Visa will be provided from time to time.
 Concierge Services
Get the best in lifestyle, dinning and events with the HDFC Bank
Platinum Concierge Services. Just call the Concierge hotline
1800 119494 (only through MTNL/BSNL lines) or Delhi no:011-
26931828 for assistance on any of the below mentioned services:
1. Dining Referral and Reservation Assistance

2. Flower & Gift Delivery
3. Movie Tickets
4. Electrical & Electronic Gadget Repair Assistance
5. Pest Control Assistance
6. Home Cleaning Assistance
7. Referral of Crèches in India
 POS Alerts
Now get an Alert on your mobile phone or email for every
purchase transaction done using your Debit Card at a merchant
outlet !!
D. EASY SHOP TITANIUM DEBIT CARD
Your Easy Shop Titanium Debit Card brings to you a world of
convenience. Now you can shop, dine, pay bills, and do much more
using your EasyShop Titanium Debit Card.
It is specifically designed for customers having a salary account with
HDFC Bank. You get a complete range of features like petrol surcharge
waiver at all petrol pumps in India and zero liability. Not to mention that
you can use this Card to withdraw cash at any of the Master/Cirrus
ATMs around the world.

 Daily Limits
Rs.50,000 at ATMs for Withdrawal and Rs. 75,000 at merchant
establishments for shopping..
As a Easy Shop Titanium Debit Card holder, any petrol surcharge
levied on your Card at any petrol pump in India will be reversed
in the subsequent month( up to a maximum of Rs 750.00 per
month per card ).
This waiver is valid for all the petrol pumps across the country.
 Zero Liability on fraudulent Point of sale usage on lost or
stolen cards
If it's not your purchase you don't have to pay for it! Your Easy
Shop Titanium Debit Card is safer than ever.
 Special alliances by Master
Special partner programs in the form of value-adds / special
privileges / discounts from premium outlets for our Easy Shop
Titanium Debit Card customers in association with Master will
be provided from time to time.
 Airport Lounge access offer
The card also gets you complimentary access to Clipper lounges
at airports across India.
 Golf Access offer
Enjoy complimentary access and discounts of up to 50% on green
fees all year round at 16 of India’s best golf courses.
E. EASY SHOP WOMEN’S ADVANTAGE DEBIT
CARD
HDFC Bank Easy Shop Woman's Advantage Debit Card is India's first
Woman's Debit Card of its kind. Not only does it replace your ATM
card, it also opens a world of privileges that match your status and
lifestyle.

 Cash Back of Re. 1 for every Rs. 200 spent
For every Rs. 200 that you will spend , you will receive Re. 1 as
cash back .This cash back is valid on all purchases made through
the card.
 Entertainment assistance :
1. Movie Tickets
2. Flower & Gift Delivery
3. Movie Tickets
 Home assistance:
1. Electrical & Electronic Gadget Repair Assistance
2. Home Cleaning Assistance
3. Pest Control Assistance
 50% discount on locker fee
You will be entitled to a 50% discount on locker fee for the 1st
year. One card One locker.
 Special discount on purchase of Gold Bars
 Zero Liability
You will not have any liability to any fraudulent Point of Sale
transactions on the debit card, which take place upto 30 days
prior to reporting the card loss.
 Free Bill Pay
You will not be charged for Bill Pay Service, normally
chargeable at Rs. 100 p.a.
 Daily Limits
Rs. 25,000 at ATMs for Withdrawal and Rs. 40,000 at merchant
F. EASY SHOP INTERNATIONAL BUSINESS DEBIT
CARD
We understand what it takes to build, drive and sustain a business.
Keeping in mind the needs of your business, we introduce the Easy
Shop Business Debit Card. This Card combines business benefits with
shopping delight.

 Cash Back of Re. 1 for every Rs. 200 spent
For every Rs. 200 that you will spend , you will receive Re. 1 as
cash back .This cash back is valid on all purchases made through
the card.
 POS Alerts
Now get an Alert on your mobile phone or email for every
purchase transaction done using your Debit Card at a merchant
outlet .
 Special Alliances by MasterCard
Special partner programs in form of value adds/ special
privileges/ discounts from premium outlets and office related
products.
 Higher Daily Limits
Rs. 50,000 at ATMs for Withdrawal and Rs. 75,000 at merchant
As a Business Debit Card holder, any petrol surcharge levied on
your Card at any petrol pump in India will be reversed in the
subsequent month ( up to a maximum of Rs 750.00 per month per
card ).
 Zero Liability on fraudulent Point of sale usage on lost or
stolen Cards
If it's not your purchase you don't have to pay for it!! Your Debit
Card is safer than ever.
 Insurance cover
(upto 6 months) - Sum assured Rs. 2,00,000.
2. Loss of checked baggage - Sum assured Rs. 1,00,000
G. EASY SHOP NRO DEBIT CARD
 Daily Limits
Rs. 25,000 at ATMs for Withdrawal and Rs.40,000 at merchant
 Domestic Validity
The Debit Card can be used only in India to make purchases at
Merchant locations and withdraw local currency at ATMs. The NRO
Debit Card can be used at the following locations
3. HDFC Bank ATMs for all ATM transactions.
4. Non HDFC Bank ATMs in India for Balance Inquiry and Cash
Withdrawal only.
5. Merchant Locations in India for Purchases / Shopping.
 Zero Liability
Zero liabilityon fraudulent Point Of Sale usage on lost or stolen cards.
 Now get an Alert on your Mobile phone or email
For every purchase transaction done using your Debit Card at a
merchant outlet.
3 CREDIT CARDS
Different kind of debit cards offered by hdfc bank to its customers:
 SILVER CREDIT CARD
 VALUE PLUS CREDIT CARD
 GOLD CREDIT CARD
 TITANIUM CREDIT CARD

 WOMEN’S GOLD CREDIT CARD
 PLATINUM PLUS CREDIT CARD
 VISA SIGNATURE CREDIT CARD
 CORPORATE PLATINUM CREDIT CARD

 BUSINESS GOLD CREDIT CARD
 PURCHASE CARD
 DISTRIBUTOR CARD
Features and benefits of different Credit Cards:
A. SILVER CREDIT CARD

The best features you could ask for in a credit card Combined with all the
services offered by a world-class bank.
Get all with the HDFC Bank International Silver Credit Cards.

 All-purpose credit card
The HDFC Bank Silver Credit Card can be used for all your
requirements, be it shopping, eating out, holidaying, fuelling up your
vehicle, railway ticket reservations - just about any financial
requirement, planned or on impulse.
 Add-on cards
Get up to 3 add-on cards for your spouse, parents, siblings (own
brother/sister), son and/or daughter (over 18 years) and allow them to
enjoy the many benefits of the HDFC Bank International Silver Credit
Card
 Zero liability on lost card
If you happen to lose your Card, report it immediately to our 24-hour
call centre. After reporting the loss, you carry zero liability on any
fraudulent transactions on your card.
 Widely accepted
Accepted at over 110,000 merchant establishments across India and
Nepal and close to 18 million merchant establishments around the
world.
B. VALUE PLUS CREDIT CARD
It's power packed with a host of unmatched features that provides your family
with true Value and savings.

 Worldwide acceptance
The HDFC Bank International Value Plus Credit Card is accepted at
over 23 million Merchant Establishments around the world, including
110,000 Merchant Establishments in India.
 Cash Advance
Just step into any one of our ATMs or VISA Member ATMs and
withdraw cash up to 10% of your credit limit at a very nominal charge
(Please refer to the Schedule of charges).
 Interest Free Credit Period
Your Card now gets an Interest Free Credit Period of up to 50 days from
the date of purchase (subject to the submission of the charge by the
Merchant). Subsequently, if you carry forward your outstanding balance
you just pay a nominal interest of 3.25% per month.
 Value Plus Cash back- Anytime Anywhere
Use your Value Plus Credit Card anywhere anytime during the year and
avail up to 5% cash back on retail spends.
Category Cashback *
Railway, Hospitals, Medical stores 5%
Grocery, Dept Stores, Supermarket, Restaurants 1.50%
C. GOLD CREDIT CARD

Accepted at over 23 million Merchant Establishments around the world,
including 110,000 Merchant Establishments in India.
 Attractive Reward Points
Earn 1 Reward Point for every Rs.150 for spends up to Rs. 20,000 per
statement cycle. For incremental spends above Rs. 20,000 in a statement
cycle, earn 50% more Reward Points i.e. 1.5 Reward Points per Rs. 150.
 Rewards points redemption
After earning all those reward points on your HDFC Bank Gold Credit
Card, redeem them for exciting gifts and services
 Interest free credit facility
Avail of up to 50 days of interest free period from the date of purchase
(subject to the submission of the charge by the Merchant).
 Free Add-on card
You can share these wonderful features with your loved ones too - we
offer the facility of an add-on card for your spouse, children or parents.
Allow us to offer add-on cards to you FREE OF COST with our
compliments.
 Revolving credit facility
Pay a minimum amount, which is 5% (subject to a minimum amount of
Rs.200) of your total bill amount or any higher amount whichever is
convenient and carry forward the balance to a better financial month.
For this facility you pay a nominal charge of just 3.25% per month
(39.0% annually).
D. TITANIUM CREDIT CARD
 Titanium Rewards
Earn 2 Reward Points for every Rs.150 for spends up to Rs. 35,000 per
cycle, earn 50% more Reward Points i.e. 3 Reward Points per Rs. 150.
 Zero petrol surcharge
You can now fuel up as and when you want, without worrying about the
surcharge - enjoy complete freedom from fuel surcharge when you
purchase fuel between Rs 400 and Rs 5000 with your HDFC Bank
Titanium Credit Card.
 Revolving Credit Facility
You can enjoy the Revolving Credit Facility of the Titanium Credit
Card at an interest rate of 3.15% per month.
E. WOMEN’S GOLD CREDIT CARD
 Attractive rewards programme
Earn 1 Reward Point for every Rs.150 for spends up to Rs. 20,000 per
cycle, earn 50% more Reward Points i.e. 1.5 Reward Points per Rs. 150.
(39% annually).
 Wide choice of redemption
My Rewards gives you an array of redemption opportunities for your
Points - From microwaves to refrigerators, from Barbie dolls to latest
Fashion labels, we take pride in giving you one of the widest options for
getting rewarded! You can also redeem your accumulated reward points
for air miles on leading airlines like Jet Airways, Air India, Kingfisher
Airlines .
F. PLATINUM PLUS CREDIT CARD
India’s only ‘Platinum Plus’ credit card. A premium offering with fuel
surcharge waiver & attractive Reward Points

 Attractive rewards programme
Earn 2 Reward Points for every Rs.150 for spends up to Rs. 50,000 per
cycle, earn 50% more Reward Points i.e. 3 Reward Points per Rs. 150.
 0% Fuel surcharge
You can now fuel up as and when you want, without worrying about the
surcharge - enjoy complete freedom from fuel surcharge when you
purchase fuel between Rs 400 and Rs 5000 with your Platinum Plus
Credit Card.
You can enjoy the Revolving Credit Facility of the Platinum Plus Credit
Card at an interest rate of 3.15% per month.
 Free Add-on card
You can share these wonderful features with your loved ones too. We
offer up to 3 life time free add-on cards to your spouse, children (above
18 years of age), parents, brother or sister.
 Utility bills through your credit card
Register your Platinum Plus Credit Card with Smart Pay, HDFC Bank's
Utility Bill payment service.
G. VISA SIGNATURE CREDIT CARD
A super premium credit card with special benefits & privileges in India &
abroad.

 Signature Access
Don't let airport transfers wear you out. HDFC Bank Visa Signature
Credit card entitles you a Priority pass that provides you access to
exclusive airport lounges across the world. Priority Pass is the world's
largest independent airport lounge program, which gives the cardholder
access to more than 500 airport lounges in more than 275 cities
worldwide.
 Signature Rewards
What does one reward a connoisseur for? We reward them for their
passion, refinement, taste and experience. The rewards range from
exotic to interesting to measurable. All yours with a powerful Rewards
Program. Earn 2 Reward Points for every Rs.150 spent on your card and
50% more Reward Points (i.e total 3 Reward Points) for every Rs. 150
spent above Rs. 75,000 per statement cycle.
Experience the power of the HDFC Bank Visa Signature Credit Card.
 Signature Benefits
Superiority of HDFC Bank Visa Signature Credit Card is evident even
in everyday use. You also enjoy an interest free period upto 50 days, the
lowest interest rate of 3.05% on revolving credit facility (36.6%
annually)# and petrol surcharge waiver of 2.5% across all petrol pumps
in the country. Enjoy the world at your fingertips.
H. CORPORATE PLATINUM CREDIT CARD
HDFC Bank Corporate Platinum Card is a premium offering to provide you
with truly world beating features on your credit card.

CORPORATE FEATURES
 24x7 online MIS availablity.

 Substantial savings for the business through better negotiations with
airlines, hotel chains and other service providers.
 Streamlines accounting procedures by consolidating transaction data
from around the world.
 Helps in minimising paperwork and simplifying reconciliation and
compliance tasks.
CARD HOLDER FEATURES
 My rewards
Earn up to 2 reward points for every Rs.150 spent on the card.
Earn up to 4 reward points for every Rs.150 spent on international
transactions
 Petrol Surcharge Waiver
Offering 0% surcharge on petrol spends across all petrol pumps for
transactions between Rs. 400 to Rs.5000 only.
Up to 50 days interest free period on your card.
 Protection Through Insurance
To show how much we care, we have provided accident insurance cover
up to 10 lacs on air travel and 3 lacs on rail/road travel.
 Privileges Access to Clipper Lounges across India provided by
MasterCard.
I. BUSINESS GOLD CREDIT CARD
The HDFC Bank International Business Gold Card is designed to add value to
your business, while keeping in mind the conveniences and lifestyle benefits
for BUSINESS OWNERS and the SELF EMPLOYED community
specifically.

 Higher Credit limit
Get up to Rs.10lacs as credit limit on the card basis the company /
business financials.
(39.0% annually).
Accepted at over 23 million Merchant Establishments around the world,
including 110,000 Merchant Establishments in India.
 Cash at your fingertips
In a situation where you need cash, just step into any one of our ATMs
or MasterCard Member ATMs and withdraw cash upto 30% of your
credit limit at a very nominal charge.
 Attractive Business Savings
Save on your business related spends with our unique features and
extensive partner tie-ups. These smart features include
HDFC Bank
Estimated Annual Business
Spend category Business Gold
Expenses Savings Rs.
Card Offer
Air ticket 6 Air tickets @ Rs.5000 1% Cashback * 300

per ticket (Total
Rs.30000)
Utility Bill Payments Rs.40000 1% Cashback * 400

(e.g. Electricity Bill,
Telephone Bill etc.)
Rail ticket booked 6 Rail tickets @ Surcharge waiver 108

throughwww.irctc.co.in Rs.1000 per ticket *
(Total Rs.6000)
Petrol Rs.48000 Surcharge waiver 1200
Total Rs. 124000 Rs.2008

J. PURCHASE CARD
The HDFC Bank Purchase Card is a credit card solution given to corporates by
HDFC Bank to facilitate quick payments for business expenses for corporates
and their employees. It helps the corporate manage business expenses and
makes purchase transactions smoother by eliminating the hassles of cash and
cheque payments. It can be used only for official business expense purposes
and records all purchase transactions made by employees.
The HDFC Bank Corporate Purchasing Solution helps reduce purchasing costs
Considerably as follows:
 Eliminates the delay and cost of traditional purchase transactions.

 Enables effective control to track and manage spending.
 Automates purchase process for easy account management.

 Reduces transaction processing time, cost of high volume and low value
transactions for the Corporate.
 Streamlines the payment process and enables account management
control.
 Reduces the cost of goods by consolidating the supplier base and
negotiating more favorable pricing from preferred suppliers.
 Minimizes risks associated with fraud, forgery and theft through a
secure, totally mechanized card programme.
 Provides online expense management solutions - minimizing paperwork
and simplifying reconciliation.
K. DISTRIBUTOR CARD
The Distributor card is a credit card issued by HDFC Bank to the distribution
network of large Corporates This is a closed user group program guaranteed by
the company .Such programs are sponsored by the company to help manage
the fund flow from the distribution network better and thus reduce average
receivable period. It eliminates the use of cheques and cash and speeds up the
turnaround time of transactions.

 Improved cash flow management and reduction in average receivable
period for corporate.
 Convenient mode of payment.
 Easy reconciliation of transactions for both corporate as well as
distributors.
 Increased off take from the distribution network.
 Program customizable as per corporate requirement.
4. ONEVIEW
OneView is a revolutionary service from HDFC Bank that allows you to
manage multiple accounts in different banks through one single online
interface.
If you are an HDFC Bank customer and have one or more accounts with
Citibank, ICICI Bank, HSBC India, Standard Chartered Bank then OneView is
just right for you.
 No need to individually log on to internet banking of every account. Just

log on to One View and manage upto FIVE accounts in different banks.
 Remember only ONE password.
 No charges whatsoever - Enjoy this convenience, absolutely FREE!
HOW SECURE IS ONEVIEW?
OneView gives you the world class banking security and technology
sophistication you'd expect of HDFC Bank, with features such as:
 Robust firewall protection makes it nearly impossible to break through.
 All information is transmitted using advanced 128 bit Secure Socket
Layer (SSL) encryption technology.
 Automatic time-outs ensure that your account details are not viewed by
others.
 You can only view your accounts and cannot transact, so your money is
absolutely safe.
WHAT CAN YOU DO WITH ONEVIEW?

 Current/Savings account balances
 Current/Savings account transaction history
 Fixed deposit summary
 Saving/Fixed deposit summary
 Citibank Credit Card
 Citibank Credit Card transaction history
5. MOBILE BANKING
Your Mobile is now your bank! Now access your bank account and conduct a
host of banking transactions through your mobile, with our unique Mobile
Banking service. You can check your account level information such as
balance details, mini statement, cheque status as well as carry out financial
transactions such as Funds Transfer using HDFC Bank Mobile Banking
service.
FEATURES
Using our Mobile Banking service, you can avail of a host of features at your
Finger tips:
 Perform funds transfers

 Get your balance details
 Obtain your last 3 transaction details
 Request a cheque book
 Stop a cheque payment
 Enquire cheque status
 Request an account statement
 Get Fixed Deposit details
 Request for I-PIN generation
 Request a cheque book
HOW SECURE IS MOBILE BANKING?

 As an ngpay subscriber, for your security you will need to enter your
unique 6-digit PIN, every time you make a payment transaction.This
PIN is the one selected by you at the time of ngpay registration process.
 One of the most secure and safe way to transact, ngpay transactions
offer security levels similar to ATM Transactions
 This PIN number is NOT stored on your handset, so hacking your stolen
handset will not put you at risk
 ngpay Wallet is a tamper-proof digital wallet on your phone and it stores
your Bank account / card details in an encrypted form.
6. INSTA ALERTS
Now you can get regular updates on your bank account on your mobile phone
or email ID.
Just register for our InstaAlert service and receive updates on your account as
and when the select transaction happens - all this without visiting the branch or
ATM!
You can register for any or all of the following alerts:
 Debit transactions greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs.
50,000
 Credit in account greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs.
50,000
 Account Balance below Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000-
 Weekly account balance
 Salary Credits
 Utility bill payment due Alert.
To register for InstaAlert, all you need is a Saving or Current account (Sole
Proprietorship/Partnership/Other Corporate) with HDFC Bank. Both Resident
and Non Resident Indians are eligible.
7. ATM
HDFC customer can enjoy ATM benefits.With wide spread network of 5,998
ATMs across India, enjoy the following benefits at your convenience.
 24-hour access to Cash

Withdraw up to Rs.15, 000/- per day on your ATM Card and up to Rs.
25,000 on your Debit Card.
 Personalised Cash Withdrawals
Save time on your cash withdrawal transactions by pre-setting your
preferred language / account / amount.
 View Account Balances & Mini-statements
Get details of the last 9 transactions on your account with the mini-
statement, along with your account balance.
 Change ATM PIN
Change your ATM PIN at any given point in time.
 Order a Cheque Book / Account Statement
 HDFC Bank Credit Card Payment
Make payment of your HDFC Bank Credit Card dues using the ATM.
The primary account of your Debit / ATM card will be debited.
 Deposit Cash or Cheques
Deposit Cash or Cheques into your account without visiting the Branch.
Available at Non-Branch HDFC Bank ATMs.
Transfer money between your accounts. Both accounts must be linked
to your ATM / Debit Card. Maximum of 16 A/cs (Savings / Current)
can be linked to a card.
 Refill your Prepaid Mobile
Refill your prepaid mobile using Prepaid Mobile Refill service
instantly.
 Pay your Utility Bills
Pay your mobile, telephone and electricity bills through the ATM using
BillPay, a comprehensive bill payments solution.
 Cheque Status Enquiry
Get information about status of the cheque issued from your account.
 NetBanking Password Request
Request for your NetBanking Password (IPIN) and the same will be
dispatched to your recorded mailing address.
There are no charges levied for use of other Bank cards on HDFC Bank
ATMs For cash withdrawals and balance inquires.
8.PHONE BANKING
Phone Banking services are a combination of IVR and Agent offering,
depending on the type of transaction. For all transactions that cannot be
completed on the IVR such as reporting loss of cards, logging complaints,
requests & queries, Phone Banker-assisted services are available.
Avail the following service via phone Banking:
 Check your account balance

Get up-to-the-second details of your Savings or Current Accounts and
your Fixed Deposits. You can also get the details of the last 5
transactions on your account, or have a mini statement of last 15
transactions faxed across to you
 Enquire on the cheque status
You can use PhoneBanking to check on the status of cheques issued or
deposited from anywhere in India.
 Order a Cheque Book / Account Statement
Just call PhoneBanking and get your Cheque Book or latest Account
Statement delivered at your doorstep.
 Stop Payment
Stop payment of a single cheque or a series of cheques, 24 hours a day.
 Loan Related queries
Get details of the outstanding loan amount, enquire about your loan
account, request for an interest certificate and repayment schedule, etc.
Just call PhoneBanking in your city, select your preferred language and
dial 4 to speak to our PhoneBanker.
 Demat Related Queries
Get details of Account holding, Transaction details, ISIN Number of a
scrip, status of Depository Slips, Client Master list details, Charges for
the account and others. Call PhoneBanking in your city, select your
preferred language & dial 5 to speak to our PhoneBanker.
 Open a Fixed deposit
Talk to our PhoneBanker to open a Fixed Deposit over the phone, by
simply authorising a transfer of funds from your Savings Account.
You can also transfer money from one of your accounts to another. Both
accounts must be linked to your Customer ID. You can transfer amounts
uptoRs 1 Lac in a single day.
 Pay your bills
Pay your cellular, telephone, electricity bills through PhoneBanking
using BillPay, a comprehensive bill payments solution.
 Re-generation requests for ATM / Debit card PIN /
NetBankingIPIN,etc
Call Phone Banking in order to regenerate your ATM / Debit card PIN /
Net BankingIPIN,etc.
 Report loss of your ATM / Debit / Prepaid Card
If your ATM / Debit / Prepaid Card is lost, call any PhoneBanking
number to hotlist / block your card(s).
 Learn about all our other products
Get details on HDFC Bank products & services by talking to our
PhoneBanker.
 Enquire about latest Interest / Exchange rates
Get latest Interest rates on Deposits and Foreign Exchange rates by
talking to our PhoneBanker.
 Request a Demand Draft / Manager's Cheque
Call PhoneBanking and get a Demand Draft / Manager's Cheque
delivered to your doorstep.
9. EMAIL STATEMENT
HDFC Bank introduces Email Statements for all its Savings & Current account
holders.
The good news is, you can now receive your statements via email without any
delays. You also have the option to maintain the statement on email, print it or
save it on a CD.
Essentially, you will receive the same information you would normally receive
by mail, but now at the click of a button.
 Email Statements are FREE.

 f you have a savings account you will get monthly Email Statements.
 If you have a current account you can opt for daily / weekly /
monthly Email Statements
 Physical statements will be discontinued if you opt for Email
Statements.
 Email Statements will follow a staggered cycle, based on the date of
account opening.
 Even if you are registered for hold mails, you can opt for Email
Statements.
 Get information on our new products and mandatory information online.
 Customers covered under Imperia, Preferred and Classic programmes
will receive Combined Email statement for all accounts (across Savings,
Current and Fixed Deposits) linked to the Primary Customer Id .
10. PREPAID CARDS

Different kind of Prepaid cards offered by hdfc bank to its customers
 FOREX PLUS CARD
 GIFT PLUS CARD
 FOOD PLUS CARD
 MONEY PLUS CARD
Features and benefits of different Prepaid Cards:

A. FOREX PLUS CARD
When you travel abroad, leave your worries behind.
HDFC Bank brings you the ForexPlus Card - a pre-paid traveller's card
designed to give you a secure and hassle-free travel experience.
No more chasing moneychangers. Or paying transaction charges for shopping

abroad. The Forexplus card is ideal for travelers since it can be hotlisted if
stolen & reloaded, while you are still abroad! In fact, it is the perfect answer to
all your foreign exchange needs.
FOREX CARD IS:
 Accepted at all Visa/ Mastercard Merchant outlets worldwide

 Can be used to withdraw cash at all VISA / MASTERCARD ATMs
worldwide
 Reloadable at all HDFC Bank branches, even when the cardholder is
abroad
 Available in Australian Dollar, AED (Dirhams), Canadian Dollar, Euro,
Japanese Yen, Singapore Dollar, Sterling Pound, Swiss Franc and US
Dollar Currencies
 Comes with a Personal Accident Insurance Cover of Rs 2 lacs
 Includes Loss of Checked Baggage Cover up to Rs. 20,000 and
Passport Reconstruction Cover (actual cost of passport reconstruction
only).
 Addon card facility available

The primary card can be hotlistedincase of loss and balance can be
transferred to the issued add on card.
 Online usage allowed (E-com transactions)
The card can also be used for online purchases / transactions eg. To pay
bills, buy air tickets, do purchases when abroad etc
 Online usage allowed (E-com transactions)
The card can also be used for online purchases / transactions eg. To pay
bills, buy air tickets, do purchases when abroad etc
 Safer and more secure
This card is accepted at all Visa/ Mastercard Merchant outlets and 24
hour VISA/ Mastercard ATMs worldwide. So no more carrying the
bulk of cash or travellers' cheques. And no more hassle of chasing
money changers, paying commissions and tracking expenses. Your
Card is protected against misuse at ATMs with a PIN. In case your card
gets lost or stolen, all you have to do is call HDFC Bank PhoneBanking
Numbers immediately and report the loss of your card or Log on to the
online facility for Prepaid Cards on www.hdfcbank.com and hotlist
your ForexPlus Card.
 Ease of tracking
Get online access to your card account and track your spends, check
your balance, Change your IPIN and log an online request for PIN
change. What more, we'll also send you a statement of account to your
mailing address at the end of every month during which any card
transaction takes place.
 Insurance Cover
Enjoy a travel experience free of financial worries with card insurance
covers such as Personal Accident Insurance (Death cover only) of
Rs.2,00,000, loss of checked baggage cover uptoRs.20,000 and passport
reconstruction cover (actual cost of passport reconstruction only).
 Available in Australian Dollar, AED (Dirhams), Canadian Dollar, Euro,
Japanese Yen, Singapore Dollar, Sterling Pound, Swiss Franc and US
Dollar Currencies.
B. GIFT PLUS CARD

Walk into any HDFC bank branch and walk away with a loaded Gift card,
ready to be gifted and used!
The card has been packaged to suit any gifting occasion and is available for
any denomination of your choice. It gives gifting the personal touch that we all
desire and also gives the beneficiary the freedom to choose the way they want
to use it!
So go ahead, visit any bank branch and gift this unique gift to your relatives,
friends, colleagues...anybody that you ever gift!
 More personal than cash

This card with its occasion-based packaging is more personal than cash,
as it reflects the thought and effort that has gone behind the gift.
 Freedom of choice
While the card is more personal than cash, it also allows the cardholder
(the beneficiary ) the freedom to choose their own gift. Shop , dine,
party - the cardholder can use the card just the way he/she wants. This
is the freedom this card gifts the user.
 Ease of usage
GIFT PLUScard is a Visa card and can hence be used at any Visa
affiliated merchant outlet in India.
 Ease of tracking
GIFT PLUS card has an ATM PIN and also an IPIN in the card kit.
The ATM PIN allows the card holder the access to any HDFC Bank
ATM for balance enquiry on the card. The IPIN gives further access
even to the transaction history. The card holder can use this option and
even
download the usage statements. Also, the cardholder can call up the
local Phone Banking number for any further query.
C. FOOD PLUS CARD

HDFC Bank brings you the most convenient way of giving regular meal
allowances to your employees...
 Personalised Visa Card

 Card can be reloaded as per the corporate's instruction
 Card can be used at all Visa "Food & Beverage" merchant outlets in
India
 If lost, the Card can be hotlisted to protect the value on the Card
 Balance Inquiry is allowed at all HDFC Bank ATMs
 NetBanking access to every Card account
 24 X 7 access to PhoneBanking
 Card Statement for tracking the usage
ADVANTAGES OVER PAPER BASED VOUCHERS

FoodPlus Card Paper based Meal Vouchers
One time distribution of Cards and Physical distribution and reconciliation
monthly reload through an upload every month - a concern for both, the
corporate and the employee
A Card Plastic like a Credit or a Debit The Voucher booklet is bulky and thus,
Card, and therefore easier to handle and difficult to carry in a wallet
use
Online access to card a/c through Prepaid Usage needs to be tracked manually. No
Card NetBanking and HDFC Bank support for the same
PhoneBanking (24*7)
Can be hotlisted and the residual balance Once lost or damaged, value is gone
transferred to a reissued Card forever
Accepted at all Visa food and beverage Vouchers have a limited geography where
merchant outlets in India they can be utilized
D. MONEY PLUS CARD

A Corporate Payment Card, designed to offer a convenient and secure solution
to both the Corporate and their employees/business partners.
The card can be issued, loaded and administered by the Corporate from its
desktop. Yes, it is as convenient as that!
 Personalised Visa Card

 Card can be loaded as per the corporate’s instructions.
 Cash withdrawal at all Visa ATMs in India
 Purchases at all Visa merchant outlets in India
 Balance inquiry at all Visa ATMs
 24 X 7 access to Card account through NetBanking / PhoneBanking .
 Periodic card statement for tracking the usage
 If lost, the card can be hotlisted through Prepaid card net or by calling
PhoneBanking and reissued.
AWARDS AND ACHIEVEMENTS

MD Mr. AdityaPurireceives the Bloomberg UTV Best Bank award from the Union
Finance Minister, Mr. Pranab Mukherjee.
HDFC Bank began operations in 1995 with a simple mission: to be a"World-class

Indian Bank". We realised 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.
It is extremely gratifying that our efforts towards providing customer convenience

have been appreciated both nationally and internationally.
2017
Asian Banker Strongest Bank in Asia Pacific
BloombergUTV's Best Bank

Financial
Leadership
Awards 2017
IBA Banking Winner -

Technology 1) Technology Bank of the Year
Awards 2017 2) Best Online Bank
3) Best Customer Initiative
4) Best Use of Business Intelligence
5) Best Risk Management System
Runners Up -
Best Financial Inclusion
IDC FIIA Awards Excellence in Customer Experience

2017
SWOT ANALYSIS OF HDFC BANK
Strengths :
1. Right strategy for the right products.
2. Superior customer services vs. competitors.
3. Great Brand Image.
4. Products have required accreditation.
5. High degree of customer satisfaction.
6. Good place to work
7. Lower response time with efficient and effective service.
8. Dedicated workforce aiming at making a long-term career in the field.
Weakness :
1. Some gaps in range for certain sectors.
2. Customer service staff need training.
3. Processes and systems, etc
4. Management cover insufficient.
5. Sectoral growth is constrained by low unemployment levels and competition
for staff.
Opportunities :
1. Profit margins will be good.
2. Could extend to overseas broadly.
3. New specialist applications.
4. Could seek better customer deals.
5. Fast-track career development opportunities on an industry-wide basis.
6. An applied research center to create opportunities for
developing techniques to provide added-value services.
Threats :
1. Legislation could impact.
2. Great risk involved
3. Very high competition prevailing in the industry.
4. Vulnerable to reactive attack by major competitors.
5. Lack of infrastructure in rural areas could constrain investment.
REVIEW
OF
LITERATURE
REVIEW OF LITERATURE
Introduction
The commercial banking business has changed dramatically over the past 25 years,
due in large part to technological change. Advances in telecommunications,
information technology, and financial theory and practice have jointly transformed
many of the relationship focused intermediaries of yesteryear into data-intensive
risk management operations of today. Consistent with this, we now find may
commercial banks embedded as part of global financial institutions that engage in a
wide variety of financial activities.
To be more specific, technological changes relating to telecommunications and data

processing have spurred financial innovations that have altered bank products and
services and production processes. For example, the ability to use applied statistics
cost-effectively (via software and computing power) has markedly altered the
process of financial intermediation. Retail loan applications are now routinely
evaluated using credit scoring tools, rather than using human judgement. Such an
approach makes underwriting much more transparent to third parties and hence
facilities secondary markets for retail credits (e.g., mortgages and credit card
receivables) via securitisation. Statistically based risk measurement tools are also
used to measure and manage other types of credit risks- as well as interest rate
risks-on an ongoing basis across entire portfolios. Indeed, tools like value-at-risk
are even used to determine the appropriate allocation of risk-based capital for
actively managed portfolios.
The various innovations in banking and financial sector are ECS, RTGS, EFT,
NEFT, ATM, Retail Banking, Debit & Credit cards, free advisory services,
implementation of standing instructions of customers, payments of utility bills, fund
transfers, internet banking, telephone banking, mobile banking, selling insurance
products, issue of free cheque books, travel cheques and many more value added
services.
The Role of Finance and Financial Innovation

The primary function of a financial system is to facilitate the allocation and
deployment of economic resources, both spatially and across time, in an uncertain
environment. This function encompasses a payments system with a medium of
exchange; the transfer of resources from savers to borrowers; the gathering of
savings for pure time transformation and the reduction of risk through insurance and
diversification.
The operation of a financial system involves real resource costs employed by

financial intermediaries and by financial facilitators (e.g., mortgage brokers). Much
of these resources are expended in the data collection and analyses in which
financial market participants engage, so as to deal withproblems of asymmetric
information. There are also uncertainties about future states of the world that
generate risks, which for risk-averse individuals represent costs. In this
environment, new production process or new organisational forms.
Hence, a Financial Innovation as something new that reduces costs, reduce risks or
provides an improved product/service/instrument that better satisfies financial
system participants demands. Financial innovations can be grouped as new products
(e.g., subprime mortgage) or services (e.g., Internet banking) or new organisational
forms (e.g., Internet-only banks).
Financial Innovation and Banking

The literature pertaining to several specific financial innovations appearing over the
past 25 years or so that were specifically driven by technological change. The major
discussion is focusing on the lines of: new services, new production process and
new organisational forms.
A1. Services:
Recent service innovations primarily relate to enhanced account access and new
methods of payment-each of which better meets consumer demands for
convenience and ease. Automated Teller Machines (ATMs), which were introduced
in the early 1970s and diffused rapidly through the 1980s, significantly enhanced
retail bank account access and value by providing customers with around the clock
access to funds. ATM cards were then largely replaced through the 1980s and 1990s
by debit cards, which bundle ATM access with the ability to make payment from a
bank account at the point of sale. Over the past decade, remote access has migrated
from the telephone to the personal computer. Online banking, which allows
customers to monitor accounts and originate payments using "electronic bill
payment," is now widely used. Stored-value, or prepaid, cards have also become
ubiquitous.
* Debit Cards: Debit cards are essentially "pay-now" instruments linked to a

checking account whereby transactions can happen either instantaneously using
online (PIN based) methods or in the near future with offline (signature based)
methods. Consumers typically have the choice of using online or offline methods,
and their selection often hinges on the respective benefits. Online debit allows the
cardholder also to withdraw cash at the point-of-sale, and offline provides float.
According to ATM & Debit News (2007), there were approximately 26.5 billion
debit transactions in the U.S. during 2006. This is up from 6.5 billion transactions in
1999 – a four-fold increase.
* Online Banking: As households and firms rapidly adopted internet access

during the late-1990s, commercial banks established an online presence. According
to De Young (2005), the first bank websites were launched in 1995: and by 2002
nearly one-half of all U.S. banks and thrifts operated transactional websites. As of
2007, bank call report data suggests that 77.0 percent of commercial banks offer
transactional websites (and these banks control 96.8 percent of commercial bank
deposits).
The primary line of research relating to online banking has been aimed
at understanding the determinants of bank adoption and how the technology has
affected bank performance. In terms of online adoption. Furst, Lang, and Nolle
(2002) find that U.S. national banks (by the end of the third quarter of 1999) were
more likely to offer transactional websites if they were: larger, younger, affiliated
with a holding company, located in an urban area, and had higher fixed expenses
and non-interested income. Turning to online bank performance, De Young, Lang,
and Nolle (2007) report that internet adoption improved U.S. community bank
profitability – primarily through deposit-related charges. In a related study,
Hernando and Nieto (2007) find that, over time, online banking was associated with
lower costs and higher profitability for a sample of Spanish banks. Both papers
conclude that the internet channel is a complement to – rather than a substitute for –
physical bank branches.
* Prepaid cards:As the name implies, prepaid cards are instruments whereby
cardholders "pay early" and set aside funds in advance for future purchases of goods
and services. (By contrast, debit cards are "pay-now", and credit cards are "pay
later"). The monetary value of the prepaid card resides either of the card or at a
remote database. According to Mercator Advisory Group, prepaid cards accounted
for over $180 billion in transaction volume in 2006.
Prepaid cards can be generally delineated as either "closes" systems (e.g., a retailer-
specific gift card, like Macy's or Best Buy) or "open" systems (e.g., a payment-
network branded card, like Visa or MasterCard). Closed-system prepaid cards have
been effective as a cash substitute on university campuses, as well as for mass
transit systems and retailers.
A2. Production Processes
The past 25 years have witnessed important changes in banks production processes.
The use of electronic transmission of bank-to-bank retail payments, which had
modest beginnings in the 1970s, has exploded owing to greater retail acceptance,
online banking and check conversion. In terms of intermediation, there has been a
steady movement toward a reliance on statistical models. For example, credit
scoring has been increasingly used to substitute for manual underwriting – and has
been extended even into relationship-oriented products like small business loans.
Similar credit risk measurement models are also used when creating structured
financial products through "securitization". Statistical modelling has also become
central in the overall risk management processes at banks through portfolio stress
testing and value-at-risk models – each of which is geared primarily to evaluating
portfolio value in the face of significant changes in financial asset returns.
* Asset Securitization: Asset securitization refers to the process by which non

traded assets are transformed into the U.S., securitization is widely used by large
originators of retail credit – specifically mortgages, credit cards and automobile
loans. As of year-end 2007, federally sponsored mortgage pools and privately
arranged ABS issues (including private-label mortgage-backed securities) totalled
almost $9.0 trillion in U.S. credit market debt outstanding.
By contrast, as of year-end 1990, these figures were $1.3 trillion, respectively. One
recent innovation in the structured finance/securitization area is the introduction of
collateralized debt obligations (CDOs). According to Longstaff and Rajan (2006)
these instruments, which were first introduced in the mid-1990s, are now in excess
of $1.5 trillion. Like ABS, CDOs are also liabilities issued by financial-institution-
sponsored trusts, which essentially pool and restructure the priority of cash flows
associated with other types of risky financial assets, including senior and mezzanine
ABS, high-yield corporate bonds and bank loans.
* Risk Management: Advances in information technology (both hardware and

software) and financial theory spurred a revolution in bank risk management over
the past two decades. Two popular approaches to measuring and managing financial
risks are stress-testing and value-at-risk (VaR). In either case, the idea is to identify
the level of capital required for the bank to remain solvent in the face of unlikely
adverse environments.
* Organisational Forms: new bank organizational forms have emerged in the
United States over the past few decades. Securities affiliates (so-called "section 20"
subsidiaries or the creation of "financial holding companies") for very large banks
and Subchapter S status for very small banks, were the by product of
regulatory/legal evolution. Indeed, only one new organizational form, the internet-
only bank, arose from technological change. These institutions, which quickly
emerged and disappeared, may represent an interesting laboratory for the study of
"failed" financial innovations. We believe that understanding such experimental
failures may hold important insights for understanding the keys to successful
innovations.
Conclusion
Over the last three decades the role of banking in the process of financial
intermediation has been undergoing a profound transformation, owing to changes in
the global financial system. It is now clear that a thriving and vibrant banking
system requires a well developed financial structure with multiple intermediaries
operating in markets with different risk profiles. Taking the banking industry to the
heights of international excellence will require a combination of new technologies,
better processes of credit and risk appraisal, treasury management, product
diversification, internal control and external regulations and not the least, human
resources. Fortunately, we have a comparative advantage in almost all these areas.
Our professionals are at the forefront of technological change and financial
developments all over the world. It is time to harness these resources for
development of Indian banking in the new century.
RESEARCH
METHODOLOGY
RESEARCH METHODOLOGY
All the findings and conclusions obtained are based on the survey done in
the working area within the time limit. I tried to select the sample representative
of the whole group during my job training. I have collected data from people linked
with different profession at Chandigarh.
RESEARCH PLAN
Preliminary Investigation :In which data on the situation surrounding the problems
shall be gathered to arrive at
 The correct definition of the problem.
 An understanding of its environment.
RESEARCH DESIGN
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 s ys t e m a n d p r i m a r y d a t a w i l l h e l p t o
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 q u e s t i o n n a i r e w a s f r a m e d a s i t i s l e s s
t i m e c o n s u m i n g , g e n e r a t e s s p e c i f i c a n d t o t h e p o i n t information,
easier to tabulate and interpret.
COLLECTION OF DATA
Secondary Data :
It was collected from internal sources. The secondary data was collected on the
basis of news papers, magazines, management books , internet and website of
the bank.
Primary data:
All the people from different profession were personally visited and interviewed
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, Ta

x Consultants, Lawyers, Business Man, Professionals and House Wives of
Chandigarh.
 Sample Technique:Random Sampling.
 Research Instrument::Structured Questionnaire.
 Contact Method:Personal Interview.
SAMPLE SIZE
My sample size for this project was 100 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 100 respondents.
RESEARCH LIMITATIONS
 It was not possible to understand thoroughly about the different marketing
aspects of the Financial Consultant within 6 weeks.
 All the work was limited in some limited areas of Chandigarh so
the findings should not be generalized.
 The area of research was Chandigarh and it was too vast an area to cover
within 6 weeks.
DATA ANALYSIS
AND
INTERPRETATION
DATA ANALYSIS AND INTERPRETATION
Q.1Your Age
Table :
Serial No. Age Category No. of Percentage

Respondents
1. 18-23 years 40 40%
2. 24-29 years 25 25%
3. 30-35 years 20 20%
4. 35 above 15 15%
TOTAL 100 100%
BASE 100 respondents
GRAPH
35 above
15%
18-23 YEARS
30-35 years 40%
20%
24-29 years
25%
INTERPRETATION:
From the above table and graph it can be seen that:
 40% respondent’s age are 18-23 years.
 25% respondent’s age are 24-29years.
 20% respondent’s age are 30-35 years.
 15% respondent’s age are 35 above.
Q 2. Education Qualification
Table :
Serial No. Category No. of Percentage

Respondents
1. Under Graduate 24 24%
2. Graduate 50 50%
3. Post Graduate 26 26%
Total 100 100%
GRAPH
Post Graduate Under Graduate

26% 24%
Graduate
50%
INTERPRETATION:
 24% respondent’s are under graduate.
 50% respondent’s are graduate.
 26% respondent’s are post graduate.
Q 3. Marital Status
Table :

Respondents
1. Married 75 75%
2. Unmarried 25 25%
Total 100 100%
GRAPH
Unmarried
25%
Married
75%
INTERPRETATION:
 75% respondent’s are Married.
 25% respondent’s are Unmarried.
Q 4. Occupation
Table :

Respondents
1. Business 20 20%
2. Profession 48 48%
3. Service 32 32%
100 100%
GRAPH
Business
Service 20%
32%
Profession
48%
INTERPRETATION:
 20% respondent’s occupationis Business.
 48% respondent’s occupation isProfession.
 32% respondent’s occupation is Service.
Q 5. Are you associated with HDFC bank?
Table :

Respondents
1. Yes 62 62%
2. No 38 38%
Total 100 100%
GRAPH
No
38%
Yes
62%
INTERPRETATION:
 62% respondent’s are associated with HDFC bank.
 38% respondent’s are not associated with HDFC bank.
Q 6. Do you have an ATM card?
Table :

Respondents
1. Yes 80 80%
2. No 20 20%
Total 100 100%
GRAPH
0% 0%
No
20%
Yes
80%
INTERPRETATION:
 80% respondent’s have ATM Card.
 20% respondent’s do not have ATM Card.
Q 7. Do you have an account with HDFC bank?
Table :

Respondents
1. Yes 62 62%
2. No 38 38%
Total 100 100%
GRAPH
0%
0%
No
38%
Yes
62%
INTERPRETATION:
 62% respondent’s have an Account with HDFC Bank.
 38% respondent’s do not have an Account with HDFC Bank..
Q 8. Are you satisfied with the services of HDFC bank?
Table :

Respondents
1. Yes 75 75%
2. No 25 25%
Total 100 100%
GRAPH
0%
0%
No
25%
Yes
75%
INTERPRETATION:
 75% respondent’sare satisfied with the services ofHDFC Bank.
 25% respondent’sare not satisfied with the services of HDFC Bank.
Q 9. Are you availing the services of Net banking, Mobile
banking, Insta alerts?
Table :

Respondents
1. Yes 59 59%
2. No 41 41%
Total 100 100%
GRAPH
0% 0%
No
41%
Yes
59%
INTERPRETATION:
 59% respondent’s are availing the services of Net banking, Mobile banking, Insta
alerts.
 41% respondent’s are not availing the services of Net banking, Mobile banking, Insta
alerts.
Q 10. How often do you use the debit card, credit card and
prepaid cards?
Table :

Respondents
1. Everyday 10 10%
2. Once in a week 20 20%
3. Once in a month 65 65%
4. Less than once in a 5 5%
month
Total 100 100%
Less than
once in a GRAPH
month
5%
Everyday
10%
Once in a week
20%
Once in a month
65%
INTERPRETATION:
 10% respondent’s use the debit card, credit card and prepaid cards everyday.
 20% respondent’s use the debit card, credit card and prepaid cards once in a week.
 65% respondent’suse the debit card, credit card and prepaid cards once in a month.
 5% respondent’suse the debit card, credit card and prepaid cards less than once in a
month.
Q 11. Would you recommend HDFC Bank to any of
your acquaintances/friends?
Table :

Respondents
1. Yes 55 55%
2. No 20 20%
3. May be 25 25%
100 100%
GRAPH
May be
25%
Yes
No 55%
20%
INTERPRETATION:
 55% respondent’s recommend HDFC Bank to their acquaintances/friends.
 20% respondent’s do not recommend HDFC Bank to their
acquaintances/friends.
 25% respondent’s may or may not.
Q 12. Are you aware of that HDFC Bank provide you a
free Demat account if you open a new Saving
account with the HDFC Bank?
Table :

Respondents
1. Yes 74 74%
2. No 26 26%
Total 100 100%
GRAPH
0%
0%
No
26%
Yes
74%
INTERPRETATION:
 74% respondent’s are aware of that the HDFC Bank provide a free Demat
account if one open a new Saving account with the HDFC Bank .
 26% respondent’s are not aware of that the HDFC Bank provide a free
Demat account if one open a new Saving account with the HDFC Bank .
CONCLUSION ,
LIMITATIONS
AND
SUGGESTIONS
CONCLUSIONS
HDFC Bank, the banking area of HDFC is expected to go on stream.
The bank already has good number of employees on board and I t
i s o n t h e b r i m o f i n c r e a s i n g i t s c u s t o m e r s t h r o u g h i t s 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.
The main aim was also to get a basic idea on HDFCs value added services. Through
this project, it could be concluded that people are very much aware of HDFCs
services like Net Banking, Mobile Banking, Insta alerts etc. With the
current recession people are a little reluctant to open new accounts.
Services was considered as unsought good which requires hard

core selling, but in changing trend in income people are
becoming financially literate. The demand for banking sector is
i n c r e a s i n g d a y b y d a y.
A c c o r d i n g t o m y f i n d i n g s c o m p a n y’ s p r o m o t i o n a l a c t i v i t i e s a r e
very less.
So, at last the conclusion is that there is tough competition ahead for the
company from its major competitors.
LIMITATIONS
 The project was constrained by time limit of 6 weeks.
 Mindset of people may very depending upon their age, gender, income etc.
 Getting appointment from the concern person was very difficult.
 Respondents were very busy in their schedule. So it was very time
consuming for them to answer all the questions properly.
 People mindset about the survey was an obstacle in acquiring complete
information.
SUGGESTIONS
As we know that the bank does huge investments in providing various services to
the customers. The basic purpose is that the customers take the best advantage of
these services and have better relationship with the bank. Thus we should make sure
that these services are utilized by the customers where ever required.
Therefore it is the banks duty to first of all make the customers fully informed about
the services which they are eligible to use. So that the customers does not remain
unaware of any services he could avail. The staff should inform the customers
whenever a new service is introduced or a new customer comes.
The customer should be suggested to make full use of these services for there own
convenience when the bank is providing them at either, at no cost or at minimal
cost. The best use of the service could then be made. Thee customer will be happier
with the bank and their relations will improve.
The LOBBY MANAGEMENT is generally carried out to reduce the number of

walk-ins in the bank in order to improve the profitability of bank.
 Minimum balance for savings account should be reduced to Rs

5000, so that people who are not financially strong enough
can maintain their account properly.
 The bank should provide a pass book to all its customers.
 Make people aware about the various benefits of its products and value
added services by :-
1. Headings
2. Print Media
3. Stalls in Trade fares
 Drop boxes for dropping cheques for the payment of credit cards must be set
up in retail stores in market.
BIBLIOGRAPHY
1. www.hdfcbank.com
2. www.moneycontrol.com
3. www.google.com
4. www.indiabank.com
5. Broachers of the bank
ANNEXURE
QUESTIONNAIRE
We would be thankful if you share your valuable opinions regarding VALUE

ADDED SERVICES offered by HDFC BANK.
I assure you that the information provided by you will be kept confidential and will
be used for academic purpose only.
Please put a tick in appropriate brackets.
1. Your Age:____________________
2. Education Qualification
 Undergraduate □
 Graduate□
 Post graduate □
3. Marital Status
 Married □
 Single □
 No. of Children: __________
4. Occupation
 Business □
 Profession □
 Service □
5. Are you associated with HDFC bank?

 Yes □
 No □
6. Do you have an ATM card?

 Yes □
 No □
7. Do you have an account with HDFC bank?

 Yes □
 No □
8. Are you satisfied with the services of HDFC bank?

 Yes □
 No □
9. Are you availing the services of Net banking, Mobile banking, Insta alerts?
 Yes □
 No □
10. How often do you use the debit card, credit card and prepaid cards?
 Everyday □
 Once a week □
 Once a month □
 Less than once a month □
11. Would you recommend HDFC Bank to any of your acquaintances/friends?

 Yes □
 May be □
 No □
12. Are you aware of that HDFC Bank provide you a free Demat account if
you open a new Saving account with the HDFC Bank?
 Yes □
 No □
Date :
Place : Signature :
Thanking you

A Brief Study On Value Added Services Offered by HDFC Bank

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A BRIEF STUDY ON VALUE ADDED SERVICES

OFFERED BY HDFC BANK

Submitted in partial fulfillment for the award of the award of

BACHELOR IN BUSINESS ADMINISTRATION

DAV COLLEGE CHANDIGARH

Prof. Gagan Josan SHASHANK RANA

I hereby declare that the project work entitled “ A BRIEF STUDY OF

I am highly indebted to HDFC BANK’S EMPLOYES who has provided me

I am grateful to all the faculty members of DAV COLLEGE CHANDIGARH,

SR.No. Subject Covered Page No.

1. History of banking in India

2. Profile of HDFC Bank

3. Financial result for the year ending march 2017

4. HDFCs products at glance

5. Value Added Services

10. Mobile Banking

11. Insta Alerts

13. Phone Banking

14. Email Statements

15. Pre-paid Cards

16. Achievements and Awards

17. SWOT analysis

18. Review of Literature

19. Research Methodology

20. Data Analysis And Interpretations

21. Conclusion,Limitations $ Suggestions

22. Lobby Management

 Early phase from 1786 to 1969 of Indian Banks

Explanation of banking in three PHASES

 1949 : Enactment of Banking Regulation Act.

The financial system of India has shown a great deal of resilience. It is

The Housing Development Finance Corporation Limited (HDFC) was

PROMOTERS:HDFC is India's premier housing finance company and

HDFC Bank's mission is to be a World-Class Indian Bank. The objective is to

HDFC Bank's business philosophy is based on four core values –

In a milestone transaction in the Indian banking industry, Times Bank Limited

The Bank's Board of Directors is composed of eminent individuals with a

Senior banking professionals with substantial experience in India and abroad

HDFC Bank operates in a highly automated environment in terms of

HDFC Main Branch

March March March March March March

2012 2013 2014 2015 2016 2017

Branches 535 684 761 1412 1725 1986

ATM’S 1323 1605 1977 3295 4232 5471

HDFC Bank offers a wide range of commercial and transactional banking

1.Wholesale Banking Services

The Bank's target market ranges from large, blue-chip

2.Retail Banking Services

The objective of the Retail Bank is to provide its target market

The HDFC Bank Preferred program for high net worth

It is also a leading provider of Depository Participant (DP)

HDFC Bank was the first bank in India to launch an

Profit & Loss Account: Year ended March 31, 2017

Balance Sheet: As of March 31, 2017

Regular Payroll Plus Current Regular

VALUE ADDED SERVICES OFFERED BY HDFC BANK

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Our industry leading service provides a host of features at your finger-

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Different kind of debit cards offered by hdfc bank to its customers: