HDFC

BANK
We Understand Your World
 HDFC BANK
O Housing Development Finance Corporation
O Founded in 1977 by Hasmukh bhai Parakh
O HDFC Bank was incorporated in August 1994
O Among the first in new generation commercial banks
O Registered office in Mumbai, India
O Promoted by HDFC, the parent company
O IPO in India in 1995
O Listed in NSE, BSE, NYSE(ADR)
PROFILE OF HDFC BANK
O Type Public
O Founded 1994
O Headquarters HDFC Bank Ltd.,
Mumbai, India
O Industry Banking, Insurance,
Capital Markets and
allied industries
O Products Loans, Credit Cards,
Savings, Investment
, vehicles, Insurance etc.
O Net revenue Rs.2,509.6 crores
O Net income Rs. 4,634.3 crores
O Website www.hdfcbank.com
NETWORK
O 761 branches
O 1977 ATM’s in the country
O 327 cities in India
O All branches are OLRT connected
O 16 branches in Middle east
O 6 in Africa
O Representative offices in Hong
Kong, NewYork, London &
Singapore
 Product & services
O Travellers Cheques
O credit card
O home loan
O personal loan
O Foreign Currency Cash
O Foreign Currency Demand Drafts
O Cheque Deposits
O Remittances
O Trade Services
O Mutual funds
O Insurance
 CONTINUE…….
O Travellers Cheques : Travellers Cheques are a safe and easy
way to protect your money when you travel. You can
encash them only when you need to, and only against
your signature, unlike cash which can be stolen and
misused by anybody, immediately.
O Credit Card : 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 .
O Home loan : Home loans for individual to purchase or
construct houses.
O Personal Loans : The procedure of personal loan is simple,
documentation is minimal and approval is quick.
 CONTINUE…….
O Foreign Currency Cash : Foreign Currency Cash is a convenient way of
meeting personal expenses along your journey, paying for taxis /
internal travel, food expenses etc.
O Foreign Currency Demand Drafts : Demand Drafts are issued in seven
currencies like United States Dollars (USD), Great Britain Pounds
(GBP), EURO, Japanese Yen (JPY), Australian Dollars (AUD),
Canadian dollars (CAD) and New Zealand Dollars (NZD).
O Foreign Currency Cheque Deposits : We can directly deposit our foreign
currency cheques in to our saving or current account.
O Remittances : HDFC Bank offers the remittance facilities by which we
can send and receive money to anyone. They are categorized
depending on location and the urgency with which we want the
money transferred.
 CONTINUE…….
• Trade Service : HDFCBank have people with high
level of expertise and experience in trade
services to provide services to suit specific
requirements and structure solutions for
business needs.
• HDFC Bank have 500 branches for trade
services.
• Mutual funds : Mutual funds are funds that pool the
money of several investors to invest in equity or
debt markets.
• Insurance : HDFC Bank offers a world of choice in
insurance. Like – children future plans,
retirements plans, standard life, etc.
WHAT IS FINTECH?
Financial technology (FinTech) is the new
technology and innovation that aims to compete
with traditional financial methods in the delivery
of financial services.

Eg: mobile banking services.

 KEY APPLICATIONS

Automate Insurance

Trading

Risk Management
 CHALLENGES

Intervention of financial regulators like

issuing banks and the Federal Government.

Data security owing to the threat of hacking.

Marketing to compete with rival firms.

FINTECH & HDFC
At HDFC Bank, innovative processes and programs are a
priority. Some highly successful digital banking products
by HDFC available in the market are:
30-minute paper-less Auto Loans using Biometric technology.

10-second Personal Loan on NetBanking

PayZapp, Chillr, LITE App

Instant loans at ATM

Robotic Assistant (HUMANOID) at HDFC Bank branches.

HDFC Bank OnChat: A first of its kind solution provided by any Bank in
India, HDFC Bank OnChat that lets you chat on Facebook messenger
to avail services like bill payments, travel bookings, event bookings,
etc.
DIGITAL INNOVATION SUMMIT
Engaging the FinTech Ecosystem:

In order to create a platform to encourage innovation in the

Financial Technology (FinTech) space, HDFC Bank also holds a
Digital Innovation Summit. This initiative is a part of the Bank’s
strategic focus on simplifying the lives of customers by using
technology as an enablerInstant loans at ATMS.
Their objective is to interface with FinTech and new age
technology companies and start-ups, whilst exploring new and
disruptive ideas that fit into the overall objective of simplifying
our customer's lives.
 Technology – New is better !!!
Latest Technology Security

O Plans to deploy connections, with built-in O Security in banking, to a large

redundancy in the network
O Tested CDMA and GSM solutions—
specially for ATMs as they consume very
small bandwidths
O For corporate and retail banking the
bank uses Flexcube and Finware of i-flex
respectively .
extent, is built into the software
or the application itself.
O The data that are being
transferred to the regional
centres or from internet banking
request, are encrypted

O For disaster recovery the data at the

main center is replicated in real-time on-
line at the Chennai site
 Capital Structure
O The authorized capital of HDFC Bank is Rs550 crore
(Rs5.5 billion).
O The paid-up capital is Rs424.6 crore (Rs.4.2 billion).
O The HDFC Group holds 19.4% of the bank's equity
O Roughly 28% of the equity is held by Foreign
Institutional Investors (FIIs) and the bank has about
570,000 shareholders
 Milestones !!!!
O HDFC follows the model of a sound
corporate governance

O The bank was amongst the first four

companies, which subjected itself to a
Corporate Governance and Value Creation
(GVC) rating by CRISIL

O A very sound and effective risk

management system in place to create a
less risk assets portfolio.

O Uses Neural Technologies for risk

management in its Credit Cards and other
Retail Assets portfolios
INTERVIEW
1. Does anything have to pledged
or given as collateral to get a car
loan?
O No, there’s no need for any
collateral. You will only need to
hypothecate the car in our name.
An endorsement will have to be
made in the Registration
Certificate (RC) book of the
vehicle. This will be cancelled
after you repay the loan.
2. What are Benefits for HDFC
Bank account holders ?
O Benefits are quick
processing time and
simplified documentation.
Further, there are preferred
rates for customers who
have a strong banking
relationship with the bank.
 3. How does HDFC decide
eligibility for granting home
loans?
O HDFC assess the customer's
repayment capacity based on
income, age, qualifications,
number of dependants,
spouse's income, assets,
liabilities, stability and
continuity of occupation, and
savings history.
4. How long is the tenure of an
education loan for Indian
education?
The maximum repayment
tenures are-
O For loans up to Rs. 7.50 lacs
– up to 10 years
O For loans above Rs. 7.50
lacs – up to 15 years
 5. What are the benefits of
NetBanking in HDFC?
Through HDFC NetBanking, one can-
O Pay utility bills
O Invest in Mutual Funds online
O Request a demand draft/cheque book
O Pay taxes online
O Apply for IPO
Any Questions?