comparision between axis bank and hdfc bank

8/13/2019 Comparision Between Axis Bank and HDFC Bank

1/96

A

Project Study Report

On

COMPARISION BETWEEN AXIS AND HDFC BANK

Submitted in partial fulfillment for theAward of degree of

Mater o! Bu"ne Ad#"n"trat"on

`

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PREFACE

Su##er tra"n"n$ "n any or$an"%at"on " an atte#pt to pro&"de tudent a

pract"ca' "nput ( E)p'oure to t*e rea' +or'd "tuat"on "n +*"c* *e *a to

+or, "n !uture-

My tra"n"n$ "n A)" Ban,. Mu%a!!arna$ar +a an atte#pt "n t*"

re$ard- T*e project +or, pro&"ded to #e +a /COMPARISION

BETWEEN HDFC AND AXIS BANK

A)" Ban, " today one o! t*e #ot co#pet"t"&e ( pro!"ta0'e

0an,"n$ !ranc*"e "n Ind"a a can 0e c'ear'y dep"cted 0y t*e ana'y" o!

"t port!o'"o o! 0an,"n$ er&"ce- T*e 0an, *a 'aunc*ed e&era' !or

&ar"ou cate$or"e o! conu#er to en*ance "t depo"t #")- T*"

project dea' +"t* t*" apect epec"a''y +"t* t*e a&"n$ account

!eature-

T*e report *a 0een prepa"d and " preented under &ar"ou

*ead"n$ a "ntroduct"on. or$an"%at"on pro!"'e. reearc* o0ject"&e ( cope

o! reearc* project etc-

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ACKNOWLEDGEMENT

I +ou'd '",e to ta,e t*" opportun"ty to e)pre #y $rat"tude

to+ard a'' t*oe +*o *a&e. "n &ar"ou +ay. *e'ped #e "n t*e

co#p'et"on o! t*" project-

I a'o e)pre #y "ncere t*an, to #y project $u"de. Mr- Ra*u'

Du0ey. !or $u"d"n$ #e r"$*t !ro# t*e "ncept"on t"'' t*e ucce!u'

co#p'et"on o! t*e project- I "ncere'y ac,no+'ed$e *er !or e)tend"n$ *er

&a'ua0'e $u"dance. upport !or '"terature. cr"t"ca' re&"e+ o! project and

t*e report and t*e a0o&e a'' t*e #ora' upport *e pro&"ded #e +"t*

t*rou$*out a'' tate o! report preparat"on-

Su#"t Ku#ar

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CONTENTS

S-NO- PARTIC12ARS PA3E NO-

1 INTROD1CTION To T*e Indutry 456789

2 INTROD1CTION TO t*e Or$an"%at"on 47:6 ;


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7< BIB2IO3RAPHIES 4@:9

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INTODUCTION TO THEINDUSTRY

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INTRODUCTION

Helping Indians experience the joy of home ownership.

he road to s!ccess is a to!gh and challenging jo!rney in the dar" where only

o#stacles light the path. Howe$er% s!ccess on a terrain li"e this is not witho!t a

sol!tion.

H&'( fo!nd o!t nearly three decades ago% in 1)**% the sol!tion for s!ccess is

c!stomer satisfaction. +ll yo! need is the co!rage to inno$ate% the s"ill to !nderstand

yo!r clientele and the desire to gi$e them yo!r #est

oday% nearly three million satisfied c!stomers whose dream we helped realise% stand

testimony to o!r s!ccess.

H&'( o#jecti$e% from the #eginning% has #een to enhance residential ho!sing stoc"

and promote home ownership.

,ow% o!r offerings range from hassle-free home loans and deposit prod!cts% to

property related ser$ices and a training facility.

e also offer speciali/ed financial ser$ices to o!r c!stomer #ase thro!gh partnerships

with some of the #est financial instit!tions worldwide.

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FOUNDER OF HDFC

If e$er there was a man with a mission it was Hasm!"h#hai 0are"h% H&'( 'o!nder

and (hairman-merit!s% who left this earthly a#ode on ,o$em#er 1% 1))4.

orn in a traditional #an"ing family in !rat% !jarat% r. 0are"h started his financial

career at Har"isandass 7!"hmidass 8 a leading stoc" #ro"ing firm. he firm closed

down in the late se$enties% #!t% long #efore that% he went on to #ecome a towering

fig!re on the Indian financial scene.

In 1)56 he #egan his lifelong financial affair with the economic world% as eneralanager of the newly-formed Ind!strial (redit and In$estment (orporation of India

9I(I(I:. He rose to #ecome (hairman and contin!ed so till his retirement in 1)*2.

+t the ripe age of 6;% Hasm!"h#hai started his second dynamic life% e$en more

ill!strio!s than his first. His $ision for mortgage finance for ho!sing ga$e #irth to the

Ho!sing &e$elopment 'inance (orporation 8 it was a trend-setter for ho!sing finance

in the whole +sian continent.

He was a tr!e de$elopment #an"er. His #!ilding !p H&'( witho!t any go$ernment

assistance is itself a #rilliant chapter in financial history. His wisdom and warmth

drew people from all wal"s of life to him% for ad$ice% g!idance and inspiration.

+ soft spo"en man of few words% r. 0are"h ne$ertheless held strong and definite

$iews with a

impro$ing and enco!raging comm!nication #etween people.

He was also a writer in his own right. here are o$er 2;; p!#lished articles #y him%

f!ll of incisi$e comments on finance and economics. In 1)53 he #ro!ght o!t a $ol!me

called= he om#ay oney ar"et. It detailed the intricate wor"ing of the Indian

money mar"et. His wor"s in !jarati 8 Hirane 0atro% Hirane >adh! 0atro 8 occ!py

pride of place in !jarati literat!re. In 1))2% the o$ernment of India hono!red him

with the 0adma h!shan +ward. he 7ondon chool of conomics ? 0olitical

cience conferred on him an Honorary 'ellowship.


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!t there was m!ch more to the man than his financial geni!s. In his own !nass!ming

way% Hasm!"h#hai de$oted all his life to raising reso!rces for philanthropic ca!ses.

He was one of the 'o!nder em#ers of the (entre for +d$ancement of 0hilanthropy%

and it@s (hairman till 1))3. He too" acti$e interest in the om#ay (omm!nity 0!#lic

r!st% designed specifically to ser$e the needs of the city@s !nderpri$ileged citi/ens.

hen r. &eepa" 0are"h too" o$er as (hairman from Hasm!"h#hai% he said=

Aa"ing o$er from H.. 0are"h is a formida#le tas"B his $isionC #ro!ght a#o!t not

only an instit!tion% #!t an entire concept which has pro$ed itself to #e of lasting

importance.D

In his last years% de$elopments in the financial sector #ro!ght him some meas!re of

satisfaction. ays I(I(I (hairman% ,. >agh!l= Ahe most gratifying aspect a#o!t his

life is that $al!es he cherished all his life% came into reality in the last yearsC opening

!p the financial sector% and dereg!lation of lending rates were iss!es he stood for all

his life% and this happened #efore he passed away.D

'arewell dear Hasm!"h#haiE +ll of !s will miss not only H.. 0are"h the financial

wi/ard% #!t m!ch more so% the man. he only and #est tri#!te we can pay to s!ch an

indi$id!al is to try and follow in his footsteps% "eeping in mind his high ideals and

philanthropic o!tloo".

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OBJECTIVE & BACKGROUND OF HDFC

Housing Finance Sector

+gainst the milie! of rapid !r#anisation and a changing socio-economic scenario% the

demand for ho!sing has grown explosi$ely. he importance of the ho!sing sector in

the economy can #e ill!strated #y a few "ey statistics. +ccording to the ,ational

!ilding Frgani/ation 9,F:% the total demand for ho!sing is estimated at 2 million

!nits per year and the total ho!sing shortfall is estimated to #e 1).4 million !nits% of

which 12.*6 million !nits is from r!ral areas and 6.64 million !nits from !r#an areas.

he ho!sing ind!stry is the second largest employment generator in the co!ntry. It is

estimated that the #!dgeted 2 million !nits wo!ld lead to the creation of an additional

1; million man-years of direct employment and another 15 million man-years of

indirect employment.

Ha$ing identified ho!sing as a priority area in the ,inth 'i$e Gear 0lan 91))*-2;;2:%

the ,ational Ho!sing 0olicy has en$isaged an in$estment target of s. 1%5;; #illion

for this sector. In order to achie$e this in$estment target% the o$ernment needs to

ma"e low cost f!nds easily a$aila#le and enforce legal and reg!latory reforms.

Bacgroun!

H&'( was incorporated in 1)** with the primary o#jecti$e of meeting a social need 8

that of promoting home ownership #y pro$iding long-term finance to ho!seholds for

their ho!sing needs. H&'( was promoted with an initial share capital of s. 1;;

million.

Business O"#ecti$es

he primary o#jecti$e of H&'( is to enhance residential ho!sing stoc" in the co!ntry

thro!gh the pro$ision of ho!sing finance in a systematic and professional manner% and

to promote home ownership. +nother o#jecti$e is to increase the flow of reso!rces to

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the ho!sing sector #y integrating the ho!sing finance sector with the o$erall domestic

financial mar"ets.

Organi%ationa Goas

H&'(@s main goals are to a: de$elop close relationships with indi$id!al ho!seholds%

#: maintain its position as the premier ho!sing finance instit!tion in the co!ntry% c:

transform ideas into $ia#le and creati$e sol!tions% d: pro$ide consistently high ret!rns

to shareholders% and e: to grow thro!gh di$ersification #y le$eraging off the existing

client #ase.

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ORGANISATION & 'ANAGE'ENT OF HDFC

H&'( is a professionally managed organi/ation with a #oard of directors consisting

of eminent persons who represent $ario!s fields incl!ding finance% taxation%constr!ction and !r#an policy ? de$elopment. he #oard primarily foc!ses on

strategy form!lation% policy and control% designed to deli$er increasing $al!e to

shareholders.

Boar! o( Directors

r. &eepa" 0are"h - (hairman

r. esh!# ahindra

->ice (hairman

r e"i istry

- anaging &irector

s. en! . arnad

- xec!ti$e &irector

r. hirish 0atel

r. ehta

r. & !"than"ar

r. & , hosh

H&'( has a staff strength of 13 9as on 31st arch% 2;;*:% which incl!des

professionals from the fields of finance% law% acco!ntancy% engineering and mar"eting

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BANKING IN INDIA:

W"t*out a ound and e!!ect"&e 0an,"n$ yte# "n Ind"a "t cannot *a&e a

*ea't*y econo#y- T*e 0an,"n$ yte# o! Ind"a *ou'd not on'y 0e *a'e !ree

0ut "t *ou'd 0e a0'e to #eet ne+ c*a''en$e poed 0y t*e tec*no'o$y and

any ot*er e)terna' and "nterna' !actor- For t*e pat t*ree decade Ind"a

0an,"n$ yte# *a e&era' outtand"n$ ac*"e&e#ent to "t cred"t- T*e #ot

tr","n$ " "t e)ten"&e reac*- It " no 'on$er con!"ned to on'y #etropo'"tan or

co#opo'"tan "n Ind"a- In !act. Ind"an 0an,"n$ yte# *a reac*ed e&en to

t*e re#ote corner o! t*e country- T*" " one o! t*e #a"n reaon o! Ind"a

$ro+t* proce-

HISTORY:

T*e !"rt 0an, "n Ind"a. t*ou$* coner&at"&e. +a eta0'"*ed "n 7?@5- Fro#

7?@5 t"'' today. t*e journey o! Ind"an Ban,"n$ Syte# can 0e e$re$ated "nto

t*ree d"t"nct p*ae- T*ey are a #ent"oned 0e'o+ PHASE I 6 Ear'y p*ae !ro# 7?@5 to 75 o! Ind"an Ban,

PHASE II 6 Nat"ona'"%at"on o! Ind"an Ban, and up to 77

PHASE III 6 Ind"an F"nanc"a' ( Ban,"n$ Sector Re!or# a!ter 77.

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PHASE I:

T*e 3enera' Ban, o! Ind"a +a et up "n t*e year 7?@5- Ne)t ca#e Ban, o!

H"ndutan and Ben$a' Ban,-

T*e Eat Ind"a Co#pany eta0'"*ed

Bank of Bena! "#$%&'(

Bank of Bo)*a+"#$,%' an-

Bank of Ma-.a/ "#$,09 a "ndependent un"t and ca''ed "t P.e/1-en2+

Bank/-

T*ee t*ree 0an, +ere a#a'$a#ated "n 78< and I)3e.1a! Bank of

In-1a+a eta0'"*ed +*"c* tarted a pr"&ate *are*o'der 0an,. #ot'y

European *are*o'der- Dur"n$ t*e !"rt p*ae t*e $ro+t* +a &ery 'o+ and0an, a'o e)per"enced per"od"c !a"'ure 0et+een 77: and 7>@- T*ere +ere

appro)"#ate'y 77


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)HASE II*

3o&ern#ent too, #ajor tep "n t*" Ind"an Ban,"n$ Sector Re!or# a!ter

"ndependence- In 7;;. "t nat"ona'"%ed I#per"a' Ban, o! Ind"a +"t* e)ten"&e

0an,"n$ !ac"'"t"e on a 'ar$e ca'e epec"a''y "n rura' and e#"6ur0an area-

Second p*ae o! nat"ona'"%at"on Ind"an Ban,"n$ Sector Re!or# +a carr"edout "n 7@< +"t* e&en #ore 0an,- T*" tep 0rou$*t @


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)HASE III

his phase has introd!ced many more prod!cts and facilities in the

#an"ing sector in its reforms meas!re. In 1))1% !nder the chairmanship of

,arasimham% a committee was set !p #y his name which wor"ed for

the li#erali/ation of #an"ing practices.he co!ntry is flooded with foreign #an"s and their + stations. fforts

are #eing p!t to gi$e a satisfactory ser$ice to c!stomers. 0hone #an"ing

and net #an"ing is introd!ced. he entire system #ecame more

con$enient and swift. he financial system of India has shown a great

deal of resilience. It is sheltered from any crisis triggered #y any external

macroeconomics shoc" as other ast +sian (o!ntries s!ffered. his is all

d!e to a flexi#le exchange rate regime% the 'oreign

eser$es are high% the capital acco!nt is not yet f!lly con$erti#le% and

#an"s and their c!stomers ha$e limited foreign exchange expos!re.

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#78 NATIONALI9ED BANKS IN IDNA

Ban,"n$ Syte# "n Ind"a " do#"nated 0y nat"ona'"%ed 0an,- T*e

nat"ona'"%at"on o! 0an, "n Ind"a too, p'ace "n 75 0y Mr- Ind"ra

3and*" t*e t*en pr"#e #"n"ter- T*e #ajor o0ject"&e 0e*"nd

nat"ona'"%at"on +a to pread 0an,"n$ "n!ratructure "n rura' area and

#a,e a&a"'a0'e c*eap !"nance to Ind"an !ar#er- Fourteen 0an, +ere

nat"ona'"%ed "n 75-

Be!ore 75. State o! Ind"a 4SBI9 +a on'y pu0'"c ector 0an, "n

Ind"a- SBI +a nat"ona'"%ed "n 7;; under t*e SBI Act o! 7;;- T*e

econd p*ae o! nat"ona'"%at"on o! Ind"an 0an, too, p'ace "n t*e year

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State Ban, o! Hydera0ad

State Ban, o! Ind"a 4SBI9

State Ban, o! Indore

State Ban, o! Myore

State Ban, o! Pat"a'a

State Ban, o! Saura*tra

State Ban, o! Tra&ancore

Synd"cate Ban,

1CO Ban,

1n"on Ban, o! Ind"a

1n"ted Ban, o! Ind"a

"jaya Ban,

#70 PRI=ATE BANKS

A'' t*e 0an, "n Ind"a +ere ear'"er pr"&ate 0an,- T*ey +ere

!ounded "n t*e pre6"ndependence era to cater to t*e 0an,"n$ need o!t*e peop'e- But a!ter nat"ona'"%at"on o! 0an, "n 75 pu0'"c ector

0an, ca#e to occupy do#"nant ro'e "n t*e 0an,"n$ tructure- Pr"&ate

ector 0an,"n$ "n Ind"a rece"&ed a !"''"p "n 7> +*en Reer&e Ban, o!

Ind"a encoura$ed ett"n$ up to pr"&ate 0an, a part o! "t po'"cy o!

'"0era'"%at"on o! t*e Ind"an Ban,"n$ Indutry- Hou"n$ De&e'op#ent

F"nance Corporat"on 2"#"ted 4HDFC9 +a a#on$t t*e !"rt to rece"&e

an In pr"nc"p'e appro&a' !ro# t*e Reer&e Ban, o! Ind"a 4RBI9 to et up

a 0an, "n t*e pr"&ate ector-

Pr"&ate Ban, *a&e p'ayed a #ajor ro'e "n t*e de&e'op#ent o!

Ind"an 0an,"n$ "ndutry- T*ey *a&e #ade 0an,"n$ #ore e!!"c"ent and

cuto#er !r"end'y- In t*e proce t*ey *a&e jo'ted pu0'"c ector 0an,

out o! co#p'acency and !orced t*e# to 0eco#e #ore co#pet"t"&e-

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Ma>o. P.1?ae Bank/ of In-1a

Ban, o! Rajat*an

B*arat O&erea Ban,

A)" Ban,

Cat*o'"c Syr"an Ban,

Centur"on Ban, o! Punja0

D*ana'a,*#" Ban,

Federa' Ban,

HDFC Ban,

ICICI Ban,

IDBI Ban,

Indu"nd Ban,

IN3 yya Ban,

Ga##u ( Ka*#"r Ban,

Karnata,a Ban,

Karur yya Ban,

Kota, Ma*"ndra Ban,

SBI Co##erc"a' and Internat"ona' Ban,

Sout* Ind"an Ban,

1n"ted Wetern Ban,

1TI Ban,

=ES Ban,

1)


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INTODUCTION TO THE

ORGANI9ATION

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COMPANY DESCRIPTION

AXIS BANK

A)" Ban, Ind"a. t*e !"rt 0an, to 0e$"n operat"on a ne+ pr"&ate 0an, "n

7> a!ter t*e 3o&ern#ent o! Ind"a a''o+ed ne+ pr"&ate 0an, to 0e

eta0'"*ed- A)" Ban, +a jo"nt'y pro#oted 0y t*e Ad#"n"trator o! t*e

pec"!"ed underta,"n$ o! t*e

1n"t Trut o! Ind"a 41TI6I9

2"!e Inurance Corporat"on o! Ind"a 42IC9

3enera' Inurance Corporat"on 2td-

A'o +"t* aoc"ate &"%- Nat"ona' Inurance Co#pany 2td-. t*e Ne+ Ind"a

Aurance Co#pany. T*e Or"enta' Inurance Corporat"on and 1n"ted

Inurance Co#pany 2td-

A)" Ban, "n Ind"a today " cap"ta'"%ed +"t* R->


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E=OLUTION:

1TI +a eta0'"*ed "n 75> 0y an Act o! Par'"a#entL ne"t*er d"d t*e

3o&ern#ent o! Ind"a o+n "t nor contr"0ute any cap"ta'- T*e RBI +a a,ed tocontr"0ute one6*a'! o! "t "n"t"a' cap"ta' o! R ; crore. and $"&en t*e #andate o!

runn"n$ t*e 1TI "n t*e "nteret o! t*e un"t6*o'der- T*e State Ban, o! Ind"a and

t*e 2"!e Inurance Corporat"on contr"0uted 7; per cent o! t*e cap"ta' eac*. and

t*e ret +a contr"0uted 0y c*edu'ed co##erc"a' 0an, +*"c* +ere not

nat"ona'"%ed t*en- T*" ,"nd o! tructure !or a un"t trut " not !ound any+*ere

e'e "n t*e +or'd- A$a"n. un'",e ot*er un"t trut and #utua' !und. t*e 1TI +a

not created to earn pro!"t-

In t*e coure o! near'y !our decade o! "t e)"tence. "t 4t*e 1TI9 *a

ucceeded p*eno#ena''y "n ac*"e&"n$ "t o0ject"&e and *a t*e 'ar$et *are

any+*ere "n t*e +or'd o! t*e do#et"c #utua' !und "ndutry- T*e e#er$ence

o! a !ore"$n e)pert dur"n$ t*e ett"n$ up o! t*e 1TI #a,e an "nteret"n$

tory- T*e announce#ent 0y t*e t*en F"nance M"n"ter t*at t*e 3o&ern#ent

o! Ind"a +a conte#p'at"n$ t*e eta0'"*#ent o! a un"t trut cau$*t t*e eye o!

Mr- 3eor$e Wood. t*e t*en Pre"dent o! t*e Wor'd Ban,- Mr- Wood too, a

$reat dea' o! "nteret "n t*e Ind"an !"nanc"a' yte#. a *e +a one o! t*e

pr"nc"pa' arc*"tect o! t*e ICICI. "n +*"c* *" 0an,. F"rt Boton Corporat"on

Ban,. *ad a "%ea0'e *are*o'd"n$- Mr- Wood o!!ered. t*rou$* Mr- B-K-

Ne*ru. +*o +a Ind"a E)ecut"&e D"rector on t*e Wor'd Ban,. t*e er&"ce o!

an e)pert- T*e Centre ju#ped at t*e o!!er. and a,ed t*e RBI to *o'd up t*e

!"na'"%at"on o! t*e un"t trut

Propoa' t"'' t*e e)pert &""ted Ind"a- T*e on'y po"nt Mr- Su''"&an #ade +a

t*at t*e pro&""on to '"#"t t*e o+ner*"p o! un"t to "nd"&"dua' #"$*t reu't "n

unnecear"'y retr"ct"n$ t*e #ar,et !or un"t- W*"'e #a,"n$ t*" po"nt. *e *ad

"n #"nd t*e pract"ce "n t*e 1S. +*ere #a'' pen"on !und are an "#portant

c'a o! cuto#er !or t*e un"t trut- T*e Centre accepted t*e !ore"$n

e)pert u$$et"on. and t*e neceary a#end#ent +ere #ade "n t*e dra!t

B"''- T*u. 0e$an corporate "n&et#ent "n t*e 1TI. +*"c* rece"&ed a 0oot

!ro# t*e ta) conce"on $"&en 0y t*e $o&ern#ent

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23/96

"n t*e 7 c*e#e- Becaue

o! *"$* '"Ju"d"ty t*e corporate ector ued t*e 1TI to par, "t '"Ju"d !und- T*"

added to t*e &o'at"'"ty o! t*e 1TI !und- T*e corporate 'o00y +*"c* per*ap

u0t'y oppoed t*e eta0'"*#ent o! t*e 1TI "n t*e pu0'"c ector #ade ue o!

"t !or "t o+n 0ene!"t 'ater- T*e 3o&ern#ent6RBI po+er $a#e tarted +"t* t*e

!"na'"%at"on o! t*e 1TI c*arter "te'!- T*e RBI dra!t o! t*e 1TI c*arter t"pu'ated

t*at t*e C*a"r#an +"'' 0e no#"nated 0y "t. and one #ore no#"nee +ou'd 0e on

t*e Board o! Trutee- W*"'e !"na'"%"n$ t*e dra!t B"''. t*e Centre c*an$ed t*"

t"pu'at"on- T*e C*a"r#an +a to 0e no#"nated 0y t*e 3o&ern#ent. a'0e"t "n

Conu'tat"on +"t* RBI- A't*ou$* t*e appo"nt#ent +a to 0e #ade "n

conu'tat"on +"t* t*e Reer&e Ban,. t*e 3o&ern#ent cou'd appo"nt a peron

o! "t c*o"ce a C*a"r#an e&en "! t*e Ban, d"d not appro&e o! *"#-

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BUSINESS DESCRIPTION:

T*e Ban, pr"nc"pa' act"&"t"e are to pro&"de co##erc"a' 0an,"n$ er&"ce

+*"c* "nc'ude #erc*ant 0an,"n$. d"rect !"nance. "n!ratructure !"nance. &enture

cap"ta' !und. ad&"ory. trutee*"p. !ore). treaury and ot*er re'ated !"nanc"a'er&"ce-

SUBSIDIARIES

T*e Ban, *a et up !"&e +*o''y6o+ned u0"d"ar"e

A)" Secur"t"e and Sa'e 2td-.

A)" Pr"&ate EJu"ty 2td-.

A)" Trutee Ser&"ce 2td-.

A)" Aet Mana$e#ent Co#pany 2td- and

A)" Mutua' Fund Trutee 2td-

A)" Secur"t"e and Sa'e 2td- +a et up "n Dece#0er 8


25/96

PROMOTERS:

1TI Ban, 2td- *a 0een pro#oted 0y t*e 'ar$et and t*e 0et F"nanc"a'

Int"tut"on o! t*e country.1TI- T*e Ban, +a et up +"t* a cap"ta' o! R- 77;

crore. +"t* 1TI contr"0ut"n$ R- 7


26/96

A)" Ban, " today one o! t*e #ot co#pet"t"&e and pro!"ta0'e 0an,"n$

!ranc*"e "n Ind"a- W*"c* can 0e c'ear'y een 0y an ana'y" o! "t

co#pre*en"&e port!o'"o o! 0an,"n$ er&"ce "nc'ud"n$ Corporate Cred"t. Reta"'

Ban,"n$. and Bu"ne Ban,"n$ Cap"ta' Mar,et. Treaury and Internat"ona'

Ban,"n$-

Te Po/11on 1n e f1nan21a! +ea. 8%%&8%#%


27/96

+,+ Boar! o( Directors

)ERSON DESIGNATION

Dr, A!ars- Kis-ore (hairman

S.t, S-i-a S-ar.a anaging &irector ? (F

S-ri ', ', Agra/a &ep!ty anaging &irector

S-ri J,R, Var.a &irector

Dr, R,H, )ati &irector

S.t, Ra.a Bi#a0urar &irector

S-ri R,B,1, Vais- &irector

S-ri ',V, Su""ia- &irector

S-ri K, N, )rit-$ira# &irector

S-ri V, R, Kaun!in2a &irector

S-ri S, B, 'at-ur &irector

S-ri ) J O#-a (ompany ecretary

2*


28/96

M1//1on

Cuto#er er&"ce and product "nno&at"on tuned to d"&ere need

o! "nd"&"dua' and corporate c'"ente'e-

Cont"nuou tec*no'o$y up $radat"n$ +*"'e #a"nta"n"n$ *u#an

&a'ue-

Pro$re"&e $'o0a'"%at"on and ac*"e&"n$ "nternat"ona' tandard-

E!!"c"ency and e!!ect"&ene 0u"'t on et*"ca' pract"ce-

Cuto#er Sat"!act"on t*rou$* pro&"d"n$ Jua'"ty er&"ce e!!ect"&e'y

and e!!"c"ent'y-

Co.e =a!;e/

/S#"'e. "t en*ance an "nd"&"dua' !ace &a'ue " a er&"ce

Jua'"ty treed on Per"od"c Cuto#er Ser&"ce Aud"t-

Ma)"#"%at"on o! Sta,e*o'der &a'ue-

Succe t*rou$* Tea#+or,. Inte$r"ty and Peop'e-

2


29/96

UNIT: AXIS BANK LIMITED

P'ot No- 7? to 8>. "t*a'rao Na$ar. Mad*apur. Hydera0ad Q ;


30/96

870 A1/ *ank offe./ 1/ /e.?12e/ )a>o.!+ 1n fo;. 3a./:

A- Perona'

B- Corporate

C- NRI

D- Pr"or"ty 0an,"n$

A7 Pe./ona!

A)" 0an, o!!er &ar"ou er&"ce !or "nd"&"dua' do#et"c cuto#er. +*"c*"nc'ude er&"ce '",e

7- Account

8- Depo"t

:- 2oan

>- Card

;- Fore)

5- In&t#ent

?- Inurance

@- Pay#ent

- Ot*er er&"ce

Te a22o;n/ offe.e- *+ a1/ *ank fo. 1/ 2;/o)e./ a.e:

17 Ea/+A22e// Sa?1n/ A22o;n

EayAcce Sa&"n$ Account $"&e "ntant acce tocuto#er #oney any+*ere. anyt"#e- Poe"n$ a ran$e o!un#atc*ed !eature. "t *a 0een de&"ed to 0etter u"t t*econ&en"ence o! our ec'ect"c c'"ent 0ae-

T*ee er&"ce can 0e a&a"'ed +"t* a #"n"#u# Juarter'ya&era$e 0a'ance o! R- ;.


31/96

117 K.1/1 Sa?1n/ A22o;n

- T*" product *a 0een pec"a''y de"$ned ,eep"n$ "n #"nd t*e

un"Jue reJu"re#ent o! a !ar#er and true to "t nature *a 0een

ca''ed t*e Kr"*" Sa&"n$ Account- T*" account " o!!ered +"t*

t*e reJu"re#ent o! #a"nta"n"n$ t*e *a'!6year'y a&era$e 0a'ance

o! R 7


32/96

No #"n"#u# 0a'ance cr"ter"a-

1npara''e'ed Acce 6 Any+*ere 0an,"n$ !ac"'"ty t*rou$* ournet+or, o! Branc*e. ATM and Internet 0an,"n$ !ac"'"ty-

At Par c*eJue0oo, paya0'e 'oca''y at a'' A)" Ban, 'ocat"on-

Internat"ona' De0"t cu# ATM card +"t* en*anced Ca*

+"t*dra+a' !ac"'"ty and ot*er &a'ue add on- On'"ne Ban,"n$ +"t* !und tran!er. on'"ne *opp"n$ and 0"''

pay#ent opt"on-

Depo"tory er&"ce +"t* !ree on'"ne trad"n$ account-

Mea' Card on a #ater card p'at!or#-

E#p'oyee Re"#0ure#ent account a a a&"n$ account&ar"ant-

Pre!erent"a' pr"c"n$ on 'oan product and cred"t card and ot*er0an,"n$ product ( er&"ceU-

?7 Wo)en/ Sa?1n/ a22o;n "/)a. 3.1?1!ee a22o;n'

In today 0uy +or'd "t tou$* 0e"n$ a +or,"n$ +o#an- R"$*t!ro# *utt'"n$ 0et+een a jo0 and !a#"'y to ta,"n$ care o! *er!"nance *e *a to 0e on *er toe a'' t*e t"#e- Keep"n$ t*" "n#"nd. +e at A)" Ban, *a&e de"$ned a a&"n$ account 0etu"ted !or t*e +o#an o! today- W"t* t*e S#art Pr"&"'e$e Account.you can #ana$e your #oney and your '"!e and a +e'' a enjoya *ot o! '"!ety'e pr"&"'e$e- Furt*er#ore A)" Ban, S#art

Pr"&"'e$e Account enure t*at you *a&e enou$* t"#e !or a'' t*e"#portant t*"n$ "n '"!e-

?17 P.1o.1+ *ank1n a22o;n

A a Pr"or"ty 0an,"n$ cuto#er you +"'' *a&e acce to ane)c'u"&e Pr"or"ty Ban,"n$ 2oun$e at 0ranc*e- T*" +"'' a''o+you to conduct your !"nanc"a' tranact"on "n ut#ot co#!ort andcon!"dent"a'"ty t*rou$* an e)c'u"&e Re'at"on*"p Mana$er-

?117 De)a A22o;n

A)" Ban, " a re$"tered #e#0er 4Depo"tory Part"c"pant9 o!NSD2- In t*" yte#. p*y"ca' ecur"ty *o'd"n$ are con&erted"nto e'ectron"c 4or "n ot*er +ord. de#ater"a'"%ed9 *o'd"n$- A)"Ban, *a 0een enro''ed a a Depo"tory Part"c"pant 0y t*e NSD26 Ind"a !"rt depo"tory- =ou can a&a"' o! a'' t*e depo"tory6

re'ated er&"ce 0y jut open"n$ an account +"t* NSD2 t*rou$*A)" Ban,-

32


33/96

?1117 Sen1o. 211en/ A22o;n

A)" Ban, Sen"or C"t"%en Sa&"n$ Account *a 0een de"$ned,eep"n$ "n #"nd t*e !act t*at a en"or c"t"%en 0an,"n$

reJu"re#ent are +*o''y d"!!erent and reJu"re pec"a'con"derat"on-A)" *a&e "ntroduced Sen"or C"t"%en ID card !ort*e"r Sen"or Pr"&"'e$e patron-

ID card act a an a$e proo! ena0'"n$ t*e# to redee# e&eryad&anta$e t*at t*ey are e'"$"0'e !or- T*" card +"'' *e'p t*e# toa&a"' o! certa"n ne&er60e!ore Sen"or6c"t"%en 0ene!"t at &ar"outore. er&"ce pro&"der and "nta''at"on acro t*e nat"on-

Apart !ro# pro&"de you +"t* t*e po+er to c'a"# $reat 0ene!"t.card a'o act a e#er$ency "n!or#at"on #ed"u#- In cae o!

e#er$enc"e. "t pro&"de t*e doctor and aut*or"t"e +"t* &"ta'data '",e t*e"r 0'ood $roup. a''er$"e. "''nee. addre ande#er$ency contact deta"'- T*" enure t*at t*ey are +e'' 'oo,eda!ter "n any "tuat"on. no #atter +*ere t*ey are-

17 Defen2e Sa!a.+ A22o;n

De!ence Sa'ary Account !ro# A)" Ban, " a product de"$ned

,eep"n$ "n #"nd *o+ tou$* a '"!e "n t*e De!ence Force "- Noton'y doe "t co#e to t*e# a0o'ute'y !ree. no #"n"#u# 0a'ance "reJu"red e"t*er- T*ey can a'o acce t*e ent"re A)" Ban,net+or,. "nc'ud"n$ #ore t*an @5 0ranc*e and o&er >


34/96

17 Aaa-1 No F.1!!/ A22o;n

It a a&"n$ account t*at doent reJu"re a #"n"#u# 0a'ance-E)per"ence a *ot o! unpara''e'ed !eature and *e"$*tenedcon&en"ence +"t* A%aad" Account-

A cuto#er Jua'"!y !or A%aad" "!

T*e u# tota' o! a'' cred"t to *" account doe not e)ceed

R 7 'ac dur"n$ t*e F"nanc"a' year.

T*ey do not "ntend to #a"nta"n an account 0a'ance *"$*er

t*an R ;


35/96

#7 De3o/1/ offe.e- *+ A1/ Bank:

17 F1e- De3o/1/

A)" Ban, o!!er "#p'e re"n&et#ent F")ed Depo"t 4at &eryco#pet"t"&e "nteret rate9. +*"c* can 0e opened +"t* a #"n"#u#"n&et#ent o! R 7@. 5. 5. 7


36/96

1117 En2a/ 8,

T*e Enca* 8> 4F'e)" Depo"t9 $"&e t*e '"Ju"d"ty o! a Sa&"n$ Account

coup'ed +"t* *"$* earn"n$ o! a F")ed Depo"t- T*" " ac*"e&ed 0ycreat"n$ a F")ed Depo"t '"n,ed to your Sa&"n$ Account pro&"d"n$ yout*e !o''o+"n$ un"Jue !ac"'"t"e

Ma1);) Re;.n/cuto#er #oney " no 'on$er "d'e- A oon a t*e 0a'ance "n yourSa&"n$ Account croe o&er R 8;.


37/96

Car 'oan

Perona' 2oan

2oan a$a"nt S*are

2oan A$a"nt Property

2oan A$a"nt Secur"t"e

Educat"on 2oan

Conu#er 2oan

,7Ca.-/ Offe.e- B+ A1/ *ank

17 C.e-1 Ca.-/

P'at"nu# Ad&anta$e Cred"t Card

P'at"nu# Cred"t Card

3o'd cred"t card

S"'&er cred"t card

Corporate Cred"t Card

Trut c*e#"t cred"t card

S*r"ra# cred"t card

eS*op cad

Eay cred"t card

117 De*1 Ca.-/

Pr"or"ty P'at"nu# C*"p De0"t Card

Pr"or"ty De0"t Card C'a"c De0"t Card

3o'd De0"t Card

3o'd P'u De0"t Card

Bu"ne 3o'd De0"t Card

1117 P.e3a1- Ca.-/

Tra&e' Currency Card Payro'' Card

3*


38/96

Corporate 3"!t Card

3"!t Card

Re+ard Card

Re#"ttance Card

Mea' Card Annu"ty Card

3


39/96

47 Fo.e offe.e- *+ A1/ *ank

T.a?e! C;..en2+ Ca.-/

T*e Tra&e' Currency Card $"&e "t cuto#er a 8>6*ouracce to #oney- W"t*dra+ !und "n t*e 'oca' currency !ro#any "a or "a P'u ATM 4Auto#ated Te''er Mac*"ne9 a+e'' a pay !or a'' your purc*ae "n any country you &""t.any+*ere "n t*e +or'd-

O;


40/96

57 In?e/)en Se.?12e/ offe.e- *+ A1/ *ank

3o'd In&et#ent

On'"ne trad"n$

Mutua' !und

De#at Account

4;


41/96

67 In/;.an2e Se.?12e/ offe.e-:

Safe G;a.-

A)" Ban, and Bajaj A''"an% 3enera' Inurance o!!er t*e Sa!e 3uardperona' Acc"dent Inurance co&er- A un"Jue po'"cy t*at o!!er"nurance co&era$e at pre#"u# t*at are e)tre#e'y co#pet"t"&e ande)c'u"&e'y #eant !or A)" Ban, cuto#er-

B;/1ne// A-?anae

Bu"ne " 0u"'t 0y "n&et"n$ o #uc* *ard +or,. t"#e. ener$y and#oney- T*e "n&ertor cou'd !ace *ea&y 'oe "! t*e 0u"ne pre#"eare 0ur$'ed or "! #ac*"nery 0rea, do+n- T*ere!ore t*" po'"cya!e$uard t*e"r "n&et#ent +"t* an "nurance co&er t*at protecta$a"nt 'oe due to un!oreeen ca'a#"t"e-

Safe Ho)e

Safe Ho)e. an "nurance po'"cy e)c'u"&e'y de"$ned !or A)" Ban,cuto#er. +*"c* pro&"de protect"on !or your property and &a'ua0'eat your *o#e-

Fa)1!+ ea!

Fa#"'y Hea't* "nurance pro$ra##e pro&"de a co#pre*en"&e *ea't*"nurance t*at co&er cuto#er. t*e"rr poue and : dependentc*"'dren up to t*e a$e o! 7@ year-

Safe Ho)e P!;/

41


42/96

Ho#e " a drea#. +*"c* " turned "nto rea'"ty +"t* +eat. pa"n.*app"ne. ener$y and t"#e- A)" Ban, *e'p you to protect t*" drea#a$a"nt un!oreeen ca'a#"t"e-

S1!?e. Hea!

Bajaj A''"an% S"'&er Hea't* P'an !or en"or c"t"%en protect t*e# andt*e"r poue "n cae t*ey need e)pen"&e #ed"ca' care- T*ey $etca*'e 0ene!"t or #ed"ca' re"#0ure#ent !or *op"ta'"%at"one)pene due to "''ne or acc"dent.

T.a?e! Co)3an1on

W*et*er tra&e' !or 0u"ne or p'eaure. "nternat"ona' tra&e' "n&o'&er",- Med"ca' treat#ent a0road can 0e e)pen"&e and one ne&er ,no++*en one +ou'd reJu"re "t- Ha&"n$ to pend !or #ed"ca' 0"'' "n !ore"$ncurrency can 0e e)pen"&e propo"t"on- T*ere are ot*er d"!!"cu't"tuat"on a'o. t*at one #"$*t !ace '",e 'o o! paport or 0a$$a$e-Bajaj A''"an% Tra&e' Co#pan"on " pec"a''y de"$ned to *e'p peop'edea' +"t* uc* "tuat"on +*"'e o&erea tra&e'.

Moo. In/;.an2e

T*ou$* "t " eay to o+n a &e*"c'e "t " e)pen"&e #a"nta"n"n$ a #otor&e*"c'e epec"a''y "n cae o! da#a$e caued to your &e*"c'e due too#e una&o"da0'e c"rcu#tance or acc"dent- Bajaj A''"an% Motore*"c'e Po'"cy *e'p "n #a"nta"n"n$ &e*"c'e "n uc* "tuat"on-

C.112a! I!!ne//

A cr"t"ca' "''ne p'an #ean you can "nure youre'! a$a"nt t*e r", o!er"ou "''ne "n #uc* t*e a#e +ay a you "nure your car and your*oue- It +"'' $"&e you t*e a#e ecur"ty o! ,no+"n$ t*at a $uaranteedca* u# +"'' 0e pa"d "! t*e une)pected *appen and you ared"a$noed +"t* a cr"t"ca' "''ne-

@e


43/96

T*e on'y product o! "t ,"nd "n t*e "ndutry. Ge+e''ery Inurancepro&"de co#p'ete ecur"ty !or $o'd je+e''ery. +*en "t " +orn 0y t*epo'"cy*o'der "n peron or +*"'e 0e"n$ carr"ed to t*e 0an, 'oc,er-A0o'ute ecur"ty ( co&era$e " $"&en a$a"nt 0ur$'ary ( !"re. "n repecto! "te# ,ept at *o#e 0an, 'oc,er- Reu't Co#p'ete peace o! #"nd-

43


44/96

$7Pa+)en/ /e.?12e/ offe.e- *+ A1/:

B1!! Pa+

A)" Ban, B"'' Pay er&"ce ena0'e you to #a,e ecure pay#ent!ro# t*e co#!ort o! your *o#e or o!!"ce- So "t t"#e to ay $ood0ye to'ate pay#ent !"ne. 'on$ Jueue. 'ot 0"''. and co##""on pa"d to'oca' errand 0oy-

ECS

It " an e'ectron"c c'ear"n$ yte# t*at !ac"'"tate paper'e cred"t de0"t tranact"on d"rect'y '"n,ed to your account and a'o pro&"de !or a!ater #et*od o! e!!ect"n$ per"od"c and repet"t"&e pay#ent-

T*rou$* ECS 4De0"t9. you can pay a'' your 1t"'"ty 0"''4e'ectr"c"tyte'ep*oneMo0"'e 0"''. cred"t card. etc9. Mutua' Fund 4SIP9.Inurance Pre#"u#. 2oan Inta''#ent. cred"t card pay#ent.

pay#ent o! donat"on and ot*er 0"'' pay#ent-

Ta ePa+)en/

In t*" er&"ce. Inco#e Ot*er D"rect Ta)e. a +e'' a Centra' E)c"e( Ser&"ce Ta)U t*rou$* "Connect can 0e pa"d !ro# account on'"ne and

can $et on6'"ne ac,no+'ed$e#ent o! t*e pay#ent 0y +ay o! a Cy0erRece"pt. "nc'ud"n$ C*a''an Ident"!"cat"on Nu#0er 4CIN9 "##ed"ate'ya!ter #a,"n$ t*e pay#ent-

D1.e2 a Pa+)en

T*e Ban, " aut*or"ed !or Co''ect"on o! Inco#e or Ot*er D"rect Ta)e

on 0e*a'! o! Centra' Board o! D"rect Ta)e 4CBDT9 +-e-! 7 Octo0er.8


45/96

Pen/1on D1/*;./e)en

T*e Ban, " aut*or"ed 0y RBI and M"n"try o! De!ence !ord"0ure#ent o! Pen"on to Ar#ed Force 4Ar#y. Na&y and A"r Force9peronne' t*rou$* "t 7;7 aut*or"ed 0ranc*e acro t*e country-

Oe. /e.?12e/ offe.e- *+ a1/ Bank o 1/ 1n-1?1-;a!

2;/o)e./ a.e:

MOBILE REFILL : RECHARGE AT THE ATM

An "nd"&"dua' can rec*ar$e *" #o0"'e ta', t"#e at any o! our ATM- He

doent e&en *a&e to 0e an A)" Ban, cuto#er- A'' *" need " a ISA de0"t

or cred"t card- I! *e " an A)" Ban, cuto#er. t*en *e can a'o ue *" A)"

Ban, de0"t card 40ot* ISA a +e'' a Mater card9-

LOCKER 41n#atc*ed protect"on !or your &a'ua0'e9

A Sa!e Depo"t 2",er +"t* A)" Ban, " t*e o'ut"on to an "nd"&"dua'

concern- 2ocated at e'ect 0ranc*e "n c"t"e a'' o&er t*e country. our 'oc,er

enure t*e a!e ,eep"n$ o! an "nd"&"dua' &a'ua0'e-

A-?anae/

W"de A&a"'a0"'"ty A on Marc* :7. 8


46/96

A)" Ban, o!!er an "nd"&"dua' t*e con&en"ence o! *opp"n$ at #any

#ajor On'"ne tore !ro# t*e co#!ort o! *" *o#e or o!!"ce- A'' *e need " an

Internet ena0'ed PC- He can c*ooe ( t*en $et *e "te# de'"&ered at *"

doortep- He can a'o a&a"' o! nu#erou on'"ne er&"ce. $et to ,no+ a0out

t*e current pec"a' o!!erd"count and $et a pre&"e+ o! t*e ne+ "te# added

on to t*e *e'&e 0y t*ee on'"ne reta"'erer&"ce pro&"der- He can *op a

#uc* a *e '",e and con&en"ent'y #a,e "ntant pay#ent 0y de0"t"n$ *"

account t*rou$* t*e ecured pay#ent c*anne'. "Connect Q Our Internet

0an,"n$ p'at!or#-

IPOSMART 4No+ "n&et "n IPO +"t*out 'ett"n$ $o o! your !und V9

An "nd"&"dua' A)" Ban, a&"n$ account no+ #a,e IPO app'"cat"on

a ea#'e and *a'e6!ree proce- Intead o! #o&"n$ out !und !ro# *"

account !or app'"cat"on to an IPO. t*e a#ount can no+ "#p'y 0e 0'oc,ed-

W*"c* #ean a 'on$ a t*e IPO *are are not a''otted. t*e !und tay +"t*

*"# and *e a'o $a"n "nteret on t*e# P'u *e $et t*e ecur"ty o! *a&"n$ t*ere!und d"rect'y un0'oc,ed and #ade a&a"'a0'e to you. "n *" account "te'! V

T*e a0o&e er&"ce " 0e"n$ #ade a&a"'a0'e "n accordance +"t* t*e

SEBI $u"de'"ne on ASBA 4App'"cat"on Supported 0y B'oc,ed A#ount9-

Benef1/

Interet on !und +*"c* ot*er+"e +ou'd *a&e #o&ed out o! youra&"n$ account-

No need to +r"te c*eJue or #a,e de#and dra!t-

Con&en"ent and tranparent #ana$e#ent o! !und- Intant re'eae un0'oc,"n$ o! !und a!ter a''ot#ent non6 a''ot#ent o!

*are-

ESae)en

A)" Ban, o!!er t*e !ac"'"ty o! E6State#ent- E6State#ent are ecure ande'ectron"c +ay to rece"&e tate#ent o! account !ro# t*e Ban,-

46


47/96

B7A1/ *ank offe./ Co.3o.ae /e.?12e/( !1ke:

#7 E2!;/1?e Bank1n Re-ef1ne- C!;*4% C;..en A22o;n

At a *a'! year'y a&era$e 0a'ance o! R- ;< 'ac 4R- 8; 'ac at Se#" 61r0an Rura' 0ranc*e9. t*" pre#"u# current account #oot*'y !u'!"''your da"'y 0an,"n$ reJu"re#ent-Ma"n Feature

Ded"cate re'at"on*"p #ana$er

2"!ety'e 0ene!"t pr"&"'e$e

Free doortep 0an,"n$

Free RT3S NEFT Fac"'"ty

Ca* Mana$e#ent Ser&"ce

Free Internat"ona' Bu"ne 3o'd De0"t Card

87=a.1o;/ +3e/ of C;..en A22o;n/ o /;1 e?e.+ *;/1ne//.e;1.e)en/'",e

T*e Ban, o!!er a ran$e o! current account product to #eett*e need o! t*e &ar"ou cuto#er e$#ent uc* a S#a''Enterpr"e. Trade. E)proer. Corporate and "ntu"t"on-

Nor#a' Current Account

Bu"ne Ad&anta$e Account

Bu"ne Se'ect Account

Bu"ne C'a"c Account

Bu"ne Pr"&"'e$e Account

C*anne' One Account

Current Account !or 3o&t Or$an"at"on

Current Account !or Ban,

Current Account !or Bu"'der ( Rea' Etate

Cap"ta' Mar,et Current Account

4*


48/96

Kr"*" Current Account

Bu"ne 3'o0a' Current Account

C'u0 ;< Current Account

In'and Road Tranport Current Account

Tra&e'. Tour"# and Hop"ta'"ty Current Account

2oca' Current Account Current Account !or P*ar#a

Current Account !or C*artered Accountant

T*ee product o!!er !'e)"0"'"ty to cuto#er to c*ooe !ro# t*e

a0o&e opt"on +"t* &ary"n$ #"n"#u# a&era$e Juarter'y 0a'anceco##"t#ent and c*ar$e tructure- In add"t"on to con&ent"ona' 0an,"n$

!ac"'"t"e. t*ee account o!!er Mu't"6C"ty at Par paya0'e c*eJue Q 0oo,

!ac"'"ty and any+*ere 0an,"n$ !ac"'"ty acro o!!er Mu't" Q c"ty At Par

paya0'e c*eJue Q 0oo, !ac"'"ty and any +*ere 0an,"n$ !ac"'"ty acro

0rac*e- Cuto#er can acce t*e"r account On'"ne t*rou$* Corporate

"Connect. A)" Ban, Internet 0an,"n$ p'at!or# a a'o t*rou$* Te'e6

Ban,"n$ !ac"'"ty and can rece"&e account 0a'ance "n!or#at"on on #o0"'e

te'ep*one and e'ectron"c #a"'- Cuto#er are u0ject to tranact"on

c*ar$e "nc'ud"n$ c*ar$e !or non6#a"ntenance o! t*e co##"tted

0a'ance-

A)" Ban, 0r"n$ d"!!erent ,"nd o! current account !or d"!!erent

type o! 0u"nee e'ect t*e one t*at 0et u"t an "nd"&"dua'

0u"ne reJu"re#ent-

A)" Ban, Current Account ca#e eJu"pped +"t* t*e !o''o+"n$

!eature to $"&e #a)"#u# &a'ue !or an "nd"&"dua' #oney-

Fea;.e/

An+


49/96

c*eJue at any o! A)" Ban, 0ranc*e- So 0an, at an "nd"&"dua' o+n

Con&en"ence-

In/an F;n- T.an/fe.

An "nd"&"dua' can tran!er !und "ntant'y 0et+een any o! A)"

Ban, 0ranc*e- Fund tran!er can 0e a!!ected on'"ne. r"$*t !ro# an

"nd"&"dua' t*rou$* A)" Ban, "nternet 0an,"n$ er&"ce-

Ine.ne Bank1n

A)" Ban, preent corporate "Connect Q a un"Jue net Ban,"n$

p'at!or# !or t*e current account cuto#er- A&a"'a0'e +"t* #u't"p'y uer

ID. depend"n$ on an "nd"&"dua' need- Acce an "nd"&"dua' account

at any t"#e !or# any+*ere- An "nd"&"dua' can tran!er !und to *" o+n

account or to t*"rd party account +"t*"n A)" Ban, ( Inter Ban,

co&er"n$ o&er 8;.


50/96

By cour"er and da"'y on e#a"'-

Mo*1!e Bank1n

Mo0"'e Ban,"n$ +"'' ena0'e an "nd"&"dua' to 0an, +"t* A)" Ban,

t*rou$* *" #o0"'e p*one "rrepect"&e o! +*ere an "nd"&"dua' are-

Fat trac, 'oan !or SME

W"de ran$e o! product !or t*e SME e$#ent

Or$an"ed pay#ent and co''ect"on o'ut"on

On'"ne ta) pay#ent or t*rou$* &at 0ranc* net+or,

Mo0"'e Ban,"n$ er&"ce a&a"'a0'e !or Current Account

07C.e-1 Se.?12e/ *+ A1/ *ank:

To 'ar$e Corporate

To A$r" Bu"ne

For SME un"te

M"cro!"nance

,7Be/1-e/ e/e /e.?12e/( A1/ *ank 3.o?1-e/ /e.?12e/1n e a.ea/ !1ke:

Cap"ta' Mar,et

Treaury

Ca* #ana$e#ent er&"ce

3o&t- 0u"ne

5;


51/96

C7 NonRe/1-en "Ee.na!' NRE Sa?1n A22o;n

Any peron re"dent out"de Ind"a #ay open NRE account- T*"

account per#"t a NRI to *oed and #a"nta"n !ore"$n currency earn"n$

"n Ind"an rupee- T*e Pr"nc"pa' and "nteret earned on t*ee 0a'ance

are !ree'y reporta0'e-

W*et*er an "nd"&"dua' are a tudent. a pro!e"ona'. a a'ar"ed

e#p'oyee or an entrepreneur. t*" account +"'' #eet a'' an "nd"&"dua'

0an,"n$ need-

Fea;.e/

2o+ #"n"#u# 0a'ance reJu"re#ent o! R ;.


52/96

D7P.1o.1+ Bank1n J Re/1-en

In a e$#entat"on tudy underta,en "n 8


53/96

Fea;.e/

Pr"or"ty Ban,"n$ 2oun$e

A a Pr"or"ty 0an,"n$ cuto#er an "nd"&"dua' +"'' *a&e acce to an

e)c'u"&e Pr"or"ty Ban,"n$ 2oun$e at 0ranc*e- T*" +"'' a''o+ an

"nd"&"dua' to conduct *" !"nanc"a' tranact"on "n ut#ot co#!ort and

con!"dent"a'"ty t*rou$* an e)c'u"&e Re'at"on*"p Mana$er-

Ded"cated Re'at"on*"p Mana$er

An "nd"&"dua' +"'' enjoy acce to a ded"cated Re'at"on*"p Mana$er

+*o +"'' 0e *" one po"nt contact at 0ranc* !or a'' An *" 0an,"n$

tranact"on t*u enur"n$ t*at An "nd"&"dua' +ou'd ne"t*er *a&e to

#o&e !ro# one counter to t*e ot*er nor tand "n Jueue to a+a"t *"

turn-

Ho#e Ban,"n$

E)per"ence t*e con&en"ence o! A)" Ban, *o#e 0an,"n$ !ac"'"t"e-

A&a"' o! !ree ca* and c*eJue p"c,6up de'"&ery at an "nd"&"dua' or

re"dence-

E)c'u"&e Pr"or"ty Ban,"n$ Internat"ona' De0"t card

T*" card a''o+ an "nd"&"dua' !ree acce to a'' ISA ATM "n Idea- T*e

card a'o co#e +"t* *"$*er ATM +"t*dra+a' '"#"tL *"$*er POS

tranact"on '"#"t at #erc*ant eta0'"*#ent. en*anced "nurance o&er

and a *ot o! pec"a' d"count and o!!er- An "nd"&"dua' a'o $et

Pre!ent"a' Interet Rate and 'o+ered Proce"n$ Fee on e'ect Reta"'

2oan-

In&et#ent Pr"&"'e$e

A&a"' o! a"tance "n !"nanc"a' p'ann"n$- In&et#ent ad&"ce #ar,et

"n!or#at"on report and "n&"tat"on to "n&etor #eet are o!!ered

co#p'"#entary to an "nd"&"dua'-

53


54/96

2"!ety'e pr"&"'e$e

Ho+e&er. "t a'' a0out jut !"nanc"a' er"e- We a"# to pro&"de a d"!!erent'"!ety'e e)per"ence t*rou$* 2"!ety'e pr"&"'e$e '",e e)c'u"&e "n&"tat"on

to #o&"e creen"n$. p'ay. #u"c concern and ot*er pec"a' e&ent

ponored 0y A)" Ban,. epec"a''y !or A)" Ban, Pr"or"ty Ban,"n$

Cuto#er-

Ot*er Ban,"n$ Pr"&"'e$e

Enjoy a *ot o! 0an,"n$ pr"&"'e$e '",e !ree at6par

c*eJue. de#and dra!t and pay order. !ree pa0oo,

update and #ont*'y tate#ent-

An "nd"&"dua' +ou'd a'o 0e ent"t'ed to t+o !ree #"nor

account. one !ree out+ard re#"ttance per Juarter and

!ree Mo0"'e 0an,"n$-

A a Pr"or"ty Ban,"n$ cuto#er. t*ere +ou'd 0e no "uance c*ar$e onA)" Ban, Tra&e' Currency Card-

54


55/96

Oe. SER=ICES:

ATM

T*e 0an, *a 42)3ATM a on :7-


56/96

S.ae12 T1e;3/ fo. ATM

We *a&e a'o t"ed up +"t* Wetern Ra"'+ay 4Mu#0a"9. Centra'

Ra"'+ay 4Mu#0a"9 Panta'oon. HPC2. and BPC2 !or ett"n$ up ATM

at t*e"r 'ocat"on-

A'#ot a'' cot re'ated to ett"n$ up and #a"ntenance o! an ATM

net+or, " !")ed- T*u. t*e c*a''en$e !or t*e Ban, *a 0een to #"$rate

cuto#er to t*" c*anne' and de&e'op ne+ trea# o! re&enue !ro#

t*" c*anne'. "n order to #a,e t*e c*anne' &"a0'e- T*e Ban, *a

ac*"e&ed tre#endou ucce "n t*" re$ard- We *a&e 0een a0'e to

#"$rate a0out


57/96

INTERNET BANKING

S"nce Apr"' 8


58/96

MOBILE BANKING

Mo0"'e 0an,"n$ +a 'aunc*ed 0y t*e 0an, "n Octo0er 8


59/96

SER=ICES ADDED TO GAIN COMPETETI=E AD=ANTAGE:

BUSINESS CONTINUITY CENTRE:

1TI Ban, +a t*e !"rt 0an, "n t*e country to et up a Bu"ne Cont"nu"tyCentre 4BCC9 "n Ban$a'ore +*"c* rep'"cate t*e ent"re centra'"%ed data0ae+"t* a &"e+ to ena0'e t*e Ban, to run #oot*'y "n cae o! any e&entua'"tya!!ect"n$ t*e Ban, Data Centre "n Mu#0a"- Eac* tranact"on t*at $etrecorded at t*e Data Centre $et re!'ected a'#ot "ntantaneou'yt*rou$* WAN on t*e 0ac,6up data0ae at t*e BCC-

CENTRALISED PHONE BANKING CENTRET*e Ban, Centra'"%ed P*one Ban,"n$ Centre pro&"de cuto#er acro t*ecountry acce to t*e Ban, o&er t*e p*one. *and'"n$ #u't"p'e Juer"e "n a0out

?


60/96

DATA CENTRE

T*e Ban, Data Centre "n Mu#0a". t*e centra'"%ed IT po+er*oue " '",e t*ecentra' ner&ou yte# o! t*e Ban,- It " a rea' t"#e 8>)? etup. +*"c*#ana$e 8?< product and er&"ce o! t*e 0an, +"t* a data0ae "%e o! 7@;< repondent con"t"n$ o! 0aed on

jud$#ent a#p'"n$ A'' repondent +ere t*e cuto#er o! A)" Ban,-

T*e #et*od +a "#p'e rando# a#p'"n$-

Daa So;.2e

For t*" project 0ot* pr"#ary and econdary data +ere &a'ua0'e

ource o! "n!or#at"on-

Se2on-a.+ -aa

Secondary data pro&"de a tart"n$ po"nt !or any reearc* and

o!!er &a'ua0'e ource o! a'ready e)"t"n$ "n!or#at"on- Secondary data

are t*e ea"et to $at*er and t*e cot o! co''ect"n$ t*" data " a'o &ery

'o+- For #y project +or, "t +a co''ected t*rou$* t*e *e'p o! &ar"ou

d"rector"e o! &ar"ou aoc"at"on. #a$a%"ne. ne+paper. +e0"te

etc- T*e d"rector"e *e'ped #e "n *ort '""tn$ peop'e. !or #y tar$et

peop'e-

So#e o! t*e d"rector"e #ade ue o! are a !o''o+

Te'ep*one d"rectory

Inco#e ta) o!!"ce

C"ty d"rectory

C*artered accountant d"rectory

63


64/96

Carpet "ndutr"e d"rectory

Ind"an #ed"ca' aoc"at"on d"rectory

Tranporter d"rectory

2a+yer d"rectory

Bu"'der ( contructor d"rector"e

P.1)a.+ -aa

Pr"#ary data are data !re*'y $at*ered !or a pec"!"c purpoe- For

#y project +or, t*e pr"#ary data +a co''ected 0y #ean o! ur&ey

t*ou$* Juet"onna"re-

Cona2 )eo-/

Once t*e c'"ent *ad 0een dec"ded no+ #y ta, +a *o+ to

contact t*e#. and !or #e t*ere on'y t+o +ay o! contact"n$ t*e#-

7- Pe./ona! 1ne.?1e


65/96

Internet Ban,"n$

Pay#ent

Ot*er Ser&"ce

T*e depo"t #") o! an or$an"%at"on epec"a''y t*e Sa&"n$

account are t*e 0ac,0one o! e&ery 0an, a an ord"nary #an " #ot

"nc'"ned to "n&et "n "t due to "t con&en"ence and eay a&a"'a0"'"ty- T*"

project dea' +"t* t*e &ar"ou cuto#er concern re$ard"n$ t*ee and

tr"e to u$$et appropr"ate u$$et"n$ 0aed on conc'u"on- I *ope

t*at t*" report +ou'd 0e a0'e to u$$et o#e #eaure and dra+

attent"on o! 0an, to+ard t*e area o! "#pro&e#ent-

076 L1)1a1on/ of S;-+

T*e tudy +a 0aed on a &ery #odet a#p'e "%e *ence

cannot 0e ca''ed a a repreentat"on o! t*e &"e+ and op"n"on o!

t*e #ajor"ty-

In a rap"d'y c*an$"n$ "ndutry. ana'y" on one day or "n one

e$#ent can c*an$e &ery Ju"c,'y- T*e en&"ron#enta' c*an$e

are &"ta' to 0e con"dered "n order to a"#"'ate t*e !"nd"n$-

T*e conc'u"on arr"&ed at are 0aed on a &ery 'e e)per"ence o!

reearc*er "n t*" !"e'd-

65


66/96

FACTS FINDINGS

66


67/96

87 FACTS FINDINGS

7# W12 a.e .o;3 -o +o; *e!on "AGE WISE'

S7 No7 Ae G.o;3 No7 of Re/3on-en/7 2e t*an 8; 5

8 8; to >< 7@

: >< to ;; 7 A0o&e ;; >

78 Ot*er 5

70 P!ea/e /3e21f+ +o;. ann;a! 1n2o)e

S7 No7 Ae G.o;3 No7 of Re/3on-en/

7 2e t*an 7 'a,* 5

8 7 to 8 'a,* @

: 8 to : 'a,* @

> : to > 'a,* @

; More t*an > 'a,* 7 2e For#a'"t"e 5

; ar"ety o! Product >

74 Wa k1n- of a22o;n -o +o; a?e 1n A1/ Bank


7 Sa&"n$ Account 7@

8 Current Account 7 NR2 Account 8

; Ot*er >

75 Wo 1nf!;en2e- o o3en an a22o;n 1n A1/ Bank HDFC

Bank


7 Fr"end and Re'at"&e 7>

8 Ad&ert"e#ent 78: Ban, E#p'oyee 7 Propectu >

76 Yo;. .e)a.k on 3.o-;2/ of A1/ BankHDFC Bank

S7 No7 Ae G.o;3 No7 of Re/3on-en/7 E)ce''ent 78

8 3ood 75

: A&era$e 7 Poor 8

7$ In 2o)3a.1/on o oe. *ank o<


69/96


7 E)ce''ent @

8 3ood 7@

: A&era$e 7 Poor 8

; Cant Say 8

7& Ho< !on -1- +o;.


70/96

7#% -o +o; 1nk e n;)*e. of 2o;ne. a?a1!a*!e a.e /;ff121en


7 =e :8

8 No @

*;


71/96

ANALYSIS INTERPRETATION

*1


72/96

07 DATA ANALYSIS INTERPRETATION

7# W12 a.e .o;3 -o +o; *e!on "Ae


73/96

78 Wa 1/ +o;. o22;3a1on

Ine.3.ea1on :

Mot o! t*e er&"ce c'a peop'e pre!er to open a Sa&"n$

Account "n co#par"on to t*e 0u"ne c'a peop'e- T*" #ay 0e

po"0'e due to t*e !ac"'"ty o! /Any+*ere Ban,"n$ u"t"n$ t*e"r need

and pre!erence-

*3


74/96

70 P!ea/e /3e21f+ +o;. ann;a! 1n2o)e

Ine.3.ea1on:

Inco#e doe not #a,e any d"!!erence a !ar a open"n$ t*e

account "n t*e A)" Ban, " concerned. a t*e 0ar d"a$ra# " &"&"d'y

re&ea'"n$ t*at #ore or 'e peop'e o! e&ery e$#ent o! "nco#e $roup

*a&e opened and are open"n$ t*e account e)pert one $roup "-e- 'o+er

"nco#e $roup +*ere e#p*a" " reJu"red to penetrate t*" $roup o "t

can 0e a"d t*at t*e tar$et $roup o! t*e a)" 0an,. pec"a''y !or a&"n$

account are o! e&ery e$#ent o! "nco#e $roup "nce "t " de&oted to

render 0et er&"ce to "t cotu#er-

*4


75/96

7,


76/96

74 Wa k1n- of a22o;n -o +o; a?e 1n A1/ Bank an-

HDFC Bank

Ine.3.ea1on :

Sa&"n$ account " t*e 'ead"n$ and attract"&e product !or t*e A)"

0an, a "t occup"e a #ajor c*un, "n t*" 0ar- It " c'ear'y "#p'y"n$ t*at

t*" product *a t*e a0"'"ty to at"!y t*e cuto#er- On t*e econd *ad

and t*e po"t"on current account and !")ed depo"t *a a'o 0een

*e'p!u' to "ncreae t*e cuto#er 0ae 0ut t"'' t*e"r per!or#ance need

to 0e "#pro&ed- One t*"n$ "n t*" 0ar +*"c* " "$n"!"cant " t*e 0u"ne

o! t*e 0an, " re'y"n$ on on'y !e+ 'ead"n$ product. reaon !or t*" cou'd

0e. ne"t*er "t *a '"#"ted ran$e o! product nor ret o! t*e product doe

not *a&e #uc* a0"'"ty to penetrate "n t*e t"!! #ar,et o! 0an,"n$ o!

Ga"pur- T*at " $"&"n$ an a'ar#"n$ #ea$e to t*e #ana$e#ent o! t*e

0an, to $o or ana'y%"n$ t*e "tuat"on &ery #"nute'y and #ut acerta"n

+*ere t*"n$ are $o"n$ +ron$ and !or t*at +*at *ort o! neceary tep

cou'd 0e ta,en- Pro&"d"n$ 0etter er&"ce "n co#par"on +"t* t*eco#pet"tor " a #ut !or e)ce''"n$ "n "ndutry-

*6


77/96

75 Wo 1nf!;en2e- o o3en an a22o;n 1n A1/ Bank o.

HDFC Bank

Ine.3.ea1on :

A "t " a"d a at"!"ed cuto#er " t*e 0et #ed"u# !or

ad&ert"e#ent "nce "n t*" 0ar !r"end and re'at"&e *a&e p'ay a ,ey ro'e

"n open"n$ t*e account !or ot*er. +*"c* "#p'"e t*at 0an, rea'

cuto#er are at"!"ed enou$* +"t* t*e !ac"'"t"e a&a"'a0'e on t*e

product and t*e er&"ce enjoyed 0y t*e#- An ad&ert"e#ent and 0an,

e#p'oyee #ore or 'e *a 0een $ood per!or#er "n t*e"r repect"&e

do#a"n- It re&ea' ad&ert"e#ent o! d"!!erent #ed"u#. a 0een a ,ey

!actor "n $enerat"n$ t*e a+arene a0out 0an, product a +e'' a

!ac"'"t"e t*at are #ade to a&a"'a0'e on t*en "n t*e peop'e #"nd-

**


78/96

76 Yo;. .e)a.k on 3.o-;2/ of A1/ Bank o. HDFC

Bank

Ine.3.ea1on :

A t*" 0ar " *o+"n$ at +*at 'e&e' peop'e are a&ed +"t* a&"n$

account. +"t* "t un"Jue !ac"'"t"e !eature. and a0"'"ty to er&e a'' t*e

need o! cuto#er 0ecaue 0y and 'ar$e "t can 0e a"d ?; peop'e are

a&"n$ $ood to a&"n$ account. t*" "#p'"e t*at t*" product *a 0een

a 'ead"n$ product and t"'' an attract"&e product o! t*e A)" 0an,-

Reaon !or t*" cou'd 0e d"!!erent type o! !ac"'"ty aoc"ated +"t* t*"

product. +*"c* are read"n$ true &a'ue to t*e cuto#er and #ar,et"n$

peop'e are a'o &ery #uc* de&oted to $"&e t*e 0et !ro# t*" part-

E!!ort #ut 0e $"&en to ,no+ +*y t*ey are peop'e +*o are t"'' ay"n$

a&era$e and poor a0out a&"n$ account and +*at are t*e !actor t*atare $o"n$ +ron$ +"t* t*at e$#ent o! peop'e-

*


79/96

7$ In 2o)3a.1/on o HDFC *ank o<


80/96

7& Ho< !on -1- +o;.


81/96

7#% Do +o; 1nk e n;)*e. of 2o;ne. a?a1!a*!e a.e

/;ff121en

Ine.3.ea1on:

A t*" 0ar $rap* *o+"n$ @8 peop'e are u!!"c"ent- W*"'e "t

*ou'd 0e 7


82/96

SWOT ANALYSIS

2


83/96

,7 SWOT ANALYSIS

S.en/

Support o! &ar"ou pro#oter

H"$* 'e&e' to er&"ce

Kno+'ed$e o! Ind"an #ar,et

Stron$ #ana$e#ent tea#

Co#pre*en"&e ran$e o! !"nanc"a' product ( Ser&"ce

Weakne//e/

2o+ #ar,et cap"ta'"%at"on

Not 0een !u''y a0'e to po"t"on "te'! correct'y

A&era$e &o'u#e o! 0ranc* net+or,

O33o.;n11e/

3ro+"n$ Ind"an 0an,"n$ ector

Peop'e are 0eco#"n$ #ore er&"ce or"ented "n t*e $'o0a' #ar,et

Tec*no'o$"ca' c*an$e

Increae o! ne+ 0ranc* net+or,

T.ea/

Fro# &ar"ou co#pet"tor

Fore"$n 0an,

3o&ern#ent 0an,

A$$re"&e co#pet"t"on trate$y a#on$ t*e #a"n 0an,

Econo#"c uncerta"nty "n $'o0a' #ar,et

3


84/96

CONCLUSION

4


85/96


86/96

RECOMMENDATION SUGGESTION

6


87/96

57 RECOMMENDATION SUGGESTION

Mot'y er&"ce c'a peron pre!er t*e a)" 0an, "n t*e

co#par"on o! 0u"ne and tudent and ot*er c'a peron

t*u "t need to pro#ote "t product and er&"ce t*at are o!!ered

#a"n'y !or t*e 0u"ne c'a peop'e and tudent- Becaue

t*ee t+o c'a !or# #ajor uer o! t*e 0an,"n$ er&"ce-

A)" 0an, " nor#a''y not u"n$ proper'y !or t*e current account

o "t popu'ar"ty rat"o " Ju"te do+n- T*" 0an, nor#a''y u"n$ !or

t*e 'on$ ter# p'ann"n$ '",e a&"n$ and FD-

T*" 0an, " not "n&et"n$ #ore "nto t*e #ar,et"n$ ector o I +"''

u$$et t*at o#e o! t*e part o! "nco#e "t "n&et"n$ "n t*e

ad&ert""n$ and #ar,et"n$ ector-

Into t*e co#par"on o! ot*er 0an, "t per!or#ance " Ju"te $ood

0ut not an e!!ect"&e o t*" #ay 0e do"n$ t*e rate +ere do+n

+"t* o#e ot*er !ac"'"t"e-

*


88/96

OBSERVATION*3

J his ta#le is ta#!lated with the help of response from 2;; clients onthe a#o$e mentioned

J In this ta#le 5 factors are ta"en !nder o#ser$ation to find attit!de of

(lients towards H&'( 7

ATTITUDE----: YES NO

DONT

KNOW

.,F '+(F

1 (KF

+I'+(IF,

11 52 3;

2 LK+7IG >I( 112 65 23

3 (FK,I(+IF, +0 *2 )6 32

4 (H+, ,& 6 6 46

5 + F' HF

7F+,9FH

(F0+,G:

*2 24 1;2


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)ERCENTAGE BASIS RATIO

ATTITUDE-:

YES NO

DONT

KNOW

.,F '+(F

1 (KF

+I'+(IF,

6) 16 15

2 LK+7IG >I( *2 22.5 5.5

3 (FK,I(+IF, +0 36 4 16

4 (H+, ,& 34 43 23

5 + F' HF

7F+,9FH

(F0+,G:

36 12 51

Gra0-ica Re0resentation o( 4 (actors un!er o"ser$ation

)


90/96


91/96

YES

NO

DONHT KNOW

RATE OF HO'E 1OAN 7CO',TO OTHER CO')AN6:

YES

NO

DONHT KNOW

)erce0tion o( E8isting Custo.er A"out T-e Co.0an2 For Ho.e 1oan

e ha$e analy/ed from the data mentioned a#o$e is that company has well positioned

in the cons!mers of home loan. +#o$e data shows the cons!mers@ perception $ery

clearly. (!stomer satisfaction of people is 6)M% in

fa$o!r of company% in comm!nication gap 36M people are there% in changing need

category 34M people exists% in the category rate of home loan 36M are satisfied

while 51M people don@t "now this category. o we can concl!de the existing

cons!mers ha$e positi$e perception a#o!t the company.

)1


92/96

APPENDIX

)2


93/96

APPENDIX

UESTIONNAIRE

-7 W*"c* a$e $roup do you 0e'on$

a9 2e t*an 8;

09 8; to >< to ;;

d9 A0o&e ;;

-8 W*at " your occupat"on

a9 Ser&"ce

09 Bu"ne

c9 Student

d9 Ot*er

)3


94/96

-: P'eae pec"!y your annua' "nco#e

a9 2e t*an 7 'a,*

09 7 to 8 'a,*

c9 8 to : 'a,*

d9 : to > 'a,*

e9 More t*an > 'a,*

-> W*at !eatureattr"0ute. +*"'e open"n$ an account do you e)pect

!ro# a 0an,

a9 u"c, Ser&"ce

09 ar"ety o! product

c9 2e !or#a'"t"e o! docu#ent

d9 Wor,"n$ *our

e9 Proper "n!or#at"on

-; W*at ,"nd o! account do you *a&e "n A)" Ban,HDFC BANK

a9 Sa&"n$ Account

09 Current Account

c9 F")ed Depo"t

d9 NR2 Account

-5 W*o "n!'uenced to open an account "n A)" Ban, HDFC BANK

a9 Ban, E#p'oyee

09 Propectu

c9 Ad&ert"e#ent

d9 Fr"end and Re'at"&e +ou'd you reco##end

)4


95/96

-? =our re#ar, on product o! A)" Ban, HDFC BANK

a9 E)ce''ent

09 3ood

c9 A&era$e

d9 Poor

-@ In co#par"on to ot*er 0an, *o+ +ou'd you rate A)" Ban,-

HDFC BANK

a9 E)ce''ent

09 3ood

c9 A&era$e

d9 Poor

e9 Cant Say

- Ho+ 'on$ d"d your +a"t "n Jueue

a9 =e09 No

-7< do you t*"n, t*e nu#0er o! counter a&a"'a0'e are u!!"c"ent

a9 =e

09 No

)5


96/96

67 BIBLIOGRAPHY

We*/1e/

+++-a)"0an,-co#

+++-"n!"nanc"a'-co#

+++-a)"0an,-co#)#'app'"cat"ona0outu!"nanc"a'"#a$eAnn

ua' 6 Report 6 8

comparision between axis bank and hdfc bank

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