hdfc online banking

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HDFC Online Banking HDFC Bank Limited (BSE: 500180, NSE: HDFCBANK, NYSE: HDB) is an Indian financial services company that was incorporated in August 1994. HDFC Bank is the fourth largest bank in India by assets and the second largest bank by market capitalization as of February 24, 2012. The bank was promoted by the Housing Development Finance Corporation, a premier housing finance company (set up in 1977) of India. HDFC Bank has 1,986 branches and over 5,471 ATMs, in 996 cities in India, and all branches of the bank are linked on an online real-time basis. As of 30 September 2008 the bank had total assets of Rs.1006.82 billion. [3] For the fiscal year 2010-11, the bank has reported net profit of 3,926.30 crore (US$863.79 million), up 33.1% from the previous fiscal. Total annual earnings of the bank increased by 20.37% reaching at 24,263.4 crore (US$5.34 billion) in 2010-11. [4] HDFC Bank is one of the Big Four banks of India, along with: State Bank of India, ICICI Bank and Punjab National Bank. History

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Page 1: Hdfc Online Banking

HDFC Online Banking

HDFC Bank Limited (BSE: 500180, NSE: HDFCBANK, NYSE: HDB) is an

Indian financial services company that was incorporated in August 1994. HDFC

Bank is the fourth largest bank in India by assets and the second largest bank by

market capitalization as of February 24, 2012. The bank was promoted by the

Housing Development Finance Corporation, a premier housing finance company

(set up in 1977) of India. HDFC Bank has 1,986 branches and over 5,471 ATMs,

in 996 cities in India, and all branches of the bank are linked on an online real-time

basis. As of 30 September 2008 the bank had total assets of Rs.1006.82 billion.[3]

For the fiscal year 2010-11, the bank has reported net profit of 3,926.30 crore

(US$863.79 million), up 33.1% from the previous fiscal. Total annual earnings of

the bank increased by 20.37% reaching at 24,263.4 crore (US$5.34 billion) in

2010-11.[4] HDFC Bank is one of the Big Four banks of India, along with: State

Bank of India, ICICI Bank and Punjab National Bank.

History

HDFC Bank was incorporated in 1994 by Housing Development Finance

Corporation Limited (HDFC), India's largest housing finance company. It was

among the first companies to receive an 'in principle' approval from the Reserve

Bank of India (RBI) to set up a bank in the private sector. The Bank started

operations as a scheduled commercial bank in January 1995 under the RBI's

liberalisation policies.

Times Bank Limited (owned by Bennett, Coleman & Co. / Times Group) was

merged with HDFC Bank Ltd., in 2000. This was the first merger of two private

banks in India. Shareholders of Times Bank received 1 share of HDFC Bank for

every 5.75 shares of Times Bank. In 2008 HDFC Bank acquired Centurion Bank of

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Punjab taking its total branches to more than 1,000. The amalgamated bank

emerged with a base of about Rs. 1,22,000 crore and net advances of about

Rs.89,000 crore. The balance sheet size of the combined entity is more than Rs.

1,63,000 crore.

===Business focus=== HDFC Bank deals with three key business segments. -

Wholesale Banking Services, Retail Banking Services, Treasury. It has entered the

banking consortia of over 50 corporates for providing working capital finance,

trade services, corporate finance, and merchant banking. It is also providing

sophisticated product structures in areas of foreign exchange and derivatives,

money markets and debt trading and equity research

Wholesale banking services

Blue-chip manufacturing companies in the Indian corp 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 for its corporate customers, mutual funds, stock

exchange members and banks.

Retail banking services

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. By March

2009, the bank had a total card base (debit and credit cards) of over 13 million. The

Bank is also one of the leading players in the “merchant acquiring” business with

over 70,000 Point-of-sale (POS) terminals for debit / credit cards acceptance at

merchant establishments. The Bank is positioned in various net based B2C

opportunities including a wide range of internet banking services for Fixed

Deposits, Loans, Bill Payments, etc. With Finest of Technology and Best of Man

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power in Banking Industry HDFC BANK's retail services have become by and

large the best in India and since the contribution to CASAi,e total number of

current and savings account of more than 50% ,HDFC BANK has full potential to

become Indias No.1 Private Sector Bank. HDFC Bank website including

hdfcbank.com and hdfcsec.com are not available 24X7. This has become a habit of

HDFCBank. Customers of the HDFC Bank are requested to check the website

availability 24 X 7 and if available can do the transaction. If the website is not

available they are asked to visit their home branch.

Treasury

Within this business, the bank has three main product areas - Foreign Exchange

and Derivatives, Local Currency Money Market & Debt Securities, and Equities.

These services 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.

Credit Cards Online FAQs

Who can use the Credit Cards NetBanking service?

All customers who have a valid HDFC Bank Credit Card and are registered for

NetBanking can use the Credit Cards NetBanking service. Your card account

should be live and in regular status for using this service.

How can I register for this service?

The process for registering your Credit Card for NetBanking is easy.

A. If you are an HDFC Bank Account Holder and have already registered

for NetBanking

Step 1: Choose "NetBanking" button on the HDFC Bank home page and

click on LOGIN.

Step 2: Click on "Continue"

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Step 3: Once inside NetBanking, click on "Credit Cards" Tab

Step 4: Click on "Register New Card" link on the left side margin.

Step 5: Enter your Credit Card number, expiry date and the ATM PIN

number and click on "Submit".

After this one-time registration you will be able to access your Credit Card

account through your existing HDFC Bank account customer ID and IPIN.

B. If you are an HDFC Bank Account Holder and have not registered for

NetBanking

You have to first register for NetBanking service. The application form for

the same is available at all HDFC Bank branches and also on our website.

After you receive the IPIN (NetBanking password), please follow the steps

mentioned above.

C. If you hold a valid HDFC Bank Credit Card but are not an HDFC Bank

Account Holder

I have a HDFC Bank Credit Card and a current/savings account with

HDFC Bank. I have registered only for Credit Cards NetBanking. Will

I be able to view my HDFC Bank account details also?

No. Your Credit Card account is separate from your current/savings account.

If you have registered only for Credit Cards NetBanking, you will be able to

view only your Credit Card account details online.

What can I do using Credit Cards NetBanking?

Currently, you can use the following Credit Cards NetBanking features,

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Enquiry

View Account Information

View Unbilled Transactions

View Statement

Requests

Autopay Register (Only for HDFC Bank account holders)

Autopay Deregister (Only for HDFC Bank account holders)

Statement on E-Mail

Register New Card

Deregister Card

Credit Card Payment (Only for HDFC Bank account holders)

Request for Duplicate statement

Pin request for Add on Cards

Loan Details

Why is my NetBanking password not functioning?

There could be various reasons for the password not functioning:

The password is case-sensitive and may not have been entered in the same

lower or upper case

You have not used the NetBanking facility for more than 180 days (or 120

days if you have registered only for Cards)

You have entered the wrong password five (5) times

How do I change my password?

After you have logged in, you can change your password using the "Change

password" option on the top part of the screen. You have to type the current

password & the new password in the respective entry boxes.

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I have changed my password but am unable to use my old or new password.

What am I supposed to do?

This is possibly because:

1) You have not keyed in the new password correctly

OR

2) After Five unsuccessful attempts, access to NetBanking has been disabled for

security reasons.

Your password will be enabled after 24 hours. If you are not able to login even

after 24 hours, please go to the "Forgot password" option and choose a new

password.

What information can I view under account information?

The following details are displayed on the screen

Total Credit limit

(This the total credit limit assigned to you at the time of card setup)

Available Credit limit

(This is the credit limit available to you as of today and is exclusive of total

outstanding amount - Billed and Unbilled)

Available Cash limit

(This is the cash limit available to you as of today)

Total billed amount

(This is the total amount billed on your last statement)

Payment due date

(This is the payment due date for your last statement. Minimum Payment

has to be credited to your Card within this date to avoid Late Payment

Charges )

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Minimum Amount due

(This is the minimum amount due as per your last statement.The balance

outstanding after paying the Minimum Amount due will be charged

interest).

Total unbilled amount

(This is the sum of all retail transactions - both debit and credit, done by you

after the last statement date.)

Total outstanding authorizations amount

(This is sum of all the retail transactions done by you but not appearing

under Total unbilled amount and the non-retail transactions after the last

statement date which are authorised by you and are yet to be billed to your

account. It includes the Cash-on-Call principal amount, EMI amount, Cash

withdrawal, and Balance Transfer amount which is outstanding on your card

account.)

Reward Points balance - Last Statement

(This shows the total rewards points you had accrued till the last statement

date)

Rewards Points balance - Current

(This shows the total reward points you currently have in your card account)

How can I view my monthly card statement?

The following details are displayed on the screen

Step 1: Click on the "View Statement" link that appears on the left side margin of

the screen.

Step 2: Select your card number and the period for which you want the statement.

Step 3: Click on "View"

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How can I see the details of transactions done on my card after my last

statement date?

The following details are displayed on the screen

Step 1: Click on "View Unbilled Transactions" link on the left side margin.

Step 2: Select the Card Number and the type of transactions (Debit/Credit) you

want to view.

Step 3: Click on "View".

What is meant by unbilled transactions?

The transactions done on your card after the last statement date which will be

included in your forthcoming billing statement, are called unbilled transactions.

Can I make an interim payment for a month based on the online Account

Information even before the statement generation date for that period?

Yes, you can make interim payments based on the Account Information.

What is Autopay facility?

Autopay is a facility available to HDFC Bank account holders, which takes care of

the payment of your Credit Card bills. If you register for Autopay facility, your

Credit Card statement outstanding amount will be debited from your HDFC Bank

account automatically on the payment due date every month. The payment will be

credited in your Credit Card account on the next day.

How can I register for Autopay?

Step 1: click on "Autopay register" on the left side margin.

Step 2: Select the card number which you want to register for Autopay facility and

your HDFC Bank account number from which the payments will be done.

Step 3: If you want the full statement bill amount to be paid from your Bank

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account select "Total amount due" and if you want only the minimum amount due

(5% of your total statement amount) to be paid every month from your Bank

account select "Minimum amount due".

Step 4: Click on "Continue" and then on "Confirm".

A message will be displayed on the screen confirming the successful registration of

your Credit Card for Autopay. Please Note that it takes 7 days to activate the

Autopay facility for your credit card account. If your payment due date is 7 days

away from the date of registration for Autopay, kindly pay your monthly bill this

time by the usual mode as Autopay will be effective from the next billing cycle

only.

Can I deregister for Autopay for only 1 month and then re-register for it?

Yes, you can deregister for the Autopay facility for 1 month and then you can

register for it again.

Step 1: Click on "Deregister Autopay" link on the left side margin.

Step 2: Select the card number which you want to deregister and click on

"Continue" and "Confirm" respectively.

A message confirming the successful Autopay deregistration for your card will be

displayed on the screen. Whenever you want to avail the facility again, you can

follow the steps for Autopay registration mentioned above.

How can I change my Credit Card ATM PIN?

Step 1: Click on "ATM PIN change" link provided on the left side margin.

Step 2: Select your card number from the drop down box and click on "Continue".

A message will appear on the screen confirming the successful submission of your

ATM PIN change request.

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When will I receive my changed ATM PIN?

You will receive your new ATM PIN by post within 10 days from the request

submission.

How safe will my ATM PIN be?

Your ATM PIN is totally safe as no one (not even the bank staff) will have access

to it except you

Can I get my newly generated PIN online?

No, for security reasons, we send your ATM PIN only by post.

What is statement on E-mail? How useful is this?

This is a service wherein your monthly Credit Card statement will be sent to your

office/residence Email ID in PDF format once you register for this service. You

will continue getting the physical statement also. This is very convenient and time

saving for you. You need not wait for the physical statement and you can make

your Credit Card bill payments basis this E-statement.

How can I register for statement on E-mail?

Step 1: Click on "Statement on E-mail" on the left side margin.

Step 2: Select "Office" or "Residence" (wherever you want the E-statement to be

sent).

Step 3: Accordingly your office/residence Email ID will be displayed in the next

input box. Click on "Continue" and "Confirm".

A message will appear confirming your request for statement on E-mail. Please

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note down the reference number which appears above the confirmation message as

it will be useful for any further communication with us.

How can I de-register for the Credit Cards NetBanking service?

Step 1: Click on "Deregister card".

Step 2: Select the card number and click on "Confirm" for discontinuing

NetBanking facility for your Credit Card.

How safe are my requests on NetBanking?

You can be assured of complete privacy when you use HDFC Bank's NetBanking

facility. We have built several checks to safeguard your NetBanking requests.

Before you gain access to your account, you will be asked to enter your unique

Customer/Login ID and IPIN/password to verify your identity. To maximise the

security and confidentiality of your requests, your password is not accessible to

anyone, not even to bank employees. When you log-in to NetBanking, your last

date and time of log-in will be displayed so that you can make sure that nobody has

accessed your account after that time. In order to ensure complete security, please

remember to completely log out of NetBanking after you have completed your

transactions.

Are there any special benefits to me for using NetBanking?

NetBanking saves your time and provides you the convenience of transacting from

your home/office.

What kind of hardware and software are recommended for using NetBanking

more efficiently?

Hardware: You need to have a Pentium PC with 32 MB RAM, 2.1 GB Hard Disk

Space with 500MB free space.

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Software: You need to have a browser: Internet Explorer Version 5.5 or Netscape

Navigator Version 4.7.

What are the measures I can take to ensure greater security?

You should log out completely from the NetBanking when leaving your PC.

Change your password continuously, choose a 6 to 8 digit password

(alphanumeric) and change it regularly; avoid obvious passwords (names of

family members, pets, favourite musician etc), and don't reveal your

passwords to anyone.

You should not write the password down on any paper which may be easily

accessible to anyone.

Put in a power-on password in your computer so that nobody else can switch

it on without your authorization.

Have a screensaver password so that when you are away from your

workstation nobody else can access it.

If you think someone knows your password go online and change it

immediately.

If you are using the Internet in a public place (e.g. a Cyber Cafe) do not

leave the PC unattended, and ensure that no-one is watching what you type.

Logoff from NetBanking upon completion of your session. Use the Log Out

button to Log out so that the session closes and don't shut the window to Log

off. This will thus prevent the viewing of previous pages of your online

session through your PC.

You should consider running a Personal Firewall, which will prevent

unauthorised persons from accessing your computer and guard against the

introduction of malicious programs onto your PC.

How do I request for Duplicate statement?

Step 1: Click on "Request Duplicate statement" link provided on the left hand side.

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Step 2: Choose a card and choose the month for which you want the Duplicate

statement.

For what period can I request for a Duplicate Statement?

You can request for a Duplicate statement for any of the previous 8 months +

current month. The duplicate statement (physical copy & email statement, if email

id is updated) will be delivered to your registered address in 7-10 working days.

Is there any charge for this service?

There is no charge for this service.

How do I request a PIN for my Add-On card ?

Step 1: Click on "Credit Card ATM PIN" link provided on the left hand side.

Step 2: Choose a card from the list and click on the "PIN Request for Add-On

Cards" link provided below.

Step 3: Choose the Add-On Card number for which you want the PIN and click

"Continue"

How will the PIN be delivered to me?

PIN would be dispatched to your mailing address as registered in our records.

Please ensure that your latest address is updated with us.

Can I request for ATM PIN for an Add-On card?

Customers can request for ATM PIN for their Add on cards also.

NetBanking

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NetBanking is HDFC Bank's Internet Banking service. Providing up-to-the-second

account information, NetBanking lets you manage your account from the comfort

of your mouse - anytime, anywhere

Your Account Statement is just a click away !

You can download your Account Statement upto 2 years from NetBanking.

Download upto 6 months statement: This allows you to download statement for

current month and previous 5 months.

Download historical statement: This allows you to download statement for

Previous Financial year and the past 12 months. The Range is a maximum of 300

transactions.

The statement can be downloaded in the formats listed below:

PDF Format

Excel Format

MS Money Format

Text Format

Delimited Format

To view records prior to 2 years, please use the "Request Account Statement"

option or contact PhoneBanking or your Branch.

Introducing a simpler way to register for NetBanking without any paperwork.

You can now register for NetBanking online and instantly. Click here to

register now.

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What can I do using NetBanking?

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

View Account Balances & Statements

Download upto 6 Account statement (for the past 5 months & current month)

Download Historical Account statement (for Previous Financial year & past 12

months)

Transfer Funds between accounts

Create Fixed Deposits/ Recurring Deposits Online

Request a Demand Draft

Pay Bills

Order a Cheque Book

Request Stop Payment on a Cheque

View Loan Details

View Tax Credit Statement

And lots more

View our NetBanking Demo to find out more about what you can do online.

Why should I use NetBanking?

Internet Banking is the most convenient and powerful way to manage your

account.

NetBanking is Real Time, giving you up-to-the-second details on your account.

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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 NetBanking you are

in control.

HDFC Bank's NetBanking service is secure. Using industry-standard

technologies and infrastructures, our service gives you peace of mind.

HDFC Bank NetBanking Secure Access

HDFC Bank has implemented a new security solution for its customers - Secure

Access

As your security is our top priority, we have initiated the Secure Access solution to

protect you from fraudsters and hackers - who are looking to find a way to access

your account.

Currently following transactions are covered under Secure Access

Transfer from one HDFC Bank account to other HDFC Bank account holders

(under distinct customer ID)

Transfer from HDFC Bank account to any other Bank's account (also known as

RTGS & NEFT)

Visa CardPay

Third Party Demand Draft through NetBanking

DirectPay / Online Shopping

Let us take you through the steps involved in Secure Access and how it serves to

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protect your account

HDFC Bank’s NetBanking login is now a two step process

Screen 1 is where you key-in your customer id

Screen 2 is for your password

This is done as a security measure. On putting in your customer id, our backend

will verify if you are registered for Third Party Transfers.

If you are not Third Party Transfer registered, the next screen will have a box to

key-in your password.

If, however, you are registered for Third Party Transfers you will shown an

image and text that have been personalised by you during registration for Secure

Access.

Secure Access is an additional layer of security that is essentially a solution

protecting your account from hackers and fraudsters. Secure Access requires a one-

time registration effort from your side.

Why use Secure Access? Please click here to know more

To register for Secure Access you will need to:

Personalise an image

Personalise text

Answer 5 questions

Third Party Transfer Online

Third Party Transfer

Third-Party Transfer is a NetBanking feature for which you will need your unique

Customer ID and IPIN (password). Login to NetBanking to confirm that your ID is

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active in our records.

What is TPT?

With Third-Party Transfer (TPT) you can transfer funds online from your HDFC

Bank account to another HDFC Bank/Other Bank account (beneficiary), anywhere

in India.

This is a real-time transaction and the debit and credit will reflect in the respective

accounts immediately.

Third Party Transfer can be initiated:

From your Account to other Bank Accounts using

National electronic Funds Transfer (NEFT) - The Funds transfer request made

by 6 p.m. will be presented to RBI on the same day. The Funds transfer request

made after 6 p.m. will be presented to RBI on the next working day. On Saturdays,

funds transfer request made by 12 pm. will be presented to RBI on the same day

and funds transfer request made after 12 pm will be presented to RBI on the next

working day. Funds transfer request made on non- working days will also be

presented to RBI on the next working day. Once the transactions are presented to

RBI, they typically get credited into the Beneficiary Account on the same day.

Real Time Gross Settlement (RTGS) - The Funds transfer request can be made

only from 9 a.m to 3.30 p.m.from Monday to Friday and from 9 a.m. to 12.30 p.m.

on Saturdays.There will be no RTGS transactions possible on Bank holidays and

Sundays.The money will reach the Beneficiary's Bank within the time stipulated by

RBI. Once the transactions are presented to RBI, they typically get credited into

the Beneficiary Account on the same day. click here to know more

Within HDFC Bank - From your HDFC Bank account to other HDFC

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Bank accounts (different cust ids). Funds will be credited to the beneficiary

account instantly.

Visa CardPay - From your account to any Visa Credit Card within

India.Your account will be debited online, and the funds will be sent to the

beneficiary Bank within 2 working days using the Visa system. The

Beneficiary Bank will then transfer the funds to the beneficiary's card

account. click here to know more

Third Party Demand Draft - For issuance of Third Party Demand Drafts

from your account. DDs will be couriered to the mailing address /

beneficiary address provided within 4 working days.

DirectPay / Online Shopping. click here to know more

You can transfer upto a maximum of Rs. 10,00,000/- per cust id per day using this

facility. This amount can be transferred in parts or on a single basis.

I want to register for Third Party Transfer facility

Please follow the below steps to register for Third Party Transfer (TPT) facility

online

Login to NetBanking with your Customer Id and IPIN

Click on the 'Third Party Transfer' tab and follow the instructions

You will receive a One Time Password (OTP) on your Mobile No

Please note:

1. This service is for all customers who have their mobile number registered

with the Bank.

2. Current account customers need to be registered for financial rights in order

to conduct TPT transactions.

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Please follow the steps below to check your registered contact details:

Log into NetBanking with your Customer Id and Password (IPIN)

Click on 'Contact Details' on the top right hand side to check if the contact

details are correctly updated

In case you wish to register for Third Party Transfer (TPT) by submitting a request

form, please follow the instructions below

Step 1) Fill up the TPT application form (duly signed by the account holder/s).

Step 2) Submit / send it to the nearest HDFC Bank Branch.

Step 3) All TPT requests submitted at the branch need to be accompanied with the

original Photo ID proof and a self attested copy of the same.

NRI Customers unable to visit the branch, can submit the TPT registration form

along with self attested Photo ID Proof.

Note / Important:

Request received through Phone Banking, NetBanking, e-mail, scanned, or

faxed copy will not be processed.

If your form is in order, the TPT facility will get activated within 4 working

days from the date of receipt of your request.

For any other queries regarding the above or to know the status of an existing

application, please call up phone banking or write to us with below details.

HDFC Bank Branch /mode where your request was submitted.

Date when your request was submitted.

How Can I Use TPT?

Inorder to use the Third Party Transfer service, you need to add a beneficiary first.

Steps to add a beneficiary:

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Log on to www.hdfcbank.com and enter your Customer ID and Password

( IPIN)

Go to Third Party Transfer and click on "Add a beneficiary".

Select Beneficiary Type – Transfer within the Bank / Transfer to other bank

(using NEFT) / Transfer to other bank ( using RTGS)

Fill in the beneficiary details and confirm

To Transfer Funds choose the account you want to transfer funds from and also

choose the beneficiary. Enter the details of your transaction, fill in the transaction

amount, and submit the information.

Note :

The validity of the beneficiary's account will be the sole responsibility of the

user of Third Party Transfer.

A Joint Account Holder will not be allowed to transfer money unless he has

Financial Transaction Rights.

There are special regulations governing the Financial Transaction Rights of

Partnerships.

The beneficiary details will be activated post 12 hours.

Adding a beneficiary is a one time process.

HDFC BANK

Housing Development FinanceCorporation

HDFC Bank was incorporated in August 1994

Among the first in new generation commercialbanks

Registered office in Mumbai, India

Promoted by HDFC, the parent company

Listed in NSE, BSE, NYSE(ADR)

BRANCH NETWORK

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1. 1416 branches

2. 3382 ATM’s in the country

3. 550 cities in India

4. All branches are OLRT connected

5. Representative offices in HongKong, NewYork, London & Singapore

BUSINESS PROFILE

o Major business key areas are:-

o Wholesale banking services

o Retail banking services

o Treasury operations

OBJECTIVES OF THE STUDY

To know concept of Banking sector & explorevarious services provided by

HDFC Bank

To know which is the most popular scheme of the bank & promotional

efforts adopted byHDFC bank.

To know problems faced by customers.

To find out awareness level & cause of dissatisfaction towards direct

banking channels.

To provide suggestions for improvement.

SAVING ACCOUNT

Ragular saving account

Sweep-in account

Senior citizen account

CURRENT ACCOUNTS

Ragular current account

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Premium current account

HDFC bank trade

HDFC bank plus

FIXED DEPOSITS

Simple FD

Super saver account

5 year tax saving FD

OTHER SERVICES ARE:-

Loans

Demat account

Free 24 hours atm

Phone banking

Intercity/ interbranch banking

Net banking

Bill pay

Debit cards

FINDINGS

People get attracted towards special offers while opening an account.

Saving account is the most important product, next come FD then currently

and lastly demat account.

Super saving account is most important scheme in FD.

ATM facility is mostly used among all banking channels.

HDFC Bank is preferred the most because of facilities & better plans.

CONCLUSION

HDFC bank is providing a number of products & services to its customers. As we

have seen the features & benefits of these products & services. But the bank is

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facing competition from both private & public sector banks. So bank should adopt

promotional efforts & should improve its products and services so that it can exist

in this competitive environment.

Bibliography

http://www.google.co.in/

http://www.hdfcbank.com

http://en.wikipedia.org/wiki/HDFC_Bank