Mba Project Report On HDFC Bank

A Project Report On
A project study on BANKING AT HDFC

BANK LTD.
Submitted by:
XXXXXX XXXXXXX
XXXXX University, Mumbai
MBA in Banking (Finance)
www.readymadeproject.com
www.programmer2programmer.net
DECLARATION
I undersigned XXXXX XXXXX
student of MBA 3rd semester declare that I have done the
project on BASIC BANKING AT HDFC BANK LTD. has been personally done by me under
the guidance of Prof. XXXXX XXXXXXX rajkot in partial fulfillment of MBA Programduring academic year-2008-10. All the data represented in this project is true & correct to the
best of my knowledge & belief.
I also declare that this project report is my own preparation and not copied from anywhere else.
Date 10-7-201X
Signature
XXXXX XXXXXX
ACKNOWLEDGEMENT
I take this opportunity to express my deep sense of gratitude, thanks and regards towards all of
those who have directly or indirectly helped me in the successful completion of this project.
I present my sincere thanks to Mr. XXXX XXXX (Branch Manager, bhavngar ) who allowed
me to take training at HDFC BANK.
I would also like to thank HDFC bank Staff for their wonderful support & inspirable guiding.
I also thank Prof. XXXX sir XXXX, Rajkot & prof XXXX sir knvibm who has sincerely
supported me with the valuable insights into the completion of this project.
I am grateful to all faculty members of XXXX rajkot and my friends who have helped me in the
successful completion of this project.
Last but not the least I am indebted to my PARENTS who provided me their time, support and
inspiration needed to prepare this report.
Date: -10-8-201X
Place: -Bhavnagar
Signature
XXXX XXXXX
CONTENTS
CHAPTER
1.
PARTICULARS
INTRODUCTION................................................................................
1.1
1.2
1.3
1.4
1.5
1.6
1.7
PAGE NO.
HISTORY OF BANKING.................................................
MISSION,VISION AND BUSINESS STEATEGY..
BOARD OF DIRECTORS&TOP MGT......................
BUSINESS HEADS..
AWARDS.
INTEGRATED FINANCIAL SERVICES.
BUSINESS SEGMENT.
PRODUCT OF HDFC BANK.

1.1 ACCOUNTS & DEPOSITES..
1.2 LOANS..
1.3 CARDS..
1.4 INVESMENT&INSURANCE..
1.5 FOREX&TRADE SERVICE..
1.6 PAYMENT SERVICES......
1.7 PRIVATE BANKING
DEPARMENT OF HDFC BANK

1.1 HUMAN RESOURSE DEPARTMENT...
1.2 MARKETING DEPARTMENT
1.3 FINANCE DEPARMENT
4
SWOT ANAYSIS.
BIBLIOGRAPHY
HISTORY OF BANKING
Banking is nearly as old as civilization. The history of banking could be said to have started with
the appearance of money. The first record of minted metal coins was in Mesopotamia in about
2500B.C. the first European banknotes, which was handwritten appeared in1661, in Sweden.
cheque and printed paper money appeared in the 1700s and 1800s, with many banks created to
deal with increasing trade.
The history of banking in each country runs in lines with the development of trade and industry,
and with the level of political confidence and stability. The ancient Romans developed an
advanced banking system to serve their vast trade network, which extended throughout Europe,
Asia and Africa.
Modern banking began in Venice. The word bank comes from the Italian word ban co,
meaning bench, because moneylenders worked on benches in market places. The bank of Venice
was established in 1171 to help the government raise finance for a war.
At the same time, in England merchant started to ask goldsmiths to hold gold and silver in their
safes in return for a fee. Receipts given to the Merchant were sometimes used to buy or sell, with
the metal itself staying under lock and key. The goldsmith realized that they could lend out some
of the gold and silver that they had and charge interest, as not all of the merchants would ask for
the gold and silver back at the same time. Eventually, instead of charging the merchants, the
goldsmiths paid them to deposit their gold and silver.
The bank of England was formed in 1694 to borrow money from the public for the government
to finance the war of Augsburg against France. By 1709, goldsmith were using bank of England
notes of their own receipts.
New technology transformed the banking industry in the 1900s round the world, banks merged
into larger and fewer groups and expanded into other country.
5
BANKING STRUCTURE IN INDIA:

In todays dynamic world banks are inevitable for the development of a country. Banks play a
pivotal role in enhancing each and every sector. They have helped bring a draw of development
on the worlds horizon and developing country like India is no exception.
Banks fulfills the role of a financial intermediary. This means that it acts as a vehicle for moving
finance from those who have surplus money to (however temporarily) those who have deficit. In
everyday branch terms the banks channel funds from depositors whose accounts are in credit to
borrowers who are in debit.
Without the intermediary of the banks both their depositors and their borrowers would have to
contact each other directly. This can and does happen of course. This is what has lead to the very
foundation of financial institution like banks.
Before few decades there existed some influential people who used to land money. But a
substantially high rate of interest was charged which made borrowing of money out of the reach
of the majority of the people so there arose a need for a financial intermediate.
The Bank have developed their roles to such an extent that a direct contact between the
depositors and borrowers in now known as disintermediation.
Banking industry has always revolved around the traditional function of taking deposits, money
transfer and making advances. Those three are closely related to each other, the objective being
to lend money, which is the profitable activity of the three. Taking deposits generates funds for
lending and money transfer services are necessary for the attention of deposits. The Bank have
introduced progressively more sophisticated versions of these services and have diversified
introduction in numerable areas of activity not directly relating to this traditional trinity
INDIAN BANKING SYSTEM
Reserve Bank of India
Schedule Banks
State co-op
Banks
Non-Schedule Banks
Central co-op
Banks and
Primary Cr.
Societies
Commercial
Banks
Indian
Public Sector
Banks
State Bank of India

and its Subsidiaries
Commercial Banks
Foreign
Private Sector
Banks
Other Nationalized
Banks
HDFC,
ICICI etc.
Regional Rural
Banks
INDIAN BANKING INDUSTRY

ANALYSIS:
The banking scenario in India has been changing at fast pace from being just the borrowers and
lenders traditionally, the focus has shifted to more differentiated and customized product/service
provider from regulation to liberalization in the year 1991, from planned economy to market.
Economy, from licensing to integration with Global Economics, the changes have been swift. All
most all the sector operating in the economy was affected and banking sector is no exception to
this. Thus the whole of the banking system in the country has undergone a radical change. Let us
see how banking has evolved in the past 57 years of independence.
After independence in 1947 and proclamation in 1950 the country set about drawing its road map
for the future public ownership of banks was seen inevitable and SBI was created in 1955 to
spearhead the expansion of banking into rural India and speed up the process of magnetization.
Political compulsions brought about nationalization of bank in 1969 and lobbying by bank
employees and their unions added to the list of nationalized banks a few years later.
Slowly the unions grew in strength, while bank management stagnated. The casualty was to the
customer service declined, complaints increased and bank management was unable to item the
rot.
In the meantime, technology was becoming a global phenomenon lacking a vision of the future
and the banks erred badly in opposing the technology up gradation of banks. They mistakenly
believed the technology would lead to retrenchment and eventually the marginalization of
unions.
The problem faced by the banking industry soon surfaced in their balance sheets. But the
prevailing accounting practices unable banks to dodge the issue.
The rules of the game under which banks operated changed in 1993. Norms or income
Recognition, Assets classification and loan loss provisioning were put in place and capital
adequacy ratio become mandatory. The cumulative impact of all these changes has been on the
concept of state ownership in banks. It is increasingly becoming clear that the state ownership in
bank is no longer sustainable.
The amendment of banking regulation act in 1993 saw the entry of new private sector banks and
foreign banks.
MAJOR PLAYER IN INDIA

1. HDFC BANK LTD
2. ICICI BANK LTD
3. STATE BANK OF INDIA LTD
4. PUNJAB NATOINAL BANK LTD
5. BANK OF BARODA LTD
6. FEDERAL BANK LTD
7. AXIS BANK LTD
8. ING VYSYA BANK LTD
9. IDBI BANK LTD
10. INDUSIND BANK LTD
11. YES BANK LTD
INTRODUCTION
SWOT ANALYSIS
10
SWOT Analysis is a powerful technique for understanding your Strengths and Weaknesses, and
for looking at the Opportunities and Threats you face. Used in a business context, it helps you
carve a sustainable niche in your market. Used in a personal context, it helps you develop your
career in a way that takes best advantage of your talents, abilities and opportunities.
SWOT ANALAYSIS OF HDFC BANK

STRENGTH
Right strategy for the right products.
Superior customer service vs. competitors.
Great Brand Image
Products have required accreditations.
High degree of customer satisfaction.
Good place to work
Lower response time with efficient and effective service.
Dedicated workforce aiming at making a long-term career in the field.
WEAKNESSES
Some gaps in range for certain sectors.
Customer service staff need training.
Processes and systems, etc
Management cover insufficient.
Sectoral
growth
is constrained by low unemployment levels and competition for
staff
OPPORTUNITIES
11
Profit margins will be good.

Could extend to overseas broadly.
New specialist applications.
Could seek better customer deals.
Fast-track career development opportunities on an industry-wide basis.
An applied research centre to create opportunities for developing techniques to provide
added-value services.
THREATS
Legislation could impact.
Great risk involved
Very high competition prevailing in the industry.
Vulnerable to reactive
attack by major competitors
Lack of infrastructure in rural areas could constrain investment.
High volume/low cost market is intensely competitive.
KEY POINT
SWOT Analysis is a simple but powerful framework for analyzing company's Strengths and
Weaknesses, and the Opportunities and Threats you face. This helps you to focus on your
strengths, minimize threats, and take the greatest possible advantage of opportunities available to
you.
12
BIBLIOGRAPHY
BOOKS REFFERED:
Philip Kotler (Eight Edition), Marketing Management

T.N Chhabra , Human Resource Management
WEBSITES REFFERED:
www.wikipedia.com
www.hdfcbank.com
www.google.co.in
REPORTS/ARTICLES REFFERED:
Annual report of HDFC BANK 2009
13

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A Project Report On

A project study on BANKING AT HDFC

XXXXX University, Mumbai

MBA in Banking (Finance)

I undersigned XXXXX XXXXX

student of MBA 3rd semester declare that I have done the

PRODUCT OF HDFC BANK.

DEPARMENT OF HDFC BANK

BANKING STRUCTURE IN INDIA:

INDIAN BANKING SYSTEM

Reserve Bank of India

State Bank of India

INDIAN BANKING INDUSTRY

MAJOR PLAYER IN INDIA

SWOT ANALAYSIS OF HDFC BANK

is constrained by low unemployment levels and competition for

Profit margins will be good.

Philip Kotler (Eight Edition), Marketing Management

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