ASummer Training Project Report

On “CUSTOMER AWARENESS REGARDING

VARIOUS DEPOSIT SCHEMES”Undergone at

In Partial Fulfillment of the Requirements of theDegree of

“MASTER OF BUSINESS ADMINISTRATION”SESSION 2007-2009

SUBMITTED TO Mrs. Priyanka Gupta

Under Guidance of: SUBMITTED BYMr. Nipun Kumar Varun Kalia (Sales Manager) MBA-3rd Sem

Roll No: 0721570053

Shree Ganpati Institute of Technology, Ghaziabad

(Affiliated to U.P.T.U. Lucknow)

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DECLARTION

I hereby certify that the work embodied in the project “Customer

awareness regarding various deposit schemes” was done by me under the

able supervision of Mr. Nipun Kumar (Sales Manager), HDFC bank

Ynr.

This project is done for the partial fulfillment of Degree of Master of

Business Administration program of Uttar Pradesh Technical University,

Lucknow from Shree Ganpati Institute of Technology, Ghaziabad. I have not

submitted this report to any other institute or University.

Varun Kalia

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ACKNOWLEDGEMENT

My sincere thanks are due to all the contributors without whose efforts this

project would not have been completed. No task of this nature is a single

person effort, so I am very thankful to Mr. Nipun Kumar (Sales Manager)

HDFC BANK, YNR for providing me the opportunity to undergo my

summer internship in their Branch.

I owe my big thank to Mr.Sandeep Bhatia (Team Leader) Mr.kamal

khetarpal (Personal Banker) and Mr.Vivek Aggarwal (Personal

Banker) Under whose guidance I successfully completed my Summer

Training Project. Their unfailing interest and support gave a new dimension

to my work. They made it possible to collect abundance of material, the

relevant portion of which is quoted in this project

I also express my gratitude to the all respondents for their proper responses

and cooperation during my Summer Training project

I would like to extend my thanks to my all friends for their valuable

suggestion and cooperation at various stages during my project.

Varun Kalia

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PREFACE

MBA Students of U.P.T.U. are required to undergo summer project

practical training as an integral part of curriculum .to accomplish this

project as “customer awareness regarding various products offered by HDFC

BANK” there is need to become familiar with the project.

It can be possible through theoretical inputs as well as practical exposure in

which my practical knowledge is helpful acquired at the college as well as

practicing those concepts in bank.

I have also done a survey from various respondents to know there views

about bank projects. By which collected information will be helpful to solve

queries as well as to predict bank image in future.

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INDEX

INTRODUCTION TO HDFC BANK

INTRODUCTION 2

BOARD OF DIRECTORS 8

HIGH LIGHTS 10

INNOVATIVE SERVICES 13

HDFC PRODUCT RANGE 24

OBJECTIVES OF THE STUDY 52

RESEARCH METHODOLOGY 53

ANALYSIS AND INTER PRETATIONS 56

FINDINGS 68

LIMITATIONS 69

CONCLUSION 70

SUGGESTIONS 71

BIBLIOGRAPHY 72

QUESTIONNAIRE 73

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HDFC BANKWE UNDERSTAND YOUR WORLD

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We Understand Your World

COMPANY PROFILE

INTRODUCTION

HDFC Bank Limited, India

HDFC bank was incorporated in august 1994 in tha name of HDFC bank limited with its registered office in Mumbai, India. The bank commenced operations as a scheduled Commercial banks in Januaray 1995.

The Housing Development Finance Corporation Limited was among the first two receive and in principal approval from the RBI to set up a bank in the private sector as a part f tye RBI liberalization of the Indian banking industries in 1994.

Headquarter in Mumbai, HDFC bank has a network of over 531 branches spread over 220 cities across India. All branches are linked on an online real time basis. Customers in over 120 locations are serviced through telephone banking. Te bank also ajas a network about 1054 networks ATMs across the cities. HDFC’s bank ATM network can be accessed from all domestic and International Visas / Master card , Visa electrol /Maestro , Plus/ Cirrus and American Express credit/ charge card holders. The housing development corporations limited HDFC was amongst the first to receive an “In Principle” approval from the RBI to set up a bank in the private sector as part of the RBI liberalization of the Indian Banking industry in 1994.The bank was incorporated in August 1994 in the name of HDFC bank limited with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial banks in January 1995.

PROMOTER .

HDFC’s is India’s premier housing Finance company and enjoys an Impeccable track record In India as well as in international markets. Since its inception in 1977, The corporation has maintained a consistent and healthy growth n its operations to remain the market leader in mortgages. Its

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outstanding loan portfolio covers well over a million dwelling units.HDFC has developed a significant expertise in real mortgage loand to different markets segments and also has a large corporate client base for its housing related credit facilities. With Its expertise in the financial markets, a strong market reputation large shareholder base and unique consumer franchise HDFC was ideally positioned to promote a bank in the Indian environment.

SUBSIDIARIES

In terms of the approval granted by the Government of India, the provisions contained under Section 212(1) of the Companies Act, 1956 shall not apply in respect of the Bank’s subsidiaries namely, HDFC Securities Limited (HSL) and HDB Financial Services Limited (HDBFSL).

BUSINESS FOCUS

HDFC banks mission is to be a world class Indian bank. The obejective is to built sound customer franchises accros distinct businesses so as to be the preferred provider of banking services for target wholesale customer segments and to achieve healthy growth in profitability, consistent with the banks risk appetite. The bank is commited to maintain the highest level of ethical standards, professional Integrity, corporate governance and regulatory compliance. HDFC banks business philosophy is based on four core values- operational excellence, Customer focus, product leadership and People.

CAPITAL STRUCTURE

The Authorized capital of HDFC bank is RS 450 crores(4.5 Billion). The paid up capital is Rs 3119 crores.(3.1 billion). The HDFC group holds 21.2 % of the banks equity and about 19.4% of the equity is held by the ADS depository (In respect of the banks American depository shares (ADS issue)).Roughly 31.3% of the equity is held by foreign institutional Investors

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and the bank has about 190000 share holders. The shares are listed on the stock Exchange , Mumbai and the National Stock Exchange .The banks American Depository Shares are listed on the New York Stock Exchange under the symbol ”HDB”.

TIMES BANK AMALGAMATION.

In a milestone transaction in the Indian Banking Industry, Times Bank Limited (another new private sector bank promoted by Bennett , Coleman and corporation/ Times group) was merged with HDFC bank Ltd effective Feb 26, 2000. As per the scheme of Amalgamation approved by the share holders of both the banks and the Reserve Bank of India, share holders of Times Bank received 1 share of HDFC bank for every 5.75 shares Times Bank. The acquisition added a significant value to HDFC bank in the terms of increased branch network, expanded geographic reach, enhanced customer base, skilled man power and the opportunity to cross sell and leverage alternative delivery channels.

DISTRIBUTION NETWORKS.

HDFC bank is headquarterd in Mumbai. The bank at present has an enviable 3network of over 684 branches spread over 316 cities across India. All branches are linked on an online real time basis . Customers in over 120 locations are also serviced through Telephone banking. The banks expansion plans take into account the need to have a presence in all major industrial and commercial centres where its corporate customers are located as well as the need to build a strong retail customer base for both deposits and loan products. Being a clearing/ settlement Bank to various leading stock exchanges, The bank has branches in the centers where the NSE/BSE has a strong and active number base.The bank also has a network of over 1695 networked ATM’s across these cities. Moreover all domestic and international VISAS /Master card, Visa electron/ Maestro, Plus/ Cirrus and American Express credit / Charge card holders can access HDFC banks ATM network.

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TECHNOLOGY

HDFC Bank operates in a highly automated environment in terms of information technology and communication systems. All the banks branches have online connectivity, which enables the bank to offer speedy funds transfer facility to it customers. Multibranch access is also provided to its retail customers through the branch network and Automated Teller Machine (ATMs).

The bank has made substantial efforts and investments in acquiring the best technology available internationally, to build the infrastructure for a world class bank. In terms of software the corporate banking business supported by Flexcube , while the retail banking business by Finware, both from i- flex solutions ltd. This systems are opened, scaleable and web enabled .

The bank has prioritized its engagement in technology and the internet as one of its key goals and has already made significant progress in web enabling its core businesses. In each of its businesses the bank has succeed in leveraging its market position, expertise and technology to create a competitive advantage and build market share.

MANAGEMENT

Mr. Jagdish Kapoor took over as the bank chairman in July 2001. Prior to this, Mr. Kapoor was a Deputy Governor the Reserve Bank of India

The Managing Director, Mr. Aditya Puri has been a professional banker for over 25 years and before joining HDFC bank in 1994 were headings Citibank operations in Malaysia

The banks board of directors is composed of eminent individuals with a wealth of experience in public policy, administration, industry and commercial banking. Senior executive representing HDFC are also on the board.

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AWARDS AND RECOGNITIONS (FOR YEAR 2006-2008 )

The Asian banker achievement award:

MD ,Mr. Aditya Puri ,won the Asian banker leadership achievement

award for India in 2007

Global HR excellence awards:

Award for institution building and most innovative HR practices

award in 2007

Business today award:

Best bank in India in 2006

Business world award:

Best listed bank in India in2006.

Euro money awards:

Best bank in India in 2006

Forbes magazine award

One of the Asia pacific’s best companies in 2006.

The asset magazines triple A country awards:

Best domestic bank in India in 2006

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Asia money award:

Best local cash management bank in large and medium segments in

2006.

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BOARD OF DIRECTORS

Mr. Jagdish Kapoor Chairman

Mr. Aditya Puri Managing director

Mr. Keki M. Mistry

Mrs. Ashim Samanta

Mr.Vineet Jain

Mrs. Renu Karnad

Mr.Arvind Pande

Mr.C.M Vasudev

Mr. Gautam Divan

Dr. Pandit palande

Vice president and company secretary

Mr. Sanjay Dongra

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Auditor

M/S Haribhakti & Co.

(Chartered Accountant)

Registered office

HDFC Bank house

Senapati Bapat marg

Lower Parel (Mumbai400013)

Tel no: 56521000

Fax no. 24960739

Web –site: www.hdfcbank.com

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HIGH LIGHTS

BRANCHES

YEAR BRANCHES

2006 467

2007 535

2008 684

0

500

1000

1500

2000

2500

1 2 3

year

bra

nch

es

year

branches

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ATM’S

YEAR NO’S

2006 1147

2007 1323

2008 1605

0

500

1000

1500

2000

2500

1 2 3

year

AT

MS year

ATMS

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CITIES

YEAR NO’S

2006 211

2007 228

2008 316

0

500

1000

1500

2000

2500

1 2 3

year

citi

es year

cities

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INNOVATIVE SERVICES

NETBANKING:

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

second account information, Net Banking lets you manage your account

from the comfort of your mouse - anytime, anywhere

ATM 24 HOUR BANKING:

24-hour access to cash - Withdraw up to Rs.10, 000/- per day on

your ATM Card and up to Rs. 15,000 on your Debit Card. The fast

cash option saves your time by providing the cash in denomination

of Rs.500/-.

View Account Balances & Mini-statements - Get details of the

last 9 transactions on your account with the mini-statement, along

with your balance.

Order a Cheque Book / Account Statement

Transfer Funds between accounts - You can also transfer money

from one of your accounts to another. Both accounts must be

linked to your ATM Card and Customer ID. A maximum of 5

saving and 5 Current Accounts can be linked.

Change your PIN - You can conveniently change your PIN (given

at the time of opening your account) whenever you wish.

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Deposit cash or cheques - You can deposit cash or cheques into

your account and the ATM will immediately print a receipt for the

same.

Learn about all our other products - Simply select a product and

all the information you require will be displayed on the screen.

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INSTA ALERT:

You can get regular updates on your bank accounts on your mobile

phone or e-mail id. With insta alert facility on any or all of the

following alerts:

Debit transactions greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs.

50,000

Credit in account greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs.

50,000

Account Balance below Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000

Weekly account balance

Salary Credits*

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MOBILE BANKING:

Hdfc’s Mobile Banking service provides a host of features at your finger-tips

through SMS:

Get your balance details

Obtain your last 3 transaction details

Request a cheque book

Stop a cheque payment

Enquire cheque status

Request an account statement

Get Fixed Deposit details

Pay your bills*

How does it work?

Mobile Banking works through a set of text messages (SMS).

All you need to do is to type in the specified code for the transaction

as a text message and send it to 676712.

You will receive the response in the form of a text message on your

mobile phone screen within a few seconds.

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PHONE BANKING:

When you dial in to Phone Banking, a voice prompt will guide you through

the various transactions. You may also talk to a Phone Banker, who will

provide you with the required assistance.

Features and benefits:

Check your account balance - Get up-to-the-second details of your

Savings or Current Accounts and your Fixed Deposits. You can also

get the details of the last 5 transactions on your account, or have a

mini statement of last 9 transactions faxed across to you.

Enquire on the cheque status - You can use Phone Banking to check

on the status of cheques issued or deposited from anywhere in India.

Order a Cheque Book / Account Statement - Just call Phone

Banking and get your Cheque Book or latest Account Statement

delivered at your doorstep.

Stop Payment - Stop payment of a single cheque or a series of

cheques, 24 hours a day.

Loan Related queries - Get details of the outstanding loan amount,

enquire about your loan account, request for an interest certificate and

repayment schedule, etc. Just call Phone Banking in your city and dial

4 to speak to our Phone Banker

Open a Fixed deposit or Enquire on your Fixed deposits / TDS*# -

Talk to our Phone Banker to easily open a Fixed Deposit over the

phone, by simply authorizing a transfer of funds from your Savings

Account.

Transfer Funds between accounts*# - You can also transfer money

from one of your accounts to another. Both accounts must be linked to

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your Customer ID. You can transfer amounts upto Rs 1 Lac in a single

day.

Pay your bills - Pay your cellular, telephone, electricity and HDFC

Bank Credit Card bills through Phone Banking using Bill Pay, a

comprehensive bill payments solution

Report loss of your ATM / Debit Card / ForexPlus Card - If your

ATM / Debit / ForexPlus Card is lost, call any Phone Banking number

to deactivate your card(s).

Learn about all our other products - Get details on HDFC Bank

products & services by talking to our Phone Banker.

Enquire about latest Interest / Exchange rates - Get latest Interest

rates on Deposits and Foreign Exchange rates by talking to our Phone

Banker.

Request a Demand Draft / Manager's Cheque #** - Call Phone

Banking and get a Demand Draft / Manager's Cheque delivered to

your doorstep.

BILL PAY :

Now, you have the luxury of paying your telephone, electricity and mobile

phone bills at your convenience through the Internet, ATMs, your mobile

phone or telephone - using Bill Pay, a comprehensive bill payments solution.

You can check the bill amount before you make any payments ensuring you

always pay the right amount. Bill Pay has made all your bill payments easy.

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Features:

Convenience at its best - No queuing up at collection centres or

writing cheques any more!

A variety of payment modes available - ATMs, Net Banking, and

Mobile Banking

Payments can be made right up to the due date.

Check your bill amount before you make any payments - ensuring you

pay the exact amount you wish to.

Receive discount from specific billers on payments made through Bill

Pay. Discounts will be provided in the next month's bills.

SAFE DEPOSIT LOCKERS:

Everybody needs a safe place to keep their valuables. To cater to this need,

Hdfc bank offers you Safe Deposit Lockers at select branches. They are

available in a variety of sizes to suit your needs.

SWEEP IN FACILITY:

If you wish to take overdrafts, and still take advantage of your fixed deposit.

Then you need is a Sweep-In Facility on your savings account.

Link your Fixed Deposit to your Savings or Current Account and use it to

fall back on in case of emergencies. A deficit in your Savings or Current

Account is taken care of by using up an exact value from your Fixed

Deposit. Since deposits are broken down in units of Re 1/-, you will lose

interest only for the actual amount that has been withdrawn.

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Features and benefits:

Choose between a Savings Account or Current Account to link to

your Fixed Deposit.

Earn higher interest on the money till it is swept-in, while the

remaining Fixed Deposit continues to earn you interest.

Only an exact amount required to make up for the deficit in the

Savings account is withdrawn from your Fixed Deposit (units of

Re. 1/-) thereby minimizing interest loss.

Multiple deposits can be linked to the Savings account.

Flexibility in altering the period of deposit, maturity and payment

instructions, principal amount and rollover mode.

You can avail of both, a Supersaver Facility as well as a Sweep-In

Facility if you have linked your deposits to a Savings Facility.

Senior citizens enjoy a higher rate of interest on their Fixed

Deposits.

Avail an International Debit card and a free cheque book on your

Sweep-in Savings account.

SUPER SAVER FACILITY:

Enjoy a high rate of interest along with the liquidity of a Savings

Account by opting for a Super Saver Facility on your savings account.

Avail of an overdraft facility of up to 75% of the value of your Fixed

Deposit.

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EASY SHOP INTERNATIONAL DEBIT CARD :

Your HDFC Bank Easy Shop International Debit Card brings to you a world

of convenience.

Features and benefits:

Daily Limits: Rs. 15000 at ATMs for Withdrawal and Rs. 25000 at

merchant establishments for shopping.

Access your bank account at over 8, 00,000 Visa/Maestro/Cirrus

ATMs in India and abroad.

0% petrol surcharge at select BPCL Petrol pumps*: As a Debit Card

holder, any surcharge levied on your Card at select BPCL petrol

pumps would be reversed in the subsequent month.

Shop at more than 3, 50,000 outlets in India and 13 million

worldwide. The amount is debited directly to your account.

Use your card overseas. Your account is debited in Rupees regardless

of the currency in which you spend.

You can get an Alert on your mobile phone or email for every

purchase transaction done using your Debit Card at a merchant

outlet!! All you need to do is register for Insta Alerts

Worldwide assistance from Visa and MasterCard on your card.

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INTER NATIONAL CREDIT CARDS:

SILVER CREDIT CARD:

Features:

All-purpose credit card

The HDFC Bank Silver Credit Card can be used for all your

requirements, be it shopping, eating out, holidaying, fuelling up your

vehicle, railway ticket reservations - just about any financial

requirement, planned or on impulse

Earn while you spend

With us, money spent is money earned. For every Rs. 150 you spend,

you earn 1 reward points. You can redeem these accumulated points

for exciting gifts and offers from our exclusive rewards program.

Add on cards

Get up to 3 add-on cards for your spouse, parents, siblings (own

brother/sister), son and/or daughter (over 18 years) and allow them to

enjoy the many benefits of the HDFC Bank International Silver

Credit Card

Zero liability on lost card

In case your credit card gets lost, report it immediately to our 24-hour

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call centre. After you do this, you carry zero liability on any

fraudulent transactions on your card.

Widely accepted

Accepted at over 110,000 merchant establishments across India and

Nepal and close to 18 million merchant establishments around the

world.

GOLD CREDIT CARD:

Features:

Up to 5% cash back on air ticketing

5% Cash back on domestic air transactions above Rs.10,000 through

domestic airline websites (2.5% on transactions below

5% cash back on train ticketing

Get 5% cash back on railway tickets purchased with your HDFC Bank

Gold Credit Card at the Indian Railways website www.irctc.co.in.

Discounts on hotel tariff

A whopping 50% discount on hotel stays across India and abroad,

through complimentary Silver Benefit membership to the International

Business Traveller's Club.

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HDFC PRODUCT RANGE

SAVING ACCOUNT

Types of Savings Account

1. Regular saving account

2. Saving plus account

3. Saving max account

4. No frills account

5. Kids advantage account

6. Senior citizen account

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REGULAR SAVINGS ACCOUNT:

An easy-to-operate savings account that allows you to issue cheques, draw

Demand Drafts and withdraw cash

Wide network of branches and over thousand ATMs to meet all your

banking needs no matter where you are located.

needs no matter where you are located.

Bank conveniently with facilities like Net Banking and Mobile

Banking- check your account balance, pay utility bills or stop cheque

payment, through SMS

Never overspend- Shop using your International Debit Card that

reflects the actual balance in your savings account.

Personalized cheques with your name printed on each cheque leaf for

enhanced security.

Take advantage of Bill Pay, an instant solution to all your frequent

utility bill payments. Instruct for payment over the phone or through

the Internet.

Avail of facilities like Safe Deposit Locker, Sweep-In and Super

Saver facility on your account.

3 Free transactions on SBI/Andhra Bank ATMs per month.

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Free Payable-at-Par chequebook, without any usage charges upto a

limit of Rs.50, 000/- per month.

Free Insta Alerts for all account holders for lifetime of the account.

Free Email Statement facility.

KIDS ADVANTAGE ACCOUNT:

You can start saving for your child today and secure his/her future. Open a

Savings Account and transfer money every month into his/her Kids

Advantage Account.

Features:

Amounts in excess of Rs. 5,000/- over and above a balance of Rs.

10,000/- gets converted into Fixed Deposits for a specified period in

your child's name.

Free International Debit Card for your child (above 7 years of age)

with a maximum drawing capability of Rs. 2,500/- per day

Free Education Insurance cover of up to Rs. 1, 00,000/- for your

child with every Kids Advantage Account.

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Net Banking facility to monitor both, your Savings Account as well as

your Kids Advantage Account

Free Funds Transfer between your Savings Account and your Kids

Advantage Account.

Free Insta Alerts for all account holders for lifetime of the account.

Free Email Statement facility.

SAVING PLUS ACCOUNT:

All you have to do is maintain an Average Quarterly Balance of Rs. 10,000/-

and experience the benefits as mentioned below:

Wide network of branches and over thousand ATMs to meet all

your banking needs no matter where you are located.

2 Free transactions on SBI/Andhra Bank ATMs per month

3 Free transactions on any other Bank's ATM per month.

Free international debit card for or all account holders for life time

of the account.

25%-off on the Locker rental for the 1st year (only).

Free Email Statement facility.

Special relationship discount on purchase of Gold Bars

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Free Payable at Par (PAP) chequebook without any usage charges

upto a limit of 50,000 per month.*

SAVING MAX ACCOUNT:

By maintaining an average quarterly balance of just Rs. 25,000/- you get a

host of premium services from HDFC Bank absolutely free*.

Feature and benefit:

Free unlimited transactions: Cash withdrawal and balance enquiry, at

all HDFC Bank ATMs & on any other Bank's ATM using your HDFC

Bank Debit Card.

Free Debit Card for primary account holder for lifetime of the

account. Gold Debit Card for other account holders at Rs 250/- p.a.

Free Payable-at-Par (PAP) chequebook, without any usage charges

upto a limit of 1 lac per month.

Free Demand Drafts on HDFC Bank locations, upto a limit of

50,000/- per day at home branch.

Self/Third Party Cash Deposit/Withdrawal at non-home branches,

upto Rs 50,000/- per day free. Above Rs 50,000 a charge of Rs 2.90

per thousand on the full amount would be applicable.

50% off on the Locker rental for the 1st year only.

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Free Email Statement facility.

NO FRILL ACCOUNT .

In an effort to make banking simpler and more accessible for our customers,we have introduced the NO Frills savings account, which offers you all thebasic banking facilities. You can alos avail the facilities like NET Banking,Mobile Banking free of cost.All this in a zero Initial Pay-in and a zero Balance account.

Features and Benefits. Access a wide network of Branches and over a thousand ATM’s

Across the country to meet all your banking needs.

Bank conveniently with facilities like Free net banking and mobile banking.

Use the free electronic Funds transfer EFT facility to transfer funds from your HDFC bank account to an account in another bank at the locations as specified by RBI.

Enjoy free IVR based phone banking.

Get free Quartely Account statements.

Access your account through a free ATM card. Enjoy free cash deposits at Branch/ATM.

9 free cash withdrawls per quartes at branch and HDFC Bank ATM’s.

International Debit card available only on request at the branch @Rs 10/.p.a for each applicant.

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SENIOR CITIZEN ACCOUNT

Designed to meet the needs of Senior Citizen, especially their independence!

AS the parents , they brought us up, teachers they guided us, its time we show them that we care. This is Bank’s endeavour to make all Senior Citizens truly “ privilidged” and give them the honour that they deserve.

Eligibility

Residents individual in the age group of 60 years and above1st applicant should be a Senior Citizen to be eligible to open this account

Features and Benefits

Easy shop international Debit card (free for life for Ist applicant)

Transaction limit on the Debit card (per day limit) ATM-25000 and POS-Rs 25000)

Women’s Advantage Debit card (free for life for first applicant

Account statements (monthly free)

PAP Usage Charges ( through clearing only, free upto 50000 pm and rs 1/- per 1000 above Rs 50000 for the entire amount).

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DD/Mc charges (Special slabs for Senior Citizen as per the service charges and fees brochure.

Third party cash deposits / withdrawals at non- home branch(upto 50000 per day free , above Rs 50000 , Rs 2.90/- per 1000.

Free transaction on other Bank ATM( 3 free cash withdrawals per month on any other bank ATM

Bill pay(Rs 100 per annum)

Phone/net/mobile banking/insta alerts( free).

Accidental Hospitalisation Cover(free cover of Rs 50000 /- per annum)

Hospital cash facility(Daily cash allowance of Rs 500 per day upto 15 days per year) once a year).

Forex transactions.

Special pricing on new Demat.

Special pricing on new HSL account.

SALARY ACCOUNT

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There are basically two types of accounts as follows

Regular Salary account

Premium Salary account

Regular Salary Account

Features and Benefits

No minim balance required.

Interest at the applicable saving account rate.

Free international Debit card with ATM cash withdrawl limit of up to Rs 15000 and Rs 25000 (non – cash) at shopping avenues.

Free insurance of Demand Drafts up to Rs 25000 per instrument , payable at branches within HDFC banking network.

Free Net banking , Phone banking, Mobile banking.

Free Sweep-in – facility.

Free inter- city/ branch banking.

Safe deposit Lockers(subject to availability).

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Free payable at par cheque book.

Preferential rates on loan products offered by the bank.

Preferential rates on forex transactions.

Bill pay facility.

Free insta alert facility.

Free Passbook facility available at home branch for account holders(individuals).

Premium Salary Account

A power packed account for successful salaried professionals, the Premium Salary account comes with a free International Debit Card and add – on Debit card for life, with the option of choosing between a Silver or Gold credit card at preferential rates.

Features and Benefits

Free International Debit card and add – on Debit card for life.

Free Personal Insurance Accident cover up to Rs 200000/- on the debit card.

Free Debit card withdrawals – max cash withdrawal at ATMs Rs 25000/- and Rs 50000(non cash) at shopping avenues.

Preferential rates for Gold and silver credit cards.

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Free demand Drafts up to Rs 25000 per instrument, per instrument payable at branches within the HDFC banking network.

Free Bill payable and insta alert facility.

Free Payable at par cheque book.

Free monthly account statements.

Free Passbook facility available at home branch for account holders(individuals).

CURRENT ACCOUNT:

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INTRODUCTION:

This type of account helps in daily transaction. When ever business

requires money an account holder can deposit or withdrawal their

cash from any branch according to their business needs and time.

As the statement of HDFC bank ay that,” we understand your

world”. To prove this statement HDFC bank provide four type of

current account which will suit any type of business needs. current

account can be classified in four categories which are explained as

below:

REGULAR CURRENT ACCOUNT:

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Regular Current Account requires you to maintain an average quarterly

balance of only Rs. 10,000.

Feature and benefit:

Convenient inter-city banking :

Deposit your local cheques in one branch of a city and have it credited

to your account at a branch in another city or make payments across

HDFC Bank locations using PAP cheque facility at a nominal rate

Free payments and collections through NEFT Free RTGS collection.

RTGS payment @ Rs.100/- per transaction

Inter-city Account to accounts funds transfer between HDFC Bank

accounts at a nominal charge of Rs.15/- per transactions

Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to

Rs.50,000/- at flat cost of Rs.40/-. DDs above Rs.50,00/- & up to

Rs.100,000/- at nominal cost of Rs.25/-.

Free Pay Order (PO) above Rs.100,000/-. Pay Order up to

Rs.50,000/- at flat cost of Rs.40/-. POs above Rs.50,000/- & up to

Rs.100,000/- at nominal cost of Rs.25/-.

Payable at par cheque book at nominal price.

CHARGES:

41

Non-Maintenance Charges per quarter =Charge of Rs.750/-

per quarter, if AQB is less than Rs.10,000/

Cheque Book Charges (Issued by Bank) = payable at par

charge Rs 2 per leaf.

Issue of Duplicate / Adhoc Statement =Rs. 100 at Branch or

Phone banking

Rs. 50 per statement through Phone banking, Net banking, ATM,

Mobile banking.

Mode of calculation of minimum average quarterly

balance=Average of daily closing balances of each day spread

over a period of three months.

Remittance facility through own bank:

Demand Drafts (DD) payable HDFC Bank Locations

(Issued from any branch) / Duplicate DD=DD Amount Up to

Rs. 50,000 charges / 40/- per DD, Above Rs. 50,000 and up to

Rs. 100,000- Rs. 25/-, Above Rs. 100,000- Free

Pay Orders (PO) – on HDFC Bank Locations (Issued from

Any Branch) / Duplicate PO=PO amount Up to Rs. 50,000

charges Rs. 40/- per PO, Above Rs. 50,000 and up to Rs.

100,000 – Rs. 25/-, Above Rs. 100,000- Free

DD/PO-Cancellation=Rs.50/- per instrument

RTGS Transactions/payment=Rs 100 per transaction

Account to Account Fund Transfer within HDFC Bank=

Rs.15/- per transaction

42

Payments & Collections at HDFC Bank Locations=Charges

at Rs.1.50/1000, min Rs. 25

Remittance facility through other bank:

Issue of Demand Drafts (DD) / Duplicate DD

(Correspondent tie-up)= Rs.2.00 per Rs.1000/- Minimum

Rs.50/-

DD-Cancellation =Rs.50/- per instrument

Outstation cheque collection through own bank=Rs.2.50 per

Rs.1000 for Cheques drawn on HDFC Bank Locations, min Rs.

50 per instrument.

Stop Payment Charges

Particular cheque=Rs.50/- (Rs.40/- through phone-banking,

FREE through Net Banking)

Account Closure

Up to 14 days=No Charge

15 days to 6 months=15 days to 6 months

More than 6 months=No Charge

PREMIUM CURRENT ACCOUNT:

43

Premium Current Account requires you to maintain an average quarterly

balance of Rs. 25000.

Feature and benefit:

Free anywhere collection & payment within HDFC Bank

branch network (up to Rs.25 lacs per month, incremental

amount to be charged @ Rs.1.50 per Rs.1,000/-, min Rs.25/-

Free NEFT Transactions.

Free RTGS collection. RTGS payment @ Rs.100/- per

transaction.

Inter-city Account to accounts funds transfer between HDFC

Bank accounts at a nominal charge of Rs.15/- per transactions.

Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts

up to Rs.50,000/- Rs.40/-. DDs above Rs.50,000/- & up to

Rs.100,000/- Rs.25/- and can be issued from any HDFC Bank

Branch

Free Pay Order (PO) above Rs.100, 000/-. Pay Order up to

Rs.50,000/- Rs.40/-. POs above Rs.50,00/- & up to

Rs.100,000/- Rs.25/- and can be issued from any HDFC Bank

Branch

100 "At Par" cheque leaves free per month

Charges:

Minimum Balance (Average Quarterly Balance)= Rs.

25,000/-

Non-Maintenance Charges per quarter= Charge of

Rs.900/- per quarter, if AQB is less than Rs.25,000/-

44

Cheque Book Charges (Issued by Bank)= payable at

par 100 cheque leaves Free per month. Charges Rs 2/-

per leaf beyond 100 leaves

TRADE CURRENT ACCOUNT:

Trade Current Account requires you to maintain an average quarterly

balance of Rs. 40,000.

Feature and benefit:

Free Account to account funds transfer between HDFC Bank

accounts.

Free RTGS/NEFT Transactions

Free up to 30 Demand Drafts (DD) and 30 p.o (pay order) per

month and can be issued from any HDFC Bank Branch.

Free anywhere collection & payment within HDFC Bank branch

network up to Rs.50 lacs per month.

200 "At Par" cheque leaves per free month.

45

Charges:

Minimum Balance (Average Quarterly Balance)= Rs.

40,000/-

Non-Maintenance Charges per quarter= Charge of

Rs.1,200/- per quarter, if AQB is less than Rs.40,000/-

Cheque Book Charges (Issued by Bank)= payable at par 200

cheque leaves Free per month. Charges Rs 2/- per leaf beyond

200 leaves

PLUS CURRENT ACCOUNT:

Plus Current Account requires you to maintain an average quarterly balance

of Rs. 100,000.

Feature and benefit:

Free Account to account funds transfer between HDFC Bank accounts

Free payment and collection through RTGS.

Free payment and collection using NEFT (through Net banking)

Free up to 50 Demand Drafts per month and 50 pay order ( p.o) and

can be issued from any HDFC Bank Branch

46

Free anywhere collection & payment transactions (clearing) within

HDFC Bank branch network up to Rs.100 lacs per month.

300 "At Par" cheque leaves free per month.

Charges:

Minimum Balance (Average Quarterly Balance)= Rs. 100,000/-

No47-47a47n`enance Charges per quarter= Charge of Rs.6,000/- per

quarter, if AQB is less than Rs.50,000/- and Charge of Rs.1,500/- per

quarter, if AQB is less than Rs. 100,000/- but > = Rs. 50,000/

Cheque Book Charges (Issued by Bank) = payable at par 300 cheque

leaves Free per month. Charges Rs 2/- per leaf beyond 300 leaves

ELIGIBILITY:

The following are eligible to operate a current account:

Resident individuals

Hindu undivided families

Sole proprietorship firms.

Partnership firms.

Limited companies

Trust accounts.

Association/clubs/societies

Foreign Institutional Investors.

Foreign nationals residing in India.

FIXED DEPOSITS:

47

REGULAR FIXED DEPOSIT:

You can invest your money in Fixed Deposit, if you believe in long-term

investments and wish to earn higher interests on your savings. Get up to

9.00% on HDFC Bank Fixed Deposit with an additional 0.50% for Senior

Citizens

Feature and benefits:

Time based rate of interest- longer periods of deposit accrue higher

interests.

Potential to earn compound interest by reinvesting the principal

amount along with the interest earned during the period.

Add to your Fixed Deposit. (Minimum add-ons of Rs. 5,000/-) when

you have surplus funds.

No penalty for premature withdrawal.

Higher rate of interest on Fixed Deposits for Senior citizens.

5 YEAR TAX SAVING FIXED DEPOSIT:

48

Bank fixed deposits booked by an Individual/HUF for 5 years & up to

Rs. 1, 00,000/- will be allowed exemption under Sec 80C of the Income

Tax Act,1961.

Feature and benefits:

Minimum Amount: Rs.100/-

Multiples of Rs.100/-

Maximum Amount: Rs. 1 lac (in a FY)

Tenure - 5 years (lock in period).

Rate of Interest - 8.25% p.a, Senior Citizen rate - 8.75%

No Partial/Premature withdrawal allowed.

Sweep-in not allowed.

No OD allowed.

In the case of joint holder deposit, the deduction from income under

section 80C of the Act shall be available only to the first holder of the

deposit.

DEMAT ACCOUNT:

49

HDFC BANK is one of the leading Depository Participant (DP) in the

country with over 8 Lac demat accounts.

HDFC Bank Demat services offers you a secure and convenient way to keep

track of your securities and investments, over a period of time, without the

hassle of handling physical documents that get mutilated or lost in transit.

HDFC BANK is Depository participant both with -National Securities

Depositories Limited (NSDL) and Central Depository Services Limited

(CDSL).

Features and benefits:

As opposed to the earlier form of dealing in physical certificates with delays

in transaction, holding and trading in Demat form has the following benefits:

Settlement of Securities traded on the exchanges as well as off market

transactions

Pledging of Securities.

Holding / Transaction details through Internet / email

MUTUAL FUNDS

50

Mutual funds are funds that pool the money of several investors to invest in

equity or debt markets. Mutual Funds could be Equity funds, Debt funds or

balanced funds.

Funds are selected on quantitative parameters like volatility, FAMA Model,

risk adjusted returns, and rolling return coupled with a qualitative analysis of

fund performance and investment styles through regular interactions / due

diligence processes with fund managers.

HDFC Mutual Fund has been one of the best performing mutual funds in thelast few years. HDFC Asset Management Company Limited (AMC) functions as an Asset Management Company for the HDFC Mutual Fund.

AMC is a joint venture between housing finance giant HDFC and British investment firm Standard Life Investments Limited. It conducts the operations of the Mutual Fund and manages assets of the schemes, including the schemes launched from time to time.

51

Schemes of Mutual Fund offered by HDFC

Types of schemes

52

INSURANCE

You can bank on HDFC Bank for all your financial needs. HDFC Bank

offers you a world of choice in insurance. You can now avail of Life -

Insurance plans from HDFC Standard Life Insurance.

Unit linked insurance plan

Hdfc unit linked young star

Hdfc unit linked young star plus

Hdfc unit linked suvidha

Hdfc unit linked suvidha plus

Hdfc unit linked pension

Hdfc unit linked pension plus

Conventional insurance plans

Hdfc children’s plans

Hdfc saving assurance’s plans

Hdfc money back plan

Term assurance plan

Hdfc term assurance plan

Hdfc loan cover term assurance plan

53

PREFERRED BANKING

“Feel special, feel preferred” is what HDFC Bank boasts of for its

preferred customers. If you're a seasoned professional or have been running

a successful business over the years, the HDFC Bank Preferred Program is

meant for you. A preferred customer is assigned a dedicated Relationship

manager and gets various privileges free such as free waiver, enhanced

ATM withdrawal limit, priority locker allotment, free Demat a/c, lower rates

of interest on loans.

Features and benefits:

Zero balance A/c’s-You do not need to keep a minimum account

balance in your accounts.

Free Preferred International Gold Debit Card, with higher spending

limit of up to Rs. 50,000 and cash withdrawal of up to Rs. 25,000 in a

single day.

No charges will be levied for cash withdrawal if you transact on non

HDFC Bank ATM (VISA/ MasterCard / Euro net/ SBI/ Andhra Bank)

in India

Avail of a locker at just 50% of the annual fee

Avail of the Bill Pay facility and take care of all your utility bills and

LIC premiums through Phone Banking and Net Banking.

Open multiple Demat accounts absolutely free of charge. Also, avail

of a discounted rate on transactions on your Demat account.

54

Request for a free "At Par" cheque book payable at any HDFC Bank

branch across the country, doing away with the need for asking for a

demand draft.

Annual charges waiver:

As a Preferred Customer you are entitled to a waiver of up to Rs.2, 000 per

annum on a host of service charges like:

Demand Draft / Manager's Cheque charges.

Inter-branch funds transfer charges

Stop Payment charges.

Cheque return / collection charges.

DD cancellation charges

Hold Mail charges.

Duplicate statement charges.

Recovery of old records charges

Eligibility:

You are eligible for the Preferred Program if you:

Hold at least one Savings or Current account, sole or joint account,

with HDFC Bank.

Maintain a minimum Average Monthly balance of Rs. 15 Lakhs

across all your accounts (Savings, Current and Fixed Deposits*)

OR

55

Maintain an Average Quarterly Balance of Rs. 2 Lakhs in your

Savings account.

OR

Maintain an Average Quarterly Balance of Rs. 5 Lakhs in your

Current account.

The requisite balance can be maintained over your accounts and over

those of your immediate family member.

56

OBJECTIVES

To study the awareness regarding HDFC bank and its products in

Yamuna Nagar.

To know which are the most popular schemes of the bank.

57

RESEARCH METHODOLOGY

Research word means to “search again” which can be called as a tool in

research methodology which helps in reduction of uncertainty.

Definition:

Business research is defined as the systematic and objective process of

gathering, recording and analyzing data for aid in decisions.

TYPES OF RESEARCH USED:

Exploratory research:

The main purpose of such studies is that of formulating a problem the

more precise investigation or of developing the working hypothesis from

an operational point of view. In this study exploratory research was

conducted using the technique viz. secondary data analysis and pilot

study.

To accomplish this project I have done a survey “customer

awareness regarding various products offered by HDFC bank”

under which exploratory research comes.

58

METHOD OF DATA COLLECTION

Primary sources:

Collection of primary data during the course of doing experiments in

experimental search but we are doing research of descriptive type and

perform sample surveys, then we obtain primary data either through

observation or through direct communication with respondents.

Tool-questionnaire

Secondary sources:

It is the data which has already been collected by someone or

organization for some other purpose or research study. The data for my

studies have been taken from various sources:

Books

Journals

Magazines

Internet sources

59

SAMPLING DESIGN

Sampling Size : 100

Sampling Technique : Judgment sampling

Sampling Area : Yamuna Nagar &

Jagadhri

Sampling Unit : Individuals having Bank

A/c

60

ANALYISIS AND INTERPRETATION

Q1.Since when you are banking with the bank?

time Respondents

2 months 35%

2-4 months 25%

2-6 months 25%

6& above 15%

RESPONDENTS

35%

25% 25%

15%

0%

5%

10%

15%

20%

25%

30%

35%

40%

2 months 2-4 months 2-6 months 6& above

TIME

%A

GE

Respondents

Interpretation:

35% respondent are banking with HDFC since last 2 months.25% since last

2-4 months, 25% from 2-6 months and rest from more than 6 months.

61

Q2. How often you visit the bank?

Visit in bank respondents

daily 5%

weekly 15%

Twice a week 30%

monthly 50%

RESPONDENTS

5%

15%

30%

50%

0%

10%

20%

30%

40%

50%

60%

daily weekly twice aweek

monthly

VISIT IN BANK

respondents

Interpretations:

50% customer visit bank monthly, 5% visit bank daily, 15% weekly and rest

visit bank twice in the week.

62

Q3.How did you come to know about HDFC bank?

source respondents

employees 10%

Advertisements in TV 15%

Newspapers 30%

friends 45%

respondents

10%

15%

30%

45%employees

advertisments in tv

newspapers

friends

Interpretations:

Most of people are introduced to HDFC products by their friends with 45% out of 100 and 30% from newspaper , 15% from advertiement in t.v and 10 % from employees.

63

Q4. Are you aware of these products of HDFC Bank?

Products Respondents

Demat A/c 10%

Mutual funds 22%

Standard life insurance 15%

Debit cards 38%

Credit cards 15%

RESPONDENTS

10%15%

22%

38%

15%

0%5%

10%15%20%25%30%35%40%

Demat A/c standard lifeinsurance

mutual funds debit cards credit cards

PRODUCTS

%A

GE

Interpretation:

38% respondents are aware of debit card A/c & only 10% are aware of Hdfc’s Demat A/c.

Q5.which card are you using?

64

Card Respondents

Debit 65%

ATM 35%

CARD USING

65%

35%

0%

10%

20%

30%

40%

50%

60%

70%

debit card ATM

CARD

%A

GE

Interpretation:

35% of respondent use ATM & 65% use debit card.

Q6. Are you aware about Kids Advantage Account?

65

Awareness for kids advantage A/c Respondents

Yes 24%

No 76%

respondents

24%

76%

Yes

No

Interpretation:

Only 26 % respondent are aware of kids advantage A/c and rest are not

aware of.

Q7.which type of account you have with the bank?

66

Types of account respondents

Current A/c 25%

Saving A/c 40%

Demat A/c 5%

Fixed deposit(FD) 20%

Kids Advantage A/c 10%

respondents

25%

40%

5%

20%

10%

0%5%

10%15%20%25%30%35%40%45%

currentA/C

savingA/C

dematA/c

fixeddeposit

kidsadv.A/C

TYPES OF A/C

%A

GE

respondents

Interpretation:

Out of 100, 40% A/C holder are having S/b A/C where as 25% deal with

current A/c, 20% having F.D, 10% having kids Advantage A/c and rest are

having Demat A/c.

Q8.Which direct banking channels facility is mostly availed by you?

67

Banking channel respondents

Phone banking 5%

Net banking 10%

Mobile banking 15%

ATM 70%

RESPONDENTS

5% 10%

15%

70%

Phone banking

Net banking

Mobile banking

ATM

Interpretations:

In DBC most of A/c holders use ATM whereas mobile banking is used with

15%, 10% A/c holder use net banking and 5% use phone banking.

Q9.Do you know about various types of current A/c’s?

68

Types of current A/c Respondents

regular 43%

Premium 13%

Bank trade 29%

Bank plus 15%

43%

13%

29%

15%

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

Regular Premium Bank trade Bank plus

Respondents

Respondents

Interpretation:

43% are aware of regular current A/c and only 15% are aware of premium

current A/c.

Q10.Do you know about following type of F.D schemes?

69

FD Schemes Respondents

Sweep in 45%

Super Saver 55%

45%

55%

0%

10%

20%

30%

40%

50%

60%

%AGE

sweep in supersaver

FD SCHEMES

Respondents

Interpretation:

55% customers are aware of supper saver and rest are aware of sweep in.

Q11.Are you fully satisfied with the services of HDFC?

70

satisfaction Respondents

Yes 64%

No 36%

Respondents

64%

36%

yes

no

Interpretation:

64% customers are satisfied with services of HDFC bank and rest are not.

71

Q12. How do you rank the Bank’s services?

Services Respondents

Good 45%

Poor 20%

Better 20%

Best 15%

Interpretation:

45% respondent rank HDFC bank’s services as good, 20% as poor, 20% as better and only 15% as best.

FINDINGS

72

Most of people are aware of Hdfc’s products in Ynr but awareness of

debit card is much more in comparison to mutual fund.

Debit card is used more in comparison to ATM due to its benefits.

In DBC most of A/c holder use ATM in comparison to PhoneBanking

or net banking.

Most of A/c holders are having saving A/c in comparison to Demat

A/c.

Popular schemes of bank include regular current, savings regular and

fixed deposits.

More than 50 % people are satisfied with HDFC Bank’s services.

.

LIMITATION

73

“A study without some constraints is just like an illusion”

We have tried to put our maximum efforts to obtain the best possible data

but despite of all hardships, I sincerely accept some limitations which

were beyond my control in this research.

The limitations of the present study can be summarized as follows:

Due to the paucity of time, the data could not be collected in entirely

The result concluded from the data collected could not be accurate

due to biasness among the respondents.

The respondents did not give proper response as they think that this

type of survey conducted could be only a time consuming activity

74

CONCLUSION

HDFC Bank is the leading banking organization which provides latest services and innovative products to its wide range of customers. Products also benefit from network and superior processing services. The depth and breadth of the integrated suite of products and capabilities, coupled with the banking and capital markets services fuels the ability to help to stay competitive and successful in banking sector.

The financial management of the bank is so capable that it manages the cost and profitability according to the market requirements. One of the main reasons as why in some last financial years the market capitalization increased as compared to the other market players lies in the fact that the Financial Management of the Bank is so capable that it is managing its cost / profitability to by over viewing its inside growth. One of the main policies of HDFC Bank has been to maintain the good and creamy customers so that the quality will be maintained and served and not run for the numbers which will also involve cost and will thereby decreases market share. This beautiful policy has always helped the bank to be stick to all round growth of the bank and thereby improving banking share in the financial market.

The research helps in making to understand the profitability and to be aware about that how the simple regular product adds to the increase profitability and thus making the bank grow larger. The cost gets reduced with the unit per account and thus the bank keeps on making the profit with the initial costing for the years. The prospects of the the othe products is also attached with the account and thus making to sell the wide range of products and satisfy the customer needs.

75

SUGGESTIONS

Formalities required to open account should be reduced.

There should be more interest on fixed deposit a compare to other

bank o that HDFC bank can generate more revenue for their A/c.

Initial amount required to open a saving A/c should be reduced.

For maintaining average quarterly balance non -maintenance charges

should be reduced.

76

BIBLIOGRAPHY

BOOKS

C. R. Kothari : Research Methodology

Philip Kotler : Marketing Management

M. Y Khan : Management of Financial Services

N.D. Kapoor : Management Accounting

HDFC Bank MIS (Finware)

Journal of Banking and Finance 25 (5): 913–39. :- Journal

Fact sheets of :

o HDFC BANKo Reserve Bank of Indiao HDFC Securitieso Indian Bankso Securities Exchange Board of India

INTERNET

www.google.com

www.hdfcbank.com

www.rbi.com

Economics Times

77

QUESTIONNAIRE

1. In which bank do you have account? (Please √)

Nationalized Private

2. If private then in which bank are you dealing? (Please √)

HDFC BOP ICICI

AXIS (UTI)

3. since when you are banking with the bank? (Please)

2 months 2-4 months

6 month

6 & above

4. How often you visit the bank?

D Daily Weekly

Twice a week Monthly

78

5. How did you come to know about HDFC bank? (Please)

Employees Advertisements in T.V

Newspaper Friends

6. Are you aware of these products of HDFC bank?

Demat A/c mutual fund

Debit card credit card

Standard life insurance

7. Which card are you using?

ATM card debit card

8. Are you aware about the kid’s advantage scheme?

Yes No

9. Which type of A/c do you have with the bank?

Current A/c Saving A/c

Demat A/c Fixed deposit

79

Kids Advantage A/c

10. Which direct banking channel facility is mostly availed by you?

(Please)

Phone banking Mobile banking

Net banking ATM

11. Do you know about various type of current A/c at HDFC bank?

Regular premium

Bank trade bank plus

12. Do you know about following type of fixed deposit scheme?

Sweep in Super saver

13. Are you fully satisfied with the services of HDFC bank?

Yes no

If no,Please specify

Which service is most dissatisfactory? --------------------------------------

80