Report on Hdfc Bank

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  • Topic: Bank, Retail banking, Commercial bank
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  • Published : April 27, 2010
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Summer Internship Project



A project report on

COMPANY GUIDE ================ Mr. Manish Panchal Branch Manager Kapadwanj.

FACULTY GUIDE ============== Prof. Pragna Kaul IBMR Ahmedabad

Prepared by : Jigar J Soni Roll no. 5 , Div – A IBMR _Ahmedabad Year – 2008/09


If words are considered to be signs of gratitude then let these words Convey the very same My sincere gratitude to HDFC BANK for providing me with an opportunity to work with BANK and giving necessary directions on doing this project to the best of my abilities. I am highly indebted to Mr. Manish Panchal., Branch Manager and company project guide, who has provided me with the necessary information and also for the support extended out to me in the completion of this report and his valuable suggestion and comments on bringing out this report in the best way possible. I also thank Prof. Pragna Kaul, IBMR_Ahmedabad, who has

sincerely supported me with the valuable insights into the completion of this project. I am grateful to all faculty members of IBMR_Ahmedabad and my


friends who have helped me in the successful completion of this project.


CONTENTS Sr. No. 1 2 3 4 5 6 7 8 9 10 11 12 13 Subject Covered Banking Structure in India Indian Banking Industries Upcoming Foreign Bank in India HDFC BANK Company Profile Technology used Product and Customer segments Business Strategy Inside Hdfc Bank Rupee Earned – Rupee Spent Recent Development SWOT Analysis Project on Plastic Money Page No. 6-7 8-9 10 11-12 13-15 16-19 20-23 24-25 26-31 32-33 34-41 42-48 49-55



Scheduled Banks in India
(A) Scheduled Commercial Banks Public sector Banks Private sector Banks Foreign Banks in India (29) Regional Rural Bank (102)

(28) (27) • Nationalized • Old Private Bank Banks • Other Public • New Sector Banks Private (IDBI) Banks • SBI and its Associates

(B) Scheduled Cooperative Banks Scheduled Urban Cooperative Banks (55) Scheduled State Cooperative Banks (31)


Here we more concerned about private sector banks and competition among them. Today, there are 27 private sector banks in the banking sector: 19 old private sector banks and 8 new private sector banks. These new banks have brought in state-of-the-art technology and Aggressively marketed their products. The Public sector banks are Facing a stiff competition from the new private sector banks. The banks which have been setup in the 1990s under the guidelines of the Narasimham Committee are referred to as NEW PRIVATE SECTOR BANKS.

New Private Sector Banks
• Superior Financial Services • Designed Innovative Products • Tapped new markets • Accessed Low cost NRI funds • Greater efficiency



The Indian banking market is growing at an astonishing rate, with Assets expected to reach US$1 trillion by 2010. An expanding economy, middle class, and technological innovations are all contributing to this growth.

The country’s middle class accounts for over 320 million people. In correlation with the growth of the economy, rising income levels, increased standard of living, and affordability of banking products are promising factors for continued expansion.


The Indian banking Industry is in the middle of an IT revolution, Focusing on the expansion of retail and rural banking. Players are becoming increasingly customer - centric in their

approach, which has resulted in innovative methods of offering new banking products and services. Banks are now realizing the

importance of being a big player and are beginning to focus their attention on mergers and acquisitions to take advantage of regulation.

economies of scale and/or comply with Basel II

“Indian banking industry assets are expected to reach US$1 trillion by 2010 and are poised to receive a greater infusion of foreign capital,” says...
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