Csr at Hdfc Bank

8/20/2019 Csr at Hdfc Bank

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CHAPTER 1

INTRODUCTION OF HDFC BANK

1.1 INTRODUCTION

The Housing Development Finance Corporation Limited (HDFC) was amongst the

first to receive an 'in principle' approval from the Reserve Ban of !ndia (RB!) to set up a

"an in the private sector# as part of the RB!'s li"erali$ation of the !ndian Baning !ndustr% in

& The "an was incorporated in *ugust & in the name of 'HDFC Ban Limited'#

with its registered office in +um"ai# !ndia HDFC Ban commenced operations as a ,cheduled

Commercial Ban in -anuar% &.

HDFC is !ndia's premier housing finance compan% and en/o%s an impecca"le trac recordin !ndia as well as in international marets ,ince its inception in &00# the Corporation has

maintained a consistent and health% growth in its operations to remain the maret leader in

mortgages !ts outstanding loan portfolio covers well over a million dwelling units HDFC has

developed significant e1pertise in retail mortgage loans to different maret segments and also has

a large corporate client "ase for its housing related credit facilities 2ith its e1perience in the

financial marets# a strong maret reputation# large shareholder "ase and uni3ue consumer

franchise# HDFC was ideall% positioned to promote a "an in the !ndian environment

HDFC Ban "egan operations in &. with a simple mission 4 to "e a 5 2orld Class

!ndian Ban6 2e reali$ed that onl% a single minded focus on product 3ualit% and servicee1cellence would help us get there Toda%# we are proud to sa% that we are well on our wa%

towards that goal

1.2 OBJECTIVE OF STUDY

To stud% 7rgani$ation ,tructure of HDFC Ban

To stud% 8roduct and ,ervices of HDFC Ban

To stud% C,R *ctivities and Financial !nclusion of HDFC Ban

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CHAPTER 2

HISTORY AND ORGANISACTION OF HDFC BANK

2.1 HISTORY

HDFC B*9: LTD was incorporated in *ugust & in the name of 'HDFC Ban

Limited with its registered office in +um"ai# !ndia HDFC Ban commenced operations as a

,cheduled Commercial Ban in -anuar% &.

!f ever there was a man with a mission it was Hasmukhbha Pa!"kh# F$u%&"! a%&

Cha!ma%'Em"!(us# $) HDFC G!$u*. HDFC BANK +TD was amongst the first to set up a

"an in the private sector The "an was incorporated on ;# with its registered office in +um"ai !t commenced operations as a

,cheduled Commercial Ban on &?th -anuar% &. The "an has grown consistentl% and is now

amongst the leading pla%ers in the industr%

HDFC is !ndia's premier housing finance compan% and en/o%s an impecca"le trac record

in !ndia as well as in international marets ,ince its inception in &00# the Corporation has

maintained a consistent and health% growth in its operations to remain the maret leader in

mortgages !ts outstanding loan portfolio covers well over a million dwelling units

HDFC has developed significant e1pertise in retail mortgage loans to different maret

segments and also has a large corporate client "ase for its housing related credit facilities 2ith

its e1perience in the financial marets# a strong maret reputation# large shareholder "ase and

uni3ue consumer franchise# HDFC was ideall% positioned to promote a "an in the !ndian

environment in a milestone transaction in the !ndian "aning industr% Times Ban was merged

with HDFC Ban Ltd# effective Fe"ruar% @?# @


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2.2 ,ISSION# VISION AND BUSINESS STRATEGY

,ISSION

! 2orld Class !ndian Ban

!! Benchmaring against international standards

!!! To "uild sound customer franchises across distinct "usinesses

!A Best practices in terms of product offerings# technolog%# service levels# ris management

and audit compliance

VISION STATE,ENT OF HDFC BANK

The HDFC Ban is committed to maintain the highest level of ethical standards# professional

integrit% and regulator% compliance HDFC Ban>s "usiness philosoph% is "ased on four core

values such as4

& 7perational e1cellence

@ Customer Focus

; 8roduct leadership

8eople

The o"/ective of the HDFC Ban is to provide its target maret customers a full range of

financial products and "aning services# giving the customer a onestep window for all hisher

re3uirements The HDFC Ban plus and the investment advisor% services programs have "een

designed eeping in mind needs of customers who sees distinct financial solutions# information

and advice on various investment avenues

BUSINESS STRATEGY

! !ncreasing maret share in !ndia>s e1panding "aning

!! Delivering high 3ualit% customer service

!!! +aintaining current high standards for asset 3ualit% through disciplined credit ris

management

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Develop innovative products and services that attract targeted customers and address

inefficiencies in the !ndian financial sector

2.- ORGANISATION STRUCTURE

The organi$ation structure of the compan% HDFC is such that it comprises of the

departments and the emplo%ees in the hierarchical order so that the% are a"le to perform their

functions and duties smoothl% and effectivel% doing their /o" in a manner in which it should "e

done The organi$ation is headed "% the administrative department which coordinates

and controls the e1ecutive department The e1ecutive department is a lin from the top and the

"ottom comprising of the lower level emplo%ees such that the% wor together to fulfill the

common o"/ective of getting "usiness from the persons who get in touch with them and see to it

that the% are provided with the "est of the "an which constitute giving financial advise to

providing *ccount to the customers The lower level emplo%ees and the corporate financial

consultants wor together to see to it that the data"ase for providing financial "an to sufficient

num"er of people is made The% wor together to see to it that this data"ase is followed and

wored upon such that more and more num"er of people get them selves avail the financial "an

of the organi$ation Team leaders who form the part of the administrative department of the

7rgani$ation mae sure that the clients that turn up for the financial "an are dealt with the most

efficientl% and effectivel%

2. CAPITA+ STRUCTURE

*s on +arch ; @


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9ew Ior ,toc 1change (9I,) under the s%m"ol 'HDB' and the Ban's lo"al Depositor%

Receipts (DRs) are listed on Lu1em"ourg ,toc 1change under !,!9 9o J,s *T+ networ

can "e accessed "% all domestic and international Aisa +asterCard# Aisa lectron +aestro#

8lus Cirrus# DinersDiscover and *merican 1press Credit Charge cardholders

2. FUNCTIONA+ DEPART,ENTS OF THE ORGANIATION

The functional departments of the organi$ation consists of the HR department

the administrative department and the e1ecutive department The HR department of the

organi$ation consists of the people who emplo% the 8ersons who the% thin would "e a"le to do

/ustice with the /o" handled The administrative department of the organi$ation consists of the

director and the manager of the organi$ation The% preside the organi$ation and control all the

operations of the organi$ation such that the organi$ation could run in a smooth and effectivemanner The e1ecutive department of the organi$ation consists of the various emplo%ees who

e1ecute the /o" undertaen "% them The emplo%ees consist of the team leaders# the corporate

financial consultants# the telecallers# various staffs and /unior staffs who are the main structural

framewor of the organi$ation The organi$ation thus runs with the effective coordination of the

HR department# the administrative department and the e1ecutive department such that the

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supervisors of the organi$ation preside over the su"ordinate emplo%ees to give them directions

a"out fulfilling their wors most efficientl% and effectivel%

H R D"*a!(m"%(3

HDFC Human Resources department plans and direct for the emplo%eepopulation as well as

the% are having the following functions as4

• Hiring

• 8romotions Reassignments

• 8osition classification and grading

• ,alar% determination

• 8erformance appraisal review and processing

• 8ersonnel data entr% and records maintenance

F%a%4" D"*a!(m"%(3

The Finance +anager is responsi"le for all aspects of the accounting and

financial administration of the HDFC# the supervision of the implementation of the HDFC

financial policies# directives and procedures and the initiation of the f inancial plans within

the guid elin es of HDFC The dep artm ent con tain s several distinct sections# each

of which is responsi"le for a proportion of the activities taing place within the finance

department

,a!k"(%5 C$%su6(a%47 D"*a!(m"%(3

The +areting Consultanc% Department pla%s an important role within the Fund as itstudies and anal%$es mareting information in order to "uild solid "ase for management

decisions The division also assists pro/ects sponsors in formulating solid mareting strategies

to improve their industries and strengthen their position in the local and international marets

R"s"a!4h D"*a!(m"%(3

The Research Department is having the capacit% to act through four composing units ie#

the maret research unit# economic studies unit# and statistical studies unit !t is the mission ofthe division to provide support "an for information and consultanc% to the senior management

and division in the areas of economic# statistical and mareting information and consultanc%through data anal%sis# processing of economic and statistical data# maret research studies and

pu"lishing related periodical reports

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CHAPTER -

PRODUCT AND SERVICES OF HDFC BANK

-.1 PRODUCTS AND SERVICES

A. ACCOUNTS AND DEPOSITS SERVICES

B. +OAN SERVICES

C. CARD SERVICES

D. INVEST,ENT AND INSURANCE SERVICES

E. FORE AND TRADE SERVICES

D. PAY,ET SERVICES

E. NRI BANKING

A. ACCOUNT AND DEPOSITS SERVICES

Baning should "e effortless 2ith HDFC Ban# the efforts are rewarding 9o matter what a

customer's need and occupational status# we have a range of solutions that are second to none

2hether %ou're emplo%ed in a compan% and need a simple ,avings account or run %our own "usiness and re3uire a ro"ust "aning partner# HDFC Ban not onl% has the perfect solution for

%ou# "ut also can recommend products that can augment %our planning for the future

!t includes these services4

Sa8%5s A44$u%(s

These accounts are primaril% meant to inculcate a sense of saving for the future#

accumulating funds over a period of time 2hatever person>s occupation# "an have confident

that person will find the perfect "aning solution There some saving accounts lie4

Regular ,aving *ccount4

*n eas%tooperate savings account that allows %ou to issue che3ues# draw Demand

Drafts and withdraw cash Chec up on %our "alances from the comfort of %our home or office

through 9et Baning# 8hone Baning and +o"ile Baning !f %ou need mone% urgentl% then %ou

can tae mone% from the *T+ machine There are &00 *T+ centers across the countr%

Sa8%5 *6us A44$u%(

!ntroducing the "est "aning option for %ou with HDFC Ban ,avings plus *ccount

9ow %ou can get access to some of the finest "aning facilities with HDFC Ban's ,avings plus

*ccount *ll %ou have to do is maintain an *verage Kuarterl% Balance of Rs &


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Sa8%5 ,a9 A44$u%(

2elcome to a world of convenience 8resenting ,avings +a1 account# loaded with

ma1imum "enefits to mae %our "aning e1perience a pleasure B% maintaining an average

3uarterl% "alance of /ust Rs @.#


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*n individual (not minor)# firms# limited compan%# associations# clu"s# trusts# societies#

etc ma% hire a locer

A&8a%(a5"s $) sa)" &"*$s( 6$4k"! % HDFC ba%k

& 2ide *vaila"ilit%

@ Locers availa"le in various si$es ie ,mall# +edium# Large and 1tra Largewith var%ing rents

; Locers are rented out for a minimum period of one %ear Rent is pa%a"le inadvance

9o deposits are re3uired to avail a locer -ust open an account and get the locer

facilit%

. There is a nominal annual charge# which depends on the si$e of the locer and thecentre in which the "ranch is located

? 9omination for ,afe Deposit Locer

0 The Locers and their contents can "e nominated to people near and dear to %ouE 9omination facilit% is availa"le to individual hirer of ,afe Deposit Locer

!n the case of a sole hirer of a safe deposit locer# nomination can "e made infavor of onl% one individual

&


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* speciall% designed account that offers twin "enefits of a savings as well as a current

account Customer>s funds continue to earn %ou interest while he en/o%s hasslefree "aning a

host of other features

Sa6a!7 A44$u%(s

!n this account customer can get salar% from where heshe doing such /o" andorgani$ation or compan% at where the customer of the "an in doing /o" deposit their salar% in to

the salar% account a person can get salar%

Th"!" a!" 8a!$us k%&s $) sa8%5 a44$u%(s % (h" HDFC Ba%k 6k"3 '

• 8a% roll account

• Classic salar% account

• Regular salar% account

•

8remium salar% account• Defense salar% account

• 9o frills salar% account

• Reim"ursement salar% account

K&s priorit% services have "ecome the "enchmar for "aning

efficienc%

9ow# with an HDFC Ban Current *ccount# e1perience the freedom of multicit%

"aning 8erson can have the power of multilocation access to his account from an% of our 0?& "ranches in ;@0 cities 9ot onl% that# he can do most of his "aning transactions from the

comfort of his office or home without stepping out

There are various inds of current account in this "an lie4

• 8lus current account

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HDFC Ban plus Current *ccount gives the power of intercit% "aning with a single

account and access to more than cities 8lus Current *ccount re3uires maintaining an average

3uarterl% "alance of Rs &


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B. +OAN SERVICES

!n toda%>s competitive world ever%thing happens onl% with the help of mone% or through the

mone% ever% person need mone% But some time a person has not cash on hand at that time he

needs lone either from an% friend or from an% financial institute Loan does not mean that onl%

lower class person needs it "ut also upper class person it is needed

*s per the re3uirement of the ever% person there are much t%pe of loans are there in the

HDFC "an

P"!s$%a6 6$a%

* person has so man% dreams "ut some time due to scarcit% of mone% a dream can>t "e

satisf% ,o# here one solution for that person this is personal loan From this heshe can fulfill

their needs or re3uirement !t can "e an%thing either a dream of vacation or sondaughter>s

admission to college or an% wedding# so personal loan can "e helpful in this entire re3uirement

*s person ordered in the hotel for tea or coffee and it is immediatel% came fast# same

over here an% person want to get a personal loan with the nominal documents he can get the loan

H$m" 6$a%

HDFC Ban "rings HDFC home loans to doorstep 2ith over ;< %ears of e1perience# a

dedicated team of e1perts and a complete pacage to meet all housing finance needs# HDFC

Home Loans# help people reali$e dream

V"h46"s 6$a%

9owada%s the life is "eing so fast# time value is "ecoming more important so to reach at

the destination of an% "usiness related occasion or for a "o% to reach college or an%where at the

fi1 time there are so man% re3uirement of vehicles But ever% people have no capacit% to

purchase vehicles with cash so for that here in the HDFC "an vehicles loan is availa"le There

are man% t%pes of vehicles loan

T7*"s $) 8"h46"s 6$a%3

• Two wheeler loans

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• 9ew car loan

• Jsed car loan

• Tractor loan (for agree culture "usiness)

• Commercial vehicle loan

,o# as per the re3uirement of the person there are these t%pes of loans are availa"le this

are at the chip rate and hassle free from more documentation and other procedure *nd

commercial "usinessman can get the "enefits of the commercial vehicles loans Thus as per the

need of different people there are vehicle loans availa"le *nd also terms and condition are

different as per the re3uirement

E9*!"ss 6$a% *6us

Ban offer 1press Loans 8lus at person Doorstep to help fulfill all hisher needs The

procedure is simple# documentation is minimal and approval is 3uic !t is helpful to person in

repairing of house# ,chool admission or also in the famil% holida%

G$6& 6$a%

2ith HDFC Ban's old Loan# person can get an instant loan against gold /eweller% and

ornaments The procedure is simple# documentation is minimal and approval is 3uic * person

can get 0


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Loans dis"ursed directl% to the educational institution !t is released as per fee schedules

of institutes 1clusive Telegraphic Transfer facilit% availa"le for courses a"road Loans

availa"le for short duration /o" oriented courses also

+$a% a5a%s( s"4u!(7

2ith HDFC Ban's Loan against ,ecurities# person can get an overdraft against securities

lie 3uit% ,hares# +utual Fund Jnits(3uit%# De"t# F+8s)# old 1change Traded

Fund(TF)#9*B*RD's Bhavish%a 9irman Bonds# 8olicies issued "% L!C ,elect 8rivate

!nsurance Companies# 9,C# :A8# JT! Bonds (*R, J,? Bonds) and old Deposit

Certificates# while still retaining ownership *nd the "est part is that he can continue to en/o% all

his shareholder "enefits such as rights# dividends and "onuses Loan availa"le to 9R!s against

,hares# +utual Funds (e3uit%# De"t# F+8s)# J,? Bonds# !nsurance 8olicies# 9,C# and :A8

+$a% a5a%s( *!$*"!(7

HDFC Ban "rings Loan *gainst 8ropert% (L*8) 8erson can now tae a loan against

residential or commercial propert%# to e1pand his "usiness# plan a dream wedding# and fund his

child's education and much more He can depend on "an to meet all his "usiness re3uirements

even to purchase a new shop or office for "usiness Loan to purchase Commercial 8ropert%

(LC8) is a speciall% designed product to help person e1pand his "usiness without reducing the

capital from his "usiness

These are loans services providing "% HDFC "an which are ver% hassle free and reall%

"enefits for most of customer and most of customer are satisfied "% the loan services providing

"% the "an

C. CARD SERVICES

!n toda%>s competitive and fast time card services providing "% the "ans are reall% ver%

important to ever% person and ever% "usiness needs or to tae meal in to the hotel or to purchase /eweller% from the /eweller% shops cards are pla%ing good role in the "aning sectors

Ban ranges of Cards help to meet financial o"/ectives ,o whether persons are looingto add to his "u%ing power# conducting cashless shopping# or "udgeting his e1penditure# he will

find a card that suits him

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C!"&( 4a!&s

* person wants man% things lie# a trip to Bali# a diamond ring for wife's dreams ,omedreams can't wait !f there's something person has alwa%s wanted !f a person wanted fulfill his

wants he can get "enefits from the HDFC "an>s credit cards facilities

D))"!"%( (7*"s $) 4!"&( 4a!&s

• Classic cards

• ,ilver Credit Card

• Aalue plus Credit Card

• Health 8lus Credit Card

• 8remium Cards4

• old Credit Card

• Titanium Credit Card

• 2oman's old Card

• 8latinum 8lus Credit Card• Aisa ,ignature Credit Card

• 2orld +asterCard

• Commercial Cards

• Corporate Credit Card

D"b( 4a!&

HDFC Ban De"it Cards give person complete and instant access to the mone% in his

accounts without the ris or hassle of carr%ing cash

T7*"s $) &"b( 4a!&3

• Classic card

• as% shop international De"it card

• 8remium card

• as% shop gold De"it card

• ,peciali$ed card

• as% ,hop !nternational Business De"it Card

• as% ,hop 2oman's *dvantage De"it Card

• as% ,hop 9R7 De"it Card

• :isan Card

P!"*a& 4a!&

Besides offering convenience# 8repaid Cards have "een tailored to answer travel and giftingneeds

• Fore18lus Cards

• 8repaid Travel Card

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• ift 8lus Cards

• 8repaid ift Card

• Food 8lus Cards

• 8repaid Food 8lus card

• +one% 8lus Card

• The Corporate 8a%ment card

D. INVES,ENT AND INSURANCE SERVICE

9owada%s a ward investment is "ecoming more popular 8erson invest their mone% in tovarious schemes or in to the gold or share maret etc "ut some time he is in to the difficult

situation# for that "an help person invest wisel% through financial and investment services

T7*"s $) %8"s(m"%(3 '

,u(ua6 Fu%&s

!nvest through the +utual Fund route to meet varied investment o"/ectives

Traditional 8lans Jnit Lined 8lans

HDFC children's 8L*9 HDFC Jnit Lined Ioung ,tar 8lus !!

HDFC +one% Bac 8lan HDFC Jnit Lined Ioung ,tar ,uvidha

HDFC ,avings *ssurance 8lan HDFC Jnit Lined Ioung ,tar ,uvidha 8lu

HDFC *ssurance 8lan HDFC Jnit Lined 8ension

HDFC Term *ssurance 8lan HDFC Jnit Lined 8ension 8lus

HDFC Loan Cover Term *ssurance 8lan HDFC Jnit Lined ndowment 8lus !!

HDFC ndowment *ssurance 8lan HDFC Jnit Lined ndowment ,uvidha

HDFC ,ingle 8remium 2hole of Life !nsurance HDFC Jnit Lined ndowment ,uvidha

HDFC Jnit Lined nhanced Life 8rotection

B$%&s

* secure investment avenue giving sta"le returns with ta1 "enefits

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Financial 8lanning

,tart 9ow 8lan investments to meet financial goals

:nowledge Centre

8rofit from research and mae informed investment decisions

3uities Derivatives

Leverage "an>s vast information repositor% and transact online +udra old Bar

Bu% @ :arat gold "ars made in ,wit$erland and certified "% *ssa%

E. FORE= AND TRADE SERVICE

9owada%s "usinesses "ecoming worldwide eg !ndia to *merica "ut main pro"lems are

a"out monitor% transaction "ecause at ever% countr% the currenc% "ecome changed so for that "ans are pla%ing a ver% important for the "usinesses

!f people need to deal in foreign currenc% and eep ta"s on e1change rates ever% now andthen# transfer monies to !ndia# mae pa%ments etc# HDFC Ban has a range of products and

services that people can choose from to transact smoothl%# efficientl% and in a timel% manner

Ba%k $))"!%5 )$66$>%5 F$!"5% E94ha%5" P!$&u4(s a%& S"!84"s

The following are different methods of transacting in Foreign 1change and remitting

mone%

Travelers Che3ues

Foreign Currenc% Cash

Foreign Currenc% Drafts

Che3ue Deposits

Remittances

Cash to +aster

Trade ,ervices

Fore1 ,ervices Branch Locator

!mportant guidelines and schedules *ll Foreign 1change transactions are conducted "%

strictl% adhering to RB! guidelines Depending on the nature of transaction or point of travel#

people will need to understand his Foreign 1change limits

• RB! uidelines

• Fore1 Limits

• 9on HDFC Ban *ccount Holders

• F*Ks

F. PAY,ENT SERVICE

17

http://www.hdfcbank.com/personal/forex/forex_products_services.htmhttp://www.hdfcbank.com/personal/forex/forex_products_services.htmhttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_travellers_chequeshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_cashhttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_draftshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_cheque_depositshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#remittanceshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#cash_masterhttp://www.hdfcbank.com/personal/forex/forex_trade_finance.htmhttp://www.hdfcbank.com/personal/forex/forex_branch_locator.htmhttp://www.hdfcbank.com/personal/forex/forex_rbi_guidelines.htmhttp://www.hdfcbank.com/personal/forex/forex_limits.htmhttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#non_hdfchttp://www.hdfcbank.com/personal/forex/forex_faqs.htmhttp://www.hdfcbank.com/personal/forex/forex_products_services.htmhttp://www.hdfcbank.com/personal/forex/forex_products_services.htmhttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_travellers_chequeshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_cashhttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_draftshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#fc_cheque_depositshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#remittanceshttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#cash_masterhttp://www.hdfcbank.com/personal/forex/forex_trade_finance.htmhttp://www.hdfcbank.com/personal/forex/forex_branch_locator.htmhttp://www.hdfcbank.com/personal/forex/forex_rbi_guidelines.htmhttp://www.hdfcbank.com/personal/forex/forex_limits.htmhttp://www.hdfcbank.com/personal/forex/forex_products_services.htm#non_hdfchttp://www.hdfcbank.com/personal/forex/forex_faqs.htm


18/34

9owada%s life of a person "ecome ver% stressful and heshe "ecoming "us% with their own

"usiness# "ut the% have to pa%ment for something so for that reason "an>s pa%ment services

"ecome started 2ith HDFC Ban's pa%ment services# person can "id good"%e to 3ueues and paper wor Ban>s range of pa%ment options mae it eas% for pa% for a variet% of utilities and

services

V"!)"& B7 Vsa

Do %ou want to "e worr% free for %our online purchases 9ow %ou can shop securel%online with %our e1isting Aisa De"itCredit card

N"( Sa)"

9ow shop online without revealing %our HDFC Ban Credit Card num"er 2hat more#

%ou can now use %our HDFC Ban De"it Card also for online purchases

,"!4ha%( S"!84"s

*ccept all Aisa# +asterCard# credit and De"it cards at %our outlets through state of the art87, +achines or through %our we"site and e1perience hassle free pa%ment acceptance

P!"*a& ,$b6" R")66

!f %ou are an HDFC Ban *ccount holder# %ou can now recharge %our 8repaid +o"ile

8hone with this service

B66 Pa7

8a% %our telephone# electricit% and mo"ile phone "ills at %our convenience Through the

!nternet# *T+s# %our mo"ile phone and telephone with Bill 8a%# our comprehensive "ill pa%ments solution

Vsa B66 Pa7

8a% %our utilit% "ills from the comfort of %our homeM 8a% using %our HDFC Ban Aisacredit card and forget long 3ueue and late pa%ments forever

Pa7 N$>

Jse %our HDFC Ban Credit Card to pa% %our utilit% "ills online# mae su"scriptions and

donationsN no registration re3uired n/o% credit free period and reward points as per %our credit

card features

I%s(a Pa7

8a% %our "ills# mae donations and su"scri"e to maga$ines without going through the

hassles of an% registration

D!"4( Pa7

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,hop or 8a% "ills online without cash or card De"it %our account directl% with our Direct

8a% serviceM

Vsa ,$%"7 T!a%s)"!

Transfer funds to an% Aisa Card (de"it or credit) within !ndia at %our own convenience

through HDFC Ban's 9et Baning facilit%

E-Monies Na($%a6 E6"4(!$%4 Fu%&s T!a%s)"!

Transfer funds from %our account to other Ban accounts across !ndia FR of cost

O%6%" Pa7m"%( $) E94s" : S"!84" Ta9

• +ae %our 1cise and ,ervice Ta1 pa%ments at %our own convenience through

HDFC Ban's 9et Baning facilit%

• Religious 7fferings• 9ow donate to %our favorite temple easil% and securel% using HDFC B*9:'s 9et

Baning

G. NRI BANKING

2ith a view to attract the savings and other remittance into !ndia through "aning channels

from the person of !ndian 9ationalit% 7rigin who are residing a"road and "olster the "alance of

pa%ment position# the overnment of !ndia introduced in &0< 9onResident(1ternal) *ccount

Rules which are governed "% the 1change Control Regulations

The funds held in 9onResident (1ternal) *ccounts (9R *ccounts) 3ualif% for certain

"enefits lie e1emptions from ta1es in !ndia# free repatriations facilities# etc

D"*$s( (7*"s

9R!Baning facilitates the 9R! customer to open the following account t%pes

• 9R (9on Resident 1ternal *ccounts)• !t can "e in the form of ,avings# Current or fi1ed deposits in !ndian

rupees The funds in this account are full% repatria"le

• 9R7 (9on Resident 7rdinar% *ccounts)

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• !t can "e in the form of ,avings# Current or Fi1ed Deposits in !ndian

Rupees The funds in this account are not repatria"le (onl% interest accrued

is repatria"le)

• FC9R (Foreign Currenc% 9on Resident *ccounts)

• !t can "e in the form of fi1ed Deposits onl%# in the five ma/or currencies#namel% J, Dollars# B8# D+# uro# and -apanese Ien The funds in thisaccount are full% repatria"le

-.2 BUSINESS SEG,ENT

HDFC Ban offers a wide range of commercial and transactional "aning services and

treasur% products to wholesale and retail customers The "an has three e% "usiness segments4

0h$6"sa6" Ba%k%5 S"!84"s3

The Ban's target maret ranges from large# "luechip manufacturing companies in the

!ndian corporate to small midsi$ed corporate and agri"ased "usinesses For these customers#

the Ban provides a wide range of commercial and transactional "aning services# including

woring capital finance# trade services# transactional services# cash management# etc The "an is

also a leading provider of structured solutions# which com"ine cash management services with

vendor and distri"utor finance for facilitating superior suppl% chain management for its corporate

customers Based on its superior product deliver% service levels and strong customer

orientation# the Ban has made significant inroads into the "aning consortia of a num"er of

leading !ndian corporate including multinationals# companies from the domestic "usiness houses

and prime pu"lic sector companies !t is recogni$ed as a leading provider of cash management

and transactional "aning solutions to corporate customers# mutual funds# stoc e1change

mem"ers and "ans

R"(a6 Ba%k%5 S"!84"s3

The o"/ective of the Retail Ban is to provide its target maret customers a full range of

financial products and "aning services# giving the customer a onestop window for all hisher

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"aning re3uirements The products are "aced "% worldclass service and delivered to the

customers through the growing "ranch networ# as well as through alternative deliver% channels

lie *T+s# 8hone Baning# 9et Baning and +o"ile Baning

The HDFC Ban 8referred program for high net worth individuals# the HDFC Ban 8lus

and the !nvestment *dvisor% ,ervices programs have "een designed eeping in mind needs of

customers who see distinct financial solutions# information and advice on various investment

avenues The Ban also has a wide arra% of retail loan products including *uto Loans# Loans

against mareta"le securities# 8ersonal Loans and Loans for Twowheelers !t is also a leading

provider of Depositor% 8articipant (D8) services for retail customers# providing customers the

facilit% to hold their investments in electronic form

HDFC Ban was the first "an in !ndia to launch an !nternational De"it Card in

association with A!,* (A!,* lectron) and issues the +aster card +aestro de"it card as well

The Ban launched its credit card "usiness in late @


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CHAPTER

CORPORATE SOCIA+ RESPONSIBI+ITY

INTRODUCTION

Corporate social responsi"ilit% (C,R# also called corporate conscience# corporate citi$enship or

sustaina"le responsi"le "usiness Responsi"le Business) is a form of corporate selfregulation

integrated into a "usiness model C,R polic% functions as a selfregulator% mechanism where"%

a "usiness monitors and ensures its active compliance with the spirit of the law# ethical standards

and international norms 2ith some models# a firm's implementation of C,R goes "e%ond

compliance and engages in Oactions that appear to further some social good# "e%ond the interests

of the firm and that which is re3uired "% lawO C,R aims to em"race responsi"ilit% for corporate

actions and to encourage a positive impact on the environment and staeholders including

consumers# emplo%ees# investors# communities# and others

The term Ocorporate social responsi"ilit%O "ecame popular in the &?


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8roponents argue that corporations increase long term profits "% operating with a C,R

perspective# while critics argue that C,R distracts from "usiness' economic role * @


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CSR PO+ICY AS PER CO,PANIES ACT 2?1-

CORE E+E,ENTS

The C,R 8olic% should normall% cover following core elements4

1. Ca!" )$! a66 S(ak"h$6&"!s3 The companies should respect the interests of# and "e responsive

towards all staeholders# including shareholders# emplo%ees# customers# suppliers# pro/ect

affected people# societ% at large etc and create value for all of them The% should develop

mechanism to activel% engage with all staeholders# inform them of inherent riss and mitigate

them where the% occur

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2. E(h4a6 )u%4($%%53 Their governance s%stems should "e underpinned "% thics#

Transparenc% and *ccounta"ilit% The% should not engage in "usiness practices that are a"usive#

unfair# corrupt or anticompetitive

-. R"s*"4( )$! 0$!k"!s@ R5h(s a%& 0"6)a!"3 Companies should provide a worplace

environment that is safe# h%gienic and humane and which upholds the dignit% of emplo%ees

The% should provide all emplo%ees with access to training and development of necessar% sills

for career advancement# on an e3ual and nondiscriminator% "asis The% should uphold the

freedom of association and the effective recognition of the right to collective "argaining of

la"our# have an effective grievance redressal s%stem# should not emplo% child or forced la"our

and provide and maintain e3ualit% of opportunities without an% discrimination on an% grounds in

recruitment and during emplo%ment

. R"s*"4( )$! Huma% R5h(s3 Companies should respect human rights for all and avoid

complicit% with human rights a"uses "% them or "% third part%

/. R"s*"4( )$! E%8!$%m"%(3 Companies should tae measures to chec and prevent pollutionN

rec%cle# manage and reduce waste# should manage natural resources in a sustaina"le manner and

ensure optimal use of resources lie land and water# should proactivel% respond to the challenges

of climate change "% adopting cleaner production methods# promoting efficient use of energ%

and environment friendl% technologies

. A4(8("s )$! S$4a6 a%& I%46us8" D"8"6$*m"%(3 Depending upon their core competenc%

and "usiness interest# companies should undertae activities for economic and social

development of communities and geographical areas# particularl% in the vicinit% of their

operations These could include4 education# sill "uilding for livelihood of people# health#

cultural and social welfare etc particularl% targeting at disadvantaged sections of societ%

I,P+E,ENTATION GUIDANCE The C,R polic% of the "usiness entit% should provide for an implementation strateg%

which should include identification of pro/ectsactivities# setting measura"le ph%sical

targets with timeframe# organi$ational mechanism and responsi"ilities# time schedules

and monitoring Companies ma% partner with local authorities# "usiness associations and

civil societ%nongovernment organi$ations The% ma% influence the suppl% chain for

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C,R initiative and motivate emplo%ees for voluntar% effort for social development The%

ma% evolve a s%stem of need assessment and impact assessment while undertaing C,R

activities in a particular area !ndependent evaluation ma% also "e undertaen for selected

pro/ectsactivities from time to time

Companies should allocate specific amount in their "udgets for C,R activities This

amount ma% "e related to profits after ta1# cost of planned C,R activities or an% other

suita"le parameter

To share e1periences and networ with other organi$ations the compan% should engage

with well esta"lished and recogni$ed programmesplatforms which encourage responsi"le

"usiness practices and C,R activities This would help companies to improve on their

C,R strategies and effectivel% pro/ect the image of "eing sociall% responsi"le

The companies should disseminate information on C,R polic%# activities and progress in

a structured manner to all their staeholders and the pu"lic at large through their we"site#

annual reports# and other communication media

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CSR ACTIVITIES AND FINANCIA+ INC+USION OF HDFC

BANK

.2 CORPORATE SOCIA+ RESPONSIBI+ITY CSR

HDFC Ban# C$!*$!a(" S$4a6 R"s*$%sb6(7 is all a"out developing a "usiness model

that not onl% creates economic value "ut also contri"utes to a health% ecos%stem and strong

communities 7ur endeavor is to evolve and develop appropriate "usiness processes and

strategies to achieve a common goal which contri"utes to the greater good

Sustainable Livelihood

HDFC Ban's ,ustaina"le Livelihood !nitiative is a "usiness model that has helped

empower thousands of people# particularl% women# in rural parts of !ndia Through this initiative#the Ban reaches out to the un"aned and under"aned segment of the population and in doing

so# helps as man% people as possi"le at the "ottom of the p%ramid "% providing them with

livelihood finance!t involves a holistic approach from offering training and enhancing occupation sills to

providing credit counselling# financial literac% and maret linages which financiall% empowers

people and "rings them into the "aning fold

The Capacit% Building 8rogram (CB8) has "een ver% successful in creating a positive

impact on the lives of man% The program focuses on providing e% sills that on

providing e% sills that empower people to earn a respecta"le and "etter livelihood

HDFC Ban's ,ustaina"le Livelihood !nitiative (,L!) empowers women in rural !ndia "%giving them direct access to livelihood finance# as well as nonfinancial services such asoccupational training# credit counselling and financial literac% training

Th!$u5h (hs %(a(8" >" ha8" !"a4h"& $u( ($ $8"! 2? 6akh h$us"h$6&s a4!$ss

2 s(a("s !n addition to this# we partner 97s at the grassroots to provide sill trainingto over @


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HDFC Ban has alwa%s recogni$ed the importance of giving "ac to societ% HDFC

Ban's P$>"! $) Ba%k%5 programme aims to cover overnmentovernmentaided8rivate school students "etween the age group of && and &. %ears

Through our Sus(a%ab6" +8"6h$$& I%(a(8" S+I we also offer nonfinancial

services such as credit counselling and financial literac% training# in addition to providing

access to livelihood finance HDFC Ban "elieve that financial literac% is a powerful tool to empower peopleN one that

will help accelerate the pace of financial inclusion

The "an conducts rural financial literac% initiatives across the countr% under the aegis of the

RB! to complement its efforts to support inclusive growth and tae formal "aning services to

remote corners of !ndia

Financial literac% pro/ects in ?


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Jnder the Famil% Based Care (FBC) programme# HDFC Ban has supported

intensive# residential and holistic development of -? 4h6&!"% in Raipur# Bhopal and,rinagar

Through the Chota% Tara% Foundation# we have supported the education# training and

reha"ilitation needs of -/ s*"4a6 4h6&!"% in ,rinagar

Cha%5%5 68"s (h!$u5h (!a%%5

!n an educational s%stem and occupational econom% that is vastl% sewed towards formalacademics for gaining livelihood# it is practicall% the end of the road for millions of %oung who

do not complete their education HDFC Ban's livelihood initiatives are aimed at training and

capacit% development of %outh and women from economicall% weaer sections of societ% and toempower them to gain access to opportunities and growth HDFC Ban's livelihood support

programmes are aimed at empowering competenc%"ased# silloriented technical and vocational

training

HDFC Ban tied up with Hope Foundation for providing sill "ased training incomputers# life sills and retail management courses to 1?? 7$u(h % K$6a!

&s(!4(# Ka!%a(aka.

0G successful placements have alread% "een made possi"le through various

industr% tie ups

Together with 9ational Ban of -ammu :ashmir (9B-:)# HDFC Ban will

provide vocational training to .&< %outh# creating opportunities for /o"s in iridh

district# -harhand

S$ )a! 1- 7$u(h ha8" b""% (!a%" $u( $) >h4h 1?? ha8" b""% su44"ss)u667

*6a4"& (h!$u5h &))"!"%( %&us(!7 (" u*s. The remaining ;;0 %outh will "e

trained in the ne1t ; months

The /oint initiative of HDFC Ban and +itra -%othi impacted lives of E? people in

Bangalore Jnder this pro/ect# the% were provided training on computer sills

which included "asic nowledge on computer programmes and short term course

on advance level +, 1cel training

1 4a%&&a("s >(h 8sua6 m*a!m"%( a%& >(h 6$4$m$($! &sab6(7 >"!"

"%5a5"& % 8a!$us %&us(!"s su4h as ("6"ma!k"(%5# ass"mb67 a%& 5a!m"%(.

- s(u&"%(s a%& 7$u(h ha8" b""% (!a%"& )!$m U&a7a% Ca!" IT'VT

4"%(!"s to enhance their emplo%a"ilit% for "etter livelihood options

The pro/ect addresses illiterac%# child la"our and drop out from school faced "%

the underprivileged children in :arnataa A ($(a6 $) -1 4h6&!"% b"(>""% (h"

a5" 5!$u*s $) / a%& 1 7"a!s s(u&7%5 % G$8"!%m"%( s4h$$6s ha8" b""%su**$!("&.

The one %ear intervention resulted in improved academic performance# selfesteem and confidence among these children and increased awareness among

people a"out the needs of underprivileged children

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C$mmu%(7 %(a(8"s

Development in a large countr% such as ours "rings with it various challengesN theforemost is to translate economic growth to sustaina"le development 2ith a mission of

empowering lives# our approach has meant greater involvement with communities in which we

operate 2e tae on a num"er of need"ased pro/ects that will help us mae a difference to

people's lives

!n response to the water crisis in +aharashtra# our "an has partnered with the ,ri ,ath%a

,ai 7rgani$ation to construct rain water harvesting structures in three villages in

+aharashtra This will ena"le these villages to address the water situation and encourage

similar local construction

HDFC Ban has set up five "lood storage centres in various states across !ndia

HDFC Ban will "e undertaing the construction of sanitation facilities at Va%8as

Ka67a% Ash!am S4h$$6# +angaon# +aharashtra Jnder this pro/ect 1/? (!ba6 5!6

s(u&"%(s will "e "enefited !n partnership with Child *id Foundation# (h" Ba%k has b""% ab6" ($ *!$8&" su**$!(

($ -/? *$$! a%& %""&7 4h6&!"% under Aid%a ducation 8ro/ect# *shra%a Home 8ro/ect

and Balia irls' 8ro/ect

!n the last @. %ears# Va(hsa67a has b""% ab6" ($ !"s4u" $8"! 1?? 4h6&!"% a%& *6a4"&

ab$u( ?? $) (h"m % *"!ma%"%( h$m"s (h!$u5h a&$*($%.

HDFC Ban has entered into a partnership with the 97 and will support @(h $8"! /2? ("ams a%& $8"! #1?? 4h6&!"%*a!(4*a(%5. ?


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.- FINANCIA+ INC+USION

Financial inclusion can "e defined as providing afforda"le access to "asic "aning products and "aning services lie savings# loans# remittances# insurance# etc to the hitherto

e1cluded and often underprivileged and disadvantaged sections of the societ% This

disadvantaged section of the population comprises of marginal farmers# dail% wage landlessla"ourers# unorgani$ed sector emplo%ees# ur"an slum dwellers# oral lessees# minorit%

communities# ,Cs,Ts# sociall% e1cluded groups and women !n !ndia# afforda"le access to "asic

financial services has "een denied to a ma/orit% of the population in the astern# 9orth asternand Central !ndian states "esides several districts in other parts of the countr% Financial

e1clusion is often the s%mptom as well as the cause of povert% Hence inclusion "ecomes a ma/or

prere3uisite to povert% alleviation The services to "e offered under financial inclusion

constitute providing 5nofrills6 account# access to savings products# providing eas% and right3uantum of credit at afforda"le interest rates# insurance at afforda"le premium# etc

Financial e1clusion has "een predominant in rural areas primaril% due to poorinfrastructure resulting in lesser access This along with financial illiterac%# "urdensome

documentation and procedures insisted "% formal sources of credit# lac of customi$ed financial

products leads to e1clusion Lac of credit histor% and a"sence of documentar% proof of identit%or address of the prospective "orrowers "ecome o"stacles for formal sources of credit to provide

access to financial services Conse3uentl%# this segment of the population goes to informal

sources of credit for hisher financial needs even though it is costlier

HDFC Ba%k % F%a%4a6 I%46us$%

2ith the o"/ective of ensuring greater financial inclusion and increasing the outreach of

the "aning sector into un"aned and under"aned areas# the RB! had permitted "ans to usethe services of intermediaries such as 97s ,Hs (,elf Help roups) in providing financial

and "aning services through Business Facilitator and Business Correspondent models This was

a shot in the arm for the "an and the "an immediatel% conceptuali$ed and implemented amethod to achieve financial inclusion

The "an has now successfull% adopted the Business Correspondent (BC) model# asenvisaged under the RB! guidelines and we have made a conscious strateg% to disperse micro

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credit# thrift# insurance# remittance and other financial services where it is needed the most

Based on this strateg%# the "an has formulated this ,H Ban linage programme using the

services of the BCs to "ring in more clientele under financial inclusion and started implementingthe same from ,eptem"er @


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The "an has designed an e1clusive savings product for ,Hs and provided

5R7 B*L*9C97 FR!LL *ccounts' for them Till date &0#0E ,Hs have

"een provided with such facilit%. < 3ualified# e1perienced# and speciall% trained relationship managers from

reputed institutions with high levels of commitment and social orientation are on

"oard in the "usiness division to run this programme

CONC+USION

HDFC Ban# the "aning arm of HDFC is e1pected to go on stream The "an alread%

has good num"er of emplo%ees on "oard and is recruiting personal "aner heavil% to tae the

headcount to man% more !t is on the "rim of increasing its customers through its attractive

schemes and offer

The pro/ect opportunities provided was maret segmentation and identif%ing prospective

customers in potential geographical location and convincing them to attract more customers sothat new "usiness opportunities of the "an can "e e1plored Through this pro/ect# it could "e

concluded that people are not much aware a"out the various products of the "an and man%

of them not interested to open an account# to invest mone% at all services was considered asunsought good which re3uire hard core selling# "ut in changing trend in income and

people "ecoming financiall% literate# the demand for "aning sector is increasing da% "% da%

,o# at last the conclusion is that there is tough competition ahead for the compan% from

its ma/or competitors in the "aning sector Last "ut not the least ! would lie to than HDFC

Ban for giving me an opportunit% to wor in the field of +areting and 7peration ! hope the

compan% finds m% anal%sis relevant

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BIB+IOGRAPHY

>>>.s4!b&.4$m

>>>.ma%a5"m"%(*a!a&s".4$m

>>>.>k6"ak.4$m

>>>.>k*"&a.4$m

>>>.%8"s($*"&a.4$m

RBI Bu66"(%

• E4$%$m4 Tm"s
http://www.scribd.com/http://www.managementparadise.com/http://www.wikileak.com/http://www.wikipedia.com/http://www.investopedia.com/http://www.scribd.com/http://www.managementparadise.com/http://www.wikileak.com/http://www.wikipedia.com/http://www.investopedia.com/

Csr at Hdfc Bank

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