Hdfc Bank Project Nirali

8/19/2019 Hdfc Bank Project Nirali

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CHAPTER- 1

INTRODUCTION

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CHAPTER- 1

INTRODUCTION

CHAPTER- 1

INTRODUCTION 1.1

HISTORY OF BANKING

Banking is nearly as old as civilization. Te istory o! "anking co#ld "e said to ave

started $it te a%%earance o! &oney. Te !irst record o! &inted &etal coins $as in

'eso%ota&ia in a"o#t ()**B.+. te !irst ,#ro%ean "anknotes- $ic $as and$ritten

a%%eared in//- in S$eden. ce0#e and %rinted %a%er &oney a%%eared in te 1**2s

and 3**2s- $it &any "anks created to deal $it increasing trade.

Te istory o! "anking in eac co#ntry r#ns in lines $it te develo%&ent o! trade

and ind#stry- and $it te level o! %olitical con!idence and sta"ility. Te ancientRo&ans develo%ed an advanced "anking syste& to serve teir vast trade net$ork-

$ic e4tended tro#go#t ,#ro%e- Asia and A!rica.

'odern "anking "egan in 5enice. Te $ord "ank co&es !ro& te Italian $ord 6ban

co”, &eaning "enc- "eca#se &oneylenders $orked on "ences in &arket %laces. Te

"ank o! 5enice $as esta"lised in 1 to el% te govern&ent raise !inance !or a $ar.

At te sa&e ti&e- in ,ngland &ercant started to ask golds&its to old gold and

silver in teir sa!es in ret#rn !or a !ee. Recei%ts given to te 'ercant $ere so&eti&es

#sed to "#y or sell- $it te &etal itsel! staying #nder lock and key. Te golds&it

realized tat tey co#ld lend o#t so&e o! te gold and silver tat tey ad and carge

interest- as not all o! te &ercants $o#ld ask !or te gold and silver "ack at te sa&e

ti&e. ,vent#ally- instead o! carging te &ercants- te golds&its %aid te& to

de%osit teir gold and silver.

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Te "ank o! ,ngland $as !or&ed in /78 to "orro$ &oney !ro& te %#"lic !or te

govern&ent to !inance te $ar o! A#gs"#rg against France. By 1*7- golds&it $ere

#sing "ank o! ,ngland notes o! teir o$n recei%ts.

Ne$ tecnology trans!or&ed te "anking ind#stry in te 7**2s ro#nd te $orld-

"anks &erged into larger and !e$er gro#%s and e4%anded into oter co#ntry.

BANKING STRUCTURE IN INDIA:1.2

In today2s dyna&ic $orld "anks are inevita"le !or te develo%&ent o! a co#ntry.

Banks %lay a %ivotal role in enancing eac and every sector. Tey ave el%ed "ring

a dra$ o! develo%&ent on te $orld2s orizon and develo%ing co#ntry like India is no

e4ce%tion.

Banks !#l!ills te role o! a !inancial inter&ediary. Tis &eans tat it acts as a veicle

!or &oving !inance !ro& tose $o ave s#r%l#s &oney to 9o$ever te&%orarily:

tose $o ave de!icit. In everyday "ranc ter&s te "anks cannel !#nds !ro&

de%ositors $ose acco#nts are in credit to "orro$ers $o are in de"it.

;ito#t te inter&ediary o! te "anks "ot teir de%ositors and teir "orro$ers $o#ld

ave to contact eac oter directly. Tis can and does a%%en o! co#rse. Tis is $at

as lead to te very !o#ndation o! !inancial instit#tion like "anks.

Be!ore !e$ decades tere e4isted so&e in!l#ential %eo%le $o #sed to land &oney.

B#t a s#"stantially ig rate o! interest $as carged $ic &ade "orro$ing o! &oneyo#t o! te reac o! te &a


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Banking ind#stry as al$ays revolved aro#nd te traditional !#nction o! taking

de%osits- &oney trans!er and &aking advances. Tose tree are closely related to eac

oter- te o"


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INDIAN BANKING INDUSTRY ANAYSIS:1.!

Te "anking scenario in India as "een canging at !ast %ace !ro& "eing


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Te %ro"le& !aced "y te "anking ind#stry soon s#r!aced in teir "alance seets. B#t

te %revailing acco#nting %ractices #na"le "anks to dodge te iss#e.

Te r#les o! te ga&e #nder $ic "anks o%erated canged in 77=. Nor&s or inco&e

Recognition- Assets classi!ication and loan loss %rovisioning $ere %#t in %lace and

ca%ital ade0#acy ratio "eco&e &andatory. Te c#lative i&%act o! all tese canges

as "een on te conce%t o! state o$nersi% in "anks. It is increasingly "eco&ing clear

tat te state o$nersi% in "ank is no longer s#staina"le.

Te a&end&ent o! "anking reg#lation act in 77= sa$ te entry o! ne$ %rivate sector

"anks and !oreign "anks.

'AOR @?AY,R IN INIA

. HF+ BANK ?T

(. I+I+I BANK ?T

=. STAT, BANK OF INIA ?T

8. @CNAB NATOINA? BANK ?T

). BANK OF BAROA ?T

/. F,,RA? BANK ?T

1. ADIS BANK ?T

3. ING 5YSYA BANK ?T

7. IBI BANK ?T

*. INCSIN BANK ?T

. Y,S BANK ?T

INTRODUCTION

Te Ho#sing evelo%&ent Finance +or%oration ?i&ited 9HF+: $as a&ongst te

!irst to receive an Ein %rinci%leE a%%roval !ro& te Reserve Bank o! India 9RBI: to

set #% a "ank in te %rivate sector- as %art o! te RBIEs li"eralization o! te Indian

Banking Ind#stry in 778. Te "ank $as incor%orated in A#g#st 778 in te na&e

o! EHF+ Bank ?i&itedE- $it its registered o!!ice in '#&"ai- India. HF+ Bank

co&&enced o%erations as a Sced#led +o&&ercial Bank in an#ary 77). HF+ is

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IndiaEs %re&ier o#sing !inance co&%any and en


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2007 2008 2009

29.1

38.243.9

Sna"#$o%

Co&"an' Bac()*o+n

In+#%*' Finance Banks @rivate Sector.

B+#n## G*o+" HF+ Gro#%

Inco*"o*a%on Da% =>(>778

P+b/c I##+ Da% =>(>77)

0ac a/+ *.****

Co&"an'B+#n## R)#%*a%on No IN,*8*A**3

K' O33ca/# CEO Aditya %#ri

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HISTORY OF HF+ BANK.)

HF+ BANK ?T $as incor%orated in A#g#st 778 in te na&e o! EHF+ Bank

?i&itedE-$it its registered o!!ice in '#&"ai- India. HF+ Bank co&&enced

o%erations as a Sced#led +o&&ercial Bank in an#ary 77).

I! ever tere $as a &an $it a &ission it $as Ha#&+($b$a Pa*($, 0o+n* an

C$a*&an-E&*%+#, o3 HD0C G*o+". HD0C BANK TD $as a&ongst te !irst

to set #% a "ank in te %rivate sector. Te "ank $as incor%orated on =*t A#g#st 778

in te na&e o! HF+ Bank ?i&ited2- $it its registered o!!ice in '#&"ai.It

co&&enced o%erations as a Sced#led +o&&ercial Bank on /t an#ary 77). Te

"ank as gro$n consistently and is no$ a&ongst te leading %layers in te ind#stry

.

HF+ is IndiaEs %re&ier o#sing !inance co&%any and en


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'ISSION

I. ;orld +lass Indian Bank

II. Benc&arking against international standards.

III. To "#ild so#nd c#sto&er !rancises across distinct "#sinesses

I5. Best %ractices in ter&s o! %rod#ct o!!erings- tecnology- service levels- risk

&anage&ent and a#dit J co&%liance

ISION STATEMENT O0 HD0C BANK

Te HF+ Bank is co&&itted to &aintain te igest level o! etical standards-

%ro!essional integrity and reg#latory co&%liance. HF+ Bank2s "#siness %iloso%y

is "ased on !o#r core val#es s#c as

. O%erational e4cellence.

(. +#sto&er Foc#s.

=. @rod#ct leadersi%.

8. @eo%le.

Te o"


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BOAR OF IR,+TORS

@,RSON ,SIGNATION

'r. agdis +a%oor 5ice @resident

'r. Aditya @#ri 'anaging irector

'r. @ares S#ktankar ,4ec#tive irector

'r. Haris ,ngineer ,4ec#tive irector

'r. Keki '. 'istry irector

'r. Asi& Sa&anta irector

'r. Arvind @ande irector

'rs. Ren# Karnad irector

'r. + ' 5as#dev irector

'r. Ga#ta& ivan irector

r. @andit @alande irecto

TO@ 'ANAG,',NT

A"ay Ai&a ,0#ities J @rivate Banking and NRI B#siness

Anil aggia In!or&ation Tecnology and ?egal

Asis @artasart Treas#ry

Barat Sa 'ercant SeRvices

G S#"ra&anian A#dit J +o&%liance

Kaizad 'aneck +redit J 'arket Risk

'andee% 'aitra H.R- Ad&in J In!rastr#ct#re

Navin @#ri Branc Banking

@ralay 'ondal Assets J +R,IT +ARS

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Ra#l N Bagat Retail ?ia"ilities- 'arketing J irect Banking +annels

Anantanarayan O%erations

Sasi agdisan Finance

S#dir osi Treas#ry

BUSINESS HEADS

A Asokan ,&erging ,nter%rise Gro#%

A&it K#&ar Retail Branc Banking;est

Anil Nat B#siness Banking ;orking +a%ital J Retail Agri

Ar#% Raksit Treas#ry

Asi&a Kanna Bat ,&erging +or%orate Gro#%

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Asok Kanna Retail Assets T;

Baves +and#lal ;olesale O%erations

Bi


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IBA Banking

Tecnology

A$ards (**7

6B#% IT Go7*nanc A8a* - R+nn* +"6

Glo"al Finance

A$ard

6B#% T*a 0nanc Ban( n Ina 3o* 2445

IRBT Banking

Tecnology

,4cellence A$ard

(**3

6B#% IT Go7*nanc an a/+ D/7*'6

Asian Banker

,4cellence in

Retail Financial

Services

6A#an Ban(* B#% R%a/ Ban( n Ina A8a* 2445 6

YEAR-2449

FINAN+, ASIA

+OCNTRY

A;ARS FOR

A+HI,5,',NT

(**3

6BEST BANK AND BEST CASH MANAGEMENT

BANK6

+NNIBN 6Inan o3 %$ Ya* B+#n##;6

Nassco& IT Cser

A$ard (**3

6B#% IT Ao"%on n %$ Ban(n) Sc%o*6

B#siness India 6B#% Ban( 24496

For"es Asia 0ab


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+enter A$ard o!

ono#r

#*7c#.

B#siness Today On o3 Ina6# =Mo#% Inno7a%7 Co&"an#=

Financial ,4%ress,rnst J Yo#ng

A$ard

B#% Ban( A8a* n %$ P*7a% Sc%o* ca%)o*'

Glo"al HR

,4cellence A$ards

Asia @aci!ic

HR'

6E&"/o'* B*an o3 %$ Ya* 244> -24496 A8a* - 0*#%

R+nn* +", ? &an' &o*

B#siness Today 6B#% Ban(6 A8a*

YEAR-244>

CN J

BRASTR,,T

A',RI+AN

,D@R,SS

+OR@ORAT,

B,ST BANKA;AR (**1

6CORPORATE BEST BANK6 A@ARD

Te Bo&"ay Stock

,4cange and

Nassco&

Fo#ndationEs

B#siness !or Social

Res%onsi"ility

A$ards

6B#% Co*"o*a% Soca/ R#"on#b/%' P*ac%c6 A8a*

NT5 @ro!it B#% Ban( A8a* n %$ P*7a% #c%o* ca%)o*'.

Te Asian Banker

,4cellence in

Retail Financial

Services

B#% R%a/ Ban( n Ina

Asian Banker O+* Mana)n) D*c%o* A%'a P+* 8n# %$

a*#$" Ac$7&n% A8a* 3o* Ina

15

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BUSINESS SEGMENT

HF+ Bank o!!ers a $ide range o! co&&ercial and transactional "anking services

and treas#ry %rod#cts to $olesale and retail c#sto&ers. Te "ank as tree key

"#siness seg&ents

@$o/#a/ Ban(n) S*7c#:

Te BankEs target &arket ranges !ro& large- "l#eci% &an#!act#ring co&%anies

in te Indian cor%orate to s&all J &idsized cor%orate and agri"ased "#sinesses.

For tese c#sto&ers- te Bank %rovides a $ide range o! co&&ercial and

transactional "anking services- incl#ding $orking ca%ital !inance- trade services-

transactional services- cas &anage&ent- etc. Te "ank is also a leading %rovider

o! str#ct#red sol#tions- $ic co&"ine cas &anage&ent services $it vendor

and distri"#tor !inance !or !acilitating s#%erior s#%%ly cain &anage&ent !or its

cor%orate c#sto&ers. Based on its s#%erior %rod#ct delivery > service levels and

strong c#sto&er orientation- te Bank as &ade signi!icant inroads into te

"anking consortia o! a n#&"er o! leading Indian cor%orate incl#ding

ltinationals- co&%anies !ro& te do&estic "#siness o#ses and %ri&e %#"lic

sector co&%anies. It is recognized as a leading %rovider o! cas &anage&ent and

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transactional "anking sol#tions to cor%orate c#sto&ers- t#al !#nds- stock

e4cange &e&"ers and "anks.

R%a/ Ban(n) S*7c# :

Te o" credit cards acce%tance at

&ercant esta"lis&ents.

T*a#+*':

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;itin tis "#siness- te "ank as tree &ain %rod#ct areas Foreign ,4cange and

erivatives- ?ocal +#rrency 'oney 'arket J e"t Sec#rities- and ,0#ities. ;it te

li"eralization o! te !inancial &arkets in India- cor%orate need &ore so%isticated risk

&anage&ent in!or&ation- advice and %rod#ct str#ct#res. Tese and !ine %ricing on

vario#s treas#ry %rod#cts are %rovided tro#g te "ankEs Treas#ry tea&. To co&%ly

$it stat#tory reserve re0#ire&ents- te "ank is re0#ired to old ()M o! its de%osits in

govern&ent sec#rities. Te Treas#ry "#siness is res%onsi"le !or &anaging te ret#rns

and &arket risk on tis invest&ent %ort!olio.

@ROC+T OF HF+ BANK

A++OCNT J ,@OSITS S,R5I+,.1

Banking so#ld "e e!!ortless. ;it HF+ Bank- te e!!orts are re$arding. No

&atter $at a c#sto&erEs need and occ#%ational stat#s- $e ave a range o! sol#tions

tat are second to none. ;eter yo#Ere e&%loyed in a co&%any and need a si&%le

Savings acco#nt or r#n yo#r o$n "#siness and re0#ire a ro"#st "anking %artner-

HF+ Bank not only as te %er!ect sol#tion !or yo#- "#t also can reco&&end

%rod#cts tat can a#g&ent yo#r %lanning !or te !#t#re.

It incl#des tese services

Saving acco#nts.

+#rrent acco#nts.

Fi4 de%osits.

e&ate acco#nt.

Sa!e de%osits lockers.

Sa7n)# Acco+n%#

Tese acco#nts are %ri&arily &eant to inc#lcate a sense o! saving !or te !#t#re-

acc#lating !#nds over a %eriod o! ti&e. ;atever %erson2s occ#%ation- "ank ave

con!ident tat %erson $ill !ind te %er!ect "anking sol#tion. Tere so&e saving

acco#nts like

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Reg#lar Saving Acco#nt

An easytoo%erate savings acco#nt tat allo$s yo# to iss#e ce0#es- dra$ e&and

ra!ts and $itdra$ cas. +eck #% on yo#r "alances !ro& te co&!ort o! yo#r o&e

or o!!ice tro#g Net Banking- @one Banking and 'o"ile Banking. I! yo# need

&oney #rgently ten yo# can take &oney !ro& te AT' &acine. Tere are 711

AT' centers across te co#ntry.

Sa7n) "/+# Acco+n%

Introd#cing te "est "anking o%tion !or yo# $it HF+ Bank Savings %l#s Acco#nt.

No$ yo# can get access to so&e o! te !inest "anking !acilities $it HF+ BankEs

Savings %l#s Acco#nt. All yo# ave to do is &aintain an Average #arterly Balance o!

Rs. *-***>.

Sa7n) Ma Acco+n%

;elco&e to a $orld o! convenience. @resenting Savings 'a4 acco#nt- loaded $it

&a4i& "ene!its to &ake yo#r "anking e4%erience a %leas#re. By &aintaining an

average 0#arterly "alance o! yo# get a ost o! %re&i#& services

!ro& HF+ Bank a"sol#tely !ree.

Sno* C%n Acco+n%

HF+ Bank a%%reciates yo#r needs and endeavors- $ic is $y- tey %resent an

acco#nt es%ecially dedicated to c#sto&er- $ic like a d#ti!#l cild $ill el% yo#

!#l!ill yo#r needs in te "est &anner %ossi"le.

No !rills Acco#nt

In an e!!ort to &ake "anking si&%ler and &ore accessi"le !or c#sto&ers- "ank as

introd#ced te ENo FrillsE Savings Acco#nt- $ic o!!ers c#sto&er all te "asic

"anking !acilities. +#sto&er can even avail o! services like Net Banking- 'o"ile

"anking !ree o! cost. In tis c#sto&er can %#t ero Initial @ayin and a ero Balance

acco#nt

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In#%%+%ona/ #a7n) acco+n%#

A s%ecially designed acco#nt tat o!!ers t$in "ene!its o! a savings as $ell as a c#rrent

acco#nt. +#sto&er2s !#nds contin#e to earn yo# interest $ile e en


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C+**n% acco+n%#

HF+ Bank +#rrent Acco#nt gives te %o$er o! intercity "anking $it a single

acco#nt and access to &ore tan cities. Fro& s%ecial ce0#es tat get treated at %ar

$it local ones in any city $ere "ranc- !aster collection o! o#tstation ce0#es

9%aya"le at "ranc locations:- !ree acco#nt to acco#nt !#nds trans!er "et$een HF+

Bank acco#nts to Free intercity clearing o! #% to ** laks %er &ont- "ank2s

%riority services ave "eco&e te "enc&ark !or "anking e!!iciency.

No$- $it an HF+ Bank +#rrent Acco#nt- e4%erience te !reedo& o! lticity

"anking. @erson can ave te %o$er o! ltilocati

on access to is acco#nt !ro& any o! o#r 1/ "rances in =(1 cities. Not only tat- e

can do &ost o! is "anking transactions !ro& te co&!ort o! is o!!ice or o&e

$ito#t ste%%ing o#t.

Tere are vario#s kinds o! c#rrent acco#nt in tis "ank like

@l#s c#rrent acco#nt

HF+ Bank %l#s +#rrent Acco#nt gives te %o$er o! intercity "anking $it a single

acco#nt and access to &ore tan cities. @l#s +#rrent Acco#nt re0#ires &aintaining an

average 0#arterly "alance o! Rs. **-***.

T*a c+**n% acco+n%

In todayEs canging "#siness re0#ire&ents- yo# need to trans!er !#nds across cities-

and ti&e is o! te essence. HF+ Bank Trade +#rrent Acco#nt gives %o$er o! inter

city "anking $it a single acco#nt.

Fro& s%ecial ce0#es tat get treated at %ar $it local ones in any city $ere "ank

ave a "ranc- to !ree acco#nt to acco#nt !#nds trans!er "et$een HF+ Bank

acco#nts- to !ree intercity clearing o! #% to )* laks %er &ont- "ank2s %riority

services ave "eco&e te "enc&ark !or "anking e!!iciency. Trade +#rrent Acco#nt

re0#ires &aintaining an average 0#arterly "alance o! Rs. 8*-***.

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P*&+& c+**n% acco+n%

B#siness needs a %artner $o can &anage !inances $ile concentrate on gro$ing

"#siness. For& tis acco#nt c#sto&er can avail "ene!its o! intercity "anking acco#nt

tat re0#ires an average 0#arterly "alance o! only Rs. ()-***- o!!ers @aya"leAt@ar

ce0#e "ook !acility J FR,, intercity clearing transactions across o#r net$ork #% to

Rs.() ?acs %er &ont.

A +#rrent Acco#nt $it te "ene!its o! accessing acco#nt !ro& a large net$ork o!

"rances- and tro#g direct access cannels te %one- &o"ile- Internet and

tro#g te AT'.

R)+/a* c+**n% acco+n%

A +#rrent acco#nt is ideal !or carrying o#t daytoday "#siness transactions. ;it te

HF+ Bank Reg#lar +#rrent Acco#nt- c#sto&er can access acco#nt anyti&e-

any$ere- %ay #sing %aya"le at %ar ce0#es or de%osit ce0#e at any HF+ "ank

"ranc. It also !acilitates FR,, N,FT transactions J FR,, RTGS collections !or

!aster collections in acco#nt. Reg#lar +#rrent Acco#nt re0#ires to &aintain an average

0#arterly "alance o! only Rs. *-***.

;it a vast net$ork o! "rances in cities all over te co#ntry- and access to a

ltit#de o! AT'Es- c#sto&er can kee% track o! all transactions anyti&e.

R&b+*#&n% C+**n% Acco+n%

No &ore %a%er$ork- no &ore recei%ts to kee% track o! a assle!ree acco#nt tat

allo$s de%osit te rei&"#rse&ents receive !ro& co&%any>organization on a &ontly

"asis.

To o%en tis acco#nt a %erson as to !ollo$ tese %rocesses

@roc#re an Acco#nt O%ening oc#&ent 9AO: !ro& HF+ Bank. 9I! %erson as


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'ention Salary Acco#nt n#&"er and e"it +ard n#&"er on te AO so tat e"it

card can "e linked to "ot- Salary Acco#nt as $ell as ne$ Rei&"#rse&ent Acco#nt.

Re0#est co&%any to directly credit cas %ay&ents to te Rei&"#rse&ent Acco#nt.

R0C Do&#%c Acco+n%

F#ll na&e o! tis acco#nt is Resident !oreign c#rrency acco#nt.

Have yo# acc#lated !oreign c#rrency !ro& travelling a"road !re0#entlyP Received

gi!ts !ro& relatives in !oreign c#rrencyP Or earned it "y any oter &eans as a%%roved

"y te Reserve Bank o! IndiaPI! so- o%en Resident Foreign +#rrency o&estic

Acco#nt and &anage !oreign c#rrency e!!iciently. @erson can coose to set #% yo#r

acco#nt eiter in CS ollar- Great Britain @o#nd or ,#ro.

To o"n %$# acco+n%# a "*#on a# %o 3o//o8 %$# "*oc##: -

+oose te c#rrency in $ic %erson $is to o%erate. O%en acco#nt $it an initial

a&o#nt as %er te !ollo$ingCS ollar Q ()* Great Britain @o#nd Q (** ,#ro Q ()*

and &aintain an Average #arterly Balance o! te sa&e a&o#nt.

0/ c+**n% acco+n%

Tired o! static transaction li&its d#ring %eak seasonsP HF+ Bank Fle4i +#rrent

Acco#nt is te ans$er to canging "anking needs d#ring %eak seasons.

;it HF+ Bank Fle4i +#rrent Acco#nt +as e%osit and Any$ere Transaction

li&its are a lti%le o! te "alance yo# &aintain in +#rrent Acco#nt. So- d#ring %eak

seasons- c#sto&er get te "ene!it o! iger transaction li&its d#e to te iger average

"alances &aintained in acco#nt. ;at2s &ore- d#ring lean seasons- %erson need not

$orry a"o#t &aintaining #ge "alances to en


24/105

is $ay. Cnli&ited- !ree- any$ere Banking e4%erience at te A@,D is reserved !or

%erson $o er &oney into eiter in sec#rity &arket or gold or t#al !#nd

or into a !i4 de%osits. @eo%le al$ays go to tat $ay $ere e>se can get &ore

"ene!its and &ini& risks. So- !or tis %#r%ose e as a "etter cance to de%osits

&oney in to te !i4 de%osit.

I! %eo%le "elieve in longter& invest&ents and $is to earn iger interests on is>er

savings- no$ is te ti&e to invest &oney in HF+ "ank Fi4ed e%osit. Get #% to

7.1)M on HF+ Bank Fi4ed e%osit $it an additional *.)*M !or Senior +itizens.

;atEs &ore NO @,NA?TY i! $itdra$ %art o! te F in ti&es o! need. Fle4i"ility-

Sec#rity and Hig Ret#rns all "#ndled into one o!!ering.

Reg#lar !i4 de%osit

As %er te r#les and reg#lation o! te "ank a %erson can de%osit teir &oney in to a !i4

de%osit in te "ank and can get te "ene!its o! tese !acilities.

.

24


25/105

07 'a* %a #a7n) 3 "o#%

In (**/- it $as anno#nced !or te !irst ti&e tat Bank !i4ed de%osits "ooked "y an

Individ#al>HCF !or ) years J #% to Rs. -**-***> $ill "e allo$ed e4e&%tion #nder

Sec 3*+ o! te Inco&e Ta4 Act-7/ s#"


26/105

HF+ Bank e&at services o!!ers a sec#re and convenient $ay to kee% track o!

sec#rities and invest&ents- over a %eriod o! ti&e- $ito#t te assle o! andling

%ysical doc#&ents tat get tilated or lost in transit.

HF+ BANK is e%ository %artici%ant "ot $it National Sec#rities e%ositories

?i&ited 9NS?: and +entral e%ository Services ?i&ited 9+S?:.

Sa3 "o#% /oc(*

A Sa!e e%osit ?ocker $it HF+ Bank is te sol#tion to %erson2s !ear. ?ocated at

select "rances in cities all over te co#ntry- "ank2s lockers ens#re te sa!e kee%ing o!

val#a"les.

E/)b/%'

An individ#al 9not &inor:- !ir&s- li&ited co&%any- associations- cl#"s- tr#sts-

societies- etc &ay ire a locker.

Advantages o! sa!e de%osit locker in HF+ "ank

@ A7a/ab/%'.

?ockers availa"le in vario#s sizes. i.e. S&all- 'edi#&- ?arge and ,4tra ?arge $it

varying rents.

?ockers are rented o#t !or a &ini& %eriod o! one year. Rent is %aya"le in advance.

No de%osits are re0#ired to avail a locker. #st o%en an acco#nt and get te locker

!acility.

Tere is a no&inal ann#al carge- $ic de%ends on te size o! te locker and te

centre in $ic te "ranc is located.

No&ination !or Sa!e e%osit ?ocker

Te ?ockers and teir contents can "e no&inated to %eo%le near and dear to yo#.

No&ination !acility is availa"le to individ#al irer o! Sa!e e%osit ?ocker.

26


27/105

In te case o! a sole irer o! a sa!e de%osit locker- no&ination can "e &ade in !avor o!

only one individ#al.

;ere te sa!e de%osit locker is ired in te na&e o! a &inor- te no&ination sall "e

&ade "y a %erson la$!#lly entitled to act on "eal! o! te &inor.

Ter&s J +onditions

For o"taining a ?ocker at HF+ Bank yo# st "e an acco#nt older $it Bank.

?ockers can "e allotted individ#ally as $ell as da#gter2s ad&ission to college or any $edding- so %ersonal loan can "e el%!#l

in tis entire re0#ire&ent.

27


28/105

As %erson ordered in te otel !or tea or co!!ee and it is i&&ediately ca&e !ast- sa&e

over ere any %erson $ant to get a %ersonal loan $it te no&inal doc#&ents e can

get te loan.

Ho& /oan

HF+ Bank "rings- HF+ o&e loans to doorste%. ;it over =* years o!

e4%erience- a dedicated tea& o! e4%erts and a co&%lete %ackage to &eet all o#sing

!inance needs- HF+ Ho&e ?oans- el% %eo%le realize drea&.

$c/# /oan

No$adays te li!e is "eing so !ast- ti&e val#e is "eco&ing &ore i&%ortant so to

reac at te destination o! any "#siness related occasion or !or a "oy to reac college

or any $ere at te !i4 ti&e tere are so &any re0#ire&ent o! veicles. B#t every

%eo%le ave no ca%acity to %#rcase veicles $it cas so !or tat ere in te HF+

"ank veicles loan is availa"le. Tere are &any ty%es o! veicles loan.

Ty%es o! veicles loan

T$o $eeler loans.

Ne$ car loan.

Csed car loan.

Tractor loan 9!or agree c#lt#re "#siness:.

+o&&ercial veicle loan.

So- as %er te re0#ire&ent o! te %erson tere are tese ty%es o! loans are availa"le

tis are at te ci% rate and assel !ree !ro& &ore doc#&entation and oter %roced#re.

And co&&ercial "#siness&an can get te "ene!its o! te co&&ercial veicles loans.

T#s as %er te need o! di!!erent %eo%le tere are veicle loans availa"le. And also

ter&s and condition are di!!erent as %er te re0#ire&ent.

28


29/105

E"*## /oan "/+#

Bank o!!er ,4%ress ?oans @l#s at %erson oorste% to el% !#l!ill all is>er needs. Te

%roced#re is si&%le- doc#&entation is &ini&al and a%%roval is 0#ick. It is el%!#l to

%erson in re%airing o! o#se- Scool ad&ission or also in te !a&ily oliday.

Go/ /oan

;it HF+ BankEs Gold ?oan- %erson can get an instant loan against gold


30/105

"y ?I+ J Select @rivate Ins#rance +o&%anies- NS+- K5@- CTI Bonds 9ARS J CS/8

Bonds: and Gold e%osit +erti!icates- $ile still retaining o$nersi%. And te "est

%art is tat e can contin#e to en


31/105

$anted !#l!ill is $ants e can get "ene!its !ro& te HF+ "ank2s credit cards

!acilities. di!!erent ty%es o! credit

+lassic cards

Silver +redit +ard.

5al#e %l#s +redit +ard.

Healt @l#s +redit +ard.

@re&i#& +ards

Gold +redit +ard

Titani#& +redit +ard

;o&anEs Gold +ard

@latin#& @l#s +redit +ard

31


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#a S)na%+* C*% Ca*

;orld 'aster+ard

+o&&ercial +ards

+or%orate +redit +ard

Db% ca*

HF+ Bank e"it +ards give %erson co&%lete and instant access to te &oney in is

acco#nts $ito#t te risk or assle o! carrying cas.

Ty%es o! de"it card

+lassic card

,asy so% international e"it card.

@re&i#& card

,asy so% gold e"it card.

S%ecialized card

,asy So% International B#siness e"it +ard.

,asy So% ;o&anEs Advantage e"it +ard.

,asy So% NRO e"it +ard.

Kisan +ard.

32

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33/105

P*"a ca*

Besides o!!ering convenience- @re%aid +ards ave "een tailored to ans$er travel and

gi!ting needs.

Fore4@l#s +ards

@re%aid Travel +ard.

Gi!t @l#s +ards

@re%aid Gi!t +ard.

Food @l#s +ards

@re%aid Food @l#s card.

'oney @l#s +ard

Te +or%orate @ay&ent card

INESMENT AND INSURANCE SERICE

No$adays a $ard invest&ent is "eco&ing &ore %o%#lar. @erson invest teir &oney in

to vario#s sce&es or in to te gold or sare &arket etc. "#t so&e ti&e e is in to te

di!!ic#lt sit#ation- !or tat "ank el% %erson invest $isely tro#g !inancial and

invest&ent services.

Ty%es o! invest&ent

'#t#al F#nds

Invest tro#g te '#t#al F#nd ro#te to &eet varied invest&ent o"


34/105

HF+ cildrenEs @?AN. HF+ Cnit ?inked Yo#ng Star @l#s II.

HF+ 'oney Back @lan. HF+ Cnit ?inked Yo#ng Star S#vida.

HF+ Savings Ass#rance @lan. HF+ Cnit ?inked Yo#ng Star S#vida @l#

HF+ Ass#rance @lan. HF+ Cnit ?inked @ension.

HF+ Ter& Ass#rance @lan. HF+ Cnit ?inked @ension @l#s.

HF+ ?oan +over Ter& Ass#rance @lan. HF+ Cnit ?inked ,ndo$&ent @l#s II.

HF+ ,ndo$&ent Ass#rance @lan. HF+ Cnit ?inked ,ndo$&ent S#vida.

HF+ Single @re&i#& ;ole o! ?i!e Ins#rance HF+ Cnit ?inked ,ndo$&ent S#vida

HF+ Cnit ?inked ,nanced ?i!e @rotection

GENERA AND HEATH INSURANCE

+o&%lete %rotection !or "#siness- ealt- travel J &ore.

Bon#

A sec#re invest&ent aven#e giving sta"le ret#rns $it ta4 "ene!its.

Financial @lanning

Start No$ @lan invest&ents to &eet !inancial goals

Kno$ledge +entre

@ro!it !ro& researc and &ake in!or&ed invest&ent decisions.

,0#ities J erivatives

?everage "ank2s vast in!or&ation re%ository and transact online.

'#dra Gold Bar

B#y (8 Karat gold "ars &ade in S$itzerland and certi!ied "y Assay.

34

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35/105

0ORE AND TRADE ERICE

No$adays "#sinesses "eco&ing $orld$ide e.g. India to A&erica "#t &ain %ro"le&s

are a"o#t &onitory transaction "eca#se at every co#ntry te c#rrency "eco&e canged

so !or tat "anks are %laying a very i&%ortant !or te "#sinesses.

I! %eo%le need to deal in !oreign c#rrency and kee% ta"s on e4cange rates every no$

and ten- trans!er &onies to India- &ake %ay&ents etc.- HF+ Bank as a range o!

%rod#cts and services tat %eo%le can coose !ro& to transact s&ootly- e!!iciently

and in a ti&ely &anner.

Bank o!!ering !ollo$ing Foreign ,4cange @rod#cts and Services.

Foreign ,4cange and Trade Services

Te !ollo$ing are di!!erent &etods o! transacting in Foreign ,4cange and re&itting

&oney.

Travelers +e0#es.

Foreign +#rrency +as.

Foreign +#rrency ra!ts.

+e0#e e%osits.

Re&ittances.

+as to 'aster .

Trade Services.

Fore4 Services Branc ?ocator .

I&%ortant g#idelines and sced#les All Foreign ,4cange transactions are cond#cted

"y strictly adering to RBI g#idelines. e%ending on te nat#re o! transaction or %oint

o! travel- %eo%le $ill need to #nderstand is Foreign ,4cange li&its.

RBI G#idelines.

Fore4 ?i&its.

35

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Non HF+ Bank Acco#nt Holders.

FAs

PAYMENT SERICE

No$adays li!e o! a %erson "eco&e very stress!#l and e>se "eco&ing "#sy $it

teir o$n "#siness- "#t tey ave to %ay&ent !or so&eting so !or tat reason "ank2s

%ay&ent services "eco&e started.;it HF+ BankEs %ay&ent services- %erson can

"id good"ye to 0#e#es and %a%er $ork. Bank2s range o! %ay&ent o%tions &ake it easy

!or %ay !or a variety o! #tilities and services.

*3 B' #a

o yo# $ant to "e $orry !ree !or yo#r online %#rcases. No$ yo# can so% sec#rely

online $it yo#r e4isting 5isa e"it>+redit card.

N% Sa3

No$ so% online $ito#t revealing yo#r HF+ Bank +redit +ard n#&"er. ;at

&ore- yo# can no$ #se yo#r HF+ Bank e"it +ard also !or online %#rcases.

M*c$an% S*7c#

Acce%t all 5isa- 'aster+ard- credit and e"it cards at yo#r o#tlets tro#g state o! te

art @OS 'acines or tro#g yo#r $e"site and e4%erience assle !ree %ay&ent

acce%tance.

P*"a Mob/ R3//

I! yo# are an HF+ Bank Acco#nt older- yo# can no$ recarge yo#r @re%aid 'o"ile

@one $it tis service.

B// Pa'

36

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37/105

@ay yo#r tele%one- electricity and &o"ile %one "ills at yo#r convenience. Tro#g

te Internet- AT's- yo#r &o"ile %one and tele%one $it Bill @ay- o#r

co&%reensive "ill %ay&ents sol#tion.

#a B// Pa'

@ay yo#r #tility "ills !ro& te co&!ort o! yo#r o&e @ay #sing yo#r HF+ Bank

5isa credit card and !orget long 0#e#e and late %ay&ents !orever

Pa' No8

Cse yo#r HF+ Bank +redit +ard to %ay yo#r #tility "ills online- &ake s#"scri%tions

and donations no registration re0#ired. ,n


38/105

e'onies National ,lectronic F#nds Trans!er

Trans!er !#nds !ro& yo#r acco#nt to oter Bank acco#nts across India FR,, o!

cost.

Online @ay&ent o! ,4cise J Service Ta4

'ake yo#r ,4cise and Service Ta4 %ay&ents at yo#r o$n convenience tro#g HF+

BankEs Net Banking !acility.

Religio#s O!!erings

No$ donate to yo#r !avorite te&%le easily and sec#rely #sing HF+ BANKEs Net

Banking.

IMPERIAPRE0ERREDCASSIC BANKING

As a s%ecial c#sto&er "ank %roviding a TA to c#sto&er $it na&e i&%eria>%re!erred

c#sto&er. For tat "ank %rovide a s%ecial service to teir c#sto&er. HF+ BankEs

%re!erred>i&%eria @rogra&&e is te royal decree tat enances te e4cl#sivity tatyo# are acc#sto&ed to. It &akes yo# !eel s%ecial at every ste%- %a&%ering $it

services tose oters can only drea& a"o#t. Tis service goes "eyond te o"vio#s-

rises a"ove te e4%ected- so tat te $ole $orld can see- tat even today- te

grande#r and &agni!icence o! royalty is alive and $ell.

T#s as retail "anking service "ank %roviding really good and "ene!icial services to

teir c#sto&er and as !a&ily &e&"er tey are %roviding good services to every

c#sto&er eiter tey are ca&e "#siness related or anyting. So !or tis reason HF+

"ank %laying a good role in te c#sto&er2s li!e !or teir &onitory transaction.

NRI BANKING

38


39/105

;it a vie$ to attract te savings and oter re&ittance into India tro#g "anking

cannels !ro& te %erson o! Indian Nationality > Origin $o are residing a"road and

"olster te "alance o! %ay&ent %osition- te Govern&ent o! India introd#ced in 71*

NonResident9,4ternal: Acco#nt R#les $ic are governed "y te ,4cange +ontrol

Reg#lations.

Te !#nds eld in NonResident 9,4ternal: Acco#nts 9NR, Acco#nts: 0#ali!y !or

certain "ene!its like e4e&%tions !ro& ta4es in India- !ree re%atriations !acilities- etc.

e%osit ty%es

NRIBanking !acilitates te NRI c#sto&er to o%en te !ollo$ing acco#nt ty%es.

NR, 9Non Resident ,4ternal Acco#nts:

It can "e in te !or& o! Savings- +#rrent or !i4ed de%osits in Indian r#%ees. Te !#nds

in tis acco#nt are !#lly re%atria"le.

NRO 9Non Resident Ordinary Acco#nts:

It can "e in te !or& o! Savings- +#rrent or Fi4ed e%osits in Indian R#%ees. Te

!#nds in tis acco#nt are not re%atria"le 9only interest accr#ed is re%atria"le:.

F+NR 9Foreign +#rrency Non Resident Acco#nts:

It can "e in te !or& o! !i4ed e%osits only- in te !ive &a


40/105

transactions. ;olesale "anking co&%ares $it retail "anking- $ic is te %rovision

o! "anking services to individ#als.

@$o/#a/ ban(n) #*7c#

Co*"o*a% #*7c

+or%orate Banking re!lects HF+ BankEs strengts in %roviding o#r cor%orate clients

in India- a $ide array o! co&&ercial- transactional and electronic "anking %rod#cts.

;e acieve tis tro#g innovative %rod#ct develo%&ent and a $ellintegrated

a%%roac to relationsi% &anage&ent.

?arge +or%orate

S#%%ly +ain @artners

Agric#lt#ral ?ending

S&all J &edi#& ter& enter%rises

HF+ Bank #nderstands o$ c o! ard $ork goes into esta"lising a s#ccess!#l

S',. Bank also #nderstands tat "#siness is anyting "#t Ls&allL and as de&anding

as ever. And as "#siness e4%ands and enters ne$ territories and &arkets- %erson need

to kee% %ace $it te gro$ing re0#ests tat co&e in- $ic &ay lead to %#rcasing

ne$- or #%dating e4isting %lant and e0#i%&ent- or e&%loying ne$ sta!! to co%e $it

te de&and. TatEs $y HF+ Bank as asse&"led %rod#cts- services- reso#rces and

e4%ert advice to el% ens#re tat yo#r "#siness e4cels.

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T$ 3o//o8n) /n(# 8// $/" n%3' n7+a/ n#.

F#nded Services.

NonF#nded Services.

S%ecialized Services.

5al#e Added Services.

Internet Banking.

0nanca/ n#%%+%on# ? %*+#%#

Banks.

Financial Instit#tions.

'#t#al F#nds.

Stock Brokers.

Ins#rance +o&%anies.

+o&&odity B#sinesses.

Tr#sts.

Go7*n&n% #c%o*

HF+ Bank acts as an active &edi#& "et$een te govern&ent and te c#sto&ers

"y &eans o! vario#s services. Tese services incl#de

Ta4 +ollection $erein c#sto&ers can directly %ay teir ta4es like irect ta4es-

Indirect ta4es and Sales Ta4 collections at teir local HF+ Bank.

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,Ticketing Hel%s te c#sto&er "y %roviding i& a direct access to "ook a Rail$ay

Ticket online and get it o&e delivered.

O%ening o! ?>+Es is done "y te "ank on "eal! o! Govern&ent o! India- 'ints and

@resses- t#s !acilitating i&%orts !or te Govern&ent.

+ollection o! levies and ta4es on "eal! o! '#nici%al +or%orations i.e. Kalyan

o&"ivli '#nici%al +or%oration- is #ndertaken "y te Bank.

+ollection o! sta&% d#ty is done via !ranking &ode in te stateEs o! 'aarastra J

G#


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i&%ortance o! HC'AN R,SOCR+, and its co&%le4ity d#e to ever canging

%sycology- "eavior and attit#des o! &en and $o&en at $ork- in all "#siness

concerns- tere is one co&&on ele&ent. I.e. H#&an %ersonnel !#nction- i.e.-

&an%o$er &anage&ent !#nction is "eco&ing increasingly s%ecialized. Te %ersonnel

!#nction or syste& can "e "roadly de!ined as te &anage&ent o! %eo%le at $ork

&anage&ent o! &anagers and &anage&ent o! $orkers. @ersonnel !#nction is

%artic#larly interested in %ersonnel relationsi% and interaction o! e&%loyees#&an

relations.

In a sense- &anage&ent is %ersonnel ad&inistration. 'anage&ent is te develo%&ent

o! %eo%le- and not &ere direction o! &aterial reso#rces. H#&an ca%ital is te greatest

asset o! a "#siness enter%rise. Te essential ingredient o! &anage&ent is te

leadersi% and direction o! %eo%le. ,ac &anager o! %eo%le as to "e is o$n

%ersonnel &an. @ersonnel &anage&ent is not so&eting yo# really t#rn over to

%ersonnel de%art&ent sta!!.

R#"on#b/%# o3 H+&an R#o+*c D"a*%&n%.

Ø HR &aintain daily attendance record tro#g "ranc &anager via ,&ail.

Ø Take decisions !or a%%roval regarding leave notes.

Ø He takes te decision related to te recr#it&ent- selection and training o! te

candidates. He talks to te cons#ltant related to te recr#it&ent o! te 0#ali!ied

candidates. He also does screening o! te candidates- sortlist te candidate and

takes te !irst ro#nd o! te intervie$.

Ø He &aintains te data"ase o! te candidates to co&e !or an intervie$. He also

&aintains %ersonal !ile o! eac e&%loyee. He also co&%letes te


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H+&an R#o+*c "/annn)

Tis is andled "y doing te %lanning at te "eginning o! every year. At te end o! te

year- te H#&an Reso#rce de%art&ent !ro& eac Branc receives te re0#ire&ent !or

te %erson !or $ole year. Ten te %lanning o! recr#it&ent and training is done "y

training &anager and recr#iting &anager $ic is a%%roved !ro& Head o! HR

e%art&ent.

. Rc*+%&n%

Recr#it&ent is a %rocess o! searcing !or %ros%ective candidates !or te given


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S/c%on

Ø Selection is te %rocess o! taking individ#als o#t o! te %ool o!


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Ø Te ti&e !or training %rogra& !or te candidate is de%ends #% on te relevant

%osition o! is $ork area. Tey also %rovide training related to c#sto&er care and

co&nication.

P*3o*&anc A""*a#a/

Ø An organization2s goals can "e acieve only $en %eo%le %#t in teir "est e!!orts.

@er!or&ance a%%raisal &ay "e #nderstood as te assess&ent o! an individ#al2s

%er!or&ance in a syste&atic $ay. It is de!ine as te syste&atic eval#ation o! te

individ#al $it res%ect to is>er %er!or&ance on te


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@a)# an Sa/a*'

Ø A %art !ro& vario#s incentives and "ene!its- te %ersonnel are co&%ensated only

in ter&s o! $ages and salaries. A %ro%er co&%ensation in ter&s o! tis is

necessary !or &otivation e&%loyees !or teir contin#o#s

Ø i&%roved %er!or&ance. For all tis- it is re0#ired tat $ages and salaries are

%rovided $ell "y organization.

Ø ;ages and salary re!ers to te esta"lis&ent and i&%le&entation o! so#nd %olicies

and %ractices o! e&%loyee2s co&%ensation. A $age and salary is te reneration

%aid !or te service o! la"or in %rod#ction %eriodically to an e&%loyee. Te "ank

is in service ind#stry so te salary is given on &ontly "asis. Tey #se to ire

certain sales&an on co&&ission "ase and tey are %rovided teir salaries on

co&&ission "ase. ;ile oter %er&anent sta!! are "eing given &ontly salaries.

As HF+ "ank is re%#ted "ank in &arket te %ay scale are as %er te standard.

Ø Sales e4ec#tives 9coa4: are "eing given salary o! /*** to 3*** %er &ont. ;ile

sales o!!icer2s salary ranges !ro& )*** to 3*** %er &ont. HF+ "ank is also

giving attractive incentives as %er te target. Te salary o! "ranc &anager is

aro#nd =)*** %er &ont.

Incn%7

In HF+- e&%loyees get incentives on te "asis o! te target given to eac

e&%loyee and teir area o! $ork. Tey ave develo%ed te incentive str#ct#re !or

te e&%loyees on te "asis o! %oint syste&. All te e&%loyees get te incentive in

te !or& cas re$ard.

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. E&"/o'# bn3%

Te e&%loyees o! HF+ a#to&atically "eco&e HF+ "ank salary acco#nt

Holders $it s%ecial "ene!it and %rivileges and receive instant salary credit. Te

"ene!it incl#de international de"it card- cor%orate card $it individ#al lia"ility

9++I?:- access to %one "anking and internet "anking- de&at acco#nts- and ost

o! oter services to co&%le&ent teir savings acco#nt. Here are so&e o! te

!eat#res o! HF+ Bank2s salary acco#nt.

Mo%7a%on

'otivation is $illingness to do so&eting conditioned "y tis action2s a"ility to

satis!y so&e need. 'otivation is given "y te res%onsi"le %erson- like "ranc &anager

or tea& &anager !or "etter %er!or&ance in te de%art&ent.

D#"+%# an %$* *#o/+%on

is%#tes are co&&on in organization. In %ractice- dis%#tes &ainly relate to te target

only "eca#se i! any e&%loyee is not acieving target e>se $ill not eligi"le !or incentive $ic creates !r#stration a&ong te&.

,very e&%loyee is !ree to talk to te ead o! te %artic#lar de%art&ent i! tey ave

any %ro"le& related to te


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L;e are going to de&onstrate te advantages o! net "anking and &o"ile "anking- as

tese conce%ts are relatively ne$ to %eo%le living in s&aller to$ns and cities-L said

Kelkar. Te "ank as also la#nced anoter initiative called B#siness Ki Baten- $ic

is targeted at areas $ere te "#lk o! te %o%#lation co&%rises s&all "#siness&en.

Kelkar said tat te "ank $o#ld get e4%erts to talk on a n#&"er o! iss#es s#c as

val#eadd ta4 and sales ta4. Bank can &eas#re te res#lt o! a ca&%aign tro#g te

sales tat tey generate and te c#sto&ers tat are added. Tere is a clear ret#rn on

invest&ent- $ic !ro& a !#nctional %oint o! vie$ gives te tea& a stronger voice.

Bank as also "een a"le to red#ce teir ad s%ends "y a"o#t *) %er cent and as

also red#ced te cost o! ac0#isition BankEs !oc#s in !#t#re $o#ld "e to enance its

data"ase &arketing initiatives. Bank %lan to invest close to Rs ( crore to create te

environ&ent tat is re0#ired to s#%%ort c#sto&er intelligence tat leads to data "ased

&arketing.

HF+ as cartered an e4tensive +#sto&er ?i!ecycle "ased &arketing ca&%aign

calendar !or tis and te !ortco&ing !iscal. Fractal- $ic s%ecialises in %redicting

te "eavior o! te c#sto&ers in te areas o! risk and &arketing- $o#ld "e %artnering

HF+ BankEs &arketing tea& in vario#s initiatives o! gro$ing te retail "#siness

0#ickly and cost e!!ectively.

HF+ as "een #sing analytics !or taking in!or&ed &arketing decisions. Fractal $ill

el% te "ank #se in!or&ation to reac ne$ c#sto&ers and to "#ild- n#rt#re and

&a4i&ize lasting c#sto&er relationsi%s. Fractal $ill also el% te "ank solve te

%ro"le& o! everincreasing c#sto&er ac0#isition costs and red#cing c#sto&er loyalty.

Te &arketing %rogra&&es $o#ld involve ac0#isition o! c#sto&ers %ro!ita"ly "y

red#cing ca&%aign costs- cross selling vario#s asset and lia"ility %rod#cts to te

e4isting c#sto&ers- tere"y- leveraging te e4isting relationsi%s and %roactively

retaining e4isting c#sto&ers. FractalEs analytics"ased &arketing sol#tions s%an $ic

te entire li!ecycle o! c#sto&er relationsi% rigt !ro& c#sto&er ac0#isition to

c#sto&er retention to c#sto&er val#e &anage&ent- is e4%ected to give HF+ an

#%%er and in #nderstanding te needs and circ#&stances o! teir c#sto&ers.

Ma*(%n) In%a%7# Ta(n) B' T$ Ban(

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HF+ Bank is %ossi"ly te only "ank in India- and one o! te very !e$ in Asia- to

ave e&"arked on a dataled &arketing analytics ca&%aigns initiative- #sing

&arketing a#to&ation tecnology %rovided "y Cnica. Cnica as "een recognised "y

Gartner as te leading %layer in tis !ield. Tro#g tis tool- $e ave "een a"le to

intelligently #se te 8) tera"ytes o! c#sto&er data availa"le in its $areo#se. ;e

ave set #% a tea& to cond#ct &arketing ca&%aigns in a scienti!ic &anner #sing

c#sto&er data- #sage %atterns- %re!erences- li!ecycle- etc- te "ank also cond#cts

event"ased &arketing

.

Tese initiatives also co&%le&ent o#r &edia"ased &arketing as $ell as onte

gro#nd &arketing activities- $ic re&ain i&%ortant in te "igger sce&e o! tings.

Ho$ever- te &arketing analytics initiative ena"les #s to &eas#re te e!!icacy o! te

ca&%aigns- testing every ca&%aign every ste% o! te $ay- e4%eri&enting $it

creatives- &essages- &edia- etc. Tere are learnings tat can i&&ediately "e a"sor"ed

and incor%orated in te ne4t ca&%aigns- and tese ca&%aigns in a $ay %rovide #s

$it in!or&ation a"o#t c#sto&er coices and %re!erences tat can "e #sed !or &ass

&edia co&nication- &aking tose &ore e!!ective .

Ma $c/# U# 0o* Sn M##a) To Rac$ Ta*)% A+nc

HF+ Bank as "een %redo&inantly #sing direct &ailers- e&ails- and S'S !or

co&nicating o#r &essage to o#r target a#dience as tey are te &ost coste!!ective

ro#tes o! addressing o#r core target a#diences $it &a4i& degree o! c#sto&ization

%ossi"le .

Ma*(% S)&n%a%on

Ma*(% S)&n%a%on is de!ined as te %rocess o! s%litting c#sto&ers- or %otential

c#sto&ers- in a &arket into di!!erent gro#%s- or seg&ents- $itin $ic te c#sto&ers

sare a si&ilar level o! interest in te sa&e or co&%ara"le sets o! needs satis!ied "y a

distinct &arketing %ro%osition it is also e4%lained as a &arketing tecni0#e tat

targets a gro#% o! c#sto&ers $it s%eci!ic caracteristics- i.e. a %artic#lar gro#% tat

as its o$n distinct c#sto&er %ro!ile and "#yer caracteristics so tat !or &arketing

%#r%oses- it can "e targeted se%arately !ro& oter seg&ents o! te &arket.

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I% # a (' n)*n% 3o* #+cc##3+/ &a*(%n) as it si&%li!ies te targeting-

%ositioning and te %lanning %rocess.

A tr#e 'arket Seg&ent &eets all o! te !ollo$ing criteria it is distinct !ro& oter

seg&ents 9eterogeneity across seg&ents:- it is o&ogeno#s $itin te seg&ents

9e4i"its co&&on attri"#tes:- it res%onds si&ilarly to a &arket stil#s and it can "e

reaced "y a &arket intervention. 'arket Seg&entation si&%li!ies te !ir&2s %rod#ct-

%ricing- %ro&otion and distri"#tion strategies and also !acilitates %lanning and

organizing !#nction o! &anage&ent &ore easily and cost e!!ectively "#t it re0#ires a

toro#g #nderstanding o! te c#sto&ers needs. It is re!erred as a tool !or de!ining

&arkets and tere"y allocating reso#rces it #ses statistical tecni0#es called !actor

analysis and cl#ster analysis to co&"ine attit#dinal and de&ogra%ic data to develo%

seg&ents tat are easier to target.

Ma*(% S)&n%a%on can b on on te "asis o! te location 9Geogra%ic

Seg&entation: on te "asis o! age- inco&e- gender and oter &eas#ra"le !actors

9e&ogra%ic Seg&entation: on te "asis o! li!estyle- likes- dislikes- taste and

%re!erences 9@sycological Seg&entation: and according to te istory- loyalty and

res%onsiveness 9Beavioral Seg&entation:.

A "#siness st analyze te di!!erent needs o! te &arket seg&ents teir internal

strengts and $eaknesses e4ternal o%%ort#nities and treats and vario#s oters

!actors like te &ission- vision- val#es- "elie!s- attit#des- nor&s and standards o! te

organization as $ell as te co&%etitors strategy- social and c#lt#ral !actors- econo&ic

environ&ent- glo"al %ers%ective- de&ogra%ic environ&ent- tecnological and

%olitical > legal as%ects "e!ore deciding teir o$n nice.

P$/" Ko%/* &entioned !ive criteria !or an e!!ective seg&entation $ic states tat

Seg&entation so#ld "e

1. Ma#+*ab/: it so#ld "e %ossi"le to deter&ine te val#es o! te varia"le #sed !or

te seg&entation.

2. R/7an%: it so#ld


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F. Acc##b/: - te target c#sto&ers st "e reaca"le and serva"le !or te

organization.

!. D#%n)+#$ab/: te target a#diences st "e diverse and a"le to so$ di!!erent

reactions to di!!erent &arketing &i4.


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%olitical- econo&ic and social !actors it can also "e c#sto&er > %rod#ct > co&%etition

related seg&entation:.

STEP 2: - S/c% %$ %a*)% a+nc#: - Te !actors tat in!l#ence Targeting are te

Internal and ,4ternal ,nviron&ent. Internal environ&ent incl#des te &ission- vision-

val#es and o"


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Po#%onn) S%*a%)'

6@ositioning is te act o! designing te co&%any2s o!!ering and i&age to occ#%y a

distinctive %lace in te target &arket2s &ind.

@ositioning starts $it a %rod#ct. A %iece o! &ercandise- a service- a co&%any- an

instit#tion- or even a %erson. B#t %ositioning is not $at yo# do to a %rod#ct.

@ositioning is $at yo# do te &ind o! te %ros%ect. Tat is- yo# %osition te %rod#ct

in te &ind o! %ros%ect. A co&%any2s di!!erentiating and %ositioning strategy st

cange as te %rod#ct- &arket- and co&%etitors cange over ti&e. Once te co&%any

as develo%ed a clear %ositioning strategy- it st co&nicate tat %ositioning

e!!ectively.

HF+ "ank ave %ositioning strategy o! Con%n+n) a T*a%on o3 T*+#%”. It is

acc#rate %ositioning strategy "eca#se it signi!ies a tr#st $it its clients. Here is s%ecial

Relationsi% 'anager dedicated to$ards c#sto&er service and satis!action and give

te& g#idance a"o#t vario#s sce&es $ic el%s te& to get rigt sce&e $ic

s#it teir needs. In tis $ay it contin#es to &aintain a tr#st $it its clients.

INTRODUCTION O0 0INANCE DEPARTMENT

In tis &odern era it is very easy to kno$ o$ c i&%ortant te !inance is in te

"#siness. As c#rrent %osition o! te &arket is totally di!!erent !ro& ancient $ere it

$as very easy to get te !inance. B#t no$ a days it is not so- it is very di!!ic#lt task to

raise !#nds !ro& &arket. As today %eo%le are !acing lot o! %ro"le& and ave less

con!idence on te &arket so it is di!!ic#lt to raise !#nd $ito#t %ro%er %lanning.

For te "ank as it is a Financial Instit#tion $e can consider !inance as li!e"lood o! tis

"#siness. Te co&%any so#ld &anage to get s#!!icient !inance. Te co&%any

so#ld #se to kee% %ro%er %lanning !or te !inance o! its o$n and also o! te large no.

o! de%ositors $o are tere $it te "ank. ;e can de!ine !inancial &anage&ent as a

task o! ac0#isition and #tilization o! !#nds needed in te "#siness in a &anner so tat

organizations goal can "e acieved. In HF+ Bank- its cie! Financial O!!icer and

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Treas#rer &anage te !inance. #e to %ro%er %olicies and se%arate &anage&ent te

co&%any can ave %ro%er o%eration o! !inance.

ORGANIATION O0 0INANCIA ACTIITIES O0 BANK

For te "ank !inance itsel! is te %rod#ct no$ it is not an easy task to &anage tis

!inance. As "ank as to kee% $atc on te de%osits o! its &illions o! c#sto&ers and

also it as to &anage its o$n large !inancial "ase. As in recent it is %o%#lar 6No

!inance no "#siness- !or te "ank 6Finance itsel! is "#siness. Tere are di!!erent

ty%es o! organizational str#ct#re s#c as gro#% organization- line organization- line

and sta!! organization. HF+ Bank as line o! a#tority and line o! a#tority is

vertical i.e. a#tority %asses !ro& to% to "otto& and res%onsi"ility %asses !ro& "otto&

to to% level &anage&ent.

As HF+ Bank is very "ig co&%any and it as large cliental "ase so it is very

di!!ic#lt and co&%licated to &anage its !inance in %ro%er $ay. Tere $e need o!

concrete and %ro%er %olicies to ave %ro%er &anage&ent o! it. Beca#se o! "ig size o!

te "ank one cannot &anage all te acco#nts o! it alone. So- co&%any as to a%%oint

&any di!!erent %ersons so tat tere is %ro%er &aintenance o! te !#nds o! di!!erent

%ersons is %ossi"le.

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CHAPTER- 2

%*a%+* R78

CHAPTER- 2

%*a%+* R78

Sc%on-A R78 o3 %*a%+*

Be!ore giving details regarding te researc &etodology #sed in te st#dy- it

is a%%ro%riate to %resent a "rie! overvie$ o! te researc articles- case st#dies- and

"ooks

$ritten on tis %artic#lar to%ic. Te area o! st#dy &ay "e $itin te co#ntry or o#tside

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te co#ntry. Revie$ o! literat#re el%s a researcer to get ac0#ainted $it is>er

selected

researc %ro"le& and also &ay %rovide so&e g#idelines in selecting a %ro%er researc

&etodology. It is also el%!#l in !inding o#t te researc ga%s in te e4isting

literat#re.

Tis $ill el% te researcer in !inet#ning is>er researc %ro"le& and

&etodology.

Anoter advantage o! revie$ing in te e4isting literat#re is tat in cases $ere te

researc %ro"le&s are si&ilar- te concl#sions and !indings &ay "e easily co&%ared.

Tis

$ill el% te researcer in deter&ining $eter is>er !indings are %ossi"le or not.

Te literat#re #nder revie$ &ay "e o! t$o ty%es 9i: concerning te conce%t#al

and teoretical !ra&e$ork. 9ii: te e&%irical literat#re dealing $it te st#dies &ade

in

te %ast $ic are si&ilar to te one tat te researcer intended to #ndertake. Te

"asic

o#tco&es o! s#c revie$ $ill "e te kno$ledge as to $at data are availa"le !or

analytical %#r%oses- $ic $ill el% te researcer to s%eci!y is>er o$n researc

%ro"le& in a &ore &eaning!#l $ay. T#s- revie$ o! literat#re is el%!#l in

!orlating

te researc %ro"le& and also el%s te researcer in deciding a"o#t te &ost

a%%ro%riate

&etodology to "e #sed. ;ile co&%aring te res#lts o! te earlier st#dies $it

is>er

o$n res#lts- care st "e taken to veri!y $eter te o"


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revie$ed kee%ing in &ind- te !ollo$ing as%ects : Te o"


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o#sing sector to contin#e to e4%erience gro$t $ell a"ove G@. Ho$ever- e

"elieves

tat tere are risks tat can &aterially distort te gro$t %ros%ects o! te sector.

S%eci!ically- it a%%ears tat a large %ortion o! te o#sing sector2s gro$t in te

77*2s

ca&e !ro& te easing o! te credit #nder$riting %rocess. S#c easing incl#des

Te drastic red#ction o! &ini& do$n %ay&ent levels !ro& (*M to *M.

A !oc#sed e!!ort to target te 6lo$ inco&e "orro$er.

Te red#ction in %rivate &ortgage ins#rance re0#ire&ents on ig loan to val#e

&ortgages.

Te increasing #se o! so!t$are to strea&line te origination %rocess and &odi!y >

recast delin0#ent loans in order to kee% te& classi!ied as 6c#rrent.

+anges in te a%%raisal %rocess $ic as led to $ides%read overa%%raisal >

overval#ation %ro"le&s.

I! tese trends re&ain in %lace- it is likely tat te o&e %#rcase "oo& o! te

%ast decade $ill contin#e #na"ated. es%ite te increasingly &ore di!!ic#lt econo&ic

environ&ent- it &ay "e %ossi"le !or lenders to !#rter ease credit standards and &ore

!#lly e4%loit less %enetrated &arkets. Recently- targeted %o%#lations tat ave

istorically

"een denied o&eo$nersi% o%%ort#nities ave o!!ered te &ortgage ind#stry novel

#rdles to overco&e. Ind#stry %artici%ants in co&"ination $it eased reg#latory

standards and te s#%%ort o! te GS,s 9Govern&ent S%onsored ,nter%rises: ave

overco&e &any o! te&. I! tere is an econo&ic disr#%tion tat ca#ses a &arked rise

in

#ne&%loy&ent- te negative i&%act on te o#sing &arket co#ld "e 0#ite large. Tese

i&%acts co&e in several !or&s. Tey incl#de a red#ction in te de&and !or

o&eo$nersi%- a decline in real estate %rices and increased !oreclos#re e4%enses.

Tese

i&%acts $o#ld "e e4acer"ated "y te increasing de"t "#rden o! te C.S. cons#&er and

te red#ction o! o&e e0#ity availa"le in te o&e. Alto#g $e ave yet to see any

&aterially negative conse0#ences o! te rela4ation o! credit standards- $e "elieve te

risk

o! credit rela4ation and leverage can2t "e ignored. I&%ortantly- a relatively ne$

&etod

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o! loan !orgiveness can te&%orarily alter te %erce%tion o! credit ealt in te o#sing

sector. In an e!!ort to kee% o&eo$ners in te o&e and red#ce !oreclos#re e4%enses-

olders o! &ortgage assets are c#rrently recasting or &odi!ying tro#"led loans. S#c

%olicy initiatives &ay !or a ti&e distort te relevancy o! delin0#ency and !oreclos#re

statistics. Ho$ever- a %rotracted o#sing slo$do$n co#ld event#ally ca#se

&odi!ications

to "eco&e #necono&ic and- t#s- credit 0#ality statistics $o#ld likely "eco&e

relevant

once again. Te virt#o#s circle o! increasing o&eo$nersi% d#e to greater leverage

as

te %otential to "eco&e a vicio#s cycle o! lo$er o&e %rices d#e to an accelerating

rate

o! !oreclos#res.

A *#a*c$ a*%c/ n%%/ Ho& O8n*#$" R#( B'on a

S+b"*& C*##: T$ Ro/ o3 D/n+nc' Mana)&n%” b' Jaco

M/##a B. 2442;

Se concl#ded tat %#"lic invest&ent in and %ro&otion o! o&eo$nersi% and

te o&e &ortgage &arket o!ten relies on tree


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delin0#ency ave %rod#ced calls !or e&ergency !oreclos#re avoidance interventions

9as

$ell as !rontend reg#latory !i4es:. ;atever teir &erit- se contend tat a syste& o!

&ortgage delin0#ency &anage&ent so#ld "e an end#ring co&%onent o! o#sing

%olicy.

F#rterance o! o#sing and o#seold %olicy o"


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incl#ding te task !orce on o#sing. So&e o! te &a


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%er!or&ance o! te selected instit#tions as "een st#died "y #sing %ercentages-

co&%o#nd

gro$ts rates and vario#s ratios.

Findings o! te st#dy are

HF+ co&es at te to% a&ong all te instit#tions as !ar as loan sanctioned-

dis"#rse&ents and te loan o#tstanding are concerned- @NB as te last rank !or

"ot loans sanctioned and dis"#rsed. Ho$ever- te co&%o#nd gro$t rate !or te

loan sanctioned- dis"#rse&ent and o#tstanding as "een igest in te case o!

?I+HF. It stood at (/.87M- =*.37M- =/./M. Against @NB so$ed te lo$est

co&%o#nd gro$t rates o! 3./(M and 7.7*M- !or te loan sanctioned and

dis"#rse&ent over te sa&e %eriod. Ho$ever- te co&%o#nd gro$t rate o! te

loan o#tstanding in te case o! @NBHF $as iger tan te gro$t rate o! HF+.

Te ratio o! loan dis"#rsed to loan sanctioned so$s tat te ratio o! @NBHF

so$ed te igest variations !ro& )=.=1M to 7/.)( M over te given %eriod-

!ollo$ed "y ?I+HF !or $ic te ratio varied !ro& )/.33M to 7)./)M. On te

oter and- te ratio !or HF+ so$ed te lo$est range o! variation !ro& 3.*1M

to 33.7 in te sa&e %eriod.

N#&"er o! o#sing #nits assisted "y te selected instit#tions and its %ercentage to

te total #nits !inanced d#ring te year so$ed tat HF+ and @NBHF !inanced

&ore tan /8M and less tan =M o! te total #nits !inanced d#ring te entire

%eriod o! te st#dy- res%ectively.

HF+ as %rovided te igest %ro%ortion o! loans to individ#als. Te igest

variation in te co&%osition o! loan o#tstanding as "een in te @NBHF. Te loan

o#tstanding to individ#als in te case o! HF+ ranged !ro& //.37M to 3.77M

$ereas it ranged !ro& 37.)3M to **M !or ?I+HF !or te sa&e %eriod.

HF+ as "een a &a


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over te sa&e %eriod.

@NBHF s%ent in te range o! *./=M to 8.)1M o! te total e4%ense on

esta"lis&ent over te %eriod o! te st#dy $ic $as te igest a&ong all te

instit#tions. ?I+HF s%ent te lo$est %ro%ortion ranging !ro& *.8(M to *.37M on

esta"lis&ent e4%enses d#ring te sa&e %eriod and te ratio so$ed a declining trend

in te case o! HF+ cover te sa&e %eriod. Te interest %aid to loans !#nds so$ed

c variation in te case o! @NBHF. Te ratio !or HF+ increased in te initial

%eriod "#t decreased later on. A&ong all te instit#tions #nder st#dy @NBHF %aid te

igest cost !or raising loan !#nds. Te assets o! ?I+HF constit#ted te igest

%ro%ortion o! o#tstanding o#sing loans !ollo$ed "y @NBHF and HF+. #ring te

%eriod- invest&ents co&%rised less tan ()M o! te total assets !or all te instit#tions.

?I+HF as a co&%aratively lo$ ratio o! invest&ents to te total assets te ratio o!

HF+ as "een te igest over te sa&e %eriod. @NBHF so$ed a considera"ly

increasing trend in te earlier years "#t it declined in te later years. Te net %ro!it

&argin o! @NB $as iger tan tat o! ?I+HF in te initial years- "#t te ratio o!

?I+HF so$s i&%rove&ent over @NBHF in te later %eriod. In te case o! HF+ te

net %ro!it &argin $as in te range o! .=(M to (=.(*M over te %eriod o! st#dy.

Ret#rn on net $ort Te ratio ad considera"le variation in te case o! @NBHF

!ro& 87.(=M to 8*.(/M. Te ratio also so$ed a co&%aratively little variation and

$as at a reasona"le level !or "ot HF+ and ?I+HF d#ring te %eriod o! te st#dy

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A Pa"* n%%/ R%a/ Ban(n) E&*)n) I##+ n Ho& oan”

b' Rao K. N.%.a/. 244c- !orged title deeds- "y selling sa&e !lat to di!!erent %eo%le- in!lated salary

certi!icate- !iling o! IT ret#rn !or te last tree years in one lot and %artic#larly "y

%aying a no&inal a&o#nt o! ta4- val#ation o! te %ro%erty is &ani%#lated to &anage

&argin &oney are %ost sanction !ra#d. Te %reca#tions &ay "e taken at te "ank level

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to avoid te ass#rance o! !ra#d i.e. KY+ nor&s "e !ollo$ed- &ain salary A>c so#ld

"e veri!ied- loan so#ld "e granted against te !lat > o#ses "#ilt "y re%#ted "#ilders

only. An #ndertaking !ro& te "#ilders !or not "een sold to any oter %erson- searc

re%ort o! %ro%erty to "e cond#cted "y te advocate- original title deeds- %ro%erty ta4-

electricity "ill- ke%t on records. is"#rse&ent o! loan so#ld "e &ade a!ter s%ot

veri!ication- title deed so#ld "e scanned tro#g #ltra violet ray &acines "e!ore

&ortgage and "ank so#ld inde%endently veri!y te re%ort and no &iddle &an so#ld

"e involved in te %rocess and entire KY+. So te a#tor %oints o#t tat a"ove

&entioned %reca#tions $ill ena"le te "ankers to c#r" !ra#ds and %#"lic &oney can

"e saved.

A Pa"* n%%/ Ho+#n) 0nanc A G/oba/ P*#"c%7” b' Rao

K.N. 244;

According to Rao- o#sing !inance is a long ter& %ro%osition involving &any risks !or

te lenders- "orro$ers and even !or te econo&y in general. As o#sing !inance is a

long ter& ga&e- it re0#ires %ro%er assetlia"ility &anage&ent strategy- te "orro$ers

also !ace interest rate risk- es%ecially $en tey are locked in !i4ed rates $en interestrates are !alling and !loating rates are rising. Te a#tor &entions in tis article tat

o&e loans ave "een registering e4%onential gro$t in India d#ring te last si4

years. ,asy li0#idity conditions- lo$ interest rates- availa"ility o! ta4 selters on

re%ay&ent o! %rinci%al and interest s#rging de&and !ro& &iddle inco&e gro#%

"orro$ers- lo$er reg#latory ca%ital- te co&!ort o! tangi"le sec#rity ave all

collectivity contri"#ted to te s%#rt in o&e loans. HF+- I+I+I and SBI are te

&a


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sec#ritization %rocess ave given tre&endo#s tr#st to o#sing !inance in co#ntries

like te CS and ,#ro%e. It is a %rocess o! selling o&ogeneo#s loans !or cas "y te

!inancing "anks- to a s%ecial %#r%ose veicle. Te S@5 in t#rn collects &oney "y

selling "onds- $ic ave te sec#rity "acking in te !or& o! o&e &ortgages.

+inese "anks do not ave any signi!icant e4%os#re to o#sing loans. Te ?atin

A&erican co#ntries do not ave an e!!icient instit#tional &ecanis& !or dis"#rsing

o#sing loans.

A Pa"* n%%/ I# Ho+#n) 0nanc Sa3 a# Ho+#L O* D/n+nc'

n Ho+#n) 0nanc” A+%$o* b' S*n7a# S.P. 244;

Te st#dy revealed tat dis"#rse&ent o! o&e loan increased at increasing gro$t

rate d#ring te gro$t rate o! dis"#rse&ent in (**** co&%ared to te earlier year

$as =.1M $ic increased #% to 1/M in (**(*=. Te reasons "eind te gro$t in

o#sing loans are-

9i: ,asy availa"ility o! o#sing loans

9ii: Gro$ing %o%#lation9iii: N#clear !a&ily syste&

9iv: Ne$er seg&ents !or !inance

9v: Cr"anization o! Indian econo&y

9vi: Sortage o! d$elling #nits

9vii: eclining o! cost o! o#se to inco&e ratio etc and-

9viii: Ta4 "ene!its.

Te st#dy revealed tat "anks ave also concentrated on o#sing loans "eca#se te

o#sing loans are totally sec#red as te &ortgage on te %ro%erty sec#rities te loan.

Also te ca%ital ade0#acy re0#ire&ent !or general lending is at **M !or o#sing

loans. Te %rocessing and doc#&entation o! o#sing loan is very easy d#e to

e4tensive #tilization o! tecnology. B#t tere are also so&e co&&on !ra#ds occ#rring

in o#sing !inance like an individ#al2s in!late teir inco&e state&ent- &ani%#late te

inco&e ta4 ret#rns- in!late te val#e %ro%erty- lack o! a%%raisal J !ollo$ #% etc. Te

researcer as also e4%lained te ne$ conce%t o! N@? 9Non%er!or&ing loan:. Te

o#sing !inance as "een associated very lo$ risk. B#t e&%irical evidence s#ggest

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tat non%er!or&ing loan in te Indian o#sing !inance sector are c iger tan in

a develo%ed &arket. N@? rise in India "eca#se o! $illing de!a#lters and an e&erging

%o%#lation o! !ra#dsters. Tis is also a re!lection o! ind#stry2s aggressive &arketing

and so&e inade0#acies in a%%raisal standards and syste&. S#c ig N@? ave t$o

!old i&%act i.e. tey de%ress yield and entail a credit cost in te !or& o! %rovisioning

and $riteo!!. Te researcer also !o#nd tat te N@? o! o#sing !inance co&%anies

are iger tan te "anks. Te s#ggestion given "y researcer is tat i! te "anks ave

not taken te %r#dential nor&s !or o#sing loans tey ave to cond#ct recovery &ela

instead o! %resent loan &ela.

A R#a*c$ A*%c/ n%%/ Ho+#n) 0nanc n Ina A Ca#

S%+' o3 ICHo+#n) 0nanc &%” b' Sn)$ 0+/ba) %.a/. 244;

In tis %a%er- te a#tors ave st#died te o#sing !inance in India. Ho#sing- as one o!

te tree "asic needs o! li!e- al$ays re&ains on te to% %riority o! any %erson-

econo&y- govern&ent and society at large. In India- &a


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T$ S%+' n%%/ Ho+#n) 0nanc n Ina P*ob/ an P*o#"c%#”

A+%$o* b' C$a+b' M. 2445;

Te o"


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Only )*M said tat te o!!icials o! te instit#tions $ere el%!#l. Only (3M o! te&

re%orted tat tey $ere getting entire cost o! !lat as a loan. - Only 8*M o! te

res%ondents !elt tat rate o! interest canged "y te instit#tions is reasona"le. Only

8(M o! te& $ere satis!ied $it te e4isting !acilities !or o"taining loan. A"ove al!

o! te& 9)(M: stated tat te loan also covered li!e or !ire ins#rance "ene!it. - Only

8(M re%orted tat re%ay&ent %eriod is ade0#ate. 83M res%ondents stated tat tey

$ere reg#lar in &aking %ro&%t %ay&ents. T#s- "y and large- o%inion o! te

res%ondent is not very c in !avor o! te instit#tions- "eca#se e4ce%t in t$o cases

in all te re&aining cases a !avora"le o%inion $as e4%ressed "y less tan )*M.

Si&ilarly- regarding vario#s %ro"le&s !aced "y te c#sto&ers- it $as !o#nd tat &ore

tan al! o! te res%ondents eiter strongly agreed or agreed $it te state&ents a"o#t

delay in a%%roval and dis"#rse&ent- inade0#ate g#idelines- tedio#s %roced#re lack o!

interest on %art o! o!!icials- di!!ic#lty in getting sec#rity- inconvenience in %aying

,'I- irrelevant sec#ritization- illogical a%%roac and ins#!!icient a&o#nt sanctioned.

T#s- &a


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"ene!iciary and res%ective "ankers !or te Bavanasree2 #nit concerned. Secondary

data $ere collected !ro& vario#s %#"lications. Tis st#dy concl#ded tat in s%ite o!

vario#s sortco&ings o! te o#sing &icro!inance sce&e Bavanasree2 s%onsored

"y te Govern&ent o! Kerala- as got i&&ense %otential to co&e #% i! s#ita"le

strategies are ado%ted. #e to te $ide range o! &icro!inance activities c#rrently

"eing #ndertaken "y K#d#&"asree2 and te e4cellent ne4#s $it "anks- initiating

%rod#ctive o#sing sce&e and o"taining "etter ter&s !ro& "anks like !i4ed rate loans

a%%ear to "e 0#ite !easi"le.

A R#a*c$ S%+' n%%/ A S%+' on C+#%o&*# P*3*nc an

Sa%#3ac%on o3 0o+* Ba#c Ban(n) S*7c# n Co&ba%o* an

E*o” A+%$o* b' %*7/ T. 2414;

Te o"


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s#stain c#sto&ers on a longter& "asis- "ankers so#ld $ork to$ards **M

c#sto&er2s satis!action.

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CHAPTER- F

R#a*c$

M%$oo/o

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CHAPTER- F

R#a*c$ M%$oo/o'

I&"o*%anc o3 %$ S%+'

Tis section e4%lains te researc &etods- %roced#res and analytical !ra&e $ork o!

te %resent st#dy. Te researc &etods ave "een designed to !it te &ain o"


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in!or&ation collected "y %ersonal intervie$ $it &anagers o! Bank o! Baroda and

Te S#rat @eo%les +oo%erative Bank ?td.

Sa&"/n) Tc$n+

Te sa&%le $as selected #sing a convenient sa&%ling.

b; Co//c%n) Scona*' Da%a

Tere $as e4tensive #se o! secondary in!or&ation in te !or& o! "ooks- articles

%#"lised in &agazines-


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(: To e4a&ine ty%es o! retail loan in India.

=: To st#dy govern&ent %olicy regarding to te Ho#sing Finance in India.

8: To e4a&ine te %roced#re o! Ho#sing ?oan.

): To kno$ te reasons !or taking te o&e loan in S#rat city.

/: To st#dy te c#sto&ers satis!action levels to$ards "anks in S#rat city.

1: To #nderstand $y c#sto&ers %re!erred te BOB>S@B !or o&e loan in S#rat

city.

3: To cond#ct a +o&%arative st#dy o! te Bank o! Baroda and te S#rat @eo%les

+oo% Bank ?td in res%ect o! te vario#s as%ects o! te o&e loans in S#rat.

7: To #nderstand a"o#t %olices and %ractices o! "anks !or o&e loan.

H'"o%$##

So&e o! te Hy%oteses tat are tested in tis st#dy are as !ollo$s

: Tere is no association "et$een Age- ,d#cational #ali!ication- @ro!ession-

Yearly Inco&e- Ty%e o! Banks and 5ario#s Reasons !or Ho&e ?oan.

(: Tere is no association "et$een Age- Yearly Inco&e- Ty%e o! Banks and

A&o#nt o! ?oan Sanctioned.

=: Tere is no association "et$een Ctilization o! 5ario#s ty%es o! Bank Services-

Age- 'ode o! Re%ay&ent and Ty%e o! Banks.

8: Tere is no association "et$een ,d#cation- @ro!ession o! te Res%ondents and

'ode o! Re%ay&ent.

): Tere is no association "et$een Reason !or Selecting Bank and te Ty%e o!

Banks.

/: Tere is no association "et$een Ty%e o! Banks 9Nationalized or Non

Nationalized: to $ic res%ondents $o#ld like to s$itcover- i! e is asked to

do so and Ty%e o! Banks.

1: Tere is no association "et$een Age- ,d#cational #ali!ication- @ro!ession-

Yearly Inco&e o! Res%ondents and te A&o#nt o! ?oan A%%lied !or.

3: Tere is no association "et$een te Age- Yearly Inco&e- @ro!ession-

,d#cational #ali!ication o! Res%ondents and Sanctioned ?oan A&o#nt.

7: Tere is no association "et$een ays taken !or Sanctioned ?oan and Ty%e o!

Banks.

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&%a%on# o3 %$ #%+'

Tis researc st#dy $as ti&e "o#nd and d#e to tis only a !e$ as%ects o! te %ro"le& $ere taken #% !or st#dy.

Tis researc st#dy $as taken in a li&ited area only 9i.e. S#rat city: and

!indings &ay vary i! te area o! st#dy is canged.

So&e o! te res%ondents &igt ave "een "iased in teir res%onses and as

s#c te analysis and concl#sion "ased on it co#ld vary to so&e e4tent.

So&e o! te concl#sions also de%end #%on secondary data. To te e4tent tese

data are relia"lete concl#sion derived !ro& te& are valid.

Tis researc st#dy $as li&ited only to nationalized and coo%erative "anks

d#e to nonavaila"ility o! data on %rivate "anks.

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CHAPTER- !

Da%a Ana/'## ?

In%*"*%a%on

CHAPTER- !

Da%a Ana/'## ? In%*"*%a%on

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S@OT ANAYSIS

STRENGTH

Rigt strat

Hdfc Bank Project Nirali

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