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Transcript of Strategies of Hdfc Bank
8/13/2019 Strategies of Hdfc Bank
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STRATEGIES OF HDFC BANK
Operational strategy
HDFC bank has been a consistent player in the banking industry and has always been
trying to produce the well balanced and right mix of products and services for both of its
customers in retail base and corporate base. HDFC bank operates in a highly automated
environment in terms of information technology and communication systems. All the
bank's branches have online connectivity which enables the bank to offer speedy funds
transfer facilities to its customers. !ulti"branch access is also provided to retail
customers through the branch network and Automated #eller !achines $A#!s%. #he
&ank has made substantial efforts and investments in acuiring the best technology
available internationally to build the infrastructure for a world class bank. #he &ank's
business is supported by scalable and robust systems which ensure that the clients always
get the finest services bank offer. #he &ank has prioriti(ed its engagement in technology
and the internet as one of its key goals and has already made significant progress in web"
enabling its core businesses. )n each of its businesses the &ank has succeeded in
leveraging its market position expertise and technology to create a competitive
advantage and build market share.
)n the era of globali(ation each and every sector faced the stiff competition from
their rivals. And world also converted into the flat from the globe. *rivate sector banks
today used the latest technology for the different transaction of day to day banking life.
As we know that )nformation #echnology plays the vital role in the each and every
industries and gives the optimum return from the limited resources. &anks are service
industries and today )# gives the innovative #echnology application to &anking
industries. HDFC bank is the leader in the industries and today )# and HDFC bank
together combined they reached the sky. +ew technology changed the mind of the
customers and changed the ueue concept from the history banking transaction. #oday
there are different channels which are available for the banking transactions.
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:hether in retail or wholesale banking the bank tries to be a ;one"stop shop< for the
Customers9 banking needs. #he wide range of products creates multiple cross"selling
opportunities for bank and improves customer retention rates.
d% HDFC %laims to have an e(perien%e" management team
According to HDFC many of the members of senior management team who have been
with the bank= since inception seem to have substantial experience in multinational
banking.
B#siness strategy
HDFC &A+2 mission is to be ;a :orld Class )ndian &ank< benchmarking themselves
against international standards and best practices in terms of product offerings
technology service levels risk management and audit 3 compliance. #he ob>ective is to
build sound customer franchises across distinct businesses so as to be a preferred
provider of banking services for target retail and wholesale customer segments and to
achieve a healthy growth in profitability consistent with the &ank's risk appetite. &ank is
committed to do this while ensuring the highest levels of ethical standards professional
integrity corporate governance and regulatory compliance. Continue to develop new product and technology is the main business strategy of the bank. !aintain good relation
with the customers is the main and prime ob>ective of the bank.
HDFC &A+2 business strategy emphasi(es the following7
?)ncrease market share in )ndia9s expanding banking and financial services
industry by following a disciplined growth strategy focusing on uality and not on
uantity and delivering high uality customer service.
?@everage our technology platform and open scalable systems to deliver more products to
more customers and to control operating costs.
?!aintain current high standards for asset uality through disciplined credit risk
management.
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?Develop innovative products and services that attract the targeted customers and
address inefficiencies in the )ndian financial sector.
?Continue to develop products and services that reduce bank9s cost of funds.
?Focus on high earnings growth with low volatility
)ar!eting strategies
• Distribution
• Choice of channels for services
• !odern technology
• !aintaing public relationship
• )nternet services
• Advertising
• 8trong marketing position
• *ersonal banking for the customers
• Focus on elationship banking
• &ank tries to establish a customer relationship management in almost every
branch.
• Customer centric technologies
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)ar!eting %ampaigns la#n%he" y HDFC an!
HDFC &ank has launched neighborhood marketing initiatives in tier"two cities and towns
to create awareness about its various products and services. #hese initiatives are
especially targeted at those consumers who are not aware about the bank's various value"
added services such as direct banking facilities. #hese campaigns demonstrated the
advantages of net banking and mobile banking as these concepts are relatively new to
people living in smaller towns and cities.
#he bank has also launched another initiative called ;&usiness 2i &aten< which is
targeted at areas where the bulk of the population comprises small businessmen. #he
bank would get experts to talk on a number of issues such as value"add tax and sales tax.
According to an article in Hindu business line dated +ovember 4 ,--0 these campaigns
provide bank with information about customer preferences that can be used for mass
media communication making it more effective. HDFC can measure the result of a
campaign through the sales that they generate and the customers that are added. #here is
a clear return on investment which from a functional point of view gives the team a
stronger voice. HDFC has also been able to reduce ad spends by about -"1 per cent and
has also reduced the cost of acuisition. HDFC wants to create an environment that is
reuired to support customer intelligence that leads to database marketing.
HDFC bank has invested in many cross" selling activities. HDFC strategy has been not
only the acuisition of new customers but at creating product awareness enhancing usage
and also providing value"added services to customers to reward them for their faith and
loyalty. HDFC also sends personali(ed mailers about their various products to the data
base which they acuire. HDFC tries to sell itself as one" stop financial super market.
C#stomers an" )ar!eting* ho' is it "one $or retail pro"#%ts o$ the
an!
#he target market for retail services comprises upper" and middle"income persons and
high net worth customers. HDFC also target small businesses trusts and non"profit
corporations. #he marketing of products is done through branches telemarketing and a
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dedicated sales staff for niche market segments. HDFC also use third"party agents and
direct sales associates to market certain products and to identify prospective new
customers. Additionally bank obtains new customers through >oint marketing efforts
with our wholesale banking department such as our Corporate 8alary Account package.
#he marketing of auto loan and two"wheeler loan products are done through >oint efforts
with relevant manufacturers and distributors.
#here are programs that target other particular segments of the retail market. For
example the private and preferred banking programs provide customi(ed financial
planning to high net worth individuals in order to preserve and enhance their wealth.
*rivate banking customers receive a personal investment advisor who serves as their
single"point HDFC &ank contact and who compiles personali(ed portfolio tracking
products including mutual fund and euity tracking statements. HDFC bank private
banking program also offers euity investment advisory products. :hile not as service"
intensive as the private banking program preferred banking offers similar services to a
slightly broader target segment. #op revenue"generating customers of the preferred
banking program are channeled into bank9s private banking program.
CO)+ETITI,E ANA-.SIS
ICICI an!
)C)C) &ank is )ndia's second"largest bank with total assets of s. BB4.-- billion $8E
0 billion% at !arch B ,-- and profit after tax s. 4-.,1 billion $8E 06 million% for
the year ended !arch B ,--. #he &ank has a network of ,--6 branches and about
1,6 A#!s in )ndia and presence in 0 countries. )C)C) &ank offers a wide range of
banking products and financial services to corporate and retail customers through a
variety of delivery channels and through its speciali(ed subsidiaries in the areas of
investment banking life and non"life insurance venture capital and asset management.#he &ank currently has subsidiaries in the nited 2ingdom ussia and Canada branches
in nited 8tates 8ingapore &ahrain Hong 2ong 8ri @anka atar and Dubai
)nternational Finance Centre and representative offices in nited Arab Gmirates China
8outh Africa &angladesh #hailand !alaysia and )ndonesia. ur 2 subsidiary has
established branches in &elgium and Iermany. #he bank has a presence in around 0
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countries across the globe. #hey offer a wide gamut of retail products to its retail
customers and as well as other banking products related to the corporate segment. #hese
include )C)C) personal loan )C)C) home loan )C)C) car loan )C)C) credit cards )C)C)
@A* etc. #hey also offer financial services that span asset management venture capital
investment banking life and non"life insurance. )C)C) euity shares find a place in the
&ombay 8tock Gxchange and +ational 8tock Gxchange in )ndia with its American
depositary receipts listed in the +ew 5ork 8tock Gxchange. )C)C) &ank is one of the
most popular banks in recent times with its presence felt through a huge network of 461
branches and 40 A#!s across the country with profits running into 0.0 billion in the
uarter ended June ,--6. #he bank also has a presence in around 0 countries across the
globe. #hey offer a wide gamut of retail products to its retail customers and as well as
other banking products related to the corporate segment.
)ilestones
• )n 666 )C)C) become the first )ndian company and the first bank or financial
institution from non"Japan Asia to be listed on the +58G.
• !erger of )C)C) &ank with &ank of !adura @imited in fiscal ,-- and ,--,.
• )n ctober ,-- )C)C) *ersonal Financial 8ervices and )C)C) Capital 8ervices
wholly owned by )C)C) @imited were allowed to be merged with )C)C) &ank
which was formally approved by the &) in April ,--,.
• 2.K. 2amath is the Chairman of the )C)C) group. Chanda D. 2ochhar the
!anaging Director 3 CG of )C)C) &ank was recently named in Forbes list of
the :orld9s -- !ost *owerful :omen and ranked in the top ,- of the list
compiled by Forbes sharing the honor with 8onia Iandhi Congress *resident
who ranked Bth.
ICICI an! retail pro"#%ts
A%%o#nts an" "eposits
Savings a%%o#nt
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)C)C) bank savings account offers the customers following features7"
• Debit"cum"A#! Card
• !oney !ultiplier Facility
• )nternet &anking
• Customer Care
• !obile &anking
• 8tanding )nstructions
•
+omination facility
• DD Call and Collect
Deit*%#m*AT) Car" * :ith )C)C) &ank Savings A%%o#nt the customers will get a
debit card that one can use to withdraw cash from any A#!. Customers may also use
their debit card to directly make purchases through a KisaL!asterCard *8 $*oint of
8ale% machine available at most stores according to the bank this will help customers
access their money from anywhere. #he )C)C) &ank )nternational debit card is a debit"
cum"A#! card providing customers with the convenience of acceptance at merchant
establishments and cash withdrawals at A#!s. )f the customers want to withdraw cash
from their )C)C) &ank 8avings account they can walk into any bank's A#! and use their
)C)C) &ank A#!"cum"Debit card for free. #he above benefit is available free of cost for
the first 1 transaction per month upto s ---- per transaction.
)oney )#ltiplier Fa%ility*#he !oney !ultiplier feature gives customer the liuidity of
a 8avings Account coupled with high earnings of a Fixed Deposit. #his is achieved by
creating a Fixed Deposit linked to customers 8avings Account providing them the
following facilities.
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)a(im#m ret#rns / According to the bank the customer9s money is never idle.
Creation of a linked FD ensures higher rate of interest on their 8avings &ank
Deposits. ne can issue instructions through any channel such as the )C)C) &ank
&ranch )C)C) &ank *hone &anking and )C)C) &ank's )nternet &anking for
creation of Fixed Deposit$s% from the surplus funds in your 8avings &ank
Account $sub>ect to a minimum of s. ----%. #he Fixed Deposits will be
created in multiples of s. 1--- for tenure of one year or more as instructed by
the customer.
)a(im#m -i&#i"ity M #he customers can withdraw the funds from their savings
account through any channel such as the )C)C) &ank A#! )C)C) &ank )nternet
&anking or by issuing a cheue etc. All linked Fixed Deposits will be enabled for
automatic everse 8weep in multiples of s. 1--- on a @ast")n"First"ut $@)F%
basis when the balance in the 8avings Account falls below s.- ---. #he
amount reverse swept will earn interest rates at the applicable rate for the period
that the deposit was held with the &ank. #he remaining amount will continue to
earn higher interest at the original rate applicable to the fixed deposit.
A#to Rene'al " nder this facility when their deposits fall due the bank will
automatically renew the principal and accrued interest for the same tenure as theoriginal deposit.
Internet Ban!ing"For internet banking the customers need to log in with their user )D
and password and make banking a hassle"free routine. )t is offered free of cost.
C#stomer Care M #he bank has ,4"hour Customer Care service always available to
answer any uery or take their instructions.
)oile Ban!ing M #he customers have an option of mobile banking through which they
can do #ransferring of funds or getting to know their balance.
Stan"ing Instr#%tions " )C)C) &ank accepts and supports 8tanding )nstructions.
According to them the customers don't have to worry about the chore of carrying out a
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routine transaction. #hey can >ust set up a 8tanding )nstruction and then the bank will
manage.
Nomination Fa%ility M #he customers may nominate a person as beneficiary to their
account proceeds. +omination facility available for bank deposits.
#here can be only one +ominee for a deposit account whether held singly or
>ointly.
A person legally empowered to operate a minor's account can file a nomination on
behalf of the minor.
Applicants can make nomination by filling up the Form prescribed under the
&anking Companies $+omination% ules 601
#he nomination details can be changed during the subsistence of the account
relationship by filling up the Form prescribed under the &anking Companies
$+omination% ules 601.
DD Call an" Colle%t M according to the bank the customers need to wait in bank to
collect DD they can do so on the way to the branch by >ust calling Customer Care and
providing them details of the DD to be prepared and collect it ready and signed at the
branch.
Salary a%%o#nts
)C)C) &ank 8alary Account is a benefit"rich payroll account for Gmployers and
Gmployees. As an organi(ation one can opt for 8alary Accounts to enable easy
disbursements of salaries and to have access to other benefits too. According to the bank
with )C)C) &ank 8alary Accounts employees will en>oy the convenience of having the
largest network of A#!s free ,4 hour phone banking and free internet banking. :hat
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the customers would reuire to do is to send )C)C) &ank an advice $in form of a
cheueLdebit instruction ecs etc% for the total salary amount along with the salary details
of the designated employees in a soft and hard copy format and bank will credit the
respective employees' accounts as per the company9s statement of advice.
)C)C) &ank 8alary Accounts has the benefits of reduce paper work and saves remittance
costs and also the employees receive instant credit of salaries. &esides all of the above
employees will automatically become )C)C) &ank account holders with special benefits
and privileges of 0"0 banking )nvestment advisory and much more. )C)C) &ank also has
a special offering7 Defense &anking 8ervices designed exclusively for the armed forces.
Fi(e" "eposits
#he )C)C) bank fixed deposits offer following advantages7"
:ide range of tenures.
Choice of investment plans.
*artial withdrawal permitted.
8afe custody of fixed deposit receipts.
Auto renewal possible.
@oan facility available.
Feat#res
#he customers can deposit any amount of money in Fixed Deposit for as long as
they wish between 1 days to - years. All fixed deposits come with a set choice
of investment plans. Fixed ate Deposit accounts also provide Fixed @oans. e"
investment Fixed Deposit rates do not change but works like a ecurring Debit
Account transaction. )n other words e"investment *lans are compounded over
traditional deposits and hence are more lucrative over different time periods.
ther features include7
)inim#m Balan%e
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Customers can avail of )C)C) &ank Fixed Deposits for a minimum deposit of s
----.
Nomination
+omination facility available for bank deposits.
#here can be only one +ominee for a deposit account whether held singly or
>ointly.
A person legally empowered to operate a minor's account can file a nomination on
behalf of the minor.
Applicants can make nomination by filling up the Form prescribed under the&anking Companies $+omination% ules 601.
#he nomination details can be changed during the subsistence of the account
relationship by filling up the Form prescribed under the &anking Companies
$+omination% ules 601.
Choice of two investment plans7
Tra"itional
)nterest payable monthly or uarterly as per your convenience
!aturity period ranges from 1 days to - years
Reinvestment
)nterest is compounded uarterly and reinvested with principal amount
!aturity period ranges from months to - years
Bene$its
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Fixed Deposits at )C)C) &ank comes with nomination facility. #he bank also offers
online access to Fixed Deposits through their )nternet &anking channel. )nternet &anking
at )C)C) &ank allows customers to connect to their Credit Card @oan and their Fixed
Deposit with their savings account. )n re"investment deposits the interest is compounded
uarterly and reinvested with the principal. #raditional term deposits provide tax shelter
and shield you from factors affecting fixed deposits in )ndia over longer periods of fixed
time.
All the facilities available with )C)C) bank can be listed as follows.
Channels
)C)C) &ank has the following channels through which it offers its products and services
to its customers.
• &ranches
• A#!s
• )nternet &anking
• !obile &anking
• *hone &anking
*roducts and services
)C)C) &ank offers a host of products and services to its clients which include Deposits
@oans Cards )nvestments )nsurance Demat +) 8ervices and nline 8ervices etc.
Deposits
Following deposits are offered7
• 8avings Account
• Advantage Deposit
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• 8pecial 8avings Account
• @ife *lus 8enior Citi(ens 8avings Account
• Fixed Deposits
• 8ecurity Deposits
• ecurring Deposits
• #ax"8aver Fixed Deposit
• 5oung 8tars 8avings Account
• Child Gducation *lan
• &ankNCampus
• 8alary Account
• Advantage :oman 8avings Account
• GGFC Account
•
esident Foreign Currency $Domestic% Account
• *rivilege &anking
• +o Frills Account
• ural 8avings Account
• *eople's 8avings Account
• 8elf Help Iroup Accounts
• utward emittance
• Freedom 8avings Account
• Family &anking
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-oans
)C)C) &ank offers following loan facilities7
• Home @oans
• @oan Against *roperty
• *ersonal @oans
• Car @oans
• #wo :heeler @oans
• Commercial Kehicle @oans
• @oans Against 8ecurities
• @oan Against Iold rnaments
• *re"approved @oans
Car"s
)C)C) &ank is )ndia's largest issuer of credit cards. )t also offers other types of cards. #he
various cards offered by )C)C) bank are as below7
Consumer Cards
Credit Cards
#ravel Cards
Debit Cards
Commercial Cards
Corporate Cards
*repaid Cards
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*urchase Cards
Distribution Cards
&usiness Cards
A(is an!
Axis &ank previously known as #) &ank is one of the leading &anks of )ndia along
with HDFC &ank and )C)C) &ank. Gstablished in 664 it's the first of the new private
sector banks in )ndia to start its operations when Iovernment of )ndia opened the gate
for the private banks to flock into the )ndian financial market. #hough the bank started its
operation with the name #) &ank but later in order to avoid ambiguities and confusion
with other discrete entities carrying the same name it changed its name to its current
form $Axis &ank% in April ,--O. Axis &ank @imited recorded a total income of s.
BO41.-4 crore as on the year ended !arch B ,--6. )t also made a net profit of s.
0,.6B crore in the same financial year. Axis &ank offers a range of financial products
and services to its clients throughout the country. )t also has special strength in retail and
corporate banking. Axis &ank offers following services7
• *ersonal &anking
• Corporate &anking
• +)
• *riority &anking
+ersonal an!ing
#he *ersonal &anking of Axis &ank includes following services7
A%%o#nts
Pero &alance 8avings Account
2rishi 8avings Account
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Gasy Access 8avings Account
*rime 8avings Account
Corporate 8alary Account
:omen's 8avings Account
Demat Account
8enior Citi(en's Account
Defence salary Account
#rustL+I 8avings Account
FC$D% Account
A((adi " +o Frills
*ension 8avings Account
Deposits
Fixed Deposits
ecurring Deposits
Gncash ,4
#ax 8aver Fixed Deposit
-oans
Home @oan
Car @oan
*ersonal @oan
@oan Against 8hares
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@oan Against *roperty
@oan Against 8ecurity
8tudy @oan
Consumer @oan
Car"s
Credit Cards
Debit Cards
*repaid Cards
+ayments
&ill *ay
Glectronic Clearing 8ervice
#ax *ayments
• #ax e"*ayments
• Direct #ax *ayments
• *ension Disbursement
Other Servi%es
!obile efill
@ocker
nline 8hopping
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)*8 mart
G"8tatement
Cre"it
@arge Corporate
• :orking Capital Finance
• #erm @oans
• #rade 8ervices
• 8tructured Finance
• 8upply Chain !anagement
• verseas #ransactions
Agri &usiness
• 2isan *ower
• *owertrac
• Commodity *ower
• Contract Farming
• Arthia *ower
8!G 8tandard
8!G Fast #rack
!icrofinance
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+riority an!ing
Following services are offered under this category7
A%%o#nts
esident
+)
Deposits
Fixed Deposits
ecurring Deposits
Gncash ,4
-oans
Home @oan
*ersonal @oan
@oan Against *roperty
@oan Against 8ecurity
Car loans
Consumer *ower
8tudy *ower
Car"s
*riority Debit Card
Credit Cards
• *latinum Credit Card
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• ,isa )oney Trans$er
• +o'er Trans$er
• AT)
KOTAK )AHINDRA BANK
2otak !ahindra is among the leading financial organi(ation of )ndia with a range
of financial services that caters to all customers' day to day reuirements. #heir
products spans from commercial banking to stock broking to mutual funds to life
insurance to investment banking M diverse needs of individuals and corporate are
catered to. #he 2otak group has a net worth of more than s. O66 crore with the
branches franchisees representative offices and satellite offices spread across
cities and towns in )ndia. #hey also have global offices in +ew 5ork @ondon 8an
Francisco Dubai !auritius and 8ingapore. #he 2otak Iroup offers their services
to approximately .4 million customers.
#he 2otak !ahindra Iroup got incepted in 601 in the form of 2otak Capital
!anagement Finance @imited being promoted by day 2otak 8idney A. A. *into
and 2otak 3 Company. A stake in the group was taken in by industrialists Harish
!ahindra and Anand !ahindra and this is the time when the company changed its
name to 2otak !ahindra Finance @imited.
Kota! Gro#p +ro"#%ts 2 Servi%es
. &ank
,. Credit Cards
B. @ife )nsurance
4. !utual Funds
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1. Car Finance
. 8ecurities
O. )nstitutional Guities
0. )nvestment &anking
6. )nternational &usiness
-. 2otak *rivate Guity
. 2otak ealty Fund
,. :ealth !anagement
Ao#t Kota! )ahin"ra Ban!
#he flagship company of 2otak !ahindra Iroup 2otak !ahindra Finance @td was
established in 601. #he same got converted into a bank " 2otak !ahindra &ank @td in
!arch ,--B. 2otak !ahindra bank has presence in commercial vehicles retail finance
corporate banking treasury and housing finance.
Servi%es o$ Kota! )ahin"ra Ban!
Deposit A%%o#nts
• 8avings account
• Current Account
• #erm Deposits
-oans
• *ersonal @oans
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• Home @oans
• @oan Against *roperty
Investment Servi%es
• Demat
• !utual Fund
• )nsurance
• Iold
Convenien%e Ban!ing
• +et &anking
• !obile &anking
• *hone &anking
• A#! +etwork
+3N4AB NATIONA- BANK
#he *un>ab +ational &ank or *+& is one of the well known commercial and banking
institutions in )ndia. )t is the second largest government owned and regulated
commercial bank in the country and offers speciali(ed solutions and financial services
in a number of sectors. Around BO million customers are served by the bank on an
average basis. #he customi(ed facilities and services make it a trusted name in the
domain of banking.
Gro'th o$ +#n5a National Ban!
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*un>ab +ational &ank was registered under the )ndian Companies Act on 6 !ay in the
year 064 and its first office was set up at Anarkali &a(aar in @ahore. 8ince then the
bank has become a great name in the field of banking and is very much preferred by the
customers for the wide range of its services. #oday the bank has around 46-4 branches
in around O4 cities. Due to its facilities and services of high standards *un>ab +ational
&ank has also been the recipient of a number of prestigious awards. )t has been ad>usted
as the ,40th biggest bank across the globe according to a recent survey made by &ankers
Almanac in @ondon. #he Gconomic #imes has also listed the bank as B0th among the
premier 1-- companies and the 6th among the most trusted brands in )ndia. #he total
asset value of the bank amounts to around 8E- billion. #here is also a subsidiary of the
*+& in the nited 2ingdom. )n addition the bank also has branches in some other cities
like7
• 2abul
• Honk 2ong
• slo
• 8hanghai
•
Dubai
Servi%es o$ +#n5a National Ban!
*un>ab +ational &ank offers financial solutions and services in an array of sectors. All
these services that are offered keep pace with the changing market trends in order to
fulfill the needs and preferences of the customers. 8ome of the well known sectors on
which the main functions of the bank are based are7
• *ersonal &anking
• Corporate &anking
• Agriculture finance services
• )ndustrial finance services
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• #rade financial services
• )nternational banking services
*+& also has commercial relationship with more than ,-- prestigious international banks
across the globe. )t has the provisions of upee Drawing Arrangements with around 1
exchange companies in the AG and in 8ingapore. )n case of the personal banking
segment the bank offers customi(ed solutions to take care of almost all financial needs of
the customers. 8ome of the well known services that are offered in the bank are7
• 8avings Fund Account
• Fixed Deposit scheme
• Current account
• @oan services
*un>ab +ational &ank is also a well known name in housing loan benefits. #he bank
offers both short term and long term loans. #he rates are also affordable and can be paid
within a particular time. #he housing loans are given for a number of purposes such as7
•
Construction of a building• *urchase of a new house or a flat
• *urchase of flat or house on a First *ower of Attorney basis
• For the purpose of repair or renovation of a house or a building
#he *+& Housing Finance sanctions around 0-/ of the cost of the pro>ect. However
the maximum amount is around s 1- lakh. #he maximum loan amount for the
purpose of renovation and repair is s 1 lakh. )n most cases the loan is available for a
period between 1 and ,- years before one becomes 1 years of age. #he interest of the
loan is based on the reducing balance and the principal amount of the loan is also
based on the repaying capability of the borrower.
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)#t#al $#n"s o$ +#n5a National Ban!
#he mutual funds of *un>ab +ational &ank are covered under the *rincipal *+& Asset
!anagement Company. 8ome of the well known schemes of mutual funds are7
• *rincipal Irowth 8cheme
• *rincipal balanced Fund
• *rincipal )ncome Fund
• *rincipal government 8ecurities Fund
• *rincipal )ncome Fund M 8hort #erm Debt
• *rincipal Cash management Fund
• *rincipal )ndex Fund
#able showing analysis on different parameters7"
S6NO +ARA)ETE
RS
HDFC
BANK
ICICI
BANK
A7IS BANK KOTAK
)AHINDR
A
BANK
+3N4AB
AND
NATION
-
BANK
. &A+CHG8 4,
$)+D)A%
4$DG@H)
%
,--6
$)+D)A%
-6
$ Delhi%
O--Q
$)+D)A%
O0$DG@H)%
,41
$)+D)A%
$DG@H)%
B01-$)+D
A%
,B$DG@H
)%
,. A#!s 1,6
$)+D)A%
4-11
$)+D)A%
Oapprox.
$)+D)A%
B. CHGG
DG*8)#
&R
5G8 5G8 5G8 5G8 5G8
4. GA85 5G8 5G8 5G8 5G8 5G8
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)+#G+G#
&A+2)+I
1. AKGAIG
A#G@5
&A@A+CG8AK)+I8
ACC+#
KA@G
ADDGD
8AK)+I8
GI@A"
s.----
$&A+
L!G#%
s. 1---
$8G!)
&A+%
8AK)+I8
!AR
ACC+#
s. ,1---
8G+)C)#)PG+8
s. 1---
+
F)@@8"
+)@
2)D98
ADKA+#A
IG
ACC+#
s. 1---
8*G
8AK)+I8
s. ----
$&A+
L!G#%
s. 1---
$8G!)
&A+%
PG
&A@A+CG"
s.11--
GA85
ACCG88"
s. 1--- in
metro or urban
centers
s. ,1-- in
semi urban
centers and s.
--- in rural
centers.*)!G
8AK)+I8
ACC+#"
s 1--- $urban
3 metropolitan
branches% or s
,1-- $rural 3
semi"urban
branches%
ACG7
s.1----
*7
s.,----
GDIG7
8.----
*+&
*)DG+#
8:GG*"
s.----
$&A+
L!G#
s. 1---
$8G!)
&A+%
##A@
FGGD
!
8AK)+IF+D
8A@A5
ACC+
#"
s. -
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ACC+#
s. ,1---
. A#G
A**@)CA&@G
+ 8AK)+I8
ACC+#
8aving ALcB.1-/ onregular
savingsaccount
8aving ALcB.1-/ and
interest paid
Half 5early
B.1-/ andinterest paiduarterly on
easy accessaccount
B.1/ pa
B.1-/
O. Iold debit card 5es yes yes 5es 5es
0. 8tatement
charges
Freeuarter
Freeuarter
Freeuarter
Freeuarter
Free
monthly
6. ,4 hour phone
banking
5es yes yes 5es 5es
#he following list of the fixed deposits that was created by interacting with the customers
as what they prefer most of the listed banks. #he customers said that they are not aware
about the FDs of 2otak !ahindra bank and don9t mind *un>ab national bank as they trust
the bank with all of its products. #he comparison is made on the basis of what customers
think was beneficial.
F)RGD DG*8)#8
Account
name
&ank
+ame
#ype of
account
ate !inimum
balanceLdeposits
)nterest paid
FixedDeposit
)C)C)
&A+2
F)RGD
DG*8)#8
6.1/ s.---- A#G@5
egularFixed
Deposit
HDFC
&A+2
F)RGD
DG*8)#8
0.O1/ 8. ---- A#G@5
FixedDeposit
AR)8
&A+2
F)RGD
DG*8)#8
,.1-/ 8. ---- A#G@5
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