m

m 

 
 


VHDFC is the first bank to receive an

approval from the Reserve Bank of
India (RBI) to set up a bank in the
private sector, as part of the RBI's
liberalisation of the Indian Banking
Industry in 1994.
V6he Bank at present has an
enviable network of over 531
branches spread over 228
cities across India. Customers
in over 120 locations are also
serviced through 6elephone
Banking.
V 6he authorised capital of HDFC Bank is
Rs. 450 crores . 6he paid Ȃ up capital is
Rs.311.9 crores. 6he HDFC Group holds
22.1% of the bank's equity and about
19.4% of the equity is held by the ADS
Depository ( American Depository
Shares New York Stock Exchange
(NYSE) under the symbol "HDB".)
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HDFC Bankǯs mission has always been to be Dza world class bankdz Ȃ
benchmarking itself against the international standards and best practices
in terms of product offerings, technology, service levels, risk management
and audit and compliance.

 

6he objective is to build sound customer franchises across distinct
business

6he bankǯs strategic network is based on 6hree core values:

1) Customer Focus 2 ) Operational Excellence

3) Product Leadership
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•
   
 

6o study the Banking Services activities at
HDFC

   
 

V Availability of data (primary and
secondary)
V Changing trend of Customer requirements
V Changing and unstable market trends
V Changing company approaches and policies

|

   
 


V Obtain and study current Banking Services

program of HDFC
V Study its impact on the Customers
ô

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6  
 
1) Management in the company
2) HDFC BANK employees
3) HDFC BANK Customers
ô
6o observe and to probe the knowledge level
and awareness of the bank employees about
derivative trading, a questionnaire has been
prepared containing 22 questions.
w

 
V Primary data
Obtained through interaction
V Secondary data
Obtained through existing data bases and MIS
Analysis and interpretation of collected data

 

1) Z- test 2) Standard Deviation
2) Mean

 m m
HDFC Bank has a wide network of more than 531
branches in the country spread across over 228
locations across the country. It can provide a trust
with solutions for collections of donations.

HDFC Bank provides Following Services to their

customers:
V Investment Services
V Fee Collections
V Payments Solutions
V Payable at par cheques
V Bulk Demand Draft / Cheque writing
facilities
V Electronic Funds 6ransfer (EF6):
V Employees Deposit Linked Insurance
(EDLI):
V Collection of 6ax deducted at Source (6DS)
/ Electricity bills
V Fixed Deposits
V Public Sector Undertaking (PSU) Bonds,
E6C
m

m 



| y rga isati
r i  fr a scial, c lt ral,
ec ic, e cati al r reliis case is
tere as a . Trsts are sally  -
rfit ra izati s a are c
letely
i e
e e t f ver e t r a y exter al
c trl.
s ave reac e t t all secti s f sciety
i cl i 
e , c il re ,  ra ise

r ers, yt , sl-
ellers a la less
la rers.
An NGO can be formed under various
legal identities:
V Society registered under Societies
Registration Act, 1860.
V 6rust (Formed under the 6rust deed and
registered with Income 6ax Authority.)
VLimited company incorporated
under section 25 of the Companies
Act, 1956
In India there are many types of charitable trusts. 6hey can be of the
following times:

1. Religious 6rusts 2. Educational 6rusts

3. Corporate 6rusts 4. Welfare 6rusts

d Income derived from property held under trust or of an institution

(Dztrustdz) wholly for charitable / religious purpose is exempt, 6rustǯs
application for registration is to be made to the Commissioner
within 1 year of creation

d 6he Finance (No. 2) Act, 2004 has given power to the Commissioner
to cancel the registration of the trust by an order in writing or are
not being carried out in accordance with the objects of the trust. if
he is satisfied that the activities of trust are not genuine
V m


Charitable trusts cannot make investments in any kind of
bonds or securities; they have certain rules while making
their investments.
V Investment in any security for money created and issued
by the Central Government or a State Government
V Investment in debentures issued by, or on behalf of, any
company or corporation both the principal
V Investment in immovable property
V Investment or deposit in any public sector company,
deposits with or investment in any bonds issued by a
financial corporation
  !"
!##$%&#
1) 8%RBI Bonds
V 6hese bonds are government taxable bonds issued
by the HDFC Bank.
V Since charitable trusts are exempted from paying
tax, they do not have to pay taxes on these bonds.
V 6hey are risk free bonds with a maturity period of
6 years. 6he interest is payable half yearly
2) Fixed Deposits
3) Investment in Public Sector Undertaking (PSU)
Bonds
VÊ

6m
HDFC Bank can offer fee collection facilities for
colleges, educational institutions / trusts. A daily pick
up would be arranged from the college, educational
institution / trust premises to pick up the cash /
cheques collected as fees. 6he same would be
deposited into its HDFC Bank a/c
V •|ô 6 6m
HDFC Bank is today offering various payment solutions
and it extends the same to various trusts and
institutions.
HDFC Bank has its branches in over 231 locations
across the country covering most of the metros and
mini-metros.
1) Payable at par cheques
2) Bulk Demand Draft / Cheque writing facilities
3) Electronic Funds 6ransfer (EF6)
V 6he EF6 system presently covers 15 RBI centres (viz,
Ahmedabad, Bangalore, Bhubneshwar, Kolkata,
Chandigarh, Chennai, Guwahati, Hyderabad, Jaipur,
Kanpur, Mumbai, Nagpur, New Delhi, Patna and
6hiruvananthpuram).
V Êm w w •m6 
©Higher interests on its savings,
©6he money not only stays secure but also
accumulates good interest over the period of
deposit. Partial withdrawal from the Fixed
Deposits before the date of maturity can bail
out in times of need.
©An initial deposit of Rs. 10,000/- is required to
open a Fixed Deposit. Add - ons are at a
minimum of Rs.5, 000/-
6he following can apply for a regular fixed deposit:
V Resident individuals
V Hindu undivided families
V Sole proprietorship firms
V Partnership firms
V Limited companies
V 6rust accounts
ô ô
m
Cash Management is the stewardship or proper use
of an entityǯs cash resources. It serves as the means
to keep an organisation functioning by making the
best use of cash or liquid resources of the
organisation.
Cash Management helps the organisation in:
V Eliminating idle cash balances
V Monitoring exposure and reducing risks
V Ensuring timely deposit of collections
V Properly timing the disbursements

  m



V Lower Interests Costs
V Improve Liquidity
V Better Accounting and Reconciliations
V Achieve Overall Operational Excellence
V Interconnectivity
V Centralized service desk
 ô
m
HDFC Bank can structure a number of Payment products
to suit various needs of trusts / association
V Payable at par cheques
V At par facility for statutory payments
V Pay Quick
V ECS Credit and Debit
V Electronic Funds 6ransfer
 ô m
 m 
m   m
Employees to whom the Employee's Provident
Fund and Miscellaneous Provision Act,1952
applies, have a Statutory liability to subscribe to
Employee's Deposit Linked Insurance Scheme,
1976.

©Settlement of claim is done efficiently after

receipt of all documentation. Insurance
company requires simple documentation such as
the death certificate and the Claim Form from
the employer.
©Each employee is covered for a uniform
sum assured from day one irrespective of
the actual balance in the Provident Fund.
6his subject to a minimum sum assured
of Rs.60, 000.
©Bank also offer additional riders to cover
risk of accidental death, medical and
health conditions (Critical Illness rider
conditions apply).
For obtaining a quote from an Insurance company, a
trust / institution would have to provide the
following data Ȃ
1. No. of employees
2. Name (optional)
3. Date of Birth
4. Designation / Nature of Work
5. Male / Female status
6. No. of deaths in the past 5 years
 
m  




HDFC Bank Ltd. is the first private bank authorized
by the Central Board of Direct 6axes (CBD6) as well
as the Reserve Bank of India (RBI) to accept direct
taxes.
HDFC Bank has taken an endeavour to make tax
payments convenient and simple to its clients. It
provides the following services in this respect:

V
 
 
 m m 
PERFORM 6HE BANKING AC6IVI6IES
• | |

6
50%
50%
40%
30%
20%
20% 15%

10% 5% 5% 5%

0%

ë
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(

45%
45%
40%
35%
30% 20%
25% 15% 15%
20%
15% 5%
10%
0%
5%
0%
 
' '
3 33
35 27

3
25
2
15
1 5
2 2
5

 ' ë' 

 '
25% 25%
25%

20% 15% 16%

14%
15%

10%
5%
5%

0%
 RESEARCH FEA6URES OF A HOME LOAN OR
CREDI6 CARD
25% 25% 25%

20%
15% 16%
14%
15%

10%
5%
5%

0%
Branch 6elephone Online A6M Mail Other
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50.00% 45.50%

40.00%

30.00%

20.00% 14.5% 15%

15%
10%
10.00%
0.00%
0.00%

  
 

35%
30%
25%
20%
15%
10%
5%
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100%
90%
80%
55%
70%
60%
35%
50% Prefer to receive
40% Currently receive
30%
45%
20% 35%
5% 5%
10% 10% 10%
0%
Mailed Online Emailed Other
Statement
 BARRIERS WHEN VISI6ING A BANK BRANCH

25%

20%

15%
25%

20%
10%
15% 15%

10% 10%
5%
5%

0%
Poor physical Poor access to Poor access to Unable to access 6he information Rude, inpatient Difficulty
access to branch teller counter private meeting information in provided was or patronizing communicating
entry room appropriate difficult to customer service with branch staff
format understand

Series1
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25%

20%

15%
25%

10%
15% 15%

10% 10%
5%
5%

0%
Difficulty Difficulty choosing Difficulty Difficulty making Difficulty hearing Rude, inpatient or
understanding automated options understanding call yourself information patronizing
automated options centre staff understood to call customer service
centre staff
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35%

27.50%

10%
8%
5% 5% 5%
2.50% 2%

Difficulty Color contrast 6ext too small Menus Unable to Site not Site too 6oo many Other -
finding difficult to see and not able difficult to navigate site accessible cluttered with automated
information to be enlarged understand using mouse with screen images or pop-ups
only reading other design
software features
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30%
30%

25%
20%
18%
20%
15%

15%

10%
5% 5%
5%

5% 2%

0%
Unable to Difficulty Difficulty Difficulty No Braille No audio Difficulty Other -
physically reaching A6M reading A6M reading A6M option option reaching cash
access A6M - keypad screen keypad available on available or receipt from
inaccessible keypad A6M
footpath/area
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120%
Having a sign language
100% 35% interpreter available in
19% branches
20% Ensuring signage is
80% 15%
accessible, in large print
35%
60% 25% with high color contrast
23%
Ensuring all information
40% 10% is available in a range of
16% 27% 28%
15% formats
10% 45% Ensuring all A6Ms have
20% 10%
12% 20% 20% Braille keypads and/or
10% 5%
0% audio options
1 2 3 4 5

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25% 22.10%
20% 17%
13.90% 15%
15%
9%
10% 6.50% 6%
5%
5% 3% 2.50%

0%
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)

V Difficult to get an appointment with the Customers of
charitable trusts.
V Customers normally hesitated to share information
because they didnǯt think this exercise was a fruitful one.
V All the Customers do not meet more than four - six times
a year. So it became difficult to get the approval of all the
members in one meeting.

However in spite of all the above difficulties, the most

important thing I learnt is that in the industry one
should not only work hard but should also be able to
get things done. One should not only be a good
planner but also a good executor

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