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    UNIVERSITY OF MUMBAI

    PROJECT ON

    BACHELOR OF COMMERCE

    (BANKING & INSURANCE)

    SEMESTER VI

    (2011-2012)

    SUBMITTED BY

    PROJECT GUIDE

    Pr!"NANDINI JAGANNARAYAN

    HINDI VIDYA PRACHAR SAMITI#S

    RAMNIRANJAN JHUNJHUN$ALA COLLEGE%

    GHATKOPAR ($EST)% MUMBAI-00 0'"

    INFORMATION ABOUT HDFC BANK*

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    BACHELOR OF COMMERCE

    BANKING & INSURANCE

    SEMESTER V

    SUBMITTED

    IN PARTIAL FULFILLMENT OF THE RE+UIREMENTS

    FOR THE A$ARD OF DEGREE OF BACHELOR OF

    COMMERCE-BANKING & INSURANCE

    BY

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    HINDI VIDYA PRACHAR SAMITI*S

    RAMNIRANJAN JHUNJHUN$ALA COLLEGE

    GHATKOPAR ($)% MUMBAI-000'

    CERTIFICATE

    THIS IS TO CERTIFY THAT Miss OF B.COM. BANKING & INSURANCE

    SEMESTER V (2011-12) HAS SUCCESSFULLY COMPLETE THE

    PRO!ECT ON "* UNER THE GUIANCE OF Pr!" NANDINI

    JAGANNARAYAN)

    PRINCIPAL.

    (DR" USHA MUKUNDAN)

    PRO!ECT GUIE# INTERNAL E$AMINER

    (Pr!" NANDINI JAGANNARAYAN)

    E$TERNAL E$AMINER

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    DECLARATION

    I% Miss THE STUENT OF B.COM. BANKING & INSURANCE SEMESTER

    V (2011-12) HEREBY ECLARES THAT I HAVE COMPLETE THE

    PRO!ECT ON *"

    THE INFORMATION SUBMITTE IS TRUE AN ORIGINAL TO THE

    BEST OF MY KNOLEGE.

    SIGNATURE OF STUENT

    NAME OF THE STUENT

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    ACKNO$LEDGEMENT

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    Cs 46764 ;7is 9 4*i4 ;74,i46 s:i5s

    C45 9 4' 4*i4 s:i5s *i, ;7458*ss ;74,i46

    T8 8+*63 i4:*:+ 5ii46 74+ s+3i46 ss 9 8 ;74,s

    5s +77;7s% 576i+ 4 8 ;7sis 9 s76 74+ 74s75i47*

    ;87:is. T8 3s 9 ss i4:i'+ '

    N4-ss '8 +4 ;74, 4*i4

    Uss '8 ;74, 4*i4 ; 4*3 585, 7554 s7s 74+ +4 + 743

    74s75i4s

    Uss '8 9 /4si: 4*i4 74s75i4 :i7 8i ;74, 7554

    F6:6=,@ U,r Pr4.6, /: A65:, O>6 B/

  • 7/24/2019 0geetha[1]

    35/44

    Q i4i ;7*745

    Ps45 9 ATM :3'8 (+4+74 4' 7s 7** ATMs 7 5445+)

    P/ii3 9 8#',

    97s 6'i46 74+ 8i68 s7:i46s i4s 7s

    Ai-54+ii4+ i4is

    Rs4si: ;74,i46

    B7s 00 s4+4s (M*i* s4ss)

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    ii3.

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  • 7/24/2019 0geetha[1]

    36/44

    B 47:i67i4 87 8i68*i68s 74+ s4s *:74 i497i4 i4

    C4/ 74+ 7 8 i68 i 4++

    B 544 7ii4i46 755+i46 *7i3 74+ ii3 9 75i4

    S45r6

    N4-74siss 74+ 44-ss + 87 83 +i+ 4 74s75 4*i4 ;57s

    C454s 7; 8 s5i3 9 8i ;74,i46 i497i4 is 4 9**3 7++ss+

    T584i57* 6*i58s 74+ 4*i7;i*i3 57 549si4 74+ 74/i3

    A++ii47* s5i3 67'73s ' 7;s4

    Sr764

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    M s:i5s ; 7:7i*7;* 4*i4

    B 74+ 97s 5s s 58744*s *i, 4*i4 587 s*: ;74,i46

    8+*s

    I44:7i: 74+ i4ii: i4975

    T8is is +i5+ i4 Fi6 ;*'.

    B/

  • 7/24/2019 0geetha[1]

    37/44

    B7s+ 4 5*i4 i475i4s ;9 74+ 79 8 s+is% ' 94+ 87

    ;74,s :i' 4*i4 ;74,i46 7s 74 i74 +i 9 s:i5i46 is 5s

    ;7s. 8i* 83 564i i 7s 7 +i5 5s s7:i46s% 83 + 4 45ss7i*3

    564i i 7s 7 i4 9 s:i5 74+ 845 + 4 6i: i 8 74i4 83 6i:

    5s s:i5 7 8 ;7458 '8 83 7, 67 7i4s s7is93 8

    5s% 74+ 7++ss 8 s7**s 9 ?is 54 i4 *i: ;74,i46.

    A si* /7* is 8i 58746i46 ;74,i46 i4*63 'i8 7*ii46 is

    i75 4 8 5s 87 574 *7: 74 7:76 5s ;799*+. A *7;* *i,

    E;4is N7i47* F4+s T74s9 is :3 549si46 9 8 5s.

    C8746i46 i 7 si* F4+s T74s9 +5s 549si4 74+ 7**'s 8

    5s 5* 8i 74s75i4. A48 /7* is s 9 7,i46

    6ii5,s s*i46 i4 *ss 9 s7;i*i3. I9 8 ;74,i46 7*s 87: 7 *i4,

    57**+ SMS A*% 84 5i4i46 7 sii*7 *i4, 57**+ I4s7-7* 4*3 s:s

    57 549si4. M743 ;74,s 87: 4' 4+s+ 87 4*i4 ;74,i46 is 8

    s73 74+ 87 83 4+ 67+ 74+ 48745 8i 99i46s 9 si*

    s*i4s 74+ +si+ s5i3 7i4 74+ 775 5ss. T83 7*s 4+

    564i 87 83 s 99 8 s7 54:4i45 74+ s:i5 87 *

    87: 5 /5 7 8 ;7458 7s '** 7s i4 8 77s 9 8i *i9 *i,

    s8i46 4*i4. P734 9 ?is ss i4:7i7;*3 6 868 8

    4*i4 ;74,i46 7*s. B74,s 4+ 7*s 4+s74+ 87 74sii4 9 7 4'

    s 74 7+:745+ 4 is 7 67+7* 5ss 87 4+s ; s+ ;3

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    54 '8 8 s is *9 94+ 9 8is*9#8s*9 7i+s si99 s7;i*i3

    ;7is 74+ 87 i 5ss 8. T8 74i4 83 755+ 8i 8 i4s 9

  • 7/24/2019 0geetha[1]

    38/44

    s:i5 7 89 +9i5i4 i4 4*i4. (S Fi6. D) Si46 8 87+'7 9

    4*i4 ;74,i46% '8i58 is :i'+ 7s 8 4+ i4 9 8 ;74, is 94 8

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    8 ;74,i46 i4+s3.

    F6= @ S:i5s 99+ :i7 :7is ;74,i46 58744*s

    D,6= L,,, /: R488:/6,

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    4+ 7s 9 s 74+ s358*6i57* 59 9 8 s 7s 94+747*

    ?i4s% 9 /7*% 6i:i46 9+;75, *i, 3 43 'i** ; 74s9+

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    s 7:7i*7;* 7 7** is. F8% i9 7 7s, 5*i4 5ss is i4ii:

    74+ *6i57*% 8 s is *i,*3 67i4 549i+45 74+ i457s s76 9 8

    i44 9 7** 8i ;74,i46 4+s% 8s i457si46 :4 4i7* 9 8

    ;74,. A4 4*i4 + 9 8 s:i5 is 74 7s3 '73 7++ss ;8 8 7s,

    54i5 47 9 ;74,i46 7s '** 7s 7++ss 8 59 *:* 9 8 'i+

    :7i3 74+ :7s 4;s 9 4:i5 ss. A4 /7* 9 5s 95s+

    4*i4 ;74,i46 '*+ ; s5i7*i+ ;74,i46 9 8 Is*7i5 54i3. I is 7

    86 ;si4ss 4i3. T 57i7*i 4 87 4i3% ;74,s s4+s74+ 74+ +si64 9 8i68*3 s5i7*i+ s ;87:i% /57i4s 74+

    5ii57* 7s5s 9 8 :7is Is*7i5 5*s. M743 Is*7i5 5*s 7

    /5i47**3 5**5i: i4 +5isi4-7,i46 74+ 4+ ; 545 74+

    is,-7:s. T8 is 7 'i+ :7i3 74+ *76 4;s 9 4:i5 ss 746

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    4*i4 ;74,i46. T83 /5 8i /i45 ; sii*7 '87 83 6 7 7

    s:i5 54. T8 497i*i7 :i7* /i45 5744 ; 5**3

  • 7/24/2019 0geetha[1]

    39/44

    +i994 9 8i 97i*i7 83si57* /i45. I4+i74 ss 87: s8'4 8i

    7+i4ss 755 4*i4 ;74,i46 7s 7 s7*s 58744* ;3 587si46 868

    5ss s**i46 4*i4. B 8is is ssi;* 4*3 i9 83 7 7;* 47:i67 8

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    : ;34+ +si64+ 584*63 s*i4s. O4*i4 ;74,i46 +si64 s

    57 7 @?i5, i4 74+ @ /i45% 4s s55ss i4 74s75i4s ss

    4+7,% 7s 5isi3 74+ 775 8 5s /*. S+3i46 ss%

    +9i4i46 s 3s% ;4587,i46 +si64s 74+ si46 9 7s 9 s 7

    5ii57* 9 8is. S5i9i5 4+s 89 7 5*7 7s, 9*'s% ;:i3 74+ 5*7i3

    9 *74676 74+ s% ;7si5 945i4s 7+ ;:is 7:76 ss 74+

    s 7:7i*7;* 7 7** is. Bsi+s s8- s*i4s% 8 *46-

    s763 4++ is 4

  • 7/24/2019 0geetha[1]

    40/44

    C4>5,6,@

    I is 5*7*3 i4 8 i4s 9 ;74,s 4576 8i 5s ;7s s

    4*i4 ;74,i46. C4 +si64s 9 4*i4 ;74,i46 s3ss + 4 7++ss ss

    4+s 74+ /57i4s 9 4*i4 ;74,i46. Us-54+ +si64 8+s 574

    758i: 8is. I44% 84% 7% s74s% ATM 74+ :isi 8 ;7458 7**

    4+ 77 7s 4 8*isi5 /i45 9 8 5s '8 is 743;+3.

    I4 I4+i7% ;74,i46% *i, s:7* 8 74s75i4s% 54i4s ; *7i4-;7s+

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    9 8i s i74 7sss 53; s75% 7 s7*ss% sss 9 74+

    s55ss9* /i45 is ss4i7*. si64 'i8 ss s55ss 7s 95s% 544

    4+s74+7;* ;3 743;+3% s+ 'i8 +s 74+ 8* +5

    i4ii+7i4% 'i**

  • 7/24/2019 0geetha[1]

    41/44

    5874is% 8 9*/i;i*i3 i4 8 5+i 7ssss4 5ss 74+ 8

    +i:si9i57i4 9 8 s5s 9 43 (/47* 55i7* ;'i46s%

    :7is *57* +; i4s4s) 5**5i:*3 'i** 58746 8 975s 87

    +i4 s:i:7*% 6'8 74+ 9i7;i*i3 i4 8is 5ii: i4+s3. F

    i4s745

    T8 +:*4 9 74 75i: 43 7, 'i** ii67 8 5ii:

    +is7+:7476s 7isi46 +73 9 8 7;s45 9 7 ;7458 4',. B7458

    4',s 'i** ; ?i+ i4 9 s s 7i* +5s% ; 4 7s 774s 7is s5s 9 *4+i46. C4s7i4s 4 *4+i46 'i** ; +i4+

    ;3 9i4745i7* s468% is, 7,i46 7;i*i3% 74+ 57i7* 78 874 ;3 8 7;i*i3

    7is s5s i4 74 i95 7,.

    4T8 67+7* +i*i4 9 8 54si +is5i*i4 'i** i: 755ss 9

    574is ;74,s 74+ :i5 :s7. T8 54si +is5i*i4 87s ;4 'i+*3

    iss+ ;3 ;74,s 74+ 87s +647+ i4 74 *+ ;3s 5*;> i4 7 *76 4;

    9 57ss. T8 7 s:7* i4s745s i4 54 37s 9 574is ;i46

    :4+ 4+*3 s7i4+ ;3 +i47i46 ;74,s 9 +:*i46

    *7i4s8i 'i8 ;74,s 9 8i 58i5.

    Cii: 7+:7476 746 ;74,s 'i** ; +i4+ ;3 :3 +i994

    975s i4 9.

    S76i5 95s As i4 8 ;si4sss% 8 545 9 5 5ii4 'i** ;

    i74 i4 ;74,i46. S 4i:s7* ;74,s> 73 /is ; 8 7

  • 7/24/2019 0geetha[1]

    42/44

    A+77;i*i3 Si 7*4 is 4 s99i5i4% 74+ 87s 4 :4 ss4i7*%

    4s s:i:7* 74+ 6'8 (8 +i4s7 s34+). Bi6 is 4 45ss7i*3

    ;7i9* - 7+77;i*i3 4' +5s% 5sss% 584*63% 7,s 74+5s 4+s 'i** ; 55i7*.

    Cs 99i5i453 Cii: sss 'i** 7*'73s *7+ +5*i4i46 76i4s .

    I4 87 :47*i3% *' 5s 7s i4 8 i4+s3 87: 74 ;:is

    7+:7476. T8 i45i7* 5ss i4 ;74,i46 7 *% iss 74+ 584*63.

    E758 9 8s i49*45 8 8s 74+ 8 *74 74+ 74> 674is7i4s 'i** ;

    8 'i44s.

    P+5i:i3 R*7+ 8is is 8 7;i*i3 ', s7*3. T8 577;i*i3

    874+* :*s 74+ 58746i46 5sss 99i5i4*3 74+ i4 7 5s 995i:

    744 'i** ; 55i7*.

    T584*63 A+i46% 7ssii*7i46 74+ i*4i46 7i7 584*63

    'i** si64i9i574*3 i49*45 5ii: s468s. T584*63 87s 7 ;7+

    s5 i75 7s i 7995s 5s% +5i:i3 74+ *. T8 45ssi3 74+

    i*i3 9 ;7458 4',s s ; s4 i4 8 54/ 9 8 ' 74+ 758 9

    584*63.

    P* Li, i4 7** 8 s:i5 i4+sis% 8 ?7*i3 9 * 'i** 94

    s 74 674is7i4 i4 74 4:i44 '8 +i994i7i4 ;7s+ 4

    +5% i5i46 74+ +*i:3 8+s 'i** ; 46*i6i;*.

    Ris, M74764 T8 7;i*i3 6' 74+ /74+ 'i** 7*s *i7*3 +4+

    4 8 ?7*i3 9 is,. A * 9 8 7

  • 7/24/2019 0geetha[1]

    43/44

    0%000 5 Rs J%000 5. I4 7 9 7,% 8 ?7*i3 9 is, 'i**

    +i4 755ss 94+s 7s '** 7s 8 9+ i5 +5s

    5ii:*3.

    Ai+i47* 58746s P87s i74 874 7** 8 8 975s is 8

    ?i4 9 7 9*/i;* i4+-s 4+s74+% 75i7 74+ 74i5i7 8

    58746s i4 8 7, *75 . A *76 7 9 8 ;74,i46 i4+s3 87s 9 *46

    ;4 54+ii4+ 8i4, i4 7 +i5+ 744 i4 74 4:i44 '8

    i44:7i4 '7s :i7**3 8i;i+.

    I4 7 54 s+3 4 ;74,i46 i4 6i46 7,s% T8 E54is 87+ s7i7*3 ?+ R7*8 7*+ Es4 7s s73i46 *74 6*63 8

    4i46 79 8 78?7,>. U4947*3% 8is 77s 7** 8i5 i4

    8 I4+i74 ;74,i46 s547i. P87s 8 4*3 ii67i46 975 is 87 ' 94

    :si7 8 s+ 9 58746 i4 I4+i7 74+ 845 ;74,s 'i** 87: i

    -i4 8i 7i+s 74+ s76is.

    CONCLUSION

    T8 7+i4 9 I44 ;74,i46 i4 I4+i7 'i** 87: is '4 7+:7476s ;8

    8 ;74,s 74+ 8 *i7 5ss. T8 s 9 i497i4 584*63 'i**

    4 4*3 +5 8 5ss 9 7i4 ; 7*s '*+ ; 995i:% 7s3

    7i47i4% s+i 74+ 8i68*3 5ii:. T8 ;74,s 5744 7i4 s74+99is8

    9 8is 545 9 I44 ;74,i46% 74+ 83 s8*+ ;i46 7si 58746s

    8 45ssiis 74+ 587**46s 9 I44 ;74,i46. T8 587**46s s+

    ;3 8 I44 ;74,i46 7 s*3 9 5+7* 47% '8i58 574 ; 7si*3

    54;7*745+ ;3 7+i46 si7;* 584*6i57* 74+ s5i3 7ss. T8

    +si5 s74+7+s 9 ;74,i46 87: ; i4 549i3 'i8 8 '**-,4'4

  • 7/24/2019 0geetha[1]

    44/44

    i447i47* s74+7+s 74+ i4 8 47 9 i447i47* +7*i46s 9 I4+i7

    '*+ ; 7 7*i3% '8i58 7 s4*3 4 *i;7* 468. N s3s

    i4sii4 574 8 ;4587, i 767i4s i447i47* s74+7+s 'i8

    7,i46 i7* s 9 584*63. T8 574 ; 4 +; 7; 8 4s

    4i7* 74+ 745i7+ 4iis 99+ ;3 7+:745s i4 584*63.

    H':% 8 7 -?isis 74+ 77i4s% '8i58 87: ; 7+

    ;9 8 9** ;49is 9 8 584*63 574 ; 87:s+.


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