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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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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
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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
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E;4is N7i47* F4+s T74s9 is :3 549si46 9 8 5s.
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6ii5,s s*i46 i4 *ss 9 s7;i*i3. I9 8 ;74,i46 7*s 87: 7 *i4,
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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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8 74s 87 7 *7 74+ s55ss9* i4 ;74,i46.
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;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
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s7is9i+ 5ss% +5s 5ss 74+ i457ss :4 is 3 ; 755+ ;3
8 ;74,i46 i4+s3.
F6= @ S:i5s 99+ :i7 :7is ;74,i46 58744*s
D,6= L,,, /: R488:/6,
B74,i46 is 7 7s,-95s+ 75i:i3 74+ 7*s +7*s 'i8 *s 43. B8
4+ 7s 9 s 74+ s358*6i57* 59 9 8 s 7s 94+747*
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s 7:7i*7;* 7 7** is. F8% i9 7 7s, 5*i4 5ss is i4ii:
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54i5 47 9 ;74,i46 7s '** 7s 7++ss 8 59 *:* 9 8 'i+
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4*i4 ;74,i46 '*+ ; s5i7*i+ ;74,i46 9 8 Is*7i5 54i3. I is 7
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5ii57* 7s5s 9 8 :7is Is*7i5 5*s. M743 Is*7i5 5*s 7
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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
;74, si. B74,s 4+ :i' 74+ 9*5 8is 868 8689* +si64s 9
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4+7,% 7s 5isi3 74+ 775 8 5s /*. S+3i46 ss%
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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,@
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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
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4+ 77 7s 4 8*isi5 /i45 9 8 5s '8 is 743;+3.
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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
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7/24/2019 0geetha[1]
41/44
5874is% 8 9*/i;i*i3 i4 8 5+i 7ssss4 5ss 74+ 8
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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
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;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
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*7i4s8i 'i8 ;74,s 9 8i 58i5.
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975s i4 9.
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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+
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584*63.
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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+.