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PresentationPresentation
OnOnStudying and analyzingStudying and analyzing
CompetitiveCompetitiveTrends in Direct SalesTrends in Direct Sales
LiabilitiesLiabilitiesFacilitated By:-
Prof. S. Suryanarayanan
Presented By:-
Lokesh Rajpal
PGDM
KH2007DMFC21
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ContentsContents
Research objective.
Overview of Banking industry.Introduction to HDFC Bank.
Corporate Salary Account.
Research Methodology.
Findings and Analysis.
Limitations.My learning.
Recommendations.
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Research ObjectivesResearch Objectives
Understand HDFCs Corporate Salary Account
features vis--vis key competitors like ICICI
Bank, Axis Bank etc.
Database generation.
Generating leads for HDFC.
To find out the perception about features of
Corporate Salary Account.
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Overview of Banking IndustryOverview of Banking Industry
1786 first bank in India- General Bank of India.
1806 The bank of Bengal.
1900s emergence of private banks- PNB, BOI,
ICICI, HDFC, AXIS etc.
1935 RBI came in existence.
1969 Nationalization of14 commercial banks.
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HDFC BankHDFC BankMission- To be a world class Indian bank.
Merger of TIMES Bank with HDFC Bank.
Acquisition of Centurion Bank of Punjab.
Become India's largest privately owned banking
network, boasting more than 1,150 branches and
2176ATMs.
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BusinessBusiness
Wholesale Banking.
Retail Banking.
Treasury.
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Types of Corporate Salary AccountTypes of Corporate Salary Account
Classic Salary Account.
Regular Salary Account.
Premium Salary Account.
Reimbursement Salary Account.
Defence Salary Account.
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Benefits of Corporate SalaryBenefits of Corporate Salary
Account To EmployerAccount To Employer
Reduces paperwork.
Saves remittance costs.
Employees receive instant credit of salaries.
More convenient than ECS.
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BenefitsOf
Corporate Salary
AccountTo
Employees
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1) Classic Salary Account.1) Classic Salary Account.
Zero balance account.
Interest @ savings bank rate applicable.
Free six monthly statements.
Free personalized cheque book.
Free ATM card.
Free Phone Banking.
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Contd..Contd.. FreeMobile Banking.
Free Net Banking.
Free Sweep-in-facility.
Full function free branch services.
Free inter-city/branch withdrawal limits on your ATM
card up to Rs. 10,000/- per day.
Withdrawal limits on your ATM Card up to Rs.
10,000/- per day.
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2)Regular Salary Account2)Regular Salary AccountZero balance account.
Interest @ savings bank rate applicable.
Free Quarterly statements.
Free personalized cheque book.
Free International Debit Card.
Free Phone Banking.
FreeMobile Banking.
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Contd..Contd..
Free Net Banking.
Free Sweep-in-facility.
Full function free branch services.
Free inter-city/branch banking.
Safe deposit lockers (Subject to availability).
Cash Delivery (at select locations).
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Contd..Contd..Cheque Pick-up (at select locations).
Loans at preferential rates offered by the bank.
Free DDs up to Rs. 25,000/- per instrument
payable at HDFC Bank branch locations.
Withdrawal limits on your International Debit
Card up to Rs. 15,000/- at ATMs and Rs.
25,000/- atMerchant Establishments per day.
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3) Premium Salary Account3) Premium Salary AccountZero balance account.
Interest @ savings bank rate applicable.
Free monthly statements.
10 free domestic transactions per month on all
VISA/Cirrus network ATMs.
Free personal insurance accident cover up to Rs.
2 lakh on the International Debit Card.
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Contd..Contd..
Withdrawal limits on your International Debit
Card up to Rs. 25,000/- at ATMs and Rs.
50,000/- atMerchant Establishments per day.
Free International Debit Card for life, free Add-
on-Debit Card free for life.
Free Bill Pay & Insta Alert facility.
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Contd..Contd..
Free Payable-at-Par cheques (on request).
Loans at preferential rates.
Silver & Gold Credit Cards at preferential
rates.
Free DDs up to Rs. 25
,000
/- per instrumentpayable at HDFC Bank branch locations.
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4)Reimbursement Salary A/c.4)Reimbursement Salary A/c.Easily distinguish between reimbursements and
basic monthly salary.
Choose from either your Salary Account or your
Reimbursement Account when withdrawing
cash from HDFC Bank ATMs.
Utilize Net Banking, Phone Banking and Mobile
Banking facilities.
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Contd..Contd..Receive half-yearly statements of all your
reimbursements, thus doing away with filing
individual receipts.
No need to maintain a minimum balance (Zero
Balance Account)
Receive a separate cheque book (on request) for
your Reimbursement Account.
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5)5)DefenceDefence Salary AccountSalary AccountZero balance account.
Interest @ savings bank rate applicable.
Free Quarterly statements.
Free personalized cheque book.
Free International Debit Card.
Free Phone Banking.
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Contd..Contd..FreeMobile Banking.
Free Net Banking.
Free Sweep-in-facility.
Full function free branch services.
Free inter-city/branch banking.
Safe deposit lockers (Subject to availability).
Cash Delivery (at select locations).
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Contd..Contd.. Cheque Pick-up (at select locations).
Discount on loans products offered by the bank.
Free DDs up to Rs. 25,000/- per instrument payable at HDFC
Bank branch locations.
Additional facility of PAP cheque book on specific customer
request.
Withdrawal limits on your International Debit Card up to Rs.
15,000/- at ATMs and Rs. 25,000/- at Merchant Establishments
per day.
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Research MethodologyResearch Methodology
Research design
Data collection sources.
Data collection techniques.
Data collection tools.
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FindingFinding
andand
AnalysisAnalysis
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Q:Q:--1) How many employees1) How many employees
work in your company?work in your company?
less than 1533%
15-50
35%
50-10010%
more than 10022%
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0
1
2
4
5
6
7
HDFC ICICI Standard
Chartered
Axis Citi Saraswat Co. Union Bank
of IndiaSeries1 6 7 2 2 1 1 1
Corporate with more than 100 employees.
QQ 2) Wh t i th t2) Wh t i th t
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Q:Q:--2) What is the net average2) What is the net average
salary?salary?
less than 750018%
7500-1500045%
15000-25000
22%
more than2500015%
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0
0.5
1
1.5
.5
3
3.5
4
4.5
5
HDFC ICICI Axis Canara HSBC
Corporate with avg. salary more than 25000.
Q:Q: 3) What is the mode of3) What is the mode of
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Q:Q:--3) What is the mode of3) What is the mode of
paymentpaymentto your employees?to your employees?
Cash9%
Cheque
33%alaryccount%
QQ 4) If h l4) If h l
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Q:Q:--4) If you have a salary4) If you have a salary
account then specify theaccount then specify thebankers name?bankers name?
HDFC20%
ICICI24%
Axis
4%
Other52%
3 5
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0
0.5
1
1.5
2
2.5
3
3.5
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Q:Q:--5) What made you to choose5) What made you to choose
the above mentioned Bank?the above mentioned Bank?Branch ro imity
ATM network5
E istingrelationship
47
Salary account4
Other
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Q:Q:--7) Are you satisfied with the7) Are you satisfied with the
services of your current banker?services of your current banker?ExtremelySatisfied
9%
Satisfied90%
Dissatisfied1%
QQ 8) W ld lik t h8) W ld lik t h
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Q:Q:--8) Would you like to change your8) Would you like to change your
current banker, if some additionalcurrent banker, if some additionalfeatures are provided?features are provided?
Yes
13%
No73%
an't ay1 %
Other1 %
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Companies with mode ofCompanies with mode of
payment Cash/payment Cash/ChequeCheque..
Name of Company Type of Account
1) Mech Marine Engine Pvt. Ltd. Premium
2) Roquette India Pvt. Ltd. Regular
3) Jyotika Enterprises Pvt. Ltd. Premium
4) Raymond & Co. Regular
5) Welgrow line Pvt. Ltd. Regular
6) Verifos Service Pvt. Ltd. Regular 7) Infinity Management Solution Pvt.
Ltd.
Regular
8) M.R. Technofin Pvt. Ltd. Regular
9) LGC Prochem India Pvt. Ltd Premium
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Companies that are notCompanies that are not
satisfied with HDFC Bankssatisfied with HDFC Banks
service and want to shift toservice and want to shift to
other bankother bank
Tulip edge Labs Pvt. Ltd.
UAExchange & financial services Pvt. Ltd.
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LimitationsLimitations
Time period.
Availability of concerned person.
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SWOT AnalysisSWOT Analysis
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StrengthsStrengthsNo. 1 private bank with maximum no. of
branches and ATMs.
Brand image.
Flexibility.
Features of product.
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WeaknessesWeaknessesMarginal international presence.
Less aggressive in implementation.
Lack of proper training to CSEs.
No regular brand promotion.
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OpportunitiesOpportunities
Growth of Indian economy.
More no. ofMNCs heading to India.
Semi-urban and rural market.
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ThreatsThreatsMore no. of global players entering Indian
banking industry.
High service charges.
Turn around time is high.
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RecommendationsRecommendationsProper training to CSEs.
Promotion through endorsement of Stars.
Branches abroad or tie-up with foreign banks.
ATMs near railway stations.
Belongingness to CSEs.
Go for more collaborations with offices like
HBL global Pvt. Ltd.
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ReferencesReferenceswww.hdfcbank.com
www.axisbank.com
www.icicibank.com
www.wikipedia.com
www.google.com
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Thank You.