RESEARCH Project ReportOn

Analysis of Product & Services ofHDFC BANK LTD.

SUBMITTED towards the fulfillment of the award ofPost graduate diploma in management to the greater Noida institute of

management greater Noida (u.p)Approved by AICTE,NEW DELHI

2011-2012

Under the guidance of Mr. K K Garg

Submitted by Anand raj

Roll no 102004

Gnit college of Management1KNOWLEDGE PARK, PHASEII, GREATER NOIDA

CERTIFICATE

This is to certify thatMr./Ms_______________________ is a student ofPGDM programme, of this institute hasundergone Research Project at_________________________ and completedhis/her Research Project Report on“_________________________________” as per therequirement of PGDM curriculum .

(Supervisor)

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ACKNOWLEDGEMENT

I express my gratitude towards, Mr Shruti Agrawal ,who gave me opportunity to complete

my Research Project. I am also thankful to him for providing me his able guidance,

valuable suggestions and for sharing his experiences with me without which this project

may not have been successful.

I would like to thank the staff of HDFC Bank who provided me with the data and valuable suggestions to successfully complete my project.

ANAND RAJ

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TABLE OF CONTENTS

TOPICS

1. Introduction to the topic.

2. Overview.

3. About the Company

4. Research Methodology

5. Product Range

6. Savings Account

7. Current Account

8. Fixed Deposit

9. Loans

10. Credit Cards

11. Private Banking

12. E-Age Banking

13. Debit Card

14. Value Added Services

15. Findings

16. Recommendation and Suggestion

17. Conclusion

18. Bibliography

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OBJECTIVE

1. The objective of the study is to get the knowledge of products and services

offered by the HDFC BANK in the fields of banking.

2. To get the knowledge of benefits & features of products and services of

HDEC BANK.

3. Analyzing the fields in which the bank can improve its performance.

4. How the bank is using the latest technological advancements in banking

industry to its advantage.

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COMPANY PROFILE

About - HDFC Bank Limited, India

The Housing Development Finance Corporation Limited (HDFC) was amongst the

first to receive an 'in-principle' approval from the Reserve Bank of India (RBI) to

set up a bank in the private sector, as part of the RBI's liberalization of the Indian

Banking Industry in 1994. The bank was incorporated in August 1994 in the name of

'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC Bank

commenced operations as a Scheduled Commercial Bank in January 1995.

Capital Structure

The authorised capital of HDFC Bank is Rs.450 crore (Rs.45 billion). The paid-up capital

is Rs.282 crore (Rs.28.2 billion). The HDFC Group holds 24.2% of the bank's equity while

about 13.1% of the equity is held by the depository in respect of the bank's issue of

American Depository Shares (ADS/ADR Issue). The Indian Private Equity Fund,

Mauritius (IPEF) and Indocean Financial Holdings Ltd., Mauritius (IFHL) (both funds

advised by J P Morgan Partners, formerly Chase Capital Partners) together hold about

5.5% of the bank's equity. Roughly 27.5% of the equity is held by FIIs, NRIs/OCBs while

the balance is widely held by about 214,000 shareholders. The shares are listed on The

Stock Exchange, Mumbai and the National Stock Exchange. The bank's American

Depository Shares are listed on the New York Stock Exchange (NYSE) under the symbol

"HDB".

Promoter

HDFC is India's premier housing finance company and enjoys an impeccable track record

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in India as well as in international markets. Since its inception in 1977, the Corporation has

maintained a consistent and healthy growth in its operations to remain a market leader in

mortgages. Its outstanding loan portfolio covers well over a million dwelling units. HDFC

has developed significant expertise in retail mortgage loans to different market segments

and also has a large corporate client base for its housing related credit facilities. With its

experience in the financial markets, a strong market reputation, large shareholder base and

unique consumer franchise, HDFC was ideally positioned to promote a bank in the Indian

environment.

Capital Structure

The authorised capital of HDFC Bank is Rs.450 crore (Rs.45 billion). The paid-up capital

is Rs.282 crore (Rs.28.2 billion). The HDFC Group holds 24.2% of the bank's equity while

about 13.1% of the equity is held by the depository in respect of the bank's issue of

American Depository Shares (ADS/ADR Issue). The Indian Private Equity Fund,

Mauritius (IPEF) and Indocean Financial Holdings Ltd., Mauritius (IFHL) (both funds

advised by J P Morgan Partners, formerly Chase Capital Partners) together hold about

5.5% of the bank's equity. Roughly 27.5% of the equity is held by FIIs, NRIs/OCBs while

the balance is widely held by about 214,000 shareholders. The shares are listed on The

Stock Exchange, Mumbai and the National Stock Exchange. The bank's American

Depository Shares are listed on the New York Stock Exchange (NYSE) under the symbol

"HDB".

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Business Focus

HDFC Bank's mission is to be a World-Class Indian Bank. The Bank's aim is to build

sound customer franchises across distinct businesses so as to be the preferred provider of

banking services in the segments that the bank operates in and to achieve healthy growth in

profitability, consistent with the bank's risk appetite. The bank is committed to maintain the

highest level of ethical standards, professional integrity and regulatory compliance. HDFC

Bank's business philosophy is based on four core values: Operational Excellence,

Customer Focus, Product Leadership and People.

TimesBank Amalgamation

In a milestone transaction in the Indian banking industry, TimesBank Limited (another new

private sector bank promoted by Bennett, Coleman & Co./Times Group) was merged with

HDFC Bank Ltd., effective February 26, 2000. As per the scheme of amalgamation

approved by the shareholders of both banks and the Reserve Bank of India, shareholders of

TimesBank received 1 share of HDFC Bank for every 5.75 shares of TimesBank. The

amalgamation added significant value to HDFC Bank in terms of increased branch

network, expanded geographic reach, enhanced customer base, skilled manpower and the

opportunity to cross-sell and leverage alternative delivery channels.

Distribution Network –

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HDFC Bank is headquartered in Mumbai. The Bank at present has an enviable network of

over 755 branches spread over 297 cities across the country. All branches are linked on on

online real-time basis. Customers in 90 locations are also serviced through PhoneBanking.

The Bank's expansion plans take into account the need to have a presence in all major

industrial and commercial centres where its corporate customers are located as well as the

need to build a strong retail customer base for both deposits and loan products. Being a

clearing/settlement bank to various leading stock exchanges, the Bank has branches in the

centres where the NSE/BSE have a strong and active member base.

The Bank also has a network of over 1762 networked ATMs across these cities. Moreover,

HDFC Bank's ATM network can be accessed by all domestic and international

Visa/MasterCard, Visa Electron/Maestro, Plus/Cirrus and American Express Credit/Charge

cardholders.

Management

Mr. Jagdish Capoor took over as the bank's Chairman in July 2001. Prior to this, Mr.

Capoor was a Deputy Governor of the Reserve Bank of India.

The Managing Director, Mr. Aditya Puri, has been a professional banker for over 25 years,

and before joining HDFC Bank in 1994 was heading Citibank's operations in Malaysia.

The Bank's Board of Directors is composed of eminent individuals with a wealth of

experience in public policy, administration, industry and commercial banking. Senior

executives representing HDFC are also on the Board.Senior banking professionals with

substantial experience in India and abroad head various businesses and functions.

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Technology

HDFC Bank operates in a highly automated environment in terms of information

technology and communication systems. All the bank's branches have connectivity which

enables the bank to offer speedy funds transfer facilities to its customers. Multi-branch

access is also provided to retail customers through the branch network and Automated

Teller Machines (ATMs).

The Bank has made substantial efforts and investments in acquiring the best technology

available internationally to build the infrastructure for a world-class bank. In terms of

software, the Corporate Banking business is supported by Flexcube, while the Retail

Banking business by Finware, both from i-flex Solutions Ltd. The systems are open,

scaleable and web-enabled.

The Bank has prioritised 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. In

each of its businesses, the Bank has succeeded in leveraging its market position, expertise

and technology to create a competitive advantage and build market share.

Business Profile

HDFC Bank caters to a wide range of banking services covering both commercial and

investment banking on the wholesale side and transactional / branch banking on the retail

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side. The bank has three key business areas :-

a) Wholesale Banking Services

The Bank's target market is primarily large, blue-chip manufacturing companies in the

Indian corporate sector and to a lesser extent, emerging mid-sized corporates. For these

corporates, the Bank provides a wide range of commercial and transactional banking

services, including working capital finance, trade services, transactional services, cash

management, etc. The bank is also a leading provider of structured solutions which

combine cash management services with vendor and distributor finance for facilitating

superior supply chain management for its corporate customers. Based on its superior

product delivery / service levels and strong customer orientation, the Bank has made

significant inroads into the banking consortia of a number of leading Indian corporates

including multinationals, companies from the domestic business houses and prime Public

Sector companies. It is recognised as a leading provider of cash management and

transactional banking solutions to corporate customers, mutual funds, stock exchange

members and banks.

b) Retail Banking Services

The objective of the Retail Bank is to provide its target market customers a full range of

financial products and banking services, giving the customer a one-stop window for all

his/her banking requirements. The products are backed by world-class service and

delivered to the customers through the growing branch network, as well as through

alternative delivery channels like ATMs, PhoneBanking, NetBanking and MobileBanking.

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The HDFC Bank preferred program for high net worth individuals, the HDFC Bank Plus

and the Investment Advisory Services programs have been designed keeping in mind needs

of customers who seek distinct financial solutions, information and advice on various

investment avenues. The Bank also has a wide array of retail loan products including Auto

Loans, Loans against marketable securities, Personal Loans and Loans for Two-wheelers.

It is also a leading provider of Depository Services to retail customers, offering customers

the facility to hold their investments in electronic form.

HDFC Bank was the first bank in India to launch an International Debit Card in association

with VISA (VISA Electron) and issues the Mastercard Maestro debit card as well. The

debit card allows the user to directly debit his account at the point of purchase at a

merchant establishment, in India and overseas. The Bank launched its credit card in

association with VISA in November 2001. The Bank is also one of the leading players in

the "merchant acquiring" business with over 25,000 Point-of-Sale (POS) terminals for

debit / credit cards acceptance at merchant establishments. The Bank is well positioned as

a leader in various net-based B2C opportunities including a wide range of internet banking

services for Fixed Deposits, Loans, Bill Payments, etc.

c) Treasury Operations

Within this business, the bank has three main product areas - Foreign Exchange and

Derivatives, Local Currency Money Market & Debt Securities, and Equities. With the

liberalisation of the financial markets in India, corporates need more sophisticated risk

management information, advice and product structures. These and fine pricing on various

treasury products are provided through the bank's Treasury team. To comply with statutory

reserve requirements, the bank is required to hold 25% of its deposits in government

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securities. The Treasury business is responsible for managing the returns and market risk

on this investment portfolio.

Rating

HDFC Bank has its deposit programmes rated by two rating agencies - Credit Analysis &

Research Limited (CARE) and Fitch Ratings India Pvt. Ltd. The Bank's Fixed Deposit

programme has been rated 'CARE AAA (FD)' [Triple A] by CARE, which represents

instruments considered to be "of the best quality, carrying negligible investment risk".

CARE has also rated the Bank's Certificate of Deposit (CD) programme "PR 1+" which

represents "superior capacity for repayment of short term promissory obligations". Fitch

Ratings India Pvt. Ltd. (100% subsidiary of Fitch Inc.) has assigned the "tAAA (ind)"

rating to the Bank's deposit programme, with the outlook on the rating as "stable". This

rating indicates "highest credit quality" where "protection factors are very high". HDFC

Bank also has its long-term unsecured, subordinated (Tier-II) Bonds rated by CARE and

Fitch Ratings India Pvt. Ltd. CARE has assigned the rating of "CARE AAA" for the Tier-II

Bonds while Fitch Ratings India Pvt. Ltd. has assigned the rating "AAA (ind)" with the

outlook on the rating as "stable".

RESEARCH METHODOLOGY

Research Methodology is a way to systematically solve the problem.

It may be understood as a science of studying how research is done scientifically. In it we

study the various steps that are generally adopted by the researcher in studying his research

problem along with logic behind them . it is necessary for the researcher to know not only

the research methods/techniques but also the methodology used. Researchers not only need

to know how to develop certain indices or tests , how to calculate mean or median or

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mode, how to apply particular research techniques but must also know which of these

methods or techniques are relevant and what would they mean and indicate and why.

Research process consists of series of actions or steps necessary to effectively

carry out the research.

RESEARCH DESIGN :

The function of research design is to provide for collection of relevant evidence with

minimal expenditure of time effort and money. I followed the census method as I did daily

route riding along with the executives and the salesmen. I got opportunity to meet and

interact with each one of the customers. and closely came to know specific need of the

promotion of product of hdfc bank in the market as a whole. I covered the distribution area

under KHURJA region..

Under the supervision I got number of relevant data from on spot inspection and personal

observation.

RESEARCH METHODOLOGY

Research methodology forms an important part of any research project. It is a way to

systematically solve the research problem. Two considerations for research methodology

under research report are

(1) RESEARCH DESIGN.

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(2) SECONDARY DATA.

Research Design

The function of research design is to provide the collection of relevant evidence with

minimal expenditure of efforts, time & money. The research design used here is

exploratory in nature, very flexible & judgmental in order to study the products and

services provided by the HDFC BANK LTD.

Secondary Data

Secondary data consists of the information that already exists somewhere & has been

collected for a different purpose. My secondary data sources for the research project were

Internet

HDFC

PRODUCT OF HDFC BANK AT A GALANCE :-

Savings Accounts:- Current Accounts:-

1. Regular Savings Account Plus Current Account

2. Savings Plus Account Trade Current Account

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3. SavingsMax Account Regular Current Account

4. Senior Citizens Account Max Current Account

5. Institutional Savings Account Premium Current Account

6. Kid's Advantage Account

7. Family Savings Group

8. Pension Saving Bank Account

9. Defence Salary Account

Fixed Deposits:- LOANS:-

1. Regular Fixed Deposit Personal Loans

2. 5 Year Tax Saving Fixed Deposite Home Loans

3. Sweep-in Facility Two Wheeler Loans

4. Super Saver Facility New Car Loans

Used Car Loans

Educational Loan Loan Against Securities

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Loan Against Property

Tractor Loans

Health Care Finance

DEBIT CARDS:-

Debit CardsEasyShop International Debit CardEasyShop Gold Debit CardEasyShop International Business Debit CardEasyShop Woman's Advantage Debit CardEasyShop NRO Debit Card Kisan Card

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Credit Cards :-

Credit CardsSilver Credit CardValue Plus Credit CardGold Credit CardTitanium Credit CardWoman's Gold Credit CardPlatinum Plus Credit CardVisa Signature Credit Card World MasterCard Credit Card Corporate Credit CardBusiness Credit Card

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Payment Services:-

NetSafeMerchant ServicesPrepaid RefillBillPayVisa BillPayInstaPayDirectPayVisa Money Transfere-Monies Electronic Funds TransferExcise & Service Tax Payment

Online Payment

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SAVING ACCOUNTS:-

Presenting the only e-Age Savings Account that keeps pace with your growing needs. It is a unique savings account in India, which helps you withdraw or deposit cash through wide network of branches and ATMs across India. Enjoy the comforts of FREE PhoneBanking, MobileBanking and NetBanking from practically anywhere, anytime with your savings account.

Use your International Debit Card to shop at over 80 lakh establishments in 140 countries. Pay your electricity, mobile phone and telephone bills through the phone, Internet or the ATM with the unique BillPay Facility. All this is yours for a minimum balance of just Rs. 5000/-.

TYPES OF SAVING ACCOUNT:-

1.REGULAR SAVING ACCOUNT:-2. SAVING PLUS ACCOUNT3. SAVING MAX ACCOUNT4.SENIOR CITIZEN ACCOUNT5.INSTITUTIONAL SAVING ACCOUNT6.FAMILY SAVING GROUP ACCOUNT7. Defence Salary Account8. Pension Saving Bank Account.

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An easy-to-operate savings account that allows you to issue cheques, draw Demand Drafts and withdraw cash. Check up on your balances from the comfort of your home or office through NetBanking, PhoneBanking and MobileBanking. Need money urgently? Withdraw cash from any of the 2526 ATM centres spread across the country.

Features & Benefits:-

Wide network of branches and over thousand ATMs to meet all your banking needs no matter where you are located.Bank conveniently with facilities like NetBanking and MobileBanking- check your account balance, pay utility bills or stop cheque payment, through SMS.Never overspend- Shop using your International Debit Card that reflects the actual balance in your savings account.Personalised cheques with your name printed on each cheque leaf for enhanced security.Take advantage of BillPay, an instant solution to all your frequent utility bill payments. Instruct for payment overthe phone or through the Internet.Avail of facilities like Safe Deposit Locker, Sweep-In and Super Saver facility on your account.3 Free transactions on SBI/Andhra Bank ATMs per month.Free Payable-at-Par chequebook, without any usage charges upto a limit of Rs.50,000/- per month.Free InstaAlerts for all account holders for lifetime of the account.Free Passbook facility available at home branch for account holders (individuals

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Introducing the best banking option for you with HDFC Bank Savings Plus Account. Now you can get access to some of the finest banking facilities with HDFC Bank's Savings Plus Account. All you have to do is maintain an Average Quarterly Balance of Rs. 10,000/- and experience the benefits as mentioned below:

Features & Benefits:-

Wide network of branches and over thousand ATMs to meet all your banking needsno matter where you are located.5 Free transactions on any other Bank's ATM per monthFree International Debit Card for all account holders for life time of the account.Free Payable at Par (PAP) chequebook without any usage charges upto a limit of 50,000 per month.*Free Demand Drafts on HDFC Bank locations, upto a limit of 25,000/- per day.Free BillPay & InstaAlerts for all account holders for lifetime of the accountFree Electronic Funds Transfer facility, NetBanking, PhoneBanking & MobileBankingSpecial relationship discount on purchase of Gold Bars25%-off on the Locker rental for the 1st year (only).Intercity Banking / Multi-city Banking.Free Passbook facility available at home branch for account holders (individuals).Free Email Statement facility.

Welcome to a world of convenience. Presenting SavingsMax account, loaded with maximum benefits to make your banking experience a pleasure. By maintaining anaverage quarterly balance of just Rs. 25,000/- you get a host of premium services from HDFC Bank absolutely free*.

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Features & Benefits:-Free unlimited transactions: Cash withdrawal and balance enquiry, at all HDFC Bank ATMs & on any other Bank's ATM using your HDFC Bank Debit Card. Free Gold Debit Card for primary account holder for lifetime of the account. Gold Debit Card for other account holders at Rs 250/- p.a.Free Woman's Advantage/International Debit Card for all account holders for lifetime of the account.Free Payable-at-Par (PAP) chequebook, without any usage charges upto a limit of 1 lac per month.*Free Demand Drafts on HDFC Bank locations, upto a limit of 50,000/- per day at home branch.Self/Third Party Cash Deposit/Withdrawal at non-home branches, upto Rs 50,000/-per day free. Above Rs 50,000 a charge of Rs 2.90 per thousand on the full amount would be applicable.Optional sweep out facility to transfer extra savings to a Fixed Deposit, at the threshold of Rs.50,000/-.In the event of the balance in SavingsMax account exceeding Rs 50,000/-, the amount in excess of Rs 50,000/- will be swept out in to a Fixed Deposit with a minimum value of Rs 25000/- for a 1year 1day period.Free BillPay & InstaAlerts for all account holders for lifetime of the account.Free Monthly Statement of Account.50% off on the Locker rental for the 1st year only.Folio maintenance charges on Demat account free for first year.Free National Electronic Funds Transfer facility, NetBanking, PhoneBanking & MobileBanking.

HDFC Bank appreciates your needs and endeavours, which is why, we present anaccount especially dedicated to you, which like a dutiful child will help you fulfill your needs in the best manner possible.

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Features & Benefits:-

Given below are some of the exclusive privileges you can look forward with the Senior Citizens Accounts

Shop with pride with your EasyShop International Debit Card offered free for life to the first applicant. Shop (Point Of Sale limit) upto Rs.25,000/- per day.Enjoy an enhanced cash withdrawal limit of Rs.25,000/- per day on the Debit Card for withdrawals at any HDFC Bank ATM. You need not search for an HDFC Bank ATM, you can avail of 3 free cash withdrawal transactions per month at any other bank ATM.Payable-at-Par (PAP) chequebooks are issued free. With this facility, outstation cheques issued by you (for clearing) will be treated as local cheques, at any HDFC Bank location.What's more, enjoy free PAP usage upto Rs.50,000/- per month. A nominal charge of Re.1/- per 1000 will apply above Rs.50,000/- on the full amount.Keep a close eye on your account with the monthly account statements offered free ORAvail of free Passbook facility at your account branch.Use the third party cash transaction facility at non-account branches, to have your near and dear ones deposit / withdraw cash upto Rs.50,000/- per day on your behalf for free. Above Rs 50,000 a charge of Rs 2.90/- per 1000 on the full amount would be applicable. Use our PhoneBanking, MobileBanking and NetBanking facilities offered free to reach us with ease.Avail free SMS alerts to know the transactions in your account.Free Email Statement facility and National Electronic Funds Transfer facility available.

A specially designed account that offers twin benefits of a savings as well as a current account. Your funds continue to earn you interest while you enjoy hassle-free banking & a host of other features. All this and more in a Zero Balance account!

Features & Benefits:-Zero balance accountPayable at Par chequebook facility Free: You can now use your PAP chequebook at any of HDFC Bank locations (through Clearing only) without any charge.Avail of Free Outstation Cheque Collection at HDFC Bank locations across the country. You can also avail of special rates for outstation cheque collection at non-HDFC Bank locations.Enjoy unlimited DDs on HDFC Bank locations Free.

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Carry out cash transactions at any HDFC Bank branch. Third party cash transactions up to Rs.50,000/ - per day Free.Get monthly account statements Free.Avail special discounts on Foreign exchange transactions.Bank from home using our 24-hour NetBanking & PhoneBanking service.Collect fees, donations online using our Payment Gateway facility.Invest your surplus funds smartly! Get valuable investment advice from our monthly newsletter absolutely Free.

Children these days are way ahead of their times. Make sure your investments don't fall short. Now through HDFC Bank's Kid's Advantage Account you can ensure your child's secured future and fulfill all his dreams in time. The Kid's Advantage Account presents you a great way to accumulate savings for your child and provide him the head-start required to succeed in life. It's an account which grows with your child to meet his future monetary requirements.

Features & Benefits:-For their Growing Needs

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Free Education Insurance cover of Rs. 1,00,000/- in the event of death of the parent / guardian through vehicular accident by road, rail or air to safeguard the future of your child.ATM/International Debit Card will be issued for children between 7-18 years of age in the child's name with your permission. The amount your child is able to withdraw is Rs. 1,500/- at ATMs or spend Rs. 1,000/- at merchant locations.Your child need not even search for an HDFC Bank ATM. He/she can make 3 cash withdrawal transactions from SBI/Andhra Bank ATMs per month, absolutely free.Free Personalised cheque book for your child.Monitor the transactions of your child's account with the free quarterly physical statement of account or free monthly Email Statement of account.Free NetBanking for you to monitor your child's account.Free SMS/Email alerts informing you about the account transactions.

For their Secured FutureOpt for standing instruction to transfer any amount from your account to your Kid's Advantage Account every month (Minimum value = Rs. 500/- & Minimum tenure = 1 year).Once the balance in the Kid's Advantage Account reaches/exceeds Rs. 10,000/-, the amount in excess of Rs. 5,000/- will automatically be transferred into a Fixed Deposit for 1 year 1 day, in your child's name, by signing in for our sweep-out facility.You can also opt for systematic investments in mutual funds from the Kid's Advantage Account in your child'sname.

What's more, all the above facilities come absolutely FREE

The Family Savings Group links together upto four individual HDFC Bank accounts (same family) under a single group. Take advantage of the group Average Quarterly Balance (AQB) and operate your individual accounts without worrying about minimum balance

Features & Benefits:-

All account holders can operate their account freely without worrying about their minimum balance.Family members with NRI status can also be part of the group.Get 5 Free Cash withdrawal transactions on SBI ATMs per group per month.Upto 2 free DD's/ MC's on HDFC Bank locations per account per month (max. up to Rs. 25,000/- per instrument per day).Free International Debit Card for all account holders till the account is part of the Family group. (NRO Accountswill be issued only ATM cards)Free BillPay & InstaAlerts facility for all account holders till the account is part of the Family Group.Free Standing Instructions for investment into Mutual Funds.Free OneView to access all your accounts.Free MobileBanking, NetBanking & PhoneBanking.

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Enjoy a Savings account to Savings acount sweep-in to a nominated account (sweep-in to NRE accounts not permitted from resident / NRO accounts).Payable-at-par facility at a nominal cost for all accounts in the family group.****Available only on request at the branch.Cash delivery @ Rs. 50/- per delivery***Free Passbook facility available at home branch for account holders (individuals). Free Email statements .

HDFC BANK is one of the leading Depository Participant (DP) in the country with over 8 Lac demat accounts.

HDFC Bank Demat services offers you a secure and convenient way to keep track of your securities and investments, over a period of time, without the hassle of handling physical documents that get mutilated or lostin transit.

HDFC BANK is Depository particpant both with -National Securities Depositories Limited (NSDL) and Central Depository Services Limited (CDSL)

Features & Benefits:-

As opposed to the earlier form of dealing in physical certificates with delays in transaction, holding and tradingin Demat form has the following benefits :

Settlement of Securities traded on the exchanges as well as off market transactions.Shorter settlements thereby enhancing liquidity.Pledging of Securities.Electronic credit in public issue.Auto cerdit of Rights / Bonus / Public Issues / Dividend credit through ECS.Auto Credit of Public Issue refunds to the bank account.No stamp duty on transfer of securities held in demat form.No concept of Market Lots.Change of address, Signature, Dividend Mandate, registration of power of attorney, transmission etc. can beeffected across companies held in demat form by a single instruction to the Depository Participant (DP).Holding / Transaction details through Internet / email.

Secured & easy transaction processing

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HDFC Bank Ltd provides convenient facility called 'SPEED-e' (Internet based transaction) whereby account holder can submit delivery instructions electronically through SPEED-e website (https://speed-e.nsdl.com). SPEED-e offers secured means of transaction processing eliminating preparation of instruction slips and submission of the same across the counter to the depository participant. The 'IDEAS' facility helps in viewing the current transactions and balances (holdings) of Demat account on Internet on real time basis.

Salary Account

When your company opts for the HDFC Bank Corporate Salary Account programme, you get more than just a Savings Account. You get a superior banking experience plus a host of value-added services. And an e-Age banking account that is accessible 24 hours a day, 7 days of the week, 52 weeks of the year. Through free NetBanking, MobileBanking, PhoneBanking facilities, wide network of ATMs and branches across the country.

You and your colleagues get the convenience of having your salaries credited directly, a free International Debit Card, Overdraft facility, plus free Demand Drafts* and preferentialinterest rates on Personal Loans

Defence Salary Account

When you opt for the HDFC Bank Defence Salary Account programme, you get more than

just a Savings Account. You get a superior banking experience plus a host of value-added

services. And an e-Age banking account that is accessible 24 hours a day, 7 days of the

week, 52 weeks of the year. Through free NetBanking, MobileBanking, PhoneBanking

facilities and over 1054 ATMs and 455 branches in 207 cities across the country.

You can get the convenience of having your salaries credited directly, a free International

Debit Card, free collection of outstation cheques, plus free Demand Drafts and preferential

interest rates on Personal Loans.

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Pension Saving Bank Account.

The Central Government Civil Pension Scheme operated by the Central Pension

Accounting Office (CPAO) and Employees Pension scheme 1995 under Employees

Provident Fund Organisation (EPFO) have appointed HDFC Bank as Pension

Disbursement Agency. This Pension Saving Bank Account is operational from all the

Branches of the Bank throughout the country.

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CURRENT ACCOUNT:-

In today's fast-paced business, you frequently need to transfer funds in and across cities,

and time is of the essence. HDFC Bank Plus Current Account gives you the power of inter-

city banking with a single account.

From special cheques that get treated at par with local ones in any city where we have a

branch, to free inter-branch transfers of up to 100 lakhs, our priority services have become

the benchmark for banking efficiency.

TYPES OF CURRENT ACCOUNT:-

1. Plus Current Account2. Trade Current Account3. Premium Current Account4. Regular Current Account5. Max Current Account

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In today's fast-paced world, your business regularly requires you to receive and send funds to various cities in the country. HDFC Bank Plus Current Account gives you the power of inter-city banking with a single account and access to more than 444 cities.

From special cheques that get treated at par with local ones in any city where we have a branch, faster collection of outstation cheques (payable at branch locations), free account to account funds transfer between HDFC Bank accounts to Free inter-city clearing of up to 100 lakhs per month, our priority services have become the benchmark for banking efficiency.

Plus Current Account requires you to maintain an average quarterly balance of Rs. 100,000.

Features & Benefits:-Free Account to account funds transfer between HDFC Bank accountsFree payment and collection through RTGS.Free payment and collection using NEFT (through Netbanking)Free up to 50 Demand Drafts per month and can be issued from any HDFC Bank BranchFree up to 50 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch.Free anywhere collection & payment transactions (clearing) within HDFC Bank branch network (except Dahej),up to Rs.100 lacs per month.Convenience to withdraw & deposit cash at all our branches*300 "At Par" cheque leaves free per month.Register for InstaAlert service and receive updates on your account as and when the select transaction happens - all this without visiting the branch or ATM!HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash& Cheque Pickup and Cash Delivery, through a reputed agency.Enjoy facilities like 24-hour Phone Banking, Net Banking and Mobile Banking that helps you check your balance & transaction details, find out the status of your cheque or stop cheque payment.

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A Current account is ideal for carrying out day-to-day business transactions. With the HDFC Bank Regular Current Account, you can access your account anytime, anywhere, pay using payable at par cheques or deposit cheque at any HDFC bank branch. It also facilitates FREE NEFT transactions & FREE RTGS collections for faster collections in your account. Regular Current Account requires you to maintain an averagequarterly balance of only Rs. 10,000.

With a vast network of branches in cities all over the country, and access to a multitude of ATM's, you can keep track of all your transactions anytime

Features & Benefits:-Convenient inter-city banking :Deposit your local cheques in one branch of a city and have it credited to your account at a branch in another city or make payments across HDFC Bank locations using PAP cheque facility at a nominal rate Free payments and collections through NEFTFree RTGS collection. RTGS payment @ Rs.100/- per transactionInter-city Account to accounts funds transfer between HDFC Bank accounts at a nominal charge of Rs.15/- per transactionsFree Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- at flat cost of Rs.40/-. DDs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- .Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- . Payable at par cheque book at nominal price.Register for InstaAlert service and receive updates on your account as and when the select transaction happens - all this without visiting the branch or ATM!HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash& Cheque Pickup and Cash Delivery, through a reputed agency.Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking that helps you check your balance & transaction details, find out the status of your cheque or stop cheque payment.

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Presenting maximum benefits and minimum hassles for you with Max Current Account! With a Rs. 5 lakhs average quarterly balance requirement, we present to you a world of privileges that helps your business expand and grow. Features like maximum free transaction limits including other beneficial features on this current account truly enhances your business potential to the MAXimumFeatures & Benefits:-

Maximum transactional benefits with faster mobilisation of fundsAverage quarterly balance requirement of Rs. 5,00,000/-Access to more than 750 branches Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation chequesFree Account to Account funds transfer between HDFC Bank accountsFree payment and collection through RTGSFree payment and collection using NEFT (through NetBanking)Free Demand Drafts which can be issued from any HDFC Bank branchFree Pay Orders which can be issued from any HDFC Bank branchFree anywhere collection & payment (clearing) upto Rs. 5 Crore per month within HDFC Bank branch network (except Dahej)Convenience to withdraw and deposit cash at all our branches*Free cash deposit upto Rs. 50 Lakh per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash deposit at a non home branch)Choice of local / Payable at Par cheques. 500 leaves free per monthRegister for InstaAlert service and receive updates on your account as and when the select transaction happens - all this without visiting the branch or ATM!HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash& Cheque Pickup and Cash Delivery, through a reputed agency.Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking that helps you check your balance and transaction details, find out the status of your cheque or stop cheque payment.

Premium Current Account

Your business needs a partner who can manage your finances while you concentrate on

growing your business. Making your funds easily accessible wherever your business

expands.

Introducing the HDFC Bank Premium Current Account

A Current Account with the benefits of accessing your account from a large network of

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branches, and through direct access channels - the phone, mobile, Internet and through the

ATM.

Enter into a profitable relationship and access all the privileges flowing your way.

Reimbursement Current Account

Introducing the HDFC Bank Reimbursement Account . It completely eliminates the

necessity of counting and recounting cash, and the tedious paperwork and receipts

involved. For those employees who already have Salary Accounts with us, all you do is

open a Reimbursement Account and simply ask your company to credit the cash payments

directly into the account.

It"s as easy as that. You will appreciate its numerous benefits too. For instance, no more

worries about carrying large amounts of cash around with you. Since it is separate from the

Salary Account, it"s also so much easier for you to maintain and track all the cash

payments in the Reimbursement Account. And with HDFC Bank"s world-class banking

services and facilities, you can access the account, anytime and from anywhere in the

world

FIXED DEPOSIT:-Urgent needs never announce themselves. But you always have to be prepared for them.

What better way to save than a Fixed Deposit in HDFC Bank, a leading private sector bank

in India? Browse on and learn how you can get the most out of an HDFC Bank Regular

Fixed Deposit.

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Yes it's true. Now you can actually have a combination of a Fixed Deposit and a Savings

or Current Account. With the Super Saver Account from HDFC Bank. You can enjoy an

overdraft facility of up to 75% of your Fixed Deposit funds without breaking the Fixed

Deposit or losing interest on it.

What's more, this account has high interest of a Fixed Deposit and the liquidity of a

Savings or Current Account as well. This along with a host of other benefits is available to

you with our Super Saver Account.

Now make the most of having a Fixed Deposit Account linked to a zero balance Savings

Account/Current Account. The Sweep-In facility gives you the high interest rates of a

Fixed

Deposit and the liquidity of a Savings Account/Current Account.

So when you need funds urgently it is transferred from your Fixed Deposit to your account

automatically. This also lessens the possibility of a cheque being returned due to

insufficient funds. The Sweep-In Account gives you this and a host of other benefits.

Do you wish to avoid taking overdrafts, and still take advantage of your Fixed Deposits? Then what you need is a Sweep-In Facility on your savings account.Link your Fixed Deposit to your Savings or Current Account and use it to fall back on in case of emergencies.

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A deficit in your Savings or Current Account is taken care of by using up an exact value from your Fixed Deposit. Since deposits are broken down in units of Re 1/-, you will lose interest only for the actual amount that has been withdrawn.

Features & Benefits:-

Choose between a Savings Account or Current Account to link to your Fixed Deposit.Earn higher interest on the money till it is swept-in, while the remaining Fixed Deposit continues to earn you interest.Only an exact amount required to make up for the deficit in the Savings account is withdrawn from your Fixed Deposit (units of Re. 1/-) thereby minimising interest loss.Multiple deposits can be linked to the Savings account.Flexibility in altering the period of deposit, maturity and payment instructions, principal amount and rollover mode.You can avail of both, a SuperSaver Facility as well as a Sweep-In Facility if you have linked your deposits to aSavings Facility.Senior citizens enjoy a higher rate of interest on their Fixed Deposits.Avail an International Debit card and a Free cheque book on your Sweep-in Savings account.

If you believe in long-term investments and wish to earn higher interests on your savings, NOW is the time to invest your money in our Fixed Deposit. Get upto 10.50% on HDFC Bank Fixed Deposit with an additional 0.50% for Senior Citizens. What's more NO PENALTY if you withdraw part of the FD in times of need.Flexibility, Security and High Returns all bundled into one offering. Check out the rates and book an FD TODAY!! NetBanking Users can login and book their Fixed Deposit online immediately.

Features & Benefits:-

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Potential to earn compound interest by reinvesting the principal amount along with the interest earned during the period.No penalty for premature withdrawal.Flexibility in altering period of deposit, maturity and payment instructions, principal amount and rollover mode before maturity of the rollover deposit.Higher rate of interest on Fixed Deposits for Senior Citizens.

HDFC BANK LOANS:-

Loans for every need Now, our loans come to you in easy-to-pay monthly instalments, and are available with easy documentation and quick delivery.

TYPES OF LOANS;-

1. Personal Loans

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2. Home Loans

3. Two Wheeler Loans

4. Used Car Loans

5. New Car Loans

6. Educational Loan

7. Loan Against Securities

8. Loan Against Property

9.. Tractor Loans

10. Commercial Vehicle Finance

A dream vacation?Son's admission to a medical college?Daughter's wedding?Whatever the occasion, our range of Personal Loans can help. The procedure is simple, documentation is minimal and approval is quick

Features & Benefits:-

Borrow up to Rs 15,00,000 for any purpose depending on your requirements.Flexible Repayment options, ranging from 12 to 60 months.

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Repay with easy EMIs.One of the lowest interest rates.Hassle free loans - No guarantor/security/collateral required.Speedy loan approval.Convenience of service at your doorstep.Customer privileges

If you are an HDFC Bank account holder, we have special rates for you.

If you are an existing Auto Loan customer with a clear repayment of 12 months or more from any of our approved financiers or us, you can get a hassle free personal loan (without income documentation).

If you are an existing HDFC Bank Personal Loan customer with a clear repayment of 12 months or more, we can Top-Up your personal loan.

Personal Accident CoverIn order to ensure that your family is taken care of we also offer a Personal Accident cover of Rs.2,00,000 at a nominal premium.*

Fastrack your loan with our attractive car loan plansAuto Loan Takeover PlanIf you are a salaried individual holding any of the credit cards mentioned below, your loan gets processed faster.

Requirements:-

Facility is available to only HDFC bank account holders (CASA).

All terms and conditions applicable for the used car product are applicable for the Loan take over product. Minimum 9 month old loan with any approved Financier with clear repayment track record

Advantage platinum Credit Card PlanIf you are a salaried individual holding any of the credit cards mentioned below, your loan gets processed faster.

Requirements:

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Your card has to be atleast one year old.

You need to submit the last two billing statements.

Small cars, normal funding up to three years.

Funding on premium cars restricted to 70% under this plan.

The plan does not include multi-utility vehicles.

Contract copy and salary slip of NRI.Endorsement on passport for last 3 years.Proof of ownership of property.Post-dated cheques must be from the resident account of the borrower.

No Income-Document Loan PlanNow, you can get a car loan without proof of income.

Under this scheme, you get the loan amount up to 60% of the car invoice value.The tenure of loan can be a maximum of 3 years.

100% Loan Plan with Fixed Deposit LienThis allows you to take a loan against your deposit at HDFC Bank.

100 CC?180 CC?Or maybe a 500 CC?Whichever the bike, our Two Wheeler loan is the answer. With quick approvals, flexible payment options and easy repayment - we'll help you buy the bike you desire.

Features & Benefits:-

Flexible repayment options, ranging from 12 to 48 months available even at the point of purchase.Repay through post-dated cheques with easy EMIs. Calculate your EMI.Hassle free loans - No guarantor required.Speedy loan approval.Available for almost all models at attractive interest rates.Free gifts from time to time on approval of your Two Wheeler Loan. (Watch this space for more details on the free gift promotion).Special Schemes to suit your needs

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· FastTrack - If a spot approval is what you need, this highly flexible scheme gets you a loan of up to 70% withminimum interest rates.

· EasyLoan - This great scheme gets you a loan of upto up to 85% with minimal documentation. All you need as a Surrogate Income proof is: - A copy of credit card and credit card billing statement for the last 2 months OR - A repayment track record OR - Last 3 months bank statements.

A two-bed apartment?The sea-facing penthouse?Or just the right piece of land to build your dream house?HDFC Bank brings, HDFC home loans to your doorstep. Over 3 decades of exclusive experience, a dedicatedteam of experts and a complete package to meet all your housing finance needs, HDFC Home Loans, help you realize your dream.

Features & Benefits:-

Home Loan - Home loans for individuals to purchase (fresh / resale) or construct houses. Application can be made individually or jointly. HDFC finances up to 85% maximum of the cost of the property (Agreement value +Stamp duty + Registration charges) based on the repayment capacity of the customer.Home Improvement Loan - HIL facilitates internal and external repairs and other structural improvements like painting, waterproofing, plumbing and electric works, tiling and flooring, grills and aluminium windows. HDFC finances up to 85% of the cost of renovation (100% for existing customers) subject to market value of the property..Home Extension Loan - HEL facilitates the extension of an existing dwelling unit. All the terms are the same as applicable to Home Loan.Land Purchase Loan - Be it land for a dream house, or just an investment for the future, HDFC Land Purchase Loan is a convenient loan facility to purchase land. HDFC finances up to 85% of the cost of the land (Conditions Apply). Repayment of the loan can be done over a maximum period of 15 years.Choose from Fixed Rate or Floating Rate with options to structure your loan as Partly Fixed or Partly Floating.

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Flexible repayment options to suit your individual needs.Loan cover Term Assurance Plan - HDFC Standard Life Insurance Company Ltd. offers an insurance plan*, which is designed to ensure that life's uncertainties do not affect your family's interests and your precious home. LCTAP provides a lump-sum payment on the unfortunate demise of the life assured.

This pure risk plan is designed in a way that the cover decreases as you repay your home loan making it a low cost premium insurance plan.*Insurance is the subject matter of solicitation.

Automated Repayment of Home loan EMI - You can give us standing instructions to repay your Home Loan EMIs directly from your HDFC Bank Savings Account, thus, saving you the trouble of procuring, signing and tracking post-dated cheques.HDFC also offers In-house scrutiny of Property documents for your complete peace of mind.

Features & Benefits:-

Loans upto Rs.15 Lakhs for Education in India and upto Rs.20 Lakhs for Education abroad# Attractive interest rates.Repayment to start 1 year after course completion / 6 months after obtaining employment (whichever is earlier)Loan available upto tenure of 7 years including moratorium period.Tax Benefits availaible under Section 80E of the IT Act *Hassle free loans and speedy approvals.Convenience of service at your doorstep.Loans available for other course related expenses also!

Loans disbursed directly to the educational institution.Loan to be released as per fee schedules of institutes.Exclusive Telegraphic Transfer facility availaible for courses abroad.Loans available for short duration/ job oriented courses also.

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Commercial Vehicle Loan

Are you looking at finance or loan options for the purchase of your truck, bus, tipper or

light commercial vehicle ?

You are looking at the right place. We offer hassle-free Commercial Vehicle Loan with the

best terms for funding at the most attractive rates in India.

Loans are extended for Purchase of :-

Commercial Vehicles - Loans for LCVs (Light commercial vehicles, HCVs (Heavy

Commercial Vehicles), MCVs (Medium Commercial Vehicles), Three Wheelers

(This includes buses, trucks, tempos, tippers)

We provide funding for all models of Telco, Ashok Leyland, Swaraj Mazda, Eicher,

Bajaj Tempo, Volvo etc. The choice is entirely yours.

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Car Loan - New Car Loans

You have spent a lot of time thinking about the make, model and colour of your car. Now

you don't have to spend a moment more than necessary to bring it home.

Just get in touch with us for a car loan to buy a new car and see how simple the car buying

experience can be. HDFC Bank's Car Loans Scheme is the most convenient way to get a

loan for your new dream car.

Isn't it time you stepped on the accelerator?

Advantages of our New Car Loans Services

Speedy processing - within 48 hours.

Covers the widest range of cars and multi-utility vehicles in India.

Whatever the car you choose, we finance you, for up to 90% of its invoice value.

Flexible repayment options - 12 to 60 month period.

Attractive car loan plans.

Among the lowest interest rates.

Hassle-free documentation.

Prepayment - prepay the loan anytime after 6 months at a small charge.

Special rates for HDFC Bank account holders.

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Car Loan - Used Car Loans

Today, used car of reliable quality and good value for money are readily available. HDFC

Bank Used Car Loans puts you in the driver"s seat. Flexible options are available for most

models at competitive interest rates, and quick approvals. What's more, HDFC Bank also

helps you select good quality used cars and even value them.

Advantages of our Used Car Loans Services

You can choose any car manufactured in India within a certain age*.

Choose flexible loan repayment schedules.

Get up to 80% finance of the value of the car.

Repay in easy installments of 12 to 48 months.

Avail of the lowest interest rates.

If you are an HDFC Bank account holder, we have got special benefits for you.

* 6 years for premium vehicles, 7 years for standard vehicles and up to 8 years (only for

salaried individuals) on select vehicles.

Where and How can you apply

Applying for a Used Car Loans is absolutely simple. Just fill the online Apply Now form

and our representative will get in touch with you shortly.

You could also call our PhoneBanking service and our customer service representative will

call on you, at your convenience.

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Loan Against Securities

Is your money blocked in high yielding securities viz Equity Shares, Mutual Fund Units,

GOI Relief Bonds, LIC Policies, IMDs/RIBs.

No problem! Apply for an e-Instant Loan, and in just 60 seconds you can find out exactly

how much overdraft you can draw against your securities, while still retaining ownership.

And if you are eligible, you will have the money in your hands in a few days.

Overdraft facility also against LIC Policies , Government of India Relief Bonds and

RIBs/IMDs. What's more, by applying online, you get a preferential interest rate. And the

best part is that you can continue to enjoy all your shareholder benefits such as rights,

dividends and bonuses.

Advantages of our Loan Against Securities Services

e-Instant Loans: Online eligibility approval in 60 seconds, loan disbursement in 72 hours.

Overdraft facility can be availed against pledge of Equity Shares, Mutual Fund units, GOI

Relief Bonds or LIC Policies, RIBs/IMDs.

Preferential rate of interest for online applications.

Pay interest only on the amount outstanding and only for the time you use it.

Interest is calculated on the daily outstanding balance and debited to your account every

month end.

Shares can be pledged from any Depository (NSDL or CDSL) and any Depository

Participant across the country.

For availing of the overdraft facility, the securities need not necessarily be in your name.

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What's more, we also offer you the following features

Minimum loan amount : Rs. 50,000/-

Drawing Power

Demat Shares Demat Shares up to 50% of the value

Mutual Funds Mutual Funds up to 50% of the value

The contribution of a single scrip should not exceed 65% of the total portfolio value at any

point of time during the tenure of the account.

Single Scrip Lending

Lending upto 50% of the value.

HDFC Bank to be the Depository Participant.

Maximum Loan Amount Rs. 20 Lakhs

To receive the overdraft amount, a Current Account is created in your name into which, we

will create an overdraft limit.This entitles you to all the Current Account benefits like

FREE International Debit Card

FREE ATM facility enabling anytime access to your account from all the ATMs around

the country.

FREE PhoneBanking - allowing 24-hour access to your account.

FREE NetBanking - allowing 24-hour access to your account.

A personalised cheque book for enhanced security.

Detailed statement showing the current value of your portfolio and the securities pledged

by you.

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Loan Against Property

Expand your business, plan a dream wedding, or fund your child's education.....

HDFC Bank brings to you Loan Against Property. You can now take a loan against your

self occupied residential or commercial property and enhance the value of your property.

Get a loan of upto Rs. 1 crore and repay it in easy Equated Monthly Instalments (EMI's).

Gain

from your property without giving it on rent or selling it.

Advantages of HDFC Bank's Loan Against Property

Through its unique product features HDFC Bank offers following benefits:

Loans up to 60% of the market value.

Attractive interest rates in comparison with other forms of borrowings.

Speedy Processing.

Flexible surrogate income products structured to suit your needs.

Tenure up to 10 years.

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CREDIT CARD:-

The HDFC Bank Credit Card offers you the best features a card can provide along with the conveniences offered by a bank. Be it low interest balance transfer facility or comprehensive insurance cover, each of its features will help you manage your finances better and leave you free to live a better life.

TYPES OF CREDIT CARD:-

1. Silver Credit Card

2. Gold Credit Card

3. Value Plus Credit Card.

4 .Woman`s Gold Credit Card

5. E-Seva Credit Card

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The best features you could ask for in a credit card.Combined with all the services offered by a world-class bank.Get all with the HDFC Bank International Silver Credit Cards.Spending money was never so rewarding!

Features & Benefits:-

All-purpose credit card The HDFC Bank Silver Credit Card can be used for all your requirements, be it shopping, eating out, holidaying, fuelling up your vehicle, railway ticket reservations - just about any financial requirement, planned or on impulse.Earn while you spend With us, money spent is money earned. For every Rs. 150 you spend, you earn 1 reward points. You can redeem these accumulated points for exciting gifts and offers from our exclusive rewards program.Add on cards Get up to 3 add-on cards for your spouse, parents, siblings (own brother/sister), son and/or daughter (over 18 years) and allow them to enjoy the many benefits of the HDFC Bank International Silver Credit CardZero liability on lost card In case your credit card gets lost, report it immediately to our 24-hour call centre. After you do this, you carry zero liability on any fraudulent transactions on your card.Widely accepted Accepted at over 110,000 merchant establishments across India and Nepal and close to 18 million merchant establishments around the world.

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Features & Benefits:-

Up to 5% cashback on air/ rail ticketing5% Cash back on domestic air ticket bookings through domestic airline websites or rail ticket bookings through irctc.co.in if your statement balance for that month is above Rs 25000.

Note: You can earn upto Rs 1000 as cashback in a month. The applicable cashback will be credited to your card account within 60 days from the billing date of these transactions.

Attractive Reward Points Earn 2 reward points per Rs 150 spent on the Gold Credit Card. The reward points for air and rail transactions earning cashback will be reversed.

Rewards points redemption After earning all those reward points on your HDFC Bank Gold Credit Card, redeem them for exciting gifts and services! You could even convert them to airline miles with India's leading airlines through the MyRewards programme.

Worldwide acceptance Accepted at over 23 million Merchant Establishments around the world, including 110,000 Merchant Establishments in India.

Revolving credit facility # Pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or any higher amount whichever is convenient and carry forward the balance to a better financial month. For this facility you pay a nominal charge of just 3.25% per month (39.0% annually).

Free Add-on card You can share these wonderful features with your loved ones too - we offer the facility of an add-on card for your spouse, children or parents. Allow us to offer add-on cards to you FREE OF COST with our compliments.

Interest free credit facility Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the chargeby the Merchant).

Lost Card Liability In case you lose your card, intimate us immediately. If any fraudulent transactions happen after you have intimated us, you are fully absolved of any liability on those transactions up to Rs. 2.00 lacs.

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It's power packed with a host of unmatched features that provides your family with true Value and savings. No wonder we call it the Value Plus Credit Card.Like the name suggests, the Value Plus Credit Card brings you added value unlike any other card. It is a Guaranteed Cash Back card which enables you to earn up to 5% Cash Back on your spends.

Features & Benefits:-

Value Plus Cashback- Anytime Anywhere Use your Value Plus Credit Card anywhere anytime during the year and avail up to 5% cashback on all retail spends.

Category Cashback *Railway, Hospitals, Medical stores 5%Grocery, Dept Stores, Supermarket, Restaurants 1.50%All other retail spends 0.50%

*The cashback will be credited to your card account in subsequent statement subject to the condition that the total amount due in the current statement is Rs 7500 or above. The change is effective from 1st sep 2007.

Please click here for detailed terms and conditions. Worldwide acceptance The HDFC Bank International Value Plus Credit Card is accepted at over 23 million Merchant Establishmentsaround the world, including 110,000 Merchant Establishments in India.Cash Advance Just step into any one of our ATMs or VISA Member ATMs and withdraw cash up to 30% of your credit limit at a very nominal charge (Please refer to the Schedule of charges).Revolving credit facility # This feature allows you to pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or any higher amount whichever is convenient for you. You can then carry forward the balance to a better financial month, for which you pay a charge of 3.25% per month.Interest Free Credit Period Your Card now gets an Interest Free Credit Period of up to 50 days from the date of purchase (subject to the submission of the charge by the Merchant). Subsequently, if you carry forward your outstanding balance you just pay a nominal interest of 3.25% per month.Balance Transfer Option If you have any other credit card and wish to transfer their balances to your HDFC Bank International Value Plus Card, those balances will attract a nominal charge for a period of six months from the transfer date. Theoutstanding amount transferred can be up to 50% of your HDFC Bank International Value Plus Card Credit Limit.

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Features & Benefits:-

5% cash back on your Monthly household purchasesGet a whopping 5% cash back on all grocery/ supermarket/ Medical store purchases on your woman's gold card if your statement balance for that month is above Rs 20000.. Attractive rewards programme Get 2 reward points for every Rs.150 spent and redeem them against airmiles across leading airlinesWide choice of redemption MyRewards gives you an array of redemption opportunities for your Points - From microwaves to refrigerators, from Barbie dolls to latest Fashion labels, we take pride in giving you one of the widest options for getting rewarded! You can also redeem your accumulated reward points for air miles on leading airlines like Jet Airways, Air India, Kingfisher Airlines . Revolving credit facility # Pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or any higher amount whichever is convenient and carry forward the balance to a better financial month. For this facility you pay a nominal charge of just 3.25% per month (39% annually). Lost card liability In case you lose your card, intimate us immediately. If any fraudulent transactions happen after you have intimated us, you are fully absolved of any liability on those transactions up to Rs. 2.00 lacs.Interest free credit facility Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the chargeby the Merchant).Worldwide acceptance Accepted at over 23 million merchant establishments around the world, including 110,000 merchant establishments in India.

E-Seva Credit Card:-

The Highlights

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The HDFC Bank eSeva Credit Card has been designed exclusively for the residents of

Hyderabad. The card features have been customised to the needs of the residents of the

emerging Technology Capital of India. It offers you the best features a card can provide

along with the conveniences offered by a bank. Be it low interest balance transfer facility

or comprehensive insurance cover, each of its features will help you manage your finances

better and leave you free to live a better life.

The HDFC Bank eSeva Credit has all the regular features of the HDFC Bank International

Silver Credit Card plus exclusive features like:

Hassle free payment - Sign up one-time for a Standing Instructions facility on

your eSeva card for any eSeva payments.

Reward Points - Save upto 2% as you spend - Earn 2 reward points on every

Rs.100 spent on eSeva or any other transactions. These points can be accumulated

and redeemed towards gifts and utility bills at a later date.

Preferred Partners -

Giant - Hyper-market of the RPG group -10% discount on Apparel and

Household goods

Apollo Hospitals -

15% discount on all Outpatient Investigations,

10% discount on Inpatient Treatment (exclusive of drugs,

disposables and professional fees),

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20% discount on Preventive Health Checks.

Free subscription to Doctors at Home Services (payment per call

only will be charged at Rs. 250/-)

AirTel - 100% Activation fee waived on new postpaid connections.

Pizza Corner - 15% off on bills (not included on branded products sold

within store like cold drinks)

Ramoji Film City

7.5% off on entry fees.

10% Off on hotel bills and merchandise.

Choose which of these features* you would benefit from the most...

- Balance Transfer at a lower interest rate

- Hassle-free travel

- Wide acceptance

- Cash at your fingertips

- Add-on Cards

- Save while you spend (Reward Points)

Balance Transfer at a lower interest rate

Most cards charge interest at the rate of 2.95% per month. Transfer

the same balance to HDFC Bank's credit card and you will pay

interest at the rate of only 1.65% per month. For existing customers

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of HDFC Bank, we offer a special rate of 1.45% per month for 6

months.Why pay more when you have another way out ?

Hassle-free travel**

Travel bookings were never so easy. Dreams of a quiet family vacation are often ruined by

hassles of travel bookings. Now with the HDFC Bank eSeva Credit Card, book your train

and air tickets from the comfort of your home or office.

Train Bookings

Forget those long queues at railway ticket counters and enjoy the convenience of booking

train tickets from your home. Our tie-up with SITA Travels for booking of train tickets,

will ensure that you can now get train tickets delivered to you at your home. Nominal cost

for delivery is charged.

Airline bookings

Avail a 3.5% discount on domestic and 5.5% discount on international travel as also free

home delivery on all your bookings as a valued HDFC Bank card holder.

**All of the above offers are subject to the terms and condition of the card member

agreement To avail a copy of the terms and conditions, please call our 24 hour Customer

Call Center.

or write to us at HDFC Bank, Credit Cards division, P.O.Box no 399, Anna Salai H P O,

Chennai 600 002.

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Wide Acceptance

The HDFC bank credit card is one of the most widely accepted credit cards.

Accepted at over 110,000 merchant establishments across India and Nepal and close to 18

million VISA accepting establishments around the world.

Cash at your fingertips

Step into any one of our 700 ATMs and withdraw cash upto 30% of your credit limit. You

may also use any of the VISA member ATMs for withdrawal at a very nominal charge.

Besides withdrawing cash you can also use the HDFC Bank ATMs to :

Check the available cash limit

Do a PIN change

Do a funds transfer

Make credit card payments

Add on Cards

Get up to 3 supplementary cards for your spouse, parents, siblings (own brother/sister), son

and/or daughter (over 18 years) and allow them to enjoy the many benefits of a HDFC

Bank eSeva Credit Card.

Save while you spend

Spending has never been as much fun!! HDFC Bank's credit card revolutionizes the

meaning of the word spend. Here every purchase means a saving!

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Earn 2 reward points for every Rs. 100 charged to your card. Save these points and redeem

them for exciting gifts and offers. What's more - you can save these reward points upto 18

months.

Privilege Pricing on Loans

As a HDFC Bank eSeva Credit Card holder you get loans from the bank at special rates.

The rate discount offered is as follows:

Loan Discount Offered

Personal Loans 1 %

Car Loans 0.5 %

Used Car Loans 0.5 %

Repayments made easy

Use any of the options given below to pay your credit card bills.

Through ATMs :

Walk in to any one of the 600 and more ATMs in India, at any time for paying your credit

card dues , either by cash or by cheque. If you have an account with HDFC Bank, all you

have to do is transfer the bill amount from your savings or current account to your credit

card account.

Through NetBanking :

If you have an account with HDFC Bank, and you are registered for HDFC Bank

NetBanking facility,all you have to do is transfer the bill amount from your savings or

current account to the card account on the Net, by quoting your 16-digit card number.

Standing Instructions :

If you have an account with HDFC Bank, you can give a written instruction to

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automatically debit your bank account with either minimum amount due or total amount

due of your monthly outstanding to your credit card. However, your account with HDFC

Bank should be a sole account or a joint account with an any, or either, signing mandate.

The drop-box option :

All you have to do is drop in your payment cheque, quoting your 16-digit card number, at

any one of our drop boxes in your city.

Over the counter :

You can also make your payment by cash or funds transfer at any HDFC Bank branch in

India, by quoting your 16-digit card number.

Please remember to detach the Credit Card payment stub and enclose it with your

payment .

Through PhoneBanking

Bill Payments were never so easy. Call our 24-hour Customer Call center and request a Pay

Order / Demand Draft to be sent to you. Pay your insurance premium, electricity /

telephone / mobile bills using this service.

Note : The Utility Payments will be adjusted to your available cash limit and will attract

interest from the date of processing. This service is currently available in select cities for

select utilities companies only.

No Liability on lost card

Should you lose your credit card, report the loss immediately on our 24-hour call centre at

the below mentioned numbers. Any fraudulent transactions after reporting the loss will not

be your liability and will be borne by us.

Protecting you through insurance

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The HDFC Bank eSeva Credit Card offers the most comprehensive insurance cover at no

additional cost! Besides insuring your life against death due to an accident it also protects

you in the event of hospitalization.

In case of death in an accident

If the card holder loses his life in an air accident, the nominated next of kin will receive a

compensation of Rs. 4 lakh. In case this happens in a rail or road accident, the nominated

kin will receive a compensation of Rs. 2 lakh.

Private Banking

Private Banking is a comprehensive and exclusive service, offered by HDFC Bank, to

select high net worth individuals and institutions. The service is provided by an advisory

team specialised in financial and investment services. These experienced professionals put

together unbiased and objective guidance based on strong research and in-depth analysis of

financial instruments taking into account your financial goals and requirements.

An experienced Relationship Manager serves as your one-point contact, for your complete

banking and investment needs and requirements.

Resident Services

Equity Advice

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Advice on direct equity is through research reports based on fundamental and technical

parameters across individual stocks / model portfolio / customised client portfolios.

Research recommendations are generated by our Equity Research team and cover different

risk parameters and time horizons.

Our coverage includes comprehensive reports and regular updates. Click on any report to

view a sample of the same

Daily AAG - The newsletter 'At A Glance' (AAG) focusses on daily equities and events

with coverage across equity, debt and forex markets.

Market Impact - Fundamental analysis of companies and results

Daily Market Pulse - A technical analysis and interpretation of charts

Company Research Reports - Reports and views on stocks and recommendations across

different time frames

Stock Ideas - Reports on aggressive stock themes.

These recommedations are then aggregated into different model portfolios for reference

across

Conservative portfolio - For long term investors

Aggressive portfolio - For medium term investors

Super aggressive - For short term investors

In addition, we offer research support on

Trading Strategies - A newsletter based on opportunities in the derivative segment

Govt. of India Savings Bonds

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These bonds are issued by the Reserve Bank of India (RBI) on the behalf of the Govt. of

India (GOI). GOI Bonds are available in one coupon rates -

8% Savings Bonds 2003 - These bonds carry an interest of 8% which is taxable. An

investor can receive interest either on a half-yearly basis or on maturity. There is no

limit on the investment amount in these bonds. The maturity period of the 8 %

Savings bond (taxable) is six years.

At HDFC Bank, we understand the value of your time and the opportunities it holds for you. Your personal financial investment needs might get overlooked, while you attend to your business and professional needs. Inline with this, we are pleased to offer to you a customised Investment Advisory Service for your existing portfolios and regular investable surpluses.

The service offers research – based advice to optimise returns on your investment portfolio across a range of financial instruments, keeping in line with your profile and investment objectives. Your existing portfolio is analysed to advice you on rebalancing to obtain an optimum asset mix. Here, a dedicated advisor regularly guides you through the evolution of new market opportunities, to evaluate and restructure your existing investment portfolio.

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E-Age Banking

Welcome the world of e-Age Banking :-

e-Age Banking lets you check your balances and other details on all your Savings, Current

and Demat Accounts, allows you to make loan payments on your loans, transfers money

between your accounts, and much more.

In addition to banking from your home, you can now pay your bills from the comfort of

your home or office using HDFC Bank's BillPay service. This service gives you the

freedom to pay your utility bills, even your insurance premium, without waiting in queues,

writing checks or missing bill payment dates. And it is FREE.

At HDFC Bank, we call it "e-Age banking" where the 'e' is aimed at making life a lot

easier.

HDFC Bank's e-Age Banking Channels are:

NetBanking:

Now, a FREE, safe and secure way to bank over the Internet! Check your upto-the-second

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account balance, transfer funds between your accounts or to third parties, and much more

at just a click of the mouse.

MobileBanking:

FREE access to your account on your mobile phone, through SMS or WAP services.

ATM

Get a FREE ATM card and access your account, 24 hours a day, 365 days a year, from any

of over 615 ATMs spread across different cities in India.

International Debit Card

Enjoy shopping at over 30,000 establishments in India and over 10 Million establishments

in 140 countries. Or withdraw cash from 7 lakh VISA/Plus ATMs across the globe. The

amount you spend on your card is automatically debited from your Savings Account.

PhoneBanking

Enjoy FREE 24-hour PhoneBanking to check your balance, find out the status of your

cheque

or even open a new Fixed Deposit, all from the comfort of your home or office.

BillPay

Use this FREE and convenient facility to pay your electricity, phone and mobile phone

bills with a single call or click or from any of our ATMs. The bill amount for all services

you have registered for is presented online. But payment is made and the amount is

deducted from your account ONLY on receiving your instructions.

Review on quarterly basis by the dedicated advisor.

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Netbanking - Online Banking / Internet Banking

Now up-to-the second access anytime anywhere !

While many banks offer online banking or internet banking facilities, most of them do not

offer up-to-the-second account information. Which means that if a cheque issued by you

has been debited from your account in the morning, your account status will not reflect this

when you log-in to your account in the afternoon. That's because, the account is updated at

the end of each day and not instantaneously.

HDFC Bank Online is a pioneer with regards to online banking or internet banking

services in India and has contributed immensely to changing the face of banking in India.

With NetBanking, you can not only view your account balance but also open a Fixed

Deposit, transfer funds, pay your electricity, telephone or mobile phone bills and much

more. Run through our interactive NetBanking demo to learn more about its various online

banking or internet banking features. Also you can now register for this service over the

phone! Call our PhoneBanking numbers in your city and use your TIN (Telephone

Identification Number) to register right away! These services have made banking online in

India a pleasure.

And now, we are proud to introduce for the first time in India a new, powerful feature for

our NetBanking customers - OneView. With OneView you can view not only your

HDFC Bank accounts but also your ICICI Bank, Citibank, HSBC, Standard

Chartered Bank , Global Trust Bank accounts,Citibank credit cards and HDFC Bank

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Demat accounts. So you can actually view six banks at the same time on one screen!

What's more the service is absolutely FREE !

Only HDFC Bank gives you "OneView" of 6 banks

Tired of logging in to different banks one after the other to check account balances? Bored

going from page to page to acess your account details? It is time you registered for

OneView. For the first time in India, this convenient service brings together your online

bank accounts (including those of family members), in one place, in total security.

Now, OneView puts it all on one screen for you, so that tracking and managing your online

accounts becomes quicker and easier than ever before. Giving you a complete picture of

your finances across multiple accounts.

If you have one or more accounts with HDFC Bank, Citibank, ICICI Bank, HSBC India,

Standard Chartered Bank and/or Global Trust Bank then OneView is just right for you.

Best of all, it's absolutely free!

Simply register for Internet banking with these banks and use OneView to get a single

window acess to :

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1. Current/Savings account balances

2. Current/Savings account transaction history

3. Fixed deposit summary

4. Saving/Fixed deposit summary

5. Citibank Credit Card

6. Citibank Credit Card transaction history

7. Hdfcbank Demat Profile

8. Hdfcbank Demat Holdings

9. Hdfcbank Demat Status

It will provide the comprehensive information you need at one place. So get the

convenience of OneView now and get into 6 banks.

DEBIT CARDS:-

An ATM card you can shop with all over the country and in over 140 countries with. You can spend in any currency, and pay in Rupees

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TYPES OF DEBIT CARDS:-

1. EasyShop International Debit Card2. EasyShop Gold Debit Card3. EasyShop International Business Debit Card4. EasyShop Woman's Advantage Debit Card5. EasyShop NRO Debit Card6. Kisan Card

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Features & Benefits:_Daily Limits: Rs. 15000 at ATMs for Withdrawal and Rs. 25000 at merchant establishments for shoppingAccess your bank account at over 8,00,000 Visa/Maestro/Cirrus ATMs in India and abroad.0 % petrol surcharge at select BPCL Petrol pumps*: As a Debit Card holder, any surcharge levied on your Cardat select BPCL petrol pumps would be reversed in the subsequent month. Click here for more details.Shop at more than 3,50,000 outlets in India and 13 million worldwide. The amount is debited directly to your account.Use your card overseas. Your account is debited in Rupees regardless of the currency in which you spend.Zero Liability on fraudulent Point Of Sale usage on lost or stolen cards. Click here for more details.Now get an Alert on your mobile phone or email for every purchase transaction done using your Debit Card at amerchant outlet !! All you need to do is register for Insta Alerts!Worldwide assistance from Visa and MasterCard on your card.

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Features & Benefits:-

Daily Limits: Rs. 50,000 at ATMs for Withdrawal and Rs. 50,000 at merchant establishments for shopping.Cash Back*: For every Rs. 100 that you will spend, you will receive Re. 1 as cash back. This cash back is validon all purchases made through the card, at all times of the year!!!0 % petrol surcharge at Petrol pumps*: As a Gold Card holder, any petrol surcharge levied on your Card at any petrol pump in India will be reversed in the subsequent month.Zero Liability on fraudulent Point of sale usage on lost or stolen cards*: If it's not your purchase you don't have to pay for it!! Your Debit Card is safer than ever!In case you lose your Debit Card, call us on our phonebanking numbers or visit the nearest HDFC Bank branch. Click here for more details.POS Alerts: Now get an Alert on your mobile phone or email for every purchase transaction done using your Debit Card at a merchant outlet !! All you need to do is register for Insta Alerts!Insurance cover*: The following are included in the insurance covers:

Death Cover by Air / Road - Sum assured Rs. 5,00,000

Fire & Burglary for the items purchased under Debit Card (upto 6 months) - Sum assured Rs. 50,000

Loss of Baggage Insurance - Sum assured Rs. 20,000

Exclusive offers at premium outlets*: Special Offers for our EasyShop Gold Debit Card customers in association with Visa and MasterCard will be provided form time to time.

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Features & Benefits:-

Cash Back of Re. 1 for every Rs. 200 spent*: For every Rs. 200 that you will spend , you will receive Re. 1 as cash back .This cash back is valid on all purchases made through the card, at all times of the year!!!Specialised Services*: A unique service number will be available for Woman's Debit Card customers to avail information / booking for the services listed ahead. Just call, quote your card number and use any of the services. These services are subject to availability and rendered on a best effort basis.Entertainment assistance :· Dining Referral and Reservation Assistance · Flower & Gift Delivery · Movie Tickets Home assistance:· Financial Planning & Advisory Services Assistance · Electrical & Electronic Gadget Repair Assistance · Pest Control Assistance · Home Cleaning Assistance Wellness : · Medical Check Up Packages · Nursing Care Arrangement 50% discount on locker fee*: You will be entitled to a 50% discount on locker fee for the 1st year. This waiver would be applicable for only one locker per card. In order to avail of the discount, please show your Woman's Advantage Debit Card at the branch.Special discount on purchase of Gold Bars*: Preferential pricing will be given to you on purchase of Gold Bars.In order to avail of the special discount, pleas show your Woman's Advantage Debit Card at the branch.Insurance cover*: You will be entitled to Personal Accident insurance cover of 2 lacs.Zero Liability*: You will not have any liability to any fraudulent Point of Sale transactions on the debit card, which take place upto 30 days prior to reporting the card loss.Click here for more details.Free BillPay*: You will not be charged for Bill Pay Service, normally chargeable at Rs. 100 p.a.Daily Limits: Rs. 20,000 at ATMs for Withdrawal and Rs. 30,000 at merchant establis

Value Added Services

Foreign Exchange (FOREX) Facilities:-

Are you planning to Travel abroad on Business? Or just taking an Overseas Holiday? or

Are you an Importer/Exporter?

……We will help you fulfill your every need.

We offer the following Foreign Exchange Services

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Travel Requirements - Foreign Currency Cash, American Express TC's and

Travelex TC's and Forexplus Card

Remittances and Foreign Currency Demand Drafts - Gift your Loved Ones, Pay

your Children's Fees etc

Cheque Deposits - For your USD, GBP Cheque etc. and Overseas Cheque Box

Facility

Trade Finance Services - Exports, Import, Letters of Credit and Bank Guarantees

Our other Foreign Exchange related Services include

Doorstep Delivery of Foreign Exchange - To have Foreign Currency Cash and TC's

delivered to your home Free Of Cost

Cash To Master – For Ships docking at Indian Ports

Foreign Exchange Services for Non HDFC Bank account Customers

These facilities are presently available at 370 branches all over India and we are in

the process of continuously adding to the list of our branches to offer Retail Foreign

Exchange Facilities to our valued customers.

FOREX PLUS CARD :-

All set to go abroad? We've got great news for you!

HDFC Bank is proud to present the Forexplus Travel Card. A pre-paid traveller's card that gives you a secured and hassle-free travel experience. So now you won't chase moneychangers or pay any transaction charges for shopping abroad. If your card is stolen, you can always block it. And just in case you want to extend your journey, you can also reload. It's one card that solves all your foreign exchange needs

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You can opt for the card you are interested in:

Forexplus Dollar Card or Forexplus Euro Card

Forexplus, a pre-paid traveller's card has facilities like:

- Accepted at over 13 million Visa Merchants anywhere in the world

- 24 hour VISA ATMs anywhere in the world.

- Reloadable anytime, anyplace

- Available in US Dollar & Euro Currencies

- Personal Accident Insurance Covers of Rs 2 lacs

- Loss of Baggage & Passport, reconstruction insurance cover.

Mutual Funds:-

Mutual funds are funds that pool the money of several investors to buy a variety of

securities. Mutual Funds could be Equity funds or Debt funds or a combination of the two.

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Various benefits of investing in mutual funds include risk diversification, professional

management, tax benefits and the ability to choose from a wide basket of funds.

Funds are selected on quantitative parameters like volatality, fund churn, risk adjusted

returns, rolling return coupled with a qualitative analysis of fund performance and

investment styles through regular interactions / due diligence processes with fund

managers.

The analysed funds are presented in the form of fact sheets from the bank which are

updated on a monthly basis.

Equity funds factsheet

Debt funds factsheet

Insurance:-

As part of the HDFC Bank endeavour to offer you a complete range of financial services,

you can avail of insurance plans from HDFC Standard Life Insurance through any of our

Bank branches.

HDFC Standard Life Insurance, India's premier new life insurance company, offers you

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customised insurance solutions to meet your life and health risk protection, long term

savings and retirement planning needs with its range of products

HDFC Standard Life Insurance Co. Ltd :

HDFC Standard Life Insurance Co. Ltd was incorporated on 14th August 2000. It was the first new

Life Insurance company to be granted Certificate of Registration from IRDA on 23rd Oct 2000.

HDFC is the main stake holder with 81.4% while Standard Life owns 18.6%

Products Offered :

Savings Schemes : With profits Endowment Assurance / With Profits Moneyback plan

Whole Life Plans

Risk Covers : Term Assurance / Loan Term Assurance

Retirement Schemes : Personal Pension Plan

Children Plan

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Financial Planning:-

The Financial Planning service is offered as an option to long term investors.The portfolio

is advised on in a passive investment style with the asset category as mutual funds. The

planner is suitable for investors who wish to take a asset allocation based, long term

investment outlook, ignoring the short term volatalities of financial markets. The style is

steady asset allocation based on a theory that long term investing over a long time frame

will help the client achieve stated goals

Financial Planning takes into account :

1. Desired asset allocation, risk profile and return expectations

2. Building cash flows correlating all expenses and income. Inflation and outflows

due to loans are considering in building the financial plan

3. Future goals like retirement, housing and children's education / marriage or other

needs

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The client would be offered the following

Financial Plan indicating the required savings to meet the desired goals.

Asset Allocation

Monthly reports

Experience the convenience and ease of e-Age Banking channels. Our e-Age Banking

customers have easy access to all their accounts, anytime, anywhere. If you want up-to-the-

second information about your accounts, it's possible with our state-of-the art technology

which few banks can match. Most of the e-Age Banking channels are free and they are

available 24 hours a day, 7 days a week.

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SERVICES OF HDFC BANK:-

1. INSTA ALERTS.2. NET BANKING.3. MOBILE BANKING.4. PHONE BANKING.5. BILL PAY.6. MARCHANT SERVICES.7. NET SAFE.8. Ngpay.9. PRAPAID MOBILE REFILE.

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Now you can get regular updates on your bank account on your mobile phone or email ID.

Just register for our InstaAlert service and receive updates on your account as and when the select transaction happens - all this without visiting the branch or ATM

You can register for any or all of the following alerts:-

Debit transactions greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000Credit in account greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000Account Balance below Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000-Weekly account balanceSalary Credits*Utility bill payment due Alert**

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NetBanking is HDFC Bank's Internet Banking service. Providing up-to-the-second account information, NetBanking lets you manage your account from the comfort of your mouse - anytime, anywhere.

Introducing a simpler way to register for NetBankingSay goodbye to long queues and paper work. Presenting one more reason to register for NetBanking. You cannow call the PhoneBanking numbers in your city to register for NetBanking.

Features & Benefits:-

View Account Balances & StatementsTransfer Funds between accountsCreate Fixed Deposits OnlineRequest a Demand DraftPay BillsOrder a Cheque BookRequest Stop Payment on a ChequeAnd lots more

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Your Mobile is now your bank! Now access your bank account and conduct a host of

banking transactions and inquiries through your mobile, with our unique MobileBanking

service.

Features & Benefits:-Get your balance detailsObtain your last 3 transaction detailsRequest a cheque bookStop a cheque paymentEnquire cheque statusRequest an account statementGet Fixed Deposit detailsRequest for Internet PIN re-generationPay your bills*

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Features & Benefits:-Check your account balance - Get up-to-the-second details of your Savings or Current Accounts and your Fixed Deposits. You can also get the details of the last 5 transactions on your account, or have a mini statement of last 9 transactions faxed across to you.Enquire on the cheque status - You can use PhoneBanking to check on the status of cheques issued or deposited from anywhere in India.Order a Cheque Book / Account Statement - Just call PhoneBanking and get your Cheque Book or latest Account Statement delivered at your doorstep.Stop Payment - Stop payment of a single cheque or a series of cheques, 24 hours a day.Loan Related queries - Get details of the outstanding loan amount, enquire about your loan account, request for an interest certificate and repayment schedule, etc. Just call PhoneBanking in your city and dial 4 to speak to our PhoneBankerOpen a Fixed deposit or Enquire on your Fixed deposits / TDS*# - Talk to our PhoneBanker to easily open a Fixed Deposit over the phone, by simply authorising a transfer of funds from your Savings Account.Transfer Funds between accounts*# - You can also transfer money from one of your accounts to another. Both accounts must be linked to your Customer ID. You can transfer amounts upto Rs 1 Lac in a single day.Pay your bills - Pay your cellular, telephone, electricity and HDFC Bank Credit Card bills through PhoneBanking using BillPay, a comprehensive bill payments solution. Know more about BillPay.Report loss of your ATM / Debit Card / ForexPlus Card - If your ATM / Debit / ForexPlus Card is lost, call any PhoneBanking number to deactivate your card(s).Learn about all our other products - Get details on HDFC Bank products & services by talking to our Phone Banker.Enquire about latest Interest / Exchange rates - Get latest Interest rates on Deposits and Foreign Exchange rates by talking to our Phone Banker.Request a Demand Draft / Manager's Cheque #** - Call PhoneBanking and get a Demand Draft / Manager's Cheque delivered to your doorstep.Demat Related Queries$ - Get the Account holding details, Transaction details, ISIN Number of a scrip, Status of Depository Slips, details of Client Master list (Dividend account, Charges Debit account, PAN etc.) & others.Call PhoneBanking in your city & dial 5 to

Now, you have the luxury of paying your telephone, electricity and mobile phone bills at your convenience

through the Internet, ATMs, your mobile phone or telephone - using BillPay, a comprehensive bill payments

solution.What's more you can check the bill amount before you make any payments ensuring you always pay

the right amount. BillPay has made all your bill payments easy.

Key Benefits:-

Convenience at its best - No queuing up at collection centres or writing cheques any more!A variety of payment modes available - ATMs, NetBanking, MobileBanking and PhoneBanking

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Payments can be made right up to the due date.Check your bill amount before you make any payments - ensuring you pay the exact amount you wish to.

For Merchants, the world over, accepting payments through cards; both debit and credit, is an easy and cost

effective way to enhance business, increase revenue, and improve efficiency.

As an acquirer, HDFC Bank makes accepting credit and debit cards easy. Our valued merchant

establishments can now accept all credit and debit cards issued under the Visa, Visa Electron, MasterCard

and Maestro brands. Our service is backed by superior technology infrastructure and personalised support

from a designated relationship officer.

We offer card acceptance solutions both on EDC machine and on the Internet through our Payment Gateway

product.

Key Benefits:-

Reduce transaction timeHave freedom of accepting exact amounts- e.g. an amount of 1297.67 can be easily accepted on card but is quite inconvenient to accept in cash.Reduce manual errors in cash counting and collection. Increase customer retention by offering customers standing instructions payment options on their cards to

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make recurring payments. Customers do not need to come to your billing center every month for making recurring paymentsOptions of accepting payments on regular EDC (Electronic Data Capture) Terminals, through your ECR (Electronic Cash Registers) or through the website.

NetSafe, is a unique online payment solution that offers you complete security while shopping on the Internet.

With NetSafe, you can now shop online through a virtual credit card, without revealing your actual HDFC Bank

Credit Card number. What's more, you can now use your HDFC Bank Debit Card also for online purchases.

Key Benefits:-

Your HDFC Bank credit / debit card number is never used on the merchant website.The NetSafe card you create is a one time use card.You can set your own limit for the NetSafe cards you generate.You can use it on any merchant website that accepts Master Card / VISA payment cards.It ensures a completely safe and secure online shopping experience.All purchases you make with NetSafe Cards will appear on your statement, just like any other transaction.

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Key Benefits:-

It is our endeavour to simplify the world of banking for you. You can now request cheque books, stop cheques,request Demand Drafts, access Account statements and more from wherever you are - with ngpay - a revolutionary application that allows you to transact on your mobile phone as easily as you can on our website. Then again, there's more to ngpay than just MobileBanking! gpay offers a range of services from it's network of partners. In a simple, consolidated menu, you can discover and choose merchants or service providers withwhom you want to transact.

Banking with HDFC Bank: Full suite of MobileBanking and Payment Services including Fund Transfer facility.You can transfer funds to any HDFC Bank Account or any Visa Card (Debit or Credit) within India using ngpay.Entertainment at Fame Cinemas, INOX Cinemas: Search for shows, select / view seats and pay for tickets Travel through IRCTC, Deccan, Make-My-Trip, Yatra, redBus: Search for options, price trips and book tickets. Shopping from Ferns N Petals, Archies, FutureBazaar: Search, buy and ship products to anyone, anywhere in India. Telecom Services with BPL Mobile: Manage your accounts, top-up the prepaid balance and pay your monthly postpaid bills.

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HDFC Bank offers – Prepaid Mobile Refill, which allows you to recharge your prepaid mobile phone anytime

from anywhere and pay directly from your Bank account. Avoid hassles of withdrawing cash or searching for a

retailer for buying the recharge card..

You can avail of this service in two convenient ways:

Prepaid Mobile Refill on Internet

Prepaid Mobile Refill on ATM

HDFC Bank introduces refill of prepaid card through SMS

All you need to have is an HDFC Bank Account and be a prepaid customer.

Pre-paid Refill through SMS

Pre-paid Refill through ATM

Pre-paid Refill through SMS :

You need to be registered for this service.But for once we have taken the pain of filling up

a form away.You now just have to walk across to an HDFC Bank ATM and do the

following.

1. Select 'Prepaid Refill/Bill Pay'option

2. Select 'SMS refill registration'

3. Enter your 10 digit mobile number and confirm

Within seconds you will receive an SMS confirming your registration, giving you a code

number and also the syntax of the message that you need to send for getting a refill done.

The number to which the message needs to be sent will also be a part of this message that

you receive.

So now a refill is just an SMS away.

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How much does it cost ?

This service is absolutely free from HDFC Bank! You only have to pay the regular SMS

charge for your SMS request.

Where can I access this service ?

Operator Name CircleAirtel Mumbai Orange Mumbai

Prepaid refill through ATM :

It's actually very easy to refill your prepaid card. You just need to walk into an ATM.

1. Select 'Prepaid Refill/Bill Pay'

2. Then select Pre-paid Refill

3. Enter the 10 digit mobile number and confirm

4. Fill the amount you want your card to be re-filled for

Within seconds you will get an SMS confirming the refill for the asked amount!

How much does it cost ?

This service is absolutely free from HDFC Bank! You only have to go to the ATM and use your card.

It's a service that has been introduced for the first time in India, just to make your world easier.

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FINDINGS:-

Mar-05 HDFCBank

ICICIBank

Branches 467 565

ATMs 1,147 2,000

Cities 211 371

Retail assets (Rs crore) 18,000 56,000

Deposits (Rs crore) 38,000 99,800

Car loans (Rs crore) 2,500 11,500

Credit cards (Mn) 1.3 3

Retail customers (Mn) 6.4 13.7

Cost of deposits (%) 3.2 4.5

Net interest margin (%)

3.2 2.4

Net NPLs (%) 0.2 2

1.Even in the number of customers ICICI Bank leads by a distance (See table: Share of the wallet). Nearly 14 million customers bank with ICICI Bank, while the number for HDFC Bank is less than half (6.4 million).

2.ICICI Bank has issued 3 million credit cards -- that is more than twice the number of HDFC Bank's credit card users. However, industry observers point out that ICICI Bank's effective users for credit cards may not behigh.

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3.Nonetheless, they concede that even with a discounted customer base, the numbers will still be strong. Even in businesses like online trading where the risks are relatively low, ICICI Bank commands a two-thirds marketshare.

4.HDFC BANK have to launch new product & technology to improve their services.

5. . The Non Performing Assets (NPA) of HDFC bank ltd is 0.8% which is very low as compared to other banks.

6. More branches should be set up in the cities which are not covered till now.

7. Atm & branches of HDFC BANK are less as compared to ICICI BANK.

8.Devlop proper distribution network to increase their sale.

SUGGESTIONS AND RECOMMENDATIONS

More branches should be set up in the cities which are not covered till now so as

to make the bank easily accessible to more people, like SBI.

More secure and safe transactions through ATMs to avoid fraud.

Customer care services should be improved as there are lots of complaints of

holding the line for long durations and not getting response.

Complaints of customers should be heard and sorted out quickly.

Internet banking should be made safer to avoid fraudulent transactions.

A safe and reliable system for Mobile Banking should be implemented.

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CONCLUSION

1. HDFC Bank offers a wide range of products which are flexible depending on the need

of the individuals.

2. It is the only private bank out of so many private banks to offer such a wide range of

products and services.

3. Hdfc bank has extensive branch network with 445 branches in 202 cities and over 1100

ATMs across the country. It has 64 branches and 120 ATMs in Delhi NCR which is highest

as compared to any other private bank in the industry.

4. The Non Performing Assets (NPA) of HDFC bank ltd is 0.8% which is very low as

compared to other banks.

5. The facilities offered by hdfc to customers are of value and saves times.the concept of e-

banking is also very good and there is no need for customers to walk-in to the bank , they

can get the work done through the internet, phone banking, mobile banking with so many

facilities at customers desk.

6.It has made the life much easier and faster. No doubt hdfc is the best private bank in the

industry.

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BIBLIOGRAPHY

www.hdfc.com

www.hdfcbank.com

HDFC Bank

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