akbar peerbhoy college of commerce & economics

Akbar Peerbhoy College of Akbar Peerbhoy College of Commerce & EconomicsCommerce & Economics

Banking and InsuranceBanking and Insurance

SYBMSSYBMS

Professor in Charge: Rupa MadamProfessor in Charge: Rupa Madam

Group Members

Name

Amir Qureshi Prasad Naik Shrikanth Golpindi Arshi Rehan Patel

Roll No

23 19 10 40 21

HDFC BANKHDFC BANK

HDFC Bank was incorporated in HDFC Bank was incorporated in August 1994, and currently has a August 1994, and currently has a

nationwide network of 1,725 nationwide network of 1,725 Branches and 4,393 ATM's in 780 Branches and 4,393 ATM's in 780

Indian towns and cities.Indian towns and cities.

Accounts and DepositsAccounts and Deposits

HDFC Bank offers various deposit HDFC Bank offers various deposit plans that you can choose from plans that you can choose from depending on the term period, depending on the term period, nature of deposit and its unique nature of deposit and its unique saving and withdrawal features.saving and withdrawal features.

Savings AccountSavings Account

These accounts are primarily meant to These accounts are primarily meant to inculcate a sense of saving for the future, inculcate a sense of saving for the future, accumulating funds over a period of time. accumulating funds over a period of time. Whatever your occupation, you will find Whatever your occupation, you will find the perfect banking solution. You can open the perfect banking solution. You can open an account in your name or register for one an account in your name or register for one jointly with a family member today.jointly with a family member today.

Current AccountCurrent Account

With an HDFC Bank Current Account, With an HDFC Bank Current Account, experience the freedom of multi-city experience the freedom of multi-city banking! You can have the power of multi-banking! You can have the power of multi-location access to your account from any of location access to your account from any of its branches in cities. Not only that, you its branches in cities. Not only that, you can do most of your banking transactions can do most of your banking transactions from the comfort of your office or home from the comfort of your office or home without stepping out. without stepping out.

Fixed DepositFixed Deposit

Long-term investments form the chunk of Long-term investments form the chunk of everybody's future plans. An alternative to everybody's future plans. An alternative to simply applying for loans, fixed deposits simply applying for loans, fixed deposits allow you to borrow from your own funds allow you to borrow from your own funds for a limited period, thus fulfilling your for a limited period, thus fulfilling your needs as well as keeping your savings needs as well as keeping your savings secure.secure.

Demat AccountDemat Account

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

Demat AccountDemat Account

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

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

Features and Benefits Features and Benefits

Settlement of Securities traded on the exchanges Settlement of Securities traded on the exchanges as well as off market transactions. as well as off market transactions.

Pledging of Securities. Pledging of Securities.

Electronic credit in public issue. Electronic credit in public issue.

Auto Credit of Rights / Bonus / Public Issues Auto Credit of Rights / Bonus / Public Issues

Features and BenefitsFeatures and Benefits

Auto Credit of Public Issue refunds to the bank Auto Credit of Public Issue refunds to the bank account. account.

No stamp duty on transfer of securities held in No stamp duty on transfer of securities held in demat form. demat form.

No concept of Market Lots. No concept of Market Lots.

Safe Deposit LockerSafe Deposit Locker

You can now get a Safe Deposit Locker with HDFC Bank. You can now get a Safe Deposit Locker with HDFC Bank. We have lockers located at select branches in cities all We have lockers located at select branches in cities all over the country to ensure that your valuables are kept over the country to ensure that your valuables are kept safe.safe.


Wide Availability of lockers.Wide Availability of lockers.

Available in various sizes. i.e. small, medium, large and Available in various sizes. i.e. small, medium, large and extra large, at varying rents.extra large, at varying rents.

Avail Locker facility at any branch , irrespective of your Avail Locker facility at any branch , irrespective of your base branchbase branch


Lockers are rented out for a minimum period of one year. Rent is Lockers are rented out for a minimum period of one year. Rent is payable in advance.payable in advance.

No deposit is required to avail locker facility.No deposit is required to avail locker facility.

Hassle free locker rent collection. Collected through standing Hassle free locker rent collection. Collected through standing instruction.instruction.

Lockers can be hired by individuals, limited companies, associations, Lockers can be hired by individuals, limited companies, associations, club, trust, etc.club, trust, etc.

CardsCards

HDFC Bank’s range of Cards help you HDFC Bank’s range of Cards help you meet your financial objectives. So whether meet your financial objectives. So whether you are looking to add to your buying you are looking to add to your buying power, conducting cashless shopping, or power, conducting cashless shopping, or budgeting your expenditure, you will find a budgeting your expenditure, you will find a card that suits you. card that suits you.

CardsCards

Credit CardsCredit Cards

Debit CardsDebit Cards

Prepaid CardsPrepaid Cards

Credit CardsCredit Cards

Besides arming you with unmatched spending Besides arming you with unmatched spending power, its Credit Cards are designed to meet your power, its Credit Cards are designed to meet your unique needs.unique needs.

•Premium CardsPremium Cards

•Titanium CardsTitanium Cards

•Gold Credit CardsGold Credit Cards

•Commercial CardsCommercial Cards

•Other CardsOther Cards

Debit CardsDebit Cards

HDFC Bank Debit Cards give you complete and HDFC Bank Debit Cards give you complete and instant access to the money in your accounts instant access to the money in your accounts without the risk or hassle of carrying cash. without the risk or hassle of carrying cash.

•Classic CardClassic Card

•Specialised CardsSpecialised Cards

•Premium CardsPremium Cards

Prepaid CardsPrepaid Cards

Besides offering convenience, its Prepaid Cards Besides offering convenience, its Prepaid Cards have been tailored to answer your travel and have been tailored to answer your travel and gifting needs.gifting needs.

•ForexPlus CardForexPlus Card

•GiftPlus CardGiftPlus Card

•MoneyPlus CardMoneyPlus Card

•ForexPlus Chip CardsForexPlus Chip Cards

•FoodPlus CardsFoodPlus Cards

NetBankingNetBanking

NetBanking is HDFC Bank’s Internet Banking NetBanking is HDFC Bank’s Internet Banking

Service. Providing up-to-the-second account Service. Providing up-to-the-second account

information, NetBanking lets you manage your information, NetBanking lets you manage your

account from the comfort of your mouse – account from the comfort of your mouse –

anytime, anywhere. anytime, anywhere.


Accounts enquiry,Accounts enquiry,

Statement of account,Statement of account,

Funds Transfer, Funds Transfer,

Utility Bills Payment, Utility Bills Payment,


Stop payment, Stop payment,

Request for issuance of cheque book, Request for issuance of cheque book,

Request for issuance of DD, Request for issuance of DD,

Other requests, etc., Other requests, etc.,

Phone BankingPhone Banking

Phone Banking services are a combination of IVR Phone Banking services are a combination of IVR and Agent offering, depending on the type of and Agent offering, depending on the type of transaction. For all transactions that cannot be transaction. For all transactions that cannot be completed on the IVR such as reporting loss of completed on the IVR such as reporting loss of cards, logging complaints, request & queries, cards, logging complaints, request & queries, Phone Banker-assisted services are available.Phone Banker-assisted services are available.


Check your account balanceCheck your account balance

Enquire on the cheque statusEnquire on the cheque status

Order a Cheque Book / Account StatementOrder a Cheque Book / Account Statement

Stop PaymentStop Payment

Loan Related QueriesLoan Related Queries


Demat Related QueriesDemat Related Queries

Open a Fixed depositOpen a Fixed deposit

Transfer Funds between accountsTransfer Funds between accounts

Pay your billsPay your bills

Re-generation requests for ATM / Debit card PIN etcRe-generation requests for ATM / Debit card PIN etc

ATMATM

HDFC has a wide range network of ATMs HDFC has a wide range network of ATMs across India. Some of its features are as below:across India. Some of its features are as below:

1.1. 24-hours access to Cash-Withdrawal24-hours access to Cash-Withdrawal

2.2. Personalised Cash WithdrawalsPersonalised Cash Withdrawals

3.3. View Account Balance & Mini-statementsView Account Balance & Mini-statements

4.4. Change ATM PINChange ATM PIN

5.5. Order a Cheque Book / Account statementOrder a Cheque Book / Account statement

Loan & Advances Offered by Loan & Advances Offered by HDFC BankHDFC Bank

Personal LoanPersonal Loan

Home LoanHome Loan

Educational LoanEducational Loan

Car LoanCar Loan

Healthcare FinanceHealthcare Finance


Borrow up to Rs 15,00,000 for any purposeBorrow up to Rs 15,00,000 for any purpose depending on your requirements. depending on your requirements.

Flexible Repayment options, ranging from 12 to 60 Flexible Repayment options, ranging from 12 to 60 months. months.

Repay with easy EMIs. Repay with easy EMIs.

One of the lowest interest rates. One of the lowest interest rates.


Hassle free loansHassle free loans - No - No guarantor/security/collateral required. guarantor/security/collateral required.

Speedy loan approval. Speedy loan approval.

Convenience of service at your doorstep.Convenience of service at your doorstep.

Home LoanHome Loan

Home LoanHome Loan

Home Improvement LoanHome Improvement Loan

Home Extension Loan Home Extension Loan

Land Purchase Loan Land Purchase Loan

Home LoanHome Loan

Home Loan:Home Loan: Home loans for individuals to purchase Home loans for individuals to purchase (fresh / resale) or construct houses. HDFC finances (fresh / resale) or construct houses. HDFC finances up to 85% maximum of the cost of the property based up to 85% maximum of the cost of the property based on the repayment capacity of the customer. on the repayment capacity of the customer.

Home Improvement Loan:Home Improvement Loan: HIL facilitates internal HIL facilitates internal and external repairs and other structural and external repairs and other structural improvements like painting, waterproofing, plumbing improvements like painting, waterproofing, plumbing and electric works, etc.and electric works, etc.

Home LoanHome Loan

Home Extension LoanHome Extension Loan - HEL facilitates the - HEL facilitates the extension of an existing dwelling unit. All the extension of an existing dwelling unit. All the terms are the same as applicable to Home Loan.terms are the same as applicable to Home Loan.

Land Purchase LoanLand Purchase Loan - HDFC Land Purchase - HDFC Land Purchase Loan is a convenient loan facility to purchase Loan is a convenient loan facility to purchase land. HDFC finances up to 85% of the cost of the land. HDFC finances up to 85% of the cost of the land. Repayment of the loan can be done over a land. Repayment of the loan can be done over a maximum period of 15 years.maximum period of 15 years.


HDFC Bank education loans offer student loans HDFC Bank education loans offer student loans with special features for the students who have with special features for the students who have secured admission in Premier Institutes secured admission in Premier Institutes


Institute Category

Programme Special Features

Management Institutes

Post-Graduate Diploma In Management( Two-Year)

1. Unsecured Lending Upto 12 Lakhs- No Third Party Guarantee Or Collateral

2. Loan Tenure Upto 84 Months


Institute Category

Programme Special Features

Management Institutes- ISB,IIM’S

Post-Graduate Programme In Management For Executives (One-Year)

1. Unsecured Lending Upto 15 Lakhs-No Third Party Guarantee Or Collateral Required.

2. Loans Above 15 Lakhs will be secured by adequate collateral.

3. Loan Tenure Upto 72 Months

Car LoanCar Loan

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

Avail Avail 100% finance100% finance on your favourite car. on your favourite car.

Flexible repayment options, ranging from 12 to Flexible repayment options, ranging from 12 to 84 months. 84 months.

Car LoanCar Loan

Borrow up to Borrow up to 3 times your annual salary.3 times your annual salary.

Speedy Speedy processing - within 48 hoursprocessing - within 48 hours

Repay with easy EMIs.Repay with easy EMIs.

Attractive Interest rates Attractive Interest rates

Hassle-free documentation.Hassle-free documentation.


HDFC Bank - Healthcare Finance offers easy HDFC Bank - Healthcare Finance offers easy loans for: loans for:

•New Equipment Finance

•Balance Transfer / Takeover

•Funding for Imported Equipment's

•Refinance / Used Asset Finance


New Equipment Finance:New Equipment Finance: Finances for Finances for purchase of new medical equipment. purchase of new medical equipment.

Balance Transfer / TakeoverBalance Transfer / Takeover : Transfer your : Transfer your equipment loans from other financiers at equipment loans from other financiers at attractive interest rates with HDFC. attractive interest rates with HDFC.


Funding for Imported Equipment'sFunding for Imported Equipment's : Finance : Finance on imported equipment's by opening a Letter on imported equipment's by opening a Letter of Credit or through Telegraphic Transfer. of Credit or through Telegraphic Transfer.

Refinance / Used Asset FinanceRefinance / Used Asset Finance : Funding : Funding against your existing lien-free assets. against your existing lien-free assets.

akbar peerbhoy college of commerce & economics

Documents

bank account

limited period

safe deposit locker

hdfc bank current account

demat form

term period

period of time

lac demat accounts