akbar peerbhoy college of commerce & economics
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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.
Features and BenefitsFeatures and Benefits
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
Features and BenefitsFeatures and Benefits
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.
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.
Features and BenefitsFeatures and Benefits
Accounts enquiry,Accounts enquiry,
Statement of account,Statement of account,
Funds Transfer, Funds Transfer,
Utility Bills Payment, Utility Bills Payment,
Features and BenefitsFeatures and Benefits
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.
Features and BenefitsFeatures and Benefits
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
Features and BenefitsFeatures and Benefits
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
Personal LoanPersonal Loan
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.
Personal LoanPersonal Loan
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.
Educational LoanEducational Loan
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
Educational LoanEducational Loan
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
Educational LoanEducational Loan
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.
Healthcare FinanceHealthcare Finance
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
Healthcare FinanceHealthcare 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.
Healthcare FinanceHealthcare Finance
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.
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