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PROJECT REPORT
AT
ING VYSYA BANK , BANGALORE.
A Project Report submitted in partial fulfillment of the requirements
for the award of the degree of
MASTER OF BUSINESS ADMINISTRATION
(Industry Integrated)
TO
MADURAI KAMARAJ UNIVERSITY, MADURAI
BY
Roshan Kumar Shaw
Reg. No. A8751321
Under the guidance
Dr.Rejimon Thomas
Ramaiah Institute of Management Studies
New BEL Road, BANGALORE.
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Qualification: Signature &
seal of the Head of the Institution.
STUDENTS DECLARATION
I here by declare the Project Report conducted at
ING VYSYA BANK,KORAMANGALA, BRANCH
BANGALORE
Under the guidance of
Dr.Rejimon Thomas
Submitted in partial fulfillment of the requirements for the
Degree of
MASTER OF BUSINESS
ADMINISTRATION
(INDUSTRY INTEGRATED)
TO
MADURAI KAMARAJ UNIVERSITY,
MADURAI
It is my original work and the same has not been submitted for the award of my MBA.
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CONTEN
CHAPTER 1 INTRODUCTION
1.1 General introduction about the sector.
1.3 Industry profile.
a. Origin and Development of the industry.
b.Growth and present status of the industry.
c. Future of the industry.
CHAPTER 2 PROFILE OF THE ORGANIZATION
2.1 Origin of the Organization
2.2 Growth and development of the organization
2.3 Present status of the organization
2.4 Functional departments of the organization
2.5 Organization structure and organization chart
2.6 Product and service profile of the organization competitors.
2.7 Market profile of the organization
CHAPTER 3 DISCUSSION TRAINING
3.1 Students work profile (role and responsibilities)
3.2 Description on live experience
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CHAPTER 4 STUDY OF SELECTED RESEARCH PROBLEM
4.1 Statement of research problem
4.2 Statement of research objectives
4.3 Research design and methodology
4.4 Analysis of data
4.5 Summary of findings
CHAPTER 5 SUMMARY AND CONCLUSION
5.1 Summary of learning experience
5.2 Conclusion and recommendations
Bibliography
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CHAPTER- 1
Ramaiah Institute of Management Studies, Bangalore Page
ACKNOWLEDGEMENT
I extend my special gratitude to our beloved director Dr. Pattabhiram and Dean, Project Guide to D
Rejimon Thomas, NIAM Training Officer Lila Mam for inspiring me to take up this project.
I wish to acknowledge my sincere gratitude and indebtedness to my project guide Dr. Rejiman Thoma
of Ramaiah Institute of Management Studies, Bangalore for her valuable guidance and constructiv
suggestions in the preparation of project report.
I extend my gratitude to ING VASYA BANK LTD. And the manager Mr. Santanu Banerjee (Branc
Head),Mr.Basabraj (Seals Manager) and all my colleagues, friends for their encouragement, suppor
guidance and assistance for undergoing industrial training and for preparing the project report.
MR. Roshan Kumar Shaw
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1.1 General introduction about the sector.
HDFC Bank was incorporated in August 1994 in the name of 'HDFC Bank Limited', with its
Registered its office in Mumbai, India. The Bank commenced operations as a Scheduled
Commercial Bank in January 1995.
The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receiv
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.
Headquartered in Mumbai, HDFC Bank, has a network of over 531 branches spread over 228
Cities across India. All branches are linked on an online real-time basis. Customers in over 120
Locations are serviced through Telephone Banking. The Bank also has a network of about over
1054 networked ATMs across these cities. 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. Now, LORD KRISHNA BANK & CENTURIAN
BANK are also merged with HDFC BANK.
HDFC Bank has won many awards for its excellent service. Major among them are "Best Bank
In India" by Hong Kong-based Finance Asia magazine in 2005 and "Company of the Year"
Award for Corporate Excellence 2004-05.
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1.2 INDUSTRY PROFILE
a. Origin and development of the industry
The origin of banking in India is traceable in ancient time through the modern banking hardly 200
Years old. The main functions of a bank are to accept deposits and grant loans. There are evidences o
These functions being performed by a section of the community in the Vedic periods. There are many
References of Debt in the Vedic Literature. During the Ramayana and Mahabharata eras banking,
Which was a side businesses during the Vedic period, became a full-time business activity for the
People. During the Smriti period, which followed the Vedic period and the Epic age, bankers performed
The functions of the modern banks. The banking business was carried on by the members of the Vaish
Community and Manu speaks of earning through interest as the business of Vaishyas.
b. Growth and present status of the industry
Commercial banking can also refer to a bank or a division of a bank that mostly deals with deposits and
Loans from corporations or large businesses, as opposed to normal individual members of the public
(Retail banking). as in the Indian banking.. The most prominent on our minds in the context of banking
these days, perhaps, are the implications arising out of the Basel II accord. Banks, as we all know, are
Subjected to more intense regulation as compared to the non-financial firms. This is probably because
the banks possess certain 'special' characteristics: Banks are much more leveraged than the other
Firms due to their capacity to garner public deposits. The asset - liability structure of the banks is also
Different from not only the non-financial firms but also the financial firms. To illustrate, the risk in an
Insurance company arises mainly from the liability side of the balance sheet in the form of insurance
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claims whereas for the bank the risk mainly comes from the diminution of asset values (for example,
illiquid loans that are not fully recoverable).
c. Future of the industry
Reflecting on future prospects in banking, immediate focus has to be on the cleaning up of th
remnants of undercapitalized banks, while concentrating on improvements in the rural co-operativ
credit system. It is also necessary to ensure improvements in their governance and financia
management. In the banking system as a whole, a healthy credit culture encompassing appropriat
pricing, quality of service, financial inclusion and contract-enforcement would be vital.
The Reserve Bank of India has, in the service of our country, a proven track record and professionalism, which
have lent it considerable credibility - both domestically and globally. This credibility enables the RBI t
confidently carry the reforms forward to credibly maintain price and financial stability, while enabling sel
accelerating equitable growth at elevated levels
The Indian financial sector is ready for consolidation, said 95 per cent of the respondents. Given the increased
competition, and the implementation of Basel II norms in the near future, the banking industry of the countr
would be better off with six to seven banks as big as State Bank of India, said the survey. However, voluntar
mergers are better than forced ones.
A majority of the public sector banks also demanded more autonomy to fix salary levels proportionate t
performance. In order to improve employee productivity it is essential to offer competitive compensatio
packages at all levels, the survey said. About 92 per cent of the public sector banks respondents voiced tha
they do not have sufficient autonomy to offer attractive incentive packages to employees to ensure commitmen
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levels. Some banks also said that in one-year's time, banks should be permitted to issue preference shares
According to the survey, some of the strengths of the banking industry are regulatory systems, economic growth
technological advancement, risk assessment systems and credit quality.
CHAPTER-2
PROFILE OF THE ORGANIZATION
Origin of the organization
HDFC Bank began operations in 1995 with a simple mission: to be a World-class Indian Bank.
We realize that only a single-minded focus on product quality and service excellence would help us
get there.
2.2 Growth and development of the HDFC BANK.
It's been a long journey since then and the Bank has grown in size and stature to encompass every
area of present-day banking activity and has carved a distinct identity of being India's Premier Private
Sector Bank.
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In 1980, the Bank completed fifty years of service to the nation and post 1985; the Bank made rapid
strides to reach the coveted position of being the number one private sector bank. In 1990, the bank
completed its Diamond Jubilee year. At the Diamond Jubilee Celebrations, the then Finance Minister
Prof. Madhu Dandavate, had termed the performance of the bank Stupendous. The 75th anniversary,
the Platinum Jubilee of the bank was celebrated during 2005.
The long journey of seventy-five years has had several milestones
2.3 PRESENT STATUS OF HDFC BANKThe Housing Development Finance Corporation Limited (HDFC) was amongst the first to receiv
an in-principle approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, a
part of the RBIs liberalization of the Indian Banking Industry in 1994. the bank was incorporated i
August 1994 in the name of HDFC Bank Limited. With its registered office in Mumbai, Inida. HDFC
Bank commenced operations as a Scheduled Commercial Bank in January 1995.
PromoterHDFC is Indias premier housing finance company and enjoys an impeccable track record in India as
well as in international markets. Since its inception is 1977, the Corporation has maintained
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 i
retail mortgage loans to different market segments and also has a large corporate client base for it
housing related credit facilities
Business FocusHDFC Banks mission is to be a World-Class Indian Bank. The Banks aim is to build sound custome
franchises across distinct businesses so as to be the preferred provided of banking services in th
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segments that the bank operates in and to achieve healthy growth in profitability, consistent with th
banks risk appetite. The bank is committed to maintain the highest level of ethical standards
professional integrity and regulatory compliance. HDFC Banks business philosophy is based on fou
core values: Operational Excellence, Customer Focus, Product Leadership and People.
Capital Structure
The authorized capital of HDFC Bank is Rs.450 crore (Rs.45 billion). The paid-up capital is Rs28
crore(Rs.28.2 billion). The HDFC Group holds 24.2% of the banks equity while about 13.1% of the
equity is held by the depository in respect of the banks issue of American Depository Share
(ADS/ADR Issue). The Indian Private Equity Fund, Mauritius (IPEF) and Indocean Finical Holdings Ltd
Mauritius (IFHL) (both funds advised by J P Morgan Partners, formerly Chase Capital Partners
together hold about 5.5% of the banks equity. Roughly
27.5% of the equity is held by FIIs, NRIs,/OCBs while the balance is widely held by about 2,14,000
shareholders. The shares are listed on The Stock Exchange, Mumbai and the National Stoc
Exchange.
Distribution Network
HDFC Bank is headquartered in Mumbai. The Bank at present has an enviable network of over 55
branches spread over 210 cities across the country. All branches are linked on an online real-tim
basis. Customers in 90 locations are also serviced through Phone Banking. The Banks expansio
plans take into account the need to have a presence in al major industrial and commercial center
where its corporate customers are located as well as the need to build a strong retail customer base fo
both deposits and loan products. Being a clearing/settlement bank to various leading stock exchanges
the Bank has branches in the centers where the NSE/BSE have a strong and active member base.
The Bank also has network of over 1069 networked ATMs across these cities. Moreover, HDFC Bank
ATM network can be accessed by all domestic and international Visa/Master Card, Vis
Electron/Maestro, Plus/Cirrus and American Express.
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Management
Mr.Jagdish Capoor took over as the banks Chairman in July 2001, Prior to this, Mr.Capoor was
Deputy governor of the Reserve Bank of India.
The Managing Director, Mr.Aditya Puri, has been a professional banker for over 25 years. And befor
joining HDFC Bank in 1994 was heading Citibanks operations in Malaysia.
The Banks Board of Directors is composed of eminent individuals with a wealth of experience in publi
policy, administration, industry and commercial banking. Senior executive representing HDFC are als
on the Board Senior banking professionals with substantial experience in India and abroad hea
various businesses and functions and report to the Managing Director. Given the professional expertis
of the management team and the overall focus on recruiting and retaining the best talent in th
industry, the bank believes that its people are a significant competitive strength.
Technology
HDFC Bank operates in a highly automated environment in terms of information technology an
communication systems. All the banks branches have connectivity which enables the bank to offe
speedy funds transfer facilities to its customers. Multi-branch access is also provided to reta
customers through the branch network and Automated Teller Machines (ATMs).
Business Profile
HDFC Bank caters to a wide range of banking services covering both commercial and investmen
banking on the wholesale side and transactional/ branch banking on the retail side. The bank has thre
key business areas:-
a) Wholesale Banking Services
The Banks target market is primarily large, blue-chip manufacturing companies in the Indian corporat
sector and to a lesser extent, emerging mid-sized corporate. For these corporate, the Bank provides
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wide range of commercial and transactional banking services, including working capital finance, trad
services, transactional services, cash management, etc. the bank is also a leading provided o
structured solutions which combine cash
management services with vendor and distributor finance for facilitating superior supply chai
management for its corporate customers. Based on its superior product delivery / service levels an
strong customer orientation, the Bank has made significant inroads into the banking consortia of
number of leading Indian corporate Sector companies. It is recognized as a leading provider of cash
management and transactional banking solutions to corporate customers, mutual funds, stoc
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 financia
products and banking services, giving the customer a one-stop window for all his/her bankin
requirements.
The products are backed by world-class service and delivered to the customers through the growin
branch network, as well as though alternative delivery channels like ATMs Phone Banking, NeBanking and Mobile Banking.
The HDFC Bank preferred program for high net worth individuals, the HDFC Bank plus and the investmen
Advisory Services programs have been designed keeping in mind needs of customers who seek distinct financia
solutions, information and advice on various investment avenues. The Bank also has a wide array of retail loa
products including Auto Loans, Loans against marketable securities, Personal Loans and Loans for Tw
wheelers. It is also a leading provided of Depository Services to retail customers, offering customers the facilit
to hold their investments in electronic form.
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2.4 Functional Departments of the HDFC Bank.
Name of Director Category No. of Directorship No. of Committees
Member Chairperson
Mr. Deepak S.Parekh Executive 11 6 4
Chairman
Mr.Keshub Mahindra Independent 5 1 1
Mr.Shirish B.Patel Independent 1 0 0
Mr.B.S.Mehta Independent 14 9 5
Mr.D.M.Sukthankar Independent 5 2 1
Mr.D.N.Ghosh Independent 3 1 1
Dr.S.A.Dave Independent 10 8 2
Mr.S.Venkitaramanan Independent 3 1 0
Dr.Ram S.Tarneja Independent 13 8 2
Mr.N.M.Munjee Independent 14 9 4
Dr.Vijay Kelkar Non-Executive 10 2 0
Mr.D.M.Satwalekar Non-Executive 6 2 2
Ms. R.S.Karnad Executive Director 13 5 2
Mr.K.M.Mistry Managing Director 10 7 3
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2.5 ORGANIZATION STRUCTURE AND ORGANIZATION CHART.
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Chairman
Managing Director & C E
Joint Managing Director
(International Business)
Joint Managing Director
(Domestic Banking)
Executive
Director
Executive Director
(Wholesale Banking)
Executive
DirectorExecutive
Director
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2.6 PRODUCT AND SERVICES PROFILE OF THE ORGANIZATION
COMPETITORS.
Savings Accounts
These accounts are primarily meant to inculcate a sense of saving for the future, accumulating funds
over a period of time. Whatever your occupation, we are confident that you will find the perfect banking
solution. Open an account in your name or register for one jointly with a family member today.
An easy-to-operate savings account that allows you to issue cheques, draw Demand Drafts and withdraw cash.
Ramaiah Institute of Management Studies, Bangalore Page 1
Sr. General Managers
General Managers
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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 1977ATM centres spread across the country.
Features & Benefits
1. Wide network of branches and over thousand ATMs to meet all your banking needs no matter where you
are located.
2. Bank conveniently with facilities like NetBanking and MobileBanking- check your account balance, pay
utility bills or stop cheque payment, through SMS.
3. Never overspend- Shop using yourInternational Debit Card that reflects the actual balance in your
savings account.
4. Personalised cheques with your name printed on each cheque leaf for enhanced security.
5. Take advantage ofBillPay, an instant solution to all your frequent utility bill payments. Instruct for
payment over the phone or through the Internet.
6. Avail of facilities like Safe Deposit Locker, Sweep-In and Super Saverfacility on your account.
7. 3 Free transactions on SBI/Andhra Bank ATMs per month.
8. Free Payable-at-Par chequebook, without any usage charges upto a limit of Rs.50,000/- per month.
9. Free InstaAlerts for all account holders for lifetime of the account.
10. Free Passbook facility available at home branch for account holders (individuals).
11.Free Email Statement facility
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Eligibility
1. Resident Individuals (sole or joint account).
2. Hindu Undivided Families.
3. Foreign Nationals residing in India*.
4. If you are a Foreign National residing in India, you may open a Savings Account by temporarily attaching
an undertaking (QA 22 form), stating sources of credit and a copy of your Residence Permit.
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Fees:-
Rs. 5 per leaf on non maintenance of Min balance
Upto Rs. 50,000 pm - No charges, Above Rs. 50,000 - Rs. 2.90 per 1000 on full amount.
Monthly statements to be Collected from branch.
Quarterly statements sent by post
Rs.100 at Branch, Rs.50 per statement through Phonebanking (Non-IVR) & ATM, Rs.30 per
statement through Netbanking, Phonebanking (IVR), & Mobilebanking.
Rs. 400 per year
Free
Rs 100/-
DD request through Branch:-
Upto Rs. 10,000
Rs. 50
Rs. 40 (Senior Citizens / Individuals in Rural areas)
Rs. 30 through Phonebanking
Above Rs.10,000 & upto
Rs. 50,000
Rs. 75 (Rs. 30 through Phonebanking)
Rs. 60 (Senior Citizens / Individuals in Rural areas)
**Only DD amount upto Rs 100,000 for Preferred & Rs 50,000
for other customers accepted at Phonebanking
Above Rs. 50,000 &
upto Rs. 1 LakhRs. 2.50 per 1000 or part thereof (Min Rs. 150)
Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000)
DD request through Net banking:-
Up to Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)
Third party DD* up to
Rs. 1 LakhRs .30+(Corr. Bank charges if applicable)
(*Third Party Registration required.Customers registered for Third Party Transfers have a
maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs
and send it to the benefiacry address)
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understand your worldDilip KaswalaREG .NO-A7751117
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