Presentation on

Prepared By :•Jinia Biswas

•Prachi Khemani•Shruti Jain

•Vibhav Kaushal

• PERSONAL BANKING• SME BANKING• NRI BANKING• WHOLESALE BANKING

SECTOR

Different Products

• Accounts & Deposits • Credit cards• Consumer banking• Corporate banking• Finance and Insurance• Investment Banking• Mortgage Loans• Private Banking

DIFFERENT PRODUCTS

Savings Account• Wide network of branches and over 7300 ATMs to meet all your banking needs,

no matter where you are located.• Never overspend – shop using your International Debit Card that reflects the

actual balance in your savings account.• Free Personalised cheques (payable at par) with your name printed on each

cheque leaf for enhanced security, , without any usage charges.• Bank conveniently with facilities like

like NetBanking, Phonebanking and MobileBanking – check your account balance, pay utility bills or stop cheque payments all via SMS.

• Take advantage of BillPay – an instant solution so you can pay all your frequent utility bill payments. Instruct for payments over the phone or through the Internet.

• Free cash withdrawals at any other Bank's ATMs*.• Free passbook facility available at home branch for account holders (individuals).• Free Email Statement facility.• Safe Deposit Locker (optional)

SAVINGS ACCOUNT

Savings Account

• Regular Savings Account• Savings Max Account• Senior Citizens Account• Basic Savings Bank Deposit Account• Basic Savings Bank Deposit Account - Limited KYC• Institutional Savings Account• Kids Advantage Account• Pension Savings Account• Savings Plus Account• Family Savings Group Account• Womens Savings Account• NRE Savings Account

SAVINGS ACCOUNT

SAVINGS ACCOUNTNon-Resident External Savings A/c

• Purpose : Meant for foreign exchange outside India and transferred to India.

• Currency : Indian Rupees• Min A/c opening amount : INR

10000(Urban), INR 5000(Semi-Urban)

• Interest Rate : 4%• Repatriation : The principal

interest earned are fully repatriable.

Non-Resident Ordinary Savings A/c

• Purpose : Meant to keep the money you earn or acquire in India before and after becoming an NRI.

• Currency : Indian Rupees• Min A/c opening amount : INR

10000(Urban), INR 5000(Semi-Urban)

• Interest Rate : 4%• Repatriation : RBI allows

repatriation only up to one million USD per financial year for bonafide purposes (e.g. education, medical expenses etc)

• Taxation : Interest earned is exempt from tax

• Joint account : This account can be held jointly with other non-resident Indian(s).

• Mandate holders : An Indian resident can be authorized to operate the account and provided with an ATM card for the account

• Taxation : Interest earned is taxable under Income Tax Act.

• Joint account : This account can be held jointly with resident or non-resident Indian(s).

• Mandate holders : An Indian resident can be authorized to operate the account and provided with an ATM card for the account

Current Account

Features and Benefits• Free local collections through cheque and Fund transfer• Free Local and anywhere cheque payment facility• Convenient Inter-city Banking.• Free collections through RTGS and NEFTYou are eligible to operate a Regular Current account if you fall under any of the following categories:• Resident Individual• Hindu Undivided Family• Sole Proprietorship Firms• Partnership Firms• Private and Public Limited Companies

CURRENT ACCOUNT

Current Account• Premium Current Account• Regular Current Account• RFC - Domestic Account• Flexi Current Account• Apex Current Account• Max Current Account• Merchant Advantage Current

Account• Merchant Advantage Plus

Current Account• Plus Current Account

• Trade Current Account• Current Account for

Professionals• Current Account for

Hospitals and Nursing Homes• Agri Current Account• EZEE Current Account• Supreme Current Account• ULTIMA Current Account• Institutional Current Account

CURRENT ACCOUNT

Current AccountNRE Current Account• Purpose : Ideal for foreign nationals

who have ESOPs issued by Indian companies.

• Minimum account opening = Rs. 25,000Average Monthly Balance = Rs. 25000

• Holding : Cannot be opened jointly with an Non-Resident Indian(s).

• Mandate holder : An Indian resident can be authorised to operate the account and provided with an ATM card for the account

NRO Current Account• Purpose : Ideal for foreign corporate

bodies and foreign nationals on visitor’s visa to India

• Minimum account opening = Rs. 25,000Average Monthly Balance = Rs. 25000

• Holding : Can be opened jointly with an Resident or Non-Resident Indian(s).

• Mandate holder : An Indian resident can be authorised to operate the account and provided with an ATM card for the account

• Repatriation : Principal and interest are fully repatriable

• International Debit Card : Get an International Debit Card

• Repatriation : You can repatriate up to USD 1 million, for bonafide purposes, subject to payment of applicable taxes

• International Debit Card : You don’t get a International Debit Card but you do get an ATM Card

Deposits

•Regular Fixed Deposit•5 Year Tax Saving Fixed Deposit•Super Saver Facility•Recurring Deposit•NRE Fixed Deposit

DEPOSITS

Period Interest Rate (per annum)

**Senior Citizen Rates (per annum) Effective From

7 - 14 days 3.50% 4.00% May 12, 201115 - 29 days 5.00% 5.50% July 27, 201330 - 45 days 6.00% 6.50% July 27, 201346 - 60 days 8.50% 9.00% July 27, 201361 - 90 days 8.50% 9.00% July 27, 201391 Days to less than 6 months 1 day

8.50% 9.00% July 27, 2013

6 months 1 day - 6 months 15 days

8.75% 9.25% July 27, 2013

6 months 16 days 8.75% 9.25% July 27, 2013

6 months 17 days - 9 months 15 days

8.75% 9.25% July 27, 2013

9 months 16 days 8.75% 9.25% July 27, 2013

9 months 17 days - 1 year

8.75% 9.25% July 27, 2013

1 year 1 day - 1 year 15 days

9.00% 9.50% August 17, 2013

1 year 16 days 9.00% 9.50% August 17, 2013

1 year 17 days - 2 years

8.75% 9.25% September 12, 2012

2 years 1 day - 2 years 15 days

8.75% 9.25% September 12, 2012

2 years 16 days 8.75% 9.25% September 12, 2012

2 years 17 days - 3 years

8.75% 9.25% September 12, 2012

3 years 1 day - 5 years

8.75% 9.25% September 12, 2012

5 years 1 day - 8 years

8.25% 8.75% Dec 10, 2010

8 Year 1 Day - 10 Years

8.25% 8.75% Dec 10, 2010

Fixed Deposit NRE Fixed Deposit

• Purpose : Safe and secure growth for your funds with full repatriation

• Min Amt and Add-on deposit : INR 25,000

• Repatriation : Full amount (principal and interest)

• Overdraft Facility : 90% of the Deposit

• Tenure : Min. 1 yearMax. 10 years

NRO Fixed Deposit

• Purpose : Long term investment with high rate of interest

• Min Amt and Add-on deposit : INR 25,000

• Repatriation : Interest only• Overdraft Facility : 90% of

the Deposit Amount• Tenure : Min. 7 days

Max. 10 years

• Taxation : Interest earned is exempt from Tax (i.e. Tax - free).

• Rate of Interest : For amount less than 1 crore , 8.75%(1-5)years, 8.25%(5-10)yrs.

For amount 1cr to 5cr , 9.25%(1-2)yrs, 8.75%(2-5)yrs,8.25%(5-10)yrs.

• Taxation : Interest is taxable under Indian Income Tax

• Rate of Interest : For amt less than 1crores :

(7-14)days : 3.50%(15-29)days : 5%(30-45)days : 6%(46-60)days : 8.50%(61-90)days : 8.5%91days to less than 6months

1day : 8.50%6months 1day to 1year : 8.75%

Super Saver Account

• Purpose : Dual advantage of liquidity of Savings Account and high interest rates of Deposits

• Tenure : Linked to a Savings/Current A/c

Sweep-In Account

• Purpose : Takes care of deficit in your NRI Savings / Current Account by linking without losing out on interest

• Tenure : 5 years

NRO Tax Saver Fixed Deposit

• Purpose : Opportunity to diversify your investments and save on tax

• Min amt and add-on deposit : INR 100 and in multiples of 100

• Repatriation : Interest only

• Taxation : Interest is taxable under Indian Income Tax Act

• Tenure : 5 years

NRE Recurring Deposit

• Purpose : It is an alternative to SIP and appeals to account holders who would want to save regularly

• Min amt and add-on deposit : An investment as small as Rs 500 (and in multiples of Rs 100 there after) or as large as Rs 14,99,900/- per month

• Repatriation : Full amount (principal and interest)

• Taxation : Interest earned is exempt from Tax (i.e. Tax - free)

• Tenure : Minimum tenure- 12 months (and in multiples of 3 months thereafter) Maximum tenure – 120 months

Rate of Interest :(7-14)days : 3.50%(15-29)days : 5%(30-45)days : 6%(46-60)days : 8.50%(61-90)days : 8.5%91days to less than 6months1day :

8.50%6months 1day to 5years : 8.75%5years to 10years : 8.25%

• Rate of Interest : 12months : 7.75%

(15-60)months : 8.75% (90-120)months : 8.25%

Foreign Currency Deposits

Foreign currency NR Deposits

• Currency : 6 foreign currencies - US Dollars, Pounds Sterling, Euro, Japanese Yen, Australian Dollars, Canadian Dollars

• Purpose : Deposit in foreign currency protecting you from exchange rate risks

• Repatriation : Principal and interest fully repatriable

• Taxation : Tax exemption on entire deposit

• Joint holder : Can be held jointly with other NRI customers

• Tenure : Min. 1 year Max. 5 years

RupeeMax

• Currency : 6 foreign currencies - US Dollars, Pounds Sterling, Euro, Japanese Yen, Australian Dollars, Canadian Dollars

• Purpose : Forward cover product that converts your FCNR FDs in INR at a pre-determined fixed rate.

• Repatriation : Repatriate proceeds on maturity

• Taxation : -• Joint holder : Available for FCNR

FDs held jointly• Tenure : Book a forward cover for

a tenure ranging from 1 to 5 years

Account for returning IndiansRFC Savings Account

• Purpose : Maintain account in foreign currency even as you can withdraw cash in Indian Rupees

• Transfer : Balance can be transferred on regaining NRI status

• Repatriation : Repatriate funds on bonafide reasons

• Taxation : Earn tax exemption on interest accrued on declaration of Resident but Not Ordinarily Resident status

RFC Fixed Deposit

• Purpose : Maintain account in 4 foreign currencies and protect yourself against exchange rate fluctuations

• Transfer : Funds can be remitted abroad for any bonafide purpose of the account holder

• Repatriation : Repatriate funds on bonafide reasons

• Taxation : Earn tax exemption on interest accrued on declaration of Resident but Not Ordinarily Resident status

• Nomination facility : Is available• Interest payment : Interest is

credited quarterly • Taxation : TDS (Tax Deducted at

Source) exemption can be claimed on interest earned basis declaration of RNORA.

• Joint holder : Can be held jointly with other eligible persons

• Nomination facility : Is available • Interest payment : Interest is

credited quarterly • Taxation : TDS exemption can be

claimed on interest earned basis declaration of RNOR

• Joint holder : Can be held jointly with other eligible persons

Offshore Accounts & Deposits• Smart Account : If you need an account that offers you instant access to

your funds while fetching you attractive interest on your balances, then Smart Account is the right choice. Available with a cheque book, this account can be opened with 3 other joint account-holders to help you manage your finances better.

• Time Deposit : HDFC Bank Hong Kong offers you Time Deposits - an investment solution with flexible tenures and attractive interest rates. With the multiple advantage of being able to invest in 4 major currencies, you

can renew the deposit automatically with added security and flexibility.• Offshore deposits : If you are looking for a safe investment option which

can offer competitive returns, Offshore Deposits is the right choice. It gives you the flexibility to choose between fixed or floating deposits in three major currencies of the world.

• Call Account : Opt for our zero balance call account offering competitive rates and orderly management of funds. You also get the flexibility to withdraw the amount any time

Demat AccountFeatures• No Account Opening charges• 1st year waiver on Annual Folio Maintenance Charges• Transaction linked Annual Folio Maintenance charge from 2nd year

onwards (The more you transact, Lesser you pay)• No stamp duty on transfer of securities held in Demat form• Auto credit of rights / bonus / public issues in your Demat Account

through ECS• Holding / Transaction details can be viewed through HDFC Bank Net

Banking by registering for DP on Net for free of cost• Pledging of securities• Discounted AMC of Rs 250/- from second year onwards for

customers in Senior citizen category

DEMAT ACCOUNT

Loans

• Personal Loan• Business Loans• Home Loans• Car Loans• Two Wheeler Loans• Education Loans• Loan Against Gold• Loan Against Securities• Loan Against Property

LOANS

CARDS

• Credit Cards• Debit Cards• Prepaid Cards• Credit Card Rewards Program• Business Platinum Credit Card• Business Gold Credit Card

CARDS

INVESTMENTS

• Wealth Services• Investment Products

INVESTMENTS

INSURANCE

• Life Insurance• Health Insurance• Motor Insurance• Travel Insurance• Home Insurance

INSURANCE

FOREX

• Travel Solutions• Remittance Products• Other Forex Services

FOREX

• Imperia Banking• Preferred Banking• Classic Banking

PREMIUM BANKING

• NRI Private Banking• NRI Imperia Banking• NRI Preferred Banking• NRI Classic Banking

NRI PREMIUM BANKING

• Cash Management Services• Direct Mode of Payment• Merchant Services• RTGS• ECS Credit & Debit• Doorstep Banking• Tax Payments

PAYMENTS & COLLECTIONS

• Export Services• Import Services• Letter of Credit• Bank Guarantees• Remittance Services• Investment Services

TRADE SERVICES

• Working Capital Finance• Term Loans• Business Loans• Loan against Assets

FINANCING YOUR BUSINESS

WHOLESALE BANKING

CORPORATESFINANCIAL

INSTITUTIONS & TRUSTS

GOVERNMENT SECTOR

INVESTMENT BANKING

CORPORATES

LARGE CORPORATES

FUNDED SERVICES

NON FUNDED SERVICES

VALUE ADDED SERVICES

INTERNET BANKING

SUPPLY CHAIN PARTNERS

DEALER FINANCE

VENDOR FINANCE

AGRICULTURAL LENDING

• Tax Collection• E-Ticketing• Opening of L/C's• Collection of levies and taxes• Disbursement of Pension• Electronic Collection of fees• Ministry of Corporate Affairs• Collection of Property Tax

GOVERNMENT SECTOR

• Project appraisal, structured finance, loan syndication and debt capital markets

• Equity Placement• M&A and Corporate Advisory Services• Capital Market Advisory Services

INVESTMENT BANKING

• Banks• Financial Institutions• Mutual Fund• Capital & Commodity Markets Brokers• Insurances Companies• Trusts

FINANCIAL INSTITUTIONS & TRUST

Banking Online :• Net Banking• Email statementsBanking with Phone :• SMS Banking• Phone Banking• InstaAlerts• Mobile banking through browser• Mobile Banking App for iPhone• Mobile Banking App for Blackberry• Mobile Banking App for Android• Mobile Banking App for NokiaMobile Banking Credit card information

WAYS TO BANK

Banking in Person• P.O Boxes – Account instructions are sent to a local

P.O Box which are then wire transferred to HDFC Bank, free of charge.

• NRI Access Points – HDFC Bank has representative offices in the Gulf, Kenya and Hong Kong.

• Branch Network - Accessing Savings or Current Account from any of over 3,119 of HDFC Bank branches across India.

• ATMs - 24-hour access to cash, view mini-statement, order cheque books, recharge prepaid cards, all from HDFC’s wide network of over 11,088 ATMs.

THANK YOU

http://www.unitedworld.edu.in/

CampusAhmedabad Campus: Karnavati Knowledge Village, A/907,Uvarsad, S.G.Highway, Gandhinagar

Kolkata Campus: Infinity Benchmark Tower 10th Floor, Plot - G1, Block - EP& GP, Sec - V, Salt Lake, Kolkata.

Reg. Office: 407, Zodiac Square, 4th Floor Opp. Gurudwara, S.G. Road, Bodakdev, Ahmedabad.