mt final ppt
TRANSCRIPT
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FINAL REPORT FINAL REPORT
ON ON
MANAGEMENT MANAGEMENT
THESIS 1THESIS 1
SRINIVASARAO.G 7NBGU068
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A STUDY ON CUSTOMER
A STUDY ON CUSTOMER
PERCEPTIONPERCEPTION ON CREDIT
ON CREDIT
CARD SERVICES CARD SERVICES
OFFERED BY HDFC OFFERED BY HDFC
BANK.BANK.
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OBJECTIVESOBJECTIVES
• To know the requirements for Credit card services offered by HDFC Bank.
• To know the types of credit cards offered by HDFC Bank
• To know the executives involvement in providing credit cards by HDFC Bank.
• To know the customer perception on credit cards offered by HDFC Bank.
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LIMITATIONSLIMITATIONS
The biggest constraint to this survey is the time element. Bank Customers are very busy and unable to share their opinions on credit cards thus the survey demands more time but the survey is restricted to less time.
• Mainly private sector bank customers are furious on credit card a service that's why they didn't cooperate with adequately.
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RESEARCH METHODOLOGYRESEARCH METHODOLOGYPROCEDURES FOR SURVEYS:
Statistical tools - Pie charts, bar charts Research instrument - Questionnaire Contact method - Personal interview
Sample unit : HDFC CREDIT CARDS.Sampling area : Guntur
DATA COLLECTION: Primary data Secondary data
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INTRODUCTIONINTRODUCTIONReserve Bank of India (RBI 1935). State Bank of India (July 1955). Nationalization (Indira Gandhi) - 14 Banks in 1969 - 6 Banks in 1980 L P G in 1990 (P.V. Narasimharao). GTB, UTI, ICICI, HDFC. Now 88 SCB’s, 28 PSB’s, 29 Private Banks. 53,000 Branches, 17000 ATM’s. in India.
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COMPANY PROFILECOMPANY PROFILE
• HDFC Bank Inc in 1994.• 738 Branches, 1678 ATM’s, 260 Town & cities.• Jagdish capoor (Chairman), Aditya Puri (M.D).• Business Banking – Working Capital • Personal Banking _ Debit card services _ Credit card services
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No. of the Customers
0
20
40
60
80
Satisfied Unsatisfied
Satisfied
Unsatisfied
Satisfaction level on dispatch of transaction statements
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Using of tenureUsing of tenure
No. of the Customers
Less than 1 year
1 to 3 years
3 years above
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Type of cardType of card
0
1 0
2 0
3 0
4 0
5 0
6 0
7 0
G o ld c a r d S i lv e r C a r d
U s e r s O f C a r d
P e r c e n t a g e O f T h eU s e r s
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Level of satisfaction on credit Level of satisfaction on credit periodperiod
No. of the Customers
0
20
40
60
80
Satisfied Dis satisfied
Satisfied
Unsatisfied
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Level of satisfaction on rate of Level of satisfaction on rate of interestinterest
No. of the Customers
0%
20%
40%
60%
80%
100%
Satisfied Unsatisfied
Satisfied
Unsatisfied
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Level of satisfaction on Level of satisfaction on customer care servicescustomer care services
No. of the Customers
0
20
40
60
80
Satisfied Dis satisfied
Satisfied
Un satisfied
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Level of satisfaction on credit Level of satisfaction on credit card servicescard services
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FINDINGSFINDINGS• In the customer point of view the
documentation charges are high compare to other banks
• The payment mode not flexible to the customers.
• The customers are much more troubled on credit cards why so charges on the credit cards as well as way of collecting.
• Customers are unknown the transferring method of balances.
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SUGGESTIONS SUGGESTIONS The awareness should create among the people about the credit cards. Offers should be provided to the customers to increase the more use of credit cards. The company has to liberalize the documentation process to attract the more no. of customers
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CONCLUSIONCONCLUSIONHere the impact should be positive and negatively.Mainly the impact of the credit cards should be from any loans as well as bank accounts rather than other retail products.There is a negative opinion of rate of interest as well as way of collecting .
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SRINIVASARAO.
G
7NBGU068