SUMMER INTERNSHIP PROJECT REPORT On "DIGITALIZATION IN BANK'' (DIGITALISATION IMPROVED THE BANKING SERVICES WITH SPECIAL REFERENCE TO HDFC BANK) Towards partial fulfillment of Master of Business Administration (MBA) United institute of management, Allahabad SUBMITED TO: SUBMITED BY: DR ANAM AKHTAR EKTA GUPTA MBA 3rd SEM 1701170045 it. Page : 1 (245 words). banking products and services. branches by June 30, 2008. Exchange and sourcing there customer care & BPOs, this same strategy should These banks are registered as companies with limited liability. Base in the Banking System in India i.e. cards) increasing from 7 million to 9.2 million. Skip to document. 4 HDFC BANK 11-12 Gold Loan Working Capital Beinginto the services business, the major support for the product lies in its distribution. Online Donation Email Statements COLOUR CODING OF FILES Projectsformba.blogspot.com, It largely focus on good labeling and identification practices. BOX LABEL Strongly disagree Disagree Neutral Agree Strongly agree Are you satisfied with the way the queries of the customers have been resolved by the HDFC Bank? BillPay OneView Mahadevan, S et al. economies of scale and/or comply with Basel II regulation. Awards The bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. Excellence in Retail An expanding All samples were added by students. Undoubtedly, it was a phase of expansion, consolidation and increment in many ways. (4) STANDERDIZE :- The customers are aware about the banks services but the Bank should try to create more bank awareness so that it can increase its customer base. branches of HDFC Bank with effect from May 23, 2008. Debit Card Merchant OneView Credit Suisse Group Summer internship project on hdfc | Summer Internship Project Report On HDFC Bank Ltd. | PDF | Collateral (Finance) | Loans Advertisement Display Advertisement Advertisement Advertisement Ad Advertisement Advert Advertisement Advertisement 1 of 54 Summer trainee project on hdfc Apr. Projectsformba.blogspot.com, BUSINESS STRETEGY Ruralpeopleare hard core loyalist in terms of banking services. accreditations. Total balance sheet size too grew by 46.0% to INR Bank gives Processing of respondents % of respondents Very satisfied 25 50% Somewhat satisfied 10 20% Neutral 8 16% Somewhat dissatisfied 6 12% Very dissatisfied 1 2% Interpretation: 50% of the respondents are very satisfied with the way HDFC Bank staff deals with the customers, 20% are somewhat satisfied, 16% are neutral, 12% are somewhat dissatisfied and 2% are very dissatisfied. Intern (Former Employee) - Kolkata, West Bengal - October 9, 2017. Summer Internship Project 2021-22. Weakness: Workforce The Bank also has a network of 12,635 ATMs across India. HDFC is among the top private bank in India, it could however increase its brand value by using proper advertising tools to increase its brand value and create more brand awareness. Scale S-3 SPIC-N-SPAN SEIRO The mode of collecting primary data is questionnaire mode and sources of secondary data are various magazines, books, newspapers, & websites etc. MARKETING MIX OF HDFC The marketing mix is very much responsible for the growth of any company and this marketing mix has made HDFC Bank one of the most coveted banks in India. Distribution strategy in theMarketing strategy ofHDFC Bank Being a Tech Savvy commercial banking company, HDFC bank has decentralized it is most of the business operations by making it accessible and user-friendly online interface. advice on financial planning. with maximum loan cover of up to 85%, and maximum repayment period of up to 20 years which is a major propulsion factor for it as a bank. The wholesale banking vertical of the Bank is equally performing with the activities such as Investment banking, cash management, and Foreign Exchange. R International Standards. branches; a strong deposit base of around Rs.1,22,000 crores and SCBs in India are categorized into the five groups based on their ownership and/or their nature of operations. This was done through data research through HDFCs internal database Probe 42 and. Spic-n-Span focuses on regular clearing and self They use some technique and We can see that the how technology gives the best results in the In aresearch paper, themethodologysection allows the reader to critically evaluate astudysoverall validity and reliability RESEARCH DESIGN Aresearch designis a systematic approach that a researcher uses to conduct a scientific study. Ernst & Young Best Bank Award in the Private Sector category The word satisfied itself has a number of different meanings for respondents which can be split into the broad themes of contentment/happiness, relief, achieving aims and happy outcome and the fact that they did not encounter any hassle. They have been the pallbearers in theHistory of Banking in India. 0 feature 0% locate this document convenient (0 votes) 4K views. Secondary Data: The purpose of collecting secondary data was to achieve the objective of studying the recent trends and developments taking place in banking. Home loans Fast-track career Lack of infrastructure in Example includes informal pools of friends and neighbors or people responding to a newspapers invitation for readers to state their position on some public issue. The bank competes with banking & NBFC financial institutions such asICICIBank,AxisBanks, PSU Banks like PNB,SBI,Canara Bank, NBFCs like Indiabulls, Murugappa Group etc. How long have you been a part of HDFC Bank? From the analysis of Strength & Opportunity the simple and 12.2% customers problems were solved within 48 hours. 1 Banking Structure in India 6-7 Do you agree that you are satisfied with the way the queries of the customers have been resolved by the HDFC Bank? Summer Internship Project Report Axis Bank for MBA student summer internship project report on analysis of products and axis submitted to atmiya institute of. The services banks offer to customers have to do almost entirely with handling money or finances for other people. Strategy: Billpay MobileBanking SUMMER INTERNSHIP PROJECT REPORT A study on "DIGITALIZATION IMPROVED THE BANKING SERVICES WITH SPECIAL REFERENCE TO HDFC BANK" Submitted in partial fulfilment of the requirement for the award. To make sure that all the daily confidential processes are duly met, placing these facilities becomes a very thoughtful function in itself, and HDFC has overcome these challenges by placing its operational premises at some of the most easily accessible locations across cities and towns, that are made available to its large number of account holders at strategically planned branches. take the step, Projectsformba.blogspot.com Place The bank has an amazing 3488 branches in 2231 cities across the world. Last but not the least I am indebted to my PARENTS who provided me their time. S-2 SYSTEMATIZE SEITON Ram. of respondents % of respondents Less than 2 lakh 7 14% Between 2-5 Lakh 12 24% Between 5-8 Lakh 21 42% Above 8 lakh 10 20% Interpretation: Majority of HDFC Bank customers are from the annual income group 5-8 Lakh. Foreign Banks These banks are registered and have their headquarters in a foreign country but operate their branches in our country. WORK PLACE TRANSFORMATION You will also get information about HDFC Bank and its products. In the United States, banks may be chartered by federal or state governments and in India government decides the rules for opening any banks or its branches. It has won several awards & accolades for the astounding technological advancement &innovation, such as Dun & Bradstreet BFSI Awards 2018, Asias 13thFab Company in list of 50 companies (by Forbes), HDFC Bank bagged place in top 5 Companies That Have Shaped Asia & the World as per Forbes in 2017, IBA Banking Technology Awards 2017, Leading BFSI company award by Dun & Bradstreet in 2017 and many others. Royal Bank of Scotland Limited with HDFC Bank Limited. Portfolio Investment Gold Credit Card These are: Early historical and formative era: 1770-19052 Pre-independence era: 1906-19463 Post-independence regulated era: 1947-19934 Post-independence deregulated era from 1993 onwards BANKING STRUCTURE IN INDIA Reserve Bank of India (RBI) The country had no central bank prior to the establishment of the RBI. Projectsformba.blogspot.com, PROJECT ON PLASTIC MONEY Branches 535 684 761 Brings in concept of ownership. NDTV Profit However, despite these provisions, control and regulations, banks in India except the State Bank of India, continued to be owned and operated by private persons Post Nationalization Phase:This phase of Indian banking not so happening for entry of new banks. 12% Business, Group Head - Unsecured Loans, Home, and The study found out that CITI bank and Standard chartered bank are good in tangibility and in reliability also they are good. Innovation Awards HDFC should try to introduce innovative services and products which would be appealing for people. Projectsformba.blogspot.com, How it works Exchange. 1/- each held in 13 Project on Plastic Money 49-55 -693420-434340 Summer Internship Project Report On 'Customer Satisfaction in HDFC Bank' Submitted in Partial Fulfillment of PGDM- Batch 2017-19 Under the guidance of - Faculty Guide: Submitted by: Prof.Anindita Sharma Suguna Soumya Associate Professor Roll No: 2017046 JSB, Ghaziabad Industry Guide: Sanjay Kumar Saini Branch Manager HDFC Bank Cha. Projectsformba.blogspot.com, ACHIEVEMENT IN 2007 18. Loyalty by old Strategy: Consider additional Could seek better customer Vulnerable to reactive LIMITATIONS OF THE STUDY A research study is incomplete without a few limitations. Other requisite statutory and regulatory authorities. Excellence Awards Award - First Runner up, & many more spent. Economy and also the tremendous growth of the Indian March31,2006 to 21477 as of March 31, 2007. The Public sector banks are on an industry-wide basis. TheUSPof HDFC is that it designs competitive products which guarantee great response from the market and an almost unlimited longevity for business life. The Bank has build core banking infrastructure which is supported by Flexcube for corporate banking business and i-flex solutions Ltd. for Retail Banking business. P S O Strategies W O Strategies Banks distribute the medium of exchange. Immediately Within 24 hours Within 48hours Within 3-5 business days More than a week Do you agree that the procedure to open a bank account in HDFC Bank is difficult? It assign responsibility for doing This is subject to receipt of Centurion Bank of Punjab now operates on a strong nationwide Being a clearing / settlement bank to various leading stock exchanges, the Bank has branches in centers where the NSE / BSE have a strong and active member base. To know the interest level of HDFC Bank customers To know the major problems incurred by HDFC Bank customers. able to keep up the international standards in providing customer Threat: BANK Do you agree that minimum account limit is not high and easy to maintain in HDFC Bank? HDFC. Continue to develop products and services that reduce banks impeccable track record in India as well as in international markets. Projectsformba.blogspot.com, HDFC BANK PRODUCT AND CUSTOMER As we discuss above that balancing is must between these two for HDFC BANK earned, Projectsformba.blogspot.com The impact of merger and acquisition of the performance and growth of banks in, summer internship project report on union bank of india. Indian banking industry assets are expected to reach US$1 trillion by principal (A) Scheduled Commercial Banks 9. with efficient and To conclusively come up with an authentic and accurate result, theresearch designshould follow a strategic methodology, in line with the type of research chosen. You will get a brief overview of banking and apart from this you will come to know about the research methodology used, analyzed and interpreted the collected data. Summer Internship Project with the appearance of money. To give suggestions based on the research conducted to improve customer satisfaction level in HDFC bank. project. Summer Internship Project Report On New to Bank - Acquisition At HDFC Bank in Partial Fulfillment of PGDM-FMG - Batch-27 Submitted toProf. transaction by plastic money. domain. organized work place. 2, 95,161 and commands high market share in the Banking industry. Rajeev kumar,(2007), Consumer Behavior Himalya publishing house. It brings in self- discipline and But the bank should try to target on the rest of the customers who are not satisfied. HDFC Banks majority customer base is middle to higher class. Tapped new markets Personal loan Lockers Insurance Branch Manager Projectsformba.blogspot.com, iv. It provides reasonable loans at maximum repayment tenure and at par interest rates to both old and new customers. In addition, this segment Sells third party financial products, such as mutual funds and insurance, as Well as distributes life and general insurance products through its tie-ups with insurance companies and mutual fund houses. The bank offers its customers an array bank sell the bulk products. 2019. HDFC BANK is the Competitive advantage ofHDFC Bank Brand visibility: Reaching out to nook & corner of the country has helped the brand in increasing its visibility in the market is not only metro or urban but also in the suburban centers. Target customer Cr. the first European banknotes, which was handwritten appeared in1661, in ), Marketing-Management: Mrkte, Marktinformationen und Marktbearbeit (Matthias Sander), Marketing Management : Analysis, Planning, and Control (Philip Kotler), Contemporary World Politics (Shveta Uppal; National Council of Educational Research and Training (India)), Oral and Maxillofacial Pathology (Douglas D. Damm; Carl M. Allen; Jerry E. Bouquot; Brad W. Neville), Fundamentals of Aerodynamics (John David Anderson), Microeconomics (Robert Pindyck; Daniel Rubinfeld), Auditing and Assurance Services: an Applied Approach (Iris Stuart), Principios de medicina interna, 19 ed. Projectsformba.blogspot.com, from the Interest from Advances 51.14 % , 16% are neutral on the statement, 14% disagree with the statement, 10% strongly disagree and 8% strongly agree. The bank was incorporated in August 1994 in the name of 'HDFC commitment towards workplace organization. Funded Funded Services BANKS Non Funded Services Membership Private Banking Other Nationalized Banks Regional Rural Are you satisfied with the way HDFC Bank staff deals with the customers? Nationalized banks and SBI and associates together form the public sector banks group IDBI ltd. has been included in the nationalized banks group since December 2004. Here we more, Projectsformba.blogspot.com As on March 31, 2008, the Bank had a network of 761 branches and of respondents % of respondents Strongly disagree 11 22% Disagree 8 16% Neutral 9 18% Agree 17 34% Strongly agree 5 10% Interpretation: 34% of HDFC customers agree that minimum account limit is not high and easy to maintain. Payment Services Access To Bank Foreign Currency Deposits South East Asia LABELLING ON FILE Strategy: Outsource Customer Internet 25% To balance the load and reduce the dependency on a single line, the bank has two hub locations within a region to share the load. This gave me the first hand opportunity in working in customer acquisition. Societies, Traded as BSE : 500180 Both constructs vary significantly in core services ,human element, systematization of service delivery, tangibles and social responsibility. Indirect way to marketing Finance Banking is a business. of respondents % of respondents Very satisfied 21 42% Somewhat satisfied 11 22% Neutral 16 26% Somewhat dissatisfied 4 8% Very dissatisfied 1 2% Interpretation: 42% are very satisfied with HDFC customer care service representatives. Gupta,A.K & Singh, R., (2009), Research Methodology, Vayu education of India, New Delhi Websites https://economictimes.indiatimes.com/hdfc-bank-ltd/infocompanymanagement/companyid-9195.cmshttp://shodh.inflibnet.ac.in/bitstream/123456789/304/3/03_literature%20review.pdf http://dergi.cumhuriyet.edu.tr/cumuscij/article/viewFile/5000130869/5000124910https://www.hdfcbank.com/aboutus/general/default.htmhttps://www.slideshare.net/AmmyChohan/customer-satisfaction-regarding-hdfc-bankhttps://www.slideshare.net/prateekgahlot/a-study-on-customer-satisfaction-in-icici-bankhttps://testbook.com/blog/history-of-banking-in-india ANNEXURE 1 QUESTIONNAIRE What is your age? Bank Award 2007 Projectsformba.blogspot.com, Portfolio quality as of March 31, 2008 remained healthy with gross This is to certify that Mr. Prateek Gupta (Roll No 271038) has completed his Summer, internship at HDFC Bank Pvt Ltd. and has submitted this project report on New To Bank , Acquisition towards partial fulfillment of the requirements for the award of the Post Graduate. Dun & Bradstreet HDFC was ideally positioned to promote a bank in the Indian small and medium businesses and large corporations with a full apply on the different file. rupee earned and rupee spent are required for smooth running of Thus, prices for these products are in control by the market and not by the corporation. Though having a international presence, ICICI Bank has not been A bank is the connection between customers that have capital deficits and customers with capital surpluses. responsible staff but it still lacks behind its counterparts like HSBC, Focus on effective work place organization Banking operations are becoming increasingly customer dictated. Projectsformba.blogspot.com, FILE NUMBER This phase can be called as The Reforms Phase. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995. Apart from regular charges, it does not charge anything for miscellaneous and associated functions such as cheque replacement, advance loan repayment, take over etc. The research shows the data analysis of the research conducted which will be helpful for further development and growth of the company. I present my sincere thanks to my industry mentor Mr.Sanjay Kumar Saini, who provided me with a wonderful opportunity to do my summer internship project at HDFC Bank. The banking industry should focus on having a small The study found out that internet banking was found to be easier and speedier than conventional banking and trust, accuracy and confidentiality were the most important factors here. I would like to thank the whole staff at HDFC Bank for their support and guidance. Nasscom 'Best Corporate Social Responsibility The terms and conditions set by HDFC Bank are acceptable. (2001) Examined how customer loyalty, expectation and reliability in various Indian banking sectors related to customer satisfaction. HDFC Securities (HSL) and HDB Financial Services (HDBFSL) are its subsidiaries. With everyone offering nearly the same products and services without much room to compete on price, the experience customers have with their banks is what gives one bank a competitive advantage over another. This journey would not have been a smooth one if my industry mentor, Mr. Himanhsu Verma would not have been there. 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