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1. INTRODUCTION

INTRODUCTION TO BANKING

Banking means accepting the deposits from the customers for lending to the needy
and extending the other services as to issue of demand draft etc. nowadays after
introduction of private sector banks the banks have become a profit centre and the
functions changed and now banks are also providing insurance and mutual funds. But
nationalized banks are still service oriented in extending loans for Education loan, and
rural development activities. A Bank is an organization which lends money to the
borrowers for a purposeful task, and provides a facility to deposit and withdraw
money when needed and charge for it.

HISTORY OF BANKING IN INDIA

Phase I: The General Bank of India was set up in the year 1786. Next came Bank of
Hindustan and Bengal Bank. The East India Company established Bank of Bengal
(1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and
called it Presidency Banks. These three banks were amalgamated in 1920 and
Imperial Bank of India was established which started as private shareholders banks,
mostly Europeans shareholders. In 1865 Allahabad Bank was established and first
time exclusively by Indians, Punjab National Bank Ltd. was set up in 1894 with
headquarters at Lahore. Between 1906 and 1913, Bank of India, Central Bank of
India, Bank of Baroda, Canara Bank, Indian Bank, and Bank of Mysore were set up.
Reserve Bank of India came in 1935. During the first phase the growth was very slow
and banks also experienced periodic failures between 1913 and 1948. There were
approximately 1100 banks, mostly small. To streamline the functioning and activities
of commercial banks, the Government of India came up with The Banking Companies
Act, 1949 which was later changed to Banking Regulation Act 1949 as per amending
Act of 1965 (Act No. 23 of 1965). Reserve Bank of India was vested with extensive
powers for the supervision

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n of banking in India as the Banking Authority. During those days public has lesser
confidence in the banks. As an aftermath deposit mobilization was slow. Abreast of it
the savings bank facility provided by the Postal department was comparatively safer.
Moreover, funds were largely given to traders.

Phase II: Government took major steps in this Indian Banking Sector Reform after
independence. In 1955, it nationalized Imperial Bank of India with extensive banking
facilities on a large scale especially in rural and semi-urban areas. It formed State
Bank of India to act as the principal agent of RBI and to handle banking transactions
of the Union and State Government all over the country. Seven banks forming
subsidiary of State Bank of India was nationalized in 1960 on 19th July, 1969, major
process of nationalization was carried out. It was the effort of the then Prime Minister
of India, Mrs. Indira Gandhi. 14 major commercial banks in the country were
nationalized. Second phase of nationalization Indian Banking Sector Reform was
carried out in 1980 with seven more banks. This step brought 80% of the banking
segment in India under Government ownership. The following are the steps taken by
the Government of India to Regulate Banking Institutions in the Country:

1949: Enactment of Banking Regulation Act.

1955: Nationalization of State Bank of India.

1959: Nationalization of SBI subsidiaries.

1961: Insurance cover extended to deposits.

1969: Nationalization of 14 major banks.

1971: Creation of credit guarantee corporation.

1975: Creation of regional rural banks.

1980: Nationalization of seven banks with deposits over 200 crore.

After the nationalization of banks, the branches of the public sector bank India rose to
approximately 800% in deposits and advances took a huge jump by 11,000%.
Banking in the sunshine of Government ownership gave the public implicit faith and
immense confidence about the sustainability of these institutions.

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Phase III: This phase has introduced many more products and facilities in the banking
sector in its reforms measure. In 1991, under the chairmanship of M Narasimham, a
committee was set up by his name which worked for the liberalization of banking
practices. The country is flooded with foreign banks and their ATM stations. Efforts
are being put to give a satisfactory service to customers. Phone banking and net
banking is introduced. The entire system became more convenient and swift. Time is
given more importance than money. The financial system of India has shown a great
deal of resilience. It is sheltered from any crisis triggered by any external
macroeconomics shock as other East Asian Countries suffered. This is all due to a
flexible exchange rate regime, the foreign reserves are high, the capital account is not
yet fully convertible, and banks and their customers have limited foreign exchange
exposure.

BANKING STRUCTURE IN INDIA

SCHEDULED BANKS IN INDIA

A) Scheduled Commercial Banks

Public sector Private sector Foreign sector Regional Rural

Banks Banks Banks in India Bank
(28) (27) (29) (102)
• Nationalized
Bank
• Other Public
Sector Banks
(IDBI)
• SBI and its
Associates

(B) Scheduled Cooperative Banks

Scheduled Urban Cooperative Banks (55) Scheduled State Cooperative Banks (31)

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Here we more concerned about private sector banks and competition among them.
Today, there are 27 private sector banks in the banking Sector: 19 old private sector
banks and 8 new private sector banks. These new banks have brought in state-of-the-
art technology and aggressively marketed their products. The Public sector banks are
facing a stiff competition from the new private sector banks. The banks which have
been setup in the 1990s under the guidelines Of the Narasimham Committee are
referred to as NEW PRIVATE SECTOR BANKS.

INDIAN BANKING INDUSTRIES

The Indian banking market is growing at an astonishing rate, with Assets expected to
reach US$1 trillion by 2010. An expanding Economy, middle class, and technological
innovations are all Contributing to this growth.

The country’s middle class accounts for over 320 million people. In correlation with
the growth of the economy, rising income levels, increased standard of living, and
affordability of banking products are promising factors for continued expansion.

The Indian banking Industry is in the middle of an IT revolution, focusing on the

expansion of retail and rural banking. Players are becoming increasingly customer -
centric in their approach, which has resulted in innovative methods of offering new
banking products and services. Banks are now realizing the importance of being a big
player and are beginning to focus their attention on mergers and acquisitions to take
advantage of economies of scale and/or comply with Basel II regulation. “Indian

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banking industry assets are expected to reach US$1 trillion by 2010 and are poised to
receive a greater infusion of foreign capital,” says Prathima Rajan, analyst in Celent`s
banking group and author of the report. “The banking industry should focus on having
a small number of large players that can compete globally rather than having a large
number of fragmented players."

UPCOMING FOREIGN BANKS IN INDIA

By 2009 to 2010 few more names is going to be added in the list of foreign banks in
India. This is as an aftermath of the sudden interest shown by Reserve Bank of India
paving roadmap for foreign banks in India greater freedom in India. Among them is
the world's best private bank by Euro Money magazine, Switzerland's UBS.

The following are the list of foreign banks going to set up business in India:-

• Royal Bank of Scotland

• Switzerland's UBS

• US-based GE Capital

• Credit Suisse Group

• Industrial and Commercial Bank of China

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 2. COMPANY PROFILE

The Housing Development Finance Corporation Limited (HDFC) was amongst the
first to receive 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. The bank was incorporated in August 1994 in the name of
'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC Bank
commenced operations as a Scheduled Commercial Bank in January 1995.

HDFC is India's premier housing finance company and enjoys an impeccable track
record in India as well as in international markets. Since its inception in 1977, the
Corporation has maintained a consistent and healthy growth in its operations to
remain the market leader in mortgages. Its outstanding loan portfolio covers well over
a million dwelling units. HDFC has developed significant expertise in retail mortgage
loans to different market segments and also has a large corporate client base for its
housing related credit facilities. With its experience in the financial markets, a strong
market reputation, large shareholder base and unique consumer franchise, HDFC was
ideally positioned to promote a bank in the Indian environment.

HDFC Bank began operations in 1995 with a simple mission: to be a “World Class
Indian Bank.” We realized that only a single minded focus on product quality and
service excellence would help us get there. Today, we are proud to say that we are
well on our way towards that goal. HDFC Bank Limited (the Bank) is an India-based
banking company engaged in providing a range of banking and financial services,
including commercial banking and treasury operations.

BUSINESS FOCUS

HDFC Bank's mission is to be a World-Class Indian Bank. The objective is to build

sound customer franchises across distinct businesses so as to be the preferred provider
of banking services for target retail and wholesale customer segments, and to achieve
healthy growth in profitability, consistent with the bank's risk appetite. The bank is
committed to maintain the highest level of ethical standards, professional integrity,
corporate governance and regulatory compliance. HDFC Bank's business philosophy

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is based on four core values - Operational Excellence, Customer Focus, Product
Leadership and People.

1. Mission

 World Class Indian Bank

 Benchmarking against international standards.
 To build sound customer franchises across distinct businesses.
 Best practices in terms of product offerings, technology, service levels, risk
management and audit.

2. Vision

The HDFC Bank is committed to maintain the highest level of ethical standards,
professional integrity and regulatory compliance. HDFC Bank’s business philosophy
is based on four core values such as:-

 People.
 Product leadership.
 Customer Focus.
 Operational excellence.

The objective of the HDFC Bank is to provide its target market customers a full range
of financial products and banking services, giving the customer a one-step window for
all his/her requirements. The HDFC Bank plus and the investment advisory services
programs have been designed keeping in mind needs of customers who seeks distinct
financial solutions, information and advice on various investment avenues.

3. Business strategy

 Increasing market share in India’s expanding banking

 Delivering high quality customer service
 Maintaining current high standards for asset quality through disciplined credit
risk management
 Develop innovative products and services that attract target customers and
address inefficiencies in the Indian financial sector.

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4. Acquisitions and Mergers

In a milestone transaction in the Indian banking industry, Times Bank Limited

(promoted by Bennett, Coleman & Co. / Times Group) was merged with HDFC Bank
Ltd., in 2000. This was the first merger of two private banks in India. As per the
scheme of amalgamation approved by the shareholders of both banks and the Reserve
Bank of India, shareholders of Times Bank received 1 share of HDFC Bank for every
5.75 shares of Times Bank. In 2008 HDFC Bank acquired Centurion Bank of Punjab
taking its total branches to more than 1,000. The amalgamated bank emerged with a
strong deposit base of around Rs.1, 22,000 crore and net advances of around
Rs.89000 crore. The balance sheet size of the combined entity is over Rs.1, 63,000
crore. The amalgamation added significant value to HDFC Bank in terms of increased
branch network, geographic reach, and customer base, and a bigger pool of skilled
manpower. The mergers can be termed as a quest for growth in the Indian banking
environment.

5. Distribution Network

HDFC Bank is headquartered in Mumbai. As of September 30, 2020, the Bank's

distribution network was at 5,430 branches across 2,848 cities. All branches are
linked online on a real-time basis. Customers across India are also serviced through
multiple delivery channels such as Phone Banking, Net Banking, Mobile Banking,
and SMS based banking. The Bank's expansion plans take into account the need to
have a presence in all major industrial and commercial centers, where its corporate
customers are located, as well as the need to build a strong retail customer base for
both deposits and loan products. Being a clearing / settlement bank to various leading
stock exchanges, the Bank has branches in centres where the NSE / BSE have a strong
and active member base. The Bank also has a network of 15,292 ATMs across India.
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.

2017 2018 2019 2020

CITIES 2,669 2,748 2,768 2,848
BRANCHES 4,729 5,103 5,314 5,430

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ATM’s 12,259 13,160 13,514 15,292

6. Capital structure
As on 30-June-2019, the authorized share capital of the Bank is Rs. 650 crore. The
paid-up share capital of the Bank as on the said date is Rs. 546,56,24,542 /-.

The shares are listed on the BSE Limited and The National Stock Exchange of India
Limited. The Bank's American Depository Shares (ADS) are listed on the New York
Stock Exchange (NYSE) under the symbol 'HDB' and the Bank's Global Depository
Receipts (GDRs) are listed on Luxembourg Stock Exchange under ISIN No
US40415F2002.

KEY EXECUTIVES

You can view name of Chairman, CEO, CFO, Management Team, Board of Directors
and Key Executives of HDFC Bank Ltd.

Name Designation

Aditya Puri MD & Director

Sashidhar Jagdishan Chief Financial Officer
Abhay Aima Group Head of Equities, Private Banking,
Third Party Products, NRI & International
Consumer Business
Atul Sadashiv Barve Executive VP & Regional Head of Branch
Banking

Smita Bhagat Group Head of Branch Banking,

Government & Institutional Business –
E-commerce

Kaizad Maneck Bharucha Executive Director

Nitin Chugh Group Head of Digital Banking

Benjamin Frank Senior Executive Vice President

Arvind Kapil Group Head of Unsecured Loans, Home
& Mortgage Loans

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 Awards

YEAR 2020

ET Innovation Awards 2020 Marketing and Brand Innovation of the Year Award
Asiamoney Asia's Outstanding Most Outstanding Company - Financial Sector
Companies Poll 2019?
2020 BrandZ™ Top 75 Most HDFC Bank ranked India’s Most Valuable Brand for
Valuable Indian Brands the 7th consecutive year
Euro money (Global) Awards For Lifetime Achievement Award - Aditya Puri
Excellence 2020
Finance Asia Country Awards Best Bank in India
2020
Euromoney Awards for Excellence India’s Best Bank
2020
Great Place To Work HDFC Bank certified as a ‘Great Place to Work’ for
2020
Asiamoney Best Bank Awards HDFC Bank adjudged Best Domestic Bank in India
2020
Business Today 18th Best HDFC Bank Among Top 10 Best Companies to work
Companies to work for in India for in India
Survey
HDFC Bank voted ‘Best Best Managed Company- Ranked 1st
Managed’, ‘Best Governed’ Indian Best Corporate Governance- Ranked 1st 
Company Best CEO- Aditya Puri, MD ranked 1st
Best Environmental Stewardship- Ranked 2nd
Dun & Bradstreet BankTech India’s Leading Private Bank – BFSI
Awards 2020 Best Use of Banking Technology - Data
Analytics/BI/Big Data (Joint Winner with SBI)
Best Use of Banking Technology - API Open
Banking
CNBC-TV18 India Business HDFC Bank - Outstanding Company of the year
Leader Awards (IBLA) 2019-20 award

TECHNOLOGY USED IN HDFC BANK

In the era of globalization each and every sector faced the stiff competition from their
rivals and world also converted into the flat from the globe. After the policy of
liberalization and RBI initiatives to take the step for the private sector banks, more
and more changes are taking the part into it. That creates competition between the

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private sector banks and public sector bank. Private sector banks are today used the
latest technology for the different transaction of day to day banking life. As we know
that Information Technology plays the vital role in the each and every industry and
gives the optimum return from the limited resources. Banks are service industry and
today it gives the innovative Technology application to Banking industries. HDFC
BANK is the leader in the industries and today IT and HDFC BANK together
combined they reached the sky. New technology changed the mind of the customers
and changed the queue concept from the history banking transaction. Today there are
different channels are available for the banking transactions. There are drastically
changes seen in the use of Internet banking, in a year 2001 (2%) and in the year 2008
(25%). This type of technology gives the freedom to retail customers.

Centralized Processing Units  Units Derived Economies of Scale

Electronic Straight Through Processing  Reduced Transaction Cost
Data Warehousing , CRM  CRM Improve cost efficiency,
Cross sell
Innovative Technology Application  Provide new or superior products

HDFC BANK is the very consistent player in the new private sector banks. New
private sector banks to withstand the competition from public sector banks came up
with innovative products and superior service.

BUSINESS SEGMENT

HDFC Bank offers a wide range of commercial and transactional banking services
and treasury products to wholesale and retail customers. The bank has three key
business segments.

1. Wholesale Banking Services

The Bank's target market ranges from large, blue-chip manufacturing companies in
the Indian corporate to small & mid-sized corporates and agri-based businesses. For
these customers, the Bank provides a wide range of commercial and transactional
banking services, including working capital finance, trade services, transactional

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services, cash management, etc. The bank is also a leading provider of structured
solutions, which combine cash management services with vendor and distributor
finance for facilitating superior supply chain management for its corporate customers.
Based on its superior product delivery / service levels and strong customer
orientation, the Bank has made significant inroads into the banking consortia of a
number of leading Indian corporates including multinationals, companies from the
domestic business houses and prime public sector companies. It is recognized as a
leading provider of cash management and transactional banking solutions to corporate
customers, mutual funds, stock exchange members and banks.

2. Retail Banking Services

The objective of the Retail Bank is to provide its target market customers a full range
of financial products and banking services, giving the customer a one-stop window
for all his/her banking requirements. The products are backed by world-class service
and delivered to customers through the growing branch network, as well as through
alternative delivery channels like ATMs, Phone Banking, Net Banking and Mobile
Banking. The HDFC Bank Preferred program for high net worth individuals, the
HDFC Bank Plus and the Investment Advisory Services programs have been designed
keeping in mind needs of customers who seek distinct financial solutions, information
and advice on various investment avenues. The Bank also has a wide array of retail
loan products including Auto Loans, Loans against marketable securities, Personal
Loans and Loans for Two-wheelers. It is also a leading provider of Depository
Participant (DP) services for retail customers, providing customers the facility to hold
their investments in electronic form. HDFC Bank was the first bank in India to launch
an International Debit Card in association with VISA (VISA Electron) and issues the
Mastercard Maestro debit card as well. The Bank launched its credit card business in
late 2001.

3. Treasury

Within this business, the bank has three main product areas - Foreign Exchange and
Derivatives, Local Currency Money Market & Debt Securities, and Equities. With the
liberalization of the financial markets in India, corporates need more sophisticated
risk management information, advice and product structures. These and fine pricing
on various treasury products are provided through the bank's Treasury team. To

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comply with statutory reserve requirements, the bank is required to hold 25% of its
deposits in government securities. The Treasury business is responsible for managing
the returns and market risk on this investment portfolio.

SERVICES PROVIDED BY THE BANK

There are many services provided by the banks to the customers like, saving and
current account, different types of loans, insurance & mutual funds etc.

 ACCOUNTS

Saving Accounts Current Accounts Salary Accounts

Regular Saving A/c Plus current A/c Payroll salary A/c

Saving Plus Accounts Trade current A/c Classic salary A/c
Saving max A/c Premium current A/c Regular salary A/c
Senior citizens A/c Regular current A/c Premium salary A/c
Women’s saving A/c Max current A/c Defense salary A/c
Institutional saving A/c Flexi current A/c Basic saving bank deposit
A/c – Salary
Kids advantage A/c Apex current A/c Reimbursement A/c
Family saving A/c Kisan club A/c
Pension saving A/c

 DEPOSITS

Fixed Deposits Investment & Insurance Forex Services

Regular fixed deposits Mutual Funds Trade Services
5 year tax saving fixed General & health Product & Services
deposit insurance
Super saver facility Tax Planning Branch Locator
Sweep in facility Bonds RBI Guideline
Recurring deposit Knowledge Centre Forex Limits

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Demat account Equities & derivatives
Safe deposit lockers Mudra Gold Bar

Access over the bank

-Net banking
-Credit Cards online
-One view
-InstaAlerts
-Mobile Banking
-Insta query
-ATMs
-Phone Banking
-Email Statement
-Branch network

 LOANS & CARDS

Loans Cards
Credit Cards Debit Cards
Personal Loan Silver Credit card Easy shop Int. debit card
Smart Draft Value plus credit card Easy shop gold card
Home Loans Platinum credit card Int. business card
Two Wheeler loans Visa signature card Pro-Gold card
New car loans World master card NRO card
Used cars loan Purchase card Kisan card
Express loan plus Corporate card
Gold loan Business credit card
Educational loan
Loan against securities
Loan against property
Health Care loan
Working Capital finance

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 DETAILED ANALYSIS OF EVERY SERVICE

1. Accounts

Banking should be effortless. With HDFC Bank, the efforts are rewarding. No matter
what a customer's need and occupational status, we have a range of solutions that are
second to none. Whether you're employed in a company and need a simple Savings
account or run your own business and require a robust banking partner, HDFC Bank
not only has the perfect solution for you, but also can recommend products that can
augment your planning for the future.

 Saving account

A savings bank account is a virtual vault that holds your money, allows you to
withdraw a certain amount from it at certain intervals, and adds to itself a small
amount (as interest) each year.

Regular Saving A/c Saving Plus Accounts Saving max A/c

Senior citizens A/c No frill A/c Institutional saving A/c

Kids advantage A/c Family saving A/c Pension saving A/c

 Current Accounts

HDFC Bank Current Account gives the power of inter-city banking with a single
account and access to more than cities. From special cheques that get treated at par
with local ones in any city where branch, faster collection of outstation cheques
(payable at branch locations), free account to account funds transfer between HDFC
Bank accounts to Free inter-city clearing of up to 100 lakhs per month, bank’s priority
services have become the benchmark for banking efficiency.

Plus current A/c Trade current A/c Premium current A/c

Regular current A/c Max current A/c Flexi current A/c

Apex current A/c

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 Salary Account

In this account customer can get salary from where he/she doing such job and
organization or company at where the customer of the bank in doing job deposit their
salary in to the salary account a person can get salary. Customized salary accounts to
suit the needs of every corporate. Expect benefits beyond the ordinary like our Free
Insurance Cover.

Payroll salary A/c Classic salary A/c Regular salary A/c

Premium salary A/c Defense salary A/c Reimbursement A/c

Basic saving bank deposit A/c – Salary Kisan Club A/c

2. Deposits

 Fixed Deposits

Long-term investments form the chunk of everybody's future plans. An alternative to

simply applying for loans, fixed deposits allow you to borrow from your own funds
for a limited period, thus fulfilling your needs as well as keeping your savings secure.

Super Saver Regular Fixed Deposit

5 Year Tax Saving Fixed Deposit

 Demat account service

Nowadays share market is becoming is the main occupation of the person. So to avoid
faulty processes demat account is really most important for the share market and for
the safety of shares it is most important. HDFC BANK is one of the leading
Depository Participant (DP) in the country with over 8 Lac demat accounts. HDFC
Bank Demat services offers a secure and convenient way to keep track of securities
and investments, over a period of time, without the hassle of handling physical
documents that get mutilated or lost in transit. HDFC BANK is Depository participant

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both with -National Securities Depositories Limited (NSDL) and Central Depository
Services Limited (CDSL).

 Safe deposit locker

A Safe Deposit Locker with HDFC Bank is the solution to person’s fear. Located at
select branches in cities all over the country, bank’s lockers ensure the safe keeping of
valuables. Lockers available in various sizes. i.e. Small, Medium, Large and Extra
Large with varying rents. Eligibility An individual (not minor), firms, limited
company, associations, clubs, trusts, societies, etc may hire a locker.

3. Investment & Insurance

When you bank with us, we ensure your money is not just in safe hands; it also works
to your advantage. We help you invest wisely through our financial and investment
services. Profit from our expertise.

 Mutual Funds

Invest through the Mutual Fund route to meet your varied investment objectives.

 Tax Planning

At HDFC Bank we offer a number of advantageous tax saving investment options.

 Insurance

Life insurance is designed to offer financial protection for you and your family
during the times of uncertainties. Choose from a range of traditional insurance and
unit linked plans designed to help you with your savings, retirement, investment and
protection needs.

Traditional Plans Unit Linked Plans

HDFC Children's Plan HDFC Unit Linked Young Star Plus II

HDFC Money Back Plan HDFC Unit Linked Endowment Plus II

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HDFC Savings Assurance Plan HDFC Unit Linked Enhanced Life Protection II

HDFC Assurance Plan HDFC Unit Linked Pension II

 General & Health Insurance

Complete protection for you business, health, travel & more.

 Bonds

A secure investment avenue giving you stable returns with tax benefits.

 Financial Planning

Start Now...Plan your investments to meet your financial goals

 Knowledge Centre

Profit from our research and make informed investment decisions.

 Equities & Derivatives

Leverage our vast information repository and transact online.

4. Forex and Trade Services

Are you a frequent flyer for business or often holiday abroad? Are you an
importer/exporter of foreign and Indian goods? If you need to deal in foreign currency
and keep tabs on exchange rates every now and then, transfer monies to India, make
payments etc., HDFC Bank has a range of products and services that you can choose
from to transact smoothly, efficiently and in a timely manner.

We offer the following Foreign Exchange Products and Services.

Interest Rate Swaps Currency Swaps

Forward Rate Agreements Interest Rate Options

Currency Options Spot and Forward Transactions

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5. Access over The Banking

 Net Banking

Net Banking lets you manage your account from the comfort of your mouse -
anytime, anywhere.

 Credit Cards Online

Access your Credit Cards account anytime, anywhere.

 Phone Banking

Your phone is now your Bank!

 InstaAlerts

Get regular updates on your bank account on your mobile phone or email ID.

 Mobile Banking

Access your bank account and conduct a host of banking transactions and inquiries
through your mobile, with our unique Mobile Banking service.

 Email Statements

HDFC Bank introduces Email Statements for all its Savings & Current account
holders.

 InstaQuery

Access your bank account and conduct a host of banking transactions and inquiries
through your mobile, with our unique InstaQuery service.

 ATM

24-hour access to cash, view mini-statement, order cheque books, recharge your
prepaid card... all from our wide network of over 15292 ATMs.

 One View

One View is a revolutionary service from HDFC Bank that allows you to manage
multiple accounts in different banks through one single online interface.

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6. Loans

 Personal Loans

A wedding in the family? Maybe your house needs renovation? Our range of Personal
Loans brings you one step closer to your dreams.

 SmartDraft

Need additional funds? SmartDraft offers you an easy- to-use overdraft facility of
upto 3 times your salary

 Home Loans

Get the home of your dreams - with a little help from us.

 Two Wheeler Loans

With flexible payment options and easy repayment, our Two Wheeler Loan offers the
perfect excuse to purchase that bike you've always wanted.

 New Car Loans

Drive away the car of your dreams - with our New Car Loan

 Used Car Loans

Choose any used car manufactured in India and we'll put you in the driver's seat!

 Express Loans

Borrow upto Rs 1,00,000/- for any purpose at low interest rates.

 Gold Loan

With HDFC Bank's Gold Loan, you can get an instant loan against your gold
jewellery and ornaments. The procedure is simple, documentation is minimal and
approval is quick.

 Educational Loans

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Bridging the gap between you and higher education.

 Loans Against Securities

Get an overdraft against your securities like Equity Shares, Mutual Fund Units, GOI
Relief Bonds, LIC Policies, NSC, KVP, UTI Bonds (6.60% ARS Bonds & US64
Bonds).

 Tractor Loans

If you are looking for finance to buy your tractor, you have come to the right place.
We offer hassle-free Tractor laon with the best terms for funding at the most attractive
rates in India.

 Loans Against Property

Get a loan against your residential or commercial property. Flexibility to choose

between an EMI based loan or an Overdraft.

 Working capital finance

We are a bank with substantial appetite for recognized credits. We have a team of
customer- driven relationship managers with wide industry experience in various
segments. We provide

i)Loans from Rs. 1 Lacs onwards depending on your needs.

ii) Avail Loan against wide range of commodities

iii)Funding extended against commodities stocked in a range of different

WH/Godowns.

iv)Attractive interest rates.

v) Quick loan approval process

vi) Avail loan against Demat commodities

vi) Customer privileges - Existing asset relationship customers can avail a special
Top-Up loan facility.

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vii) Stock insurance cover - We also offer you stock insurance facility for commodity
stocked.

Working capital finance by way of cash credit or loans suitably structured for the
transporter to fund day-to-day operations like fuel, tyre replacement, repairs, salary,
maintenance, etc.

7. Cards

Our range of Cards helps you meet your financial objectives. So whether you are
looking to add to your buying power, conducting cashless shopping, or budgeting
your expenditure, you will find a card that suits you. Swipe your card for a secure,
cash-free & rewarding life!

 Credit Cards

Besides arming you with unmatched spending power, our Credit Cards are designed
to meet your unique needs. Choose one that's tailored for you. The best credit cards
are available here, including even the online credit cards service.

Classic Cards Special Benefit Cards

Silver Credit Card Value Plus Credit Card

Premium Cards Commercial Cards

Gold Credit Card Corporate Platinum Credit Card

Titanium Credit Card Corporate Credit Card

Woman's Gold Card Business Credit Card

Platinum Plus Credit Card Purchase Card

Visa Signature re Credit Card Distributor Card

World MasterCard Credit Card

 Debit Cards

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What if you could carry your bank account with you? HDFC Bank Debit Cards give
you complete and instant access to the money in your accounts without the risk or
hassle of carrying cash. Choose from:

Classic Cards Premium Cards

EasyShop International Debit Card EasyShop Gold Debit Card

Specialised Cards

EasyShop International Business Debit Card

EasyShop Woman's Advantage Debit Card

EasyShop NRO Debit Card

Kisan Card

EasyShop Pro Gold Debit Card

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