36538474 Comparative Analysis of Saving Account of HDFC ICICI Bank

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DECLARATION
I Miti Angira declare that the project report entitled “comparison Between Saving
Accounts of HDFC Bank & ICICI Bank” a Research work at HDFC Bank, Kota
The information has been collected from genuine and authentic sources and work
done by me during the academic year 2009-20! This is being submitted in the
partial fulfillment of the re"uirement for the award of degree of the Master of
Business A!ministration "Banast#a$i %niversit&'! The matter embodied in this
report has not been submitted for the award of any other degree or diploma!
Place:
Date: Miti Angira
Banast#a$i vi!#&apit#

1
ACKNOWLEDGEMENT
I wish to e#press my heartfelt thanks to $r! %radip &ingh 'hadoriya (&ales manager)
of *+,- 'ank. /ota! Their cheerful induction of my first 0isit to company1s office
helped me to know about sa0ing 2ccount as a product and the acti0ity I had to
perform!
I want to gi0e my genial and sincere thanks to Mr MK (os#i "Director,
Banast#a$i %niversit&, (aipur'I would like to sincerely thank Mrs )an!ana
(os#i."Hea! of Management Dept. Banast#a$i %niversit&, (aipur' for her
0aluable suggestion and guidance and making it possible for us to accomplish
the project!
I am also thankful to all the other persons of ,inance +epartment!
$y heartfelt gratitude goes to my family members and friends who always inspired
and moti0ate me in carrying out this study!
2bo0e all. I bow my head before 2lmighty “34+5 without whose blessing my
present project would not ha0e e#isted and thanks for gi0ing me patience and
strength to o0ercome the difficulties. which crossed my way in the
accomplishment of this endea0or!
Banast#a$i vi!#&apit#

2

*+,FAC,
$!'!2 curriculum is designed in such a way that student can grasp ma#imum
knowledge and can get practical e#posure to the corporate world in minimum
possible time! 'usiness schools of today reali6e the importance of practical
knowledge o0er the theoretical base!
The research report is necessary for the partial fulfillment of $!'!2! curriculum and
it pro0ides an opportunity to the researcher in understanding the industry with
special emphasis on the de0elopment of skills in analy6ing and interpreting practical
problems through the application of management theories and techni"ues! It is a new
platform of learning through practical e#perience. which incorporates sur0ey and
comparati0e analysis! It gi0es the learner an opportunity to relate the theory with the
practice. to test the 0alidity and applicability of his classroom learning against real
life business situations!

Banast#a$i vi!#&apit#

3
TABLE OF CONTENTS
CONTENT PAGE NO.
1. ACKNOWLWDGEMENT……………………………………....
2
2. I-.+/D%C.I/-
2.1 *I&T4R7 4, I8+I28 '28/I83 I8+9&TR700
2.2 %9':I- &;-T4R '28/&0000000000000
2.3 %RI<2T; &;-T4R '28/&000000000000
2.4 ,I828-I2: $2R/;T&000000000
3. *+/FI1, /F BA-K "HDFC BA-K'
3.1 2'49T *+,- '28/00000000000000
3.2
$2823;$;8T00000000000000000000
3.3 T;-*84:43700000000000000
3.4 2=2R+& 28+ R;-438ITI48&00000000
3.5 %R4+9-T &-4%;……………………………………….
3.6 2--498T& 28+ +;%4&IT&00000000

4. *+/FI1, /F BA-K "ICICI BA-K'
4.1 2'49T I-I-I '28/………………………………………….
4.2 2=2R+& 28+ R;-438ITI48&…………………………..
4.3 T7%;& 4, &2<I83 2--498T&000000
5. +,S,A+CH M,.H/D/1/23000000000
6. LIMITATION………………………………………………………
7. +2T2 -4::2-TI480000000000000
8. 282:7&I& 28+ I8T;R%R;T2TI48000000
9. ,I8+I83&00000000000000000
10. R;-4$$28+2TI48&000000000000
11. -48-:9&I48000000000000000
45 'I'I:I43R2%*70000000000000000000
5
6
8
9

14
16
17
18
20

35
36
38
45
46
47
49
53
54
54
55
Banast#a$i vi!#&apit#

4
INTRODCTION
Banking is the backbone of a o!ern econo"# $ealth of banking in!%str" is one of
the ost i&ortant &re'con!itions for s%staine! econoic &rogress of an" co%ntr"# The
(orl! of banking has ass%e! a ne( !iension at the !a(n of the 21
st
cent%r" (ith the
a!)ent of tech banking* thereb" len!ing the in!%str" a sta& of %ni)ersalit"# In general*
banking a" be classifie! as retail an! cor&orate banking# +etail banking* (hich is !esigne!
to eet the re,%ireents of in!i)i!%al c%stoers an! enco%rage their sa)ings* incl%!es
&a"ent of %tilit" bills* cons%er loans* cre!it car!s* checking acco%nt balances* ATMs*
transferring f%n!s bet(een acco%nts an! the like# -or&orate banking* on the other han!*
caters to the nee!s of cor&orate c%stoers like bills !isco%nting* o&ening letters of cre!it an!
anaging cash#
The In!ian banking scene has change! !rasticall" (ith the &ri)ate sector aking
inroa!s in an area hitherto !oinate! b" large &%blic sector banks# .ro(ing !isin)estent is
likel" to i&act the banking in!%str" as (ell# There is e)er" &ossibilit" of &ri)ati/ation of
&%blic sector banks* lea!ing to greater o&erational a%tono"#
The !e)elo&ent of the In!ian banking sector has been acco&anie! b" the
intro!%ction of ne( nors s%ch as Incoe +ecognition an! -a&ital A!e,%ac"* b" the
go)ernent# The latter i&lies that banks can len! on the basis of their res&ecti)e ca&ital
base# These nors ha)e ca%se! banks to constr%ct e,%it" on their o(n* before going in for
!ebt# Disintere!iation is a real threat for banks# Of late* banks are a!o&ting the 01A
20conoic 1al%e A!!e!3 conce&t (herein re)en%es are )ie(e! in the conte4t of the risk
associate! (ith the#
The Ne( 5orl! or!er has ens%re! 67%r)i)al of the 8ittest6# Ne( ser)ices are the or!er of the
!a"* in or!er to sta" ahea! in the rat race# Banks are no( fora"ing into net banking*
sec%rities* cons%er finance* ho%sing finance* treas%r" arket* erchant banking an!
ins%rance#
Banast#a$i vi!#&apit#

9
!"#$%&' %( I)*"+) B+),")- I)*.#$&'
A banking co&an" in In!ia has been !efine! in the Banking co&anies Act* 1:4: as one
;(hich transacts the b%siness of banking (hich eans the acce&ting* for the &%r&ose of
len!ing or in)estent* of !e&osits of one" fro the &%blic* re&a"able on !ean! or
other(ise an! (ith!ra(als b" che,%e* !raft* or!er or other(ise<
Banking is an i&ortant eleent of econo"=s In!ian banking s"ste o)ert &ast fe(
!eca!es* it has &la"e! )er" effecti)e role in obili/ation of sa)ings of the econo"*
s&rea!ing in banking habit to the f%rthest corner of the co%ntr" an! large entre&rene%rial
base# In!ian banks ha)e %lti&lie! their acti)ities in )ol%e* )ariet" an! geogra&hical base
to eet the gro(ing nee!s of the societ"# The ol! etho!s an! techni,%es re&lace! b" ne(
techni,%es of )iabilit" nee! base! foration of finance schees an! arketing# Instea! of
(orking for &rofits* the" are re,%ire! to &artici&ate in nation b%il!ing acti)ities an! hel& in
bringing socio econoic change#
Banks are ne( centre of tra!e* coerce an! b%siness in a co%ntr"# Banking &la"s a )er"
i&ortant role in the econoic !e)elo&ent of all nation of the (orl!# In!%strial re)ol%tion
that took &lace in the econoic !e)elo&ent of all nations of the (orl!# In!%strial
re)ol%tion that took &lace in 0%ro&ean co%ntries in 1>
th
an! 1:
th
cent%ries (o%l! not ha)e
taken &lace (itho%t the e)ol%tion of goo! banking s"ste# Banking is life bloo! of o!ern
coerce#
It is )er" i&ortant to st%!" the conce&t of ser)ices as banks are categori/e! into ser)ice
sector: ser)ice as !ee!s* &rocesses an! &erforances# The ser)ice sector of an econo" is
going thro%gh a &erio! of alost re)ol%tionar" &ro&ortion in (hich establishe! (a"s of
!oing b%siness contin%e to be sh%nte! asi!e#
The banking s"ste in In!ia constit%tes the core of the financial sector# It &la"s a significant
role in the &rocess of econoic gro(th of the co%ntr"# Its efficienc" an! !e)elo&ent th%s
Banast#a$i vi!#&apit#

?
are )ital for the co%ntr"=s econoic &rogress# -oercial banks are the h%b of the In!ian
financial s"ste# In!ian coercial banks are organi/e! as the @oint stock banks* both in the
&%blic sector an! &ri)ate sector#
P./0"1 #21$%& /+),#
Banking is one of the ost i&ortant eleents of econo"# In!ian banking s"ste o)er &ast
fe( !eca!es has &la"e! a )er" effecti)e role in obili/ation of sa)ings of the econo"
s&rea!ing in banking habit to the f%rthest corner of the co%ntr" an! enlarge! entre&rene%rial
base# In!ian banks ha)e %lti&lie! their acti)ities in )ol%e )ariet" an! geogra&hical
co)erage to eet the gro(ing nee!s of societ"* the ol! etho!s an! techni,%es of )iabilit"
gro(th base! foration of finance schees of arketing# Instea! of (orking for &rofits*
the" are re,%ire! to &artici&ate in the nation b%il!ing acti)ities an! hel& in bringing socio'
econoic change#
Banking transactions carrie! on b" an" in!i)i!%al or fir engage! in &ro)i!ing financial
ser)ices to cons%ers* b%sinesses or go)ernent enter&rises# In the broa! sense* a bank is a
financial intere!iar" that &erfors one or ore of the follo(ing f%nctions: safeg%ar!s an!
transfer of f%n!s* g%arantees cre!it (orthiness an! e4change one"# 7%ch instit%tions as
coercial banks* central banks* organi/ational banks* tr%st co&anies* finance co&anies*
life ins%rers an! in)estent bankers &ro)i!e these ser)ices# A noral en! ean coon
!efinition of a bank is a financial intere!iar" that acce&ts* transfer an! ost i&ortant
creates !e&osits# This incl%!es s%ch !e&osits instit%tes as central banks* coercial banks*
sa)ings an! loan associates an! %t%al sa)ings bank#
Banks are ost fre,%entl" organi/e! in cor&orate for an! o(ne! b" either &ri)ate
in!i)i!%al* go)ernent interests# Altho%gh non cor&orate bank that single &ro&rietorshi& an!
&artnershi& are fin! in other co%ntries since 1>?3 all fe!erall" chartere! bank in the A7 %st
be cor&orations# Onl" a fe( states &erit foration of non cor&orate bank# All co%ntries
s%b@ect their banks* ho(e)er o(ne! to go)ernent reg%lations an! s%&er)ision* norall"
i&leente! b" central banks a%thorities# Bank in In!ia sho%l! !e)elo& a&&ro&riate strateg"
Banast#a$i vi!#&apit#

B
an! ens%re &ro&er arketing strateg" an! istaking into acco%nt the econoic* c%lt%ral*
legal an! &olitical en)ironent# As toa!" in the changes (or! the nee!s are change! as
regar!s to bank as foreign &la"ers#
Marketing conce&t sho%l! be follo(e! (here (e talk abo%t 4 Ps arketing tools in regar!s
to banksC (e sho%l! incl%!e to ore 2 Ps ore* Peo&le an! Proce!%res as (ell# An
intro!%ction of ATM 24 ho%rs online banking transactions etc their goal sho%l! not be of
&rofit it sho%l! be ;gro(th an! !e)elo&ent (ith &rofit<
The ser)ice sector of the econo" is going thro%gh a &erio! of alost re)ol%tionar"
&ro&ortions in (hich establishe! (a"s of !oing b%siness contin%e to be sh%nte! asi!e# It has
been sai! that the onl" &erson in the (orl! (ho a&&reciates changes is (et bab"#
The ser)ice sector can be best characteri/e! b" its !i)ersit"# 7er)ice organi/ation range in
si/e fro h%ge International -or&oration in s%ch fiel!s as airlines* banking* ins%rance*
teleco%nications* an! hotel chain an! freight trans&ortation to a )ast arra" of locall"
o(ne! an! o&erate! sall b%siness an! n%ero%s b%siness to b%siness ser)ices# As c%rrentl"
!efine! b" the go)ernent statistics* ser)ices acco%nt for the t(o thir! to three ,%arters of
the gross national &ro!%ct# Not onl" in A7 b%t also in an" other highl" !e)elo& in!%strial
nations#
In the banking an! financial ser)ices b%siness: this area co&rises an" !ifferent t"&es of
b%sinesses* coercial an! retail* (ith a coon !enoination* of being in b%siness to
hel& c%stoer to ake or anage one"# A high le)el of tr%st is i&licit an! is e)en ore
critical in the (ake of the sa)ings an! loan scan!als of the 1:>Ds# The retail banking
in!%str" has fo%n! its historic iage of aloofness* a anageent
The &%blic sector banks largel" !oinate the In!ian banking in!%str"# These banks till earl"
:Ds (ere in)ol)e! in the tra!itional banking b%siness of !e&osits an! cre!it len!ing# The"
&erfore! a s%&&orting role in the o)erall gro(th of econo"# 5hile ost of these banks
Banast#a$i vi!#&apit#

>
%se! to foc%s on gro(th of balance'sheet &rofitabilit" (as not a significant co&etition# In
ost of the banks go)ernent has hol!ing of 1DDE (hereas in the fe( banks the state has
fallen beca%se of &%blic iss%e in the &ost liberali/ation &erio!# 7oe of other lea!ing banks
in the segent also &ro&ose! to coe o%t (ith an e,%it" iss%e to raise f%rther ca&ital#
The &%blic sector banks ha)e a strong !istrib%tion net(ork all o)er the co%ntr"# B%t the
strength of earlier &erio!s has no( coing o%t (ith 1+7 to bring !o(n n%ber of
e&lo"ees an! i&ro)e their efficienc" ratio#
The &%blic sector banks still control a a@or share in banking o&eration of the co%ntr"#
P&"3+$2 #21$%& B+),#
The banking reg%lation act (as aen!e! in 1::3 &eritting the entr" of ne( &ri)ate sector
banks# The act also s&ecifie! certain criteria for establishing ne( &ri)ate sector banks# The
criteria are as follo(s'
1# the banks sho%l! ha)e a ini% net (orth of +s# 1 billion
2# The &rooters hol!ing sho%l! be ini% 29E of &ai! %& ca&ital#
The last !eca!e (itnesse! the at%rit" of In!ia=s financial arkets# 7ince 1::1* e)er"
go)ernents of In!ia took a@or ste&s in reforing the financial sector of the co%ntr"# The
i&ortant achie)eents in the follo(ing fiel!s are achie)e! in follo(ing hea!s:
F")+)1"+0 M+&,2$#
In the last !eca!e* &ri)ate sector banks F instit%tions &la"e! an i&ortant role# The" gre(
ra&i!l" in coercial banking an! asset anageent b%siness# 5ith the o&enings in the
ins%rance sector for these instit%tions* the" starte! aking !ebt in the arket#
Banast#a$i vi!#&apit#

:
R2-.0+$%&#
The 8inance Ministr" contin%o%sl" for%late! a@or &olicies in the fiel! of financial sector
of the co%ntr"# The .o)ernent acce&te! the i&ortant role of reg%lators# The +eser)e Bank
of In!ia 2+BI3 has becoe ore in!e&en!ent# O&inions are also that there sho%l! be a s%&er'
reg%lator for the financial ser)ices sector instea! of %lti&licit" of reg%lators#
T42 /+),")- #'#$25
Alost >DE of the b%siness is still controlle! b" the P%blic 7ector Banks 2P7Bs3# P7B are
still !oinating the coercial banking s"ste# 7hares of the lea!ing P7Bs are alrea!"
liste! on the stock e4changes#
The +BI has gi)en licenses to ne( &ri)ate sector banks as &art of the liberali/ation &rocess#
The +BI has also been granting licenses to in!%strial ho%ses# Man" banks are s%ccessf%ll"
r%nning in the cons%er segents* in!%strial finance* retail tra!e* sall b%siness an!
agric%lt%re finances#
O32&+00 +66&%+14 $% &2(%&5#
The last ten "ears ha)e seen a@or i&ro)eents in the (orking of )ario%s financial arket
&artici&ants# The go)ernent an! the reg%lator" a%thorities follo(e! the ste& b" ste&
a&&roach* not a bang one# The entr" of foreign banks has assiste! in the intro!%ction of
international &ractices an! s"stes# On the (hole* the c%%lati)e effect of the !e)elo&ents
since 1::1 has been ,%ite enco%raging#
D2&2-.0+$"%) %( B+),")- S'#$25
In or!er to reach the sti&%late! ca&ital a!e,%ac" nors* s%bstantial ca&ital (ere &ro)i!e! b"
the .o)ernent an! +BI#
Banast#a$i vi!#&apit#

1D
.o)ernent &re'e&tion of banks= reso%rces thro%gh stat%tor" li,%i!it" ratio 27L+3 an!
cash reser)e ratio 2-++3 bro%ght !o(n in ste&s# Interest rates on the !e&osits an! len!ing
si!es alost entirel" (ere !ereg%late!#
Ne( &ri)ate sector banks allo(e! &rooting an! enco%raging co&etition# P7Bs (ere
enco%rage! to a&&roach the &%blic for raising reso%rces# +eco)er" of !ebts !%e to banks an!
the 8inancial Instit%tions Act 1::3 (ere &asse!* an! s&ecial reco)er" trib%nals set %& to
facilitate ,%icker reco)er" of loan arrears#
C%)#%0"*+$"%) "562&+$"32
Another as&ect of the financial sector refors in In!ia is the consoli!ation of e4isting
instit%tions (hich is es&eciall" a&&licable to the coercial banks# In In!ia the banks are
h%ge ,%antit"# 8irst* there is no nee! for 2B P7Bs (ith branches all o)er In!ia# A n%ber of
the can be erge!# The erger of P%n@ab National Bank an! Ne( Bank of In!ia (as
!iffic%lt one* b%t the sit%ation is !ifferent no(# No one e4&ecte! so an" e&lo"ees to take
)ol%ntar" retireent fro P7Bs* (hich at one tie (ere %ch so%ght after @obs# Pri)ate
sector banks (ill be self consoli!ate! (hile co'o&erati)e an! r%ral banks (ill enco%rage! for
consoli!ation* an! an"(a" &la" onl" a niche role
G0%/+0 C%562$2)1"2#
The &rogress an! gro(th of In!ian banking sector is in the line (ith the t(in ob@ecti)e of
financial stabilit" an! gro(th# Banking in In!ia has increase! its si/e b" ca&itali/ing on all
the b%siness o&&ort%nit" a)ailable# The ca&ital a!e,%ac" ratio of In!ian banks has increase!
an! is no( in a %ch better &osition in relation to the other eerging arket econoies#
The ratio is (ell in line (ith the &ro&ose! ne( Basel nors# 7e)eral banks raise! ca&ital an!
soe ore banks are on the (a"#
G."*20")2# +)* G%32&)+)12
Meeting ca&ital a!e,%ac" nors in the recent ties gaine! i&ortance (ith the !ea!line for
the i&leentation of Basel II Accor! a&&roaching closer# The a)erage -a&ital A!e,%ac"
Banast#a$i vi!#&apit#

11
+atio 2-A+3 of In!ian banks stoo! at 12#>E at March 31* 2DD9* %ch abo)e the &rescribe!
nors# In or!er to enhance ca&ital a!e,%ac" ratio* se)en banks incl%!ing I-I-I bank an!
P%n@ab National bank* ha)e raise! ca&ital in &riar" arkets to the t%ne of +s#12* DDD
crores !%ring the "ear 2DD9# it has been !eci!e! that banks (hich ha)e aintaine! ca&ital at
least :E of the risk (eighte! assets for both cre!it risk an! arket risks of both G$el! 8or
Tra!e=2$8T3 an! GA)ailable 8or 7ale=2A8T3 categories as on March 31* 2DD?* (o%l! be
&eritte! to treat the entire balance in the In)estent 8l%ct%ation +eser)e as tier'I ca&ital#
This (ill hel& banks to enhance their -A+# +eser)e bank Of In!ia 2+BI3 has gi)en
g%i!elines to ha)e ini% net (orth of +s# 3DD crores for &ri)ate banks#
Ne( g%i!elines ha)e been intro!%ce! in the In!ian banking s"ste to eas%re %& to the
international banking &ractices# The In!ian Bankers Association 2IBA3 has coe %& (ith
G8air Practices -o!e= to i&ro)e cor&orate go)ernance# Banks in In!ia sho%l! no( e4&licitl"
state their go)ernance &hiloso&h" in their Ann%al +e&orts as &art of GNotes on Acco%nts= to
their balance sheets# +isk base! s%&er)ision (as intro!%ce! in soe selecte! banks#
.%i!elines ha)e been iss%e! to banks not to o%tso%rce core'banking f%nctions#
0&hasis has been &lace! on the role of bank boar!s# In a o)e to gi)e free!o in the
f%nctioning of &ri)ate banks* +BI has (ith!ra(n its noinee !irectors fro alost all the
&ri)ate sector banks# Aen!ents ha)e also been &ro&ose! to reo)e the &ro)isions of
ha)ing noinate! officers of +BI in &%blic sector banks in or!er to bring their f%nctioning at
&ar (ith &ri)ate banks#
.o)ernent=s sharehol!ing in se)eral P%blic 7ector Banks 2P7Bs3 reache! close to 91E# To
contin%e go)ernent=s sti&%late! ini% sharehol!ing in P7Bs* the finance inistr"
aske! the +BI to coe %& (ith the g%i!elines on Gh"bri!= instr%ents* (hich can be treate!
as ca&ital#
Banast#a$i vi!#&apit#

12
P2&(%&5+)12
The "ear 2DD9 has been goo! for the In!ian banking# There (as rob%st gro(th in cre!it flo(
!%ring the "ear# -re!it !e&osit ratio increase! b" ore than 1DE an! s%bstantial &art of the
bank=s coercial cre!it (ent to large borro(ers at s%b'PL+ rates# .o)ernent (ants to
f%rther &%sh %& the loan to .DP ratio fro 43E to 9DE# The ost significant @%& in cre!it
(as to real estate sector# -re!it to agric%lt%re has been in line (ith the go)ernent=s
ob@ecti)e of !o%bling its cre!it in the coing fi)e "ears#
The banking in!%str" has anage! to i&ro)e its o&erating &rofit ratio b" re!%cing its
o&erating costsFstaff e4&enses# The asset ,%alit" in In!ian banking sector has sho(n
consi!erable i&ro)eent# The gross Non Perforing Assets 2NPAs3 to a!)ances ratio for
the sector !ecline! to 9E in 8HD9 fro 1?E in 8H:B
The In!ian banking has i&ro)e! efficienc" in its o&erations# -ost to incoe has coe
!o(n# Interest incoe of the entire banking sector has increase!# The ret%rns on assets of the
foreign banks ha)e been highest* follo(e! b" the &ri)ate sector banks# +e)en%e so%rces of
banks been !i)ersifie!# The" ha)e entere! into the b%siness of selling thir!'&art" &ro!%cts to
increase their incoe# Banks are tr"ing to increase fee'base! incoe as interest incoe
contin%es to be %n!er &ress%re an! &rofits fro tra!i>ng kee& !eclining# In)estents in
7tat%tor" Li,%i!it" +atio 27L+3 sec%rities of banks ha)e !ecline!C ho(e)er* the ratio is in
e4cess of the stat%tor" liit# +BI re!%ce! the re)erse re&o rate !%ring the "ear to !irect the
f%n!s to the nee!e! areas# Most of the in)estents hel! b" &ri)ate sector banks (ere in the
at%rit" b%cket of a less than a "ear (hile the &%blic sector banks= in)estents (ere ranging
fro one'"ear to fi)e'"ear at%rit" b%ckets#
At the sae tie* technological !e)elo&ent in the sector hel&e! the banks in !i)ersif"ing
their b%siness acti)ities to offer !ifferent ser)ices to c%stoers# Intro!%ction of core banking
sol%tions has enable! the banks to segregate the cre!it so%rcing 2front office3 an! a&&raisal
2back office3 f%nctions# Man" banks (ill aggressi)el" &osition thesel)es on an en!'to'en!
sol%tion# The total +eal Tie .ross 7ettleent 2+T.73 transactions increase! fro 1*
:1*B:2 in March 2DD9 to 3* >4*1B? in 7e&teber 2DD9#
Banast#a$i vi!#&apit#

13
M2&-2& +)* A17."#"$"%)#
The banking in!%str" sa( soe consoli!ation !%ring the "ear# There (as the re)erse erger
of IDBI (ith IDBI Bank* an! -ent%rion Bank of P%n@ab (as create! thro%gh the erger of
Bank of P%n@ab (ith cent%rion Bank an! again -ent%rion bank of P%n@ab erger (ith
$D8- Bank#
7BI has a net(ork of ?D o)erseas offices s&rea! o)er 2: co%ntries# The bank has ac,%ire!
B?E stake (orth I? illion in closel" hel! PT Bank In!oMone4* sec%ring a foothol! in
In!onesia* an! a siilar stake in Jen"a=s .iro -oercial Bank lt!# In 8ebr%ar" 2DD9* it
ac,%ire! a 91E of the Ma%riti%s base! In!ian Ocean International Bank Lt!# An! it also
gaine! &erission to set %& branches in 7a%!i Arabia# It has also erge! its s%bsi!iar"'
In!oNigerian Bank'(ith a local bank* Nal Bank# The 7BI has also state! to start its retail
b%siness in 7hanghai later this "ear#
I-I-I Bank in a s&an of @%st fo%r "ears has eerge! as retail banking beheoth# The bank in
or!er to increase its &resence o)erseas has ac,%ire! a +%ssian bank* In)estitsionnoJre!i"
Bank* also ais to take a!)antage of increase! &resence of the In!ian cor&orate in +%ssia
an! 7o%th Africa# The bank is also &lanning to ake Bahrain its h%b es&eciall" for tra!ing in
coo!ities# It has eerge! as the largest seller of ba! loans to the Asset +econstr%ction
-o&an" of In!ia#
P%n@ab National Bank (ill shortl" be con)erting its re&resentati)e offices in Lon!on into a
s%bsi!iar" %nit# PNB is in the &rocess of initiating internal !isc%ssions to &lan an! i!entif"
ac,%isition of banks o)erseas# PNB has targete! to !isb%rse loans to the t%ne of +s# >*DDD
crores in retail segent b" the en! of this fiscal as against the total retail loan !isb%rseent
of +s# ?*9DD crores !%ring the last fiscal#
Banast#a$i vi!#&apit#

14
PROFILE OF BANK
A/%.$ 8 !DFC B+), L"5"$2*9 I)*"+
The $o%sing De)elo&ent 8inance -or&oration Liite! 2$D8-3 (as aongst the first to
recei)e an Kin'&rinci&leK a&&ro)al fro the +eser)e Bank of In!ia 2+BI3 to set %& a bank in
the &ri)ate sector* as &art of the +BIKs liberali/ation of the In!ian Banking In!%str" in 1::4#
The bank (as incor&orate! in A%g%st 1::4 in the nae of K$D8- Bank Liite!K* (ith its
registere! office in M%bai* In!ia# $D8- Bank coence! o&erations as a 7che!%le!
-oercial Bank in Lan%ar" 1::9#
P&%5%$2&
$D8- is In!iaKs &reier ho%sing finance co&an" an! en@o"s an i&eccable track recor! in
In!ia as (ell as in international arkets# 7ince its ince&tion in 1:BB* the -or&oration has
aintaine! a consistent an! health" gro(th in its o&erations to reain a arket lea!er in
ortgages# Its o%tstan!ing loan &ortfolio co)ers (ell o)er a illion !(elling %nits# $D8-
has !e)elo&e! significant e4&ertise in retail ortgage loans to !ifferent arket segents an!
also has a large cor&orate client base for its ho%sing relate! cre!it facilities# 5ith its
e4&erience in the financial arkets* a strong arket re&%tation* large sharehol!er base an!
%ni,%e cons%er franchise* $D8- (as i!eall" &ositione! to &roote a bank in the In!ian
en)ironent#
C+6"$+0 S$&.1$.&2
The a%thori/e! ca&ital of $D8- Bank is +s#49D crores 2+s#49 billion3# The &ai!'%& ca&ital
is +s#2>2 crores 2+s#2>#2 billion3# The $D8- .ro%& hol!s 24#2E of the bankKs e,%it" (hile
abo%t 13#1E of the e,%it" is hel! b" the !e&ositor" in res&ect of the bankKs iss%e of
Aerican De&ositor" 7hares 2AD7FAD+ Iss%e3# The In!ian Pri)ate 0,%it" 8%n!* Ma%riti%s
Banast#a$i vi!#&apit#

19
2IP083 an! In!ocean 8inancial $ol!ings Lt!#* Ma%riti%s 2I8$L3 2both f%n!s a!)ise! b" L P
Morgan Partners* forerl" -hase -a&ital Partners3 together hol! abo%t 9#9E of the bankKs
e,%it"# +o%ghl" 2B#9E of the e,%it" is hel! b" 8IIs* N+IsFO-Bs (hile the balance is (i!el"
hel! b" abo%t 214*DDD sharehol!ers# The shares are liste! on The 7tock 04change* M%bai
an! the National 7tock 04change# The bankKs Aerican De&ositor" 7hares are liste! on the
Ne( Hork 7tock 04change 2NH703 %n!er the s"bol 6$DB6#
T"52# B+), A5+0-+5+$"%)
In a ilestone transaction in the In!ian banking in!%str"* Ties Bank Liite! 2another ne(
&ri)ate sector bank &roote! b" Bennett* -olean M -o# FTies .ro%&3 (as erge! (ith
$D8- Bank Lt!#* effecti)e 8ebr%ar" 2?* 2DDD# As &er the schee of aalgaation
a&&ro)e! b" the sharehol!ers of both banks an! the +eser)e Bank of In!ia* sharehol!ers of
Ties Bank recei)e! 1 share of $D8- Bank for e)er" 9#B9 shares of Ties Bank# The
aalgaation a!!e! significant )al%e to $D8- Bank in ters of increase! branch net(ork*
e4&an!e! geogra&hic reach* enhance! c%stoer base* skille! an&o(er an! the o&&ort%nit"
to cross'sell an! le)erage alternati)e !eli)er" channels#
D"#$&"/.$"%) N2$:%&,
$D8- Bank is hea!,%artere! in M%bai# The Bank at &resent has an en)iable net(ork of
o)er 4?> branches s&rea! o)er 212 cities across the co%ntr"# All branches are linke! on an
online real'tie basis# -%stoers in :D locations are also ser)ice! thro%gh Phone Banking#
The BankKs e4&ansion &lans take into acco%nt the nee! to ha)e a &resence in all a@or
in!%strial an! coercial centers (here its cor&orate c%stoers are locate! as (ell as the
nee! to b%il! a strong retail c%stoer base for both !e&osits an! loan &ro!%cts# Being a
clearingFsettleent bank to )ario%s lea!ing stock e4changes* the Bank has branches in the
centers (here the N70FB70 has a strong an! acti)e eber base# The Bank also has a
net(ork of o)er 1D94 net(orke! ATMs across these cities# Moreo)er* $D8- BankKs ATM
net(ork can be accesse! b" all !oestic an! international 1isaFMaster-ar!* 1isa
0lectronFMaestro* Pl%sF-irr%s an! Aerican 04&ress -re!itF-harge car!hol!ers#
Banast#a$i vi!#&apit#

1?
M+)+-252)$
Mr# Lag!ish -a&oor took o)er as the bankKs -hairan in L%l" 2DD1# Prior to this* Mr# -a&oor
(as a De&%t" .o)ernor of the +eser)e Bank of In!ia#
The Managing Director* Mr# A!it"a P%ri* has been a &rofessional banker for o)er 29 "ears
an! before @oining $D8- Bank in 1::4 (as hea!ing -itibankKs o&erations in Mala"sia#
The BankKs Boar! of Directors is co&ose! of einent in!i)i!%als (ith a (ealth of
e4&erience in &%blic &olic"* a!inistration* in!%str" an! coercial banking# 7enior
e4ec%ti)es re&resenting $D8- are also on the Boar!#
BOARD OF DIRECTORS
Managing Director A!it"a P%ri
04ec%ti)e Director Paresh 7%khthankar
04ec%ti)e Director $arish 0ngineer
-hairan Lag!ish Ja&%r
0,%ities an! Pri)ate Banking an! N+I
B%siness
Abha" Aia
Inforation Technolog" an! Legal Anil Laggia
Treas%r" Ashish Parthasarth"
Merchant 7er)ices Bharat 7hah
A%!it an! -o&liance . 7%braan"a
-re!it an! Market +isk Jai/a! Maneck Bhar%cha
$%an +eso%rces A!inistration an!
Infrastr%ct%re
Man!ee& Maitra
Branch Banking Na)in P%ri
Assets an! -re!it -ar!s Prala" Mon!al
+etail Liabilities* Marketing an! Direct
Banking -hannels
+ah%l N Bhagat
O&erations +a@an Ananthanara"an
8inance 7hashi Lag!ishan
Treas%r" 7%!hir Loshi
T214)%0%-'
Banast#a$i vi!#&apit#

1B
$D8- Bank o&erates in a highl" a%toate! en)ironent in ters of inforation technolog"
an! co%nication s"stes# The entire bankKs branches ha)e connecti)it" (hich enables
the bank to offer s&ee!" f%n!s transfer facilities to its c%stoers# M%lti'branch access is also
&ro)i!e! to retail c%stoers thro%gh the branch net(ork an! A%toate! Teller Machines
2ATMs3#
The Bank has a!e s%bstantial efforts an! in)estents in ac,%iring the best technolog"
a)ailable internationall" to b%il! the infrastr%ct%re for a (orl!'class bank# In ters of
soft(are* the -or&orate Banking b%siness is s%&&orte! b" 8le4 c%be* (hile the +etail
Banking b%siness b" 8in (are* both fro i'fle4 7ol%tions Lt!# The s"stes are o&en*
scaleable an! (eb'enable!#
The Bank has &rioriti/e! its engageent in technolog" an! the internet as one of its ke"
goals an! has alrea!" a!e significant &rogress in (eb'enabling its core b%sinesses# In each
of its b%sinesses* the Bank has s%ccee!e! in le)eraging its arket &osition* e4&ertise an!
technolog" to create a co&etiti)e a!)antage an! b%il! arket share#
R+$")-
$D8- Bank has its !e&osit &rograers rate! b" t(o rating agencies ' -re!it Anal"sis M
+esearch Liite! 2-A+03 an! 8itch +atings In!ia P)t# Lt!# The BankKs 8i4e! De&osit
&rograe has been rate! K-A+0 AAA 28D3K NTri&le AO b" -A+0* (hich re&resents
instr%ents consi!ere! to be 6of the best ,%alit"* carr"ing negligible in)estent risk6#
-A+0 has also rate! the BankKs -ertificate of De&osit 2-D3 &rograe 6P+ 1P6 (hich
re&resents 6s%&erior ca&acit" for re&a"ent of short ter &roissor" obligations6# 8itch
+atings In!ia P)t# Lt!# 21DDE s%bsi!iar" of 8itch Inc#3 has assigne! the 6tAAA 2in!36 rating
to the BankKs !e&osit &rograe* (ith the o%tlook on the rating as 6stable6# This rating
in!icates 6highest cre!it ,%alit"6 (here 6&rotection factors are )er" high6# $D8- Bank also
has its long'ter %nsec%re!* s%bor!inate! 2Tier'II3 Bon!s rate! b" -A+0 an! 8itch +atings
In!ia P)t# Lt!# -A+0 has assigne! the rating of 6-A+0 AAA6 for the Tier'II Bon!s (hile
8itch +atings In!ia P)t# Lt!# has assigne! the rating 6AAA 2in!36 (ith the o%tlook on the
Banast#a$i vi!#&apit#

1>
rating as 6stable6# In each case referre! to abo)e* the ratings a(ar!e! (ere the highest
assigne! b" the rating agenc" for those instr%entsQ
AWARDS AND RECOGNITIONS
Belo( are soe of the &roinent a(ar!s $D8- Bank (on in 2DD> %n!er the ste(ar!shi& of
Mr#P%ri
B%siness In!ia ;Best bank< 2DD>
8orbes Asia 8ab 9D co&anies in Asia Pacific
Asian Banker 04cellence In +etail 8inancial
7er)ices
Best +etail Bank 2DD>
Asia one" Best Local -ash Manageent bank A(ar!
1ote! B" -or&orate
B%siness To!a"'Monitor gro%& One Of In!ia=s ost Inno)ati)e co&anies
8inancial 04&ress'0rnst an! Ho%ng A(ar! Best Bank A(ar! In The Pri)ate 7ector
-ategor"
.lobal $+ 04cellence A(ar!s'Asia Pacific
$+M -ongress
G0&lo"er bran! Of The Hear 2DDB'
2DD>=a(ar!'8irst +%nner A&
B%siness To!a" GBest Bank= A(ar!
P&%*.1$ #1%62;
$D8- Bank offers a b%nch of &ro!%cts an! ser)ices to eet the e)er" nee! of the &eo&le#
The co&an" cares for both* in!i)i!%als as (ell as cor&orate an! sall an! e!i%
enter&rises# 8or in!i)i!%als* the co&an" has a range acco%nts* in)estent* an! &ension
schee* !ifferent t"&es of loans an! car!s that assist the c%stoers# The c%stoers can
choose the s%itable one fro a range of &ro!%cts (hich (ill s%it their life'stage an! nee!s#
8or organi/ations the co&an" has a host of c%stoi/e! sol%tions that range fro f%n!e!
ser)ices* Non'f%n!e! ser)ices* 1al%e a!!ition ser)ices* M%t%al f%n! etc# These affor!able
&lans a&art fro &ro)i!ing long ter )al%e to the e&lo"ees hel& in enhancing goo!(ill of
the co&an"# The &ro!%cts of the co&an" are categori/e! into )ario%s sections (hich are
as follo(s:
• Acco%nts an! !e&osits#
Banast#a$i vi!#&apit#

1:
• Loans#
• In)estents an! Ins%rance#
• 8ore4 an! &a"ent ser)ices#
• -ar!s#
• -%stoer center#
Banast#a$i vi!#&apit#

2D
ACCONTS < DEPOSITS
Banking sho%l! be effortless# 5ith $D8- Bank* the efforts are re(ar!ing# No atter (hat a
c%stoerKs nee! an! occ%&ational stat%s* (e ha)e a range of sol%tions that are secon! to
none#
5hether "o%Kre e&lo"e! in a co&an" an! nee! a si&le 7a)ings acco%nt or r%n "o%r o(n
b%siness an! re,%ire a rob%st banking &artner* $D8- Bank not onl" has the &erfect sol%tion
for "o%* b%t also can recoen! &ro!%cts that can a%gent "o%r &lanning for the f%t%re#
S+3")- A11%.)$;
These Acco%nts are &riaril" eant to inc%lcate a sense of sa)ing for the f%t%re*
acc%%lating f%n!s o)er a &erio! of tie# 5hate)er "o%r occ%&ation* (e are confi!ent that
"o% (ill fin! the &erfect banking sol%tion# O&en an acco%nt in "o%r nae or register for one
@ointl" (ith a fail" eber to!a"#
+eg%lar 7alar"
No 8rills -lassic
REGLAR SA=INGS ACCONT
An eas"'to'o&erate sa)ings acco%nt that allo(s "o% to iss%e che,%es* !ra( Dean! Drafts
an! (ith!ra( cash# -heck %& on "o%r balances fro the cofort of "o%r hoe or office
thro%gh Net Banking* Phone Banking an! Mobile Banking#
Nee! one" %rgentl"Q 5ith!ra( cash fro an" of the 12DD ATM centers s&rea! across the
co%ntr"#
F2+$.&2# < B2)2("$#
 5i!e net(ork of branches an! o)er tho%san! ATMs to eet all "o%r banking nee!s
no atter (here "o% are locate!#
Banast#a$i vi!#&apit#

21
 Bank con)enientl" (ith facilities like Net Banking an! Mobile Banking' check "o%r
acco%nt balance* &a" %tilit" bills or sto& che,%e &a"ent* thro%gh 7M7#
 Ne)er o)ers&en!' 7ho& %sing "o%r International Debit -ar! that reflects the act%al
balance in "o%r sa)ings acco%nt#
 Personali/e! che,%es (ith "o%r nae &rinte! on each che,%e leaf for enhance!
sec%rit"#
 Take a!)antage of Bill Pa"* an instant sol%tion to all "o%r fre,%ent %tilit" bill
&a"ents# Instr%ct for &a"ent o)er the &hone or thro%gh the Internet#
 A)ail of facilities like 7afe De&osit Locker* 7(ee&'In an! 7%&er 7a)er facilit" on
"o%r acco%nt#
0ligibilit" M Acco%nt O&eration
T42 (%00%:")- +&2 20"-"/02 $% %62) + R2-.0+& S+3")-# A11%.)$;
 +esi!ent In!i)i!%als 2sole or @oint acco%nt3#
 Minor belo( 1> "rs# 2acco%nt onl" (ith g%ar!ian3#
 $in!% An!i)i!e! 8ailies#
 Tr%sts#
 Associations#
 -l%bs or 7ocieties#
 8oreign Nationals resi!ing in In!ia# If "o% are a 8oreign National resi!ing in
In!ia* "o% a" o&en a 7a)ings Acco%nt b" te&oraril" attaching an %n!ertaking
stating so%rces of cre!it an! a co&" of "o%r +esi!ence Perit#
A11%.)$ O62&+$"%)
A ini% !e&osit of +s# 9*DDDF' is re,%ire! to o&en an acco%nt an! thereafter an
A)erage R%arterl" Ao%nt of the sae ao%nt has to be aintaine!# It is an!ator"
to aintain a ini% A)erage R%arterl" Balance 2ARB3 of +s# 9*DDDF'# If the
balance falls belo( +s# 9*DDDF' a ser)ice charge of +s# B9DF' (ill be le)ie! &er
Banast#a$i vi!#&apit#

22
,%arter# If "o% o&en a 8i4e! De&osit Acco%nt of +s# 9D*DDDF'* then "o% no longer
ha)e to aintain a ini% balance of +s# 9*DDD on "o%r 7a)ings Acco%nt# In effect
"o%r acco%nt becoes a Sero Balance Acco%nt#
>NO FRILLS? SA=INGS ACCONT
In an effort to ake banking si&ler an! ore accessible for o%r c%stoers* (e ha)e
intro!%ce! the KNo 8rillsK 7a)ings Acco%nt* (hich offers "o% all the basic banking facilities*
(hile "o% aintain a noinal a)erage ,%arterl" balance of onl" +s# 29DT Ho% can e)en a)ail
of ser)ices like Net Banking* Mobile banking free of cost#
F2+$.&2# < B2)2("$#
 Access a (i!e net(ork of branches an! o)er a tho%san! ATMs across the
co%ntr" to eet all "o%r banking nee!s#
 Bank con)enientl" (ith facilities like 8ree Net Banking an! Mobile Banking#
 Ase the 8ree 0lectronic 8%n!s Transfer 208T3 facilit" to transfer f%n!s fro
"o%r $D8- Bank acco%nt to an acco%nt in another Bank at the locations as s&ecifie!
b" +BI#
 0n@o" 8ree I1+ base! Phone Banking#
 .et 8ree R%arterl" Acco%nt 7tateents#
 Access "o%r acco%nt thro%gh a 8ree ATM -ar!#
 0n@o" free -ash De&osits at BranchFATM#
 : 8ree -ash (ith!ra(als &er R%arter at Branch an! $D8- Bank ATMs
PLS CRRENT ACCONT
Banast#a$i vi!#&apit#

23
The -%rrent Acco%nt is ost s%itable for b%siness class &eo&le# 5ith $D8- Bank=s c%rrent
acco%nt* one can get &ersonali/e! che,%e book* inter branch banking an! a onthl" acco%nt
stateent in a!!ition to host of other feat%res# The Bank &ro)i!es t(o t"&es of c%rrent
acco%nt facilities#
a3 C.&&2)$ A11%.)$ R2-.0+&
 5ith ini% a)erage balance of +s# 1D*DDD
 In case of non'aintenance +s# 3DD &er ,%arter
 9D -he,%es lea)e free
b3 C.&&2)$ A11%.)$8P&25".5
 Mini% a)erage balance +s#29DDD
 In case of Non aintenance +s#?DD &er ,%arter
 -he,%e books free
REGLAR FI@ED DEPOSIT
The bank &ro)i!es the facilit" of fi4e! !e&osit (hich can be o&ene! (ith ini% !e&osit
of +s# 1DDDD# All fi4e! !e&osits are cl%ster !e&osits hel! in %nits of +s#1# The interest rates
of fi4e! !e&osits are as %n!er:
P2&"%* A5%.)$ I)$2&2#$
R+$2
19 !a"s to 2: !a"s Belo( +s# 29 lacs 9E
3D !a"s to ?D !a"s Belo( +s# 29 lacs B#29E
:1 !a"s to 1>D !a"s Belo( +s# 29 lacs >#DDE
Banast#a$i vi!#&apit#

24
? onths to 1 !a" 1 "ear Belo( +s# 29 lacs >#9E
1 "ear 1 !a" to 9 "ears Belo( +s# 29 lacs >#9E
7a)ing acco%nt Belo( +s# 29 lacs 4E &#a
!DFC B+), P0.#;
This is a -A++0NT A--OANT that offers "o% %ch ore than @%st ,%ick an! reliable
ser)ice# No( one can transfer %& to +s# 9D lakhs &er onth free bet(een the fo%r etros#
One can also get che,%e clearing bet(een fo%r etros* co%rier facilit"* &hone banking an!
&ersonali/e! che,%e book aong a (hole range of ser)ices all free of cost# In a!!ition one
can get cash !eli)er"* hoe !eli)er" of DDs* che,%e &rotection facilit"* o%tstation che,%es
clearance facilit" etc#
S:226 ") A11%.)$;
F2+$.&2#
a3 0as" to o&erate: Mone" gets a%toaticall" s(e&t into "o%r sa)ing acco%nt* (itho%t
an" bother#
b3 O&erate "o%r acco%nt thro%gh che,%e or b" ATM: .i)es "o% instant access to "o%r
!e&osit* (hene)er "o% nee! it#
c3 Mini% interest loss: 7ince "o%r !e&osits are hel! in %nits of +e#1* "o% onl"
encash the e4act ao%nt (ith!ra(n#
!3 Access "o%r one" free of cost: There are no hi!!en charges in the !a" to !a"
o&erations of "o%r s(ee& in acco%nt#
e3 Link 7e)eral De&osits together: O&en a ne( !e&osit for +s#9DDD an! it (ill be
linke! to "o%r s(ee& in acco%nt#
!%: *%2# #:226 ") +11%.)$ :%&,A
7ince !e&osit in acco%nt hol!s "o%r one" in a fi4e! !e&osit in %nits of +e#1* e)er"
tie one" is transferre! fro "o%r fi4e! !e&osit to "o%r sa)ing acco%nt* interest loss
in inii/es f%rther "o% lose 1E of noral interest on the ao%nt transferre! fro
Banast#a$i vi!#&apit#

29
"o%r fi4e! !e&osit# The rest of "o%r !e&osit contin%es to earn the original rate till
at%rit"#
There are ore benefits of co%rse* Ho% can if "o% like* al(a"s o&en as on !e&osit for
@%st +s#9DDD# 8%rther * "o% can link as an" !e&osit* the 7(ee& in a%toaticall" choose
the ol!est !e&osit first before s(ee&ing one" into "o%r sa)ings acco%nts#
ATM
ATM 52+)# >A%toate! Teller Machine< b%t it is &o&%larl" kno(n as ;An" Tie Mone"<
an! 3?9 !a"s in a "ear fro an"(here in In!ia# ATM=s are act%all" banks in thesel)es# In
other (or!s* one can &erfor the banking o&erations b" &%shing fe( b%ttons# To (ith!ra(al
cash* ake !e&osit or transfer f%n!s bet(een acco%nt "o% generall" insert an ATM car! an!
enter "o%r &ersonal i!entification n%ber 2PIN3# It &ro)i!es 24 ho%rs encashent facilities
to the c%stoers# In In!ia there are ?DD ATMs#
A*3+)$+-2# %( ATM;
i# 24 B !%.&# +112## $% 1+#4;'Ho% can (ith!ra( %& to +s# 1D*DDDF' &er !a" on
"o%r ATM -ar!s# The fast cash o&tion sa)es "o%r tie b" &ro)i!ing the cash in
!enoinations of +s# 9DDF'
ii# B+0+)12 ")7."&'; ' Ho%r %&!ate! balance (ill a&&ear on the screen an! (ill also
be &rinte! on the transaction sli&#
iii# M")"8 #$+$252)$ &27.2#$;'.et !etails of the last : transactions on "o%r acco%nt
(ith the ini' stateent* along (ith "o%r balances#
i)# C427.2 /%%, &27.2#$; ' 7en! a re,%est for a che,%e book or acco%nt stateent
an! it (ill arri)e at "o%r !oorste&#
)# F.)*# $&+)#(2&; ' Transfer one" fro one of "o%r acco%nts to another# It=s
eas"# 7elect the acco%nt fro (hich "o% (ant it transferre!# Both acco%nts %st
be linke! to "o%r ATM -ar!s an! -%stoers ID#
Banast#a$i vi!#&apit#

2?
)i# P") 14+)-2; ' Ho% can con)enientl" change "o%r PIN 2gi)en at the tie of
o&ening "o%r acco%nt3 (hene)er "o% (ish# 7ta" totall" in control an! ens%re
co&lete sec%rit" for "o%r ATM -ar!#
)ii# R2("00 '%.& P&26+"* 1+&* ' If "o% are an $D8- Bank Acco%nt hol!er an! a
&re&ai! c%stoer* "o% can no( refill "o%r &re&ai! car! (ith o%r Pre&ai! +efill
ser)ice# Jno( ore# ' Ho%r cash or che,%es can be !e&osite! into "o%r acco%nt
an! the ATM (ill ie!iatel" &rint a recei&t for the sae#
)iii# L2+&) +/%.$ +00 %.& %$42& 6&%*.1$#: ' 7i&l" select a &ro!%ct an! all the
inforation "o% re,%ire (ill be !is&la"e! on the screen#
i4# P+' '%.& .$"0"$' /"00# ' Pa" "o%r cell%lar* tele&hone an! electricit" bills thro%gh
the ATM %sing Bill Pa"* a co&rehensi)e bill &a"ents sol%tion# Jno( ore
abo%t Bill Pa"#
4# D26%#"$ 1+#4 %& 1427.2# ' Ho% can !e&osit cash or che,%es into "o%r acco%nt
an! the ATM (ill ie!iatel" &rint a recei&t for the sae#
.lobal Net(ork $D8- Bank ATMs are a &art of the 1I7A International Pl%s ATM Net(ork
an! the Master-ar! International -irr%s ATM Net(ork* an! can be accesse! b" all !oestic
an! international Master-ar!* -irr%s or Maestro an! 1I7A 0lectron car!hol!ers for cash
(ith!ra(als an! balance in,%iries# $D8- Bank ha)e also &artnere! (ith Aerican 04&ress
to offer their !oestic an! international car!hol!ers the benefits of cash a!)ances fro an"
of o%r ATMs#
CARDS
CREDIT CARDS;
O%r ranges of -ar!s hel& "o% eet "o%r financial ob@ecti)es# 7o (hether "o% are looking to
a!! to "o%r b%"ing &o(er* con!%cting cashless sho&&ing* or b%!geting "o%r e4&en!it%re*
"o% (ill fin! a car! that s%its "o%#
Besi!es aring "o% (ith %natche! s&en!ing &o(er* o%r -re!it -ar!s are !esigne! to eet
"o%r %ni,%e nee!s# -hoose one thatKs tailore! for "o%#
Banast#a$i vi!#&apit#

2B
$D8- Bank has recentl" la%nche! the -re!it -ar!# Asing -re!it -ar!s "o% can !o sho&&ing
an! nee! not carr" large ao%nt of one" along (ith "o%# There are fi)e t"&es of -re!it
-ar!s gi)en b" $D8- bank i#e# 7il)er* .ol!* 1al%e Pl%s* $ealth Pl%s an! Titani% -ar!#
B%t here in Aritsar Titani% car! has not "et la%nche!# $ere there are onl" fo%r t"&es of
cre!it car!s# All these car!s are lifetie car!s# These cre!it car!s are International -re!it
-ar!s#
7IL10+ -+0DIT -A+D
$ere the ini% liit is +s# 1D*DDD an! a4i% is 1 lakh# $ere "o%r ao%nt (ill be
(ith!ra(n after 9D!a"s# This car! also &ro)i!e (ith ?#9 lakh acci!ental ins%rance absol%tel"
free# B%t this "o% (ill ha)e to clai (ithin 24 ho%rs# The !oc%entation re,%ire! for this is
i! &roof* &an car! etc# If the c%stoer alrea!" has an acco%nt then the bank (ill f%lfill all the
foralities B%t if the acco%nt is ne( then
F2+$.&2# < B2)2("$#;8
 E+&) :4"02 '%. #62)*
5ith %s* one" s&ent is one" earne!# 8or e)er" +s# 1DD "o% s&en!* "o% earn 2
re(ar! &oints# Ho% can re!ee these acc%%late! &oints for e4citing gifts an!
offers fro o%r e4cl%si)e re(ar!s &rogra#
 A** %) 1+&*#
.et %& to 3 s%&&leentar" car!s for "o%r s&o%se* &arents* siblings 2o(n
brotherFsister3* son an!For !a%ghter 2o)er 1> "ears3 an! allo( the to en@o" the
an" benefits of a $D8- Bank International 7il)er -re!it -ar!#
 C2&% 0"+/"0"$' %) 0%#$ 1+&*
+e&ort "o%r cre!it car! loss ie!iatel" to o%r e4ec%ti)es at o%r 24'ho%r call
centers# After re&orting to %s* "o% carr" /ero liabilit" on an" fra%!%lent
transactions on "o%r car!#
 W"*20' +1126$2*
Acce&te! at o)er 11D*DDD erchant establishents across In!ia an! Ne&al
an! close to 1> illion 1I7A establishents aro%n! the (orl!#
Banast#a$i vi!#&apit#

2>
GOLD CREDIT CARD
 If "o% ha)e a taste for the goo! things in life#
 If "o% like been (aite! %&on#
 If "o% ne)er settle for an"thing b%t the best#
Ho% !onKt ha)e to look an" f%rther than the $D8- Bank .ol! International -ar!#
Loin the ost e4cl%si)e cl%b in to(n# .et "o%rself an $D8- Bank International .ol!
-ar! an! get intro!%ce! to a (hole ne( life of &ri)ileges#
F2+$.&2# < B2)2("$#;
 S621"+0 %((2& %) +"& $"1,2$#
Attracti)e !isco%nts on !oestic an! international air tickets#
 D"#1%.)$# %) 4%$20 $+&"((
A (ho&&ing 9DE !isco%nt on hotel sta"s across 3D cities in In!ia thro%gh
co&lientar" ebershi& to the International B%siness Tra)ellerKs -l%b# This also
entitles "o% to !isco%nts %& to 9DE at o)er 1D*DDD hotels (orl!(i!e#
 ED$2)#"32 $&+3208&20+$2* ")#.&+)12
-o)ers loss of baggage* loss of air ticket* !ela"e! flight* late baggage arri)al* loss of
&ass&ort an! hi@acking#
 C%56&242)#"32 I)#.&+)12 1%32&+-2
This co)erage (ill co)er acci!ental Death* hos&itali/ation e4&enses !%e to an acci!ent*
&%rchase &rotection an! ho%sehol! ins%rance#
 G&2+$2& &2:+&* 6%")$#
Banast#a$i vi!#&apit#

2:
Ho% stan! to earn 2 re(ar! &oints for e)er" +s 1DD s&ent b" "o% ' a clear 2DDE
a!)antage o)er an" other cre!it car!s# This (o%l! be in a!!ition to s&ecial &roo
&rogras (here "o% (o%l! earn bon%s &oints#
 R2:+&* 6%")$# &2*256$"%)
After earning all those re(ar! &oints* ha)e f%n re!eeing the for e4citing gifts an!
facilities* or @%st con)ert the !irectl" into s&en!sTT 5e &resent to "o% the M" +e(ar!s
&rograe an! the Air Miles re!e&tion &rograe!#
 M' R2:+&*# 6&%-&+552*
This &rograe! offers to "o% a )ast arra" of &ro!%cts* gifts* holi!a" &ackages an!
ore# Ho% can e)en ha)e the facilit" of ac,%iring (hat "o% nee! b" &a"ing &artl"
thro%gh the acc%%late! &oints an! &a"ing the balance thro%gh "o%r $D8- Bank .ol!
car!# This is &ossible thro%gh o%r %ni,%e -lassic* Prei% an! 8as Track &rograers#
 A"& M"02# &2*256$"%)
+e!ee "o%r acc%%late! re(ar! &oints for air iles on lea!ing airlines like In!ian
Airlines an! Let Air(a"s#
 W%&0*:"*2 +1126$+)12
Acce&te! at o)er 23 illion Merchant 0stablishents aro%n! the (orl!* incl%!ing
11D*DDD Merchant 0stablishents in In!ia#
 R23%03")- 1&2*"$ (+1"0"$'
Pa" a ini% ao%nt* (hich is 9E 2s%b@ect to a ini% ao%nt of +s#2DD3 of "o%r
total bill ao%nt or an" higher ao%nt (hiche)er is con)enient an! carr" for(ar! the
balance to a better financial onth* for (hich "o% &a" a charge of 2#:9E 22#>9E &er
onth for $D8- Bank Acco%nt $ol!ers3 &er onth#
 F&22 A**8%) 1+&*
Ho% can share these (on!erf%l feat%res (ith "o%r lo)e! ones too ' (e offer the facilit"
of an a!!'on car! for "o%r s&o%se* chil!ren or &arents# Allo( %s to offer the first s%ch
a!!'on car! to "o% 8+00 O8 -O7T (ith o%r co&lients#
Banast#a$i vi!#&apit#

3D
 I)$2&2#$ (&22 1&2*"$ 62&"%*
Ho%r -ar! no( gets "o% the highest 8ree -re!it Perio! of %& to 9D !a"s fro the !ate of
&%rchase 2s%b@ect to the s%bission of the charge b" the Merchant3# 7%bse,%entl"* if "o%
carr" for(ar! "o%r o%tstan!ing balance "o% @%st &a" a noinal interest of 2#:9E 22#>9E
&er onth for $D8- Bank acco%nt $ol!ers3 &er onth#

INTERNATIONAL DEBIT CARD;
$D8- Bank has recentl" la%nche! the International Debit -ar! in M%bai an!
Delhi in association (ith 1isa# The Debit -ar! is @%st like ATM* (ith the a!)antage
that it can also be %se! to sho& or &a" to @%st abo%t an"thing# All o)er the In!ia as
(ell as abroa!* it is a&&licable# A Debit -ar! is basicall" a better (a" of carr"ing
cash or a che,%e book# It is an electronic car! that one can %se as a con)enient
&a"ent echanis# The car! is generall" iss%e! b" "o%r bank an! is connecte!
thro%gh the ATM# Debit -ar! allo( "o% to s&en! onl" (hat is in "o%r acco%nt an!
&%rchase sho%l! be ke&t track of @%st as if "o%=re (riting a che,%e#
8or transaction at 1I7AFPLA7 ATMs follo(ing charges a&&l"#
D%52#$"1 ="#+EP0.# A$5 L%1+$"%)
-ash (ith!ra(al &er transaction +s# 99
Balance en,%ir" &er transaction +s# 1D
I)$2&)+$"%)+0 ="#+EP0.# ATM L%1+$"%)
-ash (ith!ra(al &er transaction +s# 11D
Balance en,%ir" &er transaction +s# 1D
E0"-"/"0"$';
Banast#a$i vi!#&apit#

31
A# +esi!ent In!ian hol!ing an" of the follo(ing Acco%nts (ith $D8- Bank:'
1# 7a)ing Acco%nt
2# -%rrent Acco%nt 2 7ole Pro&rietorshi&3
3# 7%&er 7a)ing Acco%nt
4# Loan Against 7hares Acco%nt 2LA73
9# 7alar" Acco%nt
B# Non' +esi!ent In!ian hol!ing an" of the follo(ing N+I Acco%nts (ith $D8- Bank:'
1# N+I 7a)ing Acco%nt
2# N+0 7a)ing De&ositor" Acco%nt
3# N+0 -%rrent De&ositor" Acco%nt
A*3+)$+-2# %( I)$2&)+$"%)+0 D2/"$ C+&*
I. I)$2&)+$"%)+0 D2/"$ C+&*; I$# 0",2 +) ATM 1+&* '%. #4%6 :"$4;
a# Ase "o%r $D8- Bank International Debit -ar! to access "o%r acco%nt fro a
(i!es&rea! net(ork of ATM=s (ithin In!ia an! abroa!# 5ith!ra( cash at
o)er B* DD*DDD 1isaFMaestroFPl%sF-irr%s ATM=s in 14D co%ntries#
b# 7ho& at o)er 3D*DDD establishents in In!ia an! o)er 1D illion (orl!(i!e
(ith "o%r International Debit -ar!#
c# At selecte! Branches of -anara Bank an! Bank of In!ia "o% can (ith!ra(
cash against "o%r $D8- Bank International Debit -ar! 2a)ailable onl" (ith
the 1isa 0lectron &rograe3#
II. C+#4 :"$4*&+:+0 +$ #2021$ C+)+&+ B+), +)* B+), %( I)*"+ /&+)142# F(%& ="#+
E021$&%) P&%-&+552 %)0'G; 5alk into 49D selecte! branches of -anara Bank of In!ia
across the co%ntr" an! (ith!ra( cash against "o%r $D8- Bank International Debit
-ar! 2a)ailable onl" (ith the 1isa 0lectron &rograe3#
Banast#a$i vi!#&apit#

32
III. D+"0' :"$4*&+:+0 0"5"$#; "o% can (ith!ra( %& to +s# 19*DDDF' at ATMs an! ake
&%rchases %& to +s# 29*DDDF' at erchant locations 2Point of sale3 &er !a"# 8or cash
(ith!ra(al -anara Bank an! Bank of In!ia locations 21I7A 0lectron -ar! hol!er
onl"3 the &oint of sale liit a&&lies#

NET BANKING
Net Banking is $D8- BankKs Internet Banking ser)ice# Pro)i!ing %&'to'the'secon! acco%nt
inforation* Net Banking lets "o% anage "o%r acco%nt fro the cofort of "o%r o%se '
an"tie* an"(here# Net Banking is +eal Tie* gi)ing "o% %&'to'the'secon! !etails on "o%r
acco%nt# It can be accesse! an"tie* fro an"(here* gi)ing "o% co&lete control o)er "o%r
finances# There are no ,%e%es to stan! in* or t%rns to (ait for# 5ith Net Banking "o% are in
control# $D8- BankKs Net Banking ser)ice is sec%re# Asing in!%str"'stan!ar! technologies
an! infrastr%ct%res* o%r ser)ice gi)es "o% &eace of in!# 7o ne4t tie "o% think of )isiting
"o%r branch* s(itch on "o%r P- instea!#
It is ost so&histicate! (a" to bank# This is another con)ent (a" to access the bank
acco%nt fro an" &art of (or!* thro%gh internet* (hen one registers for net banking#
$eF7he (ill get a &ass(or! (hich can be %se! (ith the c%stoer ID n%ber to con!%ct
transactions an! get %& to !ate the &ro!%cts an! ser)ices ro%n! the clock#
F2+$.&2#
• 1ie( Acco%nt Balances M 7tateents
• Transfer 8%n!s bet(een acco%nts
• -reate 8i4e! De&osits Online
• +e,%est a Dean! Draft
• Pa" Bills
• Or!er a -he,%e Book
• +e,%est 7to& Pa"ent on a -he,%e
Banast#a$i vi!#&apit#

33
E0"-"/"0"$';8
All "o% nee! to access Net Banking if "o% ha)e a sa)ing or c%rrent or fi4e! !e&osit acco%nt#
8inancial transactions can be a!e b" sa)ing acco%nt hol!er 2(ith either or s%r)i)or
an!ate3* in!i)i!%al c%rrent acco%nt hol!er an! sole &ro&rietorshi& acco%nt hol!er#
No( "o% can also !o(nloa! the for fro the (ebsite or contact "o%r nearest branch#
AD=ANTAGES OF NET BANKING;
i# R2+08$"529 %)0")2 /+),")-; Net Banking is an"tie* an"(here* real tie* on
line banking# +eal tie eans instant %& to the secon! acco%nt transactions
!is&la"e! on the Internet# $D8- Bank is aong the first in INDIA to enable
s%ch high tech connecti)it"#
ii# S21.&"$'; Net Banking %ses 12>'bit encr"&tion 7ec%re 7ocket La"er 277L3
technolog"* one of the ost sec%re fors of transaction an! the highest le)el of
sec%rit" coerciall" a)ailable on the internet#
""". 68$%8$428#21%)* +11%.)$ /+0+)12E #$+$252)$ ")7."&';
i)# R27.2#$ (%& + )2: ("D2* *26%#"$; Make a 8i4e! De&osit in,%ir" or e)en ake
a TD7 in,%ir" on "o%r 8i4e! De&osits#
)# R27.2#$ (%& + 1427.2 /%%,: 0n,%ire abo%t the stat%s of a che,%e iss%e! or sto&
che,%e &a"ent re,%est in an eergenc"#
)i# R27.2#$ (%& D25+)* D&+($E/+),2&H# C427.2; The" (ill be !eli)ere! to "o%r
ailing a!!ress#
)ii# F&22 O)0")2 T4"&* P+&$' T&+)#(2& F+1"0"$'; Instantl" transfer f%n!s bet(een
"o%r acco%nts an! to a thir! &art" that ha)e an acco%nt (ith the bank#
)iii# D25+$ %) NET; It hel& "o% )ie( "o%r Dean! Acco%nt* acco%nt hol!ings*
transactions in the acco%nt co&an"'(ise* an! get !etails regar!ing &a"'in* &a"'
o%t !ates* etc#
i4# F.)*# T&+)#(2&; Net Banking akes it eas" to transfer f%n!s bet(een an" of
"o%r acco%nts* e)en if the" are in !ifferent branchesFcities#
Banast#a$i vi!#&apit#

34
PREFEERED BANKING
$o( "o% (o%l! like a banker !e!icate! to take care of all "o%r banking re,%ireents an!
s%ggesting (a"s to in)est "o%r one" (ith goo! ret%rns fro tie to tieQ If "o%Kre a
seasone! &rofessional or ha)e been r%nning a s%ccessf%l b%siness o)er the "ears* the $D8-
Bank Preferre! Prograe is eant for "o%#
As a )al%e! c%stoer "o% benefit fro o%r +elationshi& Pricing Prograe (ith e4cl%si)e
offers s%ch as a free .ol! International Debit car!* a free International Titani% car! or a
free International .ol! -re!it -ar!* loans at &referential rates* etc#
F2+$.&2# < B2)2("$#;
 De!icate! +elationshi& Manager
 -%stoi/e! In)estent 7ol%tions
 In)estent O&tions
 5ealth Manageent Progra
 0'Broking
 04&e!ite Ta4 Pa"ents
 +elationshi& Pricing
 B%siness 7ol%tions
 On'!ean! e4cl%si)e &ri)ileges
 Ann%al 7er)ice -harge 5ai)er
Banast#a$i vi!#&apit#

39
PROFILE OF BANK
A/%.$ B ICICI B+), L"5"$2*9 I)*"+
In 1:99* The In!%strial -re!it an! In)estent -or&oration of In!ia Liite! 2I-I-I3 (as
incor&orate! at the initiati)e of 5orl! Bank* the .o)ernent of In!ia an! re&resentati)es of
In!ian in!%str"* (ith the ob@ecti)e of creating a !e)elo&ent financial instit%tion for
&ro)i!ing e!i%'ter an! long'ter &ro@ect financing to In!ian b%sinesses# In 1::4*
I-I-I establishe! Banking -or&oration as a banking s%bsi!iar"# 8orerl" kno(n as
In!%strial -re!it an! In)estent -or&oration of In!ia* I-I-I Banking -or&oration (as later
renae! as KI-I-I Bank Liite!K
C+6"$+0 #$&.1$.&2
I-I-I Bank is In!iaKs secon!'largest bank (ith total assets of +s# 3*?34#DD billion 2A7I >1
billion3 at March 31* 2D1D an! &rofit after ta4 +s# 4D#29 billion 2A7I >:? illion3 for the
"ear en!e! March 31* 2D1D#
I-I-I BankKs e,%it" shares are liste! in In!ia on Boba" 7tock 04change an! the National
7tock 04change of In!ia Liite! an! its Aerican De&ositar" +ecei&ts 2AD+s3 are liste! on
the Ne( Hork 7tock 04change 2NH703#
BOARD OF DIRECTORS
Managing Director an! -hief e4ec%ti)e
Officer
-han!a Jochhar
De&%t" Managing Director 7an!ee& Bakhshi
Banast#a$i vi!#&apit#

3?
04ec%ti)e Director Jannan#7
7enior 7ecretar" Nita -olaco
7enior .eneral Manager Niesh 7hah
04ec%ti)e Director 7on@o" -hatter@ee
04ec%ti)e Director +ak%ar J
7enior 7ecretar" L%c" Ale!ia
-hief Technolog" Officer Pra)ir 1ohra
D"#$&"/.$"%) )2$:%&,
The Bank has a net(ork of 2*D1? branches an! abo%t 9*21: ATMs in In!ia an! &resence in
1> co%ntries# I-I-I Bank offers a (i!e range of banking &ro!%cts an! financial ser)ices to
cor&orate an! retail c%stoers thro%gh a )ariet" of !eli)er" channels an! thro%gh its
s&eciali/e! s%bsi!iaries in the areas of in)estent banking* life an! non'life ins%rance*
)ent%re ca&ital an! asset anageent# The Bank c%rrentl" has s%bsi!iaries in the Anite!
Jing!o* +%ssia an! -ana!a* branches in Anite! 7tates* 7inga&ore* Bahrain* $ong Jong*
7ri Lanka* Ratar an! D%bai International 8inance -entre an! re&resentati)e offices in
Anite! Arab 0irates* -hina* 7o%th Africa* Bangla!esh* Thailan!* Mala"sia an! In!onesia#
O%r AJ s%bsi!iar" has establishe! branches in Belgi% an! .eran"#
T214)%0%-'
7k" -ell -o%nications Lt!* one of the t(o cell%lar ser)ice &ro)i!ers in -hennai* has
la%nche! U7k" BankingK* for (hich the co&an" has tie! %& (ith I-I-I Bank an! $D8-
Bank#
The I-I-I has anno%nce! the la%nch of obile banking ser)ices for its c%stoers* %sing the
(ireless a&&lication &rotocol 25AP3 technolog"#
8or! In!ia has tie! %& (ith I-I-I Bank to intro!%ce a schee* enabling non'resi!ent
In!ians 2N+Is3 to &%rchase a 8or! Ikon car for their frien!s an! relati)es in In!ia#
I-I-I Bank has set %& an ATM facilit" at an In!ian Oil -or&oration &etro !iesel o%tlet at
-hennai#
I-I-I Bank has tie! %& (ith -hennai Tele&hones to &ro)i!e Internet bill &a"ent facilit" to
its c%stoers!
AWARDS AND RECOGNITIONS
 I-I-I Bank bags the ;Best bank in 7M0 financing 2Pri)ate 7ector3< at the D%n an!
Bra!street a(ar!s 2DD:#
Banast#a$i vi!#&apit#

3B
 I-I-I Bank N+I ser)ices (in the ;04cellence in B%siness Mo!el Inno)ation A(ar!<
in the eighth Asian Banker 04cellence in +etail 8inancial 7er)ices A(ar!s
Prograe#
 I-I-I bank=s +%ral Micro Banking an! Agri'B%siness .ro%& (ins 5O5 0)ent an!
04&eriential Marketing A(ar! in t(o categories:#< +%ral Marketing Prograe of
the Hear< an! ;7all B%!get on .ro%n! Protection of the Hear<# These a(ar!s (ere
gi)en for -attle Loan GJa!hen% -a&aign= an! GTalkies on the o)e ca&aign=
res&ecti)el"#
 I-I-I Bank=s .eran" branch has been certifie! b" ;7tift%ng 5arrentest<#I-I-I
Bank is ranke! 2
n!
aongst the 9B sa)ings &ro!%cts across 1: banks#
 I-I-I Bank .eran" (on the "earl" banking test of the in)estor aga/ine 0%ro in
the ;-all Mone"< categor"#
 I-I-I Bank (as a(ar!e! the r%nner=s %& &osition in .artner B%siness Intelligence
an! 04cellence a(ar! for Asia Pacific for its B%siness Intelligence f%nctions#
 I-I-I Bank=s Organi/ational 04cellence .ro%& (as recentl" a(ar!e! I7O
:DD1:2DD> certification b" TA1 Nor!# The sco&e of certification co&rise!
&rocesses aro%n! cons%lting an! ca&abilit" b%il!ing on etho!s of ,%alit" an!
i&ro)eents#
 I-I-I Bank has been a(ar!e! the follo(ing titles %n!er The Asset Tri&le A -o%ntr"
a(ar!s for 2DD:
• Best Transaction Bank in In!ia
• Best Tra!e 8inance Bank in In!ia#
• Best -ash Manageent Bank in In!ia#
• Best Doestic -%sto!ian in In!ia#
 I-I-I Bank -ana!a recei)e! the &restigio%s -ana!ian $elen Jeller A(ar! at the
-ana!ian $elen Jeller -entre=s 8ifth Ann%al L%ncheon in Toronto# The a(ar! (as
gi)en to I-I-I Bank for its long'stan!ing s%&&ort to its %ni,%e training centre for
&eo&le (ho are !eaf'blin!#
Banast#a$i vi!#&apit#

3>

T'62# %( S+3")- A11%.)$#
L"(2 P0.# S2)"%& C"$"I2) S2&3"12#
I-I-I Bank=s GLife Pl%s= 7enior -iti/en 7er)ices ha)e been !esigne! to e&o(er senior
citi/ens to in!e&en!entl" carr" o%t the !a"'to'!a" banking transactions (ith !ignit" an!
confi!ence# These senior citi/en benefits are e4cl%si)el" for c%stoers abo)e ?D "ears of
age#
T42 ICICI B+), E*-2
• Designate! 7enior -iti/en=s !esk for Life Pl%s c%stoers at all I-I-I Bank branches
• $igher Interest +ates on Ter De&osits
• O)er!raft against "o%r !e&osit
• 8ree collection of o%tstation che,%es !ra(n on an" I-I-I Bank location
• 7&ecial 7enior -iti/en KLife Pl%sK Debit car!
• Mone" M%lti&lier 8acilit"
• An"(here Banking
• Internet Banking
• -%stoer -are
• Noination 8acilit"
F2+$.&2#
• No ore (aiting in long ,%e%es for "o%* a senior citi/en can no( a&&roach the
Designate! 7enior -iti/en !esk at an" I-I-I Bank branch an! get his F her acco%nt
ser)ice!#
• 0arn a higher interest rate on "o%r ters !e&osits (ith %s#
• Dean! Loan F o)er!raft against !e&osits (ill be %& to :DE of the !e&osit#
• The %&co%ntr" che,%es collection facilit" for locations (ith I-I-I Bank &resence
free of charge to the 7enior -iti/en c%stoers#
• 8ree ,%arterl" &h"sical stateent#
• Pa"able'at'&ar che,%e book#
Banast#a$i vi!#&apit#

3:
• 8ree Access to an" BankKs ATMV ' The ne4t tie "o% (ant to (ith!ra( cash fro
"o%r I-I-I Bank acco%nt* @%st (alk into an" bankKs ATM an! %se "o%r I-I-I Bank ATM'
c%'Debit car!#
• Mone" M%lti&lier 8acilit"#
• Internet Banking is offere! free of cost#
• An"(here Banking ' This facilit" entitles the acco%nt hol!er to one free cash
(ith!ra(al or !e&osit &er onth %& to a liit of +s#9D*DDD across all I-I-I Bank
branches# +est of the transactions at noral charges W#
• Ho% can gi)e %s )ario%s t"&es of stan!ing instr%ctions like transferring to fi4e!
!e&osit acco%nts at reg%lar inter)als#
• An a)erage ,%arterl" balance of +s 9*DDD onl"#
• Noination facilit" is a)ailable#
• Interest is &a"able half'"earl"#
• No(* get a s&eciall" !esigne! !ebit car! (ith "o%r ne( KLife Pl%sK 7enior citi/en
acco%nt# This I-I-I Bank Ncash !ebit car! is a !ebit'c%'ATM car! &ro)i!ing "o% (ith
the con)enience of acce&tance at erchant establishents an! cash (ith!ra(als at
ATMs# 5ith a &er'!a" liit of +s#29* DDD each for ATM (ith!ra(als as (ell as for PO7
transactions* the Debit -ar! onl" a!!s ore cofort an! con)enienceT This is a)ailable
free of cost to I-I-I Bank 7enior -iti/en c%stoers#
M")"5.5 B+0+)12
A ini% a)erage ,%arterl" balance re,%ireent of +s# 9DDD (ith the acco%nt# Non'
aintenance of the ini% a)erage ,%arterl" balance attracts a fee of +s 29D &er ,%arter#
04isting 7enior -iti/en c%stoers (ill contin%e to en@o" the /ero balance facilit" (ith +s#
1D*DDD 8D till 3Dth 7e&teber* 2DDB# 8ro October 1st* 2DDB* a ini% balance of +s#
9*DDD is re,%ire!#
N%5")+$"%)
• Noination facilit" a)ailable for bank !e&osits#
• There can be onl" one Noinee for a !e&osit acco%nt (hether hel! singl" or @ointl"#
• A &erson legall" e&o(ere! to o&erate a inorKs acco%nt can file a noination on
behalf of the inor#
• A&&licants can ake noination b" filling %& the 8or &rescribe! %n!er the
Banking -o&anies 2Noination3 +%les 1:>9#
Banast#a$i vi!#&apit#

4D
• The noination !etails can be change! !%ring the s%bsistence of the acco%nt
relationshi& b" filling %& the 8or &rescribe! %n!er the Banking -o&anies
2Noination3 +%les 1:>9#
A*3+)$+-2 W%5+) S+3")-# A11%.)$
The I-I-I Bank A!)antage 5oan Acco%nt enables to!a"=s in!e&en!ent (oen to en@o"
hassle'free banking ser)ices# Besi!es the core I-I-I Bank a!)antage* the A!)antage 5oan
7a)ings Acco%nt is &acke! (ith s&ecial benefits for o%r (oen c%stoers# 0n@o" "o%r
&resent an! &lan for the f%t%re (ith I-I-I Bank=s A!)antage 5oan 7a)ings Acco%nt#
A!)antage 5oan offers a s&eciall" !esigne! (oanKs !ebit car! (hich hel&s "o% sho& an!
sa)e si%ltaneo%sl"* anages "o%r ho%sehol! e4&en!it%res an! coes (ith a bag f%ll of
offers attache! to it#
E0"-"/"0"$'
A!)antage 5oan 7a)ings Acco%nt can be o&ene! (ith &riar" a&&licant as an" resi!ent
In!ian (oan 2a@ors abo)e 1> "ears3#
T42 ICICI B+), E*-2
• Sero Balance facilit" (ith a +D of @%st +s# 2*DDDVV#
• A 7&ecial International 5oanKs Debit car! along (ith the acco%nt (ith a
(ith!ra(al F s&en!ing liit of +s# 29*DDD &er !a"#
• .a%t of !isco%nts an! benefits on "o%r 7&ecial 5oanKs Debit car!#
• 8ree %lti'cit" che,%e book#
• 8ree ,%arterl" &h"sical acco%nt stateent an! free onthl" eail stateent 2on
c%stoer re,%est3#
• Online Bill Pa" facilit" b" iss%ing a one'tie stan!ing instr%ction#
• M%lti channel access thro%gh ATM* Branch net(ork an! free Internet* obile an!
&hone banking#
• Noination facilit" a)ailable#
N%5")+$"%) F+1"0"$'
Banast#a$i vi!#&apit#

41
• Noination facilit" a)ailable for bank !e&osits#
• There can be onl" one Noinee for a !e&osit acco%nt (hether hel! singl" or @ointl"#
• A &erson legall" e&o(ere! to o&erate a inorKs acco%nt can file a noination on
behalf of the inor#
• A&&licants can ake noination b" filling %& the 8or &rescribe! %n!er the
Banking -o&anies 2Noination3 +%les 1:>9#
• The noination !etails can be change! !%ring the s%bsistence of the acco%nt
relationshi& b" filling %& the 8or &rescribe! %n!er the Banking -o&anies
2Noination3 +%les 1:>9#
• 8or ore !etails a&&roach "o%r bank#
VVThis is as long as the +ec%rring De&osit is acti)e* else a Mini% R%arterl" A)erage
Balance 2RAB3 of +s#1D* DDDF' is to be aintaine! an! stan!ar! charges (ill be !ebite! on
non'aintenance of RAB#
P&"3"02-2 B+),")-
-hoose the I-I-I Bank Pri)ilege Banking acco%nt to en@o" e4cl%si)e benefits across (i!e
range of &ro!%ct an! ser)ices#
The Pri)ilege banking acco%nt )ariants (e offer are ' sil)er* gol! an! titani%C each
!esigne! to s%it "o%r s&ecific nee!s# In a!!ition to benefits like one" %lti&lier*
noination facilit"* internet banking an! obile banking* "o% can a)ail other s&ecial
&ri)ileges like:
• Priorit" ser)ice at all I-I-I bank branches an! thro%gh -%stoer -are#
• Preferential rate on &%rchase of I-I-I Bank &%re gol! an! foreign e4change#
• Disco%nt on ann%al fee for safe !e&osit locker#
• 7&ecial rates on I-I-I Bank loans#
• Preferential rate on DDF PO charges#
• M%lti'cit" che,%e book#
J%.)- S$+&#
At J%.)- S$+&#* (e (ill g%i!e "o%r chil! thro%gh the (orl! of banking ' fro checking the
chil!=s sa)ings acco%nt balance to g%i!ing thro%gh f%n /ones an! s&ecial &ages on the
Internet Banking channel# It akes banking a &leas%re an! teaches "o%r chil! to anage his
Banast#a$i vi!#&apit#

42
or her &ersonal finances thro%gh a #+3")-# +11%.)$#
Ho% can transfer &ocket one" into "o%r chil!Ks acco%nt# Ho% can e)en sho& (ith hi F her
at Ho%ng 7tars 7ho&&ing Page# Ho% can also o&en a rec%rring !e&osit in "o%r chil!Ks nae#
Once "o% are !one (ith "o%r KbankingK* "o% can access "o%r chil!Ks acco%nt (ith all the f%n
links to s&ecial /ones !esigne! to s%it "o%r chil!Ks area of interests an! also i&art
kno(le!ge on the c%rrent e)ents of the (orl!#
K2' F2+$.&2#
• O&en a K"*K# S+3")-# A11%.)$9 F"D2* D26%#"$ or a R21.&&")- D26%#"$.
• The ini% a)erage balance for a 7a)ings Acco%nt Is +s#2* 9DD#
• 8ree &ersonali/e! -he,%e Book
• Internet Banking#
• 8ree International Debit -ar!V#
• Dail" (ith!ra(al an! s&en!s of %& to +s#2* 9DD#
• Transfer 8%n!s 8acilit"#
E0"-"/"0"$'
ICICI B+), J%.)- S$+&# A11%.)$ is a /+),")- #2&3"12 (%& 14"0*&2) in the age gro%& of 1
!a"'1> "ears# It is essential for the &arentFg%ar!ian to also hol! an acco%nt (ith I-I-I Bank#
In e)ent of the &arentFg%ar!ian not hol!ing an I-I-I Bank 7a)ings Acco%nt* both the
acco%nts 2&arentKs 7a)ing Acco%nt an! Ho%ng 7tar Acco%nt3 can be si%ltaneo%sl" o&ene!#
SWOT ANALJSIS F!DFC B+),G
7T+0N.T$:
 +ight strateg" for the right &ro!%cts#
Banast#a$i vi!#&apit#

43
 7%&erior c%stoer ser)ice )s# co&etitors#
50AJN07707:
 7oe ga&s in range for certain sectors#
 -%stoer ser)ice staff nee!s training#
 7ectoral gro(th is constraine! b" lo( %ne&lo"ent le)els an! co&etition for
staff#
OPPA+TANITI07:
 -o%l! e4ten! to o)erseas broa!l"#
 8ast'track career !e)elo&ent o&&ort%nities on an in!%str" (i!e basis#
 -o%l! seek better c%stoer !eals#
T$+0AT7:
 1er" high co&etition &re)ailing in the in!%str"#
 Lack of infrastr%ct%re in r%ral areas co%l! constrain in)estent#
 $igh )ol%eFlo( cost arket is intensel" co&etiti)e#
COMPETITI=E SWOT ANALJSIS WIT! ICICI BANK;
7T+0N.T$ 50AJN077 OPPA+TANITI07
7'O 7T+AT0.I07
7trength: Large ca&ital base
O&&ort%nit": Market 04&ansion
Banast#a$i vi!#&apit#

44
7trateg": Dee& &enetration into r%ral arket
5'O 7T+AT0.I07
5eakness: 5orkforce res&onsi)eness#
O&&ort%nit": O%tso%rcing of Non'-ore B%siness#
7trateg": O%tso%rce c%stoer care an! other 0'$el&s#
T$+0AT7
7'T 7TAT0.I07
7trength: Lo( o&erating costs#
Threat: Increase! co&etition fro other &ri)ate banks#
7trateg": 7te&s to ens%re lo"alt" b" ol! c%stoers#
5'T 7T+AT0.I07
5eakness: Not e,%al to International 7tan!ar!s#
Threat: 0ntr" of an" foreign banks#
7trateg": -onsi!er a!!itional benefits
Banast#a$i vi!#&apit#

49
RESEARC! MET!ODOLOGJ
+esearch etho!olog" is a s"steatic (a"* (hich consists of series of action ste&s*
necessar" to effecti)el" carr" o%t research an! the !esire! se,%encing to these ste&s# The
arketing research is a &rocess of in)ol)es a no# of inter'relate! acti)ities* (hich o)erla&
an! !o rigi!l" follo( a &artic%lar se,%ence# It consists of the follo(ing ste&s:'
• 8or%lating the ob@ecti)e of the st%!"
• Designing the etho!s of !ata collection
• -ollecting the !ata
• Processing an! anal"/ing the !ata
• +e&orting the fin!ings

Banast#a$i vi!#&apit#

4?
O/L21$"32 %( S$.*'
R2#2+&14 D2#"-)
D+$+ C%0021$"%)
D+$+ A)+0'#"#
OBMECTI=E
 To %n!ertake the comparative ana$&sis of privati6e 7anks "HDFC 7ank an! ICICI
7ank3 in sa)ing acco%nts sector#
 To st%!" consumer preference for the abo)e t(o entione! saving accounts
p$a&ers
 To anal"/e the satisfaction $eve$ of privati6e 7anks "HDFC Bank an! ICICI Bank'
Home 1oan Customers
 To kno( the strengths of the $D8- M I-I-I bran! an! also those (hich can be
!ail" to strength the bran! iage#
LIMITATIONS
 This research st%!" (as tie bo%n! an! !%e to this onl" fe( to&ics (ere taken %& for
st%!"#
 This research st%!" (as taken in a liite! area onl" 2i#e#Jota cit"3 an! fin!ings a"
)ar" if the area of st%!" is increase! or change!#
 7oe of the res&on!ents ight ha)e been biase! in their res&onses as s%ch the
anal"sis co%l! )ar" to soe e4tent#
 5hile anal"sis of !ata* soe h%an errors co%l! ha)e been &ossible#
 7a&le !ra(n thro%gh con)enience sa&ling* for c%stoer s%r)e" cannot be (ell
associate! (ith the attrib%tes of &o&%lation# $ere I got the ,%estionnaire fill fro
&eo&le selecte! arbitraril" (ho ha&&ene! to be those: (e are failiar (ith e#g# o%r
neighbors* o%r frien!s* etc# The a@orit" of the res&on!ents (ere fro e!%cate!
Banast#a$i vi!#&apit#

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i!!le class an! &erha&s this is the section of societ" (hich is being targete! b"
banks# This is beca%se of t(o reasons:
a3 The h%ge si/e of i!!le class &o&%lation#
b3 Their increasing nee! an! a(areness for sa)ings in this class#
RESEARC! DESIGN
A research !esign is the s&ecification of etho!s an! &roce!%res for ac,%iring the
inforation nee!e!# It is the o)erall o&erational &attern or frae(ork of the &ro@ect that
sti&%lates (hat inforation is to be collecte! fro (hich so%rce b" (hat &roce!%res#
+esearch !esign !enotes the !escri&tion of the research !esign# The ai (as to collect
rele)ant inforation* (hich f%lfill o%r re,%ireent an! can be anal"/e! at a later stage of
st%!" (itho%t an" &roble# This (as to be !one in ini% e4&en!it%res an! least efforts
an! in a set &erio! of tie# 8or " research I select GDESCRIPTI=E RESEARC!
DESIGNH to kno( the C%56+&"#%) /2$:22) S+3")- A11%.)$# %( !DFC B+), +)* ICICI
B+), ") K%$+ cit"# This hel&e! %s in ha)ing eno%gh &ro)ision for &rotection against bias
an! a4ii/es reliabilit"#
DATA COLLACTION
DATA COLLECTION MET!OD
The etho!olog" re)eals the etho!s of !ata collection# There a" be &riar" so%rces or
secon!ar" so%rces of !ata collection#
C%0021$")- S21%)*+&' D+$+;
Banast#a$i vi!#&apit#

4>
After !eci!ing " ob@ecti)e I looke! for collecting an! st%!"ing secon!ar" !ata# It incl%!e!
e4tensi)e st%!" of literat%re a)ailable in re&orts of $D8- bank an! I-I-I Bank* articles*
ne(s&a&ers* @o%rnals* aga/ines* han!o%ts* &a&hlets !escribing the banks#
7t%!" of secon!ar" !ata ga)e e an insight into the &roble into han!# It also &ro)i!es
e (ith cl%es an! hel&e! in !esigning &riar" research# It &ro)i!e! %s a ore acc%rate
&ict%re abo%t the f%nctioning of )ario%s ser)ice &ro)i!ers in the Jota cit"#
04tensi)e %se of secon!ar" inforation in the for of aga/ines* @o%rnals* ne(s&a&er
cli&&ings* s%ch as B%siness 5orl!* B%siness To!a"* B%siness In!ia* 0conoic Ties* etc#
Internet (ebsites of $D8- Bank an! I-I-I Bank#
C%0021$")- P&"5+&' D+$+;
The ob@ecti)e of Priar" !ata is for%late! on the basis of research ob@ecti)es# Ob@ecti)es
set the g%i!elines an! !irections of research &lanning #8or%lating the ob@ecti)es offers the
best feasible eans of sol%tion# The &riar" !ata for " st%!" (as being collecte! b"
con!%cting s%r)e"# To anal"/e b%"ing beha)ior an! in or!er to gain an insight into the b%"er
nee!'satisfaction le)el* a ,%estionnaire (as for%late! an! a!inistere! aong 1DD &eo&le#
The tools for !ata collection %se! (ere follo(ing t"&es:
TELEP!ONE INTER=IEW;
The tele&hone inter)ie( is %se! in lie% of &ersonal inter)ie(s# It is %se! beca%se inforation
has to be collecte! ,%ickl" an! ine4&ensi)el"# B" it I aske! the c%stoer abo%t their
satisfaction abo%t $D8- Bank an! I-I-I Bank $oe Loan &roce!%re# The !irect an!
str%ct%re! ,%estions are aske! b" c%stoers#
NESTIONNAIRES;
This etho! of !ata collection is ,%ite &o&%lar* &artic%larl" in case of big en,%iries# A
,%estionnaire is a etho! of obtaining s&ecific inforation abo%t a !efine! &roble so that
!ata* after anal"sis an! inter&retation* res%lts in a better a&&reciation of the &roble#
Banast#a$i vi!#&apit#

4:
In or!er to oti)ate res&on!ents an! to get best of the inforation fro the* I (as trie! to
b%il! ,%estionnaire that is interesting* ser)e " ob@ecti)e* %nabig%o%s an! eas" to
co&lete an! is not b%r!ensoe# The ai (as to enable ease in anal"sis an! facilitate eas"
classification of res&onse to get eaningf%l o%tcoe (ithin acce&table liits#
E@ECTION OF SR=EJ WORK;
The s%r)e" (ork is that (as !one to collect &riar" !ata# I con!%cte! ;-ons%er 7%r)e"
;b" %sing ,%estionnaires# I in!i)i!%all" a&&roache! to in!i)i!%als an! got the ,%estionnaire
fille! b" the# The in!i)i!%als (ere ran!ol" chosen#
ANALJSIS AND INTERPRETATION :
The follo(ing anal"sis (as !one to obtain the fin!ings in accor!ance (ith o%r ob@ecti)es
!eterine! !%ring the co%rse of st%!"# To kno( abo%t co&arati)e st%!" of hoe loan
schee offere! b" $D8- Bank an! I-I-I Bank an! assessing the le)el of cons%er
satisfaction# 8ollo(ing ,%estions aske! in the ,%estionnaire:
The ,%estionnaire (as fille! b" 3DD res&on!ents# O%t of 1DD* 39E are feales an! ?9E are
ales# The age of the res&on!ents lie bet(een 2D"ears to ?D "ears# There are19E
res&on!ents lie bet(een age gro%& of 2D'3D "ears*2?Eres&on!ents are of 3D'4D "ears of
age*3DE res&on!ents are of age gro%& of 3D'4D *14E res&on!ents lie bet(een age gro%& of
4D'9D "ears an! 19E res&on!ents are of age gro%& 9D'?D "ears#
N.1.I) :4"14 $'62 %( L%/ '%. +&2A
T'62# O( M%/ G%32&)52)$
#21$%&
P&"3+$2 S21$%& B.#")2## O$42&#
N%. O( P2&#%)#
FOG 23O 39O 24O 14O
A-A13SIS
Banast#a$i vi!#&apit#

9D
O%t of 1DD res&on!ents* there are 23E &ersons (ho are in go)ernent sector*3:E &ersons
are fro &ri)ate sector*24E &ersons ha)e their o(n b%siness an! 14E belongs to others
categor"#
N.2.W4+$ "# '%.& #+0+&' #$&.1$.&2 #0+/ FP2& M%)$4GA
S+0+&' P109000 1090008209000 2090008309000 Q309000
N%. O( P2&#%)#
FOG 29O 38O 25O 8O
A-A13SIS
Aong 1DD res&on!ents* the salar" of 2:E &ersons are belo( +s#1D*DDD*salar" of 3>E
&ersons lies bet(een +s#1D*DDD'+s#2D*DDD*salar" of 29E &ersons lies bet(een +s#2D*DDD'
+s3D*DDD*an! salar" of >E &ersons is ore than +s#3D*DDD#
N3. D% '%. 4+32 B+), A11%.)$A
O6$"%)# R2#6%)*2)$# P2&12)$+-2
J2# 4? B?#?BE
N% 14 23#33E
T%$+0 ?D 1DD
A-A13SIS
As the research is con)enience sa&ling an! relate! to res&on!ents (ho a)ailing ser)ices
are of banks so onl" those c%stoers (ere targete! (ho (ere ha)ing bank acco%nts an!
%sing banking ser)ices# BBE (ere ha)ing their bank acco%nts#
N.4.W4"14 /+), '%. 6&2(2& $% %62) #+3")- +11%.)$A
Banast#a$i vi!#&apit#

91
B+), !DFC B+), ICICI B+), O$42&#
N%. O( P2&#%)#
FOG
37O 29O 34O
A-A13SIS
Aong 1DD res&on!ents* 3BE &ersons &refer $D8- Bank to take &ersonal loan* 2:E
&ersons &refer I-I-I Bank an! 34E &ersons &refer other banks to take &ersonal loan#
N.5.A11%&*")- $% '%. :4"14 /+), 6&%3"*2# /2$$2& #2&3"12# +)* -%%* $&2+$52)$ ") %$42&
6&%*.1$# +)* #2&3"12#A
B+), !DFC B+), ICICI B+), O$42&#
N%. O( P2&#%)#
FOG
27O 39O 34O
A-A13SIS8 Aong 1DD res&on!ents* 2BE &ersons sa" that $D8- bank &ro)i!e goo!
treatent* 3:E &ersons sa"s that I-I-I bank &ro)i!e goo! treatent an! 34E &ersons sa"s
that other banks &ro)i!es goo! treatent#
N.6.A11%&*")- $% '%. :4% 2)L%' -%%* &26.$+$"%) ") #+3")- +11%.)$ #21$%&A
B+), !DFC B+), ICICI B+), O$42&#
N%. O( P2&#%)#FOG 35O 32O 33O
A-A13SIS
Aong 1DD res&on!ents* 39E &ersons sa" that $D8- bank en@o"s goo! re&%tation* 32E
&ersons sa"s that I-I-I bank en@o"s goo! re&%tation an! 33E &ersons sa"s that other banks
en@o"s goo! re&%tation#
N.7.W4"14 /+), 14+&-2# 0%:2& +11%.)$ 5+")$2)+)12 (22#A
Banast#a$i vi!#&apit#

92
B+), !DFC B+), ICICI B+), O$42&#
N% .O( P2&#%)#
FOG
42O 38O 20O
A-A13SIS
Aong 1DD res&on!ents* 42E sa"s that $D8- bank charges lo(er aintenance fees* 3>E
&ersons sa"s that it is lo( in case of I-I-I bank an! 2DE sa"s that other banks charges
lo(er aintenance fees#
N.8.J%.& %6")"%) +/%.$ !DFC #+3")- +11%.)$ 6&%*.1$#A
O6")"%) A32&+-2 G%%* =2&' G%%* ED12002)$
N%. O( P2&#%)#
FOG
10O 14O 44O 32O
A-A13SIS
Aong 1DD res&on!ents* 1DE sa"s that $D8- sa)ing acco%nt &ro!%cts are a)erage* 14E
sa"s that it is goo!* 44E sa"s that it is )er" goo! an! 32E sa"s that $D8- sa)ing acco%nts
&ro!%cts are e4cellent#
N.9.J%.& %6")"%) +/%.$ ICICI #+3")- +11%.)$ 6&%*.1$#A
O6")"%) A32&+-2 G%%* =2&' G%%* ED12002)$
N%. O( 62&#%)#
FOG
21O 46O 18O 15O
A-A13SIS
Aong 1DD res&on!ents* 21E sa"s that I-I-I sa)ing acco%nt &ro!%cts are a)erage* 4?E
sa"s that it is goo!* 1>E sa"s that it is )er" goo! an! 19E sa"s that I-I-I sa)ing acco%nt
&ro!%cts are e4cellent#
Banast#a$i vi!#&apit#

93
FINDINGS
 O%t of 1DD res&on!ents* there are 23E &ersons (ho are in go)ernent sector* 3:E
&ersons are fro &ri)ate sector* 24E &ersons ha)e their o(n b%siness an! 14E
belongs to others categor"#
 Aong 1DD res&on!ents* the salar" of 2:E &ersons are belo( +s#1D*DDD*salar" of
3>E &ersons lies bet(een +s#1D*DDD'+s#2D*DDD*salar" of 29E &ersons lies bet(een
+s#2D*DDD'+s3D*DDD*an! salar" of >E &ersons is ore than +s#3D*DDD#
 O%t of 1DD res&on!ents* there are BDE &eo&le (ho (ere ha)ing sa)ing acco%nt in
an" banks#
 Aong 1DD res&on!ents* 3BE &ersons &refer $D8- Bank to o&en sa)ing acco%nt*
2:E &ersons &refer I-I-I Bank an! 34E &ersons &refer other banks to o&en sa)ing
acco%nt
 Aong 1DD res&on!ents* 2BE sa"s that $D8- bank &ro)i!e goo! treatent* 3:E
sa"s that I-I-I bank &ro)i!e goo! treatent* 34E sa"s that other banks &ro)i!es
goo! treatent#
 Aong 1DD res&on!ents* 39E &ersons sa" that $D8- bank en@o"s goo! re&%tation*
32E &ersons sa"s that I-I-I bank en@o"s goo! re&%tation an! 33E &ersons sa"s that
other banks en@o"s goo! re&%tation#
 Aong 1DD res&on!ents* 42E sa"s that $D8- bank charges lo(er aintenance fees*
3>E &ersons sa"s that it is lo( in case of I-I-I bank an! 2DE sa"s that other banks
charges lo(er aintenance fees#
 Aong 1DD res&on!ents* 1DE sa"s that $D8- sa)ing acco%nt &ro!%cts are a)erage*
14E sa"s that it is goo!* 44E sa"s that it is )er" goo! an! 32E sa"s that $D8-
sa)ing acco%nt &ro!%cts are e4cellent#
Banast#a$i vi!#&apit#

94
 Aong 1DD res&on!ents* 21E sa"s that I-I-I sa)ing acco%nt &ro!%cts are a)erage*
4?E sa"s that it is goo!* 1>E sa"s that it is )er" goo! an! 19E sa"s that I-I-I
sa)ing acco%nt &ro!%cts are e4cellent#
RECOMMANDATIONS
 I-I-I Bank an! $D8- bank has to i&ro)e its bran! iage* i#e# it has to
&osition itself in the in!s of &ros&ects in a better (a" in co&arisons to others!
 Peo&le (ho !eal (ith c%stoers sho%l! ha)e co&lete kno(le!ge abo%t the
!ifferent &ro!%cts an! their feat%res#
 It sho%l! ore e&hasi/e in a!)ertising* as it is the ost &o(erf%l tool to
&osition ant bran! in the in!sets of c%stoers#
 It sho%l! &ro)i!e online training an! for those (ho are in @obs an! (ant to
becoe a!)isors $D8- sho%l! &ro)i!e e)ening training classes* so that the" can
@oin the training after !oing their @obs#
 It sho%l! o&en ore n%ber of branches in !ifferent cities#
CONCLSION
After !oing a lot of research an! st%!"ing the aterials a)ailable on internet* ne(s&a&ers*
aga/ines an! @o%rnals# I (ant to concl%!e that &eo&le &refers $D8- Bank ore than I-I-I
Bank for sa)ing acco%nts in &ri)ate sector# As &ri)ate banks are coing !ail" in o%r co%ntr"
still* Mostl" &eo&le &refers go)ernent banks for sa)ing acco%nts* es&eciall" ol!er &ersons
are ore !e&en!ent on go)ernent banks# It is tr%e that "o%nger &o&%lation &reference is
changing an! the" &refer ore &ri)ate banks beca%se of ser)ices an! facilities &ro)i!e! b"
&ri)ate banks# The a&&earance of banks also becoes )er" i&ortant for the &resent
generation an! &ri)ate banks &%t their co&lete efforts on this* (hich is lacking in
Banast#a$i vi!#&apit#

99
go)ernent banks# At last I can onl" sa" that $D8- Bank en@o"s lea!ing &osition in
&ersonal sa)ing acco%nt sector#
BIBLIOGRAP!J
B%%,#
• Marketing Manageent 21D 0!ition3* Phili& Jotler
• +esearch Metho!olog" 22n! 0!ition3* -#+# Jothari
W2/#"$2#
• (((#h!fcbank#co
• (((#google#co
• (((#icicibank#co
Banast#a$i vi!#&apit#

9?
ANNE@RE
Dear 7irFMa!a*
Nae:
I a a st%!ent of Banasthali Ani)ersit" Lai&%r -a&%s* Lai&%r an! &resentl" !oing a &ro@ect
on ;-OMPA+I7ION B0T500N 7A1IN. A--OANT7 O8 $D8- BANJ AND I-I-I
BANJ<# I re,%est "o% to kin!l" fill the ,%estionnaire belo( an! I ass%re "o% that the !ata
generate! shall be ke&t confi!ential#
N.1.I) :4"14 $'62 %( L%/ '%. +&2A
a3 .o)t# sector
b3 Pri)ate sector
c3 B%siness
!3 Others
N.2.W4+$ "# '%.& #+0+&' #$&.1$.&2 #0+/ FP2& M%)$4GA
a3 X1DDDD
b3 1DDDD'2DDDD
c3 2DDDD'3DDDD
!3 Y3DDDD
N3. D% '%. 4+32 B+), A11%.)$A
a3 Hes
b3 No
N.4.W4"14 /+), '%. 6&2(2& $% %62) #+3")- +11%.)$A
a3 $D8- Bank
b3 I-I-I Bank
c3 Others
Banast#a$i vi!#&apit#

9B
N.5.A11%&*")- $% '%. :4"14 /+), 6&%3"*2# /2$$2& #2&3"12# +)* -%%* $&2+$52)$ ") %$42&
6&%*.1$# +)* #2&3"12#A
a3 $D8- Bank
b3 I-I-I Bank
c3 Others
N.6.A11%&*")- $% '%. :4% 2)L%' -%%* &26.$+$"%) ") #+3")- +11%.)$ #21$%&A
a3 $D8- Bank
b3 I-I-I Bank
c3 Others
N.7.W4"14 /+), 14+&-2# 0%:2& +11%.)$ 5+")$2)+)12 (22#A
a3 $D8- Bank
b3 I-I-I Bank
c3 Others
N.8.J%.& %6")"%) +/%.$ !DFC #+3")- +11%.)$ 6&%*.1$#A
a3 A)erage
b3 .oo!
c3 1er" .oo!
!3 04cellent
N.9.J%.& %6")"%) +/%.$ ICICI #+3")- +11%.)$ 6&%*.1$#A
a3 A)erage
b3 .oo!
c3 1er" .oo!
!3 04cellent
Date:
Place: 7ignat%re:
Banast#a$i vi!#&apit#

9>
Thank Ho%
Banast#a$i vi!#&apit#

9:

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