HDFC Bank is India's largest private sector bank by assets. It was incorporated in 1994 as a subsidiary of Housing Development Finance Corporation. As of June 2022, HDFC Bank had over 6,300 branches across 3,200 cities in India. It offers a wide range of banking products and services including savings and current accounts, loans, credit and debit cards, investments, insurance, bonds, payment services, and forex. Key business segments include wholesale banking, retail banking, and treasury. The bank aims to meet international standards and build strong customer franchises across businesses through best practices.

1. IN DEPTH ANALYSIS
OF BANKING
PRODUCTS AND
SERVICES (HDFC)
FINANCIAL LITERACY (VAC)
NAME ROLL. NO. COURSE CONTRIBUTION
SUSHANT KUMAR “0922154” “B.Com Prog” (IDEAS
AND REFERENCES)
BALADITYA RAJ “0922042” “B.Com Prog” (PPT
MAKING AND RESEARCH)
ASHISH YADAV “0922047” “B.Com Prog” (IDEAS
AND REFERENCES)
GOSWAMI PAWAN BHARTI “0922040” “B.Com Prog”
Assigned by :- Neha Singhal Mam

2. INTRODUCTION OF HDFC BANK
• HDFC Bank Limited (also known as HDB) is
an Indian banking and financial services
company headquartered in Mumbai. It is India's
largest private sector bank by assets and world's
10th largest bank by market capitalisation as of
April 2021. It is the third largest company by
market capitalisation of $127.16 billion on the
Indian stock exchanges. It is also the fifteenth
largest employer in India with nearly 150,000
employees.

3. HISTORY OF HDFC BANK
• HDFC Bank was incorporated in 1994 as a
subsidiary of the Housing Development
Finance Corporation, with its registered office
in Mumbai, Maharashtra, India. Its first
corporate office and a full-service branch at
Sandoz House, Worli were inaugurated by the
then Union Finance Minister, Manmohan
Singh.
• As of 30 June 2022, the bank's distribution
network was at 6,378 branches across 3,203
cities. It has installed 430,000 POS terminals
and issued 23,570,000 debit cards and
12 million credit cards in FY 2017. It has a
base of 1,52,511 permanent employees as of
30 June 2022.

4. MISSION OF HDFC
• WORLD CLASS INDIAN BANK
• BENCHMARKING AGAINST INTERNATIONAL
STANDARDS.
• TO BUILD SOUND CUSTOMER FRANCHISES
ACROSS DISTINCT BUSINESSES
• BEST PRACTICES IN TERMS OF PRODUCT
OFFERINGS,TECHNOLOGY,SERVIC LEVELS,RISK
MANAGEMENT AND AUDIT &COMPLIANCE

5. RESERVE RATIO OF HDFC
• HDFC Bank is well prepared to meet reserve ratio
requirements post its merger with its parent and it
may not need regulatory forbearance on that count,
according to banking sector experts.
• Housing Development Finance Corporation (HDFC)
carried an average liquidity of Rs 46,000 crore
through the year ended March 2022. According to
some estimates, HDFC Bank currently holds
government securities worth 29% of its deposit base,
against the statutory liquidity ratio (SLR)
requirement of 18%.

6. KEY BUSINESS SEGMENTS OF HDFC
• WHOLESALE BANKING
SERVICES
• RETAIL BANKING SERVICES
• TREASURY

7. PRODUCTS AND SERVICES
1. ACCOUNTS AND DEPOSIT SERVICES
2. LOAN SERVICES
3. CARD SERVICES
4. INVESTMENTS AND INSURANCE SERVICES
5. BONDS
6. FOREX AND TRADE SERVICES
7. PAYMENT SERVICES
8. IMPERIA/PREFERRED/CLASSIC BANKING

8. 1. ACCOUNT AND DEPOSIT
SERVICES
1. SAVINGS ACCOUNTS (3.00%-3.50%)
2. CURRENT ACCOUNTS
3. FIX DEPOSITS ACCOUNT (4.50%-7.00%)
4. DEMATE ACCOUNT
5. SAFE DEPOSITS LOCKERS

9. 2. LOAN SERVICES
1. PERSONAL LOAN (10.50%-21.50%)
2. HOME LOAN (8.65%-9.15%)
3. VEHICLE LOAN (7.95%-8.30%)
4. EXPRESS LOAN PLUS (8.75%)
5. GOLD LOAN (18.00% p.a.)
6. EDUCATIONAL LOAN (14.10%)
7. LOAN AGAINST SECURITY (RR=6.25%)
8. LOAN AGAINST PROPERTY (9.35%-12.25%)

10. 3. CARD SERVICES
1.CREDIT CARDS
2.DEBIT CARDS
3.PREPAID CARD ( FOREX PLUS CARDS,GIFT PLUS
CARDS, FOOD PLUS CARDS ,ETC.)

11. 4. INVESTMENTS AND INSURANCE
SERVICES
1.MUTUAL FUNDS
2.INSURANCE
3.GENERAL & HEALTH INSURANCE
(COMPLETE PROTECTION FOR
BUSINESS,HEALTH,TRAVEL & MORE)

13. 5. BONDS
1.FINANCIAL PLANNING
2.KNOWLEDGE CENTRE
3.EQUITIES & DERIVATIVES
4.MUDRA GOLD BAR

14. 6. FOREX AND TRADE
SERVICES
THE FOLLOWING ARE DIFFERENT METHODS OF TRANSACTING
IN FOREIGN EXCHANGE AND REMITTING MONEY :
a. TRAVELLERS CHEQUE
b. FOREIGN CURRENCY CASH
c. FOREIGN CURRENCY DRAFTS
d. CHEQUE DEPOSITS
e. REMITTANCES
f. CASH TO MASTER
g. TRADE SERVICES
h. FOREX SERVICES BRANCH LOCATORS

15. 7. PAYMENT SERVICES
1. VERIFIED BY VISA
2. NET SAFE
3. MERCHANT SERVICES
4. BILL PAY
5. VISA BILL PAY
6. PAY NOW
7. INSTA PAY
8. DIRECT PAY
9. VISA MONEY TRANSFER
10. E-MONIES NATIONAL ELECTRONIC FUNDS TRANSFER
11. ONLINE PAYMENT OF EXCISE & SERVICE TAX

16. IMPERIA/PREFERRED/CLASSIC
BANKING
1.NRI BANKING
2.WHOLESALE BANKING

17. THANKING
YOU