1. Customer Relationship Management in
Financial Services

2. T.Y.B.F.M.
6th
PROF.Eralee shah
2012-13

4. Name Roll No.
Priyank Darji 07
Hardik Nathwani 25
Shashank Pai 26
Sagar Panchal 27
Dharmik Patel 30
Kush Shah 38
Siddarth Tawde 45

5. INTRODUCTION OF BOI
 Bank of India was founded on 7th September, 1906 by a group of eminent
businessmen from Mumbai.
 Bank was under private ownership and control till July 1969 when it was
nationalised along with 13 other banks.
 The Bank has 4038 branches in India spread over all states/ union
territories including specialized branches. These branches are controlled
through 50 Zonal Offices. There are 29 branches/ offices (including five
representative offices) and 3 Subsidaries and 1 joint venture abroad.
 Bank of India was the first Indian Bank to open a branch outside the
country, at London, in 1946, and also the first to open a branch in Europe,
Paris in 1974. The Bank has sizable presence abroad, with a network of 29
branches (including five representative office) at key banking and financial
centres viz. London, Newyork, Paris, Tokyo, Hong-Kong and Singapore

6. INTRODUCTION OF HDFC BANK
 HDFC Bank Limited (Housing Development Finance Corporation) is a major
bank in India. It was incorporated in 1994 and is a publicly held banking
company.
 Its shares are listed on the Bombay Stock Exchange Limited and on the
National Stock Exchange of India Limited. It also has American Depository
Shares listed on the NYSE and GDRs listed on the Luxembourg Stock
Exchange.
 It provides banking services and products to are variety of customers
including consumer banking, NRI banking, private banking, SME banking
and corporate banking.
 HDFC Bank keeps the credit of the first bank in India to launch an
International Debit Card in association with VISA (Visa Electron). As a fast
growing bank it has a network of 2,776 Branches and 10,490 ATM's in 1568
Indian towns and cities.

7. DEPOSIT
DEPOSIT BOI HDFC
Minimum Interest rate Minimum Interest rate
deposit deposit
Saving account 1000/- 4% 10000/- 4%
Current account 5000/- nil 10000/- nil
Recurring deposit 500 p.m 9% 500 p.m 1 year
No Interest For regular
will be paid if account 8%
payment is and for
taken within senior citizen
three 8.5%
months

8. FIXED DEPOSIT
Period BOI HDFC
( up to 15lac) (up to 15lac)
Interest rate(% p.a.) Interest rate(% p.a.)
General Senior citizen General Senior citizen
1 year to 2 years 9.00 9.50 8.75 9.25
2 year to 3 years 9.00 9.50 8.75 9.25
3 year to 5 years 9.00 9.50 8.75 9.25
5 year to 8 years 9.00 9.70 8.25 8.75
8 year to 10 year 8.75 9.80 8.25 8.75

9. LOANS
BOI HOME LOAN HDFC HOME LOAN
Rates Fixed Interest Rate Flexible Interest
Rate
Upto and including 12.25% 10.75%
Rs 30 lacs
Rs.30.01 lacs to 12.50% 11.00%
Rs.75 lacs
Rs.75.01 lacs and 13.00% 11.50%
above

10. BOI PERSONAL LOAN
HDFC PERSONAL LOAN
Loan Amount Upto Rs 15,00,000/- depending on your income and
repayment capacity.
Interest Rate Salaried/Self Employed - 15.75% to 22.25%
Tenure 12 to 60 months.
Pre Payment Charges Upto 4% of the Principal Outstanding.
Service Charges Loan Processing Charges are upto 2%

11. BOI EDUCATION LOAN
HDFC EDUCATION LOAN
Loan Amount Loans upto Rs.15 Lakhs for Education in India and upto
Rs.20 Lakhs for Education abroad
Interest Rate 14% p.a
Tenure Repayment to start 1 year after course completion / 6
months after obtaining employment (whichever is earlier).
Loan available upto tenure of 7 years including moratorium
period
Pre Payment Charges Upto 4% of the Principal Outstanding after 6 months of
repayment
Service Charges Processing Fee: Upto a maximum 2% of the loan amount

12. MUTUAL FUND
Mutual Fund BOI AXA HDFC
Mutual Fund Mutual Fund
Setup Date Mar-31-2008 Jun-30-2000
Incorporation Date Aug-13-2007 Dec-10-1999
Sponsor Bank of India and AXA Investment Housing Development Finance
Managers Corporation Limited, Standard Life
Investments Limited
Trustee BOI AXA Trustee Services Private HDFC Trustee Company Limited
Limited
Chairman N.A Mr. Deepak Parekh
CEO / MD Mr Sandeep Dasgupta Mr. Milind Barve
CIO Mr. Alok Singh Mr. Prashant Jain
Compliance Officer Mr. Rajesh Chawathe Mr. Yezdi Khariwala
Investor Service Officer Mr. Shubro Sankha Das Sharma Mr. John Mathews
Assets Managed Rs. 661.14 crore (Dec-31-2012) Rs. 101392.54 crore (Dec-31-2012)

13. SCHEME DETAILS
BOI AXA EQUITY FUND HDFC TOP 200 FUND
Fund Type Open-Ended Open-Ended
Investment Plan Growth Growth
Launch date Aug 19, 1996 Oct 01,2008
Benchmark BSE-200 S&P CNX NIFTY
Asset Size (Rs cr) 12,122.20 (Dec-31-2012) 0.43(Nov 30- 2008)
Minimum Investment Rs.5000 Rs.5000
Fund Manager Prashant Jain / Miten Lathia GAURAV KAPUR
Entry Load N.A N.A
Exit Load 1.00% 1.00%

14. INSURANCE
BOI HDFC
1. Star Flier Scheme 1. Children’s Plan
2. Other Products offered at
specially reduced rates to BOI 2. Term Plan
Customers
 Domestic Travel Insurance 3. Saving & Investment Plan
 Health Insurance Scheme
3. Insurance cover offered along 4. Other Insurance
with other Loans/Products  Health Insurance
 Home Loan Assurance Scheme  Motor Insurance
(Optional )
 Educational Loan Insurance  Travel Insurance
Scheme (Optional)  Home Insurance

15. OTHER SERVICE
BOI HDFC BANK
 ATM ATM
 Depository service Demat service
 Tax Payment Tax payment
 Safe Deposit Vault Debit card
Credit card
 Gold Coin
Prepaid card
 ASBA Internet banking
 Mobile banking Mobile banking
 Online trading NEFT/RTGS
 Book ticket E-net
Doorstep banking
 Debit card
ECS Debit & credit
 Credit card
 Internet banking

16. MERCHANT BANKING SERVICE
BOI HDFC
• They do not provide • Project appraisal, structured
merchant banking service finance, loan syndication
and debt capital markets
• Equity Placement
• M&A and Corporate
Advisory Services
• Capital Market Advisory
Services