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COMAPARTIVE STUDY OF AXIS 
BANK LIMITED WITH HDFC BANK 
By – Samir Shah 
Akansha Sah
Index 
• Introduction 
• Objectives of the study 
• Research methodology 
• Limitations of the study 
Profile of the organization 
 Axis bank 
 HDFC BANK 
• Analysis and Interpretation 
• Financial Performance 
• Recommendation 
• Conclusion 
• References
Intro 
• Banking is the backbone of a modern economy. Health of banking industry 
is one of the most important pre-conditions for sustained economic 
progress of any country. The world of banking has assumed a new 
dimension at the dawn of the 21st century with the advent of tech banking, 
thereby lending the industry a stamp of universality. Retail banking, which 
is designed to meet the requirements of individual customers and encourage 
their savings, includes payment of utility bills, consumer loans, credit 
cards, checking account balances, ATMs, transferring funds between 
accounts and the like. Corporate banking, on the other hand, caters to the 
needs of corporate customers like bills discounting, opening letters of credit 
and managing cash.
Objective of study 
• To gain the knowledge of products and services of Axis Bank Ltd. and to 
compare it vis-vis HDFC BANK. 
• To identify the perception of consumer about their banks with comparison 
to HDFC BANK. 
• Recommendations to increase customer satisfaction level. 
• Because of the following reasons, I prefer this research work hepls to get 
the knowledge of the banking system. 
• Banking is an essential industry. 
• It is where we often wind up when we are seeking a problem in financial 
crisis and money related query. 
• Banking is one of the most regulated businesses in the world. 
• Banks remain important source for career opportunities for people. 
• It is vital system for developing economy for the nation
RESEARCH METHODOLOGY 
• Follow Questionnaire method 
• Primary Data- The two methods by which primary data can be collected is 
observation and communication. Those data collected first hand, either by 
the researcher or by someone else, especially for the purpose of the study 
is known as primary data. 
• Secondary Data: 
• LIMITATIONS 
• Some of the limitations of the project are listed as below: 
• Due to the financial and time constraints a cluster analysis of the 
population so as to get better results was not feasible. 
• It was difficult to break the ice with the common people initially. It 
was a daunting task to convince them to fill in the personal details of 
the questionnaire where they have to mention the monthly income, 
occupation etc. 
• To convince the people for a proper interviewing process is also 
difficult. 
• Figures keep on changing from time to time. 
• Data may be outdated.
Axis Bank 
• Type - Public 
• Traded as BSE: 532215 
LSE: AXBC 
NSE: AXISBANK 
• Industry Banking, Financial services 
• Founded 1994 
• Headquarters Mumbai, India 
• Key people Adarsh Kishore, Chairman 
Shikha Sharma MD & CEO 
• Products Credit cards, consumer banking, corporate 
banking, finance and insurance, Investment banking, mortgage 
loans, private banking, private equity, wealth management 
• Revenue 198.26 billion (US$4.02 billion)(2013) 
• Net income 33.88 billion (US$687.09 million)(2013) 
• AUM US$ 40.121 billion (2010) 
• Employees 21,640 (2010) 
Website www.axisbank.com 
• (source – www.axisbank.com)
Cont’d… 
• AXIS BANK 
• Axis Bank India, the first bank to begin operations as new private 
banks in 1994 after the Government of India allowed new private 
banks to be established. Axis Bank was jointly promoted by the 
Administrator of the specified undertaking of the 
• Unit Trust of India (UTI-I) 
• Life Insurance Corporation of India (LIC) 
• General Insurance Corporation Ltd. 
• Also with associates viz. National Insurance Company Ltd., the 
New India Assurance Company, The Oriental Insurance Corporation 
and United Insurance Company Ltd. 
• Axis Bank is the third largest private sector bank in India. Axis Bank 
offers the entire spectrum of financial services to customer segments 
covering Large and Mid Corporates, SME, Agriculture and Retail 
Businesses.
Products and Services on offered by AXIS Bank 
• Accounts: Easy Access Accounts 
Prime Savings Account 
Salary Account 
Women’s Saving Account 
Senior Privilege Account 
Defense Salary Account 
Trust & NGO Savings Account 
Azzadi –No frills 
RFC (D) Account 
Pension savings Account. 
• Deposits: 
Fixed Deposits 
Recurring deposits 
Encash 24 
Tax Saver Fixed Deposits 
• Loans: 
Home loan 
Personal loan 
Loan Against Property 
Loan Against Security
Cont’d… 
• Car Loans 
• Study Loans 
• Two Wheeler Loan 
• Consumer Loan 
• Investments: 
Online Trading 
Mutual Funds 
Fixed Income 
Depository Services 
E Depository Services 
• Insurance: 
Health Insurance 
Family Health 
Health Guard 
Hospital Cash
HDFC BANK 
• HDFC Bank 
• One amongst the firsts of the new generation, tech-savvy commercial banks of 
India. It is also one of the constituents of Nifty. It was incorporated in 30th August 
1994, after the Reserve Bank of India allowed setting up of Banks in the private 
sector. The Bank was promoted by the Housing Development Finance Corporation 
Limited(HDFC), a premier housing finance company. 
• . - The Bank transacts both traditional commercial banking as well as 
INVESTMENT banking. 
• BUSINESS SUMMARY 
• HDFC Bank Limited offers a range of commercial and transactional banking 
services, and treasury products to wholesale and retail customers. It operates in 
three segments: 
 Retail Banking, 
 Wholesale Banking, 
 Treasury Services.
ANALYSIS AND INTERPRETATION 
OF DATA 
• Some ratios that are relevant for evaluating banks include 
• Credit to deposit ratio 
• Capital adequacy ratio 
• Non-performing asset ratio 
• Provision coverage ratio 
• Return on assets ratio 
• We thought it would be an interesting idea to look and compare these 
numbers from these two banks and we will also see how the same ratios 
have changed over the past few years.
DATA INTERPRETATION 
• Credit to deposit ratio: This ratio indicates how much of the advances lent by 
banks is done through deposits. It is the proportion of loan-assets created by banks 
from the deposits received.
CONT’D…. 
• Capital adequacy ratio:A bank's capital ratio is the ratio of qualifying capital to 
risk adjusted (or weighted) assets. The RBI has set the minimum capital adequacy 
ratio at 9% for all banks.
CONT’D….. 
• Non-performing asset ratio: The net NPA to loans (advances) ratio is used as a 
measure of the overall quality of the bank’s loan book. An NPA are those assets for 
which interest is overdue for more than 90 days (or 3 months).
Cont’d…. 
• Provision coverage ratio: The key relationship in analyzing asset quality of the 
bank is between the cumulative provision balances of the bank as on a particular 
date to gross NPAs. It is a measure that indicates the extent to which the bank has 
provided against the troubled part of its loan portfolio.
Cont’d….. 
• Return on assets ratio: Returns on asset (ROA) ratio is the net income (profits) 
generated by the bank on its total assets (including fixed assets). The higher the 
proportion of average earnings assets, the better would be the resulting returns on 
total assets.
Competitive position 
• Competitive Position
RECOMMENDATION 
• AXIS BANK Bank and HDFC bank has to improve its brand 
image, i.e. it has to position itself in the minds of prospects in 
a better way in comparisons to others. 
• It should provide better career opportunities for the retention 
of its potential advisors. 
• Further it has to provide training to its recruited advisors by 
good and efficient training methods, which might be a little bit 
customized if needed. 
• It should more emphasize in advertising, as it is the most 
powerful tool to positioning brand in the mindsets of 
customers. 
• It should provide online training and for those who are in jobs 
and want to become advisors AXIS BANK should provide 
evening training classes, so that they can join the training after 
doing there jobs.
conclusion 
• Axis Bank is one of the few clean (in terms of asset book), rapidly growing, 
profitable, & competitive private-sector banks in India; thus it will be a major 
beneficiary of the favorable banking environment. The Indian banking sector is in a 
sweet spot: consumer and corporate lending is strong, asset quality is improving 
and fee-income opportunities are growing. We expect this favorable environment 
to continue in the medium term but recognize that a key challenge for banks will 
be funding growth. Looking at its profile, I believe Axis Bank stands to gain 
disproportionately from existing opportunities in the sector. The bank has strong 
technology & products, an expanding distribution franchise, adequate scale, a 
strong service culture, and management enterprise -features that should help it 
stay ahead of the dominant government banks to win market share.
References 
• www.google.co.in 
• www.axisbank.com 
• www.slidworld.com 
• Journal: 
Business & Economics (September/October) 
• BOOKS: 
• Kothari, C.R, Research Methodology, New delhi, Vikas 
Publishing House PVT LTD. 2010 
• AXIS BANK and HDFC brochure of advisors Recruitment.
Questionnaire 
 If given an option, which bank will you prefer to deal with as a customer? 
Axis Bank b) HDFC Bank c)SBI d) Other______ 
 In terms of saving bank account opening, which bank would you prefer? 
Axis Bank b) HDFC Bank c)SBI d) Other______ 
 What are the services you use of a bank, in saving account? 
a) ATM/Debit Card b) Internet Banking c) Cheque book at Par 
d) Mobile Banking f) Relationship Manager 
 Which bank as per your experience provides the best customer service 
when you personally visit the Bank? 
a) Axis Bank b) HDFC Bank c) SBI d) Other______ 
 What average balance account services you usually avail from your 
existing bank? 
a) < = Rs. 1000 b) = > Rs. 5000 c) = > Rs.10000 
d) = > Rs. 25000 e) = > Rs. 100000 
 Are all the Bank informed to you at the time of Saving Bank Account 
opening. 
a) Yes b) No 
 If you have to do an investment, which Bank would you consult for 
Portfolio Management? 
Axis Bank b) HDFC Bank c)SBI d) Other______
Management of financial services1

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Management of financial services1

  • 1. COMAPARTIVE STUDY OF AXIS BANK LIMITED WITH HDFC BANK By – Samir Shah Akansha Sah
  • 2. Index • Introduction • Objectives of the study • Research methodology • Limitations of the study Profile of the organization  Axis bank  HDFC BANK • Analysis and Interpretation • Financial Performance • Recommendation • Conclusion • References
  • 3. Intro • Banking is the backbone of a modern economy. Health of banking industry is one of the most important pre-conditions for sustained economic progress of any country. The world of banking has assumed a new dimension at the dawn of the 21st century with the advent of tech banking, thereby lending the industry a stamp of universality. Retail banking, which is designed to meet the requirements of individual customers and encourage their savings, includes payment of utility bills, consumer loans, credit cards, checking account balances, ATMs, transferring funds between accounts and the like. Corporate banking, on the other hand, caters to the needs of corporate customers like bills discounting, opening letters of credit and managing cash.
  • 4. Objective of study • To gain the knowledge of products and services of Axis Bank Ltd. and to compare it vis-vis HDFC BANK. • To identify the perception of consumer about their banks with comparison to HDFC BANK. • Recommendations to increase customer satisfaction level. • Because of the following reasons, I prefer this research work hepls to get the knowledge of the banking system. • Banking is an essential industry. • It is where we often wind up when we are seeking a problem in financial crisis and money related query. • Banking is one of the most regulated businesses in the world. • Banks remain important source for career opportunities for people. • It is vital system for developing economy for the nation
  • 5. RESEARCH METHODOLOGY • Follow Questionnaire method • Primary Data- The two methods by which primary data can be collected is observation and communication. Those data collected first hand, either by the researcher or by someone else, especially for the purpose of the study is known as primary data. • Secondary Data: • LIMITATIONS • Some of the limitations of the project are listed as below: • Due to the financial and time constraints a cluster analysis of the population so as to get better results was not feasible. • It was difficult to break the ice with the common people initially. It was a daunting task to convince them to fill in the personal details of the questionnaire where they have to mention the monthly income, occupation etc. • To convince the people for a proper interviewing process is also difficult. • Figures keep on changing from time to time. • Data may be outdated.
  • 6. Axis Bank • Type - Public • Traded as BSE: 532215 LSE: AXBC NSE: AXISBANK • Industry Banking, Financial services • Founded 1994 • Headquarters Mumbai, India • Key people Adarsh Kishore, Chairman Shikha Sharma MD & CEO • Products Credit cards, consumer banking, corporate banking, finance and insurance, Investment banking, mortgage loans, private banking, private equity, wealth management • Revenue 198.26 billion (US$4.02 billion)(2013) • Net income 33.88 billion (US$687.09 million)(2013) • AUM US$ 40.121 billion (2010) • Employees 21,640 (2010) Website www.axisbank.com • (source – www.axisbank.com)
  • 7. Cont’d… • AXIS BANK • Axis Bank India, the first bank to begin operations as new private banks in 1994 after the Government of India allowed new private banks to be established. Axis Bank was jointly promoted by the Administrator of the specified undertaking of the • Unit Trust of India (UTI-I) • Life Insurance Corporation of India (LIC) • General Insurance Corporation Ltd. • Also with associates viz. National Insurance Company Ltd., the New India Assurance Company, The Oriental Insurance Corporation and United Insurance Company Ltd. • Axis Bank is the third largest private sector bank in India. Axis Bank offers the entire spectrum of financial services to customer segments covering Large and Mid Corporates, SME, Agriculture and Retail Businesses.
  • 8. Products and Services on offered by AXIS Bank • Accounts: Easy Access Accounts Prime Savings Account Salary Account Women’s Saving Account Senior Privilege Account Defense Salary Account Trust & NGO Savings Account Azzadi –No frills RFC (D) Account Pension savings Account. • Deposits: Fixed Deposits Recurring deposits Encash 24 Tax Saver Fixed Deposits • Loans: Home loan Personal loan Loan Against Property Loan Against Security
  • 9. Cont’d… • Car Loans • Study Loans • Two Wheeler Loan • Consumer Loan • Investments: Online Trading Mutual Funds Fixed Income Depository Services E Depository Services • Insurance: Health Insurance Family Health Health Guard Hospital Cash
  • 10. HDFC BANK • HDFC Bank • One amongst the firsts of the new generation, tech-savvy commercial banks of India. It is also one of the constituents of Nifty. It was incorporated in 30th August 1994, after the Reserve Bank of India allowed setting up of Banks in the private sector. The Bank was promoted by the Housing Development Finance Corporation Limited(HDFC), a premier housing finance company. • . - The Bank transacts both traditional commercial banking as well as INVESTMENT banking. • BUSINESS SUMMARY • HDFC Bank Limited offers a range of commercial and transactional banking services, and treasury products to wholesale and retail customers. It operates in three segments:  Retail Banking,  Wholesale Banking,  Treasury Services.
  • 11. ANALYSIS AND INTERPRETATION OF DATA • Some ratios that are relevant for evaluating banks include • Credit to deposit ratio • Capital adequacy ratio • Non-performing asset ratio • Provision coverage ratio • Return on assets ratio • We thought it would be an interesting idea to look and compare these numbers from these two banks and we will also see how the same ratios have changed over the past few years.
  • 12. DATA INTERPRETATION • Credit to deposit ratio: This ratio indicates how much of the advances lent by banks is done through deposits. It is the proportion of loan-assets created by banks from the deposits received.
  • 13. CONT’D…. • Capital adequacy ratio:A bank's capital ratio is the ratio of qualifying capital to risk adjusted (or weighted) assets. The RBI has set the minimum capital adequacy ratio at 9% for all banks.
  • 14. CONT’D….. • Non-performing asset ratio: The net NPA to loans (advances) ratio is used as a measure of the overall quality of the bank’s loan book. An NPA are those assets for which interest is overdue for more than 90 days (or 3 months).
  • 15. Cont’d…. • Provision coverage ratio: The key relationship in analyzing asset quality of the bank is between the cumulative provision balances of the bank as on a particular date to gross NPAs. It is a measure that indicates the extent to which the bank has provided against the troubled part of its loan portfolio.
  • 16. Cont’d….. • Return on assets ratio: Returns on asset (ROA) ratio is the net income (profits) generated by the bank on its total assets (including fixed assets). The higher the proportion of average earnings assets, the better would be the resulting returns on total assets.
  • 17. Competitive position • Competitive Position
  • 18. RECOMMENDATION • AXIS BANK Bank and HDFC bank has to improve its brand image, i.e. it has to position itself in the minds of prospects in a better way in comparisons to others. • It should provide better career opportunities for the retention of its potential advisors. • Further it has to provide training to its recruited advisors by good and efficient training methods, which might be a little bit customized if needed. • It should more emphasize in advertising, as it is the most powerful tool to positioning brand in the mindsets of customers. • It should provide online training and for those who are in jobs and want to become advisors AXIS BANK should provide evening training classes, so that they can join the training after doing there jobs.
  • 19. conclusion • Axis Bank is one of the few clean (in terms of asset book), rapidly growing, profitable, & competitive private-sector banks in India; thus it will be a major beneficiary of the favorable banking environment. The Indian banking sector is in a sweet spot: consumer and corporate lending is strong, asset quality is improving and fee-income opportunities are growing. We expect this favorable environment to continue in the medium term but recognize that a key challenge for banks will be funding growth. Looking at its profile, I believe Axis Bank stands to gain disproportionately from existing opportunities in the sector. The bank has strong technology & products, an expanding distribution franchise, adequate scale, a strong service culture, and management enterprise -features that should help it stay ahead of the dominant government banks to win market share.
  • 20. References • www.google.co.in • www.axisbank.com • www.slidworld.com • Journal: Business & Economics (September/October) • BOOKS: • Kothari, C.R, Research Methodology, New delhi, Vikas Publishing House PVT LTD. 2010 • AXIS BANK and HDFC brochure of advisors Recruitment.
  • 21. Questionnaire  If given an option, which bank will you prefer to deal with as a customer? Axis Bank b) HDFC Bank c)SBI d) Other______  In terms of saving bank account opening, which bank would you prefer? Axis Bank b) HDFC Bank c)SBI d) Other______  What are the services you use of a bank, in saving account? a) ATM/Debit Card b) Internet Banking c) Cheque book at Par d) Mobile Banking f) Relationship Manager  Which bank as per your experience provides the best customer service when you personally visit the Bank? a) Axis Bank b) HDFC Bank c) SBI d) Other______  What average balance account services you usually avail from your existing bank? a) < = Rs. 1000 b) = > Rs. 5000 c) = > Rs.10000 d) = > Rs. 25000 e) = > Rs. 100000  Are all the Bank informed to you at the time of Saving Bank Account opening. a) Yes b) No  If you have to do an investment, which Bank would you consult for Portfolio Management? Axis Bank b) HDFC Bank c)SBI d) Other______