COMAPARTIVE STUDY OF AXIS
BANK LIMITED WITH HDFC BANK
By – Samir Shah
• Objectives of the study
• Research methodology
• Limitations of the study
Profile of the organization
• Analysis and Interpretation
• Financial Performance
• 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
• 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:
• 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,
• To convince the people for a proper interviewing process is also
• Figures keep on changing from time to time.
• Data may be outdated.
• Type - Public
• Traded as BSE: 532215
• 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)
• (source – www.axisbank.com)
• 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
Products and Services on offered by AXIS Bank
• Accounts: Easy Access Accounts
Prime Savings Account
Women’s Saving Account
Senior Privilege Account
Defense Salary Account
Trust & NGO Savings Account
Azzadi –No frills
RFC (D) Account
Pension savings Account.
Tax Saver Fixed Deposits
Loan Against Property
Loan Against Security
• Car Loans
• Study Loans
• Two Wheeler Loan
• Consumer Loan
E Depository Services
• 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
• 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
ANALYSIS AND INTERPRETATION
• 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.
• 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.
• 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.
• 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).
• 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.
• 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
• 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
• 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.
• 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.
Business & Economics (September/October)
• Kothari, C.R, Research Methodology, New delhi, Vikas
Publishing House PVT LTD. 2010
• AXIS BANK and HDFC brochure of advisors Recruitment.
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
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
a) Yes b) No
If you have to do an investment, which Bank would you consult for
Axis Bank b) HDFC Bank c)SBI d) Other______