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1. [1]
CHAPTER - 1
INTRODUCTION
India has emerged the third most attractive market destination for
apparel retailers, according to a new study by global management
consulting firm AT Kearney.
India comes after Brazil and China in the AT Kearney Retail
Apparel Index, which looks at ten drivers, including apparel
consumption and clothing imports/exports, to rank the top 30
emerging markets for retail apparel investments.
"In India, apparel is the second largest retail category, representing
10 percent of the $37 billion retail market. It is expected to grow
12-15 percent per year," said Hemant Kalbag, principal of
Consumer Industries & Retail Practice, AT Kearney India.
"The top seven apparel companies account for less than 10
percent of the total apparel retail market in India and Indian
consumers tend to be more loyal to a specific retailer than to an
apparel brand. The result is a thriving private label apparel
market," the study said.
"Like many developed countries, apparel retail in India is driven by
sales promotion," it added.

2. [2]
"The Retail Apparel Index was published for the first time this year as a companion to
A.T. Kearney's Global Retail Development Index (GRDI), a study of retail investment
attractiveness among 30 emerging markets conducted annually since 2001," said
Saurine M. Doshi, a partner of A.T. Kearney India.
"The analysis evaluates more than 20 apparel markets to identify the top 10 countries
in terms of market size, growth prospects and consumer affluence" Doshi added.
Turkey, Chile, Romania, Argentina, Thailand, Russia and the United Arab Emirates
are the other countries in the top-10 list.

3. [3]
1.2 Objective of the study
The main objective of this project is to get the details of apparel
industries from its root. And to study the nature of perception label and
attitude of the customers, to evaluate the details of the apparel retailing
and its attributes in order to gather knowledge of the whole industry.
Other objectives:-
 To know the banking brand prefer by the CUSTOMERS.
 To know the reason Why people prefers a particular brand.
 To understand how to increase the return of the company.
 To give the personnel satisfaction to the customers and also get
the references from them .
 To identify the implicit factors affecting this service sector .
 To evoke suggestion for better market standards .

4. [4]
INDUSTRY PROFILE
The textile industry will touch a volume of $115 billion by 2012 growing at the rate of
16 per cent annually.
While inaugurating the Woollen Expo at Godhra in Gujarat on 21st
Oct 2008, Union
Minister of Textiles Shankersinh Vaghela said that investment in the textiles sector
between 2004 and 2008 was Rs 1,04,506 crore and is expected to touch Rs 1,50,600
crore by 2012. This enhanced investment will generate 17.37 million jobs by 2012, an
official statement said.
The Minister said cotton was the mainstay of the country's textile industry. Its
production has reached a level of 31.15 million bales in the cotton season 2007-08
and the yield has reached over 550 kg per hectare.
India is the second largest producer, exporter and consumer of cotton. The
competitiveness of our cotton is also reflected in the share of cotton in fibre
consumption, which is 60 per cent of total fibre consumption. The share of cotton in
the textiles and clothing exports is more than 75 per cent, he added.
The Minister said that Indian textiles and clothing exports were USD 21.46 billion in
2007-08, registering a growth of 12.10 per cent in dollar terms. It is expected that in
2008-09 the textiles and clothing exports will be 20 per cent more than what were
achieved in 2007-08. The textiles and clothing exports have diversified into new
markets like GCC, Africa, Latin America, Russia and Oceania.
Vaghela said 40 parks are being set up under the Scheme for Integrated Textile Parks
(SITP) which will attract an investment of Rs. 21,502 crore, create employment both
direct and indirect for 9.08 lakh workers and produce goods worth Rs 38,115 crore
annually. Seven parks are being set up in Gujarat at Surat (5), Kutch (1) and Kheda
(1).
(a) Growth and present status of the banking industry
By the 1960s, the Indian banking industry has become an important tool to
facilitate the development of the Indian economy. At the same time, it has
emerged as a large employer, and a debate has ensued about the possibility
to nationalize the banking industry. Indira Gandhi, the-then Prime Minister of
India expressed the intention of the GOI in the annual conference of the All

5. [5]
India Congress Meeting in a paper entitled "Stray thoughts on Bank
Nationalisation." The paper was received with positive enthusiasm.
Thereafter, her move was swift and sudden, and the GOI issued an ordinance
and nationalised the 14 largest commercial banks with effect from the
midnight of July 19, 1969. Jayaprakash Narayan, a national leader of India,
described the step as a "masterstroke of political sagacity." Within two weeks
of the issue of the ordinance, the Parliament passed the Banking Companies
(Acquition and Transfer of Undertaking) Bill, and it received the presidential
approval on 9th August, 1969.
A second dose of nationalisation of 6 more commercial banks followed in
1980. The stated reason for the nationalisation was to give the government
more control of credit delivery. With the second dose of nationalisation, the
GOI controlled around 91% of the banking business of India.
After this, until the 1990s, the nationalised banks grew at a pace of around
4%, closer to the average growth rate of the Indian economy.
In the early 1990s the then Narsimha Rao government embarked on a policy
of liberalisation and gave licences to a small number of private banks, which
came to be known as New Generation tech-savvy banks, which included
banks such as Global Trust Bank (the first of such new generation banks to
be set up)which later amalgamated with Oriental Bank of Commerce,UTI
Bank(now re-named as Axis Bank), ICICI Bank and HDFC Bank. This move,
along with the rapid growth in the economy of India, kickstarted the banking
sector in India, which has seen rapid growth with strong contribution from all

6. [6]
the three sectors of banks, namely, government banks, private banks and
foreign banks.
The next stage for the Indian banking has been setup with the proposed
relaxation in the norms for Foreign Direct Investment, where all Foreign
Investors in banks may be given voting rights which could exceed the present
cap of 10%,at present it has gone up to 49% with some restrictions.
The new policy shook the Banking sector in India completely. Bankers, till this
time, were used to the 4-6-4 method (Borrow at 4%;Lend at 6%;Go home at
4) of functioning. The new wave ushered in a modern outlook and tech-savvy
methods of working for traditional banks.All this led to the retail boom in India.
People not just demanded more from their banks but also received more.
Bank of India is an autonomous body, with minimal pressure from the
government. The stated policy of the Bank on the Indian Rupee is to manage
volatility but without any fixed exchange rate-and this has mostly been true.
With the growth in the Indian economy expected to be strong for quite some
time-especially in its services sector-the demand for banking services,
especially retail banking, mortgages and investment services are expected to
be strong. One may also expect M&As, takeovers, and asset sales.
 Present Status of banking industry
Currently (2008), banking in India is generally fairly mature in terms of supply,
product range and reach-even though reach in rural India still remains a
challenge for the private sector and foreign banks. In terms of quality of
assets and capital adequacy, Indian banks are considered to have clean,

7. [7]
strong and transparent balance sheets relative to other banks in comparable
economies in its region. In March 2006, the Reserve Bank of India allowed
Warburg Pincus to increase its stake in Kotak Mahindra Bank (a private sector
bank) to 10%. This is the first time an investor has been allowed to hold more
than 5% in a private sector bank since the RBI announced norms in 2005 that
any stake exceeding 5% in the private sector banks would need to be vetted
by them.
Currently, India has 88 scheduled commercial banks (SCBs) - 28 public
sector banks (that is with the Government of India holding a stake), 29 private
banks (these do not have government stake; they may be publicly listed and
traded on stock exchanges) and 31 foreign banks. They have a combined
network of over 53,000 branches and 17,000 ATMs. According to a report by
ICRA Limited, a rating agency, the public sector banks hold over 75 percent of
total assets of the banking industry, with the private and foreign banks holding
18.2% and 6.5% respectively.
Banking in India
Central
bank Reserve Bank of India
Nationalized
banks
State Bank of India · Allahabad Bank · Andhra Bank · Bank of
Baroda · Bank of India · Bank of Maharashtra · Canara Bank ·
Central Bank of India · Corporation Bank · Dena Bank · Indian
Bank · Indian Overseas Bank · Oriental Bank of Commerce ·
Punjab & Sind Bank · Punjab National Bank · Syndicate Bank ·

8. [8]
Union Bank of India · United Bank of India · UCO Bank · Vijaya
Bank · IDBI Bank
Private
banks
Axis Bank · Bank of Rajasthan · Bharat Overseas Bank · Catholic
Syrian Bank · Centurion Bank of Punjab · City Union Bank ·
Development Credit Bank · Dhanalakshmi Bank · Federal Bank ·
Ganesh Bank of Kurundwad · HDFC Bank · ICICI Bank ·
IndusInd Bank · ING Vysya Bank · Jammu & Kashmir Bank ·
Karnataka Bank Limited · Karur Vysya Bank · Kotak Mahindra
Bank · Lakshmi Vilas Bank · Nainital Bank · Ratnakar Bank · SBI
Commercial and International Bank · South Indian Bank ·
Tamilnad Mercantile Bank · YES Bank
Foreign
banks Citibank · HSBC · Standard Chartered
Regional
banks South Malabar Gramin Bank
(c) Future of banking industry in india
Almost 80% of the business are still controlled by Public Sector
Banks (PSBs). PSBs are still dominating the commercial banking
system. Shares of the leading PSBs are already listed on the stock
exchanges.
The RBI has given licences to new private sector banks as part of
the liberalization process. The RBI has also been granting licences
to industrial houses. Many banks are successfully running in the
retail and consumer segments but are yet to deliver services to
industrial finance, retail trade, small business and agricultural
finance.
The PSBs will play an important role in the industry due to its
number of branches and foreign banks facing the constrait of

9. [9]
limited number of branches. Hence, in order to achieve an efficient
banking system, the onus is on the Government to encourage the
PSBs to be run on professional lines.
By the year 2009, the list of foreign banks in India is going to become more
quantitative as number of foreign banks are still waiting with baggage to start
business in India.

10. [10]
CHAPTER - 2
PROFILE
OF THE
ORGANIZATION

11. [11]
2.1 Origin of the HDFC BANK LIMITED
The Housing Development Finance Corporation Limited (HDFC) was amongst
the first to receive an 'in principle' approval from the Reserve Bank of India
(RBI) to set up a bank in the private sector, as part of the RBI's liberalization
of the Indian Banking Industry in 1994. The bank was incorporated in August
1994 in the name of 'HDFC Bank Limited‟, with its registered office in Mumbai,
India.
HDFC Bank commenced operations as a Scheduled Commercial Bank in
January 1995.HDFC Bank was incorporated in August 1994, and, currently
has a nationwide network of 761 Branches and 1977 ATM's in 327 Indian
towns and cities.
HDFC Bank began operations in 1995 with a simple mission: to be a "World-
class Indian Bank". We realized that only a single-minded focus on product
quality and service excellence would help us get there.
Today, we are proud to say that we are well on our way towards that goal. It is
extremely gratifying that our efforts towards providing customer convenience
have been appreciated both nationally and internationally.

12. [12]
2.2 Growth and development of the HDFC BANK LIMITED
HDFC Bank will merge itself with Centurion Bank of
Punjab (CboP) in order to expand its global
presence, especially in regions such as Canada,
Singapore and other destinations, reports mint.
The bank plans to raise USD 1 billion from overseas markets to fund this
global expansion. This fund-raising will be done through different instruments
under the medium-term notes programme. Meanwhile, the bank has already
applied for licences in Bahrain and Hong Kong.
The CBoP merger will create the country`s largest private sector financial
institution in terms of
branch network. HDFC
Bank`s board has already
decided their stock swap
ratio of 1:29 and the
combined entity`s network
would go up to 1,148
branches.
it has a network of over 684 branches spread over 316 cities across India.
The bank also has a network of about over 1,695 networked ATMs across
these cities.
FIG-1

13. [13]
Shares of the company gained Rs 27.6 , or 2.15% to settle at Rs 1313.9. The
total volume of shares traded was 48,911 at the BSE.
In a milestone transaction in the Indian banking industry, Times Bank Limited
(another new private sector bank promoted by Bennett, Coleman & Co./Times
Group) was merged with HDFC Bank Ltd., effective February 26, 2000.
As per the scheme of amalgamation approved by the shareholders of both
banks and the Reserve Bank of India, shareholders of Times Bank received 1
share of HDFC Bank for every 5.75 shares of Times Bank. The acquisition
added significant value to HDFC Bank in terms of increased branch network,
expanded geographic reach, enhanced customer base, skilled manpower and
the opportunity to cross-sell and leverage alternative delivery channels.

14. [14]
2.3 PRESEENT STATUS OF “ HDFC BANK LIMITED”
As of March 31, 2008, it had a network of 761 branches and 1,977 automated
teller machines in 327 cities in India. The company was founded in 1994 and
is based in Mumbai, India. The authorised capital of HDFC Bank is
Rs.450 crore (Rs.4.5 billion). The paid-up capital is Rs.311.9 crore
(Rs.3.1 billion). The HDFC Group holds 22.1% of the bank's equity and
about 19.4% of the equity is held by the ADS Depository (in respect of
the bank's American Depository Shares (ADS) Issue). Roughly 31.3% of
the equity is held by Foreign Institutional Investors (FIIs) and the bank
has about 190,000 shareholders. The shares are listed on the The
Stock Exchange, Mumbai and the National Stock Exchange. The bank's
American Depository Shares are listed on the New York Stock
Exchange (NYSE) under the symbol "HDB".
The Balance sheet of HDFC BANK LTD can gives us handful idea about the
present status of the organization.
Balance Sheet of HDFC BANK LTD
PERIOD ENDING 31-Mar-07 31-Mar-06 31-Mar-05
Annual Data | Quarterly Data All numbers in thousands
Assets
Current Assets
Cash And Cash
Equivalents
1,968,200 1,375,800 861,500
Short Term Investments 297,400 94,400 -
Net Receivables 365,300 357,800 112,600
Inventory - - -
Other Current Assets - - -
Total Current Assets - - -

15. [15]
Long Term Investments 19,512,200 15,349,700 10,792,200
Property Plant and
Equipment
241,200 195,900 162,400
Goodwill - - -
Intangible Assets - - -
Accumulated Amortization - - -
Other Assets 1,123,400 409,000 209,200
Deferred Long Term Asset
Charges
- - -
Total Assets 23,507,700 17,782,600 12,137,900
Liabilities
Current Liabilities
Accounts Payable 2,910,300 869,800 1,134,000
Short/Current Long Term
Debt
2,458,700 1,701,400 1,423,200
Other Current Liabilities 15,831,700 12,663,800 8,334,300
Total Current Liabilities - - -
Long Term Debt 779,600 382,800 115,300
Other Liabilities - 917,200 -
Deferred Long Term Liability
Charges
- - -
Minority Interest 7,500 5,000 -
Negative Goodwill - - -
Total Liabilities 21,987,800 16,540,000 11,006,800
Stockholders' Equity
Misc Stocks Options Warrants - - -
Redeemable Preferred Stock - - -
Preferred Stock - - -
Common Stock 74,100 70,400 71,000
Retained Earnings 828,800 411,100 295,100
Treasury Stock - - -
Capital Surplus 701,300 602,600 591,200
Other Stockholder Equity (84,300) 158,500 173,800
Total Stockholder Equity 1,519,900 1,242,600 1,131,100
Net Tangible Assets $1,519,900 $1,242,600 $1,131,100

16. [16]
2.4 FUTURE PLANES OF “ HDFC BANK LIMITED”
 HDFC joins hands with Qatar National Bank
HDFC Bank tied up with Qatar National Bank (QNB) to offer a range of
products and services to expatriate Indians in Qatar, reports DNA.
The new bank, QNB-HDFC Bank NRI Services, will allow its customers to use
their dual account to remit money from any QNB branch to any HDFC Bank
branch in India. The remittance will take 24 hours and cost USD 1.37.
Customers can also avail of a host of HDFC Bank products like online trading
in Indian stock markets and rupee mutual fund investments through QNB
outlets. Apart from this, the tie-up also offers benefits from QNB`s Qatar
Airways Co-branded Credit Card, with no fees for the first year and customers
will be eligible for QNB`s loan products at competitive prices.
HDFC Bank plans to introduce a mobile-bank-cum- ATM in Coimbatore
to benefit its microfinance clients. Through this medium, the bank will offer a
suite of banking products such as credit, savings, insurance and remittances.
at the customers doorstep. Each mobile bank is expected to cost the Bank
Rs.40 lakhs (USD 100,000) and Rs.1 lakh (USD 2,500) monthly.
The bank plans to extend this technology all over the country
depending on the success of its pilot in Coimbatore. HDFC Bank would soon
launch its mobile bank for the benefit of microfinance clients and also to reach
the unbanked and under-banked sections of the society, a senior bank
executive said

17. [17]
India's HDFC Bank Renews Contract with NCR to Manage 2,000 ATMs;
Places Order for 300 New ATMs
DAYTON, Ohio--(BUSINESS WIRE)--NCR Corporation (NYSE: NCR - News)
announced the renewal of its automated teller machine (ATM) Managed
Services contract with HDFC Bank, Ltd (NYSE: HDB - News), headquartered
in Mumbai, India. The new 42-month deal taps NCR to oversee more than
2,000 NCR and non-NCR ATMs for the bank and expands on a prior three-
year Managed Services contract. HDFC also has signed an additional order
for 300 new ATMs. This order is in line with HDFC Bank‟s expansion strategy
in India. The contract includes ATM monitoring through incident management,
cash management, first-line maintenance and second-line maintenance

18. [18]
.
2.5 FUCTIONAL DEPARTMENT OF “ HDFC BANK LMITED”
In order to gain professional efficiency it has emerged with different useful
functional departments in every branch of the organization as shown below:
FIG.2
HDFC BANK LTD
DIRECT SALES
TEAM
AREA SALES
HEAD
AREA SALES
MANAGER
SALES
MANAGER
TEAM LEADER
CONTRACT
SALES
EXECUTIVES
BRANCH
MANAGER
PERSONAL
BANKER
OPERATIONAL
DEPARTMENT
ACCOUNT
DEPARTMENT
TRALER

19. [19]
2.6 ORGANIZATION STRUCTURE AND ORGANIZAION CHART
HDFC Bank
FIG.-3
The Composition of the Board of Directors of the Bank is governed by the
Companies Act, 1956, the Banking Regulation Act, 1949 and the listing
requirements of the Indian Stock Exchanges where the securities issued by
the Bank are listed. The Board has a strength of 9 Directors as on March 31,
2007. All Directors other than Mr Aditya Puri are non-executive directors. The
Bank has four independent directors and five non-independent directors. The
Board consists of eminent persons with considerable professional expertise
and experience in banking, finance, agriculture, small scale industries and
other related fields. None of the Directors on the Board is a member of more
than 10 Committees and Chairman of more than 5 Committees across all the
JAGDISH COPOOR(CHAIRMAN/CHAIR PERSON)
KEKI MISTRY (DIRECTOR)
VINEET JAIN(DIRECTOR)
RENU KARNAT(DIRECTOR)
ARVIND PANDE(DIRECTOR)
ASHIM SAMANTA(DIRECTOR)
CM VASUDEV(DIRECTOR)
GAUTAM DIRAN(DIRECTOR)
PANDIT PALANDE(DIRECTOR)
ADITYA PURI (MANAGING DIRECTOR)
HARISH ENGINEER (EXECUTIVE
DIRECTOR)
PARESH SUKTHANKAR(EXECUTIVE
DIRECTOR()

20. [20]
companies in which he/she is a Director. All the Directors have made
necessary disclosures regarding Committee positions occupied by them in
other companies.
Mr. Jagdish Capoor, Mr. Aditya Puri, Mr. Keki Mistry, Mrs. Renu Karnad and
Mr. Vineet Jain are non-independent Directors on the Board.
Mr. Arvind Pande, Mr. Ashim Samanta, Mr. Gautam Divan and Mr. C. M.
Vasudev are independent directors on the Board.
Mr. Keki Mistry and Mrs. Renu Karnad represent HDFC Limited on the Board
of the Bank.
Mr. Vineet Jain is nominated by the Bennett, Coleman Group on the Board of
the Bank.
The Bank has not entered into any materially significant transactions during
the year, which could have a potential conflict of interest between the Bank
and its promoters, directors, management and/or their relatives, etc. other
than the transactions entered into in the normal course of business. The
Senior Management have made disclosures to the Board confirming that
there are no material, financial and/or commercial transactions between
them and the Bank which could have potential conflict of interest with the
Bank at large

21. [21]
2.7 PRODUCT AND SERVICE OF “HDFC BANK LIMITED”
HDFC Bank Limited provides various financial products and services. It
operates in three segments: Personal Banking, NRI Banking, and Wholesale
Banking. The Personal Banking segment provides savings, and current and
fixed deposit accounts. It also offers personal, home, two wheeler, new car,
used car, gold, education, healthcare, commercial vehicle, working capital,
construction equipment, and warehouse receipt loans. In addition, this
segment provides safe deposit lockers; credit, debit, and prepaid cards;
mutual funds, general and health insurance, bonds, and equities and
derivatives products; and forex and payment services. The NRI Banking
segment's deposit products include rupee savings accounts, rupee current
accounts, rupee fixed deposits, foreign currency deposits, and accounts for
returning Indians. Its loan products comprise home loans, loans against
securities, loans against deposits, and gold credit cards. The Wholesale
Banking segment offers funded services, which consist of working capital
finance, short term finance, bill discounting, and export credit; and non-funded
services, such as letters of credit, bank guarantees, and collection of
documents to corporations, and small and medium enterprises. It also various
services to banks, financial institutions, mutual funds, stock brokers,
insurance companies, commodity businesses, and trusts.

22. [22]
HDFC Product Range
HDFC Bank India provides the following range of products:
 Savings Account
 HDFC Bank Preferred
 Sweep-In Account
 Super Saver Account
 HDFC Bank Plus
 Demat Account
 HDFC Mutual Fund
 HDFC Standard Life Insurance
HDFC India innovative services
 HDFC Phone Banking
 HDFC ATM
 HDFC Inter-city/Inter-branch Banking
 HDFC Net Banking
 HDFC International Debit Card
 HDFC Mobile Banking
 HDFC Bill Pay
HDFC Bank Loans
 HDFC Personal Loan & Home loan
 HDFC New Car Loan and Used Car Loan
 HDFC Loan Against Shares
 HDFC Two Wheeler & Consumer Loan

23. [23]
2.8 MARKET PROFILE OF “HDFC BANK LIMITED”
The Bank earned total income of Rs.3,505.5 crores for the quarter ended
March 31, 2008, as against Rs.2,321.0 crores in the corresponding quarter
ended March 31, 2007, registering a growth of 51.0%. Net revenues (net
interest income plus other income) were Rs.2,191.4 crores for the quarter
ended March 31, 2008,an increase of 51.2% over Rs.1,448.9 crores for the
corresponding quarter of the previous year. Interest earned (net of loan
origination costs and amortization of premia on investments held in the Held
to Maturity (HTM) category) increased from Rs.1,926.5 crores in the quarter
ended March 31, 2007 to Rs.2,956.2 crores in the quarter ended March 31,
2008, up by 53.4%. Net interest income (interest earned less interest
BSE - All Groups TABLE-1 11 Jun 17:31
Company Name Last Price Change % Change Net Profit
(Rs. cr)
ICICI Bank 741.65 10.05 1.37 3,110.22
HDFC Bank 1,184.55 53.60 4.74 1,590.18
Axis Bank 703.70 22.50 3.30 1,071.03
Federal Bank 194.50 -0.65 -0.33 292.73
JK Bank 610.80 6.80 1.13 274.49
Karnataka Bank 185.15 -1.90 -1.02 241.74
Karur Vysya 353.35 3.35 0.96 160.01
Kotak Mahindra 637.70 9.25 1.47 141.37
Centurion Bank 41.40 0.00 0.00 121.38
Bk Of Rajasthan 89.60 2.05 2.34 110.57
South Ind Bk 122.60 1.85 1.53 104.12
Yes Bank 136.80 -3.65 -2.60 94.37
ING Vysya Bank 249.35 6.25 2.57 88.91
City Union Bank 26.40 0.40 1.54 71.81
IndusInd Bank 68.90 -0.20 -0.29 68.22

24. [24]
expended) for the quarter ended March 31, 2008 increased by 55.7% to
Rs.1,642.1 crores, driven by average asset growth of 50.3% and a corenet
interest margin of around 4.4%.Other income (non-interest revenue)
registered strong growth of 39.3% from Rs.394.4 crores for the quarter ended
March 31, 2007 to Rs.549.3 crores for the quarter ended March 31, 2008. The
main contributor to 'Other Income' for the quarter was fees and commissions
of Rs.490.4 crores, up 37.6% from Rs.356.3 crores in the corresponding
quarter ended March 31, 2007. The other two major components of other
income were foreign exchange/derivatives revenues of Rs.60.4crores and
profit/ (loss) on revaluation/sale.

25. [25]
Chapter 3
DISCUSSION ON
TRAINING

26. [26]
3.1 STUDENT‟S WORK PROFILE (ROLE AND RESPONSIBILITIES)
I joined HDFC BANK LIMITED. as a Contract Sales Executive. My basic
approach to get the professional idea about the process flow of the
organization and to gather idea about how does the industry operates
There, I was assigned to some roles and responsibilities such as:
 To help the customer to complete documentation and application
formalities.
 To verify the authenticity of the documents and identity of the
customer.
 To ensure strict adherence to Know Your Customer (KYC) norms in all
application sourced.
 To meet the customer personally for collecting the IP cheque and the
AOD .
 To ensure that the customer is met up with either at his place of work
or at his residence only.
 To ensure that all mandatory fields are entered properly.
 To maintain quality norms on depletion and for cheque bouncing
cases.
 To understand the customer‟s requirement .
 To explain to the customer the various benefits of the product being
distributed.

27. [27]
3.2 DESCRIPTION OF LIVE EXPERIENCE
Being a Contract Sales Executive everyday I used to generate new
customers for savings account department by personal reference or by cold
calling or by ATM calling and by phone .There I found, the appointment fixed
by the customer was not working some time ,because they are not present at
the place where the appointment was fixed, that time I feel very frustrated but
it was part and parcel of this job so I have to adapt there.
Every day , I use to join the office within 9.15 am . I have to sign the
attendance sheet ,get the appointment fixed by the customers to go through
the day .
Apart from this I got a handful experiences on followings
1. Consumer behavior.
2. Different type of selling technique .
3. Understand the process of selling .
4. How they persuade customer to buy product .
5. How to manage the sales force effectively.

28. [28]
3.3 STUDENT‟S CONTRIBUTION TO ORGANISATION
As a Contract Sales Executive (savings account department) , My
contribution to the organization was to carry on generating Customer for
an opening of saving accounts in order to run the process flow of the
organization smoothly . Moreover I was assigned to generate a business
of Rs 25,000 . It would be a great feelings to achieved that one but I
was able to generate a business of Rs 15,000 in the 1st
and 2nd
consecutive months.
Beside building good relationship with my Team leader I also maintained
a good image with all other staffs that also mean to me a much.

29. [29]
CHAPTER 4
STUDY OF THE
RESEArCH PROBLEM

30. [30]
4.1 STATEMENT OF RESEARCH PROBLEM
HDFC BANK LTD. is a structured and developing organization in the field
of Banking and Financial sector .Though It is providing good service to
both the customer in order to rise their attention level into this industry
it needs to get more efficiency in it‟s operation flow .what I have felt
while working within the organization is that the customer organizations
are very much specific to their needed criteria which is being very hard
to match with the bank profiles .Therefore , I carried out the research to
get proper findings on the problem that :
Why the customer requirement are not being matched properly with the
required criteria ?
4.2 STATEMENT OF RESEARCH OBJECTIVES
The aim of this research is to find out proper logical solution through
proper analysis of data and information scientifically to over come
above mentioned problems so that the organization can run their
business efficient and competitively in the long run.
Here we have to determine the causes related to the problem. We
have to measure the frequency of the causes in order to minimize the

31. [31]
rate of factors affecting the problems regarding organizational growth
and smooth flow of its operations .
4.3 RESEARCH DESIGN AND METHODOLOGY
Research Design
Here in order to carry out the research I have arranged conditions for
collections and analysis of data in a manner that aims to combine
relevance to the research purpose with economy in procedure. The
research design is being conceptually structured within which research
has been conducted ; It constitutes the blueprint for the collection,
measurement and analysis of data.
The designing decisions are made in respect of
a. Research study is carried out within Kolkata and the zones
across the city.
b. Technical data (qualitative and quantitative data) is used.
c. The study includes 2 and ½ months of time.
d. Systematic and snowball sampling designs are made.
e. By scaling technique ( likert scaling technique ) data is analysed.
f. To study about the growth banking market
g. To find out the attributes that can enhance economy of company

32. [32]
Research methodology
Research methodology is a way systematically solve the research
problem. It may be understood as a science of studying how research
is done scientifically.
The section includes the overall research design, the sampling
procedure, the data collection method, the field method and analysis
and procedure.
Research design : For this research project exploratory method is used ,
Data collection method : Data collected for the research can be classified
as primary data and secondary data.
Primary data : Primary data is by visiting existing clients and business
developers and also the customers being served and yet to serve,making
them to fill up questionnaires.
Secondary data : Secondary data is from Internet, books, available codes
and rules .
Research Instrument
This instrument is used for data collection is structured questionnaire.
Questions are open and closed ended depending upon the information
that needed to be elicited. I am also using the scaling technique to
assess the attitude of the customer through participative and non
participative observations, scheduled interview,etc.

33. [33]
Sampling plan : Keeping all the constrains in mind a sample size of 25
Clients. The sampling procedure is systematic and snowball sampling.
4.4 ANALYSIS OF DATA
The data, after collection, has been processed and analyzed in
accordance with the outline laid down for the purpose at the time of
developing the research plan. This is essential for a scientific study and
for ensuring that we have all relevant data for making contemplated
comparison and analysis. Technically speaking, processing implies
editing, coding, classification and tabulation of collected data so that
they are amenable to analysis.
I have surveyed within 25 Clients in order to know their view and
opinion regarding their interests in different product we have.I made a
questionnaire and converse with them and encourage them to fill up
the questions. Some of the questions with their‟ opinions are shown
as follows

34. [34]
CLIENT BASED –
 HOW DO YOU RANK THE SERVICE OF HDFC BANK LTD ?
FIG.-4
 HOW WOULD YOU RANK THE COMPANY IN COMPARISON TO OTHERS
?
FIG.-5
0
2
4
6
8
10
VERY GOOD
GOOD
AVERAGE
POOR
0
10
20
ICICI BANK
HDFC BANK
AXIS BANK
FEDERAL
BANK
PREFERENCE OF CUSTOMERS
PREFERENCE OF CUSTOMERS

35. [35]
 IS THE OVERALL SERVICE OF THE COMPANY GOOD?
FIG.-6
LIKERT SCALE
CUSTOMER BASED
 WHOM DO YOU WANT TO SERVE FOR YOU?
FIG.-7
0
2
4
6
8
10
12
14
16
Strongly
agreed
agree
undecided
disagree
strongly
disagree
0
5
10
15
20
25
SBI
ICICI
AXIS
HDFC

36. [36]
4.5 Summary of Findings
From the above chart we can see that averagely 50 % of the Customer
has given a favourable response, 40 % of them having a neutral
attitude towards the statement asked, 10 % of them has shown a least
favourable response.
From the above analysis we can say that the overall performance of
rendering service in terms quality, time, market position and customer
satisfaction is average.
What I observed while working over there in HDFC BANK LTD, the
service profile provided by the company is AVERAGE. So some
changes in their OPERATIONS has to be done in order to increase
more CUSTOMER involvement and for their growth and development in
future prospect .

37. [37]
CHAPTER - 5
SUMMARY
AND CONCLUTION

38. [38]
5.1 SUMMARY AND CONCLUSIONS
 SUMMARY OF LEARNING EXPERIENCE
In recent times , the banking industry in India is in growing phase. With
years, banks are also adding services to their customers. The Indian banking
industry is passing through a phase of customers market. The customers
have more choices in choosing their banks. A competition has been
established within the banks operating in India.
With stiff competition and advancement of technology, the services
provided by banks has become more easy and convenient. The past days are
witness to an hour wait before withdrawing cash from accounts or a cheque
from north of the country being cleared in one month in the south.
This section of banking deals with the latest discovery in the
banking instruments along with the polished version of their old systems.
Our firms have responded to the increased demands placed on the
organizations with great élan in terms of striving to provide a holistic
solution to their customer.
Being a part of the banking industry as a contract sales executive, I got
practical knowledge how do the industry use to act . what are the
functions that they use to do , how they mange all their operations .
And from personal point of view I learned how to match customer
requirement with their needs. I groomed in the field of dealing with the
customer , voice modulation , pursuing the corporate culture , need to
response in time .I got experienced on gathering knowledge on how to

39. [39]
interact with people ,how to tactfully handle the customers and convinced
them to buy our product . working culture , etc .
HDFC BANK LTD. is a pure service industry seek to serve the
customers best and pure banking solution as their needs by providing range
of useful banking products in order to give rise to the core competencies
there of.This organization is specialized in middle level and top level
customers . They used to maintain the customers needs and their
satisfaction.
HDFC Bank's mission is to be a World-Class Indian Bank. The objective is to
build sound customer franchises across distinct businesses so as to be the
preferred provider of banking services for target retail and wholesale customer
segments, and to achieve healthy growth in profitability, consistent with the
bank's risk appetite. The bank is committed to maintain the highest level of
ethical standards, professional integrity, corporate governance and regulatory
compliance. HDFC Bank's business philosophy is based on four core values -
Operational Excellence, Customer Focus, Product Leadership and People.
5.2 CONCLUSION AND RECOMMENDATIONS
The Indian banking industry currently appears to be at a crossroad ,
where the industry are attempting to change customer‟s perceptions of
their service providers where specific service getting motivation appear
to be replacing generalities.
The mindset of the Indian customer‟s is such that they are delighted if
they buy service cheaper than there preferred service provider . Things

40. [40]
are , however , slowly changing and the customer‟s at the upper end of
the market are now ready to pay more for more . I hope that this
approach will soon enter the new era , may be not with the same
intensity .
“ success will largely be determined to the extent a company can
differentiate itself in terms of intangibles that go with the service “ . Thus
, success could well hinge on the best of bundle of service that HDFC
BANK LTD. provides .
Key attribute components:-
Time value and matching the criteria of the requirements of CUSTOMERS
Physical attributes.
Brand image
Service diversification
These components should be dealt with great care and independently .
The basic needs of the customer‟s need to be addressed which is
actually saving time and better quality .
Although being a growing and developing bank it would be better to run
in this rapidly changing and evolving market with value product model
of business process .
The advertisement should speak only of the believable concepts rather
than glorifying the pretentious ones . This would help to gain concrete
image of their own in this market .

41. [41]
APPENDIX

42. [42]
LIST OF GRAPHS & CHARTS
SL .No. Graph No . Graph Title Page No.
1
2
3
4
5
6
7
8
Fig -1
Chart -1
Fig -2
Fig -3
Fig -4
Fig -5
Fig -6
FIG-7
HDFC BANK LTD.Financial performance.
Balance sheet of HDFC BANK Ltd
Functional department of HDFC BANK LTD.
Organizaton‟s structure and chart.
Customer based service ranking of HDFC BANK
LTD.
Customer based comparative ranking of HDFC
BANK LTD.
Customer based service valuation of HDFC BANK
LTD on Likert scale.
Customer based comparative performance of the
HDFC BANK LTD.
17
19-20
23
24
39
39
40
40
LIST OF TABLES
SL .NO. TABLE No. Table Title Page No.
1. Table -1 Profit/loss on revaluation /sale of
HDFC BANK LTD.
28

43. [43]
QUESTIONNAIRE
NAME: CONTACT NO.
1. Do you have any saving account with HDFC BANK LTD ?
Yes……… No………..
2. Do you prefer this Bank to be your Financal consultant?
Yes……… No………..
3. How is the quality of the service of the HDFC BANK LTD ?
Very Good…… Good…… Average……. Poor……
4. How much popular and reliable is the service of the HDFC BANK
LTD?
……………………………………………………………………..
5. What is the unique feature of the HDFC BANK LTD. ?
.......................................................................................................
6. How do you rank the following Private sector Bank ?
ICICI BANK… AXIS BANK…… KOTAK MAHINDRA…….
HDFC BANK LTD.……
7. Did you have got service from any other BANK ?
If Yes……. Then mention…….. ……. No…
8. How do rank the performance of HDFC BANK LTD ?
Very Good…… Good…… So So……. Poor…… Don‟t know…..
9. Is the Overall performance of the company good ?
Strongly agree…. Agree… Undecided…. Disagree…. Strongly
disagree….

44. [44]
BIBLIOGRAPHY
Chatterjee , N.N., Management of Personnel in public Enterprise , Allied
Publising House , Kolkata, 1997 p. 44
James manktelow , Get Ahead .Stay Ahead , www.mindtools.com,1995-2007
Philip Kotler (Eight Edition), “ Marketing Management ” , Prentice Hall of India Pvt
. Ltd. Dorling Kingdersley (India) Pvt Ltd p. 405
T.N Chhabra , Human Resource Management , Gagan Kapur for Dhanpat Rai &
Co (P) Ltd . , Delhi , 2004.p.74
„ibid‟ p.164
VSP RAO , Human Resouce Management , Excel Books , New Delhi 2006
p.131
WEB SITES
1.www.hdfcbank.com
2.www.yhaoofinance.com
3.www.moneycontrol.com

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