Details about HDFC Bank

1. Presentation on
Prepared By :
•Jinia Biswas
•Prachi Khemani
•Shruti Jain
•Vibhav Kaushal

2. • PERSONAL BANKING
• SME BANKING
• NRI BANKING
• WHOLESALE BANKING
SECTOR

3. Different Products
• Accounts & Deposits
• Credit cards
• Consumer banking
• Corporate banking
• Finance and Insurance
• Investment Banking
• Mortgage Loans
• Private Banking
DIFFERENT PRODUCTS

4. Savings Account
• Wide network of branches and over 7300 ATMs to meet all your banking
needs, no matter where you are located.
• Never overspend – shop using your International Debit Card that reflects
the actual balance in your savings account.
• Free Personalised cheques (payable at par) with your name printed on
each cheque leaf for enhanced security, , without any usage charges.
• Bank conveniently with facilities like
like NetBanking, Phonebanking and MobileBanking – check your account
balance, pay utility bills or stop cheque payments all via SMS.
• Take advantage of BillPay – an instant solution so you can pay all your
frequent utility bill payments. Instruct for payments over the phone or
through the Internet.
• Free cash withdrawals at any other Bank's ATMs*.
• Free passbook facility available at home branch for account holders
(individuals).
• Free Email Statement facility.
• Safe Deposit Locker (optional)
SAVINGS ACCOUNT

5. Savings Account
• Regular Savings Account
• Savings Max Account
• Senior Citizens Account
• Basic Savings Bank Deposit Account
• Basic Savings Bank Deposit Account - Limited KYC
• Institutional Savings Account
• Kids Advantage Account
• Pension Savings Account
• Savings Plus Account
• Family Savings Group Account
• Womens Savings Account
• NRE Savings Account
SAVINGS ACCOUNT

6. SAVINGS ACCOUNT
Non-Resident External Savings A/c
• Purpose : Meant for foreign
exchange outside India and
transferred to India.
• Currency : Indian Rupees
• Min A/c opening amount : INR
10000(Urban), INR 5000(Semi-
Urban)
• Interest Rate : 4%
• Repatriation : The principal
interest earned are fully
repatriable.
Non-Resident Ordinary Savings A/c
• Purpose : Meant to keep the
money you earn or acquire in
India before and after becoming
an NRI.
• Currency : Indian Rupees
• Min A/c opening amount : INR
10000(Urban), INR 5000(Semi-
Urban)
• Interest Rate : 4%
• Repatriation : RBI allows
repatriation only up to one
million USD per financial year for
bonafide purposes (e.g.
education, medical expenses etc)

7. • Taxation : Interest earned is
exempt from tax
• Joint account : This account can
be held jointly with other non-
resident Indian(s).
• Mandate holders : An Indian
resident can be authorized to
operate the account and provided
with an ATM card for the account
• Taxation : Interest earned is
taxable under Income Tax Act.
• Joint account : This account can
be held jointly with resident or
non-resident Indian(s).
• Mandate holders : An Indian
resident can be authorized to
operate the account and provided
with an ATM card for the account

8. Current Account
Features and Benefits
• Free local collections through cheque and Fund transfer
• Free Local and anywhere cheque payment facility
• Convenient Inter-city Banking.
• Free collections through RTGS and NEFT
You are eligible to operate a Regular Current account if you fall
under any of the following categories:
• Resident Individual
• Hindu Undivided Family
• Sole Proprietorship Firms
• Partnership Firms
• Private and Public Limited Companies
CURRENT ACCOUNT

9. Current Account
• Premium Current Account
• Regular Current Account
• RFC - Domestic Account
• Flexi Current Account
• Apex Current Account
• Max Current Account
• Merchant Advantage
Current Account
• Merchant Advantage Plus
Current Account
• Plus Current Account
• Trade Current Account
• Current Account for
Professionals
• Current Account for
Hospitals and Nursing
Homes
• Agri Current Account
• EZEE Current Account
• Supreme Current Account
• ULTIMA Current Account
• Institutional Current
Account
CURRENT ACCOUNT

10. Current Account
NRE Current Account
• Purpose : Ideal for foreign nationals
who have ESOPs issued by Indian
companies.
• Minimum account opening = Rs.
25,000
Average Monthly Balance = Rs.
25000
• Holding : Cannot be opened jointly
with an Non-Resident Indian(s).
• Mandate holder : An Indian
resident can be authorised to
operate the account and provided
with an ATM card for the account
NRO Current Account
• Purpose : Ideal for foreign
corporate bodies and foreign
nationals on visitor’s visa to India
• Minimum account opening = Rs.
25,000
Average Monthly Balance = Rs.
25000
• Holding : Can be opened jointly
with an Resident or Non-Resident
Indian(s).
• Mandate holder : An Indian
resident can be authorised to
operate the account and provided
with an ATM card for the account

11. • Repatriation : Principal
and interest are fully
repatriable
• International Debit
Card : Get an
International Debit Card
• Repatriation : You can
repatriate up to USD 1
million, for bonafide
purposes, subject to
payment of applicable
taxes
• International Debit
Card : You don’t get a
International Debit Card
but you do get an ATM
Card

12. Deposits
•Regular Fixed Deposit
•5 Year Tax Saving Fixed Deposit
•Super Saver Facility
•Recurring Deposit
•NRE Fixed Deposit
DEPOSITS

13. Period
Interest Rate (per
annum)
**Senior Citizen
Rates (per annum)
Effective From
7 - 14 days 3.50% 4.00% May 12, 2011
15 - 29 days 5.00% 5.50% July 27, 2013
30 - 45 days 6.00% 6.50% July 27, 2013
46 - 60 days 8.50% 9.00% July 27, 2013
61 - 90 days 8.50% 9.00% July 27, 2013
91 Days to less than
6 months 1 day
8.50% 9.00% July 27, 2013
6 months 1 day - 6
months 15 days
8.75% 9.25% July 27, 2013
6 months 16 days 8.75% 9.25% July 27, 2013
6 months 17 days - 9
months 15 days
8.75% 9.25% July 27, 2013

14. 9 months 16 days 8.75% 9.25% July 27, 2013
9 months 17 days - 1
year
8.75% 9.25% July 27, 2013
1 year 1 day - 1 year
15 days
9.00% 9.50% August 17, 2013
1 year 16 days 9.00% 9.50% August 17, 2013
1 year 17 days - 2
years
8.75% 9.25% September 12, 2012
2 years 1 day - 2
years 15 days
8.75% 9.25% September 12, 2012
2 years 16 days 8.75% 9.25% September 12, 2012
2 years 17 days - 3
years
8.75% 9.25% September 12, 2012
3 years 1 day - 5
years
8.75% 9.25% September 12, 2012
5 years 1 day - 8
years
8.25% 8.75% Dec 10, 2010
8 Year 1 Day - 10 8.25% 8.75% Dec 10, 2010

15. Fixed Deposit
NRE Fixed Deposit
• Purpose : Safe and secure
growth for your funds with
full repatriation
• Min Amt and Add-on
deposit : INR 25,000
• Repatriation : Full amount
(principal and interest)
• Overdraft Facility : 90% of
the Deposit
• Tenure : Min. 1 year
Max. 10 years
NRO Fixed Deposit
• Purpose : Long term
investment with high rate of
interest
• Min Amt and Add-on
deposit : INR 25,000
• Repatriation : Interest only
• Overdraft Facility : 90% of
the Deposit Amount
• Tenure : Min. 7 days
Max. 10 years

16. • Taxation : Interest earned is
exempt from Tax (i.e. Tax -
free).
• Rate of Interest : For
amount less than 1 crore ,
8.75%(1-5)years, 8.25%(5-
10)yrs.
For amount 1cr to 5cr ,
9.25%(1-2)yrs, 8.75%(2-
5)yrs,8.25%(5-10)yrs.
• Taxation : Interest is taxable
under Indian Income Tax
• Rate of Interest : For amt
less than 1crores :
(7-14)days : 3.50%
(15-29)days : 5%
(30-45)days : 6%
(46-60)days : 8.50%
(61-90)days : 8.5%
91days to less than 6months
1day : 8.50%
6months 1day to 1year : 8.75%

17. Super Saver Account
• Purpose : Dual advantage of
liquidity of Savings Account
and high interest rates of
Deposits
• Tenure : Linked to a
Savings/Current A/c
Sweep-In Account
• Purpose : Takes care of
deficit in your NRI Savings /
Current Account by linking
without losing out on
interest
• Tenure : 5 years

18. NRO Tax Saver Fixed Deposit
• Purpose : Opportunity to
diversify your investments and
save on tax
• Min amt and add-on deposit :
INR 100 and in multiples of 100
• Repatriation : Interest only
• Taxation : Interest is taxable
under Indian Income Tax Act
• Tenure : 5 years
NRE Recurring Deposit
• Purpose : It is an alternative to
SIP and appeals to account
holders who would want to save
regularly
• Min amt and add-on deposit : An
investment as small as Rs 500
(and in multiples of Rs 100 there
after) or as large as Rs
14,99,900/- per month
• Repatriation : Full amount
(principal and interest)
• Taxation : Interest earned is
exempt from Tax (i.e. Tax - free)
• Tenure : Minimum tenure- 12
months (and in multiples of 3
months thereafter)
Maximum tenure – 120 months

19. Rate of Interest :(7-14)days : 3.50%
(15-29)days : 5%
(30-45)days : 6%
(46-60)days : 8.50%
(61-90)days : 8.5%
91days to less than 6months1day :
8.50%
6months 1day to 5years : 8.75%
5years to 10years : 8.25%
• Rate of Interest : 12months :
7.75%
(15-60)months : 8.75%
(90-120)months : 8.25%

20. Foreign Currency Deposits
Foreign currency NR Deposits
• Currency : 6 foreign currencies -
US Dollars, Pounds Sterling, Euro,
Japanese Yen, Australian Dollars,
Canadian Dollars
• Purpose : Deposit in foreign
currency protecting you from
exchange rate risks
• Repatriation : Principal and
interest fully repatriable
• Taxation : Tax exemption on
entire deposit
• Joint holder : Can be held jointly
with other NRI customers
• Tenure : Min. 1 year
Max. 5 years
RupeeMax
• Currency : 6 foreign currencies -
US Dollars, Pounds Sterling, Euro,
Japanese Yen, Australian Dollars,
Canadian Dollars
• Purpose : Forward cover product
that converts your FCNR FDs in
INR at a pre-determined fixed
rate.
• Repatriation : Repatriate
proceeds on maturity
• Taxation : -
• Joint holder : Available for FCNR
FDs held jointly
• Tenure : Book a forward cover for
a tenure ranging from 1 to 5 years

21. Account for returning Indians
RFC Savings Account
• Purpose : Maintain account in
foreign currency even as you can
withdraw cash in Indian Rupees
• Transfer : Balance can be
transferred on regaining NRI
status
• Repatriation : Repatriate funds
on bonafide reasons
• Taxation : Earn tax exemption on
interest accrued on declaration of
Resident but Not Ordinarily
Resident status
RFC Fixed Deposit
• Purpose : Maintain account in 4
foreign currencies and protect
yourself against exchange rate
fluctuations
• Transfer : Funds can be remitted
abroad for any bonafide purpose
of the account holder
• Repatriation : Repatriate funds
on bonafide reasons
• Taxation : Earn tax exemption on
interest accrued on declaration of
Resident but Not Ordinarily
Resident status

22. • Nomination facility : Is available
• Interest payment : Interest is
credited quarterly
• Taxation : TDS (Tax Deducted at
Source) exemption can be
claimed on interest earned basis
declaration of RNORA.
• Joint holder : Can be held jointly
with other eligible persons
• Nomination facility : Is available
• Interest payment : Interest is
credited quarterly
• Taxation : TDS exemption can be
claimed on interest earned basis
declaration of RNOR
• Joint holder : Can be held jointly
with other eligible persons

23. Offshore Accounts & Deposits
• Smart Account : If you need an account that offers you instant access to
your funds while fetching you attractive interest on your balances, then
Smart Account is the right choice. Available with a cheque book, this
account can be opened with 3 other joint account-holders to help you
manage your finances better.
• Time Deposit : HDFC Bank Hong Kong offers you Time Deposits - an
investment solution with flexible tenures and attractive interest rates.
With the multiple advantage of being able to invest in 4 major currencies,
you can renew the deposit automatically with added security and
flexibility.
• Offshore deposits : If you are looking for a safe investment option which
can offer competitive returns, Offshore Deposits is the right choice. It
gives you the flexibility to choose between fixed or floating deposits in
three major currencies of the world.
• Call Account : Opt for our zero balance call account offering competitive
rates and orderly management of funds. You also get the flexibility to
withdraw the amount any time

24. Demat Account
Features
• No Account Opening charges
• 1st year waiver on Annual Folio Maintenance Charges
• Transaction linked Annual Folio Maintenance charge from 2nd
year onwards (The more you transact, Lesser you pay)
• No stamp duty on transfer of securities held in Demat form
• Auto credit of rights / bonus / public issues in your Demat
Account through ECS
• Holding / Transaction details can be viewed through HDFC
Bank Net Banking by registering for DP on Net for free of cost
• Pledging of securities
• Discounted AMC of Rs 250/- from second year onwards for
customers in Senior citizen category
DEMAT ACCOUNT

25. Loans
• Personal Loan
• Business Loans
• Home Loans
• Car Loans
• Two Wheeler Loans
• Education Loans
• Loan Against Gold
• Loan Against Securities
• Loan Against Property
LOANS

26. CARDS
• Credit Cards
• Debit Cards
• Prepaid Cards
• Credit Card Rewards Program
• Business Platinum Credit Card
• Business Gold Credit Card
CARDS

27. INVESTMENTS
• Wealth Services
• Investment Products
INVESTMENTS

28. INSURANCE
• Life Insurance
• Health Insurance
• Motor Insurance
• Travel Insurance
• Home Insurance
INSURANCE

29. FOREX
• Travel Solutions
• Remittance Products
• Other Forex Services
FOREX

30. • Imperia Banking
• Preferred Banking
• Classic Banking
PREMIUM BANKING

31. • NRI Private Banking
• NRI Imperia Banking
• NRI Preferred Banking
• NRI Classic Banking
NRI PREMIUM BANKING

32. • Cash Management Services
• Direct Mode of Payment
• Merchant Services
• RTGS
• ECS Credit & Debit
• Doorstep Banking
• Tax Payments
PAYMENTS & COLLECTIONS

33. • Export Services
• Import Services
• Letter of Credit
• Bank Guarantees
• Remittance Services
• Investment Services
TRADE SERVICES

34. • Working Capital Finance
• Term Loans
• Business Loans
• Loan against Assets
FINANCING YOUR BUSINESS

35. WHOLESALE
BANKING
CORPORATES
FINANCIAL
INSTITUTIONS &
TRUSTS
GOVERNMENT
SECTOR
INVESTMENT
BANKING

36. CORPORATES
LARGE
CORPORATES
FUNDED
SERVICES
NON FUNDED
SERVICES
VALUE ADDED
SERVICES
INTERNET
BANKING
SUPPLY CHAIN
PARTNERS
DEALER
FINANCE
VENDOR
FINANCE
AGRICULTURAL
LENDING

37. • Tax Collection
• E-Ticketing
• Opening of L/C's
• Collection of levies and taxes
• Disbursement of Pension
• Electronic Collection of fees
• Ministry of Corporate Affairs
• Collection of Property Tax
GOVERNMENT SECTOR

38. • Project appraisal, structured finance, loan
syndication and debt capital markets
• Equity Placement
• M&A and Corporate Advisory Services
• Capital Market Advisory Services
INVESTMENT BANKING

39. • Banks
• Financial Institutions
• Mutual Fund
• Capital & Commodity Markets Brokers
• Insurances Companies
• Trusts
FINANCIAL INSTITUTIONS & TRUST

40. Banking Online :
• Net Banking
• Email statements
Banking with Phone :
• SMS Banking
• Phone Banking
• InstaAlerts
• Mobile banking through browser
• Mobile Banking App for iPhone
• Mobile Banking App for Blackberry
• Mobile Banking App for Android
• Mobile Banking App for Nokia
Mobile Banking Credit card information
WAYS TO BANK

41. Banking in Person
• P.O Boxes – Account instructions are sent to a
local P.O Box which are then wire transferred to
HDFC Bank, free of charge.
• NRI Access Points – HDFC Bank has representative
offices in the Gulf, Kenya and Hong Kong.
• Branch Network - Accessing Savings or Current
Account from any of over 3,119 of HDFC Bank
branches across India.
• ATMs - 24-hour access to cash, view mini-
statement, order cheque books, recharge prepaid
cards, all from HDFC’s wide network of over
11,088 ATMs.

42. THANK YOU

43. http://www.unitedworld.edu.in/
Campus
Ahmedabad Campus: Karnavati Knowledge Village,
A/907,Uvarsad, S.G.Highway, Gandhinagar
Kolkata Campus: Infinity Benchmark Tower 10th Floor, Plot -
G1, Block - EP& GP, Sec - V, Salt Lake, Kolkata.
Reg. Office: 407, Zodiac Square, 4th Floor Opp. Gurudwara, S.G.
Road, Bodakdev, Ahmedabad.