HDFC Bank Limited is an Indian banking and financial

services company headquartered in Mumbai, Maharashtra. It is

the fifth largest bank in India by assets, incorporated in 1994.
[1][7] It is the largest private sector bank[8] in India by market
capitalization as of 24 February 2014. As on Jan 2 2014, the
market cap value of HDFC was around US$26.88 billion, as
compared to Credit Suisse Group with US$47.63 billion.[9][10]
The bank was promoted by the Housing Development Finance
Corporation, a premier housing finance company (set up in
1977) of India.[11] According to the Brand Trust Report 2014,
HDFC was ranked 32nd among India's most trusted brands.[12]
HDFC was ranked 45th on the list of top 50 Banks in the world
in terms of their market captialization.
As of 31 March 2013, the bank had assets of INR 4.08 trillion.[2]
For the fiscal year 2012-13, the bank has reported net profit of
INR 69 billion, up 31% from the previous fiscal year. Its
customer base stood at 28.7 million customers on 31 March
2013.
Objective
BANK
HDFC
Home Loan : HDFC Bank brings, HDFC home loans to your
doorstep. Over 3 decades of exclusive experience, a dedicated
team of experts and a complete package to...
Education Loan : With HDFC bank student education loans,
pursue your dream higher studies without worrying for financial
assistance. HDFC provides student...
Personal Loan : Whatever the occasion, HDFC Personal Loan
can help. The procedure is simple, documentation is minimal
and approval is quick.Borrow up to Rs...
Car Loan : Just decide on the make & model, and the
HDFC New Car Loan will bring it to your driveway in no
time.Covers the widest range of cars and...
Loan Against Property : Would like to leverage your property
without giving it on rent or selling it? HDFC Bank brings to you
Loan Against Property (LAP). You can now take...
Business Loan : We provide business loan for short or long

term financial needs of business organizations. A lot of times it

is important for businessmen to...
INSURANCE
HDFC Standard Life Insurance Co. Ltd
HDFC Standard Life Insurance Company Ltd. is a prominent life insurance
company in India. It is a joint venture between HDFC Ltd., India's leading
housing finance institution and Standard Life, a...
Life Insurance: Children Plan : Unit Linked Yound Star
II, Childrens Plan, Unit Linked Young Star Suvidha, Unit
Linked Young Star Suvidha Plus, Unit Linked Yound Star Plus II
Life Insurance: Investment Plan : Assurance Plan
Life Insurance: Protection Plan : Loan Cover Term
Assurance Plan, Home Loan Protection Plan
Life Insurance: Retirement Plan : Unit Linked Pension, Unit
Linked Pension II, Personal Pension Plan, Unit Linked Pension
Maximiser II, Unit Linked Pension Plus
Life Insurance: ULIP Plan : Unit Linked Endowment
Suvidha , Simpli Life , Unit Linked Wealth Maximiser
Plus , Unit Linked Enhanced Life Protection II , Unit Linked
Endowment II , Unit Linked Endowment Plus II , Unit Linked
Endowment Suvidha

Products
HDFC Bank offers the following core products:
NRI banking
Under NRI Banking, HDFC offers:

Accounts & Deposits

Money Transfer

Investments & Insurance

Research Reports

Payment Services
SME banking
Under SME Banking, HDFC offers:[15]

Accounts & Deposits

Business Financing

Trade Services

Payments & Collections

Cards

Wholesale banking[edit]
HDFC offers Wholesale Banking for Corporates and Financial
Institutions & Trusts. The Bank also provides services such as
Investment Banking and other services in the Government sector.[16]
Services
Wholesale banking services[edit]
HDFC Bank provides a range of commercial and transactional banking
services, including working capital finance, trade services, transactional
services, cash management, etc. to large, small and mid-sized
corporates and agriculture-based businesses in India. The bank is also a
leading provider of these services to its corporate customers, mutual
funds, stock exchange members and banks
Retail banking services[edit]
HDFC Bank was the first bank in India to launch an International Debit
Card in association with VISA (Visa Electron). The bank also issues
the MasterCard Maestro debit card.[18][19] The Bank launched its credit
card business in late 2001. By the end of June 2013, it had a credit card
base of 5.94 million.[20] By March 2012, the bank had a total card base
(debit and credit cards) of over 19.7 million. [17] The Bank is also one of
the leading players in the "merchant acquiring" business with over
240,000 point-of-sale (POS) terminals for debit / credit cards acceptance
at merchant establishments.[2][21] The Bank is positioned in various net
based B2C opportunities including a wide range of Internet banking
services for Fixed Deposits, Loans, Bill Payments, etc. [17]
Treasury[edit]
The bank has three main product areas - Foreign Exchange and
Derivatives, Local Currency Money Market & Debt Securities, and

Equities. These services are provided through the bank's Treasury team.
To comply with statutory reserve requirements, the bank is required to
hold 25% of its deposits in government securities. The Treasury
business is responsible for managing the returns and market risk on this
investment portfolio.[1][17]
HDFC Bank has two subsidiaries:
HDB Financial Services Limited (HDBFS): HDBFS is engaged in
retail asset financing. It is a non-deposit taking non-bank finance
company (NBFC). Apart from lending to individuals, the company grants
loans to micro, small and medium business enterprises. It also runs call
centers for collection services to the HDFC Banks retail loan products.
HDFC Bank holds 97.4% shares in HDBFS. As of March 31, 2013,
HDBFS has 230 branches in 184 cities. During the FY 2012-13, HDBFS
had turnover of INR 9.6 billion and profit after tax of INR 1 billion. [2] It has
6,404 employees as of 31 March 2013.[24]
HDFC Securities Limited (HSL): HSL is engaged in stock broking. As
of March 31, 2013, HDBFS has 194 branches across 150 cities. HDFC
Bank has 62.1% shareholding in HSL. During the FY 2012-13, HSL had
turnover of INR 2.3 billion and profit after tax of INR 668 million. [2] During
the year, the Company received the Best e-Brokerage Award - 2012 in
the Outlook Money Awards in the runner up category.
Shareholding: On 30 September 2013, the promoter group Housing
Development Finance Corporation held 22.72% of its equity shares.
33.61% of the shares were owned by the Foreign Institutional Investors
(FII). Around 428,000 individual public shareholders own approx. 8.43%
of its shares. The remaining 35.24% shares are owned by others.

Conclusion
After overhauling the all situation that boosted a number of Pvt.
Companies associated with multinational in the Insurance
Sector

to

give

befitting

competition

to

the

established

behemoth HDFC Bank in public sector, we come at the

conclusion that :

1) There is very tough competition among the private banks on

the level of new trend of advertising to lull a major part of
Customers.
2) HDFC Bank is not left behind in the present race of
advertisement.
3) The entry of the Pvt. Players in the Banking Sector has
expanded the product segment to meet the different level of
the requirement of the customers. It has brought about greater
choice to the customers.