HDFC Bank India

Established in 1994, HDFC Bank India is a major banking services provider in India. It is headquartered in Mumbai and is one of the competitors of banking majors like ICICI Bank, Axis Bank and State Bank of India. About HDFC Bank India HDFC Bank is one of the Big Four Banks of India. It was founded in 1994. The promoter of the bank was Housing Development Finance Corporation, a reputed home financing company which was incorporated in 1977. HDFC has a proven track record in the Indian and global housing finance industry.

At present, HDFC Bank has a countrywide network of 1,725 Branches and 4,232 ATMs. The bank has its presence in 779 Indian towns and cities.

HDFC bank is one of the earliest private sector banks to be set up in India when the Reserve Bank of India permitted establishment of private banks throughout the country. The bank started its operations when it received the status of a scheduled commercial bank in January 1995. The principal business segments of HDFC Bank are wholesale banking services, treasury and retail banking services.

The ATM network of HDFC Bank can be accessed by all international and domestic Visa Electron/Maestro, Visa/MasterCard, American Express Credit/Charge and Plus/Cirrus cardholders. HDFC Bank India products and services The products and services of HDFC Bank India can be categorized into the following types: Accounts & Deposits Savings Accounts 1. 2. 3. 4. 5. 6. Savings Plus Account Regular Savings Account Senior Citizens Account SavingsMax Account Institutional Savings Account No Frills Account

Salary Accounts 1. 2. 3. 4. 5. 6. Classic Payroll Premium Regular No Frills Salary Account Defence

7.

Reimbursement Current Account

Pension Saving Bank Account Kid's Advantage Account Kisan No Frills Savings Family Savings Group Kisan Club Savings Current Accounts

1. 2. 3. 4. 5.

Trade Current Account Plus Current Account Regular Current Account Premium Current Account Flexi Current Account

6. RFC - Domestic Account 7. Apex Current Account 8. Merchant Advantage Current Account 9. Max Current Account 10. Merchant Advantage Plus Current Account

Fixed Deposits 1. 2. 3. 4. 5 Year Tax Saving Fixed Deposit Regular Fixed Deposit Sweep-in Facility Super Saver Facility

Recurring Deposit Safe Deposit Lockers Demat Account HDFC Bank Imperia/Preferred /Classic Banking 1. 2. 3. Preferred Banking Imperia Premium Banking Classic Banking

Private Banking Loans

1. 2. 3. 4. 5.

SmartDraft Personal Loans Two Wheeler Loans Home Loans Used Car Loans

10. Loan Against Securities 11. Health Care Finance 12. Loans Against Rental Receivables 13. Tractor Loans 14. Retail Agri Loans

6. 7. 8. 9.

New Car Loans Educational Loan Gold Loan Loan Against Property

15. Working Capital Finance 16. Commercial Vehicle Finance 17. Warehouse Receipt Loans 18. Construction Equipment Finance

Cards Credit Cards

1. 2. 3. 4. 5. 6. 7.

Value Plus Credit Card Silver Credit Card Titanium Credit Card Gold Credit Card Platinum Plus Credit Card Woman's Gold Credit Card World MasterCard Credit Card

8. Visa Signature Credit Card 9. Corporate Credit Card 10. Corporate Platinum Credit Card 11. Business Gold Credit Card 12. Business Platinum Credit Card 13. Distributor Card 14. Purchase Card

Debit Cards 1. 2. 3. 4. 5. 6. EasyShop Gold Debit Card EasyShop International Debit Card EasyShop Woman's Advantage Debit Card EasyShop International Business Debit Card EasyShop NRO Debit Card EasyShop Titanium Debit Card

Prepaid Cards 1. 2. 3. 4. 5. GiftPlus Card ForexPlus Card MoneyPlus Card FoodPlus Card ForexPlus Chip Card

Investments & Insurance

1. 2. 3. 4.

Mutual Funds Wealth Advisory Services Insurance Tax Planning

6. 7. 8. 9.

General & Health Insurance Equities & Derivatives Knowledge Centre Mudra Silver Bar

5. Bonds

10. Mudra Gold Bar

Forex Services 1. 2. 3. 4. Trade Services Products & Services Forex Limits Forex Services Branch Locator

Payment Services

1. Merchant Services 2. NetSafe 3. ngpay 4. Prepaid Refill 5. Visa BillPay 6. BillPay 7. Register & Pay 8. PayNow 9. DirectPay 10. InstaPay

11. Visa Money Transfer 12. mChek 13. e-Monies Electronic Funds Transfer 14. RTGS Funds Transfer 15. Online Payment of Direct Tax 16. Excise & Service Tax Payment 17. Online payment of Gujarat VAT 18. Online payment of DVAT 19. Donate to Charity 20. Religious Offerings

Access Your Bank

1. 2. 3. 4. 5.

Credit Cards Online NetBanking InstaAlerts OneView ATM

6. 7. 8. 9.

MobileBanking Email Statements PhoneBanking Branch Network

How would you like a banker dedicated to take care of all your banking requirements and suggesting ways to invest your money with good returns from time to time? If you're a seasoned professional or have been running a successful business over the years, the HDFC Bank Preferred Programme is meant for you. As a valued customer you benefit from our Relationship Pricing with exclusive offers across a host of products and services. You're special, so go ahead, and step into a new league.

Features & Benefits

Dedicated Relationship Manager Customised Investment Solutions Investment Options e-Broking Expedited Tax Payments Relationship Pricing Business Solutions On-demand exclusive privileges Annual Service Charge Waiver

Dedicated Relationship Manager Your personal Relationship Manager is just a phone call away. These experienced and professionally trained individuals will cater to all your banking and financial services needs. So, whether it is expert advice that you seek on mutual funds or the urgency of having a demand draft issued, just ask and trust your Relationship Manager to get the job done promptly and efficiently.

Customised Investment Solutions Comprehensive Investment solutions ranging from tax efficient investment avenues, buying and selling shares to convenient tax payment options - get it all under one roof. You can also benefit from extensive research across Equities, Derivatives, Debt and Mutual Funds, in addition to the expertise of a dedicated Advisor to take care of your financial needs. Keeping your risk profile in mind, we will customise an investment strategy for you, restructure your portfolio and allocate your assets optimally in order to realise your long term investment goals.

Investment Options Choose from a wide range of Mutual Funds, RBI Relief Bonds, Insurance and other tax effective investment avenues like Infrastructure Bonds (NHAI bonds, Electrification Bonds and so on). We assure you that you will find a product that suits your need, be it high return, quick liquidity or capital preservation.

e-Broking HDFC Bank offers a gateway for e-Broking, via HDFC Securities Trading account, to facilitate easy T+2 settlements at a special price. Enjoy the convenience and flexibility of buying and selling shares over the phone or the Internet. Link your Savings Bank account and Demat Account to the Securities Trading account, thus allowing seamless flow of funds and shares between accounts.

Expedite Tax Payments Step into the nearest authorised branch and pay your taxes through HDFC Bank cheque and collect your challan immediately over the counter.

Relationship Pricing Get preferential pricing across a wide range of financial products like Credit Card, Loans, Demat account, HDFC Securities Trading account. Just ask your Relationship Manager for further details, and we will ensure that you need not look anywhere else.

Business Solutions Along with you and your family's banking needs, we also cater to the financial needs of your business with Business Loans like Working Capital Overdrafts, Trade Finance or Commercial Vehicle Loan.

On-demand exclusive privileges

No charges on NEFT & RTGS transactions through Netbanking. Get Free Alerts on your mobile phone or in your mailbox by registering for our InstaAlert facility. It comes at no cost to you. Register for free e-Age Banking - Avail of MobileBanking, NetBanking, or PhoneBanking facilities. Waiver of AQB non-maintenance charges Free Preferred International Gold Debit Card, with higher spending limit of up to Rs. 50,000 and cash withdrawal of up to Rs. 75,000 in a single day. No charges will be levied for balance enquiry and cash withdrawal if you transact on non HDFC Bank ATM (VISA/ MasterCard / Euronet/ SBI/ Andhra Bank) in India. A life time free HDFC Bank Credit Card which offers you exclusive and preferential benefits!* Request for a free "At Par" cheque book payable at any HDFC Bank branch across the country, doing away with the need for asking for a demand draft. Avail of a locker at just 50% of the annual fee. (Subject to availability) Open multiple Demat accounts absolutely free of charge. Also, avail of a discounted rate on transactions on your Demat account. Preferential Forex rates. Avail of combined monthly statement of your Savings, Current and Fixed Deposit accounts where you are principal holder. This faciity is also available for email statements. Free Standing Instructions facility. Cheque pick up facility. Avail of the BillPay facility and take care of all your utility bills and LIC premiums through PhoneBanking and NetBanking.

Annual Service Charge Waiver As a Preferred Customer you are entitled to a waiver of up to Rs.2, 000* per annum on a host of service charges like:

Demand Draft / Manager's Cheque charges. Inter-branch funds transfer charges Stop Payment charges. Cheque return / collection charges. DD cancellation charges. Hold Mail charges. Duplicate statement charges. Certificate of balance charges. FIRC charges. Recovery of old records charges

Advantages of dena
Dena Bank is one of the earliest national banks in India. Since its inception, the bank has become a renowned name in the field of banking and financial solutions. It is trusted all over the country by thousands of consumers. By being a customer of Dena Bank, one can easily enjoy financial stability and also get good returns on the services and the financial solutions.

Growth

of

Dena

Bank

Dena Bank was established in the year 1938 on the 26th of May. It was set up by the family of renowned Devkaran Nanjee. The initial name of the bank was Devkaran Nanjee Banking Company Ltd. In the month of December in 1939, the bank became a Public Company and changed its name to Dena Bank Ltd. It was in the year 1969, that Dena Bank was made a national bank and the term Ltd was dropped from the name. Dena Bank is one of the well known banks in the country and has a very good market share. Today, the bank has around 240 branches and around 150 ATMs across the country. The bank has already provided around 1.8 lakh debit cards to the account holders.

Dena Bank is one of the 6 public sector banks which have been sanctioned by the World Bank for the process of sanctioning of a loan of Rs.72.3 crore. The loan was given for the purpose of development in the year 1995. The World Bank has also provided the bank with technological training and expertise for the upgradation of its services. The bank is also credited with the introduction of a credit card facility in the rural sector of India named as Dena Krishi Sakh Patra. It was also created a Drive in ATM counted in Juhu in Mumbai. In order to enable customers to rate the services, the bank has also introduced the customer rating system.

Products

and

Services

of

Dena

Bank

The products and services of Dena Bank are based on a number of segments and services. They are:

Personal Banking Corporate Banking Financial facilities Core banking solutions NRI services Loans and credits

In case of the personal banking segment, the bank offers a number of schemes to help the customers have a high rate of return. Some of the popular schemes that are offered by the bank include:

Dena Cash certificates Deposit schemes Dena Maha Tax Bachat Dena Vidya Laxmi Dena Niwas

The credit card offered by Dena Bank is preferred by the customers for a number of high class solutions. The credit can be used all over India and Nepal. Some of the benefits that are offered in the credit card are:

Lost Baggage Insurance Cover

Accident Insurance Cover Loss of Goods insurance Cover Mediclaim Insurance

Dena Bank Electronic Fund Transfer is one of the major services offered by Dena Bank. By being covered under this scheme, customers can get the benefits of inter-bank, intra-bank and inter-city transfer of money. The service is available in number of cities such as:

Kolkata Bangalore Chennai Guwahati Mumbai New Delhi Nagpur Bhubaneshwar Hyderabad