A PROJECT REPORT

ON SEGMENTATION AND SELLING OF SAVING ACCOUNT FOR HDFC BANK LTD

CARRIED OUT AT

BY ANANT PRASAD PANDA

IN PARTIAL FULFILLMENT OF

POST GRADUATE DIPLOMA IN MANAGEMENT (2010 2012) NAME OF THE PROJECT GUIDE: From college- prof. Radhika singh From company- Mr. Raghwendra Singh Rana

ACKNOWLEDGEMENT

The summer training in HDFC Bank has been a truly remarkable experience. The experience gained during 8 weeks of training period have been quite enriching and the intensive exposure to market environment would prove beneficial in the long run as well as in the outlet of planning, building and shaping my career in future. It gives me immense pleasure in acknowledging the valuable guidance extended to me by various person of HDFC in successful completion of this project I sincerely thank Mr. Raghwendra Singh Rana Sales Manager of Aundh Branch for their kind cooperation for completing this project. I am very thankful to Professor Kadambani kumari, my internal project guide for having equipped me with the skills which contributed a great deal in the successful completion of the project. At last, but not the least, I would like to thank the customers to cooperate with me in giving me through and valuable information for the project.

ANANT PRASAD PANDA ISBS PUNE, (2010-2012)

EXECUTIVE SUMMARY The project was carried out for Segmenting the market for s a v i n g Account o f H D F C B a n k . HDFC Bank was established in the year 1994, they are old player in banking sector, The bank has two principle client segments customer and asset management. The bank follows values such as Integrity, teamwork, respect, professionalism, & Mission. The segment of bank we are considering here is- Retail banking. The product out of which have chosen for research is Saving Accounts. This research helps us in finding out type of customer who r using HDFC saving account. This also helps us in finding out customers view regarding the product and Services offered by the HDFC bank and also identifying the market potential of the product offered by the HDFC bank. Banks are essentially known for transferring financial resources from net savers to net borrowers .the banking sectors plays a dominant role in the complex financial system of a country by accepting deposits from the public and using them to make credit available to households ,government ,businesses and others . Propelled by a steady growth in all sectors and fuelled by a buoyant economy, the consumers and corporate spending power in India its zooming its way, and this very power is enabling the banking industries in many cities to shine and smile too. Communication is the truest form of expression .communication transcends all class, social cultural, economical and geo-political barriers

.communication is a key approach in building relation.

If one is asked to describe todays business scenario in one sentence, then the only sentence that seems to be perfect is CONSUMER IS KING that is held true even today at HDFC bank. Studies made on individual reveals that the person have an ideal image of the product they are going to use .The product hence that is designed is known as ideal status symbol and relationship is established when the product provides customer satisfaction ,this is known as individual relationship. The topic plays an information role in providing knowledge about different people, their needs and their status .It also gives a brief knowledge how a bank works is there to establish a relation with the individual. Thus ,the information was collected in the form of assessment forms and questionnaire which was later on assessed i.e. a comparison was made done is needed to develop the product on provide after sale service on behalf of HDFC Bank to its end customers in various parts of the country. The topic is thus important in many ways as-: I had an opportunity to work on live project rather than a mock project thus; it was great learning experience while working on this project, my findings would be quite helpful for the organization in formulating future course of action. Finally, the end customer is going to get the benefits from the project , it is because they can get prompts service after proper suggestion and remedial. Thus, companys quality policy of MAINTAINING RELATIONSHIP is also fulfilled with this project.

RESEARCH OBJECTIVES:

(a) segmenting the market on the demographic baseis (b) Finding the market for saving account of HDFC Bank (b) Measuring the effectiveness of the bank product, services and facility in terms of its customer satisfaction. (c) To know different behavior of customer who are using services of HDFC bank

Research Methodology -: It is a systematized effort to gain new Knowledge. The main researched is to disclose answers to question through the application scientific procedure. Type of Research-: In this project descriptive researched methodology has been used. Primary data source: The people from different profession such as C.A, Doctors, and Busineesman were personally visited and interviewed. They were the main source of Primary data. The method of collection of primary data was direct personal interview through a structured questionnaire. Secondary D a t a S o u r c e :

It was collected from internal sources. The secondary data was collected on the basis of organizational file, official, records, news papers, magazines, management books, preserved information in the companys database and website

of the company.

Sample designSample unit- Different professionals, Chartered Accountants, Tax Consultants, Lawyers, Business Man and House Wives of Aundh , Baner , Sush Road, Pimple Saudgar and Bawdhan area . Sample frame - Customers which are using retail banking (S.A) of HDFC bank as wel as who are planning to switch to HDFC Bank. Sample size-450 Sample Method: Random Sampling.

SAMPLE SIZE:

My sample size for this project was 450 respondents. Since it was not possible to cover the whole universe in the available time period, it was necessary for me to take a sample size of 450 respondents.

RESEARCH LIMITATIONS:

It was not possible to understand thoroughly about the different marketing aspects of the Financial Consultant within 60 days. All the work was limited in some limited areas of Pune so the findings should not be generalized. The area of research was Pune and it was too vast an area to cover within 45 days. All the findings and conclusions obtained are based on the survey done in the working area within the time limit. I tried to select the sample

representative of the whole group during my job training. I have collected data from people linked with different profession at PUNE.

INDUSTRY OVERVIEW

HISTORY OF BANKING IN INDIA The first bank in India, though conservative, was established in 1786. From 1786 till today, for centuries, bank has played an important role in the financial system of any economy. That vital role continues even today although the forms of banking have changed with the changing needs of the economies. Banking in its crude form is an age-old phenomenon and its invention preceded that of coinage. As new and more sophisticated instruments of currency evolved, so did banking. It evolved as business expanded and barter system gave way to money, which needed safe deposited. In its simple from, it originated from temple and royal palaces around 1000 B.C in Babylon, as the strongest faith of people was in the places of worship and royal houses as safe places for keeping money and valuables. The practice of depositing personal valuables at these places, which were also functioning as treasuries against a receipt, was perhaps the earliest form of banking. When coins made of precious metal like gold and silver emerged as commonly accepted form of wealth. Lending activity at an interest began. Goldsmiths were the initial banker and their receipts for money received-grunted payments or goldsmith receipts were the earliest fans of bank instruments. Revilpout, a French writer mentions about banks and bank notes in Babylon in 600. The journey of Indian Banking System can be segregated into three distinct phases. They are as mention below: Early phase from 1786 to 1969 of Indian Banks Nationalization of Indian banks and up to 1991 prior to Indian Financial & Banking sector Reforms after 1991. PHASE I The General Bank of India was set up in the year 1786. Next came Bank of Hindustan and Bengal Bank. The East India Company established Bank of Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) As independent units and called it presidency Banks. These three banks were amalgamated in 1920 and Imperial Bank of India was established which started as private shareholders banks, mostly Europeans shareholders. Reserve Bank of India came in 1935. Reserve Bank of India was vested with Extensive powers for the supervision in India as the central banking. PHASE II Government took major steps in this Indian Banking Sector Reform after independence. In 1955, it nationalizes Imperial Bank of India with extensive

banking facilities on a large scale especially in rural and semi- urban area. It formed State Bank of act as the principal agent of RBI and handle banking transactions Of the Union and State governments all over the country. The following are steps taken by Government of the India to regulate Banking institutions in the country: 1949: Enactment of banking regulation Act. 1955: Nationalization of State Bank of India. 1959: Nationalization of SBI subsidiaries. 1969: Nationalization of 14 major banks. 1971: Creation of credit guarantee corporation. 1975: Creation of regional rural banks. 1980: Nationalization of seven banks with deposits over 200 Crore. PHASE III This phase has introduced many more products and facilities in the banking sector in its Reforms measure. In 1991, under the chairmanship of M Narasimham, a committee was set up by his name which worked for the liberalizations of banking practices. The country is flooded with foreign banks and their ATM stations Efforts are being put to give a satisfactory service to customers. Phone banking and net banking is introduced. The entire system became more convenient and swift. Time is given more importance than money. INDUSTRY BACKGROUND: THE Indian Banking sector consists of public sectors, private sectors and foreign banks apart from smaller regional cooperative banks .public sectors banks dominate the banking sector in terms of market share but are hindered by legacy factors as well as services and quality issues .private banks is constrained by the size factors as they are basically NICHE players .foreign banks have limited branch networks and capital commitment. HDFC bank is a part of HDFC group limited HDFC registered office is located at senpati Bapat Marg ,lower parel ,Mumbai .HDFC bank started its operation in the year 1994,there is a saying opportunity knocks the door only once .to work with MNC is anybody s dreams come true. HDFC bank today is one of the leading banks in the private sectors .the branch offers services such as 24 hours banking through ATMs ,internet banking ,phone banking ,mobile banking ,etc .it uses technology as a vehicle to open up new

frontiers of internet banking , thus making its operation location independent ,it uses all the modernized computerized system and equipment and thus cater to most part of the country. The bank is one of them ,which had grown at rapid pace and had scales new height and leadership position in terms of clients ,products, talents reach and capital all vital ingredients for continuous growth and profitability. The bank was selected as the best bank in India by the business world magazines for 4th consecutive year ,Forbes magazines named the bank :best listed bank in India at the assets magazines AAA country awards .today the bank starts at fare front of the Indian financial sector by compilers the best retail , corporate and treasury product with sound risk ,human recourse and state of the art technology support HDFC bank has more than 1725 branches in more than 780 cities and over more than 50 ATMs across the country. And so thus it caters to most of the parts of the country .the bank uses advance software and system to provide services like any where banking and ATM connectivity .it also offers international banking services of which some of them are connected to swift network.

COMPANY PROFILE

Origin of the Organization:Housing Development Finance Corporation Limited, more popularly known as HDFC Bank Ltd, was established in the year 1994, As a part of the liberalization of the Indian Banking Industry by Reserve Bank of India (RBI). It was one of the first banks to receive an 'in principle' approval from RBI, for setting up a bank in the private sector. The bank was incorporated with the name 'HDFC Bank Limited', with its registered office in Mumbai. The following year, it started its operations as a Scheduled Commercial Bank. HDFC Bank Limited. The Group's principal activities are to provide banking and other financial BANK. The Group operates through four segments: Treasury, Retail Banking, Wholesale Banking and Other Banking Business. The Treasury BANK segment consists of net interest earnings on investments portfolio of the bank and gains or losses on investment operations. The Retail Banking segment serves retail customers through a branch network and other delivery channels. This segment raises deposits from customers and makes loans and provides advisory BANK to customers. The Wholesale Banking segment provides loans and transaction BANK to corporate and institutional customers. The Other Banking Operations segment provides BANK relating to credit cards, debit cards, third party product distribution and primary dealership business and other associated costs. The Bank was incorporated on30th August 1994. A new private sector Bank promoted by housing Development Corporation Ltd. (HDFC), a premier housing finance company. The bank is the first of its kind to receive an in-principle approval from the RBI for establishment of a bank in the private sector. Certificate of Commencement of Business was received on10th October 1994 from RBI. The Bank transacts both traditional commercial banking as well as investment banking. HDFC, the promoter of the bank has entered into an agreement with National West minister Bank Pc. and its subsidiaries (Nat west Group) for subscribing 20% of the banks issued capital and providing technical assistance in relation to the banks proposed banking business.

Organizational structure Each team lead has a team comprising only of both senior as well as junior market research analyst who aid the team lead in the entire market research process as it has been discussed previously. This is the basic organizational structure followed by HDFC BANK.

Operations

Treasury

Corporate banking

Retail banking

Savings

Current

Salary

Product and service profile

Product and service profile of the organization:PREMIUM SAVING ACCOUNT HDFC Premium Banking is especially for high net income people i.e. anybody earning more than 10 lakhs annually .it is an extension of saving account. Premium Banking is divided into three major categories. HDFC Bank Imperia Banking -: HDFC Bank Imperia Premium Banking programme is designed for the royalty of today - you. It seeks to enhance the exclusivity that you are accustomed to and pampers you with services that others can only dream about. Be it a dedicated Client Relationship Manager, customized investment advisory or exclusive privileges, Imperia takes care of every little detail to ensure a banking experience like no other. HDFC Bank Preferred Banking-: HDFC bank preferred banking is an exclusive banking. Where customers will never again have to wait to be served. With HDFC Bank Preferred Programme, customer comfort always comes first. Ideal for seasoned professionals or businessmen, this programme will provide customers with a banker dedicated to take care of all your banking and investment needs. It also means you get preferential rates on various banking products and other exclusive benefits.

HDFC Bank Classic Banking -: HDFC Bank Classic Banking experience banking beyond the ordinary,. Becoming an HDFC Bank Classic customer entitles customers to a host of benefits, including a bouquet of preferentially priced products and specialized Investment solutions. To ensure that customers make of all these offering , customers are

assigned a PERSONAL BANKER who will be the one point contact for all their banking needs

SIMPLE SAVING ACCOUNTS-: Banking should be effortless. With HDFC Bank, the efforts are rewarding. No matter what a customer's need and occupational status, Whether you're employed in a company and need a simple Savings account or run your own business and require a robust banking partner, HDFC Bank not only has the perfect solution for the customer, but also can recommend products that can augment planning for the future. SAVING MAX-: Savings Max account, loaded with maximum benefits to make customers banking experience a pleasure. By maintaining an average quarterly balance of just Rs. 25,000/-.

Features & Benefits-

FREE GOLD DEBIT CARD Free Payable-at-Par (PAP) chequebook, without any usage charges up to a limit of Rs. 2 lac per month. Self/Third Party Cash Deposit/Withdrawal at non-home branches, up to Rs 50,000/- per day free. Free Net Banking, Phone Banking & Mobile Banking. Optional "Money Maximizer" Insurance benefits up to 1 lac per annum.

SAVING REGULAR ACCOUNT-: An easy-to-operate savings account that allows you to issue cheques, draw Demand Drafts and withdraw cash. Check up on your balances from the comfort of your home or office through Net Banking, Phone Banking and Mobile Banking. . By maintaining an average quarterly balance of just Rs. 10,000/.Need money urgently? Withdraw cash from any of the 4,393 ATM centers spread across the country. Features & Benefits Wide network of branches and over thousand ATMs to meet all your banking needs no matter where you are located. Bank conveniently with facilities like Net Banking and Mobile Banking- check your account balance, pay utility bills or stop cheque payment, through SMS. Avail of facilities like Safe Deposit Locker, Sweep-In and Super Saver facility on your account. Free Payable-at-Par chequebook, without any usage charges up to a limit of Rs.50,000/- per month. Free Insta Alerts for all account holders for lifetime of the account.. Free Passbook facility available at home branch for account holders (individuals). Kids Advantages account -: Children these days are way ahead of their times. Make sure your investments don't fall short. Now through HDFC Bank's Kid's Advantage Account you can ensure your child's secured future and fulfill all his dreams in time. The Kid's Advantage Account presents you a great way to accumulate savings for your child and provide him the head-start required to succeed in life. It's an account which grows with your child to meet his future monetary requirements.

Features & Benefits Free Education Insurance cover of Rs. 1,00,000/ATM/International Debit Card will be issued for children between 7-18 years of age in the child's name with parents permission. Free cash withdrawals on any other Bank's ATM. 1 free personalized cheque book for your child. Free Net Banking for you to monitor your child's account. Free SMS/Email alerts informing you about the account transactions. Once the balance in the Kid's Advantage Account reaches/exceeds Rs. 35,000/-, the amount in excess of Rs. 25,000/- will automatically be transferred into a Fixed Deposit for 1 year 1 day, in your child's name, by signing in for our sweepout facility

SENIOR CITIZENS ACCOUNT-: HDFC Bank appreciates your needs and Endeavours, which is why, HDFC BANK present an account especially dedicated to senior citizens, which like a dutiful child will help you fulfill your needs in the best manner possiblle

Features & Benefits Shop with pride with your Easy Shop International Debit Card. Payable-at-Par (PAP) cheque books are issued free. Avail of free Passbook facility at your account branch. Avail free SMS alerts to know the transactions in your account. Get preferential rates on FDs.

Get Accidental Hospitalization cover of Rs.50,000/- per annum. This is a reimbursement cover for the first applicant. Gold Credit Card free.

RESEARCH METHODOLOGY All the findings and conclusions obtained are based on the survey done in the working area within the time limit. I tried to select the sample representative of the whole group during my job training. I have collected data from people linked with different profession at Pune. 4.1 RESEARCH PLAN: 4.1.1. Preliminary Investigation: In which data on the situation surrounding the problems shall be gathered to arrive at The correct definition of the problem. An understanding of its environment. 4.1.2. Exploratory Study: To determine the approximate area where the problem lies. 4.2 RESEARCH DESIGN: Research was initiated by examining the secondary data to gain insight into the problem. By analyzing the secondary data, the study aim is to explore the short comings of the present system and primary data will help to validate the analysis of secondary data besides on unrevealing the areas which calls for improvement. 4.2.1 DEVELOPING THE RESEARCH PLAN: The data for this research project has been collected through self Administration. Due to time limitation and other constraints direct personal interview method is used. A structured questionnaire was framed as it is less time consuming, generates specific and to the point information, easier to tabulate and interpret. Moreover respondents prefer to give direct answers. In questionnaires open ended and closed ended, both the types of questions has been used. 4.2.2 COLLECTION OF DATA: 1: Secondary Data: It was collected from internal sources. The secondary data was collected on the basis of organizational file, official records, news papers, magazines, management books, preserved information in the companys database and website of the company.

2: Primary data: All the people from different profession were personally visited and interviewed. They were the main source of Primary data. The method of collection of primary data was direct personal interview through a structured questionnaire. 4.3 SAMPLING PLAN: Since it is not possible to study whole universe, it becomes necessary to take sample from the universe to know about its characteristics. Sampling Units: Different professionals Chartered Accountants, Tax Consultants, Lawyers, Business Man, Professionals and House Wives of Pune. Sample Technique: Random Sampling. Research Instrument: Structured Questionnaire. Contact Method: Personal Interview. 4.4 SAMPLE SIZE: My sample size for this project was 200 respondents. Since it was not possible to cover the whole universe in the available time period, it was necessary for me to take a sample size of 200 respondents.

4.5 DATA COLLECTION INSTRUMENT DEVELOPMENT: The mode of collection of data will be based on Survey Method and Field Activity. Primary data collection will base on personal interview. I have prepared the questionnaire according to the necessity of the data to be collected.

DATA ANALYSIS

1. do you have account in HDFC bank OPTIONS (a) YES (b) NO TOTAL NO. OF RESPONDENTS 150 300 450

respondant

33% yes no 67%

INTREPRETRATION

This shows that market penetration of HDFC bank is about 33 %. As the AQB of nationalized and cooperative bank is very low.

2. Your Age
OPTIONS 18-23 Years 35 24-29 Years 60 30-35 Years 30 35 Years and above TOTAL 150 300 75 40 65 Having A/C in HDFC Bank 25 Not Having A/C in HDFC Bank 120

140 120 120 100 80 65 60 40 25 20 0 18 - 23 24 - 29 30 - 35 35 & above 35 40 30 60 75 Having a/c Not having a/c

INTREPRETATION This shows that maximum customer who are having a/c in HDFC bank is of 30 to 35 years of age. The maximum no. customers who dont have a/c in hdfc bank is of 18-23 years of age which is the minimum age group for a/c holder in HDFC.

3. Education Qualification.
OPTIONS Undergraduate Graduate Post graduate TOTAL Having A/C 18 58 74 150 Not having A/C 147 72 81 300

160 140 120 100 80 60 40 20 0 Undergraduate Graduate Post graduate Having a/c Not having a/c

INTREPRETATION

This shows that maximum no. of customer who are having a/c is post graduate, while undergraduate customer is very low in number. Maximum no. of people who dont have a/c in HDFC bank is undergraduate.

4. Marital Status.
OPTIONS Married Single TOTAL Having A/C in HDFC 97 53 150 Not having A/C in HDFC 129 171 300

180 160 140 120 100 80 60 40 20 0 Maried Single Having a/c Not having a/c

INTERPRETATION This shows that maximum customer of HDFC bank is married, while the people who dont having a/c in HDFC bank is single in more number.

5. Number Of years Are You in Pune.

OPTIONS Less than five years More than five years TOTAL Having A/C in HDFC 97 53 150 Not having A/C in HDFC 167 133 300

180 160 140 120 100 80 60 40 20 0 Less than 5 years More than 5 years Having a/c Not having a/c

INTERPRETATION This shows that the maximum no. of customer of HDFC bank is not older than 5 five for pune.

6. What is your Occupation?

OPTIONS Business Profession Private Service Public Service TOTAL Having A/C 63 32 42 13 150 Not having A/C 74 63 66 97 300

100 90 80 70 60 50 40 30 20 10 0 Business Profession Private Service Public Service Having a/c Not having a/c

INTREPRETATION This shows that maximum no. of customer of HDFC is businessman, whil people who works in public sector having lowest share in a/c holders.

7. Your annual household income.

OPTIONS Less than 2 lacks Between 2 to 5 lacks Between 5 to 8 lacks More than 8 lacks TOTAL Having A/C 7 23 51 69 150 Not having A/C 127 83 47 43 300

140 120 100 80 60 40 20 0 Less than 2 lacks Between 2 to 5 Between 5 to 8 lacks lacks More than 8 lacks

Having a/c Not having a/c

INTERPRETETION This shows that the maximum no. of customer of HDFC bank having annual income of more than 8 lacks, the people who have annual income of less than 2 lacks cant maintain the AQB of HDFC bank. As the people who have less than 8 lacks is minimum for not having a/c in HDFC, means HDFC is taping the higher income class people

8. Are you a member of a club/gymkhana?

OPTIONS Yes No TOTAL Having A/C in HDFC 127 23 150 Not having A/C in HDFC 179 121 300

200 180 160 140 120 100 80 60 40 20 0 yes no Having a/c Not having a/c

INTERPRETATION This shows that the people who have a/c in HDFC bank is a member of any club or gymkhana. While the maximum no of people who dont have a/c in HDFC bank is not a member of any club or gymkhana

9. How much do you personally give importance to the business banking relationship?
OPTIONS Highly Very Much So -So Not Much No Importance TOTAL Having A/C 77 33 24 14 2 150 Not having A/C 153 67 49 29 2 300

160 140 120 100 80 60 40 20 0 Highly Very Much So - So Not much No Importance Having a/c Not having a/c

INTERPRETATION This shows that the customer of HDFC bank give highly importance to banking relationship

10. Do you often want to change your bank?

OPTIONS Yes Rarely Depends on Situation Never TOTAL Having A/C in HDFC 24 27 46 53 150 Not having A/C in HDFC 72 63 67 98 300

100 90 80 70 60 50 40 30 20 10 0 yes Rarely Depends on Situation Never Having a/c Not having a/c

INTREPRETATION This shows that customer of HDFC bank rarely want to change their bank,

11. Do you want to open an savings account with HDFC Bank?

OPTIONS Yes No Will Tell Later TOTAL Having A/C in HDFC 150 Not having A/C in HDFC 43 108 149 300

opening a/c with HDFC

14%

Yes 50% No Will Tell Later 36%

INTERPRETATION This shows that 14% people are ready to open a/c in HDFC bank.

12. What is your perception about different products and services offered by HDFC Bank?
OPTIONS Lucrative Not Lucrative No Idea TOTAL Having A/C in HDFC 104 19 27 150 Not having A/C in HDFC 89 92 119 300

120 100 80 Having a/c 60 40 20 0 Lucrative Not Lucrative No Idea Not having a/c

INTERPRETATION This shows that the customer of HDFC bank is satisfied with product of the bank

13. would you like to maintain long-lasting relationship with HDFC Bank?
OPTIONS Yes May be Depends on Situation No TOTAL Having A/C in HDFC 63 27 37 23 150 Not having A/C in HDFC 300

maintaining Relationship with HDFC

15% 42% yes 25% May be Depends on Situation 18% No

INTERPRETATION This shows that alarge no. of HDFC banks customer wan to maintain their relationship for long time

14. Are you satisfied with HDFC Banks services?

OPTIONS Highly Satisfied Satisfied Neutral Dissatisfied Highly Dissatisfied TOTAL Having A/C in HDFC 32 28 47 27 16 150 300 Not having A/C in HDFC -

satisfaction level of customer

11% 21% highly satiafied 18% satisfied neutral 19% dissatisfied highly dissatified 31%

INTERPRETATION

THE QUESTIONNAIRE:
Dear Sir/Madam,

I am a student of INDIRA SCHOOL OF BUSINESS STUDIES, Pune and presently doing a project on MARKET SEGMENTATION AND SELLING OF SAVINGS ACCOUNT . I request you to kindly fill the questionnaire below and I assure you that the data generated shall be kept confidential. Name: .. Address: .. Contact No :( O) (M) City: ...............Pin: .State: . 15. do you have account in HDFC bank
yes no

16. Your Age

18-23 Years 24-29 Years 30-35 Years 35 Years and above

17. Education Qualification.

Undergraduate Graduate Post graduate

18. Marital Status.

Married Single

19. Number Of years Are You in Pune.

Less than five years More than five years

20. Occupation
Business Profession Service

(Please mention below the type of business/profession you are in incase of service please mention your organization name and designation)

21. Your annual household income.

<than 2 lack Between 2 to 5 lack Between 5 to 8 lack >than 8 lack

22. Are you a member of a club/gymkhana?

Yes No

If yes, Name of the club /gymkhana_______________________________________

23. How much do you personally give importance to the business banking relationship?
Highly very much so-so not much

24. Do you often want to change your bank?

never depends on situation rarely yes

25. Do you want to open an savings account with HDFC Bank?

Yes No Will tell later

26. What is your perception about different products and services offered by HDFC Bank?
Lucrative Not lucrative No idea

27. would you like to maintain long-lasting relationship with HDFC Bank?
yes may be depends on situation no

28. Are you satisfied with HDFC Banks services?

Highly satisfied Satisfied partially satisfied not satisfied

Date: Place:

Signature

Thank You