SUMMER TRAINING PRESENTATION

ON

“ STUDY ANALYSIS OF COMPETETIORS PRODUCT

FEATURES IN LOCAL MARKET”
 DETAILS OF SUMMER TRAINING
1.Organization : HDFC BANK
2. Location: JABALPUR (M.P.)
3. Training Period: 28 June 2010 – 31 July 2010
4. Sample Area: Jabalpur City
5. Study Focus: Retail Banking
6. External Guide : Shri Dhiraj Bharadwaj (Branch
Manager) & Shri Prashant Shukla (Manager, Retail
Dept.)
7. Internal Guide: Shri Yashwant Sir
HDFC DOESN’T MAKES YOU WAIT……
OVERVIEW OF THE ORGANIZATION

1. INTRODUCTION & HISTORY

2. BUSINESS FOCUS
3. BANKING PRODUCTS OFFERED
OVERVIEW OF THE PROJECT
1. Name of the Project: ‘ STUDY ANALYSIS OF COMPETITORS PRODUCT FEATURES IN LOCAL
MARKET’
2. Products Covered:
 SAVINGS ACCOUNT
 CURRENT ACCOUNT
 FIXED DEPODIT RECEIPT
 RETAIL SALE OF GOLD
 LOCKERS FACILITY
 MUTUAL FUNDS
 ONLINE TRADING & DEMAT ACCOUNT
3. Banks Covered:
 HDFC BANK
 Axis Bank
 IDBI Bank
 BOI
 SBI

4. Significance of the Project

5. Learning from the study
RESEARCH METHODLOGY
Research methodology is a systematic way, which consists of
series of action steps, necessary to effectively carry out
research in the desired sequence of the steps. It consists of the
following steps:-

 Formulating the objective of the study

 Designing the methods of data collection
 Selecting the sample plan
 Collecting the data
 Processing and analyzing the data
 Reporting the findings
STEPS OF MY RESEARCH……….

OBJECTIVES OF STUDY

RESEARCH DESIGN

SAMPLE DESIGN

DATA COLLECTION

DATA ANALYSIS & INTERPRETATION

REPORT OF FINDINGS
OBJECTIVES OF THE STUDY
 To study broad comparison of the products offered by different
banks
 To understand the importance of banking sector.
 Strengths and features associated with different products of
banks
 Competitive analysis of different banks
 To study the role of bank in Indian Market.
 Different types of services provided by the banks.
 Though the Indian Banking System is very wide and elaborated,
still the project covers the Products offered in concise manner.
 The study aims at understanding the operations associated with
the various types of Banks, & various methodologies undertaken.
RESEARCH DESIGN
Research design is the conceptual structure within which
research is conducted & which constitutes the blueprint
for collection, measurement & analysis of data.My
Research Design was Descriptive Research Design. It
includes:-

 Sampling Design
 Statistical Design
 Observational Design
 Operational Design
SAMPLING DESIGNS
A Sample Design is a definite plan for obtaining a
sample from a given population. It refers to the
technique or the procedure adopted in selecting items for
the sample. It includes:-

 Types of Universe
 Sampling Unit
 Source List
 Size of Sample
 Parameters of interest
 Budgetary constraints
 Sampling Procedures
DATA COLLECTION
After deciding the research objectives &
designing the research & sample design, the
researcher collects two types of data:-

1. PRIMARY DATA
2. SECONDARY DATA
 CURRENT ACCOUNT
HDFC BANK AXIS BANK IDBI BANK BOI BANK SBI BANK

1. Normal
2. Business 1. Star Benefit
1. Plus CA
Advantage 1. Plus CA CD
2. Trades CA
3. Business 2. Trades CA 2. Normal CDS
3. Premium
Select 3. Premium 3. Super
4. Regular
4. Business 4. Regular Current Plus
5. Flexi CA
Classic CA 5. Flexi CA 4. Star Gold
6. Apex CA 1. SBI
5. Business 6. Apex CA 5. Star
7. Max CA CURRENT
Privilege CA 7. Max CA Diamond CA
8. Max ACCOUNT
6. Channel 8. Max 6. Star
Advantage
One CA Advantage Diamond
9. Max
7. Krishi CA 9. Max Ad. Plus
Advantage.
8. Business Plus CA 7. Star
Plus CA
Global CA 10. RFC CA Diamond
10. RFC CA
9. Club 50 CA Plus
10. CA for Govt.
 SAVINGS ACCOUNT
HDFC BANK AXIS BANK IDBI BANK BOI BANK SBI BANK

1. ZERO
BALANCE SA
1. REGULAR SA 2. KRISHI SA 1. SUPER
2. SAVING 3. EASY ACCESS SAVING
4. PRIME SA 2. SUPER 1. STAR
PLUS
5. CORPORATE SHAKTI SURAKSHA
3. SAVING
6. SALARY 3. JUBILEE 2. ORDINARY
MAX 1. 1.SAVING
7. WOMEN’S PLUS SA 3. NO FRILLS
4. SENIOR BANK
8. PRIORITY SA
CITIZEN A/C 4. KIDS A/C ACCOUNT
BANKING 4. SAVING
5. NO FRILLS 5. ACESS PLUS
9. SENIOR PLUS
6. SALARY A/C 6. CORPORATE 2. 2.SAVING
CITIZEN SCHEME
7. KIDS SA PAYROLL PLUS
10. DEFENCE 5. DIAMOND
8. PENSION SA 7. GALAXY ACCOUNT
SALARY A/C SA
9. FAMILY SA ACCOUNT
11. TRUSTS/NGO 6. POWER
10. KISAN NO A/C
8. SABKA
SALARY SA
FRILLS 12. AZZADI NO ACCOUNT
11. KISAN CLUB FRILLS
13. RFC(D)
14. PENSION SA
 COMPARISON OF SA / CA ACCOUNTS
HDFC BANK AXIS BANK IDBI BANK BOI BANK SBI BANK

VARIABLE VARIABLE
HIGH AQB HIGH AQB LOW AQB
AQB AQB

HIGH NMC HIGH NMC HIGH NMC LOW NMC LOW NMC

HIGH HIGH HIGH LOW LOW

CHARGES CHARGES CHARGES CHARGES CHARGES

EXCELLENT EXCELLENT GOOD INTERMEDIAT GOOD

SERVICES SERVICES SERVICES E SERVICES SERVICES

DOORSTEP DOORSTEP DOCTOR’S FREE ATM

BANKING BANKING ACCOUNT INSURANCE FACILITY

GIFT PLUS REMITTANCE / KIDS DEBIT NO SPECIAL VISHWAYAT

CARD ANNUITY CARD CARD CARDS RA CARD
 FIXED DEPOSIT RECEIPT
HDFC BANK AXIS BANK IDBI BANK BOI BANK SBI BANK

SUPER SAVER REINVESTMENT MONTHLY / DOUBLE BENEFIT DOMESTIC

FACILITY PLANS QUATERLY FDs DEPOSIT TERM DEPOSITS

SWEEP IN AUTOMATIC QUATERLY SHORT TERM REINVESTMENT

FACILITY ROLLOVER INCOME FDs DEPOSIT DEPOSITS

5 YEAR TAX TAX SAVINGS OVERDRAFT FIXED TERM TAX SAVINGS

SAVING PLAN PLAN AGAINST FD DEPOSIT SCHEMES

QUATERLY /
EXCELLENT SWEEP IN
ENCASH 24 MNTHLY SBI MODS
SERVICES FACILITY
DEPOSSITS

NO PENALTY
CHARGED CHARGED NO PENALTY PENALTY
FOR PW

VARIABLE IR VARIABLE IR VARIABLE IR VARIABLE IR VARIABLE IR

 LOCKERS SERVICE
HDFC BANK AXIS BANK BOI BANK SBI BANK

5 LOCKERS 11 LOCKERS 11 LOCKERS 4 LOCKER

CATEGORY CATEGORY CATEGORY CATEGORY

VOL b/w 864 – VOL b/w 800 – VOL b/w 800 – VOL b/w 1000
13824 cu in. 12284 cu in. 10000 cu in – 4000 cu in.

METRO 1250 - METRO 1000 - METROS 900 - METRO 750 –

20000 16500 4200 5000

URBAN 1000 - URBAN 1000 URBAN 725 - URBAN 750 -

15000 16500 2800 5000

SEMI URBAN SEMI URBAN SEMI - URBAN SEMI URBAN

1000 – 11000 750 - 13500 725 - 2800 650 - 4000

RURAL 500 - RURAL 750 -

RURAL 400 - 2800 RURAL 600 - 4000
9000 13500
 RETAIL SALE OF GOLD
HDFC BANK AXIS BANK BOI BANK SBI BANK

1200 BRANCHES 850 BRANCHES 2200 BRANCHES 1100 BRANCHES

RETAIL SALE OF RETAIL SALE OF

MUDRA MOHUR
GOLD GOLD

2.5 to 50 gms 5 gm – 50 gms 4 gm – 50 gms 2 gm – 50 gm

Rectangular / Round / Oval / INGOT Shape /

Coins / Bars
Heart Shaped rectangular Gold Coins

Tampered Tampered Tampered Tampered

Proof certicard Proof certicard Proof certicard Proof certicard
packs packs packs packs

24 Carat Pure 24 Carat Pure 24 Carat Pure 24 Carat Pure

Gold Gold Gold Gold
 MUTUAL FUNDS
HDFC BANK AXIS BANK IDBI BANK SBI

65 SCHEMES 8 SCHEMES 2 SCHEMES 70 SCHEMES

HDFC, Std. Axis Bank IDBI Bank

PFS
SBI
Life Limited

SBI FUND
HDFC AMC AXIS AMC IDBI AM MANAGEMENT
Ltd. Ltd. Ltd. Ltd.

SIP/SWP/STP/
DTP SIP SIP/SWP SIP/SWP

HDFC TOP TRIPLE IDBI LIQUID SBI MAGNUM

200 MF ADVANTAGE FUND CONTRA
LOANS

HOME LOANS PERSONAL

LOANS

EDUCATION
AUTO LOAN
LOAN
DEMAT / ONLINE TRADING ACCOUNT

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MY EXPERIENCE

AND INTERPRETATION