DECLARATION

I hereby declare that the study entitled DIFFERENT SERVICES PROVIDED BY HDFC LIMITED submitted by me in the partial fulfillment of the requirement for the award of Master of Business Finance by DR. I.T GROUP OF is a record of my own work. The matter embodied in this project report has not been submitted to any other University or Institution for the award of degree. INSTITUTE

(SHOWKET ALI)

**************

PREFACE
The project report presented hereby the DIFFERENT SERVICES PROVIDED BY THE HDFC Ltd. The Housing Scenario at a stag when the National Economy is on the road to revival, after reeling under depressive conditions for over the last three years. It is only housing, amidst all these that seems to have kept up fairly stable front. That bad phase crossed, and now there has been a steady revival and stabilization of the market at levels which can be termed as reasonable from the point of view of both the customers and those on the supply side So HDFC LTD was incorporated with a primary objective of meeting housing needs like construction/purchase of residential housing anywhere in India by providing long-term finance to households. Its primary motto is to increase residential housing stock in a systematic and professional manner. HDFC finance for so many necessities like house purchase, construction, improvement etc HDFC has instituted well-defined service standards for both depositors and deposit agents. Much of this success can be attributed to its strong brand image, superior services, security and above all, the significant contribution made by HDFC's deposit agents. HDFC has over 50,000 deposit agents and distributes all its retail savings (deposit) products primarily through this channel. HDFC LTD has also a range of protection, investment, pension and savings plans that assist and nurture dreams apart from providing protection. Customer can choose from a range of products to suit their life-stage and needs. Along with, the report will also be beneficial for the home loan institution (HDFC Ltd.) for it provides the true customer perception, as could be interpreted through the analysis of survey results, about the institution & its housing finance scheme. The following study is a humble effort to understand the above. ************

ii

ACKNOWLEDGEMENT

During the course of studies one has to undergo the training which is considered to be the stepping stone on a move made towards ones Professional career. I express my special thanks to DR. I.T GROUP OF INSTITUTE . I am extremely thankful to Dr Sunanda Mitra Ghosh DR. I.T GROUP OF INSTITUTE for rendering all possible help facilitating my work in the department and all faculty members to provide this opportunity to get familiar with the corporations and learn practically. . I also express my sincere thanks to the Management of HDFC LIMITED, PANTHA CHOWK for giving me an opportunity to gain exposure under the expert guidance of S. S NAWAB (branch Manager).

Last but not the least, I hereby take this opportunity to put on records my sincere thanks to Mr. S.S NAWAB (officer operation) under the light of whose able guidance I could complete my training in an effective and successful manner.

Last but not the least I am also thankful to the rest of the staff for their valuable suggestion and cooperation. With sincere thanks SHOWKET ALI MBA (BF) 3th Semester DR. I.T GROUP OF INSTITUTE

iii

INDEX
Chapter Topic Page Num.

I II III IV V 1. 2. 3. 4. 5. 6. 7. 8.

DECLARATION ACKNOWLEDGEMENT CERTIFICATE INDEX TABLE OF CONTENT Introduction of topic Company Profile Industry Profile Research Methodology Analysis & Interpretations Conclusion & Suggestion Bibliography Annexure

I II III IV V

Contents
PREFACE

iv

ACKNOWLEDGEMENT

Organizational profile
-Housing finance industry-An Overview
-Company detail-HDFC LTD Introduction Present Status Brief Financial Results Service provided by HDFC LTD Feature and benefits of HDFC Aims of HDFC LTD HDFC LTD key strengths SWOT analysis

Objective of the study Research methodology Limitations of the study Topic Introduction
Home loan Fixed deposits Insurance

Data analysis and interpretation Finding and discussion Conclusion Bibliography Annexure
Questionnaire HDFC documents Guidelines while taking a home loan

Graphs and chart

Figure 1 (popularity of HDFC Ltd over the year)..

 Figure 2 (medium of popularity). Figure 3 (familiarities with home loan products). Figure 4 (commonly sold product). Figure 5 (how long you associated with HDFC ltd)... Figure 6 (satisfaction level of customer).... Figure 7 (motives behind opting for HDFC ltd).......................... Figure 8 (formalities done by HDFC). Figure 9 (comparison of the same product from other financial institution). Figure 10 ( type of interest rate preferred).. Figure 11 (attitudes toward HDFC ltd)... Figure 12 ( benefits of insurance perceived by respondents)..... Figure 13 (providing feature of insurance policy that attracted respondents)... Figure 14 (people perception about insurance).. Figure 15 (buying process of the people).. Figure 16 (satisfactions of respondents with respect of policy). Figure 17 (satisfaction of +respondents with respect to service agents). Figure 18 (respondents investment for tax saving). Figure 19(perception about best form of investment for securing future.. Figure 20(peoples perception on appropriate age for buying insurance)..... Figure 21 (what people would look for in insurance company) Figure 22 (the respondents who are having fixed deposits)........ Figure 23 (commonly used product in fixed deposits).. Figure 24 (reason behind the fixed deposits)............. .Figure 25. (satisfaction of respondents with respect to policy) Figure 26(satisfaction of +respondents with respect to service agents)

vi

vii