Chapter;-4 Major Findings of the Study

From the survey so conducted it is possible for us to give clear picture of survey finding HDFC Banking.  It is clear from the survey that HDFC, a leading bank has a good opinion about banking and other general services from customers are good and satisfactory.  Most of the customers have availed of ATM facilities of HDFC.  HDFC provide the satisfactory service compare to other banks service  HDFC provide the good service of E-banking, but it unable to provide the excellent service to customer.

Suggestions
 Proper Knowledge Some people are facing shortage of knowledge banking. There should be some sound steps taken to improve their knowledge through some guidelines.  More Advertisements The information about HDFC banking operation is very less in village area. They are having lack of knowledge regarding banking. So this problem can be solved through advertisements and steps should be taken to advertise at local and village level.  Fear Should Be Removed Some customers have fear in transaction through E-banking. It is due to lack of knowledge. The bank should give adequate knowledge to them about its operation

 Customer Relationship It should be developing the customer relationship, and the bank must co-operate with customers.  Delay in ATM Card Issue Should Be Avoid There is a time gap between the issues of ATM cards. Banks should issue ATM cards as early as possible.  Extension of Cash Withdrawals Limit The aim of ATM is to make easily available of cash to customers. Therefore cash withdrawal limit is to be extended. The limit for cash withdrawal per day should be increased and statements about full day transactions should be made available.  Proper Risk Management There should be due care taken towards that, security to deposits should be made and customers are to be taken to in the confidence by a more tangible approach in marketing of services.  Amendments Government should create some more amendments in information Technology towards banking operation.  Others Experienced Personalities should be designated to develop and implement electronic banking services. Arrange training programmes for the employees to make them more efficient for providing services through e-channels.

Conclusion
Banking business has been pulse of economy. In general and also in business it has evolved through lot of improvements. It has widened its services from its traditional areas to most modern areas like banking, ATM computerization, single window system etc. HDFC, a leading bank, has been improving day by day and introducing new technology. Banks flourish only when their activities are customer oriented and are in order to achieve 100% customer satisfaction. But HDFC achieved 70% customer satisfaction in its services. But rest 20% has not been possible still today. It may possible in future. If the bank adopts all the suggestion (mentioned) then only it can achieve full customer satisfaction and HDFC can stand always as a leading bank of our country and achieve its development and also become a major partner in development of our country.