SUMMER INTERNSHIP PROJECT:

“DIGITAL INITIATIVES IN RETAIL BRANCH BANKING”

UNDERTAKEN AT
HDFC BANK LIMITED, KARAN MARKET JAMMU

SUBMITTED IN PARTIAL FULFILMENT OF REQUIREMENTS

FOR
MASTER OF BUSINESS ADMINISTRATION (MBA)
SESSION 2016-2018

SUBMITTED BY:
SHRUTI MAHAJAN
58-MBA-16
THE BUSINESS SCHOOL
UNIVERSITY OF JAMMU
 ACKNOWLEDGEMENT

I wish to express my gratitude to HDFC BANK for giving me an opportunity to be a part of

their esteemed organization and enhance my knowledge by granting permission to do summer
training project under their guidance.

I am deeply indebted to my guide, Mr. KAMAL DEV SINGH MANHAS, Branch Manager,
HDFC Bank, for his valuable and enlightened guidance. He provided me with the opportunity to
learn in the bank and spared his valuable time to help me. My special thanks to Ms. NEHARIKA
BHAT, for providing great support and help whenever was required.

A special thanks to my faculty guide, Prof. ALKA SHARMA for being the chief
facilitator of this project and helped me enhance my knowledge in the field of banking sector.

This project has been possible due to the support of several wonderful individuals. I would like
to thank many unknown individuals, with whom I interacted. All of them with their due
cooperation and motivation made the completion of this project successful. I would like to thank
them all.

Last but not the least I am highly obliged to my friends and colleagues for their help and support.
The learning during the project was immense and valuable.

Regards,
SHRUTI MAHAJAN
58-MBA-16
 PREFACE

Master of Business Administration (M.B.A.) program is one of the most reputed professional
courses in the field of management. This course includes both theory and its applications as per
contents of its curriculum. Summer Training project report is an integral part of Master of
Business Administration program of The Business School, Jammu University. It gives
exposure to our practical knowledge and also to get interact with the various aspects of present
market conditions. Each student is required to undergo practical training, after the completion
of second semester examination.

The Training project programs are designed to give the managers the future of the corporate
happenings and work culture. The real life situation is really different from the stimulated
exercise enacted in an artificial environment inside. The Training project programs are
designed, so that the managers of tomorrow do not feel when the time comes to take
responsibilities.

This project report attempts to bring under one cover the entire hard work and dedication put in
by me in the completion of the project work on digitization in HDFC BANK. I have expressed
my experiences in my own simple way. I hope who goes through it will find it interesting and
worth reading. All constructive feedback is cordially invited.
 DECLARATION

I hereby declare that the Project report titled

“DIGITAL INITIATIVES IN RETAIL BRANCH BANKING”
is my original work and has not been published or submitted for any degree, diploma or other
similar titles elsewhere. This has been undertaken for the purpose of partial fulfillment of
MANAGEMENT OF BUSINESS ADMINISTRATION at The Business School, University of
Jammu.

Date: August 1, 2017

Place: Jammu SHRUTI MAHAJAN

 TABLE OF CONTENTS

S.no Topic Page no.

1. Introduction to HDFC Bank 1
2. Product Portfolio 20
3. About Project 45
4. Research Methodology 60
5. Data Analysis & Interpretation 64
6. Findings 78
7. Limitations 80
8. Recommendations 82
9. SWOT Analysis 84
10. Bibliography 87
11. Annexure 89