PINDEX

Sr.No. Particular PageNo.

1 Introduction
2 ResearchMethodology
3 0bjective
4 Hypothesis
5 DataCollection
6 DataAnalysis
7 Conclusion
INTRODUCTION
 Type Public

Tradedas NSE :HDFC

BANKBSE :500180
NYSE:HDB(ADS)
BSE SENSEX
ConstituentNSENIFTY50C
onstituent
ISIN INE040A01034

Industry FinancialServices

Founded August1994(28yearsago)

Headquarter Mumbai,Maharashtra,India

AreaServed India
KeyPeople AtanuChakrabotry(chairman)
ShashidharJagdishan(CEO)
Product CreditcardsConsumer
BankingCommercial
BankingFinanceandIns
uranceInvestment
BankingMortgageLoa
nPrivate
BankingPrivateEquity
WealthManagement

Revenue Rs.167,695crore (2022)

OperationIncome Rs.68,798crore (2022)
NetIncome Rs.38,151crore (2022)
TotalAsset Rs.2,122,934 crore(2022)
TotalEquity Rs.246,771crore (2022)
Owner HousingDevelopment
No.ofEmployees 1,41,5579(2022)
Subsidiaries HDFCSecurities
HDBFinancialServices
HDFC (Housing Development Financial Corporation Bank Limited) also known
asHDB is an Indian banking and financial services company headquartered in
Mumbai,Maharashtra. It has 84,325 employees and has a presence in Bahrain, Hong Kong
andDubai.HDFCBankisIndia`slargestprivatesectorlenderby assets.ItisthelargestbankinIndia by
market capitalization as of February 2016. It was ranked 69th in2016 Brandz Top100MostValuable
GlobalBrands.

History
HDFCBankwasincorporatedin 1994asa subsidiaryoftheHousing Development Corporation,withitsregistered office in
MumbaiMaharashtra,India.Its first corporateoffice anda full-servicebranch
atSandozHouse,WorliwereinauguratedbythethenUnion
FinanceMinisterManmohanSingh.Asof30June2022,thebank'sdistribution networkwasat 6,378branches
across3,203cities.Ithasinstalled
430,000POSterminalsandissued23,570,000debit cardsand12millioncredit cardsinFY2017.Ithasabase of
1,52,511permanent employeesas of 30June2022.
Housing Development Finance Corporation Ltd (HDFC) is Indian premier housing finance company. The company
ismain business to provide loans for the purchase or construction of residential houses , As at the end
September2017HDFC`s distribution Network comprised of 439 outlets including 135 offices of HDFC`s distribution
companyHDFC`s sale private limited (HSPL), HDFC cover from an integral part of the distribution Network with home
loandistribution through HSPL HDFC bank and third part direct selling associates. The company also has offices in
Dubai,Landon, and Singapore and services to associates in the middle East region to provide housing loan property
advisoryservicestononresident,constructionof aresidentialunitpurchaseof
landhomeimprovementloanshomeextensionloansnon-residential.
Intheyear1982,thecorporation introducedthelimitofcreditproduct(Loc)foremployeesowned
housing introduced the Home saving plan based on the ‘Bauparkassen’ Model
WestGermany and the step-up repayment facility, In the year 1988 the corporation ltd
(GRUHFinance) Housing promotion and finance corporation ltd, they introduce Telescopic
loanplan and short term Bridging loan produce . In the year 1989 the corporation
introducedtwo new product namely Home Improvement Loans and Home Extentionloan .
In the year1990 the corporation in association with the United Nations centre for human
settlementspromotedthecoalitionofHousingFinance, InstitutionInAsia.
Intheyear1997theyarelaunchedtheretailfixeddepositproductcountrywideconsumerfinancia
l services ltd. For consumer financial in the year 1994 the corporation IntriducedNon
Residential premises loan for individual , In the year 1995 , the corporation made
astrategic alliances with Nat West market (UK) amd promoted the HDFC Bank they made
ajoint venture with LK and FS and colliers Jardine ASIA Pacific Ltd promoted colliers
andMOV with standard Life Assurance CO of UK for life insurance, In the year 1997
thecorporation promoted the first private sector housing finance company namely Delta
BrazHousing finance corporation Ltd in Bangladesh . In the year 1998 the corporation
inpartnership with a South-based NGO launched the India Association for saving and
credit(IASC) a pioneering Micro-finance institution operation in the states of Tamil Nadu
andKerla, also they introduced, home equity loan and corporate employees group ,
financeArrangement . In the year 1999 the corporation invested in a new Housing
financecompany inSriLankantheylaunchedthecorporation.
ProductsandServices
HDFCBankprovidesanumberofproductsandservicesincludingwholesalebanking
, retail banking, treasure, auto loans, two wheeler loans, personal loans,
loansagainstpropertyandcreditcards.
The latest entry in the league is ‘project AI’ , under which HDFC Bank ,
overthenextfewweeks,woulddeployrobotsatselectbankbranches.Theserobotswillofferopti
ons such as cash withdrawal or deposit, forex, fixed deposits and demat
servicesdisplayingonascreentocustomer.

Acquisitions
HDFC Bank merged with Times Bank in February 2000. This was
thefirst merger of two private bank in the New Generation private sector
bankscategory. In 2008, centurion bank was acquired by HDFC Bank Bored
approved
theacquisitionofCBOPfor95.1billionINRinoneofthelargestmergersinthefinancialsect
orin India.
ListingsandShareholding
TheequitysharesofHDFCBankarelistedontheBombayStockExcha
ngeandtheNationalStockExchangeofIndiaitsAmericanDepositorySharesare listed
on NYSE and the global depository receipt are listed on the
LuxembourgStockExchangewheretwoGDRsrepresentoneequityshareofHDFCBank.
Shareholders Shareholding
Promotergroup(HDFC) 21.41%
ForeignInstitutionalInvestors(FII) 31.22%
IndividualShareholders 8.5%
CentralGovernment 7.5%
Generalpublics 8.93%
Mutual funds/NBFC 10.45%
NRI/OCB/Others 6.08%
FinancialInstitution/Banks 2.45%
ADS/GDRs 19.32%
 RESEARCH
METHODOLO
GY
WhatisResearch?
Thechiefresponsibility
ofauniversityistoproduceanddisseminate new knowledge. New
knowledge is created throughresearch. Research is based on primary
and secondary sources.
Oftentogetherwithoriginaldatacollectionviaresearch
“instruments”(survey,interviews,questionnaires,“focusgroups”.Etc.)
toproducenewknowledgeonaparticulartopic.

In addition to primary sources and original

instruments,secondarysourceareusedtoprovideanoverviewofexistingpublis
hedknowledgeonatopic,andpossiblecurrentdebatesaboutthetopic.
Thebackgroundprovidedbysecondarysourcesprovidesacontextualback
ground and establishes how the new knowledge described in
apaperdiffersfromwhatisalready known.
BasicResearch-looksatcauses,effects,andthenatureofthings
AppliedResearch–try’stofindanswersandsolutiontospecificproblem.
Allresearchfocuseson“solvingproblem”–
atminimum,asitconcernFIN-1,
answeringthedefinedresearchquestion(s).Otherwise,
researchaddressestheperceived“problem”ofmissingorinadequateinform
ationtopic.Researchmightbefurthercategorizedasfollow:

• Researchasdescription
• Researchasunderstandingtrendsandoperations
• Researchasexplanation

Theemphasisandmethodologyofresearchmaydifferbetweenfieldanddisiplines
,particularbetweenthesciencesandthehumanities.
However,mostfieldssharethefollowingconcerns:
• Discoveringtherelevant“facts”ofanevent,issue,procedure,orproblem;
• Reviewingandevaluatingcontrastingforthetopicbeingresearched,especiallyexpl
anationswhichmaydifferfromwhatthecurrentresearchhasconcluded;
• Reviewingtheconsensusoftheresearchfindingsamongresearchers;
• Disseminationthefindingsandconclusionsforcriticalreview.
Researchisthemostoftenpublished(inacademicor
professional journals, in online archives, or as a “monograph”) as a
research“paper”, though it may also be presented orally (at least initially) as a
conferenceaddress,orevenin“poster”formatatascholarlyconference.Whenpublishe
dasa“fullresearchpaper”itwillusuallyincludethefollowingscomponents.
TheResearchProcess
The research process is the step-by-step procedure of
developingone’sresearchandresearchpaper.However,onecanseldomprogressinaste
p-by-step fashion as such. Writing a research paper frequently requires
continuous, andsometimes extensive, re-evaluation and revision of both one’s
topic and the way itispresented.
It is often necessary to revise an initial research plan. You
mayneed to add new material, delete extraneous material, or even change the
topiccompletely,dependingonwhatisdiscoveredduringyourresearch.Youmayfindth
at your topic is too broad and needs to be narrowed, or that
sufficientinformationresourcesmaynotbeavailable.Sometimes,whatyoulearnmayn
otsupportthe thesiswithwhichyoubegan.
The research process involves identifying, locating,
assessing,analyzingandthendevelopingandexpressingyourideas.Thesearethesames
killsthat will be needed in the post university “real world” when you produce
reports,proposals or other research for your employer. All of these activities will be
basedon primary and secondary sources from which recommendation or plans
areformulated.
TheoryintheResearchProcess
Advanceacademicresearchisbasedonapplyingexistingtheoryora
workinghypothesistoaresearchproblem.Yetwhatcan“theory”include,andisitrequired
fortheFIN-1paper?
As its simplest , “a theory” is simple a hypothesis (idea) which has
beenvalidated by testing, usually in a form similar to if condition X prevails, then result Y
willoccur.Atheorycanbeoriginalandrelativesimple;itneednotbeUniversalTruthderivedfro
mAristotle.Couldthoughtthat“Swedish–speakingFinnsgetbetterserviceat
stockman’sinHelsinki”bea“theory”?possible.Butitwouldmoreeasilybethoughtofas
onepotentialresearchquestionunderthetheorythatthereisarelationshipbetween
customer service and cultural stereotyping. In other words, “if all other factors are
equal,andonecustomerisSwedish-speakingandotherFinnish–
speaking,wouldthequalityofservicebegreaterorlesserdependingonthelanguagespoken” .
Ifsuchquestionsweretestedandfoundtobetruethiscouldresultina“theory”
on the human variables of customer service in multilingual,
multiculturalinstitutions,marketsor communities.
Variationsonthis“theory”wouldthenberepeatedlytestedinordertoarriv
e at formulation that would be generally valid, together with an identification
offactors thatmightcauseitnotto bevalid.
Qualitative
This type of research methods involve describing in details specific situation
usingresearchtoolslikeinterviews,surveys,andObservations.Itfocusesongatheringofmainlyverbaldat
aratherthanmeasurements.
Descriptive/Quantitative
This type of research methods requires quantifiable data involving numerical
andstatisticalexplanations.Quantitativeanalysishingesonresearchersunderstandingtheassumptionsinheren
t within different statistical models. It generates numerical data or information that can beconverted into
numbers. The presentation of data is through tables containing data in the form ofnumbersandstatistics.
Correlation/RegressionAnalysis
This research methodology involves determining the strength of the
relationshipbetweentwoormorevariables(e-g-
areviolentvideogamescorelatedwithaggressioninchildren).
Quasi-Experimental
Thisresearchinvolvesthecomparisonoftwogroups,onewhichisinfluencedbyanexternal
sourceandanotherwhichisnot.
Experimental
Useofrandomassignmenttoplaceparticipantsintwogroups:anexperimental
Objectives
• Toknowaboutthebankingindustry.
• TostudytheBankingservicesprovidedbyHDFCBankLtd.
• TogetapracticalknowledgeofBankingservice.
• Togetknowledgeaboutdebitcard,creditcard,phone-bankingandnet-
banking.
• Co-
operateswithvariousagricultureandmaketoagriculturedevelo
pment.
• Providelong-termandshort-termloantoagriculturistis.
• Providevariousfinanceschemeateveryyeartodifferentcustomer.
Hypothesis
• HDFCbankprovidescroploaninbetterrate.
• DocumentsofHDFCbankcroploanareminimumascom
paretootherbank.
• FarmersaresatisfiedwithcroploanpolicyofHDFCban
k.
DataCollection
DataCollection:
Forthesuccessofanyproject,accurateandrelevantdat
aisveryimportantandnecessary.
Incorrectdataintheprojectreducestheimportance
oftheproject.
Datacollectioncanbeclassifiedintotwomethod.
1. PRIMARYDATA:-
Data collection by a researcher is known as
primarydata.Themethoduseforthecollectionofthedatamaybrformoneo
fthe method.
• SurveyMethod:-
Surveysprovidedanimportantsourceofbasicscientific
knowledge.
• ObservationMethod :-
Itisoneofthemostcommonly usedmethodespeciallyinstudiesrelateda
behavioral science. All the observation are not authentic. Observation become
ascientific tool and method of data collection for the researcher when it
servesformulated research purpose its systematically planed, recorded and is subjected
tocheckandcontrolsonvalidityandreliability.
SourcesofPrimaryData:
i. InterviewMethod
a) DepthInterviews
b) MailInterviews
c) TelephoneInterviews
d) FocusGroupInterviews
ii. QuestionnaireMethod:
Ithelpstorecognizethetest,preferencesandperceptionsofvario
us people so that the marketers may be able to formulate his future
peopleandhisfuturemarketstrategiesregardingsalespromotionandpriceetc.
TypesofQuestions:
Therearetwomaintypesofquestionswhicharemostlyuseinmarketsurvey.

A. OpenEndedQuestions:
Openendedquestionscallforaresponseofmorethanafewwords.Inopen
endedquestions,respondentarefreetoexpresstheirviews,ideasintheirownwords.
B. ClosedEndedQuestions:
Closedendedquestionsarethosewhichcanbeanswerdinonewordi.e.yesorNot
hereareonlytwochoicesofanswerforrespondent.ArespondentmayanswereitherYesorNo .

2)SECONDARYDATA:
Thesecondarydatawillbecollectedfromthefollowing.
a) TechnicaljournalandTradeJournalofBank.
b) Books,MagazinesandNewspapers.
c) PublishedrecordsandstatisticalpublishedbyBank.
DataAnalysis
Croploan:
AgricultureisthelargestindustryinIndia.Itplaysavitalrole inthe
economic development of the country. Over 70% of Indian households depend
onagriculturefortheirlivelihood.In2017-
2018,totalfoodgainproductionofthecountrystoodat275 milliontones.
Crop loans are a type of short-term advance offered pre-dominantly
byprimary co-operative societies within the area, to cover the cost of cultivation. It can
beusedforpurchaseofqualityseeds,fertilizers,manure,etc.thisloancanberepaidoncethecrops
have beenharvested.
FactorAffectingCropProduction:
Factoraffectingcropproductionareoftwotypes:
1. InternalFactor:
Itisrelatedtothegeneticstructureofplantsandarelessaffectedby
environmentalfactors.Itincludes:
• Chemicalcompositionofgrain
• Qualityofgrains
• Earlymaturity
2. TheexternalFactorInclude:
• Edaphic
• Physiographicandsocio-economicfactors.
• Climate
• Biotic.
FeaturesofaCropLoan:
• Basedonthetypeofcropbeingcultivatedandtheareaundercultivation.
• Highvaluecropcangethigherloanamount.
• Encouragesmodernizationandadoptionoflatesttechnologicaladvancementsinagri
culture.
• Disbursementisintheformofoverdraftfacility.
UsesofCropLoan:
• Tomeetshort-termcreditrequirementsofcultivationofcrops
• Post-harvestexpenses
• Producemarketloan.
EligibilityofCropLoan:
• Farmer–individuallyorjointly.
• Tenantfarmers,farmlandlesseeandsharecroppers.
• SelfHelpGroupandJointLiabilityGroupofFarmers.
• AgeGroup-18-70years.
TechnicalFeasibility:
a) Thesoilandclimateshouldbesuitablefortheagriculturesproposedtobegrown.
b) Adequateirrigationfacilitiesshouldexistwherevernecessary.
c) Requisiteinputssuchasseeds,fertilizers,etc.shouldbeeasilyavailable.
d) Storage,processing,transportationandmarketingfacilitiesshouldbeavailable
accordingtotherequirementstotheagricultures.
CropInsurance:
NationalAgricultureInsuranceScheme(NAIS)isimplementedfromkharif200
0seasonwithanobjectivetoprovideameasureoffinancialsupporttothefarmerinthe event of
crop loss due to any calamity to restore the credit eligibility for the
nextseasonandtostabilizefarmincomes.
 EMIAmountCalculation

Loan Amount Monthly EMI Payout (Rs.)

(Rs.) and Interest Rate
1-year loan tenure 2-year loan tenure

Rs. 4 Lakh @ 10% 35,166 18,457

Rs. 5 Lakh @9% 43,725 22,842

Rs. 7 Lakh @12% 62,194 32,951

QUESTIONAIRE:
1) AGE:
a) 18-25
b) 26-35
c) 36-50
d) Above50
2) GENDER:
a) Male
b) Female
3) QUALIFICATION:
a) 10th0rbelow
b) 10+2orbelow
c) Graduate
d) PostGraduateandabove
4) OCCUPATION :
a) Farmer
b) Employee
c) BusinessMan
d) Other
5) ANNUALINCOME:
a) Below20000
b) 2000-50000
c) 50000-100000
d) Above100000
6) YOURFARMIS:
a) Owned
b) Leased
c) ShareAgriculture
7) FARMINACRES:
a) Below10acres
b) 10to25acres
c) 25to50acres
d) Above50acres
8) TOTALAREAOFCULTIVATION:
a) Below10acres
b) 10to25acres
c) 25to50acres
d) Above50acres
Conclusion
Conclusion
Therearenumerousloanproductsspeciallydevisedfortheagri
cultural sector in India. Crop loans are a vital part of agriculturalfinance
system. It facilitates the farmer to continue and takeadvantages of
seasonal elements that are essential in farming. Kisancredit card allows
farmers to use it for their household expenses toowhich essential
serves as their income while they are waiting for theharvest.
BIBLIOGRAPHY
 BIBLIOGRAPHY

NEWSPAPER

 Times Of India

 Financial Express
WEBSITES

 www.hdfcbank.com

 www.google.com