UNIVERSITY OF LUCKNOW

DEPARTMENT OF BUSINESS ADMINISTRATION

Service And Relationship Marketing Assignment

Prepared By: Shivam Yadav

MBA (Sem-4) (2019-2021 Batch)
190012135149

Submitted To: Dr. Ritu Narang

 HDFC BANK

Analysis Of Its Core Product, Supplementary

Services, Positioning, Branding And
Delivery/Distribution Process.
 BANKING SERVICES

HDFC BANK

BANKING

 A Bank is financial institution.

 Act as an agent.
 Banks are important factors in financial market.
 Development of central banking started from
London.
 Establishment of world bank in 1944.
 Establishment of RBI in 1935.
 Headquarter of RBI in Mumbai.
 LOGO of Indian currency is
 HDFC BANK

Housing Development Finance Corporation Limited (HDFC).

HDFC The bank was incorporated in August 1994 in the name of

'HDFC Bank Limited', with its registered office in Mumbai, India.

Received an 'in principle' approval from the Reserve Bank of

India (RBI) to set up a bank in the private sector.

HDFC Bank commenced operations as a Scheduled Commercial

Bank in January 1995.

Listed in NSE,BSE
 BUSINESS STRATEGIES

Increasing market share in India's

expanding banking.

Delivering high quality customer service.

Delivering more products to more customer.

Develop innovative products and services.

CORE PRODUCTS
 DEPOSIT ACCOUNT

SAVING ACCOUNT
HDFC Bank offers 11 types of savings accounts to serve
the financial needs of students, entrepreneurs, salaried
employees, or senior citizens. From regular to premium
savings account, one can manage the money efficiently.

CURRENT ACCOUNT
HDFC Bank offers 18 types of current accounts to serve
the needs of different businesses. Current accounts largely
deal with liquid deposits does not limit the number of
transactions in a day and easily allows for the withdrawal of
funds.
 LOAN

HOME LOAN
HDFC Bank offers 3 types of home loans for its customers at attractive
interest rates. Customers can opt for automated repayment and the
EMIs will be directly repaid from HDFC Bank Savings Account.
Home loans for individual to purchase or construct houses.

PERSONAL LOAN
HDFC Bank offers a personal loan to its customers at attractive interest
rates, low processing fees, & simplified documentation. Customers can
also avail pre-approved loan in 10 seconds and others can get a loan in
4 hours.

LOAN AGAINST PROPERTY(LAP)

HDFC Bank customers can pledge their property to meet the personal
or business goals with 4 types of loan against property. Customers can
get up to 65% of one’s property’s value, attractive interest rates, and
hassle-free processing.
CAR LOAN
HDFC Bank helps to finance the dream of buying a new car for its customers
with up to 100% funding. Customers can opt for 3 types of car loans as per
their requirement with 7 year loan tenure, quick disbursal, and processing.

EDUCATION LOAN
HDFC Bank offers 3 types of education loan to its customers studying across
leading institutions in India & overseas to fulfill their career goals & aspirations.
Customers can also avail tax benefits u/s 80 (E) of Income Tax Act, 1961.

GOLD LOAN
HDFC Bank offers gold loan with a minimum loan amount of Rs. 25,000 to its
customers at a flexible interest rate, minimal documentation & secure storage.
Customers can get the funds instantly & repay at their own convenience.

BUSINESS LOAN
HDFC Bank offers business loan to its customers of up to Rs. 50 lakh to fulfill
their unique business. It comes with easy documentation, attractive interest
rates, overdraft facility, and flexible tenures.
 INVESTMENT
FIXED DEPOSITS
HDFC Bank offers fixed deposit schemes with high returns
to its customers for investing money. It also provides
preferential interest rates (0.50% additional) to senior
citizens.

RECURRENT DEPOSITS
HDFC Bank offers a recurring deposit with a minimum
deposit as small as Rs. 1,000 or up to Rs. 14.99 per month
and with a minimum tenure of 6 months up to a maximum
tenure of 10 years.
 BANKING

BALANCE ENQUIRY
HDFC Bank account holders can check their account balance via
Netbanking, Mobile Banking, Missed Call, SMS, Passbook, ATM &
Customer Care Number.

MINI STATEMENT
HDFC Bank customers can avail their mini statement using Net Banking,
Phone Banking, SMS, Passbook, ATM and also by contacting the 24X7
customer care number.

NET BANKING
HDFC Bank customers can avail Net Banking using which they can check
their account balance, book fixed & recurring deposits, transfer funds,
download bank statement up to 5 years, etc.

CUSTOMER CARE
HDFC customers can contact the bank’s customer care executives via
SMS, E-mails, 24×7 available customer care number in case of any
queries, account-related questions, feedback, etc.
 CARDS

CREDIT CARD
HDFC Bank offers various types of credit cards to fulfill the needs of
its customers. The card offers attractive reward points, exclusive
travel benefits, dining privileges, and many more.

Credit Card can be used for all your requirements, be it shopping,

eating out, holidaying, fuelling up your vehicle, railway ticket
reservations - just about any financial requirement, planned

DEBIT CARD
HDFC Bank offers a wide range of debit cards to cater to the needs of
its customers. The cards provide various offers, discounts, and
cashback on shopping, traveling, dining, etc.
 OTHER SERVICES BY HDFC BANK

Travellers Cheques : Travellers Cheques are a safe and

easy way to protect your money when you travel. You can
encash them only when you need to, and only against your
signature, unlike cash which can be stolen and misused by
anybody, immediately.

Personal Loans : The procedure of personal loan is

simple, documentation is minimal and approval is quick.

Foreign Currency Cash : Foreign Currency Cash is a

convenient way of meeting personal expenses along your
journey, paying for taxis / internal travel, food expenses
etc.
Foreign Currency Demand Drafts : Demand Drafts
are issued in seven currencies like United States
Dollars (USD), Great Britain Pounds (GBP), EURO,
Japanese Yen (JPY), Australian Dollars (AUD),
Canadian dollars (CAD) and New Zealand Dollars
(NZD).

Foreign Currency Cheque Deposits : We can

directly deposit our foreign currency cheques in to
our saving or current account.

Remittances : HDFC Bank offers the remittance

facilities by which we can send and receive money to
anyone. They are categorized depending on location
and the urgency with which we want the money
transferred..
Trade Service : HDFC Bank have people with high
level of expertise and experience in trade services to
provide services to suit specific requirements and
structure solutions for business needs. HDFC Bank
have 500 branches for trade services.

Mutual funds : Mutual funds are funds that pool the

money of several investors to invest in equity or debt
markets.

Insurance : HDFC Bank offers a world of choice in

insurance. Like children future plans, retirements
plans, standard life, etc.
 POSITIONING STRATEGY

HDFC Bank has positioned itself as a bank which gives higher

standard of services through product innovation for the diverse
need of individual & corporate clients. So they want to highlight
following points in their positioning segment :

 Customer centric
 Service oriented
 Product innovation
 Place oriented
 A new Home
 Marketing & Branding Strategy

• creating product awareness, enhancing

`usage.

• send personalized mailers about our

`various products

• contact with during these mass

`promotions
HDFC Bank launches co-branded credit cards
of Diners Club International (Sep 25,2012)

The tie-up marks the comeback for Diners Club credit

cards in India

An exclusive range of cards

HDFC Bank Diners Club Black

HDFC Bank Diners Club Premium

HDFC Bank Diners Club Rewardz

Marketing strategies of HDFC Bank:
• Distribution
• Choice of channels for services
• Modern technology
• Maintain public relationship
• Internet services
• Advertising
• Strong marketing position
• Personal banking for the customers
• Focus on Relationship banking
• Bank tries to establish a customer relationship
management in almost every branch.
• Customer centric technologies
Media Based Marketing
Marketing campaigns launched by HDFC
bank:

HDFC Bank has launched neighbourhood marketing initiatives in tier-two cities and towns to create awareness
about its various products and services.

These initiatives are especially targeted at those consumers who are not aware about the bank's various value-
added services such as direct banking facilities.

These campaigns demonstrated the advantages of net banking and mobile banking, as these concepts are
relatively new to people living in smaller towns and cities.

The bank has also launched another initiative called “Business Ki Baten”, which is targeted at areas where
the bulk of the population comprises small businessmen.

Advertisement Through various Deals on Social Networking Sites.

HDFC bank has invested in many cross‐ selling activities.

HDFC strategy has been not only the acquisition of new customers but at creating product awareness,
enhancing usage and also providing value‐added services to customers to reward them for their faith and
loyalty.

HDFC also sends personalized mailers about their various products to the data base which they acquire. HDFC
tries to sell itself as one stop financial super market.
 Distribution Network

HDFC Bank is headquartered in Mumbai. As of September 30, 2019, the Bank's

distribution network was at 5,314 branches across 2,768 cities.

All branches are linked online on a real-time basis.

Customers across India are also serviced through multiple delivery channels such as
Phone Banking, Net Banking, Mobile Banking, and SMS based banking.

The Bank's expansion plans take into account the need to have a presence in all
major industrial and commercial centers, where its corporate customers are located,
as well as the need to build a strong retail customer base for both deposits and loan
products.

The Bank also has a network of 13,514 ATMs across India. HDFC Bank's ATM
network can be accessed by all domestic and international Visa / MasterCard, Visa
Electron / Maestro, Plus / Cirrus and American Express Credit / Charge cardholders.
 REFERENCES
https://www.hdfcbank.com/

https://www.google.com/

https://v1.hdfcbank.com/aboutus/general/default.htm

https://en.wikipedia.org/wiki/HDFC_Bank#History

https://www.hdfcsales.com/product
THANK YOU