HDFC BANK

INVESTMENT VS SAVINGS RISK AND OPPORTUNITIES

 PDIT COLLEGE HOSPET
                                       

                                                               Department of MBA

                                                           Internship study at HDFC Bank, Hospet
                                       Topic chosen : Investment vs Savings risk and opportunities
                                                                          Submitted by 
                                                                 Ms. Mumtaz Imtiaz B
USN : 3PG19MBA32

  
                                                                  Under the guidance of  
                                                                  Mr. Siddalingeshwar K
CONTENTS
 Company Profile
 Topic chosen of the study
 Statement of the study
 Need of the study
 Scope of the study
 Methodology Adopted
 SWOT Analysis
 Data Analysis
 Findings
 Suggestions
 Conclusion
COMPANY PROFILE

• HDFC Bank was founded in August 1994

• Founder : Hasmukhbhai Parekh
• Chairman : Mr. Atanu Chakraborty
• 5653 branches across India
• 16,291 ATM's
• Service and products : Retail banking, Personal loans, CD loans, LAP & LAS, Trade service, Two-wheeler financing
along with this are Payzapp and SmartBuy.
• Competencies : Customer focus, Operational Excellence, Product Leadership, People and Sustainability.
VISION & MISSION 

 VISION

• To be the premier financial partner in ensuring sustainable housing and living standards
• Operational excellence

  MISSION

• To be the preferred provider of banking services for target retail and wholesale customer
• To our investors, our central aim is to enhance returns
• To achieve healthy growth in profitability for the betterment of the customers
• Best practices in terms of product offerings, technology, service levels, risk management and audit & compliance
TOPIC : INVESTMENTS VS SAVINGS RISK & OPPORTUNITIES 

 Statement of the problem

 To know that how people frequently change investment

 To know what rate of return on investment customers are expecting

 To study the objective of investment

 Need of the study

In many countries postal saving have long enable provision of financial services to all segments, mainly to rural community and the
urban to mobilize saving for asset in development. The postal department aims in promoting the saving habit among the common public.
HDFC BANK

 Objectives of the study

 To offer entire spectrum of investment banking services to its clients

 To provide comprehensive strategic advisory services and capital raising solutions

 Cross selling is the main objective of HDFC Bank

 To understand the most preferred investment opportunity of the salaried workers in the firm.

 Scope of the study

 The scope of this internship is to identify the best suitability among the Savings and the Investment

 Also about some of the insights into the existing services provided by the bank and actual service quality of the bank
HDFC BANK

 Research Methodology :

 Primary data

 Secondary data

 Research Design :

 The research design is exploratory for the identification of service quality focusing towards investment and savings

 Descriptive research is all about the data and characteristics about phenomenon being studied

 Research Sampling :

 Sample units : Customers of HDFC Bank

 Sample technique : Random sampling

 Research instrument : Structured questionnaire

SWOT ANALYSIS

 STRENGTHS

 HDFC Bank operates in 1,174 urban zoned throughout India, with over 800 locations to service customers through
telephone banking.
 While compare to private banks, HDFC Bank has a high level of customer connection

 HDFC has a low damaging intensity and is most likely the strongest operating place in the private cash based district.

 WEAKNESSES

 HDFC bank doesn't have strong proximity in rural regions, whereas ICICI bank is prompt rival is developing in country
showcase.
 HDFC can't value starting transporter advantage in a long time. State people are tough conflicting to the extent
banking organization.
SWOT ANALYSIS

 OPPORTUNITIES

 HDFC has generally excellent open doors in overseas.

 The association in enormous & SME are ascending at quick speed.

 Greater extension for acquisition and vital partnership because of solid money related position.

 Since HDFC has stronger asset quality metrics than government banks, profit growth is expected to be higher.

 As opposed to government banks, HDFC bank has strengthened its bad debt portfolio and the recovery of bad debt is
strong.
SWOT ANALYSIS

 THREATS

 NPA at HDFC bank increased from 0.18% to 0.20%. and if it's a little difference, it's not a positive indication for the
bank's financial wellbeing.
 In India, non-banking finance firms and new banks are having an increasing influence.

 The HDFC bank cannot afford to gain a larger share of the market because ICICI poses a big challenge and risk.

 Government banks are attempting to modernize in order to cope with private sector banks.

 RBI has opened up nearly 74%  of the Indian economy to international banks.

 The administration banks are attempting to update rival confidential banks.

DATA ANALYSIS

40
80
67 30
60
20
40 31 10
26
20 12 0
Long term Medium Short term Others
1 2
0 term
internet ADS Others
Responded Percentage

responded percentage
DATA ANALYSIS

50
50 39
42 40
40 30 25 25
30 23 20 15
21 10 10 11
20 16 10 4
9 12
10 8 0
5 Returns Safety Liquidity Low Risk
0 Respondses Percentage
10% 15% 5% 20%
Responded Percentage
FINDINGS

According to report 67 % of employees got information through internet, 21% of employees got information through Ads.

From the study I found that 38% of employees prefer to invest in long term investment, 25% of employees in medium and 18% of

employees invest in short term.

From the study I found that 42% responses 10% of return in investment, 23% expecting for 15% return, and 12% expecting for

20% return.

From the study I found that 39% of responded for return is the main objective, 25% of responded for safety & liquidity and 11%

responded for low risk.

SUGGESTIONS

 Customers attention would shift to higher-yielding investments.

 Customers should structure their financial portfolio so that their return minimized or increased.

 Employees should weight other factors such as their portfolio, growth rate, and so on before structuring their portfolio.

 Price movements in the market can be evaluated so that sufficient investments can be made.

 Customers should invest in both short term and long term stocks to increase the yield on their portfolio.

 Employees would be able to get further feedback from the company, allowing them to make more informed financial
decisions.
   LEARNING EXPERIENCE