Professional Documents
Culture Documents
6he objective is to build sound customer franchises across distinct
business
3) Product Leadership
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6o study the Banking Services activities at
HDFC
V Availability of data (primary and
secondary)
V Changing trend of Customer requirements
V Changing and unstable market trends
V Changing company approaches and policies
|
1) Z- test 2) Standard Deviation
2) Mean
m m
HDFC Bank has a wide network of more than 531
branches in the country spread across over 228
locations across the country. It can provide a trust
with solutions for collections of donations.
d 6he Finance (No. 2) Act, 2004 has given power to the Commissioner
to cancel the registration of the trust by an order in writing or are
not being carried out in accordance with the objects of the trust. if
he is satisfied that the activities of trust are not genuine
V m
Charitable trusts cannot make investments in any kind of
bonds or securities; they have certain rules while making
their investments.
V Investment in any security for money created and issued
by the Central Government or a State Government
V Investment in debentures issued by, or on behalf of, any
company or corporation both the principal
V Investment in immovable property
V Investment or deposit in any public sector company,
deposits with or investment in any bonds issued by a
financial corporation
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1) 8%RBI Bonds
V 6hese bonds are government taxable bonds issued
by the HDFC Bank.
V Since charitable trusts are exempted from paying
tax, they do not have to pay taxes on these bonds.
V 6hey are risk free bonds with a maturity period of
6 years. 6he interest is payable half yearly
2) Fixed Deposits
3) Investment in Public Sector Undertaking (PSU)
Bonds
VÊ 6m
HDFC Bank can offer fee collection facilities for
colleges, educational institutions / trusts. A daily pick
up would be arranged from the college, educational
institution / trust premises to pick up the cash /
cheques collected as fees. 6he same would be
deposited into its HDFC Bank a/c
V |ô 6 6m
HDFC Bank is today offering various payment solutions
and it extends the same to various trusts and
institutions.
HDFC Bank has its branches in over 231 locations
across the country covering most of the metros and
mini-metros.
1) Payable at par cheques
2) Bulk Demand Draft / Cheque writing facilities
3) Electronic Funds 6ransfer (EF6)
V 6he EF6 system presently covers 15 RBI centres (viz,
Ahmedabad, Bangalore, Bhubneshwar, Kolkata,
Chandigarh, Chennai, Guwahati, Hyderabad, Jaipur,
Kanpur, Mumbai, Nagpur, New Delhi, Patna and
6hiruvananthpuram).
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©Higher interests on its savings,
©6he money not only stays secure but also
accumulates good interest over the period of
deposit. Partial withdrawal from the Fixed
Deposits before the date of maturity can bail
out in times of need.
©An initial deposit of Rs. 10,000/- is required to
open a Fixed Deposit. Add - ons are at a
minimum of Rs.5, 000/-
6he following can apply for a regular fixed deposit:
V Resident individuals
V Hindu undivided families
V Sole proprietorship firms
V Partnership firms
V Limited companies
V 6rust accounts
ô ô m
Cash Management is the stewardship or proper use
of an entityǯs cash resources. It serves as the means
to keep an organisation functioning by making the
best use of cash or liquid resources of the
organisation.
Cash Management helps the organisation in:
V Eliminating idle cash balances
V Monitoring exposure and reducing risks
V Ensuring timely deposit of collections
V Properly timing the disbursements
m
V Lower Interests Costs
V Improve Liquidity
V Better Accounting and Reconciliations
V Achieve Overall Operational Excellence
V Interconnectivity
V Centralized service desk
ô m
HDFC Bank can structure a number of Payment products
to suit various needs of trusts / association
V Payable at par cheques
V At par facility for statutory payments
V Pay Quick
V ECS Credit and Debit
V Electronic Funds 6ransfer
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Employees to whom the Employee's Provident
Fund and Miscellaneous Provision Act,1952
applies, have a Statutory liability to subscribe to
Employee's Deposit Linked Insurance Scheme,
1976.
V
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PERFORM 6HE BANKING AC6IVI6IES
| |6
50%
50%
40%
30%
20%
20% 15%
10% 5% 5% 5%
0%
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45%
45%
40%
35%
30% 20%
25% 15% 15%
20%
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10%
0%
5%
0%
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3 33
35 27
3
25
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15
1 5
2 2
5
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25% 25%
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5%
0%
RESEARCH FEA6URES OF A HOME LOAN OR
CREDI6 CARD
25% 25% 25%
20%
15% 16%
14%
15%
10%
5%
5%
0%
Branch 6elephone Online A6M Mail Other
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50.00% 45.50%
40.00%
30.00%
25%
20%
15%
25%
20%
10%
15% 15%
10% 10%
5%
5%
0%
Poor physical Poor access to Poor access to Unable to access 6he information Rude, inpatient Difficulty
access to branch teller counter private meeting information in provided was or patronizing communicating
entry room appropriate difficult to customer service with branch staff
format understand
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25%
20%
15%
25%
10%
15% 15%
10% 10%
5%
5%
0%
Difficulty Difficulty choosing Difficulty Difficulty making Difficulty hearing Rude, inpatient or
understanding automated options understanding call yourself information patronizing
automated options centre staff understood to call customer service
centre staff
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)
35%
27.50%
10%
8%
5% 5% 5%
2.50% 2%
Difficulty Color contrast 6ext too small Menus Unable to Site not Site too 6oo many Other -
finding difficult to see and not able difficult to navigate site accessible cluttered with automated
information to be enlarged understand using mouse with screen images or pop-ups
only reading other design
software features
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30%
30%
25%
20%
18%
20%
15%
15%
10%
5% 5%
5%
5% 2%
0%
Unable to Difficulty Difficulty Difficulty No Braille No audio Difficulty Other -
physically reaching A6M reading A6M reading A6M option option reaching cash
access A6M - keypad screen keypad available on available or receipt from
inaccessible keypad A6M
footpath/area
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120%
Having a sign language
100% 35% interpreter available in
19% branches
20% Ensuring signage is
80% 15%
accessible, in large print
35%
60% 25% with high color contrast
23%
Ensuring all information
40% 10% is available in a range of
16% 27% 28%
15% formats
10% 45% Ensuring all A6Ms have
20% 10%
12% 20% 20% Braille keypads and/or
10% 5%
0% audio options
1 2 3 4 5
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25% 22.10%
20% 17%
13.90% 15%
15%
9%
10% 6.50% 6%
5%
5% 3% 2.50%
0%
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V Difficult to get an appointment with the Customers of
charitable trusts.
V Customers normally hesitated to share information
because they didnǯt think this exercise was a fruitful one.
V All the Customers do not meet more than four - six times
a year. So it became difficult to get the approval of all the
members in one meeting.