A

PROJECT STUDY REPORT

ON
TRAINING UNDERTAKEN AT
& Customer preference attributes towards
& Saving Current Account of HDFC Bank
A Project Report submitted in partial
fulfillment of the reuirements of

BACHLOR OF BUSINESS ADMINISTRATION
~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~
VI Semester
TO
. . . ( . ) ! D S "#$%&RS$'( A)!&R RA)
BY
*A*A# P"R$
( . . ) . B B A *+%' BA#*"R C+,,&*&
PA,$
ACKNOWLEDGEMENT
I, Gagan Puri, B.B.A Student in GOVT.
BANGUR P.G COLLEGE, Pali is highly grateful to all
those who guided me in completing this project.
First of all, I would like to pay my
heartiest thanks to entire family of HDFC BANK
especially Mr. Man Singh CASA Team eader, who
pro!ided me such a wonderful opportunity to do
Summer Training and pro!ided their !alua"le
suggestions in understanding the work of #esearch
Project.
ast "ut not the least, I would like to
thanks all faculties of GOVT. BANGUR P.G COLLEGE,
Pali who ga!e me the useful tips and suggestions
regarding project. I would like to thanks my project
manager, Mr. Vin!" Shar#a for imparting his
!alua"le guidance to me.
$ords can ne!er e%press the deep
sense of gratitude, I feel for HDFC BANK
$#%&!'$$( who has "een a constant source of
inspiration and encouragement for me.
*agan Puri)BBA*
PR&FAC&
I had undergone a practical training
under HDFC BANK PALI. It was a good e%posure for
me to undergo training in such a company to get the
knowledge and e%perience regarding SAVING +
CURRENT ACCOUNT and recruitment of capa"le of
C.A.S.A. AGENT.
Summer training is one of the major
e%periencing components of the knowledge, gain of
rele!ant of information with respect to marketing and
dealing with situations in a professional course like
&.&.A. where a professional person faces a pro"lem in
a field. I was a"le to get familiari'ed with the
customer relationship and got to know how a company
measures to resol!e their grie!ances and ser!ice them
to the ma%imum for future prospect and success. Field
component like sur!ey, generation of (uestionnaire
with respect to marketing helped me a lot and would
"e a great support in future.
,I- i( g!!" -! ha.$ $n-hu(ia(# /u-
i- i( $(($n-ia& -! ha.$ -raining. Training 0an /$ in
a&& 1a' !2 &i2$.3 Thus I would say that this training
was "eneficial educati!e ) good e%posure to me,
which will certainly help in my near future. This
project was designed with respect to this company.
The project made me to get the enhanced knowledge
regarding SAVING + CURRENT ACCOUNT concept and
the process of recruiting of C.A.S.A. AGENT.
STUDENT4S DECLARATION

I here"y declare that the Project ) Training #eport *n
Cu(-!#$r %r$2$r$n0$ + a--ri/u-$( -!1ar"( Sa.ing +
Curr$n- A00!un- !2
HDFC Ban5
Conducted at
+,FC &A-.
/nder the guidance of
Mr. Man Singh
+
Mr. Vin!" Shar#a
Su"mitted in partial fulfillment of the re(uirements of
BEACHLOR OF BUSINESS ADMINISTRATION
VI S$#$(-$r
T*
M.D.S. UNIVERSITY AJMER )RAJ.*
Is my original work and the same has not "een su"mitted
for the award of any degree0 diploma0 fellowship or other
similar titles or pri'es.
Place1 PALI GAGAN PURI )B.B.A*
CONTENTS
CHAPTER PARTICULARS Pg .No.
Acknowledgement i
Preface ii
Student2s ,eclaration iii
Cha%-$r 6
Introduction 6
6.6 The Topic 6
6.7 #eason for Selection of this Topic 6
6.8 Importance to the Company 6
6.9 earning from the Study 6
Cha%-$r 7
*rgani'ation Profile 6:68
7.6 Company +istory 6:;
7.7 Product Scope ;
7.8 Product and Ser!ices at a glance ;:6<
7.9 3ilestones in the history 6<:67
7.= 3erger 67:68
7.> 4uality Policy 68
Cha%-$r 8
#esearch o"jecti!e and Scope of 68:69
research
8.6 Pro"lem ,efinition 68:69
8.7 *"jecti!e of research project 69
5.6.7 Primary *"jecti!e 69
5.6.6 Secondary *"jecti!e 69
5.6.5 Product Scope 69
Cha%-$r 9
#esearch 3ethodology and imitations 69:6>
9.6 #esearch Plan 69
8.7.7 Preliminary In!estigation 69
8.7.6 9%ploratory Study 6=
9.7 #esearch ,esign 6=
8.6.7 ,e!eloping the research plan 6=
8.6.6 Collection of data 6=
9.8 Sampling plan 6=
9.9 Sample Si'e 6=
9.= ,ata collection instrument de!elopment 6>
9.> #esearch limitations 6>
Cha%-$r =
,ata analysis, Interpretations and 6>:6?
Presentation
Cha%-$r >
Conclusions and Suggestions 6?:7<
>.6 Conclusions 6?:7<
>.7 Suggestions 7<
Cha%-$r ;
imitations 7<
ANNE@URES 76:77
BIBLIOGRAPHY 78
C+APT9#:7
I-T#*,/CTI*-
1.1 THE TOPICA ,OPENING SAVINGS + CURRENT
ACCOUNTS BY MEETING CUSTOMERS3
At +,FC &ank, I was assigned with the topic as
;*pening Sa!ings Accounts "y 3eeting Customers< for my
project work. I joined the company as a Sales 9%ecuti!e.
The selection of the topic was to know how the company
generates "usiness through them.
Sales 9%ecuti!es are those sources of a company
who ha!e their own relations and personal contacts among
common pu"lic that they use to generate "usiness through.
Company has certain criteria to recruit these Sales
9%ecuti!es.
The steps are as follows.
+e should "e at least 76th passed.
+e should ha!e good personal contacts.
+e should ha!e con!incing power.
+e should "e a"o!e 7=th year old.

*nce he through all these steps of recruitment, he
"ecomes the Sales 9%ecuti!e of the company and reser!e
the right to sale the !arious products to any prospect client
also he is paid the commission a certain percentage. There
are some reward and tour package also.
6.7 REASON FOR SELECTION OF THIS TOPICA

The financial sector is one of the "ooming and
increasing sectors in India. The Sales 9%ecuti!es are one of
the most powerful, efficient and effecti!e channel through
which the company sales it2s !arious types of financial
products. It is really difficult to con!ince customers and sell
a single product "ut since these e%ecuti!es ha!e their own
personal contacts which make the entire task easier to sell a
product. $hereas in my entire project work I found my
interest in working in a team, dealing with customers and
finally con!incing them to open an account with the "ank.
6.8 IMPORTANCE TO THE COMPANYA
The ultimate purpose of gi!ing me this topic was to
know a"out the customer2s perceptions a"out the different
products of the "ank, how these products can attract them
and how the company can generate ma%imum profit "y
con!incing them through sales e%ecuti!es.
6.9 LEARNING FROM THE STUDYA
The process of recruitment for Sales 9%ecuti!es of
+,FC &ank.
,ifferent products and ser!ices pro!ided "y the "ank.
Customers2 perception a"out the different products.
The "rand image of the "ank.
$hat are the pro"lems faced "y these sales e%ecuti!es
daily "asis.
+ow to communicate with the customers.
,ifferent techni(ues of dealing with the customers.
+ow to con!ince and con!ert a customer into a real
customer.
C+APT9#:6
*#>A-I?ATI*-
P#*FI9
7. COMPANY HISTORYA
7.6 FORMATION OF THE COMPANY
The +ousing ,e!elopment Finance Corporation
imited @+,FCA was amongst the first to recei!e an Bin
principleB appro!al from the #eser!e &ank of India @#&IA to
set up a "ank in the pri!ate sector, as part of the #&IBs
li"erali'ation of the Indian &anking Industry in 7CC8. The
"ank was incorporated in August 7CC8 in the name of B+,FC
&ank imitedB, with its registered office in 3um"ai, India.
+,FC &ank commenced operations as a Scheduled
Commercial &ank in Danuary 7CCE.
PROMOTER
+,FC is IndiaBs premier housing finance company
and enjoys an impecca"le track record in India as well as in
international markets. Since its inception in 7CFF, the
Corporation has maintained a consistent and healthy growth
in its operations to remain the market leader in mortgages.
Its outstanding loan portfolio co!ers well o!er a million
dwelling units. +,FC has de!eloped significant e%pertise in
retail mortgage loans to different market segments and also
has a large corporate client "ase for its housing related
credit facilities. $ith its e%perience in the financial markets,
a strong market reputation, large shareholder "ase and
uni(ue consumer franchise, +,FC was ideally positioned to
promote a "ank in the Indian en!ironment.
BUSINESS FOCUS
+,FC &ankBs mission is to "e a $orld:Class Indian
&ank. The o"jecti!e is to "uild sound customer franchises
across distinct "usinesses so as to "e the preferred pro!ider
of "anking ser!ices for target retail and wholesale customer
segments, and to achie!e healthy growth in profita"ility,
consistent with the "ankBs risk appetite. The "ank is
committed to maintain the highest le!el of ethical standards,
professional integrity, and corporate go!ernance and
regulatory compliance. +,FC &ankBs "usiness philosophy is
"ased on four core !alues G *perational 9%cellence,
Customer Focus, Product eadership and People.
CAPITAL STRUCTURE
The authori'ed capital of +,FC &ank is #sEEH crore
@#sE.E "illionA. The paid:up capital is #s868.I crore @#s.8.6
"illionA. The +,FC >roup holds 7C.8J of the "ankBs e(uity
and a"out 7F.IJ of the e(uity is held "y the A,S
,epository @in respect of the "ankBs American ,epository
Shares @A,SA IssueA. #oughly 6=J of the e(uity is held "y
Foreign Institutional In!estors @FIIsA and the "ank has a"out
EFH,HHH shareholders. The shares are listed on the Stock
9%change, 3um"ai and the -ational Stock 9%change. The
"ankBs American ,epository Shares are listed on the -ew
Kork Stock 9%change @-KS9A under the sym"ol B+,&B.
TIMES BANK AMALGAMATION
In a milestone transaction in the Indian "anking
industry, Times &ank imited @another new pri!ate sector
"ank promoted "y &ennett, Coleman ) Co. 0Times >roupA
was merged with +,FC &ank td., effecti!e Fe"ruary 6I,
6HHH. As per the scheme of amalgamation appro!ed "y the
shareholders of "oth "anks and the #eser!e &ank of India,
shareholders of Times &ank recei!ed 7 share of +,FC &ank
for e!ery E.FE shares of Times &ank. The ac(uisition added
significant !alue to +,FC &ank in terms of increased "ranch
network, e%panded geographic reach, enhanced customer
"ase, skilled manpower and the opportunity to cross:sell
and le!erage alternati!e deli!ery channels.
DISTRIBUTION NETBORK
+,FC &ank is head(uartered in 3um"ai. The &ank
at present has an en!ia"le network of o!er 766C "ranches
spread o!er 888 cities across India. All "ranches are linked
on an online real:time "asis. Customers in o!er 76H
locations are also ser!iced through Telephone &anking. The
&ankBs e%pansion plans take into account the need to ha!e a
presence in all major industrial and commercial centers
where its corporate customers are located as well as the
need to "uild a strong retail customer "ase for "oth deposits
and loan products. &eing a clearing0settlement "ank to
!arious leading stock e%changes, the &ank has "ranches in
the centers where the -S90&S9 has a strong and acti!e
mem"er "ase. The &ank also has a network of a"out o!er
6E6I networked AT3s across these cities. 3oreo!er,+,FC
&ankBs AT3 network can "e accessed "y all domestic and
international Lisa03asterCard, Lisa 9lectron03aestro,
Plus0Cirrus and American 9%press Credit0Charge
cardholders.
MANAGEMENT
Mr. Jagdish Kapoor took o!er as the "ankBs
Chairman in Duly 6HH7. Prior to this, 3r. .apoor was a
,eputy >o!ernor of the #eser!e &ank of India.
The 3anaging ,irector, Mr. Adita !"ri, has "een a
professional "anker for o!er 6E years and "efore joining
+,FC &ank in 7CC8 was heading Citi"ankBs operations in
3alaysia.
The &ankBs &oard of ,irectors is composed of
eminent indi!iduals with a wealth of e%perience in pu"lic
policy, administration, industry and commercial "anking.
Senior e%ecuti!es representing +,FC are also on the &oard.
Senior "anking professionals with su"stantial e%perience in
India and a"road head !arious "usinesses and functions and
report to the 3anaging ,irector. >i!en the professional
e%pertise of the management team and the o!erall focus on
recruiting and retaining the "est talent in the industry, the
"ank "elie!es that its people are a significant competiti!e
strength.
TECHNOLOGY
+,FC &ank operates in a highly automated
en!ironment in terms of information technology and
communication systems. All the "ankBs "ranches ha!e online
connecti!ity, which ena"les the "ank to offer speedy funds
transfer facilities to its customers. 3ulti:"ranch access is
also pro!ided to retail customers through the "ranch
network and A"tomated Te##er Ma$hi%es &ATMs'.
The &ank has made su"stantial efforts and in!estments in
ac(uiring the "est technology a!aila"le internationally, to
"uild the infrastructure for a world class "ank. The &ankBs
"usiness is supported "y scala"le and ro"ust systems which
ensure that our clients always get the finest ser!ices we
offer. The &ank has prioriti'ed its engagement in technology
and the internet as one of its key goals and has already
made significant progress in we":ena"ling its core
"usinesses. In each of its "usinesses, the &ank has
succeeded in le!eraging its market position, e%pertise and
technology to create a competiti!e ad!antage and "uild
market share.
BUSINESS FOCUS
+,FC &ankBs mission is to "e a $orld:Class Indian
&ank. The o"jecti!e is to "uild sound customer franchises
across distinct "usinesses so as to "e the preferred pro!ider
of "anking ser!ices for target retail and wholesale customer
segments, and to achie!e healthy growth in profita"ility,
consistent with the "ankBs risk appetite. The "ank is
committed to maintain the highest le!el of ethical standards,
professional integrity, and corporate go!ernance and
regulatory compliance. +,FC &ankBs "usiness philosophy is
"ased on four core !alues G *perational 9%cellence,
Customer Focus, Product eadership and People.
RATING
I. Credit #ating
The &ank has its deposit programs rated "y two rating
agencies : Credit Analysis ) #esearch imited @CA#9A and
Fitch #atings India Pri!ate imited. The &ankBs Fi%ed ,eposit
programmed has "een rated BCA#9 AAA @F,AB MTriple AN "y
CA#9, which represents instruments considered to "e Oof the
"est (uality, carrying negligi"le in!estment riskO. CA#9 has
also rated the "ankBs Certificate of ,eposit @C,A
programmer OP# 7PO which represents Osuperior capacity for
repayment
of short term promissory o"ligationsO. Fitch #atings India
P!t. td. @7HHJ su"sidiary of Fitch Inc.A has assigned the
OtAAA @indAO rating to the &ankBs deposit programme, with
the outlook on the rating as Osta"leO. This rating indicates
Ohighest credit (ualityO where Oprotection factors are !ery
highO. The &ank also has its long term unsecured,
su"ordinated @Tier IIA &onds rated "y CA#9 and Fitch
#atings India Pri!ate imited and its Tier I perpetual &onds
and /pper Tier II &onds rated "y CA#9 and C#ISI td.
CA#9 has assigned the rating of OCA#9 AAAO for the
su"ordinated Tier II &onds while Fitch #atings India P!t. td.
has assigned the rating OAAA @indAO with the outlook on the
rating as Osta"leO. CA#9 has also assigned OCA#9 AAA
MTriple ANO for the &anks Perpetual "ond and /pper Tier II
"ond issues. C#ISI has assigned the rating OAAA 0 Sta"leO
for the &ankBs Perpetual ,e"t programme and /pper Tier II
&ond issue. In each of the cases referred to a"o!e, the
ratings awarded were the highest assigned "y the rating
agency for those instruments.
II. Corporate >o!ernance #ating
The "ank was one of the first four companies, which
su"jected itself to a Corporate >o!ernance and Lalue
Creation @>LCA rating "y the rating agency, The Credit
#ating Information Ser!ices of India imited @C#ISIA. The
rating pro!ides an independent assessment of an entityBs
current performance and an e%pectation on its O"alanced
!alue creation and corporate go!ernance practicesO in
future. The "ank has "een assigned a BC#ISI >LC e!el 7B
rating which indicates that the "ankBs capa"ility with respect
to wealth creation for all its stakeholders while adopting
a sound corporate go!ernance practice is the highest.
7.7 PRODUCT SCOPEA
+,FC &ank offers a "unch of products and ser!ices
to meet the e!ery need of the people. The company cares
for "oth, indi!iduals as well as corporate and small and
medium enterprises. For indi!iduals, the company has a
range accounts, in!estment, and pension scheme, different
types of loans and cards that assist the customers. The
customers can choose the suita"le one from a range of
products which will suit their life:stage and needs For
organi'ations the company has a host of customi'ed
solutions that range from Funded ser!ices, -on:funded
ser!ices, Lalue addition ser!ices, 3utual fund etc. These
afforda"le plans apart from pro!iding long term !alue to the
employees help in enhancing goodwill of the company. The
products of the company are categori'ed into !arious
sections which are as follows1
Accounts and deposits.
oans.
In!estments and Insurance.
Fore% and payment ser!ices.
Cards.
Customer center.
7.8 PRODUCTS AND SERVICES AT A GLANCE
6. PERSONAL BANKING
A. A00!un-( + D$%!(i-(
: #egular Sa!ings Account
: Sa!ings Plus Account
: Sa!ings3a% Account
: Senior Citi'ens Account
: -o Frills Account
: Institutional Sa!ings Account
: Payroll Salary Account
: Classic Salary Account
: #egular Salary Account
: Premium Salary Account
: ,efense Salary Account
: .idBs Ad!antage Account
: Pension Sa!ing &ank Account
: Family Sa!ings Account
: .isan -o Frills Sa!ings Account
: .isan Clu" Sa!ings Account
: Plus Current Account
: Trade Current Account
: Premium Current Account
: #egular Current Account
: Ape% Current Account
: 3a% Current Account
: #eim"ursement Current Account
: #FC : ,omestic Account
: #egular Fi%ed ,eposit
: Super Sa!er Account
: Sweep:in Account
: +,FC &ank Preferred
: Pri!ate &anking
B. L!an(
: Personal oans
: +ome oans
: Two $heeler oans
: -ew Car oans
: /sed Car oans
: *!erdraft against Car
: 9%press oans
: oan against Securities
: oan against Property
: Commercial Lehicle Finance
: $orking Capital Finance
: Construction 9(uipment Finance
: *ffers ) ,eals
: Customer Center
C. In.$(-#$n-( + In(uran0$
: 3utual Funds
: Insurance
: &onds
: Financial Planning
: .nowledge Centre
: 9(uities ) ,eri!ati!es
: 3udra >old &ar
D. F!r$C S$r.i0$(
: Trade Finance
: Tra!elers2 Che(ues
: Foreign Currency Cash
: Foreign Currency ,rafts
: Foreign Currency Che(ue ,eposits
: Foreign Currency #emittances
: Cash to 3aster
: Fore%Plus Card
E. Pa'#$n- S$r.i0$(
: -et Safe
: Prepaid #efill
: &ill Pay
: ,irect Pay
: Lisa 3oney Transfer
: 9:3onies 9lectronic Funds Transfer
: 9%cise ) Ser!ice Ta% Payment
F. A00$(( Y!ur Ban5
: *ne Liew
: Insta Alerts
: 3o"ile &anking
: AT3
: Phone &anking
: &ranch -etwork
G. Car"(
: Sil!er Credit Card
: >old Credit Card
: $omanBs >old Credit Card
: Platinum plus Credit Card
: Titanium Credit Card
: Lalue plus Credit Card
: +ealth plus Credit Card
: +,FC &ank Idea Sil!er Card
: +,FC &ank Idea >old Card
: Compare Cards
: Transfer ) Safe
: Track your Credit Card
H. G$- M!r$ 2r!# Y!ur Car"
: *ffers ) Sa!ings
: 3y #ewards
: Insta $onders
: Add:*n Cards
: Credit Card /sage >uide
: 9asy 93I
: -et safe
: Smart Pay
: Secure Plus
: 3y City &enefit Card
: ,e"it Cards
: 9asy Shop International ,e"it Card
: 9asy Shop >old ,e"it Card
: 9asy Shop International &usiness ,e"it Card
: 9asy Shop $oman2s Ad!antage ,e"it Card
: Prepaid Cards
: Fore% Plus Card
: .isan Card
I. Cu(-!#$r C$n-r$
: *ffers ) ,eals
: $inners of Contests ) Promotions
7. BHOLESALE BANKING
A. C!r%!ra-$
Funded Ser!ices
-on Funded Ser!ices
Lalue Added Ser!ices
Internet &anking
B. S#a&& + M$"iu# En-$r%ri($(
Funded Ser!ices
-on:Funded Ser!ices
Speciali'ed Ser!ices
Internet &anking
C. Finan0ia& In(-i-u-i!n( + Tru(-(
&anks
Financial Institutions
3utual Funds
Stock &rokers
7.8. MILESTONES IN THE HISTORY
+,FC &ank "egan its operations in 7CCE with a
simple mission1 to "e a O$orld:class Indian &ankO. They
reali'ed that only a single:minded focus on product (uality
and ser!ice e%cellence would help us get there. Today, they
are proud to say that they are well on our way towards that
goal. It is e%tremely gratifying that their efforts towards
pro!iding customer con!enience ha!e "een appreciated "oth
nationally and internationally.
7<<?
9uro money Awards 6HHC
B&est &ank in IndiaB
9conomic Times &rand
9(uity ) -ielsen #esearch
annual sur!ey 6HHC
3ost Trusted &rand : #unner /p
Asia 3oney 6HHC Awards
&est ,omestic &ank in IndiaB
I&A &anking Technology
Awards 6HHC
&est IT >o!ernance Award : #unner
upB
>lo"al Finance Award
B&est Trade Finance &ank in India
for 6HHC
I,#&T &anking Technology
9%cellence Award 6HH=
B&est IT >o!ernance and Lalue
,eli!eryB
Asian &anker 9%cellence in
#etail Financial Ser!ices
BAsian &anker &est #etail &ank in
India Award 6HHC B
7<<D
Finance Asia Country Awards for
Achie!ement 6HH=
B&est &ank and &est Cash
3anagement &ankB
C--:I&-
BIndian of the Kear
@&usinessAB
-asscom IT /ser Award 6HH=
B&est IT Adoption in the
&anking SectorB
&usiness India
B&est &ank 6HH=B
For"es Asia
Fa" EH companies in Asia
Pacific
Asian &anker 9%cellence in #etail
Financial Ser!ices
&est #etail &ank 6HH=
Asia money
&est local Cash 3anagement
&ank Award !oted "y
Corporate
3icrosoft ) Indian 9%press >roup
Security Strategist Award
6HH=
$orld Trade Center Award of
honor
For outstanding contri"ution
to international trade
ser!ices
&usiness Today:3onitor >roup
sur!ey
*ne of IndiaBs O3ost
Inno!ati!e CompaniesO
Financial 9%press:9rnst ) Koung
Award
&est &ank Award in the
Pri!ate Sector category
>lo"al +# 9%cellence Awards :
Asia Pacific +#3 Congress1
B9mployer &rand of the Kear
6HHF :6HH=B Award : First
#unner up, ) many more
&usiness Today
&est &ankB Award
7<<;
,un ) &radstreet G American
9%press Corporate &est &ank
Award 6HHF
BCorporate &est &ankB Award
The &om"ay Stock 9%change
and -asscom FoundationBs
&usiness for Social #esponsi"ility
Awards
B&est Corporate Social
#esponsi"ility PracticeB Award
*utlook 3oney ) -,TL Profit
&est &ank Award in the Pri!ate
sector category.
The Asian &anker 9%cellence in
#etail Financial Ser!ices Awards
&est #etail &ank in India
Asian &anker
*ur 3anaging ,irector Aditya
Puri wins the eadership
Achie!ement Award for India
Financial 9%press
9rnst ) Koung Award &est
&ank Award in the Pri!ate
Sector category.
&usiness Today
Q&est &ank Award2
7<<>
&usiness Today
&est &ank in India
For"es 3aga'ine *ne of Asia
PacificBs
&est EH companies.
&usiness world
&est listed &ank of India
The Asset 3aga'ineBs Triple A
Country Awards
&est ,omestic &ank
Asia money Awards
&est ocal Cash 3anagement
&ank in arge and 3edium
segments.
9uro money Awards
O&est &ankO in India.
7<<=
Asia money Awards
&est ,omestic Commercial
&ank
Asia money Awards
&est Cash 3anagement &ank :
India
The Asian &anker 9%cellence
#etail &anking #isk
3anagement Award in India
Finance Asia maga'ine
&est &ank in India
9conomic Times Awards
OCompany of the KearO Award
for Corporate 9%cellence
The Asset Triple A Country
Awards
&est ,omestic &ank in India
#egion :6HHE
&usiness Today
.P3> Sur!ey &est ocal Cash
3anagement &ank in
India /SR77:7HHm : 6HHE
&usiness Today
.P3> Sur!ey O&est &ank in
IndiaO for the third
&usiness Today
consecuti!e year in 6HHE
9conomic Times
A!aya >lo"al Connect
Customer #esponsi!eness
Awards
O3ost Customer #esponsi!e
Company
7.9. MERGER
+,FC &ank and Centurion &ank of Punja" merger
at share swap ratio of 716C The &oards of +,FC &ank and
Centurion &ank of Punja" met on 6E Fe"ruary, 6HH= and
appro!ed, su"ject to due diligence, the share swap ratio for
the proposed merger of Centurion &ank of Punja" with +,FC
&ank. The Scheme of Amalgamation en!isages a share
e%change ratio of one share of +,FC &ank for twenty nine
shares of Centurion &ank of Punja". The com"ined entity
would ha!e a nationwide network of 7,78= "ranches @the
largest amongst pri!ate sector &anksA a strong deposit "ase
of around #s. 7,6HH "illion and net ad!ances of around #s.
=EH"illion. The "alance sheet si'e of the com"ined entity
would "e o!er #s. 7,EHH "illion. Commenting on the
proposed merger, Mr. D$$%a5 Par$5h Chair#an HDFC
said, ;$e were amongst the first to get a "anking license,
the first to do a merger in the pri!ate sector with Times
&ank in 7CCC, and now if this deal happens, it would "e the
largest merger in the pri!ate sector "anking space in India.
+,FC &ank was looking for an appropriate merger
opportunity that would add scale, geography and
e%perienced staff to its franchise. This opportunity arose and
we thought it is an attracti!e route to supplement +,FC
&ank2s organic growth. $e "elie!e that Centurion &ank of
Punja" would "e the right fit in terms of culture, strategic
intent and approach to "usiness.<
Mr. A"i-'a Puri Managing Dir$0-!r HDFC &ank said,
;These are e%citing times for the Indian "anking industry.
The proposed merger will position the com"ined entity to
significantly e%ploit opportunities in a market glo"ally
recogni'ed as one of the fastest growing. I2m particularly
"ullish a"out the potential of "usiness synergies and cultural
fit "etween the two organi'ations. The com"ined entity will
"e an e!en greater force in the market.<
Mr. Rana Ta&1ar Chair#an C$n-uri!n Ban5 !2 PunEa/
stated, ;*!er the last few years, Centurion &ank of Punja"
has set "enchmarks for growth. The "ank today has a large
nationwide network, an e%tremely !alua"le franchise, F,EHH
talented employees, and strong leadership positions in the
market place. I "elie!e that the merger with +,FC &ank will
create a world class "ank in (uality and scale and will set
the stage to compete with "anks "oth locally as well on a
glo"al le!el.<
Mr. Shai&$n"ra Bhan"ari Managing Dir$0-!r an" CEO
C$n-uri!n Ban5 !2 PunEa/ said, ;$e are e%tremely
pleased to recei!e the go ahead from our "oard to pursue
this opportunity. A merger "etween the "anks pro!ides
significant synergies to the com"ined entity. The proposed
merger would further impro!e the franchise and customer
proposition offered "y the indi!idual "anks.<
7.= FUALITY POLICY
G SECURITYA The "ank pro!ides long term financial
security
to their policy. The "ank does this "y offering
life insurance and pension products.

G TRUSTA The "ank appreciates the trust placed "y
their policy holders in the "ank. +ence, it
will aim to manage their in!estments
!ery carefully and li!e up to this
trust.
G INNOVATIONA #ecogni'ing the different needs of our
customers, the "ank offers a range of
inno!ati!e products to
meet these needs.
G INTEGRITY
G CUSTOMER CENTRIC
G PEOPLE CARE ,ONE FOR ALL AND ALL FOR ONE3
G TEAM BORK
G JOY AND SIMPLICITY
C+APT9# G 5
#9S9A#C+
*&D9CTIL9S A-,
SC*P9 *F
#9S9A#C+
P#*D9CT
8.6 PROBLEM DEFINATIONA
Sales 9%ecuti!es were with good "ackground human "eing
and through rigorous process of recruitment "ut still not
a"le to perform up to the e%pectation le!el of company, +#
is not a"le to sort out the pro"lem why the performance is
not coming e!en after gi!ing the full marketing support. The
communication techni(ue and dealing with the customers is
also a pro"lem to the sales e%ecuti!es.
8.7 OBJECTIVES OF RESEARCH PROJECTA
8.7.6 PRIMARY OBJECTIVESA
S To open new sa!ings accounts "y con!incing customers
and to promote the "enefits of those which are pro!ided
"y the "ank.
S To find the different way of con!incing customers.
S To study "rand image of the "ank.
S To increase the "usiness of the "ank.
8.7.7 SECONDARY OBJECTIVESA
S To determine the need and purpose of a sales e%ecuti!e.
S To understand the deciding criteria for people to "ecome
sales e%ecuti!e.
S To offer suggestions "ased upon the findings.
8.7.8 GEOGRAPHICAL SCOPEA
The same pro"lem was with the all other "ranches of +,FC
&ank e!en out of the Pali city. The management is
conducting the same research on a "ig ground while my
contri"ution is tiny. Though my sample si'e and
geographical area was defined and confine to a particular
territory "ut the application of out put from the research
are going to "e wide.
8.8 PRODUCT SCOPEA
S Studying the increasing "usiness scope of the "ank.
S 3arket segmentation to find the potential customers for
the "ank.
S To study how the !arious products are positioned in the
market.
S Corporate marketing of products.
S Customers2 perception on the !arious products of the "ank.
C+APT9#:8
#9S9A#C+
39T+*,**>K
A-,
I3ITATI*-S
All the findings and conclusions o"tained are "ased on the
sur!ey done in the working area within the time limit. I tried
to select the sample representati!e of the whole group
during my jo" training. I ha!e collected data from people
linked with different profession at Pali.
9.6 RESEARCH PLANA
9.6.6. Pr$&i#inar' In.$(-iga-i!nA
In which data on the situation surrounding the
pro"lems shall "e gathered to arri!e at
S The correct definition of the pro"lem.
S An understanding of its en!ironment.
9.6.7. EC%&!ra-!r' S-u"'A
To determine the appro%imate area where the pro"lem
lies.
9.7 RESEARCH DESIGNA
#esearch was initiated "y e%amining the secondary data
to gain insight into the pro"lem. &y analy'ing the secondary
data, the study aim is to e%plore the short comings of the
present system and primary data will help to !alidate the
analysis of secondary data "esides on unre!ealing the areas
which calls for impro!ement.
9.7.6 DEVELOPING THE RESEARCH PLANA
The data for this research project has "een collected
through self Administration. ,ue to time limitation and other
constraints direct personal inter!iew method is used. A
structured (uestionnaire was framed as it is less time
consuming, generates specific and to the point information,
easier to ta"ulate and interpret. 3oreo!er respondents
prefer to gi!e direct answers.
In (uestionnaires open ended and closed ended, "oth
the types of (uestions has "een used.
9.7.7 COLLECTION OF DATAA
71 Secondary ,ata1 It was collected from internal sources.
The secondary data was collected
on
the "asis of organi'ational file, official records, news papers,
maga'ines, management "ooks preser!ed information in the
company2s data"ase and we"site of the company.
61 Primary data1 All the people from different profession
were personally !isited and
inter!iewed. They were the main
source of Primary data. The method of collection of primary
data was direct personal inter!iew through a structured
(uestionnaire.
9.8 SAMPLING PLANA
Since it is not possi"le to study whole uni!erse, it
"ecomes necessary to take sample from the uni!erse to
know a"out its characteristics.
S Sampling /nits1 ,ifferent professionals Chartered
Accountants, Ta% Consultants,
awyers, &usiness 3an,
Professionals and
+ouse $i!es of Pali.
S Sample Techni(ue1 #andom Sampling.
S #esearch Instrument1 Structured 4uestionnaire.
S Contact 3ethod1 Personal Inter!iew.
9.9 SAMPLE SIHEA
3y sample si'e for this project was 6HH respondents. Since
it was not possi"le to co!er the whole uni!erse in the
a!aila"le time period, it was necessary for me to take a
sample si'e of 6HH respondents.
9.= DATA COLLECTION INSTRUMENT DEVELOPMENTA
The mode of collection of data will "e "ased on Sur!ey
3ethod and Field Acti!ity. Primary data collection will "ase
on personal inter!iew. I ha!e prepared the (uestionnaire
according to the necessity of the data to "e collected.
9.> RESEARCH LIMITATIONSA
S It was not possi"le to understand thoroughly a"out the
different marketing aspects of the Financial Consultant
$ithin 5H days.
S As stipend, money was not gi!en it was difficult to continue
the project work.
S All the work was limited in some limited areas of Pali so
the findings should not "e generali'ed.
S The area of research was Pali and it was too !ast an area
to co!er within 5H days.
C+APT9#:E
,ATA A-AKSIS,
I-T9#P#9TATI*-
A-,
P#9S9-TATI*-
F.6. Kour AgeT
TA&9
S$ria&
N!.
Ag$ Ca-$g!r' Nu#/$r !2
R$(%!n"$n-(
P$r0$n-ag$
7. 7=:65 Kears 8H 6HJ
6. 68:6C Kears FH 5EJ
5. 5H:5E Kears IH 5HJ
8. 5E Kears ) a"o!e 5H 7EJ
T!-a& 6HH 7HHJ
&ase 6HH respondents
(
)(
*(
+(
,(
-(
.(
/(
)01*+
2ears
+(1
+-2ears
)01*+ 2ears
*,1*3 2ears
+(1+- 2ears
+- 2ears 4 a5o6e
In-$r%r$-a-i!n
From the ta"le and graph a"o!e it can "e seen that
6HJ respondent2s age are 7= to 65 years.
5EJ respondent2s age are 6F to 6C years.
5HJ respondent2s age are 5H to 5E years.
7EJ respondent2s age are 5E to a"o!e years.
F.7. 3arital StatusT
TA&9
S$ria&
N!.
Ca-$g!r' Nu#/$r !2
R$(%!n"$n-(
P$r0$n-ag$
7. 3arried 78H FHJ
6. /nmarried IH 5HJ
T!-a& 6HH 7HHJ
&ase 6HH respondents

),(
.(
(
*(
,(
.(
0(
)((
)*(
),(
Married 7%married
Married
7%married
In-$r%r$-a-i!n
From the ta"le and graph a"o!e it can "e seen that
FHJ respondents are married.
5HJ respondents are unmarried.
F.8. 9ducational 4ualificationT
TA&9
S$ria& Ca-$g!r' Nu#/$r !2 P$r0$n-ag$
N!. R$(%!n"$n-(
7. /nder graduate EH 6EJ
6. >raduate =H 8HJ
5. Post >raduate FH 5EJ
T!-a& 6HH 7HHJ

&ase 6HH respondents
(
)(
*(
+(
,(
-(
.(
/(
0(
)st *%d +rd
7%der grad"ate
Grad"ate
!ost Grad"ate
In-$r%r$-a-i!n
From the ta"le and graph a"o!e it can "e seen that
6EJ respondents are /nder graduate.
8HJ respondents are >raduate.
5EJ respondents are Post graduate.
F.9. -um"er *f year2s Are Kou in PaliT
TA&9
S$ria&
N!.
Ca-$g!r' Nu#/$r !2
R$(%!n"$n-(
P$r0$n-ag$
7. ess than fi!e
years
F= 5CJ
6. 3ore than fi!e
years
766 I7J
T!-a& 6HH 7HHJ
&ase 6HH respondents
(
*(
,(
.(
0(
)((
)*(
),(
)st *%d
Less tha% 8i6e
ears
More tha% 8i6e
ears
In-$r%r$-a-i!n
From the ta"le and graph a"o!e it can "e seen that
5CJ respondents are in Pali for less than fi!e years.
I7J respondents are in Pali for more than fi!e years.
F.=. Kour *ccupationT
TA&9
S$ria&
N!.
Ca-$g!r' Nu#/$r !2
R$(%!n"$n-(
P$r0$n-ag$
7. &usiness 8H 6HJ
6. Profession 7H= E8J
5. Ser!ice E6 6IJ
T!-a& 6HH 7HHJ
&ase 6HH respondents
(
*(
,(
.(
0(
)((
)*(
9"si%ess
!ro8essio%
Ser6i$e
In-$r%r$-a-i!n
From the ta"le and graph a"o!e it can "e seen that
6HJ respondents *ccupation is &usiness.
6IJ respondents *ccupation is Profession.
E8J respondents *ccupation is Ser!ice.
F.>. Kour annual household incomeT
TA&9
S$ria&
N!.
Ca-$g!r' Nu#/$r !2
R$(%!n"$n-(
P$r0$n-ag$
7. ess than 6 lacs C= 8CJ
6. &etween 6 to E I6 57J
5. &etween E to = 5H 7EJ
8. 3ore than = lacs 7H EJ
T!-a& 6HH 7HHJ
&ase 6HH respondents
(
*(
,(
.(
0(
)((
)st :tr *%d :tr +rd :tr ,th :tr
Less tha% * #a$s
9et;ee% * to - #a$s
9et;ee% - to 0 #a$
More tha% 0 #a$s
In-$r%r$-a-i!n
From the ta"le and graph a"o!e it can "e seen that
8CJ respondent2s annual household income is less
than 6 lacs.
57J respondent2s annual household income is
"etween 6 to E lacs.
7EJ respondent2s annual household income is
"etween E to = lacs.
EJ respondent2s annual household income is more
than = lacs.
F.;. Are you a mem"er of a clu"0gymkhanaT

TA&9
S$ria&
N!.
Ca-$g!r' Nu#/$r !2
R$(%!n"$n-(
P$r0$n-ag$
7. Kes =8 86J
6. -o 77I E=J
TOTAL 6HH 7HHJ
&ase 6HH respondents
(
*(
,(
.(
0(
)((
)*(
2ES NO
2ES
NO
In-$r%r$-a-i!n
From the ta"le and graph a"o!e it can "e seen that
86J respondents are mem"er of a clu"0gymkhana.
E=J respondents are not mem"er of a
clu"0gymkhana.
F.D. $hat is your perception a"out different
products0ser!ices pro!ided "y +,FC "ankT
TA&9
S$ria&
N!.
Ca-$g!r' Nu#/$r !2
R$(%!n"$n-(
P$r0$n-ag$
7. ucrati!e EH 6EJ
6. -on ucrati!e 76H IHJ
5. -o Idea 5H 7EJ
T!-a& 7<< 6<<
&ase 6HH respondents
(
*(
,(
.(
0(
)((
)*(

L"$rati6e
No%1
L"$rati6e
No
Idea
L"$rati6e
No%1L"$rati6e
No Idea
In-$r%r$-a-i!n
From the ta"le and graph a"o!e it can "e seen that
6EJ respondent2s perception a"out different products
is lucrati!e.
IHJ respondent2s perception a"out different products
is not lucrati!e.
7EJ respondent2s ha!e no idea.
F.?. ,o you want to open an account with +,FC "ankT
TA&9
S$ria&
N!.
Ca-$g!r' Nu#/$r !2
R$(%!n"$n-(
P$r0$n-ag$
7. Kes 7H EJ
6. -o 7IH =HJ
5. $ill tell later 5H 7EJ
TOTAL 7<< 6<<I
&ase 6HH respondents
(
*(
,(
.(
0(
)((
)*(
),(
).(
2es No Wi## te##
#ater
2es
No
Wi## te## #ater
In-$r%r$-a-i!n
From the ta"le and graph a"o!e it can "e seen that
=HJ respondents are not interested to open an
account with the "ank.
EJ respondents are interested to open an account
with the "ank.
7EJ of the respondents say that they will tell later.
F.6<. ,o you ha!e all the documents which are re(uired to
open an accountT
TA&9
S$ria&
N!.
Ca-$g!r' Nu#/$r !2
R$(%!n"$n-(
P$r0$n-ag$
7. Kes 76H IHJ
6. -o =H 8HJ
TOTAL 7<< 6<<I
&ase 6HH respondents
(
*(
,(
.(
0(
)((
)*(
2ES NO
2es
No
In-$r%r$-a-i!n
From the ta"le and graph a"o!e it can "e seen that
IHJ respondents ha!e all the documents which are
re(uired to open an account with the "ank.
6EJ respondents do not ha!e all the documents which
are re(uired to open an account with the "ank.
F.66. Are you aware that the "ank pro!ides you a free
,emat account if you open a new sa!ings
account with +,FC "ankT
TA&9
S$ria& Ca-$g!r' Nu#/$r !2 P$r0$n-ag$
N!. R$(%!n"$n-(
7. Kes 8H 6HJ
6. -o 7IH =HJ
TOTAL 7<< 6<<I
&ase 6HH respondents
(
*(
,(
.(
0(
)((
)*(
),(
).(
2es No
2es
No
In-$r%r$-a-i!n
From the ta"le and graph a"o!e it can "e seen that
6HJ respondents are aware that the "ank pro!ides a
free ,emat account with new sa!ings account.
8HJ respondents are not aware of it.
F.67.Are you aware of different terms and conditions which
are !ery much essential to maintain an account at
+,FC &ankT
TA&9
S$ria&
N!.
Ca-$g!r' Nu#/$r !2
R$(%!n"$n-(
P$r0$n-ag$
7. Kes 6E 66J
6. -o 7FE ==J
TOTAL 7<< 6<<I
&ase 6HH respondents
(
*(
,(
.(
0(
)((
)*(
),(
).(
)0(
2es No
2es
No
In-$r%r$-a-i!n
From the ta"le and graph a"o!e it can "e seen that
76J respondents are familiar with different terms and
conditions which are !ery much essential to maintain
account with the "ank.
==J respondents ha!e no idea a"out it.
F.68. ,o you know a"out +,FC &ank2s recruitment policies
related to sales e%ecuti!esT
TA&9
S$ria&
N!.
Ca-$g!r' Nu#/$r !2
R$(%!n"$n-(
P$r0$n-ag$
7. Kes =6 87J
6. -o 77= ECJ
TOTAL 7<< 6<<I
&ase 6HH respondents
(
*(
,(
.(
0(
)((
)*(
2es No
2es
No
In-$r%r$-a-i!n
From the ta"le and graph a"o!e it can "e seen that
87J respondents are known a"out +,FC &ank2s
recruitment policies related to sales e%ecuti!es.
ECJ respondents are not known a"out +,FC &ank2s
recruitment policies related to sales e%ecuti!es.
C+APT9#:I
C*-C/SI*-S
A-,
S/>>9STI*-S
>.6 CONCLUSIONSA
+,FC &ank, the "anking arm of +,FC is
e%pected to go on stream. The "ank already has good
num"er of employees on "oard and is recruiting Sales
9%ecuti!es hea!ily to take the headcount to many more. It
is on the "rim of increasing its customers through its
attracti!e schemes and offer.

The project opportunities pro!ided was
market segmentation and identifying prospecti!e customers
in potential geographical location and con!incing them to
open an account so that new &usiness *pportunities of the
"ank can "e e%plored. Through this project, it could "e
concluded that people are not much aware a"out the !arious
products of the "ank and many of them not interested to
open an account at all.

Ser!ices was considered as unsought good
which re(uire hard core selling, "ut in changing trend in
income and people "ecoming financially literate, the demand
for "anking sector is increasing day "y day.

According to my findings Company2s
promotional acti!ities for recruiting sales e%ecuti!es are also
!ery less.

So, at last the conclusion is that there is
tough competition ahead for the company from its major
competitors in the "anking sector.

ast "ut not the least I would like to thank
+,FC &ank for gi!ing me an opportunity to work in the field
of 3arketing. I hope the company finds my analysis
rele!ant.
>.7 SUGGESTIONSA
Finally some recommendations for the company are as
fallows1:
To make people aware a"out the "enefit of "ecoming
+,FC &ank2s Sales 9%ecuti!e, following acti!ities of
ad!ertisement should "e done through
7. Print 3edia.
6. +oarding ) &anners.
5. Stalls in Trade Fares
8. ,istri"ution of leaflets containing details information.
The "ank should pro!ide life time !alid AT3 card to all
its customers.
3inimum "alance for sa!ings account should "e
reduced from #s EHHH to #s 7HHH, so that people who
are not financially strong enough can maintain their
account properly.
The company should pro!ide a pass "ook to all its
customers.
3ake people understand a"out the !arious "enefits of
its products.
Company should organi'e the program in the society,
so that people will "e aware a"out the company and
different products of the "ank.
Company should open more "ranches in different
cities.
C+APT9#: F
I3ITATI*-S
LIMITATIONS
9!ery work has its own limitation. imitations are
e%tent to which the process should not e%ceed. imitations
of this project are1:
The project was constrained "y time limit of two
months.
3indset of people may !ery depending upon their age,
gender, income etc.
>etting appointment from the concern person was
!ery difficult.
People mind set a"out the sur!ey was an o"stacle in
ac(uiring complete information ) positi!e interaction.
#espondents were !ery "usy in their schedule. So it
was !ery time consuming for them to answer all the
(uestions properly.
ANNE@URES
6. FUESTIONNAIRE
FUESTIONNAIRE
,ear Sir03adam,
-ame1 UUUUUUUUUUUUUUUUUUUUUUUUUUU
Address1 UUUUUUUUUUUUUUUUUUUUUUUUUU
Contact -o 1VUUUUUU@ *AUUUUUU @3AUUUUUUUUU
City1 UUU...............Pin1 UUUUUUU.State1 UUUUUUUUU
I am a student of >o!t.P.>. &angur Collage, Pali @#aj.A
and presently doing a project on ,OPENING SAVINGS +
CURRENT ACCOUNT BY MEETING CUSTOMERS3.

I re(uest you to kindly fill the (uestionnaire "elow and
I assure you that the data generated shall "e kept
confidential.
6. Y!ur Ag$A JJJJJJJJJJJJJJJJJJJJ
7. E"u0a-i!n Fua&i2i0a-i!n.
/ndergraduate W
>raduate W
Post graduate W
8. Mari-a& S-a-u(.
3arried W
Single W
-o. of Children1 XXXXXXXXXX
9. Nu#/$r O2 '$ar4( Ar$ Y!u in Pa&i.
ess than fi!e year2s W
3ore than fi!e year2s W
=. O00u%a-i!n.
&usiness W
Profession W
Ser!ice W
@Please mention "elow the type of "usiness0profession you
are in incase of ser!ice please mention your organi'ation
name and designationA
>. Y!ur annua& h!u($h!&" in0!#$.
Ythan 6 lack W
&etween 6 to E lack W
&etween E to = lack W
Zthan = lack W
;. Ar$ '!u a #$#/$r !2 a C&u/KG'#L
Kes W
-o W
If yes, -ame of the Clu"0>ym
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
D. Bha- i( '!ur %$r0$%-i!n a/!u- "i22$r$n- %r!"u0-(
an" ($r.i0$( !22$r$" /' HDFC Ban5L
ucrati!e W
-ot lucrati!e W
-o idea W
?. D! '!u 1an- -! !%$n a Sa.ing( A00!un- !r Curr$n-
A00!un- 1i-h HDFC Ban5L
Kes W
-o W
$ill tell later W
6<. D! '!u ha.$ a&& -h$ "!0u#$n-( 1hi0h ar$ r$Muir$"
-! !%$n an a00!un-L
Kes W
-o W
66. Ar$ '!u a1ar$ !2 -ha- HDFC Ban5 %r!.i"$ '!u a
2r$$ D$#a- a00!un- i2 '!u !%$n a n$1 (a.ing(
a00!un- 1i-h -h$ /an5L
Kes W
-o W
67. Ar$ '!u a1ar$ !2 "i22$r$n- -$r#( an" 0!n"i-i!n(
1hi0h ar$ .$r' #u0h $(($n-ia& -! #ain-ain an
a00!un- a- HDFC Ban5L
Kes W
-o W
68. D! '!u 5n!1 a/!u- HDFC Ban54( r$0rui-#$n-
%!&i0i$( r$&a-$" -! (a&$( $C$0u-i.$(L
Kes W
-o W
Da-$A
P&a0$A Tha%< 2o" Signa-ur$
BIBLIOGRAPHY
6. BOOKS AUTHORS
3arketing 3anagement @7Hth 9ditionA Philip .otler
3arketing 3anagement @5rd 9ditionA L.S. #amaswamy
#esearch 3ethodology @6nd 9ditionA
#esearch 3ethodology
7. NEBS PAPERS
Times of India
Financial 9%press
8. BEBSITES
www.hdfc"ank.com
www.google.com
www.scri"d.com