A Study On Banking Services of HDFC Bank

A Synopsis
On
“A STUDY ON BANKING SERVICES OF HDFC

BANK”
(New Delhi)
Submitted in partial fulfillment of the requirement for the
award of the degree of
MASTER of Business Administration
Submitted by
Name: Alka Gautam

Roll No.: 1505003833
Course: MBA (Finance)
(A Survey Conducted at New Delhi)
This is well known saying “knowledge without application is a waste”.
So it is very necessary to provide the practical knowledge along with the theoretical
knowledge. It is very easy to study the financial aspect of Business. But is somehow to implement
them with in the through of the actual atmosphere of business. No doubt classroom study is in
important part for the knowledge of Business Environment, but practical exposure provide some
extra knowledge about the rhetorical concept.
My project is directed towards “A study on banking services of HDFC bank”. For this I
have conducted the survey and find out the relevant information.
INTRODUCTION
HDFC bank is a commercial bank of India, promoted by the housing development finance
corporation, a premier housing finance company of India. The company headquarters are situated
in Mumbai and has around all the branches in 528 cities which are all linked on an online real-
time basis. HDFC bank is a type of public company and was founded by Mr. Deepak Parekh.
The bank has approximately assets of INR 1006.82 billion. For the fiscal year 2016-17, the bank
has reported net profit of Rs. 2,244.9 crore, up 41% from the previous fiscal. Total annual earnings
of the bank increased by 58% reaching at Rs 19,622.8 crore in 2016-17. In a milestone transaction
in the Indian banking industry. Times bank limited was merged with HDFC bank Ltd. In 2000.
This was the first merger of two private banks in India. As per the scheme of amalgamation
approved by the shareholders of both banks and the reserve bank of India, shareholders of times
bank received 1 share of HDFC bank for every 5.75 shares of Times Bank.
In 2008 HDFC bank acquired centurion bank of Punjab taking its total branches to more than 1000.
The amalgamated bank emerged with a strong deposit base around Rs.1,22,000 crore and net
advances of around 89,000 crore
firm’s liquidity and vice versa. The point to note is that a ratio reflecting a quantitative relationship
helps to form a qualitative judgment. Such is the nature of all financial ratios.
2. Objectives of the study:
 To examine the financial performance of the Vijay Electricals Ltd. for the period of
2003 to 2007.
 To analyses interpret and to suggest the operational efficiency of the Vijay Electricals
Ltd. by comparing the balance sheet& profit & loss A\c
 To critically analyses the financial performance of the Vijay Electricals Ltd. With
Help of the ratios.
REVIEW OF LITERATURE
Doing the survey, it was really an opportunity before me when I could convert my theoretical
knowledge into practical and of real world type. Financial statements have two major uses in
financial analysis. first, they are used to present a historical recover of the firm’s financial
development. Second, they are used for a course of action for the firm.
A performance financial statement is prepared for a future period. It is the financial manager’s
estimate of the firm’s future performance. The operation and performance of a business depends
on many individuals are collective decisions that are continually made by its management team.
Every one of these decisions ultimately causes a financial impact, for better or works on the
condition and the periodic results of the business. In essence, the process of managing involves a
series of economic choices that activates moments of financial resources connected with the
business.
Some of the decisions made by management one will be the major, such as investment in a new
facility, raising large amounts of debts or adding a new line of products or services. Most other
decisions are part of the day to day process in which every functional area of the business is
managed. The combine of effect of all decisions can be observed periodically when the
performance of the business is judged through various financial statements and special analysis.
The Main Problem of the statements is
1) Although extremely valuable as analytical tools, financial ratios also have

limitations. They can serve as screening devices ,indicate areas of
potential strength or weakness, and reveal matters that need further
investigation.
2) Should be used in combinations with other elements of financial

analysis.
3) There is no one definitive set of key ratios; there is no uniform definition

for all ratios; and there is no standard that should be met for each ratio.
4) There are no "rules of thumb" that apply to the interpretation of financial

ratios
RESEARCH METHODOLOGY
Research is defined as human activity based on intellectual application in the investigation

of matter. The primary aim for applied research is discovering, interpreting, and the development
of methods and systems for the advancement of human knowledge on a wide variety of scientific
matters of our world and the universe. It is exploratory and often driven by the researcher’s
curiosity, interest, and intuition. It is conducted without any practical end in mind, although it may
have unexpected results pointing to practical applications.
TYPES OF RESEARCH:
To accomplish the objective of the study, descriptive research design is adopted to collect
the data from the consumers of the different brands. Descriptive research simply describes things
such as demography characteristics of consumers who use the product. The descriptive study is
typically concerned with determining frequency with which same thing occurs. This study is
typically guided by initial hypothesis.
DATA COLLECTION METHODS:
For any research these two types of data are necessary:
1. Primary data
2. Secondary data
Primary Data:
For this project the primary data is collected in four ways:
Through observations, Through discussion (Department Heads & Executives), Through

questionnaires and Through Sampling procedure
Secondary Data:
The secondary data is collected from various sources available with in the organization
like Organizational web site, Company Past records, Library books, Internet, Annual reports,
Consulting administrative staff and from Consulting marketing Managers
SAMPLING:
“Sampling may be defined as the selection of an aggregate or totally on the basis of

which a judgment of reference about the aggregate of totally is made. “Sampling is used in
conducting surveys and in studying various problems concerning production management, time
and motion studies, market research, various areas of accounting and finance and the like.
 Sample size:
For the project 50 customers were taken into consideration and they are selected on the
random basis.
 Method of sampling:
The method of sampling, which selected, is “non probability convenience sampling “.
In this method the sample insights are chosen primarily on basis of my convenience.
The sample technique adopted for carrying out the survey is stratified random.
STATISTICAL TOOLS:
Statistical techniques are to obtain findings and average information in logical sequence
from the raw data collected. After tabulation of data research have used the following
quantitative technique.
 Percentage analysis
 Charts
 PERCENTAGE ANALYSIS
Percentage refers to special kind of ratio. This method is used as making comparsion
between two or more services of data. Persenatage are used to decidable relationship. Persentage
can also used to compare thge relative terries, the distribution of two or more services of data
 CHARTS
Bar charts and pie charts are used to get a clear look at the tabulated data.
FINDINGS
On the overall evaluation at each and every aspect, the following findings are found.
 Liquidity ratios have continuously gone under various fluctuations in the last five years. How
ever the ratios are more than the industry standard. This indicates excess cash is maintained
in the organization.
 Leverage ratios are as per the industry norm of 3:1 and it is more or less is maintained steadily
in 5years.
 Turnover ratios are also in line with the standards.
 Although a net profit ratio has been maintained constantly in the last three years ie 2003,
2004, 2005 it has shown steady improvement in the next 2 years.
 Return on investments (ROI) and Return on equity (ROE) have declined drastically during
the last two years.
ORGANIZATION OF STUDY
Chapter-I Introduction towards Topic
Chapter-II Industry Profile
Chapter-III Literature Review
Chapter-IV Research Methodology
Chapter-V Data Analysis and Interpretations
Suggestions
Annexures
Questionnaire
Bibliography

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A Synopsis

“A STUDY ON BANKING SERVICES OF HDFC

Submitted in partial fulfillment of the requirement for the

award of the degree of

MASTER of Business Administration

Name: Alka Gautam

This is well known saying “knowledge without application is a waste”.

2. Objectives of the study:

The Main Problem of the statements is

1) Although extremely valuable as analytical tools, financial ratios also have

2) Should be used in combinations with other elements of financial

3) There is no one definitive set of key ratios; there is no uniform definition

4) There are no "rules of thumb" that apply to the interpretation of financial

Research is defined as human activity based on intellectual application in the investigation

DATA COLLECTION METHODS:

For any research these two types of data are necessary:

For this project the primary data is collected in four ways:

Through observations, Through discussion (Department Heads & Executives), Through

“Sampling may be defined as the selection of an aggregate or totally on the basis of

 Turnover ratios are also in line with the standards.

Chapter-I Introduction towards Topic

Chapter-II Industry Profile

Chapter-III Literature Review

Chapter-IV Research Methodology

Chapter-V Data Analysis and Interpretations

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