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Boi and HDFC

The document compares customer relationship management services provided by Bank of India (BOI) and HDFC Bank. It summarizes their deposit accounts, interest rates on fixed deposits and recurring deposits, personal loan and education loan terms, mutual fund details for selected schemes, insurance products offered, and other services such as ATMs, demat accounts, and merchant banking services (which BOI does not provide). The table format allows for an easy side-by-side comparison of key offerings between the two financial institutions.

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Dharmik
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111 views24 pages

Boi and HDFC

The document compares customer relationship management services provided by Bank of India (BOI) and HDFC Bank. It summarizes their deposit accounts, interest rates on fixed deposits and recurring deposits, personal loan and education loan terms, mutual fund details for selected schemes, insurance products offered, and other services such as ATMs, demat accounts, and merchant banking services (which BOI does not provide). The table format allows for an easy side-by-side comparison of key offerings between the two financial institutions.

Uploaded by

Dharmik
Copyright
© Attribution Non-Commercial (BY-NC)
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PPTX, PDF, TXT or read online on Scribd
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Customer Relationship Management in Financial Services

T.Y.B.F.M. 6th

PROF.Eralee shah

2012-13

Name
Priyank Darji

Roll No.
07

Hardik Nathwani
Shashank Pai Sagar Panchal Dharmik Patel Kush Shah

25
26 27 30 38

Siddarth Tawde

45

INTRODUCTION OF BOI
Bank of India was founded on 7th September, 1906 by a group of eminent businessmen from Mumbai. Bank was under private ownership and control till July 1969 when it was nationalised along with 13 other banks. The Bank has 4038 branches in India spread over all states/ union territories including specialized branches. These branches are controlled through 50 Zonal Offices. There are 29 branches/ offices (including five representative offices) and 3 Subsidaries and 1 joint venture abroad. Bank of India was the first Indian Bank to open a branch outside the country, at London, in 1946, and also the first to open a branch in Europe, Paris in 1974. The Bank has sizable presence abroad, with a network of 29 branches (including five representative office) at key banking and financial centres viz. London, Newyork, Paris, Tokyo, Hong-Kong and Singapore

INTRODUCTION OF HDFC BANK


HDFC Bank Limited (Housing Development Finance Corporation) is a major bank in India. It was incorporated in 1994 and is a publicly held banking company. Its shares are listed on the Bombay Stock Exchange Limited and on the National Stock Exchange of India Limited. It also has American Depository Shares listed on the NYSE and GDRs listed on the Luxembourg Stock Exchange. It provides banking services and products to are variety of customers including consumer banking, NRI banking, private banking, SME banking and corporate banking. HDFC Bank keeps the credit of the first bank in India to launch an International Debit Card in association with VISA (Visa Electron). As a fast growing bank it has a network of 2,776 Branches and 10,490 ATM's in 1568 Indian towns and cities.

DEPOSIT
DEPOSIT Minimum deposit Saving account Current account Recurring deposit 1000/5000/500 p.m BOI Interest rate 4% nil 9% No Interest will be paid if payment is taken within three months Minimum deposit 10000/10000/500 p.m HDFC Interest rate 4% nil 1 year For regular account 8% and for senior citizen 8.5%

FIXED DEPOSIT
Period BOI ( up to 15lac) Interest rate(% p.a.) General 1 year to 2 years 9.00 HDFC (up to 15lac) Interest rate(% p.a.) Senior citizen 9.25

Senior citizen General 9.50 8.75

2 year to 3 years
3 year to 5 years 5 year to 8 years 8 year to 10 year

9.00
9.00 9.00 8.75

9.50
9.50 9.70 9.80

8.75
8.75 8.25 8.25

9.25
9.25 8.75 8.75

LOANS
BOI HOME LOAN
Rates Upto and including Rs 30 lacs

HDFC HOME LOAN


Fixed Interest Rate 12.25% Flexible Interest Rate 10.75%

Rs.30.01 lacs to Rs.75 lacs Rs.75.01 lacs and above

12.50% 13.00%

11.00% 11.50%

BOI PERSONAL LOAN

HDFC PERSONAL LOAN


Loan Amount Upto Rs 15,00,000/- depending on your income and repayment capacity. Salaried/Self Employed - 15.75% to 22.25% 12 to 60 months. Upto 4% of the Principal Outstanding. Loan Processing Charges are upto 2%

Interest Rate Tenure Pre Payment Charges Service Charges

BOI EDUCATION LOAN

HDFC EDUCATION LOAN


Loan Amount Interest Rate Tenure Loans upto Rs.15 Lakhs for Education in India and upto Rs.20 Lakhs for Education abroad 14% p.a Repayment to start 1 year after course completion / 6 months after obtaining employment (whichever is earlier). Loan available upto tenure of 7 years including moratorium period Upto 4% of the Principal Outstanding after 6 months of repayment Processing Fee: Upto a maximum 2% of the loan amount

Pre Payment Charges Service Charges

MUTUAL FUND
Mutual Fund
Setup Date Incorporation Date Sponsor

BOI AXA Mutual Fund


Mar-31-2008 Aug-13-2007 Bank of India and AXA Investment Managers BOI AXA Trustee Services Private Limited N.A Mr Sandeep Dasgupta

HDFC Mutual Fund


Jun-30-2000 Dec-10-1999 Housing Development Finance Corporation Limited, Standard Life Investments Limited HDFC Trustee Company Limited Mr. Deepak Parekh Mr. Milind Barve

Trustee Chairman CEO / MD

CIO
Compliance Officer Investor Service Officer

Mr. Alok Singh


Mr. Rajesh Chawathe Mr. Shubro Sankha Das Sharma

Mr. Prashant Jain


Mr. Yezdi Khariwala Mr. John Mathews

Assets Managed

Rs. 661.14 crore (Dec-31-2012)

Rs. 101392.54 crore (Dec-31-2012)

SCHEME DETAILS
BOI AXA EQUITY FUND Fund Type Open-Ended HDFC TOP 200 FUND Open-Ended

Investment Plan

Growth

Growth Oct 01,2008 S&P CNX NIFTY 0.43(Nov 30- 2008)

Launch date
Benchmark Asset Size (Rs cr)

Aug 19, 1996


BSE-200 12,122.20 (Dec-31-2012)

Minimum Investment
Fund Manager

Rs.5000
Prashant Jain / Miten Lathia

Rs.5000
GAURAV KAPUR

Entry Load Exit Load

N.A 1.00%

N.A 1.00%

INSURANCE
BOI
1. Star Flier Scheme

HDFC 1. Childrens Plan

2. Other Products offered at specially reduced rates to BOI Customers


Domestic Travel Insurance Health Insurance Scheme

2. Term Plan
3. Saving & Investment Plan 4. Other Insurance
Health Insurance Motor Insurance Travel Insurance Home Insurance

3. Insurance cover offered along with other Loans/Products


Home Loan Assurance Scheme (Optional ) Educational Loan Insurance Scheme (Optional)

OTHER SERVICE
BOI
ATM Depository service Tax Payment Safe Deposit Vault Gold Coin ASBA Mobile banking Online trading Book ticket Debit card Credit card Internet banking

HDFC BANK
ATM Demat service Tax payment Debit card Credit card Prepaid card Internet banking Mobile banking NEFT/RTGS E-net Doorstep banking ECS Debit & credit

MERCHANT BANKING SERVICE


BOI They do not provide merchant banking service HDFC Project appraisal, structured finance, loan syndication and debt capital markets Equity Placement M&A and Corporate Advisory Services

Capital Market Advisory Services

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