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A PROJECT REPORT ON
³SALES AND PRAMOTION OF CAR LOAN AT HDFC BANK
RAIPUR´
SUBMITTED BY
ALOK SHARMA
MMM-3rdSem.
YEAR 2009-2011
UNDER THE GUIDANCE OFPROF.MEENAL PANDSE MR.SAURABH MUKHARJEE
INTERNAL GUIDE EXTERNAL GUIDE
SUBMITTED TO
UNIVERSITY OF PUNE
IN PARTIAL FULFILLMENT OFMASTER IN MARKETING MANAGEMENT
MATRIX BUSINESS SCHOOLPUNE-410041
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Declaration
I, the undersigned ALOK SHARMA a, declare that the Project Report titled as ,³SALES AN
PRAMOTION OF CAR LOAN AT HDFC BANK RAIPUR´, submitted by me for parti
fulfillment of Masters in Marketing Management (MMM) is the original record of the proje
work carried out by me during the period from ______________ to _________________, und
the able guidance of Mrs. Prof. Meenal pandes and the same has not formed the basis for th
award of any degree, diploma, association, fellowship, titles ± in or for any other Statutor
University or Autonomous Institutions functioning in India or abroad imparting high
education in Management.
Date: _________
Place: Pune. ALOK SHARMA
MMM ± 3rd
Sem.
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CERTIFICATE
This is to certify that project report titled ³SALES AND PRAMOTION OF CAR LOAN AT
HDFC BANK RAIPUR ́ is a bonafide work carried out by MR. Alok Sharma of MMM-III
of Matrix Business School for fulfillment of MMM degree of Pune University. He has worked
under our guidance and direction.
Dr. J.N POL
Signature of Director Signature of Guide
Date: Date:
Place: Pune Place: Pune
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ACKNOWLEDGEMENT
A successful project can never be prepared by the single effort or the person twhom project is assigned, but it also demand the help and guardianship of som
conversant person who helps in the undersigned actively or passively in th
completion of successful project.
With great pleasure I express my gratitude to our director Dr.J.N.Pol and projec
guide Prof. Meenal pandse without their help this would not have been completed
They have given their precious suggestions and constructive guidance which hav
been indispensable in the completion of this project work.
I would also like to thank the staff of the Matrix Business School since they hav
supported me in this endeavor, and appreciated me in my efforts during my project
ALOK SHARMA
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INDEX
r. No. Title Page No.
1 Introduction 7-13
2 Company Profile and Product Profile 24-27
3 Research Objectives, Research Methodology &Research Limitations
49-52
4 Data analysis and Interpretation 56-72
5 Findings, Conclusions and Suggestions 73-74
6 Annexure 75-78
7 Bibliography 79-80
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INTRODUCTION
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Introduction
The project is concerned with the ³SALES AND PRAMOTION OF CAR LOAN AT
HDFC BANK RAIPUR.
. The financial services sector and capital markets have a significant influence on ho
Economies develop, principally through their role in allocating financial capital betwee
different economic activities, as well as through their own operations, not only do bank
Manage their own financial and sustainability performance, they are in a position to influenc
Socio-economic and environmental performance in client organizations and through the
Lending strategies. In this report, we examine whether and how leading banks manage th
corporate economic impacts of their core lending activities.
The aim of this research is to explore whether banks account for the types of economic Impac
arising from their lending activities. It asks who the real beneficiaries of bank are lendin
activity and whether banks take this in to account in their core business decisions. Specifically
it questions how some banks understand their economic impacts and whether and how th
informed the development and delivery of lending products and services. Accountability an
BSR have developed a methodology through which companies can begin to articulate an
account for the economic impacts of their business activities, employment, Procuremen
product and service development and delivery ,contribution to taxes, investment A
philanthropy.
This report focuses on the bank lending sector¶s product Development and delivery busine
function, and through this explores corporate understanding And accountability of banks. As fo
all sectors, there is less data on product-related impacts than other for other aspects of busines
activity, which is a critical impact area for banks.
This study explores whether and how banks understand and manage the economic impacts o
their products ± through product development, use and delivery of loan products ± on th
communities that use them. This relates to both production-side economic impacts an
consumption side product-related economic impacts. Production-side impacts might include th
operations of bank branches, and might include employment, sourcing from local suppliers an
environmental impacts. While the impact of these activities is important, the most significaneconomic impacts are likely to accrue to customers and the wider economy. Consumption-sid
economic impacts relate directly to the access to finance debate, as well as questions that hav
arisen over who banks lend to and for what type of economic activity. Most attention on bank
in this area has focused on project finance for large and environmentally sensitive projec
.Access to finance refers to the lack of availability of finance to specific communities. Thes
issues have largely defined the corporate responsibility of banks in the eyes of some majo
stakeholders.
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COMPANY
&
PRODUCT
PROFILE
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COMPANY PROFILE
The Housing Development Finance Corporation Limited (HDFC) was amongst the firstto receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a
bank in the private sector, as part of the RBI's liberalization of the Indian Banking
Industry in 1994. The bank was incorporated in August 1994 in the name of 'HDFC Bank
Limited', with its registered office in Mumbai, India. HDFC Bank commenced operations
as a Scheduled Commercial Bank in January 1995
PROMOTOR
HDFC is India's premier housing finance company and enjoys an impeccable track
record in India as well as in international markets. Since its inception in 1977, the
Corporation has maintained a consistent and healthy growth in its operations to remain
the market leader in mortgages. Its outstanding loan portfolio covers well over a million
dwelling units. HDFC has developed significant expertise in retail mortgage loans to
different market segments and also has a large corporate client base for its housing
related credit facilities. With its experience in the financial markets, a strong market
reputation, large shareholder base and unique consumer franchise, HDFC was ideally
positioned to promote a bank in the Indian environment.
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BUSINESS FOCUS
HDFC Bank's mission is to be a World-Class Indian Bank. The objective is to build sound
customer franchises across distinct businesses so as to be the preferred provider of banking
services for target retail and wholesale customer segments, and to achieve healthy growth in
profitability, consistent with the bank's risk appetite. The bank is committed to maintain the
highest level of ethical standards, professional integrity, corporate governance and regulatory
compliance. HDFC Bank's business philosophy is based on four core values - Operational
Excellence, Customer Focus, Product Leadership and People.
CAPITAL STR UCTURE
As on 30th June, 2010 the authorized share capital of the Bank is Rs. 550 corer. The
paid-up capital as on said date is Rs. 459, 69,07,030/- (45,96,90,703 equity shares of Rs.
10/- each). The HDFC Group holds 23.63 % of the Bank's equity and about 17.05 % of
the equity is held by the ADS Depository (in respect of the bank's American Depository
Shares (ADS) Issue). 27.45% of the equity is held by Foreign Institutional Investors
(FIIs) and the Bank has about 4,33,078 shareholders.
The shares are listed on the Bombay Stock Exchange Limited and The National Stock
Exchange of India Limited. The Bank's American Depository Shares (ADS) are listed on
the New York Stock Exchange (NYSE) under the symbol 'HDB' and the Bank's Global
Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange under ISIN No
US40415F2002
CBOP &TIMES BANK AMALGAMATION
On May 23, 2008, the amalgamation of Centurion Bank of Punjab with HDFC Bank was
formally approved by Reserve Bank of India to complete the statutory and regulatory
approval process. As per the scheme of amalgamation, shareholders of CBOP received 1
share of HDFC Bank for every 29 shares of CBOP.
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The merged entity will have a strong deposit base of around Rs. 1,22,000 crore and n
advances of around Rs. 89,000 crore. The balance sheet size of the combined entity would b
over Rs. 1,63,000 core.. The amalgamation added significant value to HDFC Bank in terms o
increased branch network, geographic reach, and customer base, and a bigger pool of skillemanpower.
In a milestone transaction in the Indian banking industry, Times Bank Limited (another new
private sector bank promoted by Bennett, Coleman & Co. / Times Group) was merged wi
HDFC Bank Ltd., effective February 26, 2000. This was the first merger of two private banks i
the New Generation Private Sector Banks. As per the scheme of amalgamation approved by th
shareholders of both banks and the Reserve Bank of India, shareholders of Times Bank receive
1 share of HDFC Bank for every 5.75 shares of Times Bank
DISRTIBUTION NETWORK
HDFC Bank is headquartered in Mumbai. The Bank at present has an enviable network of 1,72
branches spread in 780 cities across India .All branches are linked on an online real-time basi
Customers in over 500 locations are also serviced through Telephone Banking. The Bank
expansion plans take into account the need to have a presence in all major industrial an
commercial centers where its corporate customers are located as well as the need to build
strong retail customer base for both deposits and loan products. Being a clearing/settlemen
bank to various leading stock exchanges, the Bank has branches in the centers where t
NSE/BSE have a strong and active member
The Bank also has 4,393 networked ATMs across these cities. Moreover, HDFC Bank's ATM
network can be accessed by all domestic and international Visa/MasterCard, Vis
Electron/Maestro, Plus/Cirrus and American Express Credit/Charge cardholders
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MANAGEMENT
Mr. C.M. Vasudev has been appointed as the Chairman of the Bank with effect from
6th July 2010 subject to the approval of the Reserve Bank of India and the shareholders.
Mr. Vasudev has been a Director of the Bank since October 2006. A retired IAS officer,
Mr. Vasudev has had an illustrious career in the civil services and has held several key
positions in India and overseas, including Finance Secretary, Government of India,
Executive Director, World Bank and Government nominee on the Boards of many
companies in the financial sector.
The Managing Director, Mr. Aditya Puri, has been a professional banker for over 25
years, and before joining HDFC Bank in 1994 was heading Citibank's operations inMalaysia.
The Bank's Board of Directors is composed of eminent individuals with a wealth of
experience in public policy, administration, industry and commercial banking. Senior
executives representing HDFC are also on the Board.
Senior banking professionals with substantial experience in India and abroad head
various businesses and functions and report to the Managing Director. Given the
professional expertise of the management team and the overall focus on recruiting and
retaining the best talent in the industry, the bank believes that its people are a significant
competitive strength.
TECHNOLOGY
HDFC Bank operates in a highly automated environment in terms of information
technology and communication systems. All the bank's branches have online
connectivity, which enables the bank to offer speedy funds transfer facilities to its
customers. Multi-branch access is also provided to retail customers through the branch
network and Automated Teller Machines (ATMs).
The Bank has made substantial efforts and investments in acquiring the best technology
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available internationally, to build the infrastructure for a world class bank. The Bank's
business is supported by scalable and robust systems which ensure that our clients always
get the finest services we offer.
The Bank has prioritized its engagement in technology and the internet as one of its keygoals and has already made significant progress in web-enabling its core businesses. In
each of its businesses, the Bank has succeeded in leveraging its market position, expertise
and technology to create a competitive advantage and build market share.
BUSINESS
HDFC Bank offers a wide range of commercial and transactional banking services and treasur
products to wholesale and retail customers. The bank has three key business segments:
Wholesale Banking Services
The Bank's target market ranges from large, blue-chip manufacturing companies in the
Indian corporate to small & mid-sized corporates and agri-based businesses. For these
customers, the Bank provides a wide range of commercial and transactional banking
services, including working capital finance, trade services, transactional services, cash
management, etc. The bank is also a leading provider of structured solutions, which
combine cash management services with vendor and distributor finance for facilitating
superior supply chain management for its corporate customers. Based on its superior
product delivery / service levels and strong customer orientation, the Bank has made
significant inroads into the banking consortia of a number of leading Indian corporate
including multinationals, companies from the domestic business houses and prime public
sector companies. It is recognised as a leading provider of cash management and
transactional banking solutions to corporate customers, mutual funds, stock exchange
members and banks.
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R etail Banking Services
The objective of the Retail Bank is to provide its target market customers a full range of
financial products and banking services, giving the customer a one-stop window for all
his/her banking requirements. The products are backed by world-class service and delivered
to customers through the growing branch network, as well as through alternative delivery
channels like ATMs, Phone Banking, Net Banking and Mobile Banking.
The HDFC Bank Preferred program for high net worth individuals, the HDFC Bank Plus
and the Investment Advisory Services programs have been designed keeping in mind needs
of customers who seek distinct financial solutions, information and advice on various
investment avenues. The Bank also has a wide array of retail loan products including Auto
Loans, Loans against marketable securities, Personal Loans and Loans for Two-wheelers. I
is also a leading provider of Depository Participant (DP) services for retail customers,
providing customers the facility to hold their investments in electronic form.
HDFC Bank was the first bank in India to launch an International Debit Card in association
with VISA (VISA Electron) and issues the Master card Maestro debit card as well. The
Bank launched its credit card business in late 2001. By March 2010, the bank had a total
card base (debit and credit cards) of over 14 million. The Bank is also one of the leading
players in the ³merchant acquiring´ business with over 90,000 Point-of-sale (POS)
terminals for debit / credit cards acceptance at merchant establishments. The Bank is well
positioned as a leader in various net based B2C opportunities including a wide range of
internet banking services for Fixed Deposits, Loans, Bill Payments.
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Treasury
Within this business, the bank has three main product areas - Foreign Exchange and
Derivatives, Local Currency Money Market & Debt Securities, and Equities. With thliberalisation of the financial markets in India, corporate need more sophisticated ris
management information, advice and product structures. These and fine pricing on variou
treasury products are provided through the bank's Treasury team. To comply with statutor
reserve requirements, the bank is required to hold 25% of its deposits in governmen
securities. The Treasury business is responsible for managing the returns and market risk o
this investment portfolio.
RATING
Credit R ating
The Bank has its deposit programs rated by two rating agencies - Credit Analysis &
Research Limited (CARE) and Fitch Ratings India Private Limited. The Bank's Fixed
Deposit programme has been rated 'CARE AAA (FD)' [Triple A] by CARE, which
represents instruments considered to be "of the best quality, carrying negligible investment
risk". CARE has also rated the bank's Certificate of Deposit (CD) programme "PR 1+"
which represents "superior capacity for repayment of short term promissory obligations".
Fitch Ratings India Pvt. Ltd. (100% subsidiary of Fitch Inc.) has assigned the "AAA ( ind )
rating to the Bank's deposit programme, with the outlook on the rating as "stable". This
rating indicates "highest credit quality" where "protection factors are very high"The Bank also has its long term unsecured, subordinated (Tier II) Bonds rated by CARE
and Fitch Ratings India Private Limited and its Tier I perpetual Bonds and Upper Tier II
Bonds rated by CARE and CRISIL Ltd. CARE has assigned the rating of "CARE AAA" fo
the subordinated Tier II Bonds while Fitch Ratings India Pvt. Ltd. has assigned the rating
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"AAA (ind)" with the outlook on the rating as "stable". CARE has also assigned "CARE
AAA [Triple A]" for the Banks Perpetual bond and Upper Tier II bond issues. CRISIL has
assigned the rating "AAA / Stable" for the Bank's Perpetual Debt programme and Upper
Tier II Bond issue. In each of the cases referred to above, the ratings awarded were thehighest assigned by the rating agency for those instruments.
Corporate Governance R ating
The bank was one of the first four companies, which subjected itself to a Corporat
Governance and Value Creation (GVC) rating by the rating agency, The Credit Rating
Information Services of India Limited (CRISIL). The rating provides an independen
assessment of an entity's current performance and an expectation on its "balanced valu
creation and corporate governance practices" in future. The bank has been assigned
'CRISIL GVC Level 1' rating which indicates that the bank's capability with respect t
wealth creation for all its stakeholders while adopting sound corporate governance practice
is the highest.
PRODUCT AT A GLANCE
PER SONAL BANK ING SERVICES
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Savings Accounts
Regular Savings Account
Savings Plus Account
Savings Max Account
Senior Citizens Account
No Frills Account
Institutional Savings Account
Salary Accounts
Payroll
Classic
Regular
Premium
No Frills Salary Account
Reimbursement Current Account
Kid's Advantage Account
Pension Saving Bank Account
Family Savings Group
Kisan No Frills Savings
Kisan Club Savings
Current Accounts
Plus Current Account
Trade Current Account
Premium Current Account
Regular Current Account
RFC - Domestic Account
Flexi Current Account
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Apex Current Account
Max Current Account
Merchant Advantage Current Account
Merchant Advantage Plus Current Account
Fixed Deposits
Regular Fixed Deposit
5 Year Tax Saving Fixed Deposit
Super Saver Facility
Sweep-in Facility
Recurring Deposit
Demat Account
Safe Deposit Lockers
LOANS
Personal Loans
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Smart Draft
Home Loans
Two Wheeler Loans
New Car Loans
Used Car Loans
Gold Loan
Educational Loan
Loan Against Securities
Loan Against Property
Loans Against Rental Receivables
Health Care Finance
Retail Agriculture Loans
Tractor Loans
Commercial Vehicle Finance
Working Capital Finance
Construction Equipment Finance
Warehouse Receipt Loans
CREDIT CAR DS
Silver Credit Card
Value Plus Credit Card
Gold Credit Card
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Titanium Credit Card
Woman's Gold Credit Card
Platinum Plus Credit Card
Visa Signature Credit Card
World MasterCard Credit Card
Corporate Platinum Credit Card
Corporate Credit Card
Business Platinum Credit Card
Business Gold Credit Card
Purchase Card
Distributor Card
Debit Cards
Easy Shop International Debit Card
Easy Shop Gold Debit Card
Easy Shop International Business Debit Card
Easy Shop Woman's Advantage Debit Card
Easy Shop Titanium Debit Card
Easy Shop NRO Debit Card
Prepaid Cards
Forex Plus Card
Gift Plus Card
Food Plus Card
Money Plus Card
Forex Plus Chip Card
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INVESTMENTS AND INSURANCE
Mutual Funds
Tax Planning
Insurance
General & Health Insurance
Bonds
Knowledge Centre
Equities & Derivatives
Mudra Gold Bar
Mudra Silver Bar
FOREX SERVICES
Trade Services
Forex Services Branch Locator
RBI Guidelines
Forex Limits
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PAYMENT SERVICES
Merchant Services
Prepaid Refill
NG pay
Bill Pay
Visa Bill Pay
Pay Now
Register & Pay
Instant Pay
Direct Pay
M Check
Visa Money Transfer
RTGS Funds Transfer
e-Monies Electronic Funds Transfer
Excise & Service Tax Payment
Online Payment of Direct Tax
Online payment of DVAT
Online payment of Gujarat VAT
Religious Offerings
Donate to Charity
ACCESS YOUR BANK
Credit Cards Online
One View
Instant Alerts
Mobile Banking
ATM
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Phone Banking
Email Statements
Branch Network .
CAR LOAN
Fastrack your loan with our attractive car loan plans
Auto Loan Takeover Plan
If you are a salaried individual holding any of the credit cards mentioned below, your loan gets
processed faster.
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R equirements:
Facility is available to only HDFC bank account holders (CASA).
All terms and conditions applicable for the used car product are applicable for the Loa
take over product.
Minimum 9 month old loan with any approved Financier with clear repayment trac
record
Advantage platinum Credit Card Plan
If you are a salaried individual holding any of the credit cards mentioned below, your loan ge
processed faster.
HDFC Bank International Credit Card
Citibank Gold
Citibank Diners
HSBC Gold
ANZ Grind lays Gold
American Express Gold Card
American Express Charge Card
Standard Chartered Gold
R equirements:
Your card has to be at least one year old.
You need to submit the last two billing statements.
Small cars, normal funding up to three years.
Funding on premium cars restricted to 70% under this plan.
The plan does not include multi-utility vehicles.
Contract copy and salary slip of NRI.
Endorsement on passport for last 3 years.
Proof of ownership of property.
Post-dated cheques must be from the resident account of the borrower.
No Income-Document Loan Plan
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Now, you can get a car loan without proof of income.
Under this scheme, you get the loan amount up to 60% of the car invoice value.
The tenure of loan can be a maximum of 3 years.
100% Loan Plan with Fixed Deposit Lien
This allows you to take a loan against your deposit at HDFC Bank.
You can get a loan for 100% of the invoice value amount with the required margin placed a
a fixed deposit in HDFC Bank.
NR I Loans
NRIs can avail of new car loans from HDFC Bank for the use of the vehicles by their
relatives in India. Additional documents required are as follows :
Contract copy and salary slip of NRI.
Endorsement on passport for last 3 years.
Proof of ownership of property.
Post-dated cheque must be from the resident account of the borrower.
Past re-payment history
Plan for customers who have taken a car loan and have repaid that loan fully without any ou
standings.
Credit approval on the basis of past re-payment record.
Approval Plan
If you have an HDFC Bank Preferred Account or a Corporate Salary Account with HDFC Bank
for more than six months, you can get fast approvals on your loans with minimal documentatio
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Eligibility & Documentation
Salaried Individuals
Self Employed
Partnership Firms
Private Limited Company
Public Limited Company
Salaried Individuals
Eligibility Criteria:
Minimum age of Applicant: 21 years
Maximum age of Applicant at loan maturity: 58 years
Minimum employment: 1 year in current employment and minimum 2 years
employment
Minimum Annual Income: Rs 100000 net annual income
Telephone: Must at residence
Documents required:
Proof of Identity:- Passport copy, PAN Card, Voters Id car, driving licence( Laminat
Recent, Legible)
Income Proof:- Latest salary slip with form 16.
Address Proof:- Ration card/Driving licence/Voters card/passport copy/telephone b
electricity bill/Life insurance policy PAN Card.
Bank Statement:- Not mandatory
Self Employed
Eligibility Criteria:
Minimum age of Applicant: 21 years
Maximum age of Applicant at loan maturity: 65 years
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Minimum employment: At least 3 years in business
Minimum Annual Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000 p
for mid-sized and premium cars
Telephone: Must at residence
Documents required:
Proof of Identity:- Passport copy, PAN Card, Voters Id car, driving licence( Laminat
Recent, Legible)
Income Proof:- Latest ITR
Address Proof:- Ration card/Driving license/Voters card/passport copy/telephone b
electricity bill/Life insurance policy PAN Card
Bank Statement:- Waived for small cars, for mid - sized and premium cars if income
greater than Rs. 1.5 lacs then bank statement requirement can be waived.
Partnership Firms
Eligibility Criteria:
Minimum Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000 p.a. for m
sized and premium cars
Minimum turnover: Turnover Rs. 4.5 lacs
Telephone: One phone at least at business and at residence of the loan executing partner
Documents required:
Proof of Identity:- NA
Income Proof:- Audited balance sheet, Profit & Loss Account for latest two years and
latest 2 years IT returns of the company
Address Proof:- Telephone Bill/Electricity Bill/Shop & Establishment Act certificate/S
registered certificate/Sales Tax certificate
Bank Statement:- Waived for small cars, for mid - sized and premium cars if income
greater than Rs 1.5 lacs then bank statement requirement can be waived
Private Limited Company
Eligibility Criteria:
Minimum Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000 p a for m
sized and premium cars
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Minimum turnover: Turnover Rs 4.5 lacs
Telephone: One phone at least at business premises
Documents required:
Proof of Identity:- NA Income Proof:- Audited balance sheet, Profit & Loss Account for latest two years and
latest 2 years IT returns of the company
Address Proof:- Telephone Bill/Electricity Bill/Shop & Establishment Act certificate/S
registered certificate/Sales Tax certificate
Bank Statement:- NA
Public Limited Company
Eligibility Criteria:
Minimum Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000 p a for m
sized and premium cars
Minimum turnover: Turnover Rs 4.5 lacs
Telephone: One phone at least at business premises
Documents required:
Proof of Identity:- NA
Income Proof:- Audited balance sheet, Profit & Loss Account for latest two years
Address Proof:- Telephone Bill/Electricity Bill/Shop & Establishment Act certificate/S
registered certificate/Sales Tax certificate
Bank Statement:- NA
Best Guide to Car Segments and Funding
SegmentEx-Showroom
Value (In lac)Funding % Examples
A:Mini <=2.15 80-100 Maruti 800
B:Compact 2.2-4.5 90-100 Alto, Swift, Indica, Santro, Getz
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Estillo, A-Star, Palio, i10
C:Mid-Size 4.5-10.0 75-100
i20, Accent, Swift ,Dzire, Hond
City, Honda Jazz, Verna, SX4
Linea, Ikon, Fusion, Optra, Fabia
Indigo
D:Executive 9.5-16.0 75-95
Toyota Corolla, Civic, Skod
Ocatvia, Hyundai Elantra, Optr
Magnum
D+:Premium 16.0-25.0 75-90
Honda Accord, Camry, Hyunda
Sonata, Skoda Laura, Superb
Passat, Jetta, Teana, Fiat 500
D+: Luxury 25.0+ 75-85Mercedes, BMW, Audi, Porche and
all other imported
MUV 2.20+ 75-90Omni, Innova, Xylo, Scorpio
Tavera, Bolero, Victa, Safari
SUV 14.0+ 75-85
CR-V, Endeavour, Pajero, Montero
X-Trail, Prado, Tucson, Captiva
Grand Vitara, Mitsubishi Outlander
Funding range is indicative. Pre-approved customers could get up to 100% ex-showroom
funding in segments A-D.
Single owner?
Good average?
And within your budget?
HDFC Bank's Used Car Loan will put you in the driver's seat. What's more, HDFC Bank also
helps you select good quality used cars and even value them.
Features & Benefits
Choose any car manufactured in India within a certain age*.
Borrow up to 80% of the value of the car.
Flexible repayment options, ranging from 12 to 60 months.
Borrow up to 3 times your annual salary (for salaried professionals) and 6 times you
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annual income (for self employed professionals)**.
Available for almost all car models at attractive interest rates.
Repay with easy EMIs.
Attractive car loan plans - To Fastrack your loan, just choose the plan that is right fo
you.
Additional loan on existing loan - If you are a existing HDFC Bank Auto loan custome
with a clear track record of 12 months or more, then you can get an additional loan to th
extent of your existing loan amount at attractive rate of interest.
Customer Privileges
Special benefits for HDFC Bank account holders.
If you have had a Preferred Account or a Corporate Salary Account with HDFC Bank fo
more than six months, you can get fast approvals on your loans with minimal documentation
RESEARCH
OBJECTIVES,
RESEARCH
MATHODOLOGY &
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RESEARCH
LIMITATION
RESEARCH OBJECTIVES
For every problem there is a research. As all the researches are based on some and my
study is also based upon some objective and these are as follows.
1. To understand the four wheeler loan and products of HDFC BANK.
2.
To find out the people¶s perception about HDFC BANK.
3. To study the brand image of bank.
4. To find out how people think about HDFC BANK.
5. To find out what respondents expect from HDFC BANK.
6. To understand Consumer buying behavior
7. To come out with conclusion and suggestions based on the analysis and theInterpretation of data.
8. To find the different way of convincing customer.
9. To find increase the business of the bank.
10. To offer suggestion based upon the findings.
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11. To acquire new customer by convincing them and promote the benefit o
those are which provided by the bank.
RESEARCH METHODOLOGY
Research in common parlance refers to a search for knowledge. One can also define
research as a scientific and systematic search for pertinent information on a specific
topic.
The word research has been derived from French word Researcher means to search.
FRANCIES RUMMER defined ³Research: It is a careful inquiry or examination to
discover new information or relationship and to expand or verify existing knowledge.
Research is the solution of the problem, whether created or already generated. When
research is done, some new outcome, so that the problem (created or generated) to be
solved.
RESEARCH DESIGN:
Research Design is the conceptual structure within which research is conducted. It
constitutes the blueprint for collection, measurement and analysis of data. The design
used for carrying out this research is
Descriptive.DATA TYPE: In this research the type of data collection is
y Primary data
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Primary data is the data, which are fresh and collected for the first time, and are original i
character. There are various Primary Data Collection techniques, which have helped in dat
gathering.
DATA
SOURCE
:The sources of collection of primary data:
Questionnaire: Questionnaire is the most common research instrument/tool used for the
data collection under field investigation. For that I have taken a 18 question for this I
have visited personally to customers place.
y Secondary data
Secondary data are those data, which have been already collected or published for the purpos
other than specific research need at hand. This data is simply used up by the researcher for h
purpose of collected data and it¶s used for the same purpose.
a) Internal source, newspaper
b) Magazines, Website.
c) Company data base
SAMPLING PLAN:
It is very difficult to collect information from every member of a population .As time and
costs are the major limitation that the researcher faces.
A sample of 50 was taken the sample size of 50 individuals were selected on the basis
of random sampling technique. The individuals were selected in the random manner to
form sample and data were collected from them for the research study.
ANALYSIS AND INTERPRETATION:
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Data collection through questionnaire and personnel interview resulted in availability of
the desired information but these were useless until there were analyzed. Various steps
required for this purpose were editing, coding and tabulating. Tabulating refers to
bringing together similar data and compiling them in an accurate and meaningful manner.The data collected by questionnaire was analyzed, interpreted with the help of table, bar
chart and pie chart.
DATA ANALYSIS
AND
INTERPRETATION
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DATA ANALYSIS AND INTERPRETATION
1. Age of the respondents
PARTICTULARS NO.OF.RESPONDENT PERCENTAGE
Less than 25 15 15%
26 - 35 36 36%
36- 45 20 20%
Above 46 29 29%
TOTAL 100 100%
R
E
S
P
O
N
S
E
S
AGE GROUP
AGE OF RESPONDENTS
Less than 25
26 - 35
36- 45
Above 46
INTERPRETATION:
From the survey it was found that
a) 11% of the respondents were less than 25 years old. b) 40% of the respondents were between 26 and 35 years of age.
c) 20% of the respondents were between 36 to 45 years of age.d) 29% of the respondents were crossed 45 years of age.
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2. Qualification of the respondents.
PARTICUALR NO.OF.RESPONDENT PERCENTAGE
Graduate 52 52%
Post Graduate 29 29%
Diploma 8 8%
Other discipline 11 11%
TOTAL 100 100%
R
E
S
P
O
N
S
E
S
EDUCATIONAL QUALIFICATIONS
QUALIFICATION OF THE RESPONDENTS
INTERPRETATION:
From the survey it was founda) 52% of the respondents were educationally graduation
qualified. b) 29% of the respondents were educationally post graduate.
c) 8% of the respondents had diploma in some disciplines.d) 10% of the respondents had other discipline.
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3) Occupation of the respondents
PARTICULARS NO.OF.RESPONDENT PERCENTAGE
Business 34 34%
Job holders 18 18%
Govt Servants 37 37%
Others 11 11%
TOTAL 100 100%
4) Average annual income of respondents.
PARTICULARS NO.OF.RESPONDENT PERCENTAGE
Less than 5 lakh 58 58%
5 lakh - 8 lakh 20 25%
More than 8 lakh 12 17%
TOTAL 100 100%
R
E
S
P
O
N
S
E
S
OCCUPATION
OCCUPATION OF THE RESPONDENTS
INTERPRETAT
ION
:
From the survey it was found that
a) 34% of the respondents were businessmen.
b) 18% of the respondents were Job holders.c) 37% of the respondents were Govt. servants.
d) 11% of the respondents were dependents.
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5) Are you customer of HDFC BANK?
PARTICULARS NO.OF.RESPONDENT PERCENTAGEYes 78 78%
No 22 22%
TOTAL 100 100%
0%
10%
20%
30%
40%
50%
60%
70%
Less then 5 lacs Between 5 to 8 lacs More then 8 lacs
Average annual income of respondents
Average annual income of
respondents
INTERPRETATION:
From the survey it was found that
a) 58% of the respondents had an average annual income up to Lessthan 5 lakh
b) 25% of the respondents had an average annual income from
Between 5 lakh to 8 lakhc) 17% of the respondents had an average annual income from More
than 8 lakh
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6) Account Type
PARTICULARS NO.OF.RESPONDENT PERCENTAGE
SAVINGS A/C 55 55%
CURRENT A/C 25 25%LOAN CREDIT A/C 15 15%
OTHERS 5 5%
TOTAL 100 100%
0
10
20
30
40
50
60
70
80
90
Category
1 Category 2
Respondents Coustomer of HDFC Bank
Respondents Coustomer of UBI
INTERPRETATION:
From the survey it was found that
a) 78% of the respondents are customer of HDFC bank.
b) 22% of the respondents are not customer of HDFC bank.
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7) Visitor¶s frequency to bank
PARTICULARS NO.OF.RESPONDENT PERCENTAGE
Daily 25 25%
Weekly 55 55%Monthly 15 15%
Occasionally 5 5%
TOTAL 100 100%
Account Type
Savings A/C
Current A/c
Loan credit
Other
INTERPRETATION:From the survey it was found that
a) 55% of the respondents are having savings account.
b) 25% of the respondents are having current account.c) 15% of the respondents are having loan credit account.
d)
Only 5 are having other account type.
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8)Source of Information
PARTICULARS NO.OF.RESPONDENT PERCENTAGE
Bank Personnel 40 40%
Advertisement 35 35%
Through Internet 10 10%
Through Trade fare 15 15%
TOTAL 100 100%
0
10
20
30
40
50
60
Daily Weekly Monthly Occasionally
Visiting frequency
Vising requency
INTERPRETATION:
From the survey it was found
a) 25% of the respondents visit daily. b) 55% of the respondents visit weekly.
c) 15% of the respondents visit monthly.d) 5% of the respondents visit occasionally.
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9)Objective taking Car Loan
PARTICULARS NO.OF.RESPONDENT PERCENTAGE
Cover liabilities 41 41%Social Relaxation 36 36%
Fear 8 8%
Life Stage need 15 15%
TOTAL 100 100%
source of information
Bank Personnel
Advertisement
Through Internet
Through Trade fare mela
INTERPRETATION:
From the survey it was found that
a) 40% of the respondents said that their source of information is bank personnel.
b) 35% of the respondents said that their source of information is Advertisement.c) 10% of the respondents said that their source of information is internet.
d)
15% of the respondents said that their source of information isTrade fare.
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10)Criteria for selecting this bank
PARTICULARS NO.OF.RESPONDENT PERCENTAGE
Reliability 30 30%
Services 5 5%
Policy Scheme 15 15%
Rate of interest 50 50%
TOTAL 100 100%
Objective taking Car loan
Cover Laibilities
Socail relaxation
Fear
Life stage need
INTERPRETATION:
From the survey it was found that
a) 41% of the respondents taking car loan due to cover liabilities. b) 36% of the respondents taking car loan due to social relaxation.
c) 8% of the respondents taking car loan due to Fear.d) 15% of the respondents taking car loan due to Life stage need.
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11)Tenure for HDFC car loan
PARTICUALRS NO.OF.RESPONDENT PERCENTAGE
1 year 14 14%
1-2 year 19 19%
2-3 year 27 27%
More than 3 year 40 40%
TOTAL 100 100%
Criteria for Selecting Bank
Reliability
Services
Policy Scheme
Rate of interest
INTERPRETATION:
Through this survey I came to know thata) 30% of the respondents benefitted of choosing the particular product
because of its Reliability. b) 5% of the respondents benefitted of choosing the particular product
because of its better service qualities.c) 15% of the respondents said that a benefit of choosing the particular
product was for policy scheme.
d) 50% of the respondents said that a benefit of choosing the particular product was for rate of interest.
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13)Satisfied with HDFC Car loan?
PARTICUALRS NO.OF.RESPONDENT PERCENTAGE
Yes 60 60%
No 40 40%
TOTAL 100 100%
Knowledge about HDFC car loan
Yes
No
INTERPRETATION:From the survey it was found that
a. 70% of respondents said that they know about HDFC car loan.
b. 30% of respondents said that they don¶t know about HDFC car loan.
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14)Preference for the Car loan from HDFC Bank is due to
PARTICUALRS NO.OF.RESPONDENT PERCENTAGE
Convenience 14 14%
Rate of interest 60 60%
Good behavior of employees 20 20%
Other 6 6%
TOTAL 100 100%
Satisfaction with HDFC Car Loan
Yes
No
INTERPRETATION:From the survey it was found that
a) 60% of respondents said that they are satisfied with HDFC Car loan
terminology. b) 40% of respondents said that they are not satisfied with HDFC Car loan
terminology.
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15)Customer Care Services
PARTICUALRS NO.OF.RESPONDENT PERCENTAGE
Very good 24 24%Good 57 57%
Average 10 10%
Poor 9 9%
TOTAL 100 100%
Preference for Car loan from HDFC
convenience
Rate of Interest
Good behavious of employees
other
INTERPRETATION:
From the survey it was found that
a. 14% of the respondents said that they want to take loanfrom HDFC because of convenience.
b. 60% of the respondents said that they want to take loanfrom HDFC because of Rate of Interest.
c. 20% of the respondents said that they want to take loanfrom HDFC because of Good behavior of employees.
d. 6% of the respondents said that they want to take loan from
HDFC because of other reason.
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16) Satisfied with HDFC bank¶s ambience
PARTICUALRS NO.OF.RESPONDENT PERCENTAGE
Yes 70 70%
No 20 20%
Little bit 10 10%
TOTAL 100 100%
Preference customer care services
Very good
Good
Average
Poor
INTERPRETATION:From the survey it was found that
a) 24% of the respondents found customer care service very good.
b) 57% of the respondents found customer care service good.
c) 10% of the respondents found customer care service average.
d) 9% of the respondents found customer care service poor.
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Satisfaction with HDFC Car loan
Yes
No
little bit
INTERPRETATION:
From the survey it was found that
a) 70% of respondents said that they are satisfied with ambience.
b) 20% of respondents said that they are not satisfied with ambience.
c) Only 10% of respondents said that they are little bit satisfied with ambience.
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FINDINGS
AND
SUGGETION
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FINDINGS
On an analysis and evaluation of the data collected from the respondents the followin
findings were found.
y Through survey it came to know that age group of 26 to 45 are more conscious abou
taking Car loan.
y Educationally high profiled people are more interested in investing.
y Businessmen and governmental servants are loyal customer.
y 58% respondents have income less than 3 lakh.
y 25% respondents visit daily to bank.
y Approximately all of the respondents are aware of Car Loan.
y Considerations to take Car loan are savings, risk coverage, social relaxations.
y Approximately 60 % respondents found HDFCµs customer care good.
y More than 70 % of respondents select bank because of low Rate of Interest
SUGGESTION
Since HDFC is the largest Private sector Bank, in terms of work force, in terms of market shar
in terms of no. of customers. All these positive stands of the company place at the number on
position. On second aspect whatever amount of money HDFC Bank save, can be used
increase the no. of policies, which will helpful to increase the market share of the company
Since the customers think about the companies in the industry, when they borrow home loa
from bank. So it¶s necessary to increase the market share of the company. There are som
recommendations.
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Open some more branches in semi urban and rural area.
HDFC bank has almost its branches in urban area or metros. So in order to increase the no. o
customer, HDFC bank should increase the approach towards potential customers. For that it ha
to increase the branches in the semi urban cities like C, D grade cities. And the rural marketin
is the best option for HDFC bank to increase its base in the market.
Improve customer services.
In order to take the advantage of being industry leader in private sector, HDFC bank has timprove its customer services. According to my experience in the company, a good number o
customers forget to pay their EMI at time so it causes a big loss to the company. This card wi
have all the information
Regarding the policy as like future premium payment dates, payment made, money
Value of the policy at that date, value of the unit linked plan and all other
Information what the customer want. This will help the customer to pay premium
on time and save their losses. HDFC bank will be able to more efficient services to the
customers.
Bring some unit linked life insurance plans in the market.
Being a market leader doesn¶t ensure the leadership in the future. Since after increment in FD
from 26% to 49% all player will have the opportunity to capture the market share. So in order t
maintain its position bank should-Introduce some new market linked insurance plan, whic
will give a competitive advantage to the HDFC bank against its competitors.
Trained the financial advisors more efficiently.
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In the changed scenario, more efficient training will be needed, so HDFC bank of shoul
provide good and efficient training to their financial advisors. Because they are the one wh
interact directly with the customers. So good training will give them the right way to deal witthe potential customers.
ANNEXURE
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I, Alok sharma, am conducting a research (survey) for sales and promotion of car loan at HDFC
bank raipur (A Car loan from HDFC). Your inputs would make product of HDFC Car loan
better. So request you to spend a few valuable minute and complete the questionnaire. Your response is valuable to us and be assure confidentiality.
Thanks & Regards
(Alok sharma)
1. Name -----------------------------------------------------------------
2. Gender
a) Male b) female
3. Age
a) Less than 25 year
b) Between 25 to 35 year
c) Between 35 to 45 year
d) 45 year or above
4.
Professiona) Business
b) Service
c) Others
5. Qualification
a) Graduate c) Diploma
b) Postgraduate d) Other discipline
6. Income (annually)?a) Less than 5 lacs
b) Between 5 to 8 lacs
c) More than 8 lacs
7. Are you customer of HDFC Bank ?
a) YES
b) NO
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8. Are you having A«««.?
a) Savings Account
b) Current account
c) Loan credit accountd) Others«.
9. How often you visit your bank?
a) Daily
b) Weekly
b) Monthly
c) Occasionally
10. Which is your source of information?
a) Bank Personnel
b) Advertisement
c) Through Internet
d) Through Trade fare mela
11. Do you know about HDFC Car Loan?
a) YES
b) NO
12. What is the objective behind taking Car loan?
a) Cover liabilities
b) Social relaxation
c) Fear
d) Life stage need.
13. What is your criteria for selecting this bank
a) Reliability
b) Services
c) Policy Scheme
d) Rate of Interest
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14. How much Tenure you would like to have for your home loan?
a) 1 years
b) 2 years
c) 3 years
d) 3-7 years
15. Are you satisfied with HDFC Car loan terminology?
a) YES
b) NO
16. Your preference for the Home loan from HDFC is due to?
a) Convenience,
b) Rate of interest,
c) Good behavior of employees ,
d) Other
17. How do you find our customer care services?
a) Very good
b) Good
c) Average
d) Poor
18. Are you satisfied with the ambience of your Car loan from HDFC?
a) yes
b) No
c) little Bit
19. Your Suggestions:-
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
______________________________________________________________
THANK YOU
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BIBLIOGRAPHY
BIBLIOGRAPHY
y Marketing Management by Philip Kotler, Pearson Education 2nd
ed.
y Consumer Behavior by Leon G.Schiffman, Prentice-Hall India 8th
ed.
WEBSITES
y www.hdfc.com
y www.google.co.in/hdfc bank y www.wikipedia.org
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