Comparison of Public & Private Sector Banks on the basis of 9 P's- Project Report

8/14/2019 Comparison of Public & Private Sector Banks on the basis of 9 P's- Project Report

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EOHTSXPU EOXPMHTCXEMO

@fob9

F `fob es f geofocefl eostetutemo foh eotdrkdhefry tnft fccdpts hdpmsets foh cnfoodls tnmsd

hdpmsets eotm ldoheoj fcteveteds, detndr herdctly mr tnrmujn cfpetfl kfrbdts. F `fob cmoodcts

custmkdrs tnft nfvd cfpetfl hdgecets tm custmkdrs wetn cfpetfl surplusds. (ZEBEQDHEF)

@fob9 Jlm`fl Nestmry9

Xnd kmhdro `fobeoj stfrtdh eo dfrly Pdofessfocd eo tnd recn ceteds lebd Glmrdocd, Wdoecd eo

Etfly. Eo 635:, Jemvfooe Kdhece stfrtdh Kdhece @fob wnecn `dcfkd vdry gfkmus. @fob mg St.

Jdmrjd wfs tnd gerst stftd hdpmset `fob, gmuohdh eo 681: ft Jdomf.

Kmotd hde Qfscne he Sedof es tnd mlhdst `fob mg tnd wmrlh wnecn es stell eo dxestdocd. Et wfs

dstf`lesndh eo 68:0 foh ets ndfhqufrtdr es eo Sedof, Etfly. Xnd sdcmoh mlhdst `fob mg tnd wmrlh

stell eo dxestdocd es @drdo`drj `fob mg Nfk`urj (6451).

@fob9 Eohefo Nestmry9

Eo Eohef, @fobeoj stfrtdh eo tnd lfst hdcfhds mg 6>tn cdotury. Xnd gerst twm `fobs wdrd @fob

mg Neohustfo (6::1) foh Xnd Jdodrfl @fob mg Eohef (6:>7). @mtn mg tnd `fobs frd omw omo-

guoctemofl. Xnd Stftd @fob mg Eohef es tnd mlhdst `fob mg Eohef wnecn es stell eo dxestdocd. Et

wfs mrejeoftdh eo tnd @fob mg Cflcuttf eo Iuod 6>17, wnecn lftdr `dcfkd tnd @fob mg @dojfl

.Xnd @fob mg @mk`fy, Xnd @fob mg Kfhrfs foh Xnd @fob mg @dojfl wdrd tnrdd prdsehdocy

`fobs mg Eohef. Eo 6506 tnd tnrdd `fobs kdrjdh tm gmrk tnd Ekpdrefl @fob mg Eohef. Eo 6544,

ft tnd tekd mg Eohef's eohdpdohdocd et `dcfkd Xnd Stftd @fob mg Eohef.

Xnd mlhdst Imeot Stmcb `fob mg Eohef tnft es stell guoctemoeoj es Xnd Fllfnf`fh @fob wnecn

wfs dstf`lesndh eo 6>74. Eo 6>75 NS@C dstf`lesndh etsdlg eo @dojfl. Xnd gerst doterdly Eohefoimeot stmcb `fob tnft es stell guoctemoeoj es Xnd Quoif` Oftemofl @fob wnecn wfs dstf`lesndh

eo Lfnmrd eo 6>54. Omw et es mod mg tnd lfrjdst `fobs eo Eohef.

Lmrh Curzmo sfeh f`mut Eohefo imeot stmcb `fobs tnft Eo rdspdct mg `fobeoj et sddks wd frd

`dneoh tnd tekds. Zd frd lebd smkd mlh gfsnemodh sfeleoj snep, hevehdh `y smleh wmmhdo

`ulbndfhs eotm sdpfrftd foh cuk`drsmkd cmkpfrtkdots.

@useodsskdo foh pmletecefos wdrd eosperdh `y Swfhdsne kmvdkdot (6517-6566) tm gmuoh

`fobs gmr tnd Eohefos . Xnd `fobs lebd @fob mg Eohef, Cmrpmrftemo @fob, Eohefo @fob, @fob mg


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@frmhf, Cfofrf @fob foh Cdotrfl @fob mg Eohef wdrd dstf`lesndh eo tnft pdremh foh nfs

survevdh tell omw.

Hureoj tnd Gerst Zmrlh Zfr (6568-656>) ft ldfst 58 `fobs eo Eohef gfeldh. Eohef's cdotrfl

`fobeoj futnmrety, Xnd Pdsdrvd @fob mg Eohef wfs dstf`lesndh eo Fprel 6538. P@E wfs

oftemoflezdh mo Ifoufry 6, 6585 uohdr tnd tdrks mg tnd Pdsdrvd @fob mg Eohef (Xrfosgdr tm

+Qu`lec Mwodrsnep) Fct, 658> (P@E, 0114`).

Xnd @fobeoj Pdjulftemo Fct wfs dofctdh eo 6585 wnecn dkpmwdrdh P@E tm rdjulftd, cmotrml,

foh eospdct tnd `fobs eo Eohef. Eo dfrly 6551s jmvdrokdot lecdosdh smkd prevftd `fobs. Xndsd

wdrd cflldh tnd Odw Jdodrftemo tdcn-sfvvy `fobs foh eocluhdh Mredotfl @fob mg Cmkkdrcd,

Fxes @fob, ECECE @fob foh NHGC @fob.

Xnd odw wfvd stfrtdh tnd rdtfel `mmk eo Eohef. Ft tnd prdsdot tekd Eohefo `fobs frd

cmosehdrdh tm nfvd cldfo, strmoj foh trfospfrdot `flfocd snddts eo tdrks mg quflety mg fssdts

foh cfpetfl fhdqufcy.

Xypds mg @fobs eo Eohef9


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Smurcd9 nttp9//currdotfggfers`fobpm.`lmjspmt.eo/0161/13/typds-mg-`fobs-eo-eohef-0161.ntkl

F. Cmkkdrcefl @fobs eo Eohef

Qu`lec Sdctmr @fobs 9 Cdotrfl `fob mg Eohef, Quoif` Oftemofl @fob,Stftd @fob mg

Eohef.

Qrevftd Sdctmr @fobs9 Fxes `fob, NHGC `fob, ECECE `fob

Gmrdejo @fobs 9 Cete `fob, NS@C `fob

Pdjemofl Purfl @fobs9 Wehnfr`nf Bsndtreyf Jrfkeo @fob, Kfhnyf @nfrft Jrfkeo

@fob

@. Cm-Mpdrftevd @fobs eo Eohef

Tr`fo Cm-mpdrftevd @fobs9 Cmskms Cm-mpdrftevd ur`fo `fob, Jmf cm-mpdrftevd

ur`fo `fob

Stftd Cm-mpdrftevd @fobs9 Kfnfrfstrf Stftd Cm-mpdrftevd `fob, Pfifstnfo stftd cm-

mpdrftevd `fob

Guoctemos mg @fobs9

Smurcd9nttp9//bflyfo-cety.`lmjspmt.eo/0166/18/guoctemos-mg-`fobs-ekpmrtfot-`fobeoj.ntkl

F. Qrekfry Guoctemos mg @fobs 9 Qrekfry guoctemos mg f `fob frd flsm cflldh `fobeoj

guoctemos. Xndy frd tnd kfeo guoctemos mg f `fob.


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6. Fccdpteoj Hdpmsets 9 Sfveoj Hdpmsets, Gexdh Hdpmsets, Currdot Hdpmsets, Pdcurreoj

Hdpmsets

0. Jrfoteoj mg Lmfos foh Fhvfocds 9 Mvdrhrfgt, Cfsn Crdhets, Lmfos, Hescmuoteoj mg

@ell mg Dxcnfojd.

@. Sdcmohfry Guoctemos mg @fobs 9 Sdcmohfry guoctemos frd flsm cflldh omo-`fobeoj

guoctemos.

6. Fjdocy Guoctemos 9 Xrfosgdr mg Guohs, Cmlldctemo mg Cndquds, Qdremhec Qfykdots,

Qmrtgmlem Kfofjdkdot, Qdremhec Cmlldctemos, Mtndr Fjdocy Guoctemos.

0. Jdodrfl Ttelety Guoctemos 9 Essud mg Hrfgts, Ldttdr mg Crdhets, Lmcbdr Gfcelety,

Tohdrwreteoj mg Snfrds, Hdfleoj eo Gmrdejo Dxcnfojd, Qrmidct Pdpmrts, Smcefl Zdlgfrd

Qrmjrfkkds, Mtndr Ttelety Guoctemos

M`idctevds mg tnd Qrmidct 9

Xm foflyzd `fobeoj Sdctmr jrmwtn eo Eohef `y cmkpfreoj prdvemus hftf rdcmrhs

foh tm uohdrstfoh tnd wmrbeoj kdtnmhmlmjy mg heggdrdot typds mg `fobs.

Xm cmkpfrd Qu`lec Sdctmr @fobs foh Qrevftd Sdctmr @fobs mo tnd sfkd

pfrfkdtdrs e.d. 5 Qs.

Xm uohdrstfoh tnd vfremus kfrbdteoj strftdjeds foh pu`lec rdspmosd gmr tnd

heggdrdot gfceleteds foh sdrvecds prmvehdh `y Qu`lec foh Qrevftd Sdctmr `fobs foh

tnder dggdcts mo tnd custmkdrs.

Xm crdftd fo ehdfl `fob grmk tnd `dst gdfturds mg tnd cmkpfrdh `fobs sm tnft tnd

`fob wetn kfxekuk mutput cfo `d hdrevdh mo pfpdr.

Kdtnmhmlmjy mg tnd Qrmidct9

Stdps9

6. Hftf Cmlldctemo 9 Cmlldctemo mg hftf `y vfremus smurcds sucn fs wd`setds,

odwspfpdrs, kfjfzeods, `lmjs, fooufl rdpmrts mg vfremus `fobs, moleod survdys,

`mmbs.

0. Hftf Keoeoj9 Dxtrfctemo mg hftf `fsdh mo vfremus pfrfkdtdrs sucn fs heggdrdot

prmhucts foh sdrvecds prmvehdh `y heggdrdot typd mg `fobs, vfremus kfrbdteoj

strftdjeds mg vfremus `fobs tm fttrfct tnd custmkdrs, Custmkdr trdftkdot `y vfremus


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`fobs, rftd mg eotdrdst mg lmfos foh hdpmsets, Custmkdr gddh`fcb f`mut tnd `fobs,

d-`fobeoj sdrvecds prmvehdh `y tnd `fob, Smcefl wdlgfrd prmjrfks cmohuctdh `y

`fobs, jrmwtn rftd mg tnd `fob, jmmhwell mg tnd `fob, Kdtnmh mg lmfo cmlldctemos

tmwfrhs tnd custmkdrs, Ldvdl mg Custmkdr sdrvecds, Pdlftemos mg tnd `fob wetnheggdrdot mrjfoezftemos, Eovdstkdot eo heggdrdot gedlh, gmrd-sejnt mg `fob mo tnd

`fses mg eovdstkdot eo vfremus gedlhs, Spdcefl mggdrs gmr pmtdotefl custmkdrs.

3. Cftdjmrezeoj fll tnd pfrfkdtdrs uohdr 5 Qs.

8. Cmkpfresmo `dtwddo `fobs mo tnd `fses mg tnd pfrfkdtdrs.

4. Cmoclusemo & Pdcmkkdohftemo

Cmkpfoy Qrmgelds9

Xnd 8 @fobs cnmsdo gmr cmkpfresmo frd fs gmllmws9

Qu`lec Sdctmr @fobs9Stftd @fob mg Eohef, Quoif` Oftemofl `fob

Qrevftd Sdctmr @fobs9ECECE @fob, NHGC @fob

Cftdjmrezftemo mg Qfrfkdtdrs mo tnd `fses mg 5 Qs9

Qrmhuct9

Xndsd pfrfkdtdrs well cmkd uohdr Qrmhuct9

6. Heggdrdot Sdrvecds mggdrdh `y tnd @fob

0. Jmmhwell mr @rfoh-vflud mg tnd @fob

Qlfcd9

Xndsd pfrfkdtdrs well cmkd uohdr Qlfcd9

6. Kfrbdt Cmvdrfjd

0. Eotdrodt (e.d. D-`fobeoj gfceleteds)

Qrecd9

Xndsd pfrfkdtdrs well cmkd uohdr Qrecd9

6. Pftd mg eotdrdst gmr lmfos foh hdpmsets


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0. Xrdftkdot mg Qmtdotefl Custmkdrs

Qrmkmtemo9

Xndsd pfrfkdtdrs well cmkd uohdr Qrmkmtemo9

6. Cmkpdtetemos

0. Imeot Wdoturds

3. Smcefl Zdlgfrd Qrmjrfks

Qdmpld9

Xndsd pfrfkdtdrs well cmkd uohdr Qdmpld9

6. Custmkdr Xrdftkdot (Dkplmydds @dnfvemr tmwfrhs custmkdrs)

0. Custmkdr Gddh`fcb

Qrmcdss9

Xndsd pfrfkdtdrs well cmkd uohdr Qrmcdss9

6. Cmkplfeots Nfohleoj

0. Pdspmosd Xekd

Qnysecfl Dvehdocd9

6. Cmkgmrt

0. Gfceleteds

3. Qnysecfl Lmcftemos

Kfrbdteoj Strftdjeds9

Xndsd pfrfkdtdrs well cmkd uohdr Kfrbdteoj Strftdjeds9

6. Strftdjeds usdh gmr Kfrbdteoj

0. Fhvdrtesdkdot

3. Ldfgldts/Qmstdrs

Mtndrs9

Xndsd pfrfkdtdrs well cmkd uohdr Mtndrs9


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6. Jrmwtn Pftd mg tnd `fob

0. Xmtfl Pdvdoud mg tnd `fob

(Smurcd9 nttps9//www.s`e.cm.eo/)

Eohustry Eotrmhuctemo9

S@E es tnd lfrjdst `fobeoj foh geofocefl sdrvecds cmkpfoy eo Eohef `y rdvdoud, fssdts

foh kfrbdt cfpetflezftemo. Et es f stftd-mwodh cmrpmrftemo wetn ets ndfhqufrtdrs eo Kuk`fe,

Kfnfrfsntrf. Fs mg Kfrcn 0160, et nfh fssdts mg TS$371 `ellemo foh 68,665 `rfocnds,

eocluheoj 6:3 gmrdejo mggecds eo 3: cmuotreds fcrmss tnd jlm`d. Eocluheoj tnd `rfocnds tnft

`dlmoj tm ets fssmceftd `fobs, S@E nfs 06,411 `rfocnds. Xnd Stftd @fob mg Eohef es tnd lfrjdst

mg tnd @ej Gmur `fobs mg Eohef, flmoj wetn ECECE @fob, Quoif` Oftemofl @fob foh NHGC@fobets kfeo cmkpdtetmrs.

S@E nfs gevd fssmceftd @fobs9

Stftd @fob mg @ebfodr & Ifepur

Stftd @fob mg Nyhdrf`fh

Stftd @fob mg Kysmrd

Stftd @fob mg Qfteflf

Stftd @fob mg Xrfvfocmrd

Fpfrt grmk ets gevd fssmceftd `fobs, S@E flsm nfs tnd gmllmweoj omo-`fobeoj su`sehefreds9

S@E Cfpetfl Kfrbdts Lth

S@E Guohs Kfofjdkdot Qvt Lth

S@E Gfctmrs & Cmkkdrcefl Sdrvecds Qvt Lth

S@E Cfrhs & Qfykdots Sdrvecds Qvt. Lth. (S@ECQSL)

S@E HGNE Lth

S@E Legd Eosurfocd Cm. Lth.

S@E Jdodrfl Eosurfocd


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Qrmhuct 9

S@E Qrmhuct-Kex 9

S@E Qrmhuct Leods

Qdrsmofl @fobeoj

OPE Sdrvecds

Eotdroftemofl@fobeoj

Cmrpmrftd@fobeoj

Sdrvecds

Jmvdrokdot@useodss

SKD

Fjreculturfl/Purfl@fobeoj


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Qdrsmofl @fobeoj 9

S@E Xdrk Hdpmsets S@E Lmfo Gmr Qdosemodrs

S@E Pdcurreoj Hdpmsets Lmfo Fjfeost Kmrtjfjd Mg Qrmpdrty

S@E Nmuseoj Lmfo Lmfo Fjfeost Snfrds & Hd`doturds

S@E Cfr Lmfo Pdot Qlus Scndkd

S@E Dhucftemofl Lmfo Kdhe-Qlus Scndkd

S@E Qdrsmofl Lmfo Pftds Mg Eotdrdst

d-Eovdst (FS@F)EQM

Fjreculturfl/Purfl @fobeoj9

Kecrm Crdhet

Pdjemofl/Purfl @fobs

Fjre Hd`t Zfevdr

Geofocefl Eoclusemo

OPE Sdrvecds9

Mpdoeoj mg OPE fccmuot

OPE Nmkd Lmfo

OPE Cfr Lmfo

Pdkettfocds tm Eohef

Lest mg Spdceflezdh OPE Sdrvecd @rfocnds

Eotdroftemofl @fobeoj9

Xrfhd Geofocd

Cmrrdspmohdot @fobeoj

Kdrcnfot @fobeoj

Qrmidct Dxpmrt Geofocd

Dxpmrtdr Jmlh Cfrh

Mggsnmrd @fobeoj

Xrdfsury

Cmrpmrftd @fobeoj9

Cmrpmrftd Fccmuots Jrmup Keh-Cmrpmrftd Jrmup


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Qrmidct Geofocd

Cfsn Kfofjdkdot prmhuct

Sdrvecds9

Eotdrodt @fobeoj

Km`eld @fobeoj

Stftd @fob Km`eCfsn

FXK Sdrvecds

Hdkft Sdrvecds

Jmvdrokdot @useodss9

Jmvt. Fccmuots

Qu`lec Qrmvehdot Guoh

S@E d-Xfx

SKD9

SKD

Zehtn 9 Xnd wehtn mg tnd Qrmhuct-Kex es >.

Ldojtn9Xnd Ldojtn mg tnd Qrmhuct-kex es3>.

Cmosestdocy9Xnd leods frd kmrd cmosestdot eosmgfr fs tndy frd clmsdly rdlftdh.


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QO@ nfs nfh tnd preveldjd mg kfeotfeoeoj fccmuots mg oftemofl ldfhdrs sucn fsKfnftkf

Jfohne,SnreIfwfnfr Lfl Odnru,SnreLfl @fnfhur Snfstre,SnrekfteEoherf Jfohne,fs wdll fs

tnd fccmuot mg tnd gfkmusIflefowflf @fjn Cmkkettdd.

Quoif` Oftemofl @fob wfs rfobdh #07 eo tndGmrtuod Eohef 411 rfobeoj mg 0166.

Qrmhuct9

QO@ Qrmhuct Kex9

QO@ Qrmhuct Leod

Qdrsmofl @fobeoj

Smcefl @fobeoj

KSKD @fobeoj

Fjreculturfl@fobeoj

Cmrpmrftd @fobeoj

Eotdroftemofl/OPE@fobeoj

Geofocefl Sdrvecds
http://en.wikipedia.org/wiki/Mahatma_Gandhihttp://en.wikipedia.org/wiki/Mahatma_Gandhihttp://en.wikipedia.org/wiki/Jawahar_Lal_Nehruhttp://en.wikipedia.org/wiki/Lal_Bahadur_Shastrihttp://en.wikipedia.org/wiki/Indira_Gandhihttp://en.wikipedia.org/wiki/Jalianwala_Baghhttp://en.wikipedia.org/wiki/Fortune_India_500http://en.wikipedia.org/wiki/Fortune_India_500http://en.wikipedia.org/wiki/Jalianwala_Baghhttp://en.wikipedia.org/wiki/Indira_Gandhihttp://en.wikipedia.org/wiki/Lal_Bahadur_Shastrihttp://en.wikipedia.org/wiki/Jawahar_Lal_Nehruhttp://en.wikipedia.org/wiki/Mahatma_Gandhihttp://en.wikipedia.org/wiki/Mahatma_Gandhi


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Smurcd9 nttps9//www.po`eohef.eo/Do/ue/Nmkd.fspx

Zehtn9Xnd wehtn mg Qrmhuct-Kex es :.

Ldojtn 9Xnd ldojtn mg Qrmhuct-Kex es 33.



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Smurcd9 nttp9//www.ecece`fob.cmk/eohdx.ntkl

ECECE (EOHTSXPFEL CPDHEX FOH EOWDSXKDOX CMPQFXEMO MG EOHEF)


ECECE @fob Leketdh es fo Eohefo hevdrsegedhgeofocefl sdrvecds cmkpfoy ndfhqufrtdrdh

eoKuk`fe, Kfnfrfsntrf. Et es tnd sdcmoh lfrjdst `fob eo Eohef `y fssdts foh tnerh lfrjdst`ykfrbdt cfpetflezftemo.Et mggdrs f wehd rfojd mg `fobeoj prmhucts foh geofocefl sdrvecds tm

cmrpmrftd foh rdtfel custmkdrs tnrmujn f vfredty mg hdlevdry cnfoodls foh tnrmujn ets

spdceflezdh su`sehefreds eo tnd frdfs mg eovdstkdot `fobeoj, legd foh omo-legd eosurfocd,

vdoturd cfpetfl foh fssdt kfofjdkdot. Xnd @fob nfs f odtwmrb mg 0,:73 `rfocnds foh 5,373

FXK's eo Eohef, foh nfs f prdsdocd eo 65 cmuotreds, eocluheoj Eohef.

Xnd `fob nfs su`sehefreds eo tnd Toetdh Beojhmk, Pussef, foh Cfofhf2 `rfocnds eo Toetdh

Stftds, Seojfpmrd, @fnrfeo, Nmoj Bmoj, Sre Lfobf, Vftfr foh Hu`fe Eotdroftemofl GeofocdCdotrd2 foh rdprdsdotftevd mggecds eo Toetdh Frf` Dkerftds, Cneof, Smutn Fgrecf, @fojlfhdsn,

Xnfelfoh, Kflfysef foh Eohmodsef. Xnd cmkpfoy's TB su`sehefry nfs dstf`lesndh `rfocnds eo

@dljeuk foh Jdrkfoy.

ECECE @fob es mod mg tnd@ej Gmur `fobs mg Eohef, flmoj wetnStftd @fob mg Eohef,Quoif`

Oftemofl @fob fohNHGC @fob.

Su`sehefreds9

Hmkdstec

ECECE Lmk`frh
http://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Mumbai,_Maharashtrahttp://en.wikipedia.org/wiki/Market_capitalizationhttp://en.wikipedia.org/wiki/Big_Four_(banks)#Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/HDFC_Bankhttp://en.wikipedia.org/wiki/HDFC_Bankhttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/Big_Four_(banks)#Indiahttp://en.wikipedia.org/wiki/Market_capitalizationhttp://en.wikipedia.org/wiki/Mumbai,_Maharashtrahttp://en.wikipedia.org/wiki/Financial_services


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ECECE Qruhdotefl Legd Eosurfocd Cmkpfoy Leketdh

ECECE Sdcureteds Leketdh

ECECE Qruhdotefl Fssdt Kfofjdkdot Cmkpfoy Leketdh

ECECE Wdoturd ECECE Nmkd Geofocd

ECECE herdct.cmk

ECECE guoh

Eotdroftemofl9

ECECE @fob TB QLC

ECECE @fob Cfofhf

ECECE @fob Durfsef LLC

Qrmhuct9

ECECE Qrmhuct-Kex9

ECECE Qrmhuct-Leod

Qdrsmofl@fobeoj

Qreveldjd@fobeoj

ZdfltnKfofjdkdot

Jlm`fl QrevftdCledots

OPE @fobeoj

Cmrpmrftd

@fobeoj

@useodss`fobeoj


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01

Smurcd9 nttp9//www.ecece`fob.cmk/eohdx.ntkl

Zehtn9Xnd wehtn mg Qrmhuct-Kex es :.

Ldojtn9Xnd ldojtn mg Qrmhuct-Kex es 81.



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06

Smurcd9 nttp9//www.nhgc`fob.cmk/

NHGC9Nmuseoj Hdvdlmpkdot Geofocd Cmrpmrftemo Leketdh


NHGC @fob Leketdh es fo Eohefogeofocefl sdrvecds cmkpfoy `fsdh eoKuk`fe,

Kfnfrfsntrf tnft wfs eocmrpmrftdh eo Fujust 6558. NHGC @fob es tnd gegtn lfrjdst `fob eo

Eohef `y fssdts foh tnd sdcmoh lfrjdst `fob `ykfrbdt cfpetflezftemo fs mg Gd`rufry 08, 0160.

Xnd `fob wfs prmkmtdh `y tndNmuseoj Hdvdlmpkdot Geofocd Cmrpmrftemo, f prdkedr
http://en.wikipedia.org/wiki/Financial_servicehttp://en.wikipedia.org/wiki/Mumbai,_Maharashtrahttp://en.wikipedia.org/wiki/Mumbai,_Maharashtrahttp://en.wikipedia.org/wiki/Market_capitalizationhttp://en.wikipedia.org/wiki/Housing_Development_Finance_Corporationhttp://en.wikipedia.org/wiki/Housing_Development_Finance_Corporationhttp://en.wikipedia.org/wiki/Market_capitalizationhttp://en.wikipedia.org/wiki/Mumbai,_Maharashtrahttp://en.wikipedia.org/wiki/Mumbai,_Maharashtrahttp://en.wikipedia.org/wiki/Financial_service


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nmuseoj geofocd cmkpfoy (sdt up eo 65::) mg Eohef. NHGC @fob es mod mg tnd@ej Gmur

`fobs mg Eohef, flmoj wetn9Stftd @fob mg Eohef,ECECE @fob fohQuoif` Oftemofl @fob.

NHGC @fob es ndfhqufrtdrdh eo Kuk`fe foh fs mg Kfrcn 36, 0160, tnd @fobs hestre`utemo

odtwmrb wfs ft 0,488 `rfocnds foh >,563 FXKs eo 6,355 ceteds fs fjfeost 6,5>7 `rfocnds foh

4,8:6 FXKs eo 557 ceteds fs mg Kfrcn 36,0166.

Qrmhuct9

NHGC Qrmhuct-Kex9

Qdrsmofl @fobeoj9

Fccmuots & Hdpmsets

Lmfos

Cfrhs

Eovdstkdots

Eosurfocd

Gmrdx

Qrdkeuk @fobeoj

Qrevftd @fobeoj

NHGCQrmhuct Leod

Qdrsmofl

@fobeoj

OPE @fobeoj

SKD

Znmldsfld@fobeoj
http://en.wikipedia.org/wiki/Big_Four_(banks)#Indiahttp://en.wikipedia.org/wiki/Big_Four_(banks)#Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/ICICI_Bankhttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/ICICI_Bankhttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/Big_Four_(banks)#Indiahttp://en.wikipedia.org/wiki/Big_Four_(banks)#India


23/47

03

OPE @fobeoj9

Fccmuots & Hdpmsets

Lmfos

Qfykdot Sdrvecds

Qrdkeuk @fobeoj

Zfys tm @fob

SKD9

Currdot Fccmuots

Sflfry Fccmuots

Sfveoj Fccmuots

Hdpmsets

Hdkft Fccmuot

Znmldsfld @fobeoj9

Cmrpmrftds

Geofocefl Eostetutemos & Xrusts

Jmvdrokdot Sdctmr

Eovdstkdot @fobeoj

Zehtn9Xnd Zehtn mg tnd Qrmhuct Kex es 8

Ldojtn9Xnd Ldojtn mg tnd Qrmhuct Kex es 06.



24/47

08

Smurcd9 nttp9//www.nhgc`fob.cmk/

Kfrbdteoj & Qrmkmtemo Strftdjeds9

S@E9

Jdodrec strftdjeds fhmptdh S@E9

Eostetutemo gmr fhvfocdh ldfroeoj9 tm prmvehd stftd mg tnd frt trfeoeoj eo geofocefl

prmhucts tm kehhld ldvdl foh sdoemr ldvdl dxdcutevds.

Eotdrofl cmosultfot/Cnfojd fjdot9 tm fct fs f cftflyst gmr cnfojd eo fttetuhds foh

mredotftemo mg `fobeoj stfgg foh tm prmvehd dxpdrtesd foh cmosultftevd suppmrt

Gddh`fcb suppledr9 tm cfpturd foh structurd gddh`fcb grmk trfeodds foh grmk tndkfrbdt

Xneob tfob9 tm prmvehd dxpdrt foh eogmrk sujjdstemos, kmhdl `useodss strftdjeds,

foflyses mg kfrbdt hdvdlmpkdots grmk f `fobdr pdrspdctevd.

Pdsdfrcn foh hdvdlmpkdot rmld9tm cfrry mut rdsdfrcn mo cmotdkpmrfry su`idcts tnft

frd rdldvfot tm tnd `fobs snmrt tdrk foh kdheuk tdrk foh mpdrftemofl oddhs foh

pmlecy gmrkulftemo


25/47


26/47

07

Qlfos wdrd flsm kfhd tm utelezd hftf`fsd kfrbdteoj tm pursud lfrjd foh kdheuk

sezdh cmrpmrftd, jmvdrokdot foh trfhd geofocd custmkdrs.

Hftf`fsd kfrbdteoj wfs dxpdctdh tm hrfw eocrdfsdh rdvdoud grmk crmss sdlleoj,

lmwdr cmsts foh eocrdfsdh custmkdr lmyflty.

S@E flsm eotrmhucdh vfremus mtndr wfys mg rdfcneoj mut tm custmkdrs lebd

dxtdosemo mg nmurs mg wmrb(S@E eocrdfsdh hfely wmrbeoj nmurs `y twm nmurs foh

Suohfy `fobeoj wfs eotrmhucdh) foh

Fjjrdssevd kfrbdteoj tnrmujn preot foh tdldvesemo kdhef.

S@Eas Strftdjeds eo tnd currdot scdofrem 9

S@E nfvd sdt up cfpfcety eo plfcds wndrd tndy frd omt vdry strmoj. Ets tekd gmr tndk tm

gmllmw mvdrfll S@E pnelmsmpny mg plfooeoj odw `rfocnds, jevdo tnd nujd uotfppdh pmtdotefl.

@dsehds, tnes es flsm tnd `dst tekd tm `dodget grmk tnder pfst dxpfosemo, seocd tndrd es f lmt mg

trust eo S@E.

@rfoh S@E es vdry strmoj, wneld pdmpld kfy `d jdodrflly cfutemus f`mut smkd mtndr `rfohs.

Xndy cfo omt moly tfp tnd pmtdotefl `dttdr ùt cfo flsm prmvehd f sfgd foh trfospfrdot

eosurfocd fltdroftevd tm tnd pu`lec.

Xnd `fob es dotdreoj eotm kfoy odw ùseodssds wetn strftdjec ted ups Qdosemo Guohs,

Jdodrfl Eosurfocd, Custmhefl Sdrvecds, Qrevftd Dquety, Kmèld @fobeoj, Qmeot mg SfldKdrcnfot Fcquesetemo, Fhvesmry Sdrvecds, structurdh prmhucts dtc dfcn mod mg tndsd

eoeteftevds nfveoj f nujd pmtdotefl gmr jrmwtn.

Fhvdrtesdkdots9


27/47

0:

Smurcd9 nttp9//www.eohefkfrt.cmk/kdsn-preotdrs/pmstdr-preoteoj-sdrvecd.ntkl(ekfjd6)

Smurcd9 nttp9//trfhd.eohefkfrt.cmk/hdtfels.kp=mggdr;001447:344(ekfjd0)

Smurcd9 nttp9//elfbeyf.wmrhprdss.cmk/0160/16/15/nmw-tm-dof`ld-odt-`fobeoj-gfcelety-eo-stftd-

`fob-mg-eohef-s`e-fccmuot(ekfjd3)

NHGC9


28/47

0>

Grmk hmeoj crmss-sdlleoj dxdrcesds tm mrjfoezeoj scnmml-ldvdl pfeoteoj cmkpdtetemos,

prmkmtemofl fcteveteds frd jmeoj tm `d tnd kfeo gmcus mg NHGC @fob's kfrbdteoj strftdjy tnes

ydfr. NHGC @fob frd lmmbeoj ft pmsetemoeoj NHGC fs f mod-stmp geofocefl supdrkfrbdt foh

tnd mìdctevd mg tnd prmkms es omt iust fcquesetemo mg odw custmkdrs, ùt flsm lmmbeoj ftcrdfteoj prmhuct fwfrdodss, donfoceoj usfjd foh flsm prmveheoj vflud-fhhs tm tnd custmkdrs

tm rdwfrh tndk gmr tnder gfetn foh lmyflty.

Xnd odxt stdp tm kfss prmkms, wmulh `d kmrd pdrsmoflezdh prmkms. Et plfos tm sdoh

pdrsmoflezdh kfeldrs f`mut vfremus prmhucts tm fll tnmsd NHGC cmkd eo cmotfct wetn hureoj

tndsd kfss prmkmtemos. Xnd `fob nfs flsm tedh up wetn @useodss Xmhfy, tm spmosmr 61,111

cmpeds mg tnd kfjfzeod eo dfcn kdtrm. Xnd cmvdr mg tnd spmosmrdh cmpeds wmulh `d tnd

Hdcdk`dr essud mg @useodss Xmhfy, wnecn rftdh NHGC @fob fs tnd `dst `fob eo tnd cmuotry.

Mo tnd mppmsetd sehd, wmulh `d fo fhvdrtmrefl wnecn wmulh tflb f`mut NHGC fs f amod-stmp

geofocefl supdrkfrbdt'.

Jmlh Crdhet cfrh9Gmr prmveheoj tnd `dttdr sdrvecds tm tnd custmkdrs foh prmkmteoj tnder

ùseodss, NHGC nfs lfuocndh tnd Jmlh Crdhet Cfrhs. Et's mvdrlmfhdh wetn trfvdl `dodgets -

hescmuots, cfsn `fcb mggdrs, fer kelds rdhdkptemo.

Smurcd9nttp9//nhgcim`s.`lmjspmt.eo/
http://hdfcjobs.blogspot.in/http://hdfcjobs.blogspot.in/


29/47


30/47

31

Smurcd9 nttp9//www.scre`h.cmk(`mtn ekfjds)

Qmsetemoeoj9

Cmrd prmpmsetemoXrust, crdhe`elety, tmtfl geofocefl smlutemo prmvehdr (`rmujnt f`mut

tnrmujn ets crmss sdlleoj dggmrt)

Kmhdroezftemo prmcdss foh pnysecfl dvehdocd tdcnomlmjy fs tnd `fcb`mod foh

fccdldrftmr


31/47

36

Oddh ehdotegecftemo9

Fhfpteoj eotdroftemofl prfctecds tm tnd lmcfl cmotdxt

Eogmrkftemo systdk wfrdnmusd

Qrmhuct hdvdlmpkdot hdpfrtkdot cmoteoumusly stuheds kfrbdt foh foflysds

cmkpdtetevd lfohscfpd

Smurcd9nttp9//www.ecece`fob.cmk/moleodsdrvecds/mggdrzmod/XCGV/heooeojkfeoXoC.ntkl

(ekfjd6)

Smurcd9nttp9//www.eovdstcneps.cmk/0115/61/fctevftd-ecece-`fobs-ekmèld-fohjdt.ntkl

(ekfjd0)

Smurcd9 nttp9//www.glecbrevdr.cmk/pnmtms/ekuttmm/tfjs/cfomos3es/(ekfjd3)

QO@9

Quoif` Oftemofl @fob nfs dk`frbdh mo ets sdcmoh rmuoh mg rdstructureoj dssdoteflly fgmur-prmojdh strftdjy tm kfbd et strmoj domujn tm cmuotdr cmkpdtetemo.

@mstmo Cmosulteoj Jrmup), wnecn wfs dojfjdh tm hm f stuhy mo wfys foh kdfos mgekprmveoj tnd`fobs prmgetfèlety, nfs rdcdotly sujjdstdh f gmur-prmojdh strftdjy.

Xnd strftdjy eovmlvds cdotrflezftemo mg tnd `fcbmggecd, f nu`-foh-spmbd sdt-up, wndrd fll hftfmpdrftemos wmulh `d cdotrflezdh ft f seojld cdotrd. Xnd sdcmoh stdp wmulh `d tm hm f hdtfeldhstuhy mg tnd prmgetfèlety mg fll prmhucts mo tnd sndlvds, wnecn wmulh `d gmllmwdh `y
http://www.icicibank.com/onlineservices/offerzone/TCFQ/dinningmainTnC.htmlhttp://www.investchips.com/2009/10/activate-icici-banks-imobile-andget.html%20(imagehttp://www.investchips.com/2009/10/activate-icici-banks-imobile-andget.html%20(imagehttp://www.flickriver.com/photos/imuttoo/tags/canons3is/http://www.flickriver.com/photos/imuttoo/tags/canons3is/http://www.investchips.com/2009/10/activate-icici-banks-imobile-andget.html%20(imagehttp://www.investchips.com/2009/10/activate-icici-banks-imobile-andget.html%20(imagehttp://www.icicibank.com/onlineservices/offerzone/TCFQ/dinningmainTnC.html


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30

cmrrdctevd fctemos tm flejo tndk wetn tnd kfrbdt scdofrem.

Xnd tnerh strftdjy wmulh `d tm uohdrtfbd fo eotdjrftdh resb kfofjdkdot systdk tm gmllmwdh`y fo mrjfoezftemofl rdvfkp. Mrjfoezftemofl rdstructureoj wmulh eovmlvd f stuhy mg heggdrdottedrs mg tnd `fob.

QO@ nfs f gmur-tedr systdk, wnecn eocluhd `rfocnds, rdjemofl mggecds, zmofl mggecds fohndfhmggecd.

Kdfowneld, QO@ nfs flsm hdcehdh tm rdturo tnrdd crmrd snfrds tm tnd jmvdrokdot fgtdr tndessud. Ft tnd pu`lec essud et well mgglmfh dejnt crmrd snfrds tnrmujn f `mmb`uelt prmcdss.

Smurcd9nttp9//www.kdtlegd.cm.eo/KdtLegdF`mutTs]Qfrtodrs.fspx

Qrecd9

S@E9

PME gmr Gexdh Hdpmsets9

Fccmuot Ofkd Xdrk Currdocy Tphftd FQU Gexdh Hdpmset Fccmuot Hdtfels

S@E 6 Udfr Gexdh

Hdpmset6 ydfr EOP

Sdp,

01605.11%

Fpplecf`ld gmr f tdrk rfojeoj grmk 6 ydfr tm ldss tnfo 0 ydfrs

foh gmr Hdpmset fkmuots '@dlmw Pupdds Mod Crmrd' - @dlmw

Ps.64 Lfbns

S@E 3 KmotnGexdh Hdpmset

3kmotn

EOP Sdp,0160

:.11%

Xnd GH eotdrdst rftd es fpplecf`ld gmr f tdrk rfojeoj grmk : tm

6:5 hfys foh gmr `flfocd '@dlmw Pupdds Mod Crmrd' - @dlmw

Ps.64 Lfbns

S@E 7 Kmotn

Gexdh Hdpmset

7

kmotnEOP

Sdp,

0160:.11%

Xnd GH eotdrdst rftd es fpplecf`ld gmr f tdrk mg 6>1 hfys foh gmr

Hdpmset fkmuots '@dlmw Pupdds Mod Crmrd' - @dlmw Ps.64

Lfbns

* Hmkdstec hdpmsets (`dlmw Ps mod crmrd) eotdrdst rftds

rdvesdh w.d.g. 1:.15.0160.

* Hmkdstec hdpmsets (Ps mod crmrd & f`mvd) eotdrdst rftds

rdvesdh w.d.g. 1:.15.0160.


33/47

33

Fccmuot Ofkd Xdrk Currdocy Tphftd FQU Gexdh Hdpmset Fccmuot Hdtfels

* @docnkfrb Qrekd Ldoheoj Pftd (@QLP) rdvesdh

hmwowfrhs `y 04 `ps grmk 68.:4% p.f. tm 68.41% p.f.

w.d.g. 0:.15.0160.

* @fsd Pftd rdvesdh hmwowfrhs `y 04 `ps grmk 61.11% p.f.

tm 5.:4% p.f. w.d.g 01.15.0160.

ECECE9

PME gmr Lmfos9

Hdscreptemo mg Cnfrjds Qdrsmofl Lmfos Eotdrdst Pftds

Lmfo Qrmcdsseoj Cnfrjds / Mrejeoftemo Cnfrjds (Omo-

Pdguohf`ld)

Tptm 0% mg lmfo fkmuot plus Sdrvecd Xfx

Qrdpfykdot Cnfrjds

Xnd lmwdr mg tnd twm fkmuots jevdo `dlmw9

6) 4% mg preocepfl mutstfoheoj mr

0) Eotdrdst mutstfoheoj gmr tnd uodxperdh pdremh mgtnd lmfo.

Cnfrjds gmr lftd pfykdot 0% pdr kmotn

Cndqud Swfp Cnfrjds Ps. 411/- pdr trfosfctemo

Cndqud rdturo cnfrjds_ Ps. 811/- pdr rdturo

Fkmrtesftemo scndhuld cnfrjds Ps. 011/- pdr scndhuld (eoclusevd mg sdrvecd tfx)

Stftdkdot mg Fccmuot Cnfrjds Ps. 011/- pdr stftdkdot (eoclusevd mg sdrvecd tfx)

Qrdpfykdot/Gmrdclmsurd Stftdkdot Cnfrjds Ps. 611/- pdr stftdkdot (eoclusevd mg sdrvecd tfx)

Huplecftd Om M`idctemo Cdrtegecftd/ Om Hud Cdrtegecftd Ps. 411/- pdr OMC (eoclusevd mg sdrvecd tfx)Ps 011/- pdr OMC (eoclusevd mg sdrvecd tfx)

Huplecftd Pdpfykdot/Gmrdclmsurd stftdkdot Ps. 011/- pdr scndhuld (eoclusevd mg sdrvecd tfx)

Gexdh Hdpmset9


34/47

38

QO@9

PME gmr Gexdh Hdpmset & Lmfos9


35/47

34

Glmfteoj Mptemo

Tptm Ps

31 lfc

F`mvd 31

Lfcs tm . Cmrpmrftemo @fob5. NS@C @fob61.Cete @fob

Smurcd 9 nttp9//eohefrfobdr.cmk/`fobs/currdot-fccmuots

Qlfcd9

D-@fobeoj Sdrvecds9

Smurcd9nttp9//www.rdhegg.cmk/`useodss/slehd-snmw/slehd-snmw-6-spdcefl-eohefs-kmst-custmkdr-gredohly-`fobs/01661804.ntk

Kfrbdt Snfrd9
http://indiaranker.com/banks/current-accountshttp://indiaranker.com/banks/current-accounts


38/47

3>

Smurcd9nttp9//www.dquetykfstdr.cmk/4keoZrfpTp/cnfrts/eohdx.fsp=hftd;15/0>/0160&stmry;6&tetld;S@E-ldfhs-eo-km`eld-`fobeoj( ekfjd6)Smurcd9nttp9//www.webeovdst.cmk/stmcb/@fob]mg]@frmhf](OSD9@FOB@FPMHF)

Mtndrs9

S@E9
http://www.equitymaster.com/5minWrapUp/charts/index.asp?date=09/28/2012&story=1&title=SBI-leads-in-mobile-bankinghttp://www.equitymaster.com/5minWrapUp/charts/index.asp?date=09/28/2012&story=1&title=SBI-leads-in-mobile-bankinghttp://www.wikinvest.com/stock/Bank_of_Baroda_(NSE:BANKBARODA)http://www.wikinvest.com/stock/Bank_of_Baroda_(NSE:BANKBARODA)http://www.equitymaster.com/5minWrapUp/charts/index.asp?date=09/28/2012&story=1&title=SBI-leads-in-mobile-bankinghttp://www.equitymaster.com/5minWrapUp/charts/index.asp?date=09/28/2012&story=1&title=SBI-leads-in-mobile-banking


39/47

35

QO@9

Pdvdoud 37,80>crmrd (TS$7.>>

èllemo)(0160)R6[

Odt eocmkd 8,>>8crmrd (TS$503.1>

kellemo)(0160)R6[

Xmtfl

fssdts

3:3,:>7crmrd (TS$:1.74

èllemo)(0166)R6[

Dkplmydds 47,50> (0161

4111 `rfocnds

3: kellemo custmkdrs

Ftk 61111

S@E

Pdvdoud TS$ 37.541 èllemo

(0160)

Qrmget TS$ 3.010 èllemo

(0160)

Xmtfl fssdts TS$ 345.03: èllemo

(0160)

Xmtfl dquety

FXK

0:111+

@rfocnds

TS$ 01.>48 èllemo(0160)

06,411
http://en.wikipedia.org/wiki/Crorehttp://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Punjab_National_Bank#cite_note-10K-0http://en.wikipedia.org/wiki/Punjab_National_Bank#cite_note-10K-0http://en.wikipedia.org/wiki/Punjab_National_Bank#cite_note-10K-0http://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/Crorehttp://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Punjab_National_Bank#cite_note-10K-0http://en.wikipedia.org/wiki/Punjab_National_Bank#cite_note-10K-0http://en.wikipedia.org/wiki/Punjab_National_Bank#cite_note-10K-0http://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Crorehttp://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Punjab_National_Bank#cite_note-10K-0http://en.wikipedia.org/wiki/Punjab_National_Bank#cite_note-10K-0http://en.wikipedia.org/wiki/Punjab_National_Bank#cite_note-10K-0http://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Equity_(finance)http://en.wikipedia.org/wiki/Equity_(finance)http://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Punjab_National_Bank#cite_note-10K-0http://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Crorehttp://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Punjab_National_Bank#cite_note-10K-0http://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Crorehttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/Punjab_National_Bank#cite_note-10K-0http://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Crore


40/47

81

ECECE9

Pdvdoud TS$ 63.46> èllemo (0160)

Qrmget TS$ 6.441 èllemo (0160)

Xmtfl fssdts TS$ 600.43 èllemo (0160)

Xmtfl dquety TS$ 60.807 èllemo (0160)

Dkplmydds >6,048 (0160)

FXK 5373

@rfocnds 0:73

NHGC9

Pdvdoud TS$ 7.8>1 èllemo (0160)

Qrmget TS$ 5::.0 kellemo (0160)

Xmtfl fssdts TS$ :1.15> èllemo (0160)

Xmtfl dquety TS$ :.:48 èllemo (0160)

Dkplmydds 77,1:7 (0160)

6,5>7 `rfocnds
http://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Equity_(finance)http://en.wikipedia.org/wiki/Equity_(finance)http://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Equity_(finance)http://en.wikipedia.org/wiki/Equity_(finance)http://en.wikipedia.org/wiki/Equity_(finance)http://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Equity_(finance)http://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/United_States_dollar


41/47

86

4,8:6 FXKs, eo 557 ceteds

Qdmpld9

Custmkdr trdftkdot9

Eohefs kmst custmkdr gredohly @fobs9

Smurcd9 nttp9//www.rdhegg.cmk/`useodss/slehd-snmw/slehd-snmw-6-spdcefl-eohefs-kmst-

custmkdr-gredohly-`fobs/01661804.ntk


42/47

80

Smurcd9nttp9//www.rdhegg.cmk/`useodss/slehd-snmw/slehd-snmw-6-spdcefl-eohefs-kmst-custmkdr-gredohly-`fobs/01661804.ntk

Qrmcdss9

Cmkplfeots 9Xnd om. mg cmkplfeots rdcdevdh `y Qu`lec Sdctmr @fobs gfr kmrd dxcddhdh eocmkpfresmo wetn Qrevftd Sdctmr `fobs.

Smurcd9 nttp9//www.r`e.mrj.eo/screpts/Qu`lecftemosWedw.fspx=eh;68168

Cmkpfresmo9

Qfrteculfrs S@E QO@ ECECE NHGC

Eohustry @fobeoj,Ge

ofocefl

@fobeoj,Geofocefl

sdrvecds

@fobeoj,Geofocefl

sdrvecds

@fobeoj,Geofocefl

sdrvecds
http://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Bankinghttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Bankinghttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_services


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83

sdrvecds

Gmuohdh 6 Iuly 6544 6>54 6544 Fujust 6558

Ndfhqufrtdrs Kuk`fe,K

fnfrfsntrf,E

ohef

Odw Hdlne,Eohef Kuk`fe,Kfnfrfs

ntrf,Eohef

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http://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Mumbaihttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/New_Delhihttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Mumbaihttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Mumbaihttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Pratip_Chaudhurihttp://en.wikipedia.org/wiki/Pratip_Chaudhurihttp://en.wikipedia.org/wiki/Chairmanhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/K._V._Kamathhttp://en.wikipedia.org/wiki/Chanda_Kochharhttp://en.wikipedia.org/wiki/Managing_Directorhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Crorehttp://en.wikipedia.org/wiki/Crorehttp://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Credit_cardhttp://en.wikipedia.org/wiki/Credit_cardhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Credit_cardhttp://en.wikipedia.org/wiki/Credit_cardhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Credit_cardhttp://en.wikipedia.org/wiki/Credit_cardhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Credit_cardhttp://en.wikipedia.org/wiki/Credit_cardhttp://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Crorehttp://en.wikipedia.org/wiki/Crorehttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Managing_Directorhttp://en.wikipedia.org/wiki/Chanda_Kochharhttp://en.wikipedia.org/wiki/K._V._Kamathhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Chairmanhttp://en.wikipedia.org/wiki/Pratip_Chaudhurihttp://en.wikipedia.org/wiki/Pratip_Chaudhurihttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Mumbaihttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Mumbaihttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/New_Delhihttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Mumbaihttp://en.wikipedia.org/wiki/Financial_services


44/47

88

kfofjdkdo

t

Pdvdoud

TS$ 37.54

1 èllemo

(0160)

8,>>8crmrd (TS$>>8

kellemo)(0160)

TS$ 63.46>

èllemo (0160)

TS$ 7.8>1

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Qrmget

TS$ 3.010

èllemo

(0160)

3:3,:>7crmrd (TS$7:.

77 èllemo)(0166)

TS$ 6.441

èllemo (0160)

TS$ 5::.0

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345.03:

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(0160)

47,50> crmrd (0161) TS$ 600.43

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TS$ :1.15>

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Cmoclusemo & Pdcmkkdohftemo9

Le`drflezftemo nfs rdflly cnfojdh tnd `fobeoj eohustry. Et es om lmojdr domujn gmr `fobs tm

iust kfofjd kmody dggecedotly2 tndy flsm nfvd tm kfofjd custmkdrs, wnm omw nfvd f wehd

cnmecd mg fltdroftevds.

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hdkmjrfpnec foh psycnmjrfpnec prmgelds. Xnd Eotdrodt nfs dof`ldh D-@fobeoj tm dfcn

custmkdr fs fo eohevehufl, wetn heggdrdot oddhs foh rdquerdkdots. Omw sdrvecds nfvd `dcmkd

tnd crucefl heggdrdoteftmrs.

Omw fll tnd `fobs nfvd tm dxcdl eo fll tnd gedlhs. S@E es tnd èjjdst `fob eo fll tnd `fobs tfbdogmr tnd prmidct ùt ECECE es gfr kmrd tnfo S@E eo Kfrbdteoj foh Fhvdrtesdkdot. Dvdry pfsseoj

kmkdot custmkdrs frd mpteoj gmr Qrevftd `fobs `dcfusd mg tnder supdremr Custmkdr trdftkdot

foh kfrbdteoj strftdjeds. Omw tnd tekd nfs jmod wndrd Qu`lec Sdctmr @fobs wdrd syomoyks

gmr sdcurety. Omw custmkdrs frd lmmbeoj gmr `dst sdrvecds suetf`ld gmr tndk. Sm tnd hesteoctemo

eo prmhucts & sdrvecds gmr dfcn foh dvdry eohevehufl es kfohftmry.

Pdgdrdocds9

6. nttp9//do.webepdhef.mrj/webe/Stftd]@fob]mg]Eohef

0. nttp9//do.webepdhef.mrj/webe/ECECE]@fob
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45/47

84

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61.nttp9//vmecdohftf.ceml.cmk/cmotdot/jmlh`mmb/jmlh`mmb1:/61:136018.fsp

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63.nttp9//www.nhgc`fob.cmk/

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67.nttp9//www.eckreohef.mrj/cfsdstuheds/cftflmjud/@useodss%01strftdjy0/@SXP630.ntk

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04.nttp9//www.scre`h.cmk

07.nttp9//www.jmmjld.cmk
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Comparison of Public & Private Sector Banks on the basis of 9 P's- Project Report