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    Analysis of Major Segments For Current Account Business: Project Report On

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    Aman Nostalgic
    This document is a project report submitted by Amit Gawande to the Lala Lajpatrai Institute of Management in partial fulfillment of an MMS degree. The project analyzes the current account business of HDFC Bank, focusing on underperforming branches. It identifies business opportunities and concerns leading to underperformance. It compares HDFC's current product offerings to desired features and recommends modifications. It also studies transaction patterns of various segments to understand preferences and profitability, and recommends product modifications to suit segments. The report contains an introduction to HDFC Bank, an overview of their current account types, analysis of 4 key segments, findings, conclusions, and recommendations.

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    Analysis of Major Segments For Current Account Business: Project Report On

    Uploaded by

    Aman Nostalgic
    77 views9 pages
    This document is a project report submitted by Amit Gawande to the Lala Lajpatrai Institute of Management in partial fulfillment of an MMS degree. The project analyzes the current account business of HDFC Bank, focusing on underperforming branches. It identifies business opportunities and concerns leading to underperformance. It compares HDFC's current product offerings to desired features and recommends modifications. It also studies transaction patterns of various segments to understand preferences and profitability, and recommends product modifications to suit segments. The report contains an introduction to HDFC Bank, an overview of their current account types, analysis of 4 key segments, findings, conclusions, and recommendations.

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    This document is a project report submitted by Amit Gawande to the Lala Lajpatrai Institute of Management in partial fulfillment of an MMS degree. The project analyzes the current account business of HDFC Bank, focusing on underperforming branches. It identifies business opportunities and concerns leading to underperformance. It compares HDFC's current product offerings to desired features and recommends modifications. It also studies transaction patterns of various segments to understand preferences and profitability, and recommends product modifications to suit segments. The report contains an introduction to HDFC Bank, an overview of their current account types, analysis of 4 key segments, findings, conclusions, and recommendations.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    77 views9 pages

    Analysis of Major Segments For Current Account Business: Project Report On

    Uploaded by

    Aman Nostalgic
    This document is a project report submitted by Amit Gawande to the Lala Lajpatrai Institute of Management in partial fulfillment of an MMS degree. The project analyzes the current account business of HDFC Bank, focusing on underperforming branches. It identifies business opportunities and concerns leading to underperformance. It compares HDFC's current product offerings to desired features and recommends modifications. It also studies transaction patterns of various segments to understand preferences and profitability, and recommends product modifications to suit segments. The report contains an introduction to HDFC Bank, an overview of their current account types, analysis of 4 key segments, findings, conclusions, and recommendations.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    of 9

    PROJECT REPORT ON

    ANALYSIS OF MAJOR SEGMENTS FOR CURRENT ACCOUNT BUSINESS


    In

    HDFC BANK LIMITED

    SUBMITTED IN PARTIAL FULFILMENT OF THE REQUIREMENT OF MASTER OF MANAGEMENT STUDIES

    BY

    AMIT GAWANDE
    ROLL NO. : 201040 MMS-II (SEM III) YEAR 2010-2012

    LALA LAJPATRAI INSTITUTE OF MANAGEMENT MAHALAXMI, MUMBAI 400034

    PROJECT REPORT ON

    ANALYSIS OF MAJOR SEGMENTS FOR CURRENT ACCOUNT BUSINESS


    In

    HDFC BANK LIMITED

    SUBMITTED IN PARTIAL FULFILMENT OF THE REQUIREMENT OF MASTER OF MANAGEMENT STUDIES BY

    AMIT GAWANDE
    ROLL NO. : 201040 MMS-II (SEM III) YEAR 2010-2012

    LALA LAJPATRAI INSTITUTE OF MANAGEMENT MAHALAXMI, MUMBAI - 400034

    SUMMER INTERNSHIP PROJECT

    SUBMITTED BY AMIT GAWANDE ROLL NO. : 201040 MMS II (SEM III) Year 2010-2012

    Certificate This is to certify that the project work titled Analysis of major segments for current account business is a summer internship work carried out by Mr. Amit Gawande The project was completed for HDFC BANK LIMITED, under the guidance of Mr.Manish Makhija,AVP,CURRENT ACCOUNTS. I further certify that the said work has not been submitted in the part or in full, to any other University.

    Date:

    ____________________
    Prof. Arati Kale Project Guide

    ____________________
    Dr V.B. Angadi Director, Lala Lajpatrai Institute of Management

    DECLARATION
    I, Mr. Amit Gawande, student of Lala Lajpatrai Institute of Management of MMS II (Semester III) hereby declare that I have completed the summer internship project on in the Academic year 2010-2012. The information submitted is true & original to the best of my knowledge.

    Signature of the student

    ACKNOWLEDGEMENT
    At the outset of this project, I would like to express my profound thanks to a few people without whose help, completion of this project would not have been possible. First and foremost, I would like to express sincere thanks to HDFC Bank Limited for giving me this opportunity to work with them. The list is endless but to name a few special people, I would like to thank Mr.Manish Makhija, AVP, Current Account Department for being extremely supportive and guiding me throughout my internship and giving me constant motivation and expert advice. I would also like to thank the entire Marketing Department, HDFC for providing me their precious time and making this internship a successful learning experience. I am very grateful to Dr. Angadi, Director of Lala LajpatRai Institute of Management, for giving me the opportunity to do this project in HDFC Bank Limited.My sincere thanks to Prof. Arati Kale for her valuable guidance and advice in completing this project.Last but not the least; I take pride in thanking my family, siblings and friends for their much valued support.

    EXECUTIVE SUMMARY
    Research was done in order to analyze the performance of Current Account Business for HDFC Bank Ltd. of the underperforming branches and thus give recommendations and develop strategies for them which help in achieving their targets and the required profitability at all the times throughout the year.

    These underperforming branches were selected on the basis of the following parameters: Current account being the top three products in the branch. 1. They have achieved less than 50% targets for current account business in the previous financial year. 2. The plan for current account business is more than Rs.1 Cr.

    Business

    Opportunities, Market

    Dynamics

    and concern areas

    leading to

    underperformance of these branches were identified after going through the reports prepared by Cluster Heads to whom these branches are reporting. The features of the present Current Account products available with the bank were compared with the desired features and recommendations were given on the basis of the following: 1. 2. 3. Modifications / Customization of existing products. product requirements. Steps to be taken by branches in order to improve market share in their region. 4. Profitable / viable mass segments to be pursued for business opportunities basis Cost Benefit Analysis The transaction pattern of these segments were studied in order to understand the most preferred transaction mode in these segments, the average amount per transaction, monthly balances maintained by them, profitability for the bank. On

    the basis of the above current product offering by the bank was compared with the specific features of the segments and thus helped recommending modifications required in the current offering to suit them.

    INDEX

    Topics

    Page no.

    SECTION A: Introduction and Research methodology............................................1 1.1 General Introduction of the Project1

    1.2 1.3 1.4

    Objective of the Study2 Scope of the study..3


    Research Methodology..4

    1.4.1 Type
    1.4.2 Sampling 1.4.3 Data Collection

    SECTION B: Introduction....5 2.1 HDFC A brief introduction5 2.2 Promoter....5 2.3 Business Focus..5 2.4 Distribution Network6 2.5 Current Account In Brief..7

    SECTION C: Types of Current Accounts...8 3.1 Plus Current Account....9 3.2 Trade Current Account...10 3.3 Premium Current Account..11 3.4 Regular Current Account11 3.5 Flexi Current Account.12

    SECTION D: Presentation And Analysis of Data14 4.1 Building Material Analysis.14 4.2 Electrical Goods Analysis...21 4.3 Jewellery Analysis..28 4.4 Marble Granite Analysis.37

    SECTION E FINDINGS.45 CONCLUSION .46 RECOMMENDATIONS.......................................................................................................................47

    GLOSSARY BIBLIOGRAPHY QUESTIONNAIRE

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