Anant Project Report

8/3/2019 Anant Project Report

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A PROJECT REPORT

ON

SEGMENTATION AND SELLING OF SAVING ACCOUNT FOR HDFC BANK LTD

CARRIED OUT AT

BY

ANANT PRASAD PANDA

IN PARTIAL FULFILLMENT OF

POST GRADUATE DIPLOMA IN MANAGEMENT

(20102012)

NAME OF THE PROJECT GUIDE:

From college- prof. Radhika singh

From company- Mr. Raghwendra Singh Rana


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ACKNOWLEDGEMENT

The summer training in HDFC Bank has been a truly remarkable experience. The

experience gained during 8 weeks of training period have been quite enriching andthe intensive exposure to market environment would prove beneficial in the long

run as well as in the outlet of planning, building and shaping my career in future.

It gives me immense pleasure in acknowledging the valuable guidance extended to

me by various person of HDFC in successful completion of this project

I sincerely thank Mr. Raghwendra Singh Rana Sales Manager of Aundh Branch

for their kind cooperation for completing this project. I am very thankful to

Professor Kadambani kumari, my internal project guide for having equipped mewith the skills which contributed a great deal in the successful completion of the

project.

At last, but not the least, I would like to thank the customers to cooperate with me

in giving me through and valuable information for the project.

ANANT PRASAD PANDA

ISBS PUNE,

(2010-2012)


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EXECUTIVE SUMMARY

The project was carried out for Segmenting the market for saving

Accoun t o f HD FC B ank . HDFC Bank was established in the year

1994, they are old player in banking sector, The bank has two principle

client segments customer and asset management. The bank follows

values such as Integrity, teamwork, respect, professionalism, & Mission.

The segment of bank we are considering here is- Retail banking. The

product out of which have chosen for research is Saving Accounts. This

research helps us in finding out type of customer who r using HDFC saving

account. This also helps us in finding out customers view regarding theproduct and Services offered by the HDFC bankand also identifying the

market potential of the product offered by the HDFC bank.

Banks are essentially known for transferring financial resources from net

savers to net borrowers .the banking sectors plays a dominant role in the

complex financial system of a country by accepting deposits from the public

and using them to make credit available to households ,government

,businesses and others .

Propelled by a steady growth in all sectors and fuelled by a buoyant economy,

the consumers and corporate spending power in India its zooming its way,

and this very power is enabling the banking industries in many cities to shine

and smile too.

Communication is the truest form of expression .communication transcends

all class, social cultural, economical and geo-political barriers

.communication is a key approach in building relation.


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If one is asked to describe todays business scenario in one sentence, then the

only sentence that seems to be perfect is CONSUMER IS KING that is held

true even today at HDFC bank.

Studies made on individual reveals that the person have an ideal image of the

product they are going to use .The product hence that is designed is known as

ideal status symbol and relationship is established when the product provides

customer satisfaction ,this is known as individual relationship.

The topic plays an information role in providing knowledge about different

people, their needs and their status .It also gives a brief knowledge how a

bank works is there to establish a relation with the individual.

Thus ,the information was collected in the form of assessment forms and

questionnaire which was later on assessed i.e. a comparison was made done is

needed to develop the product on provide after sale service on behalf of

HDFC Bank to its end customers in various parts of the country.

The topic is thus important in many ways as-:

I had an opportunity to work on live project rather than a mock project thus; it

was great learning experience while working on this project, my findings

would be quite helpful for the organization in formulating future course of

action.

Finally, the end customer is going to get the benefits from the project , it is

because they can get prompts service after proper suggestion and remedial.

Thus, companys quality policy of MAINTAINING RELATIONSHIP is

also fulfilled with this project.


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RESEARCH OBJECTIVES:

(a) segmenting the market on the demographic baseis

(b) Finding the market for saving account of HDFC Bank

(b) Measuring the effectiveness of the bank product, services and facility in

terms of its customer satisfaction.

(c) To know different behavior of customer who are using services of

HDFC bank

Research Methodology -:

It is a systematized effort to gain new Knowledge. The main researched is to

disclose answers to question through the application scientific procedure.

Type of Research-: In this project descriptive researched methodology has beenused.

Primary data source: The people from different profession such as C.A, Doctors,

and Busineesman were personally visited and interviewed. They were the

main source of Primary data. The method of collection of primary data was

direct personal interview through a structured questionnaire.

Secondary Data S o urc e :

It was collected from internal sources. The secondary data was collected on the

basis of organizational file, official, records, news papers, magazines,

management books, preserved information in the companys database and website


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of the company.

Sample design-

Sample unit- Different professionals, Chartered Accountants, Tax Consultants,

Lawyers, Business Man and House Wives of Aundh , Baner , Sush Road, Pimple

Saudgar and Bawdhan area .

Sample frame - Customers which are using retail banking (S.A) of HDFC bank

as wel as who are planning to switch to HDFC Bank.

Sample size-450

Sample Method: Random Sampling.

SAMPLE SIZE:

My sample size for this project was 450 respondents. Since it was not possible

to cover the whole universe in the available time period, it was necessaryfor me to take a sample size of 450 respondents.

RESEARCH LIMITATIONS:

It was not possible to understand thoroughly about the different marketing

aspects of the Financial Consultant within 60 days. All the work was limited

in some limited areas of Pune so the findings should not be generalized.

The area of research was Pune and it was too vast an area to cover within 45

days. All the findings and conclusions obtained are based on the survey done

in the working area within the time limit. I tried to select the sample


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representative of the whole group during my job training. I have collected

data from people linked with different profession at PUNE.


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INDUSTRY OVERVIEW


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HISTORY OF BANKING IN INDIA

The first bank in India, though conservative, was established in 1786. From

1786 till today, for centuries, bank has played an important role in the financial

system of any economy. That vital role continues even today although the formsof banking have changed with the changing needs of the economies. Banking in

its crude form is an age-old phenomenon and its invention preceded that of

coinage. As new and more sophisticated instruments of currency evolved, so did

banking. It evolved as business expanded and barter system gave way to money,

which needed safe deposited. In its simple from, it originated from temple and

royal palaces around 1000 B.C in Babylon, as the strongest faith of people was in

the places of worship and royal houses as safe places for keeping money and

valuables. The practice of depositing personal valuables at these places, whichwere also functioning as treasuries against a receipt, was perhaps the earliest

form of banking. When coins made of precious

metal like gold and silver emerged as commonly accepted form of wealth.

Lending activity at an interest began. Goldsmiths were the initial banker and their

receipts for money received-grunted payments or goldsmith receipts were the

earliest fans of bank instruments. Revilpout, a French writer mentions about

banks and bank notes in Babylon in 600. The journey of Indian Banking System

can be segregated into three distinct phases. They are as mention below: Early

phase from 1786 to 1969 of Indian Banks Nationalization of Indian banks and up

to 1991 prior to Indian Financial & Banking sector Reforms after 1991.

PHASE I

The General Bank of India was set up in the year 1786. Next came Bank of

Hindustan and Bengal Bank. The East India Company established Bank of

Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) As

independent units and called it presidency Banks. These three banks were

amalgamated in 1920 and Imperial Bank of India was established which started

as private shareholders banks, mostly Europeans shareholders. Reserve Bank of

India came in 1935. Reserve Bank of India was vested with Extensive powers for

the supervision in India as the central banking.

PHASE II

Government took major steps in this Indian Banking Sector Reform after

independence. In 1955, it nationalizes Imperial Bank of India with extensive


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banking facilities on a large scale especially in rural and semi- urban area. It

formed State Bank of act as the principal agent of RBI and handle banking

transactions Of the Union and State governments all over the country. The

following are steps taken by Government of the India to regulate Banking

institutions in the country:1949: Enactment of banking regulation Act.

1955: Nationalization of State Bank of India.

1959: Nationalization of SBI subsidiaries.

1969: Nationalization of 14 major banks.

1971: Creation of credit guarantee corporation.

1975: Creation of regional rural banks.

1980: Nationalization of seven banks with deposits over 200 Crore.

PHASE III

This phase has introduced many more products and facilities in the banking

sector in its Reforms measure. In 1991, under the chairmanship of M

Narasimham, a committee was set up by his name which worked for the

liberalizations of banking practices. The country is flooded with foreign banks

and their ATM stations Efforts are being put to give a satisfactory service to

customers. Phone banking and net banking is introduced. The entire system

became more convenient and swift. Time is given more importance than money.

INDUSTRY BACKGROUND:

THE Indian Banking sector consists of public sectors, private sectors and foreign

banks apart from smaller regional cooperative banks .public sectors banks

dominate the banking sector in terms of market share but are hindered by legacy

factors as well as services and quality issues .private banks is constrained by the

size factors as they are basically NICHE players .foreign banks have limited

branch networks and capital commitment.

HDFC bank is a part of HDFC group limited HDFC registered office is located

at senpati Bapat Marg ,lower parel ,Mumbai .HDFC bank started its operation in

the year 1994,there is a saying opportunity knocks the door only once .to work

with MNC is anybody s dreams come true.

HDFC bank today is one of the leading banks in the private sectors .the branch

offers services such as 24 hours banking through ATMs ,internet banking ,phone

banking ,mobile banking ,etc .it uses technology as a vehicle to open up new


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frontiers of internet banking , thus making its operation location independent ,it

uses all the modernized computerized system and equipment and thus cater to

most part of the country.

The bank is one of them ,which had grown at rapid pace and had scales newheight and leadership position in terms of clients ,products, talents reach and

capital all vital ingredients for continuous growth and profitability.

The bank was selected as the best bank in India by the business world

magazines for 4th consecutive year ,Forbes magazines named the bank :best

listed bank in India at the assets magazines AAA country awards .today the

bank starts at fare front of the Indian financial sector by compilersthe best retail

, corporate and treasury product with sound risk ,human recourse and state of the

art technology support HDFC bank has more than 1725 branches in more than780 cities and over more than 50 ATMs across the country. And so thus it caters

to most of the parts of the country .the bank uses advance software and system to

provide services like any where banking and ATM connectivity .it also offers

international banking services of which some of them are connected to swift

network.


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COMPANY PROFILE


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Origin of the Organization:-

Housing Development Finance Corporation Limited, more popularly known as

HDFC Bank Ltd, was established in the year 1994, As a part of the liberalizationof the Indian Banking Industry by Reserve Bank of India (RBI). It was one of the

first banks to receive an 'in principle' approval from RBI, for setting up a bank

in the private sector. The bank was incorporated with the name 'HDFC Bank

Limited', with its registered office in Mumbai. The following year, it started its

operations as a Scheduled Commercial Bank.

HDFC Bank Limited. The Group's principal activities are to provide banking

and other financial BANK. The Group operates through four segments:

Treasury, Retail Banking, Wholesale Banking and Other Banking Business. TheTreasury BANK segment consists of net interest earnings on investments

portfolio of the bank and gains or losses on investment operations. The Retail

Banking segment serves retail customers through a branch network and other

delivery channels. This segment raises deposits from customers and makes loans

and provides advisory BANK to customers. The Wholesale Banking segment

provides loans and transaction BANK to corporate and institutional customers.

The Other Banking Operations segment provides BANK relating to credit cards,

debit cards, third party product distribution and primary dealership business and

other associated costs.

The Bank was incorporated on30th August 1994. A new private sector Bank

promoted by housing Development Corporation Ltd. (HDFC), a premier housing

finance company. The bank is the first of its kind to receive an in-principle

approval from the RBI for establishment of a bank in the private sector.

Certificate of Commencement of Business was received on10th October 1994

from RBI. The Bank transacts both traditional commercial banking as well as

investment banking. HDFC, the promoter of the bank has entered into an

agreement with National West minister Bank Pc. and its subsidiaries (Nat west

Group) for subscribing 20% of the banks issued capital and providing technical

assistance in relation to the banks proposed banking business.


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Organizational structure

Each team lead has a team comprising only of both senior as well as junior

market research analyst who aid the team lead in the entire market researchprocess as it has been discussed previously. This is the basic organizational

structure followed by HDFC BANK.


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Operations

Treasury Corporatebanking Retailbanking

Savings Current Salary


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Product and service profile


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Product and service profile of the organization:-

PREMIUM SAVING ACCOUNT

HDFC Premium Banking is especially for high net

income people i.e. anybody earning more than 10 lakhs annually .it is anextension of saving account.

Premium Banking is divided into three major categories.

HDFC Bank Imperia Banking -:

HDFC Bank Imperia Premium Banking programme is designed for the

royalty of today - you. It seeks to enhance the exclusivity that you are

accustomed to and pampers you with services that others can only dream

about.

Be it a dedicated Client Relationship Manager, customized investmentadvisory or exclusive privileges, Imperia takes care of every little detail to

ensure a banking experience like no other.

HDFC Bank Preferred Banking-:

HDFC bank preferred banking is an exclusive banking. Where customers

will never again have to wait to be served. With HDFC Bank Preferred

Programme, customer comfort always comes first.

Ideal for seasoned professionals or businessmen, this programme will provide

customers with a banker dedicated to take care of all your banking and

investment needs. It also means you get preferential rates on various banking

products and other exclusive benefits.

HDFC Bank Classic Banking -:

HDFC Bank Classic Banking experience banking beyond the ordinary,.

Becoming an HDFC Bank Classic customer entitles customers to a host of

benefits, including a bouquet of preferentially priced products and

specialized Investment solutions.

To ensure that customers make of all these offering , customers are


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assigned a PERSONAL BANKER who will be the one point contact for

all their banking needs

SIMPLE SAVING ACCOUNTS-:

Banking should be effortless. With HDFC Bank, the efforts are rewarding. No

matter what a customer's need and occupational status,

Whether you're employed in a company and need a simple Savings account or

run your own business and require a robust banking partner, HDFC Bank not

only has the perfect solution for the customer, but also can recommend products

that can augment planning for the future.

SAVING MAX-:

Savings Max account, loaded with maximum benefits to make customers

banking experience a pleasure. By maintaining an average quarterly balance of

just Rs. 25,000/-.

Features & Benefits-

FREE GOLD DEBIT CARD

Free Payable-at-Par (PAP) chequebook, without any usage charges up to a limit

of Rs. 2 lac per month.

Self/Third Party Cash Deposit/Withdrawal at non-home branches, up to Rs

50,000/- per day free.

Free Net Banking, Phone Banking & Mobile Banking.

Optional "Money Maximizer"

Insurance benefits up to 1 lac per annum.


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SAVING REGULAR ACCOUNT-:

An easy-to-operate savings account that allows you to issue cheques, draw

Demand Drafts and withdraw cash. Check up on your balances from the comfort

of your home or office through Net Banking, Phone Banking and Mobile

Banking. . By maintaining an average quarterly balance of just Rs. 10,000/-

.Need money urgently? Withdraw cash from any of the 4,393 ATM centers

spread across the country.

Features & Benefits

Wide network of branches and over thousand ATMs to meet all your banking

needs no matter where you are located.

Bank conveniently with facilities like Net Banking and Mobile Banking- check

your account balance, pay utility bills or stop cheque payment, through SMS.

Avail of facilities like Safe Deposit Locker, Sweep-In and Super Saver facility

on your account.

Free Payable-at-Par chequebook, without any usage charges up to a limit ofRs.50,000/- per month.

Free Insta Alerts for all account holders for lifetime of the account..

Free Passbook facility available at home branch for account holders

(individuals).

Kids Advantages account -:

Children these days are way ahead of their times. Make sure your

investments don't fall short. Now through HDFC Bank's Kid's Advantage

Account you can ensure your child's secured future and fulfill all his dreams in

time. The Kid's Advantage Account presents you a great way to accumulate

savings for your child and provide him the head-start required to succeed in life.

It's an account which grows with your child to meet his future monetary

requirements.


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Features & Benefits

Free Education Insurance cover of Rs. 1,00,000/-

ATM/International Debit Card will be issued for children between 7-18 years of

age in the child's name with parents permission.

Free cash withdrawals on any other Bank's ATM.

1 free personalized cheque book for your child.

Free Net Banking for you to monitor your child's account.Free SMS/Email alerts informing you about the account transactions.

Once the balance in the Kid's Advantage Account reaches/exceeds Rs. 35,000/-,

the amount in excess of Rs. 25,000/- will automatically be transferred into a

Fixed Deposit for 1 year 1 day, in your child's name, by signing in for our sweep-

out facility

SENIOR CITIZENS ACCOUNT-:

HDFC Bank appreciates your needs and Endeavours, which is why, HDFC

BANK present an account especially dedicated to senior citizens, which like a

dutiful child will help you fulfill your needs in the best manner possiblle

Features & Benefits

Shop with pride with your Easy Shop International Debit Card.

Payable-at-Par (PAP) cheque books are issued free.

Avail of free Passbook facility at your account branch.

Avail free SMS alerts to know the transactions in your account.

Get preferential rates on FDs.


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Get Accidental Hospitalization cover of Rs.50,000/- per annum. This is a

reimbursement cover for the first applicant.

Gold Credit Card free.


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RESEARCH METHODOLOGY

All the findings and conclusions obtained are based on the survey done in the

working area within the time limit. I tried to select the sample representative ofthe whole group during my job training. I have collected data from people linked

with different profession at Pune.

4.1 RESEARCH PLAN:

4.1.1. Preliminary Investigation: In which data on the situation surrounding the

problems shall be gathered to arrive at

The correct definition of the problem.

An understanding of its environment.

4.1.2. Exploratory Study: To determine the approximate area where the problem

lies.

4.2 RESEARCH DESIGN:

Research was initiated by examining the secondary data to gain insight into the

problem. By analyzing the secondary data, the study aim is to explore the short

comings of the present system and primary data will help to validate the analysis

of secondary data besides on unrevealing the areas which calls for improvement.

4.2.1 DEVELOPING THE RESEARCH PLAN:The data for this research project has been collected through self Administration.

Due to time limitation and other constraints direct personal interview method is

used. A structured questionnaire was framed as it is less time consuming,

generates specific and to the point information, easier to tabulate and interpret.

Moreover respondents prefer to give direct answers. In questionnaires open

ended and closed ended, both the types of questions has been used.

4.2.2 COLLECTION OF DATA:1: Secondary Data: It was collected from internal sources. The secondary data

was collected on the basis of organizational file, official records, news papers,

magazines, management books, preserved information in the companys database

and website of the company.


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2: Primary data: All the people from different profession were personally visited

and interviewed. They were the main source of Primary data. The method of

collection of primary data was direct personal interview through a structured

questionnaire.

4.3 SAMPLING PLAN:

Since it is not possible to study whole universe, it becomes necessary to take

sample from the universe to know about its characteristics.

Sampling Units: Different professionals Chartered Accountants, Tax

Consultants, Lawyers, Business Man, Professionals and House Wives of Pune.

Sample Technique: Random Sampling.

Research Instrument: Structured Questionnaire.

Contact Method: Personal Interview.

4.4 SAMPLE SIZE:

My sample size for this project was 200 respondents. Since it was not possible to

cover the whole universe in the available time period, it was necessary for me to

take a sample size of 200 respondents.

4.5 DATA COLLECTION INSTRUMENT DEVELOPMENT: The mode of

collection of data will be based on Survey Method and Field Activity. Primary

data collection will base on personal interview. I have prepared the questionnaire

according to the necessity of the data to be collected.


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DATA ANALYSIS


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1. do you have account in HDFC bank

OPTIONS NO. OF RESPONDENTS

(a)YES 150

(b)NO 300

TOTAL 450

INTREPRETRATION

This shows that market penetration of HDFC bank is about 33 %. As the AQB of nationalized

and cooperative bank is very low.

33%

67%

respondant

yes

no


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2. Your Age

OPTIONS Having A/C in HDFC Bank Not Having A/C in HDFC Bank

18-23 Years25 120

24-29 Years35 65

30-35 Years60 40

35 Years and above30 75

TOTAL 150 300

INTREPRETATION

This shows that maximum customer who are having a/c in HDFC bank is of 30 to 35 years of

age. The maximum no. customers who dont have a/c in hdfc bank is of 18-23 years of age

which is the minimum age group for a/c holder in HDFC.

25

35

60

30

120

65

40

75

0

20

40

60

80

100

120

140

18 - 23 24 - 29 30 - 35 35 & above

Having a/c

Not having a/c


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3. Education Qualification.

OPTIONS Having A/C Not having A/C

Undergraduate 18 147

Graduate 58 72

Post graduate 74 81

TOTAL 150 300

INTREPRETATION

This shows that maximum no. of customer who are having a/c is post graduate, while undergraduate

customer is very low in number. Maximum no. of people who dont have a/c in HDFC bank is

undergraduate.

0

20

40

60

80

100

120

140

160

Undergraduate Graduate Post graduate

Having a/c

Not having a/c


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4. Marital Status.

OPTIONS Having A/C in HDFC Not having A/C in HDFC

Married 97 129

Single 53 171

TOTAL 150 300

INTERPRETATION

This shows that maximum customer of HDFC bank is married, while the people who dont having a/c inHDFC bank is single in more number.

0

20

40

60

80

100

120

140

160

180

Maried Single

Having a/c

Not having a/c


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5. Number Ofyears Are You in Pune.


Less than five years 97 167

More than five years 53 133

TOTAL 150 300

INTERPRETATION

This shows that the maximum no. of customer of HDFC bank is not older than 5 five for pune.

0

20

40

60

80

100

120

140

160

180

Less than 5 years More than 5 years

Having a/c

Not having a/c


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6. What is your Occupation?


Business 63 74

Profession 32 63

Private Service 42 66

Public Service 13 97

TOTAL 150 300

INTREPRETATION

This shows that maximum no. of customer of HDFC is businessman, whil people who works in public

sector having lowest share in a/c holders.

0

10

20

30

40

50

60

70

80

90

100

Business Profession Private Service Public Service

Having a/c

Not having a/c


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7. Your annual household income.


Less than 2 lacks 7 127

Between 2 to 5 lacks 23 83

Between 5 to 8 lacks 51 47

More than 8 lacks 69 43

TOTAL 150 300

INTERPRETETION

This shows that the maximum no. of customer of HDFC bank having annual income of more than 8 lacks,

the people who have annual income of less than 2 lacks cant maintain the AQB of HDFC bank.

As the people who have less than 8 lacks is minimum for not having a/c in HDFC, means HDFC is taping

the higher income class people

0

20

40

60

80

100

120

140

Less than 2

lacks

Between 2 to 5

lacks

Between 5 to 8

lacks

More than 8

lacks

Having a/c

Not having a/c


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8. Are you a member of a club/gymkhana?


Yes 127 179

No 23 121

TOTAL 150 300

INTERPRETATION

This shows that the people who have a/c in HDFC bank is a member of any club or gymkhana.

While the maximum no of people who dont have a/c in HDFC bank is not a member of any club or

gymkhana

0

20

40

60

80

100

120

140

160

180

200

yes no

Having a/c

Not having a/c


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9. How much do you personally give importance to the business banking relationship?


Highly 77 153

Very Much 33 67

So -So 24 49

Not Much 14 29

No Importance 2 2

TOTAL 150 300

INTERPRETATION

This shows that the customer of HDFC bank give highly importance to banking relationship

0

20

40

60

80

100

120

140

160

Highly Very Much So - So Not much No

Importance

Having a/c

Not having a/c


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10.Do you often want to change your bank?


Yes 24 72

Rarely 27 63

Depends on Situation 46 67

Never 53 98

TOTAL 150 300

INTREPRETATION

This shows that customer of HDFC bank rarely want to change their bank,

0

10

20

30

40

50

60

70

80

90

100

yes Rarely Depends on

Situation

Never

Having a/c

Not having a/c


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11.Do you want to open an savings account with HDFC Bank?


Yes - 43

No - 108

Will Tell Later - 149

TOTAL 150 300

INTERPRETATION

This shows that 14% people are ready to open a/c in HDFC bank.

14%

36%

50%

opening a/c with HDFC

Yes

No

Will Tell Later


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12.What is your perception about different products and services offered by HDFC

Bank?


Lucrative 104 89

Not Lucrative 19 92

No Idea 27 119

TOTAL 150 300

INTERPRETATION

This shows that the customer of HDFC bank is satisfied with product of the bank

0

20

40

60

80

100

120

Lucrative Not Lucrative No Idea

Having a/c

Not having a/c


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13.would you like to maintain long-lasting relationship with HDFC Bank?


Yes 63 -

May be 27 -

Depends on Situation 37 -

No 23 -

TOTAL 150 300

INTERPRETATION

This shows that alarge no. of HDFC banks customer wan to maintain their relationship for long time

42%

18%

25%

15%

maintaining Relationship with HDFC

yes

May be

Depends on Situation

No


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14.Are you satisfied with HDFC Banks services?


Highly Satisfied 32 -

Satisfied 28 -

Neutral 47 -

Dissatisfied 27 -

Highly Dissatisfied 16

TOTAL 150 300

INTERPRETATION

21%

19%

31%

18%

11%

satisfaction level of customer

highly satiafied

satisfied

neutral

dissatisfied

highly dissatified


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THE QUESTIONNAIRE:

Dear Sir/Madam,

I am a student of INDIRA SCHOOL OF BUSINESS STUDIES, Pune and presently

doing a project on MARKET SEGMENTATION AND SELLING OF SAVINGS

ACCOUNT . I request you to kindly fill the questionnaire below and I assure you that the data

generated shall be kept confidential.

.

15.do you have account in HDFC bank

yes

no

16.Your Age

18-23 Years

24-29 Years

30-35 Years

35 Years and above

17.Education Qualification.

Undergraduate

Graduate

Post graduate

Name: ..

Address: ..

Contact No :( O) (M)

City: ...............Pin: .State:.


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18.Marital Status.

Married

Single

19.Number Of years Are You in Pune.

Less than five years

More than five years

20.Occupation

Business

Profession

Service

(Please mention below the type of business/profession you are in incase of service please mention

your organization name and designation)

21.Your annual household income.

than 8 lack

22.Are you a member of a club/gymkhana?

Yes

No

If yes, Name of the club /gymkhana_______________________________________

23.How much do you personally give importance to the business banking

relationship?

Highly

very much

so-so

not much

24.Do you often want to change your bank?


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never

depends on situation

rarely

yes

25.Do you want to open an savings account with HDFC Bank?

Yes

No

Will tell later

26.What is your perception about different products and services offered by HDFC

Bank?

Lucrative

Not lucrative

No idea

27.would you like to maintain long-lasting relationship with HDFC Bank?

yes

may be

depends on situation

no

28.Are you satisfied with HDFC Banks services?

Highly satisfied

Satisfied

partially satisfied

not satisfied

Date:

Place:

Signature


42/42

Thank You

Documents

Anant Project Report