Mt Final Ppt

T R O P E R L A N I F ON T N E M E G A N A M 1 S I THES SRINIVASARAO.G 7NBGU068

R E M O T S U C N O Y D T U I T D S E R A C N O N O I D T P E E R C E R F F PE O S E C I V R E S . K N CARD A B C F D H Y B

OBJECTIVES • To know the requirements for Credit card services offered by HDFC Bank. • To know the types of credit cards offered by HDFC Bank • To know the executives involvement in providing credit cards by HDFC Bank. • To know the customer perception on credit cards offered by HDFC Bank.

LIMITATIONS • The biggest constraint to this survey is the time element. Bank Customers are very busy and unable to share their opinions on credit cards thus the survey demands more time but the survey is restricted to less time. • Mainly private sector bank customers are furious on credit card a service that's why they didn't cooperate with adequately.

RESEARCH METHODOLOGY PROCEDURES FOR SURVEYS: Statistical tools Research instrument Contact method Sample unit Sampling area

- Pie charts, bar charts - Questionnaire Personal interview

: HDFC CREDIT CARDS. : Guntur

DATA COLLECTION: Primary data Secondary data

INTRODUCTION  Reserve Bank of India (RBI 1935).  State Bank of India (July 1955).  Nationalization (Indira Gandhi)

   

- 14 Banks in 1969 - 6 Banks in 1980 L P G in 1990 (P.V. Narasimharao). GTB, UTI, ICICI, HDFC. Now 88 SCB’s, 28 PSB’s, 29 Private Banks. 53,000 Branches, 17000 ATM’s. in India.

COMPANY PROFILE • HDFC Bank Inc in 1994. • 738 Branches, 1678 ATM’s, 260 Town & cities. • Jagdish capoor (Chairman), Aditya Puri (M.D). • Business Banking – Working Capital • Personal Banking _ Debit card services _ Credit card services

Satisfaction level on dispatch of transaction statements

No. of the Customers

80

60

Satisfied Unsatisfied

40

20

0 Satisfied

Unsatisfied

Using of tenure

No. of the Customers

Less than 1 year to 3 years 1 years above 3

Type of card 70 60 50 Users Of Card

40

Percentage Of The Users

30 20 10 0 Gold card

Silver Card

Level of satisfaction on credit period No. of theCustomers 80 60

Satisfied

40

Unsatisfied

20 0 Satisfied

Dis satisfied

Level of satisfaction on rate of interest No. of the Customers 100% 80% 60%

Satisfied 40%

Unsatisfied 20% 0% Satisfied

Unsatisfied

Level of satisfaction on customer care services No. of the Customers 80 60

Satisfied

40

Un satisfied 20 0 Satisfied

Dis satisfied

Level of satisfaction on credit card services

FINDINGS

• In the customer point of view the documentation charges are high compare to other banks • The payment mode not flexible to the customers. • The customers are much more troubled on credit cards why so charges on the credit cards as well as way of collecting. • Customers are unknown the transferring

SUGGESTIONS The awareness should create among the people about the credit cards. Offers should be provided to the customers to increase the more use of credit cards. The company has to liberalize the documentation process to attract the more no. of customers

CONCLUSION Here the impact should be positive and negatively. Mainly the impact of the credit cards should be from any loans as well as bank accounts rather than other retail products. There is a negative opinion of rate of interest as well as way of collecting .

G . O A R A S A V I N I SR 8 6 0 U G B 7N