Sr.

Contents Page No
No
1 Chapter 1. Introduction of Banking Industry

2 Chapter 2. Introduction to Retail Banking

2.1 Introduction
2.2 Origin
3 Chapter 3. Retail Banking Global Scenario

4 Chapter 4. Retail Banking - Indian Scenario

5 Chapter 5. SWOT Analysis

6 Chapter 6. Conclusion

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RETAIL BANKING PRODUCTS AND SERVICES
ACCOUNTS AND DEPOSITES
1.Savings account
1.1Regular Saving Account
Features & Benefits:

Wide network of branches and ATMs to meet all your banking needs, no
matter where you are located
Take advantage of exclusive discounts & offers
Personalised cheques with your name printed on each cheque leaf for
enhanced security.
Take advantage of BillPay an instant solution so you can pay all your
frequent utility bill payments. Instruct for payments over the phone or
through the Internet.
Avail facilities like Safe Deposit Lockers and Super Saver facilities on your
account.
Free passbook facility for all account holders (individuals)
Free Email Statement facility.
Use NetBanking, BillPay, PhoneBanking and MobileBankingfor all your
banking needs
Annual Maintenance Charge (AMC) waived off for the first year for the first
new Demat account
Avail of facilities like Safe Deposit Lockers and Super Saver facilities on
your Regular Savings Account

1.2Women's Savings Account

Features & Benefits:

MoneyMaximiser: Earn higher interest on money lying idle with our automatic
sweep out facility. Available on request.
Payable at par cheque book - free 25 leaves multi-city cheque book half yearly
Free lifetime BillPay for all account holders
Free folio maintenance charges on Demat account for the first year
Free passbook facility for all account holders (individuals)
Free email statements

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 Bank conveniently with facilities
like NetBanking, Phonebanking and MobileBanking check your account
balance, pay utility bills or stop cheque payments all via SMS.
Enjoy a host of features on your EasyShop Womans Advantage Debit Card:

1.3.Kids Advantage Account

Features & Benefits:

Free cash withdrawals on any other Bank's ATM

Free e-mail statements / passbook facility for all account holders
(individuals)
Free NetBanking for you to monitor your child's account.
Bank conveniently with facilities
like NetBanking, Phonebanking and MobileBanking check your
account balance, pay utility bills or stop cheque payments all via SMS.
1.4.Senior Citizens Account
Features & Benefits:

Accidental Hospitalisation Cover of Rs 50,000* per annum

Preferential rates on Fixed Deposits
Free passbook facility for all account holders (individuals)
Free PhoneBanking, NetBanking and InstaAlert
Free e-statment facility
Free passbook facility for all account holders (individuals)
Use PhoneBanking, MobileBanking, NetBanking and BillPay facility
absolutely free for all your banking needs.
Avail free SMS alerts to know the transactions in your account.Get
free Email statements.
National Electronic Funds Transfer (NEFT) facility is available.
Bank conveniently with facilities
like NetBanking, PhoneBanking and MobileBanking check your
account balance, pay utility bills or stop cheque payments all via SMS.
1.5.Family Savings Group Account
Features & Benefits:
Free cash withdrawal transactions on any bank ATMs
Free Bill payment
Savings account to savings account sweep-in to a nominated account* (sweep-
in from NRO ac not allowed)
PAP chequebook Free of issuance charge

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 Free e-mail statements / passbook facility for all account holders (individuals)
Bank conveniently with facilities
like NetBanking, PhoneBanking and MobileBanking
1.6.Savings Farmers Account
Features & Benefits:
Special customized product for Farmers.
Wide network of branches and ATMs to meet all your banking needs, no
matter where you are located
Use NetBanking, BillPay, PhoneBanking and MobileBankingfor all your
banking needs
Annual Maintenance Charge (AMC) waived off for the first year for the first
new Demat account
Avail of facilities like Safe Deposit Lockers and Super Saver facilities
1.7.Government/Institutional Savings Account
Features & Benefits:
Zero balance account
Free & unlimited Demand Drafts at HDFC Bank locations
Payable at Par cheque book with no usage charge
Free Outstation Cheque Collection

2.Salary accounts products

Premium Salary Account
Regular Salary Account
Defence Salary Account
Salary Family Account
Classic Salary Account
Reimbursement Account

3.currents accounts projects

ULTIMA Current Account
The ideal current account option for businesses needing features beyond even the most expansive
product currently being offered.

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 Perfectly positioned for catering to Manufacturers/Large Distributors/Stockists/Multi-Specialty Hospitals
and Dealers. In addition, this current account option is the ideal one for Business Banking / Inventory
Funding Customers.
Benefits include unlimited free local & anywhere cheque collections as well as payments facility

Supreme Current Account

Large traders operating across the country often grapple with high transaction costs. This current account
can help reduce that, and also offer free access to one of the most advanced and secure form of Net
Banking and Mobile Banking services.
Convenient cash withdrawals and deposits
Free RTGS (Real Time Gross Settlement) and NEFT (National Electronic Fund Transfer) collections.

Agri Current Account

Understanding the seasonal nature of business of agriculture-related industries, this current account
offers a number of features that help ensure maximum returns.
Benefits include free local and anywhere Cheque payment and collection options at all bank locations.
Trade Current Account
Even the shrewdest trader will often grapple with high transaction costs. With our trade current account,
users will not only enjoy a reduced transaction cost, but also benefit from one of the most advanced and
secure forms of Net Banking and Mobile Banking services.
Additional benefits include free Account to Account Fund transfer between Bank Accounts.
Free RTGS and NEFT Collections
Current Account for Professionals
Professionals from across industries often need quick access to funds in their line of work. Offering the
maximum value to be found, this current account is ideally placed for Doctors, Architects, Chartered
Accountants,Cost Accountants and Company Secretaries, among others.
Benefit from free, local and anywhere Cheque payment and collection at bank location
Premium Current Account
As a day-to-day current account, this financial product offers both cost efficiency as well as free access to
one of the most advanced and secure forms of Net Banking and Mobile Banking services.
Benefit from free, local and anywhere cheque collection/payment and Fund Transfers.
Enjoy free collection services through RTGS and NEFT.
Regular Current Account
Ideal low cost account for businesses that operate in one city. With free access to one of the most
advanced and secure Net Banking and Mobile Banking services.
Government/Institutional Current Account
A current account especially designed for Trusts, Associations, Societies, Clubs, Non Profit Organisations
and Government Departments.
Free Account to account fund transfer, local and anywhere cheque payments and collections at Bank
location.

4.Deposites
REGULAR FIXED DEPOSITE
Easy investment with High Returns
Great rates, flexibility and security - in one offering
Higher rate of interest on Fixed Deposit for Senior Citizen

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 Convenience of booking deposit through NetBanking
Recurring Deposit