Banking Frontiers | April 25, 2018 He Has Been Drawing Crowds at Deposits of 2 Years

EDITORIAL Now read A STEP TOWARDS THE FUTURE on the go!

Customer experience is a critical factor and will eventually be introduced in other is guaranteed to keep you hooked. Let us Check it out on your for success in today's world of border- branches. At the same event, Mr Chugh know your thoughts about this issue. We Smartphone or Tablet, less business. Our Bank strives to provide also unveiled our Bank's virtual assistant, always appreciate your valuable feedback. simply type in superlative customer experiences by EVA (Electronic Virtual Assistant), which ourworld.hdfcbank.com developing products and services that not has been integrated with Amazon Alexa Happy Reading! only meet, but beat customer expectations. and Google Assistant to give our customers These have been powered by using instant access to information. IRA 2.0 and like comment technology in innovative ways, often EVA are a major step for us towards making delivering solutions that are industry firsts. banking smoother, swifter and experience- rich. In this issue's Cover Story, we showcase our latest offerings designed to offer HDFC This issue also brings to you Sports Bank customers a one-of-a-kind experience. updates, where you will be proud to read On April 26, Mr Nitin Chugh, Country Head about the achievements of our various – Digital Banking, unveiled IRA 2.0, an sports teams. Do not miss Zonal Updates interactive humanoid designed to enhance for the latest news from our offices across user experience for our Bank's customers. India. View the captivating images our IRA can interact with customers using voice colleagues have clicked in Shutterbug. and visuals. The first IRA 2.0 is stationed at the Koramangla branch in Bengaluru, With Quiz, Crossword and DIY, this issue COVER STORY REIMAGINING BANKING Giving our customers a WOW experience using cutting-edge technologies

Our Bank has been leading the charge when it comes to offering customers more convenient banking through its Meet IRA 2.0 digital offerings. By leveraging our digital capabilities, our IRA 2.0 is an interactive humanoid and in its new Bank has delivered innovative products and services that avatar will enhance user experience for customers are industry firsts. visiting the Koramangala branch, Bengaluru. IRA will Last week, our Bank unveiled IRA 2.0, an interactive interact with customers, answer bank-related queries, humanoid, designed to enhance customer service, and frequently asked questions, and guide them inside the the virtual assistant EVA, that has been integrated on branch with voice-based navigation. Amazon Alexa and Google Assistant. IRA, which stands for Intelligent Robotic Assistant was IRA 2.0 was unveiled by Mr. Nitin Chugh, Country Head first launched in January 2017 at the bank’s Kamala - Digital Banking, HDFC Bank and Mr. Arun Mediratta, Mills branch in Mumbai, making HDFC Bank the Branch Banking Head – South, HDFC Bank, at a press first bank in the country to introduce a humanoid for conference organised at the Bank's Koramangala Branch customer service. in Bengaluru. Meet EVA on Alexa

Our Bank's virtual assistant EVA (Electronic Virtual Assistant) has been integrated with Amazon Alexa and Google Assistant to give our customers instant access to information. Google Assistant is available on millions of Android devices as well as on Google Home. This integration makes it easy for millions of Bank customers to have view images access to Bank-related information using the simplicity and convenience of a voice conversation. Customers can voice chat and resolve queries through devices such as watch video Amazon Echo, Android smartphone, and Google Home devices.

Launched in March 2017, EVA is India’s first and largest AI-based banking chatbot having already answered more than 65 lakh user queries with The launch of IRA 2.0 and EVA on Alexa and more than 85 per cent accuracy on the Bank’s website. Google Assistant in Bengaluru is a testament In its new avatar, EVA has evolved to become a virtual of the Bank's endeavor to move from convenience to assistant that can converse with customers using giving an experience to our customers using cutting- voice and help them with their queries. edge technologies,” said Mr. Nitin Chugh, Country Head - Digital Banking, HDFC Bank. “Today, technologies like Artificial Intelligence and Machine Learning are being deployed across all touch points, including branches. We want to adopt the same technologies and platform that our customers are becoming accustomed to in their daily lives. We foresee a future where these technologies will complement the Bank's physical network and help our employees add value to our customers. like comment BANK BULLETIN Our Bank launched its new Regional Office Kumar Wadhwani, an external trainer and ZONAL UPDATES in Jaipur at C Scheme, Ashok Marg. Mr State Facilitator of GeM for the Government Navrattan Kothari, Chairman – KGK Group, of India. The session was kicked off by Mr A glimpse of the activities and events organised by our Bank’s zonal offices across the country inaugurated the new office in the presence Kumar Sanjeev, RH – RBB, and Madhu of Ms Smita Bhagat, Branch Banking Head Gupta, SH – WBO. Mr Prabhat Upadhyaya, EAST seniors from Retail and Operations. – West, and other senior bank officials. Regional Head – Government business, GeM training session held at Mr Arup Das, GeM Business facilitator, participated in this session and ensured Guwahati, Assam conducted the session along with GeM training conducted in Lucknow, the attendance of business and relationship associate Mr Nabajyoti Talukdar. Uttar Pradesh managers engaged in acquisition of government business. NORTH Growing our presence in Rajasthan The session was attended by 33 BMs, RMs, Circle Heads, and senior staff from Retail Branch Banking and WBO.

A GeM training and information session was conducted in Lucknow Our Bank provides insurance cover Bank staff at the GeM training session in Guwahati for Haryana police Aiming to familiarise the Bank’s staff on Our Bank signed an MoU with the Haryana With the aim of familiarising the Bank’s Government eMarketplace (GeM), the Police on April 4, 2018. The Bank will now staff on Government eMarketplace (GeM), national public procurement portal, a provide accidental insurance cover up to the national public procurement portal, a The new Regional Office at Jaipur is launched in the training session was held in Lucknow at Rs 15 lakh for the force’s Special Police training session was held in the city. There presence of Ms Smita Bhagat, Branch Banking Head the Pranay Tower office on April 18, 2018. Officers (SPOs). The Bank will also provide - West were 47 participants in total including The session was addressed by Mr Praveen other banking services to the SPOs. The MoU was signed in the presence of of government primary schools. All the the Indian Army and our Bank for salary Branding has been done at zero rental Director General of Police BS Sandhu verticals participated in the cause. The accounts. The signing ceremony was and shall be placed permanently at the and Additional Director General of Police, Government Primary School Shah Satnam chaired by Director General (MP&PS), Lt course. Human Rights and Litigation OP Singh, Chowk, Sirsa and Government Girls Gen S K Saini, ADG PS Maj Gen, Group and Deputy Inspector General of Police, Primary School Bhima Basti, Fatehabad Head Smita Bhagat and Regional Head WEST 1 Welfare Vilas Dhankar. were identified. Around 200 students Vikas Wahal. NetBanking team jumps for a cause attend each school, who the Headmistress Supporting education in Sirsa and explained were mostly from economically Out of 11 banks that previously had ties Fatehabad, Haryana weak families. with the Indian Army, the contract has been renewed only with our Bank. Our Bank signs MoU with Indian Army Tie-up with AEPTA, Army Golf Course for Captain's Cup The NetBanking team, through 'Jump for Health', The New Delhi team supported The donated two prosthetic legs by doing 23,500 jumps Captain's Cup (the main event in the Calendar of the Army Golf Course) that The NetBanking team marked World Health School bags and stationery were distributed to was held on April 4-7, 2018. The team Day by participating in the Jump for Health underprivileged students by the Sirsa and Fatehabad WBO teams provided Bank and AEPTA branded event. Under the guidance of Mr Gautam T-shirts and caps to all 600+ participants. Anand, Head – NetBanking & DirectPay, the Ms Smita Bhagat, Branch Banking Head - West, at The Sirsa and Fatehabad WBO branches the signing for the MoU for Defence salary package Branding was also done across the golf team did 23,500 jumps. The count meant started the new fiscal year on a generous course with a view to promote our Brand that two prosthetic legs would be donated, note with the distribution of school bags On April 3, 2018, a Memorandum of visibility and communicate relevant sponsored by Aditya Birla Capital who and stationery to underprivileged children Undertaking (MoU) was signed between products to visitors. organised the event. SOUTH 1 moment’ for each participant was captured Secure Banking programmes and blood A WhatsApp group was created Tamil Nadu team marks Women’s and an instant photograph was shared in a donation drives were also among the 193 and approvals were sought from the Day Bank-branded photo frame. activities conducted across the state. concerned police and corporation The Tamil Nadu team celebrated authorities to clean Elliot’s Beach, at International’s Women’s Day with a Tamil Nadu team boosts salary Chennai team cleans up Elliot’s Besant Nagar. motivational activity. The ladies first account business Beach A salary account drive has been initiated On December 5, 2017, about 56 staff in line with Zonal Head R Suresh’s advice, assembled at 7 am and then split into and all branches actively participated in groups with a team leader each. The participants were dressed in SAY T-shirts and caps, and provided gloves and a bag to carry the trash.

In one hour, the team collected as many as Team Tamil Nadu celebrated Women's Day by 33 bags of garbage. organising a motivational session Team Chennai got together to clean Elliot's Beach A salary account drive was flagged off in Tamil Nadu as part of the Swachhata And You campaign Banjara Hills team interacts RBI attended a motivational talk and then were Continuing our Swachhata and You (SAY) Banking Ombudsman in Hyderabad asked to walk on 6-foot long broken glass the induction and training programmes. As initiative, the RAC (Retail Asset), Chennai On April 11, 2018, Ms Reeny Ajith, Banking path. part of the activities, branch teams visited unit kickstarted a clean-up drive in the Ombudsman, RBI, Hyderabad visited Bank The activity conducted by a certified police stations and offices of the police city. The team was briefed about the House and interacted with the Bank’s trainer aimed to break the fear and build department, and temporary stalls arranged importance of cleanliness and volunteered officials. During her visit, she mentioned confidence in women's minds. The ‘wow for salary account opening. to be part of the SAY campaign. that she has been a customer since 1995, Bhubaneswar The Subarnapur Mahotsav is organised by Branches in Bhubaneswar connected with Sonepur District Administration every year, potential women customers. The teams witnessing a crowd of over 2 lakh people. also identified women customers who have Our Sonepur branch participated in the exceled in various fields such as corporate, Mahotsav and showcased our brand for Ms Reeny Ajith, RBI Banking Ombudsman, visited bureaucracy, NGOs and institutional heads visitors and the district administration. Bank House Hyderabad and addressed the team The Anandpur branch participated in the Anandpur and felicitated them for their contribution Mahotsav, which helped with brand visibility when she started her savings account in towards society. Our Bank supports AMRI Hospital Mumbai. witnesses a crowd of about 1 lakh every annual sports meet, Bhubaneswar year. This year, the Bank had good visibility She then informed the team that the and interaction with visitors. increased volume of complaints in recent times is a cause for concern. She shared Engaging with visitors at that the Bank has received 374 complaints Subarnapur Mahotsav, Odisha between July 2017 to March 2018, which Branches in Bhubhaneshwar felicitated women achievers to mark Women's Day The Patrapara branch engaged with doctors and is approximately five per cent of the medical staff at AMRI Hospital's sports meet total complaints received at BO, RBI, Hyderabad. She also discussed the current Engaging with visitors at Anandapur Our Patrapara branch participated in the cash shortage situation across AP and Mahotsav, Odisha annual sports meet of AMRI Hospital in Telangana, and appreciated the Bank for its Our Anandpur branch participated in the Bhubaneshwar. The team made a dugout customer service. Anandpur Mahotsav, a cultural event that for the players and arranged for water and takes place in April every year. Organised The Sonepur branch participated in the Subarnapur snacks. The dugout had Personal Loan Mahotsav, which attracts over 2 lakh people Women’s Day celebrated across by the Sub Collector, the Mahotsav utility-based branding. The event was a good opportunity to engage with doctors Madikeri bus stand, Karnataka the School Day function organised by and other medical staff. The Madikeri branch installed branded the Rotary Club in February. The Bank Swachh Bharat boards at the bus stand. also felicitated the winners of various Showcasing Agri offerings at Krushi The initiative served to spread the message competitions. The activity helped the team Odisha of proper waste management as well as gain cross-sell opportunities with attending Our Bank inaugurated the 91st offsite ATM at INS Chilika campus created visibility for the Bank. This was parents and visitors. done in association with the Madikeri The ATM was inaugurated by Commanding Muncipal Corporation. The team was Building healthy relationships in Officer – Commodore Manish Mishra and also awarded the Madikeri Muncipal Tirthahalli, Karnataka Zonal Head Mr Debashis Senapati. Top officials of INS Chilika – Captain Sandeep The Patia branch showcased our Bank's Agri sector products at Krushi Odisha Biswal and Commander Trilochan Rout along with Mr Animesh Biswal, CH with Balugaon Our Patia branch participated in the branch team – were also present. INS Chilika annual event for agriculture – Krushi officials shared a vote of thanks for the Customers of the Tirthahalli branch were given a free Odisha – which was inaugurated by the service our Bank has provided, being the health checkup as part of anniversary celebrations Chief Minister. The team showcased primary banker of the training department of Madikeri bus stand in Karnataka branded with our Bank's logo and social messages our Bank’s lending products in the Agri the esteemed Navy Training Institute. As part of the Tirthahalli branch’s sector. The new ATM takes the total count in Corporation Tax Collection account. anniversary celebration, a free health check Odisha to 221 ATMs. camp was organised for customers on ATM launched at INS Chilika, Odisha Engaging with the community in February 26, 2018. Our Bank inaugurated our 91th offsite ATM SOUTH 2 Hunsur, Karnataka like comment at the INS Chilika campus on April 3, 2018. Spreading social messages at The Hunsur branch team supported SHUTTERBUG CAPTIVATING CLICKS Some breathtaking shots of nature, weather, wildlife and amazing like comment locations that caught the fancy of our colleagues Loved it? Hated it? Take a minute to share your feedback with us so we can improve your experience of OUR WORLD CLICK HERE

view images Have news you’d like to share with colleagues? Whether its about your branch, office, team or a personal SHARE AND WIN! achievement write in to us at [email protected] or [email protected] Think you have a gift? [email protected] And, in a new twist, Show us! If you have or we will award the top photo your own ORIGINAL pic, on NetMeeting with contributor an exciting prize... share it with us... IP address: 10.2.233.78. so start clicking. CSR CREATING SUSTAINABLE COMMUNITIES Earth Day is celebrated annually on April 22, where people come together to show their support for environmental conservation. HDFC Bank’s Parivartan initiatives are also committed towards conserving the ecology through soil and water conservation, water budgeting, promotion of smart and sustainable agriculture practices, promotion of renewable CELEBRATING energy, climate action, and technology enhancement. Parivartan, along with partner organisations like BAIF, Action for Food Production, Yuva Rural Association, Gramin Vikas EARTH Trust, and Anarde Foundation undertook various activities to mark Earth Day in project areas, where more than 16,000 DAY people participated.

Click here to read on CREATING SUSTAINABLE COMMUNITIES

Plastic waste collection drive to commemorate Earth Day held at Chennai, Learn more about Gurgaon and Mumbai offices our Bank's CSR A plastic waste collection drive was held at Chennai Vision and Mission Prince Kushal Towers, Gurgaon Bank House and Click here in four hub locations – Kamala Mills, Kanjurmarg, Peninsula and Zenith House – in Mumbai between April 20 to 23, 2018. Employees were encouraged to bring in any type of plastic waste that they wished to dispose. The plastic collected was then sent to a Sustainable Solutions recycling centre. The drive was organised after the imposed ban on plastics to offer employees safe disposal of their Ms Nusrat Pathan, Head – Corporate Social The plastic waste collection drive, organised with Sustainable Responsibility, on Twitter: @NusratHDFCBank plastics, which in turn helps in conservation of our Solutions recycling centre, allowed employees to dispose plastic (https://twitter.com/NusratHDFCBank) eco-system. waste in a responsible way like comment BREAK TIME Crossword GET RECHARGED Test your knowledge about your Bank in a fun way. Hard at work? Here’s a well-deserved break. Tease your brain cells, laugh a little, learn CLICK HERE TO PLAY NOW some valuable tips… and feel free to send us your contributions! Spot 5 differences CALL FOR CONTRIBUTIONS We would love to feature your contributions in Our World and invite one and all to share. Send in your to the following sections:

HUMOUR AT WORK FAMILY CORNER We often encounter random jokes and Won an award, aced an exam? funny little moments at the workplace that We would love to hear about your can bring a smile to our faces. Whether and your family’s significant it’s dealing with customers, colleagues or achievements. Share the bosses, share your lighter moments. highlights with your colleagues.

SOLUTION AMATEUR ARTISTS INSPIRATION AT WORK Quiz Fact of the Matter Got a passion for art? The influence of inspiration can never Here’s something to work your brain. Write beautiful poems or stories? be erased. Share your story about Participate and stand the chance to win Share your creations with a colleague/mentor who’s helped us right now, and get featured! inspire and guide you at work. exciting prizes. Trees are the longest living Trees lower air temperature TAKE THE QUIZ organisms on Earth, and by evaporating water in never die of old age. their leaves. Mail your contributions to: [email protected] BANK BULLETIN ISG ALL ABOUT CREDENTIAL STUFFING NEWS AT A GLANCE Find out what credential stuffing is and how to protect yourself

Bank Bulletin canvasses a wide range of news related What is Credential Stuffing? Credential Stuffing is an emerging cyber threat which exploits to our Bank’s events, launches and more the human tendency of using the same password for multiple online accounts. Generally, username is kept common like an email id. This, coupled with our tendency of using the Financial results (Indian GAAP) for the quarter same password leaves us with many online accounts with same credentials. Now, all a and year ended March 31, 2018 hacker needs to do is breach just one account and the extracted credentials are tried upon The Board of Directors of HDFC Bank Limited approved the Bank’s other accounts till a match is found. Except for the most vigilant and careful users, many (Indian GAAP) results for the quarter and full year ended March 31, 2018, at their meeting held in Mumbai on Saturday, April 21, 2018... become a victim of stuffing of credentials. It is estimated that over the past three years, $2.3 billion has been lost to account takeovers. read more How to prevent Credential Stuffing Keep separate passwords for your personal and official HDFC Bank opens 100th branch in Bihar at Patna accounts. With the launch of a new branch at Patna in Bihar, HDFC Bank Keep different, strong and unique password for all your reached an important milestone of 100 branches in the state. The new branch is located on Fraser Road in Patna.... banking accounts. Ensure that no two accounts have the same pair of user ID read more and password. Never use official email ID to register on social media sites, or other online accounts. like comment Enable two-factor authentication wherever possible. like comment AWARDS fronts paved the way to our winning the A WINNING WAY award. Recognition and rewards for the effort and successes of our people and our Bank. A look The Idex Legal platform was created in at the laurels that have come our way 2011 by "The Ideas Exchange" to identify, Our Bank wins Best Private Sector have been ranked based on two financial acknowledge and celebrate excellence Bank by FE for 5th straight year parameters – profitability and credit quality. amongst in-house counsel and law firms The Financial Express, a leading business in the industry. The IDEX Legal Awards daily, has adjudged HDFC Bank as the HDFC Bank wins the prestigious Idex were instituted in the year 2012. The award Best Bank in the ‘New Private Sector Bank’ Legal Award 2018 category of Legal Department of the Year – category in its annual India's Best Banks Our Retail Portfolio Management – Legal Large was introduced this year, thus making Survey 2016-17. Our Bank has received this Team has received the prestigious IDEX us the first recipient in this category. award for the fifth consecutive year. Legal Award 2018 in the category ‘Legal Department of the year (Large)’ at an event The winners have been evaluated by a The winners were chosen by the jury chaired organised by IDEX Legal in Mumbai on April sixteen-member jury, comprising of legal by Mr S Ramadorai, former chairman, Tata 13, 2018. Our candidature for the award luminaries from various disciplines across Consultancy Services. He was assisted by was evaluated against norms established the industry such as Mr Pramod Rao, jury members Mr R Shankar Raman, CFO, to cover innovation in legal approach, General Counsel, Citibank India; Mr Mysore

Larsen & Toubro; Mr Leo Puri, managing segmentation strategies employed in legal Prasanna, Former General Counsel, Aditya Mr Sarath Mohan, Vice President, Retail Portfolio director, UTI Asset Management; Mr recourse communication, extensive use Birla Group; Ms Valerie Bowles, Valerie Management – Legal, accepted IDEX Legal award on behalf of the Bank Biswamohan Mahapatra, former executive of analytics and research tools, structure Bowles Consulting; Mr Baron Armah director, Reserve Bank of India; and Mr performance evaluation and uniqueness in Kwatreng, BaKLex Consulting; Mr Jonathan like comment Sharad Sharma, founder, Ispirit. The banks legal strategy, and our successes in these Middleburgh, Middleburgh Associates. SET YOUR ALARM 15 MINUTES EARLIER THAN YOUR WAKE-UP TIME No one wakes up the first time the alarm goes off! We snooze it, laze in bed, and then snooze it again before finally getting up. If you need the 15 minutes of snoozing to be completely awake, set your alarm 15 minutes earlier to give yourself that time cushion.

DO IT YOURSELF PLAN YOUR DAY IN ADVANCE Planning your day in your head helps you be ready with a plan of action to be on time. If you have a meeting, make EFFECTIVE a mental note of what documents you need to carry, the time it will take to commute, and how will you reach there. TIPS ON This will help you be quicker and better organised.

HOW TO BE SET AN END TIME FOR EVERY TASK PUNCTUAL There are many things you need to get in a day, and you probably have a to-do list. Problems arise when one task eats up a lot of time, delaying the rest and resulting in you being behind schedule. When drafting your to-do list, set an end time to each task, with a buffer of say 15-20 minutes (depending on the task) and stick to it ruthlessly.

ALWAYS LEAVE ON TIME One major reason you arrive late is because you start late. If you know it’s going to be a difficult commute, and you will take how much ever time it takes to reach a place, then why not leave on time, if not five minutes early!

Are you the person in your group who is known for always showing up late? If you BEING ON TIME IS BASIC MANNERS want to change your image of being the late comer to every meeting, appointment, A lot of people think that important people never arrive on time. Change that perception. or a party, here are tips that will help you do a complete 360° and make you one of Being on time shows that you respect your own and other people’s time, which is the most punctual people! definitely basic good manners. SPORTS Commendable performance by the Mumbai team wins Woods Sports Chennai football team tourney! SPORTING EXCELLENCE HDFC Bank’s Chennai football team were A round-up of the latest sports successes and a handful of outstanding achievements of adjudged the Runners up of the Corporate our Bank’s corporate sports teams 5s tournament held on March 18. This is the Chennai cricket team lifts the SMCA competition with top corporate teams like fourth trophy for the team, which has been Corporate Champions Trophy Kotak Mahindra Bank, Beroe, Zoho Corp., the champion in all the four tournaments Mahindra & Mahindra, CGI and SQS battling they have played. Our team’s Devendran for the title. The Chennai football team D was declared the best goalkeeper of the claimed the victory cup by beating Kotak tournament. Mahindra Bank in the final match held on March 29, 2018 at Tagore Medical College Ground, Chennai.

Kaushik M from our team was adjudged The Mumbai cricket team won the Woods sports tournament, their third win of the year! ‘Player of the Tournament’ and ‘Man of Finals’ for his overall performance of Continuing the winning streak, our Mumbai 296 runs (including a century) and 10 Cricket team lifted the Woods Sports A jubiliant Chennai team after winning the SMCA Corporate Champions Trophy wickets in the tournament. Team captain, Tournament, the team’s third trophy of the Gopalakrishnan was the Best Bowler of the year! Our team beat Route SMS by five The SMCA Corporate Champions Trophy tournament with 17 wickets to his credit. wickets in the low scoring match where is Conducted on a league-cum-knock-out Gopinath D was adjudged Man of the match The Chennai football team wins the Runner-up Prasanna Shetty was named Man of the basis This year, the tournament saw tough in the qualifiers. trophy at the Corporate 5s tournament Match after picking up three wickets. Pune team wins the Kondre Mumbai football team wins the 6th HUMOUR Karandak Corporate T20 League FUNNY MEMES Tournament In the final 6th League football match, our like comment Mumbai Football team defeated SBI’s team May your day shine as bright as the summer sun! with an impressive score of 5-0. The team lifted the champion’s trophy at the Cooperage Ground, venue for the I-League. Kudos to the team, you make us proud.

A happy Pune cricket team after winning the Kondre Karandak Corporate T20

Our Pune cricket team were the winners With a score of 5-0 in the final match, our Mumbai football team won the 6th League of the Kondre Karandak Corporate T20 Tournament beating the Ladish Valves’ like comment corporate team. NEWS HDFC Bank launches IRA 2.0, the advance version of its interactive humanoid WRAP UP HDFC Bank launched IRA 2.0, its interactive humanoid at the Koramangala Branch... Featuring a wide range of news stories on the banking and financial sector, exclusively compiled by our Bank’s Learning and Development (L&D) division

Exporters should ride Re fall 27th GST Council Meet: Simplified CLICK HERE TO READ MORE STORIES Read more... The month of April has thrown a lot of system to top agenda on May 4 established beliefs into the dustbin as it As it meets on May 4 via video like comment ETCIO.com | April 27, 2018 has brought back the fear... conferencing, the Goods and Services Tax Council will... Best ways to use your Maintain 'buy' on Chola We want to migrate 95% of our bonus with target price of Rs customers to digital channels Read more... Read more... Don't let the sudden 1,767 — Nandkishore Purohit surge of liquidity make CIFC ended FY18 on a For expansion, we will work with Daily News Analysis | April 30, 2018 The Financial Express | April 30, 2018 you lose sight of long- high, with a strong beat. fintech players and plug in their term financial needs... The 18% sequential... services and offerings... Aamir Khan in lead role as water HDFC Bank FD rates crusader: Generates awareness Private sector HDFC Bank has hiked term Read more... Read more... Read more... on water conservation in deposits rates by up to 1% on select drought-prone Maharashtra brackets. With the rate increase, the term The Times of India | April 27, 2018 The Financial Express | April 25, 2018 Banking Frontiers | April 25, 2018 He has been drawing crowds at deposits of 2 years... cinemas across the globe, but soon actor Aamir Khan will be drawing Sorry, but mimicking China won't help India create the jobs it desperately needs some crowds at a village... The World Bank asked an important question in a report released last fortnight Jobless Growth? South Asia Economic...