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Study on Auto Car Loan at HDFC Bank

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Study on Auto Car Loan at HDFC Bank A project Report on "STUDY OF AUTO CAR LOAN AT HDFC BANK” submitted for the Partial fulfilment of 2 year MBA Programme DBIM [MBA( PART-I) – Regular] – Semester – I & II in the subject of TWO MONTHS SUMMER TRAINING Submitted to DR. MANISH SIDDHPURIA Submitted by NITYA CHOWDHARY (13) DEPARTMENT OF BUSINESS AND INDUSTRIAL MANAGEMENT, VEER NARMAD SOUTH GUJARAT UNIVERSITY – SURAT. Batch 2010-2012 DEPARTMENT OF BUSINESS AND INDUSTRIAL MANAGEMENT Page 1 DECLARATION I undersigned Miss Nitya Chowdhary declares that this project report entitled “Study of Auto Car Loans at HDFC bank, Baroda.” is a result of my own work carried out during 16th May to 15th July 2011 and has not been previously submitted to any other university or institution for any other examination for any other purpose by any other person. I will not use this project in future as submission of any other university, institution or any other publisher without written permission of my guide. The content that I have provided is true to the best of my knowledge. Signature Nitya chowdhary DEPARTMENT OF BUSINESS AND INDUSTRIAL MANAGEMENT Page 2 CERTIFICATE This is to certify that Miss Nitya Chowdhary has carried out her summer project titled “STUDY OF AUTO CAR LOAN AT HDFC BANK” at BARODA. During 16th May to 15th July and has submitted for the evaluation. To the best of my knowledge, the report has not been submitted to any university/ institution for the award of any certificate or diploma degree. SIGNATURE DEPARTMENT OF BUSINESS AND INDUSTRIAL MANAGEMENT Page 3 EXECUTIVE SUMMARY Loans have to be paid back one day. Had this been realized by all, how nice life would have been on this Planet. It would not have prompted the poet to say “Neither be a Lender, nor a Borrower Be.” Alas! Given the realities in life, this could remain at best a wishful thinking. So their business is to lend and lend more. Their proficiency; skill; competency are all tested in how much they lend and how much they RECOVER and how quickly. Suffice it would be to state that this can be likened to the vigour and strength with which one goes about after fully recovering from any ailment. It is agreed by all beyond doubt “Recovery” is essential and get “recovery” is very essential. We know right from the appraisal stage up to the actual repayment stage the banks need to be careful. We also know that once the money is in the hands of a borrower, attitudinal changes take place. The borrower, with some few exceptions may be, feels a bit more complacent as after all it is not this “own money” which is at stake. Therefore an attempt is made here to put all that we know already proper perspective. DEPARTMENT OF BUSINESS AND INDUSTRIAL MANAGEMENT Page 4 ACKNOWLEDGEMENT This project is written in accordance with the Management in Business Administration course prescribed by Department of Business and Industrial Management for two months summer internship. I studied one of the main department of the HDFC bank i.e. auto car loan and its related departments. I would like to acknowledge my gratitude and Thanks to the head of the department, Dr. Renuka Garg and my project guide Dr. Manish siddhpuria, who helped me in my project. I am thankful for their constant guidance, support and inspiration. And I express my deep gratitude to Mrs. Ritu Bhatia (Regional Sales Manager) and Mr. Kalpesh dave (Sales Manager) and Mrs. Meghna pandya (Senior Co-ordinator) and other staff members of auto car loan for guiding me and giving me immense knowledge about the working of their respective departments. I have tried my best to prepare this report as per the requirement of MBA programme. Still, it is quite possible that there may be some errors of omission in this attempt. I sincerely welcome any suggestions for the improvement of the contest of this project. My overriding debt continues to my lovely parents and friends who provided with time, support and inspiration to prepare my project. Nitya chowdhary DEPARTMENT OF BUSINESS AND INDUSTRIAL MANAGEMENT Page 5 TABLE OF CONTENT SR. NO. CHAPTERS PAGE NO. Title Page Declaration Certificate Executive Summary Acknowledgement Table of Content 1 Introduction to Banking 1.1 Meaning and Definition of Banking 1.2 Origin of word Banking 1.3 Origin of Banking 1.4 Introduction to Reserve Bank of India 1.5 Banking System in India 1.6 Status of Indian Banking Industry 1.7 Banking Structure in India 1.8 Banks in India 2 Company Profile 2.1 About HDFC bank 2.2 Product Scope 2.3 Awards and Achievements 2.4 Segment of HDFC Bank 2.5 Branch Network 2.6 Mission and Business Strategy 2.7 Relationship with Customers 2.8 SWOT Analysis 3 Auto Industry in India 3.1 History DEPARTMENT OF BUSINESS AND INDUSTRIAL MANAGEMENT Page 6 3.2 Overview 3.3 Growth potential of Indian Auto Industry 3.4 Michael Porter Five Forces Analysis 3.5 Major Manufacturers in India Auto Market 3.6 HDFC bank Flow Chart 3.7 Meaning of Loan and its Procedure 3.8 Auto Car Policy 3.9 Rate Chart 4 Activities Carried out at HDFC Bank 5 Research Methodology 5.1 Problem Statement 5.2 Research Objectives 5.3 Research Design 5.4 Data Collection 5.5 Limitations of Research 6 Analysis of the Data Conclusions and Suggestions Bibliography DEPARTMENT OF BUSINESS AND INDUSTRIAL MANAGEMENT Page 7 CHAPTER-1 INTRODUCTION OF BANKING 1.1 MEANING AND DEFINITION: DEPARTMENT OF BUSINESS AND INDUSTRIAL MANAGEMENT Page 8 Bank is an institution that deals in money and its substitutes and provides crucial financial services. The principal type of baking in the modern industrial world is commercial banking & central banking. Banking means: - Accepting deposits for the purpose of lending or investment of deposits of money from the public repayable on demand otherwise and withdraw by cheque, draft or otherwise." -Banking Companies (Regulation) Act, 1949 The concise oxford dictionary has defined a bank as "Establishment for custody of money which it pays out on customers order." In fact this is the function which the bank performed when banking originated."Banking in the most general sense, is meant the business of receving, conserving & utilizing the funds of community or of any special section of it." -By H.Wills & J. Bogan "A banker of bank is a person, a firm, or a company having a place of business where credits are opened by deposits or collection of money or currency or where money is advanced and waned. -By Findlay Sheras Thus A Bank: 1) Accept deposits of money from public, 2) Pays interest on money deposited with it. 3) Lends or invests money 4) Repays the amount on demand, 1.2 ORIGIN OF WORD BANK: DEPARTMENT OF BUSINESS AND INDUSTRIAL MANAGEMENT Page 9 The origin of the word bank is shrouded in mystery. According to one view point the Italian business house carrying on crude from of banking were called banchi bancheri" According to another viewpoint banking is derived from German word "Branch" which mean heap or mount. In England, the issue of paper money by the government was referred to as a raising a bank. 1.3 ORIGIN OF BANKING: Its origin is in the simplest form and can be traced to the origin of authentic history. After recognizing the benefit of money as a medium of exchange the importance of banking was developed as it provides the safer place to store the money. This safe place ultimately evolved into financial institutions that accepts deposits and make loans i.e. modern commercial banks. Without a sound and effective banking system in India it cannot have a healthy economy. The banking system of India should not only be hassle free but it should be able to meet new challenges posed by the technology and any other external and internal factors. For the past three decades India's banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India's growth process. The government's regular policy for Indian bank since 1969 has paid rich dividends with the nationalisation of 14 major private banks of India. Not long ago, an account holder had to wait for hours at the bank counters for getting a draft or for withdrawing his own money. Today, he has a choice. Gone are days when the most efficient bank transferred money from one branch to other in two days. Now it is simple as instant messaging or dials a pizza. Money have become the order of the day. 1.4 INTRODUCTION OF RESERVE BANK OF INDIA:- DEPARTMENT OF BUSINESS AND INDUSTRIAL MANAGEMENT Page 10 A central bank, reserve bank or monetary authority is the entity responsible for the monetary policy of a country or a group of member of state. Its prime responsibility is to maintain the stability of national currency and money supply, but more active duties includes controlling subsidize-loan, interest rates and acting as a lender or last resort to the banking sector during financial crises. It could also have supervisory powers, to ensure that banks and other financial institutions do not behave recklessly or fraudulently. The RBI handles the cash reserves of other banks in the country. It acts as a "Bank of Banks". It makes the transactions or transfers of money and payments occurring between the banks much easier.
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