HDFC Bank. www.unitedworld.edu.in

Details about HDFC Bank

1. Presentation on Prepared By : Jinia Biswas Prachi Khemani Shruti Jain Vibhav Kaushal

2. PERSONAL BANKING SME BANKING NRI BANKING WHOLESALE BANKING SECTOR

3. Different Products Accounts  & Deposits Credit cards C onsumer banking Corporate banking Finance and Insurance Investment Banking Mortgage Loans Private Banking DIFFERENT PRODUCTS

4. Savings Account Wide network of branches and over 7300 ATMs to meet all your banking needs, no matter where you are located. Never overspend – shop using your International Debit Card that reflects the actual balance in your savings account. Free Personalised cheques (payable at par) with your name printed on each cheque leaf for enhanced security, , without any usage charges. Bank conveniently with facilities like like   NetBanking ,  Phonebanking  and  MobileBanking  – check your account balance, pay utility bills or stop cheque payments all via SMS. 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. Free cash withdrawals at any other Bank's ATMs *. Free passbook facility available at home branch for account holders (individuals). Free Email Statement facility. Safe Deposit Locker (optional) SAVINGS ACCOUNT

5. Savings Account Regular Savings Account Savings Max Account Senior Citizens Account Basic Savings Bank Deposit Account Basic Savings Bank Deposit Account - Limited KYC Institutional Savings Account Kids Advantage Account Pension Savings Account Savings Plus Account Family Savings Group Account Womens Savings Account NRE Savings Account SAVINGS ACCOUNT

6. SAVINGS ACCOUNT Non-Resident External Savings A/c Purpose : Meant for foreign exchange outside India and transferred to India. Currency : Indian Rupees Min A/c opening amount : INR 10000(Urban), INR 5000(Semi-Urban) Interest Rate : 4% Repatriation : The principal interest earned are fully repatriable . Non-Resident Ordinary Savings A/c Purpose : Meant to keep the money you earn or acquire in India before and after becoming an NRI. Currency : Indian Rupees Min A/c opening amount : INR 10000(Urban), INR 5000(Semi-Urban) Interest Rate : 4% Repatriation : RBI allows repatriation only up to one million USD per financial year for bonafide purposes (e.g. education, medical expenses etc)

7. Taxation : Interest earned is exempt from tax Joint account : This account can be held jointly with other non-resident Indian(s). Mandate holders : An Indian resident can be authorized to operate the account and provided with an ATM card for the account Taxation : Interest earned is taxable under Income Tax Act. Joint account : This account can be held jointly with resident or non-resident Indian(s). Mandate holders : An Indian resident can be authorized to operate the account and provided with an ATM card for the account

8. Current Account Features and Benefits Free local collections through cheque and Fund transfer Free Local and anywhere cheque payment facility Convenient Inter-city Banking. Free collections through  RTGS and  NEFT You are eligible to operate a Regular Current account if you fall under any of the following categories : Resident Individual Hindu Undivided Family Sole Proprietorship Firms Partnership Firms Private and Public Limited Companies CURRENT ACCOUNT

9. Current Account Premium Current Account Regular Current Account RFC - Domestic Account Flexi Current Account Apex Current Account Max Current Account Merchant Advantage Current Account Merchant Advantage Plus Current Account Plus Current Account Trade Current Account Current Account for Professionals Current Account for Hospitals and Nursing Homes Agri Current Account EZEE Current Account Supreme Current Account ULTIMA Current Account Institutional Current Account CURRENT ACCOUNT

10. Current Account NRE Current Account Purpose : Ideal for foreign nationals who have ESOPs issued by Indian companies. Minimum account opening = Rs. 25,000 Average Monthly Balance = Rs. 25000 Holding : Cannot be opened jointly with an Non-Resident Indian(s). Mandate holder : An Indian resident can be authorised to operate the account and provided with an ATM card for the account NRO Current Account Purpose : Ideal for foreign corporate bodies and foreign nationals on visitor’s visa to India Minimum account opening = Rs. 25,000 Average Monthly Balance = Rs. 25000 Holding : Can be opened jointly with an Resident or Non-Resident Indian(s ). Mandate holder : An Indian resident can be authorised to operate the account and provided with an ATM card for the account

11. Repatriation : Principal and interest are fully repatriable International Debit Card : Get an International Debit Card Repatriation : You can repatriate up to USD 1 million, for bonafide purposes, subject to payment of applicable taxes International Debit Card : You don’t get a International Debit Card but you do get an ATM Card

12. Deposits Regular Fixed Deposit 5 Year Tax Saving Fixed Deposit Super Saver Facility Recurring Deposit NRE Fixed Deposit DEPOSITS

13. Period Interest Rate (per annum) **Senior Citizen Rates (per annum) Effective From 7 - 14 days 3.50% 4.00% May 12, 2011 15 - 29 days 5.00% 5.50% July 27, 2013 30 - 45 days 6.00% 6.50% July 27, 2013 46 - 60 days 8.50% 9.00% July 27, 2013 61 - 90 days 8.50% 9.00% July 27, 2013 91 Days to less than 6 months 1 day 8.50% 9.00% July 27, 2013 6 months 1 day - 6 months 15 days 8.75% 9.25% July 27, 2013 6 months 16 days 8.75% 9.25% July 27, 2013 6 months 17 days - 9 months 15 days 8.75% 9.25% July 27, 2013

14. 9 months 16 days 8.75% 9.25% July 27, 2013 9 months 17 days - 1 year 8.75% 9.25% July 27, 2013 1 year 1 day - 1 year 15 days 9.00% 9.50% August 17, 2013 1 year 16 days 9.00% 9.50% August 17, 2013 1 year 17 days - 2 years 8.75% 9.25% September 12, 2012 2 years 1 day - 2 years 15 days 8.75% 9.25% September 12, 2012 2 years 16 days 8.75% 9.25% September 12, 2012 2 years 17 days - 3 years 8.75% 9.25% September 12, 2012 3 years 1 day - 5 years 8.75% 9.25% September 12, 2012 5 years 1 day - 8 years 8.25% 8.75% Dec 10, 2010 8 Year 1 Day - 10 Years 8.25% 8.75% Dec 10, 2010

15. Fixed Deposit NRE Fixed Deposit Purpose : Safe and secure growth for your funds with full repatriation Min Amt and Add-on deposit : INR 25,000 Repatriation : Full amount (principal and interest) Overdraft Facility : 90% of the Deposit Tenure : Min. 1 year Max. 10 years NRO Fixed Deposit Purpose : Long term investment with high rate of interest Min Amt and Add-on deposit : INR 25,000 Repatriation : Interest only Overdraft Facility : 90% of the Deposit Amount Tenure : Min. 7 days Max. 10 years

16. Taxation : Interest earned is exempt from Tax (i.e. Tax - free). Rate of Interest : For amount less than 1 crore , 8.75%(1-5)years, 8.25%(5-10)yrs. For amount 1cr to 5cr , 9.25%(1-2)yrs, 8.75%(2-5)yrs,8.25%(5-10)yrs. Taxation : Interest is taxable under Indian Income Tax Rate of Interest : For amt less than 1crores : (7-14)days : 3.50% (15-29)days : 5% (30-45)days : 6% (46-60)days : 8.50% (61-90)days : 8.5% 91days to less than 6months 1day : 8.50% 6months 1day to 1year : 8.75%

17. Super Saver Account Purpose : Dual advantage of liquidity of Savings Account and high interest rates of Deposits Tenure : Linked to a Savings/Current A/c Sweep-In Account Purpose : Takes care of deficit in your NRI Savings / Current Account by linking without losing out on interest Tenure : 5 years

18. NRO Tax Saver Fixed Deposit Purpose : Opportunity to diversify your investments and save on tax Min amt and add-on deposit : INR 100 and in multiples of 100 Repatriation : Interest only Taxation : Interest is taxable under Indian Income Tax Act Tenure : 5 years NRE Recurring Deposit Purpose : It is an alternative to SIP and appeals to account holders who would want to save regularly Min amt and add-on deposit : An investment as small as Rs 500 (and in multiples of Rs 100 there after) or as large as Rs 14,99,900/- per month Repatriation : Full amount (principal and interest) Taxation : Interest earned is exempt from Tax (i.e. Tax - free) Tenure : Minimum tenure- 12 months (and in multiples of 3 months thereafter) Maximum tenure – 120 months

19. Rate of Interest :(7-14)days : 3.50% (15-29)days : 5% (30-45)days : 6% (46-60)days : 8.50% (61-90)days : 8.5% 91days to less than 6months1day : 8.50% 6months 1day to 5years : 8.75% 5years to 10years : 8.25% Rate of Interest : 12months : 7.75% (15-60)months : 8.75% (90-120)months : 8.25%

20. Foreign Currency Deposits Foreign currency NR Deposits Currency : 6 foreign currencies - US Dollars, Pounds Sterling, Euro, Japanese Yen, Australian Dollars, Canadian Dollars Purpose : Deposit in foreign currency protecting you from exchange rate risks Repatriation : Principal and interest fully repatriable Taxation : Tax exemption on entire deposit Joint holder : Can be held jointly with other NRI customers Tenure : Min. 1 year Max. 5 years RupeeMax Currency : 6 foreign currencies - US Dollars, Pounds Sterling, Euro, Japanese Yen, Australian Dollars, Canadian Dollars Purpose : Forward cover product that converts your FCNR FDs in INR at a pre-determined fixed rate. Repatriation : Repatriate proceeds on maturity Taxation : - Joint holder : Available for FCNR FDs held jointly Tenure : Book a forward cover for a tenure ranging from 1 to 5 years

21. Account for returning Indians RFC Savings Account Purpose : Maintain account in foreign currency even as you can withdraw cash in Indian Rupees Transfer : Balance can be transferred on regaining NRI status Repatriation : Repatriate funds on bonafide reasons Taxation : Earn tax exemption on interest accrued on declaration of Resident but Not Ordinarily Resident status RFC Fixed Deposit Purpose : Maintain account in 4 foreign currencies and protect yourself against exchange rate fluctuations Transfer : Funds can be remitted abroad for any bonafide purpose of the account holder Repatriation : Repatriate funds on bonafide reasons Taxation : Earn tax exemption on interest accrued on declaration of Resident but Not Ordinarily Resident status

22. Nomination facility : Is available Interest payment : Interest is credited quarterly Taxation : TDS (Tax Deducted at Source) exemption can be claimed on interest earned basis declaration of RNORA. Joint holder : Can be held jointly with other eligible persons Nomination facility : Is available Interest payment : Interest is credited quarterly Taxation : TDS exemption can be claimed on interest earned basis declaration of RNOR Joint holder : Can be held jointly with other eligible persons

23. Offshore Accounts & Deposits Smart Account : If you need an account that offers you instant access to your funds while fetching you attractive interest on your balances, then Smart Account is the right choice. Available with a cheque book, this account can be opened with 3 other joint account-holders to help you manage your finances better. Time Deposit : HDFC Bank Hong Kong offers you Time Deposits - an investment solution with flexible tenures and attractive interest rates. With the multiple advantage of being able to invest in 4 major currencies, you can renew the deposit automatically with added security and flexibility . Offshore deposits : If you are looking for a safe investment option which can offer competitive returns, Offshore Deposits is the right choice. It gives you the flexibility to choose between fixed or floating deposits in three major currencies of the world. Call Account : Opt for our zero balance call account offering competitive rates and orderly management of funds. You also get the flexibility to withdraw the amount any time

24. Demat Account Features No Account Opening charges 1st year waiver on Annual Folio Maintenance Charges Transaction linked Annual Folio Maintenance charge from 2nd year onwards (The more you transact, Lesser you pay ) No stamp duty on transfer of securities held in Demat form Auto credit of rights / bonus / public issues in your Demat Account through ECS Holding / Transaction details can be viewed through HDFC Bank Net Banking by registering for DP on Net for free of cost Pledging of securities Discounted AMC of Rs 250/- from second year onwards for customers in Senior citizen category DEMAT ACCOUNT

25. Loans Personal Loan Business Loans Home Loans Car Loans Two Wheeler Loans Education Loans Loan Against Gold Loan Against Securities Loan Against Property LOANS

26. CARDS Credit Cards Debit Cards Prepaid Cards Credit Card Rewards Program Business Platinum Credit Card Business Gold Credit Card CARDS

27. INVESTMENTS Wealth Services Investment Products INVESTMENTS

28. INSURANCE Life Insurance Health Insurance Motor Insurance Travel Insurance Home Insurance INSURANCE

29. FOREX Travel Solutions Remittance Products Other Forex Services FOREX

30. Imperia Banking Preferred Banking Classic Banking PREMIUM BANKING

31. NRI Private Banking NRI Imperia Banking NRI Preferred Banking NRI Classic Banking NRI PREMIUM BANKING

32. Cash Management Services Direct Mode of Payment Merchant Services RTGS ECS Credit & Debit Doorstep Banking Tax Payments PAYMENTS & COLLECTIONS

33. Export Services Import Services Letter of Credit Bank Guarantees Remittance Services Investment Services TRADE SERVICES

34. Working Capital Finance Term Loans Business Loans Loan against Assets FINANCING YOUR BUSINESS

35. Tax Collection E-Ticketing Opening of L/C's Collection of levies and taxes Disbursement of Pension Electronic Collection of fees Ministry of Corporate Affairs Collection of Property Tax GOVERNMENT SECTOR

36. Project appraisal, structured finance, loan syndication and debt capital markets Equity Placement M&A and Corporate Advisory Services Capital Market Advisory Services INVESTMENT BANKING

37. Banks Financial Institutions Mutual Fund Capital & Commodity Markets Brokers Insurances Companies T rusts FINANCIAL INSTITUTIONS & TRUST

38. Banking Online : Net Banking Email statements Banking with Phone : SMS Banking Phone Banking InstaAlerts Mobile banking through browser Mobile Banking App for iPhone Mobile Banking App for Blackberry Mobile Banking App for Android Mobile Banking App for Nokia Mobile Banking Credit card information WAYS TO BANK

39. Banking in Person P.O Boxes – Account instructions are sent to a local P.O Box which are then wire transferred to HDFC Bank, free of charge. NRI Access Points – HDFC Bank has representative offices in the Gulf, Kenya and Hong Kong. Branch Network - Accessing Savings or Current Account from any of over 3,119 of HDFC Bank branches across India. ATMs - 24-hour access to cash, view mini-statement, order cheque books, recharge prepaid cards, all from HDFC’s wide network of over 11,088 ATMs.

40. THANK YOU

41. http://www.unitedworld.edu.in/ Campus Ahmedabad Campus: Karnavati Knowledge Village, A/907,Uvarsad, S.G.Highway , Gandhinagar Kolkata Campus: Infinity Benchmark Tower 10th Floor, Plot - G1, Block - EP& GP, Sec - V, Salt Lake, Kolkata. Reg. Office: 407, Zodiac Square, 4th Floor Opp. Gurudwara , S.G. Road, Bodakdev , Ahmedabad .