Boi and hdfc
Transcript of Boi and hdfc
Customer Relationship Management in Financial Services
T.Y.B.F.M.
6th
PROF.Eralee shah
2012-13
Name Roll No.
Priyank Darji 07
Hardik Nathwani 25
Shashank Pai 26
Sagar Panchal 27
Dharmik Patel 30
Kush Shah 38
Siddarth Tawde 45
INTRODUCTION OF BOI Bank of India was founded on 7th September, 1906 by a group of eminent
businessmen from Mumbai.
Bank was under private ownership and control till July 1969 when it was nationalised along with 13 other banks.
The Bank has 4038 branches in India spread over all states/ union territories including specialized branches. These branches are controlled through 50 Zonal Offices. There are 29 branches/ offices (including five representative offices) and 3 Subsidaries and 1 joint venture abroad.
Bank of India was the first Indian Bank to open a branch outside the country, at London, in 1946, and also the first to open a branch in Europe, Paris in 1974. The Bank has sizable presence abroad, with a network of 29 branches (including five representative office) at key banking and financial centres viz. London, Newyork, Paris, Tokyo, Hong-Kong and Singapore
INTRODUCTION OF HDFC BANK HDFC Bank Limited (Housing Development Finance Corporation) is a major
bank in India. It was incorporated in 1994 and is a publicly held banking company.
Its shares are listed on the Bombay Stock Exchange Limited and on the National Stock Exchange of India Limited. It also has American Depository Shares listed on the NYSE and GDRs listed on the Luxembourg Stock Exchange.
It provides banking services and products to are variety of customers including consumer banking, NRI banking, private banking, SME banking and corporate banking.
HDFC Bank keeps the credit of the first bank in India to launch an International Debit Card in association with VISA (Visa Electron). As a fast growing bank it has a network of 2,776 Branches and 10,490 ATM's in 1568 Indian towns and cities.
DEPOSITDEPOSIT BOI HDFC
Minimumdeposit
Interest rate Minimumdeposit
Interest rate
Saving account 1000/- 4% 10000/- 4%
Current account 5000/- nil 10000/- nil
Recurring deposit 500 p.m 9%No Interest will be paid if payment is taken within three months
500 p.m 1 yearFor regular account 8% and for senior citizen 8.5%
FIXED DEPOSITPeriod BOI
( up to 15lac)HDFC
(up to 15lac)
Interest rate(% p.a.) Interest rate(% p.a.)
General Senior citizen General Senior citizen
1 year to 2 years 9.00 9.50 8.75 9.25
2 year to 3 years 9.00 9.50 8.75 9.25
3 year to 5 years 9.00 9.50 8.75 9.25
5 year to 8 years 9.00 9.70 8.25 8.75
8 year to 10 year 8.75 9.80 8.25 8.75
LOANS
Rates Fixed Interest Rate Flexible Interest Rate
Upto and including Rs 30 lacs
12.25% 10.75%
Rs.30.01 lacs to Rs.75 lacs
12.50% 11.00%
Rs.75.01 lacs and above
13.00% 11.50%
BOI HOME LOAN HDFC HOME LOAN
Loan Amount Upto Rs 15,00,000/- depending on your income and
repayment capacity.
Interest Rate Salaried/Self Employed - 15.75% to 22.25%
Tenure 12 to 60 months.
Pre Payment Charges Upto 4% of the Principal Outstanding.
Service Charges Loan Processing Charges are upto 2%
BOI PERSONAL LOAN
HDFC PERSONAL LOAN
Loan Amount Loans upto Rs.15 Lakhs for Education in India and upto
Rs.20 Lakhs for Education abroad
Interest Rate 14% p.a
Tenure Repayment to start 1 year after course completion / 6
months after obtaining employment (whichever is earlier).
Loan available upto tenure of 7 years including moratorium
period
Pre Payment Charges Upto 4% of the Principal Outstanding after 6 months of
repayment
Service Charges Processing Fee: Upto a maximum 2% of the loan amount
BOI EDUCATION LOAN
HDFC EDUCATION LOAN
Mutual Fund BOI AXA
Mutual Fund
HDFC
Mutual Fund
Setup Date Mar-31-2008 Jun-30-2000
Incorporation Date Aug-13-2007 Dec-10-1999
Sponsor Bank of India and AXA Investment
Managers
Housing Development Finance
Corporation Limited, Standard Life
Investments Limited
Trustee BOI AXA Trustee Services Private
Limited
HDFC Trustee Company Limited
Chairman N.A Mr. Deepak Parekh
CEO / MD Mr Sandeep Dasgupta Mr. Milind Barve
CIO Mr. Alok Singh Mr. Prashant Jain
Compliance Officer Mr. Rajesh Chawathe Mr. Yezdi Khariwala
Investor Service Officer Mr. Shubro Sankha Das Sharma Mr. John Mathews
Assets Managed Rs. 661.14 crore (Dec-31-2012) Rs. 101392.54 crore (Dec-31-2012)
MUTUAL FUND
BOI AXA EQUITY FUND HDFC TOP 200 FUND
Fund Type Open-Ended Open-Ended
Investment Plan Growth Growth
Launch date Aug 19, 1996 Oct 01,2008
Benchmark BSE-200 S&P CNX NIFTY
Asset Size (Rs cr) 12,122.20 (Dec-31-2012) 0.43(Nov 30- 2008)
Minimum Investment Rs.5000 Rs.5000
Fund Manager Prashant Jain / Miten Lathia GAURAV KAPUR
Entry Load N.A N.A
Exit Load 1.00% 1.00%
SCHEME DETAILS
INSURANCE
BOI
1. Star Flier Scheme
2. Other Products offered at specially reduced rates to BOI Customers
Domestic Travel Insurance Health Insurance Scheme
3. Insurance cover offered along with other Loans/Products Home Loan Assurance Scheme
(Optional ) Educational Loan Insurance
Scheme (Optional)
HDFC
1. Children’s Plan
2. Term Plan
3. Saving & Investment Plan
4. Other Insurance Health Insurance
Motor Insurance
Travel Insurance
Home Insurance
OTHER SERVICE
ATM
Depository service
Tax Payment
Safe Deposit Vault
Gold Coin
ASBA
Mobile banking
Online trading
Book ticket
Debit card
Credit card
Internet banking
ATMDemat serviceTax paymentDebit cardCredit cardPrepaid cardInternet bankingMobile bankingNEFT/RTGSE-netDoorstep bankingECS Debit & credit
BOI HDFC BANK
MERCHANT BANKING SERVICE
BOI
• They do not provide merchant banking service
HDFC
• Project appraisal, structured finance, loan syndication and debt capital markets
• Equity Placement
• M&A and Corporate Advisory Services
• Capital Market Advisory Services