elets 2nd ejharkhand summit 2016 - abhishek kumar, deputy vice president, hdfc bank
Post on 06-Apr-2017
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Deposits: Rs. 546,424 crores
(as on Mar 31, 2016)
Commenced operations in
1995
4520 branchesIn 2171 Locations
12000 ATMs Nationwide
IDRBT Banking
Technology2016
Best Bank in Technology Excellence
Business Today 2016
KPMG India's Best Bank
Forbes Asia 2015
Fab 50 Companies
Finance Asia 2015
Barron's World's Top 30 CEOs 2016
Dr. Aditya Puri (MD) in Top 30 Global
CEOs
FE Best Bank Awards 2015
Best Asian Bank
Best Bank in the New Private sector
Fab 50 Companies
Capital Adequacy Ratio (CAR): 17% (as on Mar 31, 2016) against a regulatory minimum of 9.0%
Awar
ds &
Ac
cola
des
About Us
Jharkhand
• 58 branches in Jharkhand• 50 % branches are in Rural
and Semi-Urban locations• 83% CD ratio (one of the
best)
First Revolution
Second Revolution
Third Revolution
Revolution
Third wave in turn triggered the concept of e-Governance
Industrial
Agriculture
Information
Digital India
The Digital India programme is a flagship programme of the Government of India with a vision to transform India into a digitally empowered society and knowledge economy.
Vision Areas of Digital India
Digital Infrastructure as a Core Utility to Every Citizen
Governance and Services on Demand
Digital Empowerment of Citizens
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E- governanceE-governance improves delivery of services to citizens, businesses and employees. This results in enhanced transparency, convenience and empowerment, less corruption, revenue growth and cost reduction. E-governance is enabled by people, process and technology, where secure and successful payment is critical. E-advantage with HDFC Bank helps the Government through:
E-procurement/E-tendering: Collection earnest money through online payments of tender fees
Online collection of house tax/ commercial taxes/ property tax/ rent, etc. Online fee collection for licenses/ renewal Online subscription/ connection/ booking/ billing Online payments for death/birth certificates and donations Online payments of Utility bills
HDFC Bank aims to support the growth of e-governance by facilitating secure payments through its robust and highly dependable payment gateway platform. We facilitate customisations and integration that may be required with your systems, cash management and other banking services.
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• Customized solutions as per needs of the Government department
• Continuous engagement/support after installation
• Happening in a short time and at a great rate
• Comprehensive online solution• Achieving maximum productivity with
minimum effort or expense.
Why SmartHub? – Online Solution to Government Departments
Efficiency
Rapidity
Reliability
“SmartHub” is the proposed solution which provides an end to end solution including a host of value added services on a single platform. It is an integrated payment collection module for govt deptts.
Benefits tp Govt Department
Safe, Secure & Convenient mode of Payments Collection across all Geographies. Single Window for Collection of all type of Fees, Taxes, Duties etc…
Website is not a must have - Bank will create a Microsite with the deparment’s Branding
Online Form Creation / Customizations Supported via SmartHub Government Solution
Payment options: Supports all payment options (Credit Card, Debit Card, Net Banking, IMPS and
Challan based payments like Cash / Chq / DD / NEFT / RTGS)
Ability to send online response to the Department and update Department’s database
Integrated Reports across all Payment Modes for easy reconciliation
End to end integration support and servicing for any additional/customised needs and any specific Customizations would be supported on a case to case basis
Being a leader in the payments industry, we will continue to associate ourselves with brands and widen our
acceptance on Payment Gateway.
HDFC Bank – Market Leader in Digital Space
• Market leader with 45% Market share
• Largest Acquirer in the country
• E commerce space process more than 58000 Cr annually
• 26 Million Debit & Credit cards
• 240,000 terminals,
• 75 million Txn/month
• 6000+ merchants on PG
• 58,000Cr Annual volume processed
• 25 million Txn/month
BENEFIT TO DEPARTMENTS• Online Collection• No Integration• Single Window for all Payment
Modes• Option to receive online response • ERP compatible MIS
MICROSITE FOR PAYMENT Site with Department Branding Listing on HDFC Bank Website Mobile Optimized Pages
DEPARTMENT CONSOLE • Data Upload • SMS & Email Notification -
Payment Link / Reminders• Integrated Reports
PAYMENT OPTIONS• Credit / Debit Cards• Net Banking of 40+ Banks• Challan Payment Options -
Cash, NEFT, RTGS, IMPS
Supports
1000+ Government Departments
Smarthub – Government OfferingEfficient
SmartHub – Payment Gateway
Cardholder
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Merchant website
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Select the details
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Click “Pay”
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No/Static Website
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Microsite will be created
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Department uploads the
data
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Click “Pay”
4Departments With No / Static Website
Department With Erp / Website
Rapid
Online Collection – Payment Gateway
Our Payment Gateway services help you collect various fees/charges/tax online (through the Internet).
Payment will be through Debit / Credit card, Net banking & the amount will get credited to your account held with us.
Benefits to the Department
A report of transactions through the Gateway will be sent to you to help you in your reconciliation.
We provide a daily MIS with details about the transactions processed on our Payment gateway.
Rapid
Payment Gateway – Unique features
Complete Internet-based payment processing and management solution for all cards issued in India and abroad
Highly reliable uptime and best transaction success rate
Supports payments in 14 currencies through Multi Currency Conversion (MCC)
An integrated, flexible, rule-based, proactive risk management system that supports evaluation of transaction activity
In house dedicated helpdesk to resolve queries
Rapid
SmartHub – eCMS & CMS
Payment by NEFT / RTGS – eCMS
Payment by Cheque/Demand Draft - CMSLocal Cheque Collections
•Cheques deposited at the same location will be realised quickly
Outstation Cheque Collections
•Deposit outstation cheques drawn on any HDFC Bank location at any HDFC Bank
Transfer Cheque Collections
• Local /outstation cheques drawn on any branch of HDFC Bank Ltd
Comprehensive MIS
•Daily report •Location-wise report•Monthly cumulative report •Customised reports as per mutual agreement
Multiple collection option -RTGS/NEFT, Fund Transfer, ACH, etc.
Lower exposure on its customer / dealer
Real-time, Online Credits from Channel Partners & System Houses
Customised MIS and Dedicated service desk
Rapid
What is PFMS?
HDFC Bank is PFMS Empanelled
PFMS – Flow of Money
Agency PFMS Bank
APBS
NACH
NEFT
RTGS
Fund Transfer
NPCI
Inter Bank
RBI
Beneficiary / Customer
APBS*
NACH**
Agency initiates payment for beneficiary account through PFMS
PFMS initiates payment request with Bank
Bank identifies the mode of payment
Mode of Payment
*Aadhaar Payment Bridge System**National Automated Clearing House
HDFC Bank – Digital Market Share
Largest e-Commerce Acquirer
Largest Market Share in Government Space
1000+ Government Departments
Extend services to Govt Dept in 25 States
15 Utility Departments
16 Tourism boards
11 Road Transport Corporations
78 Govt Educational Institute
200+ Municipal Corporations
E-Tendering solution to Govt Departments
G2C service like MP online & Maha online
Largest acquirer in IRCTC
E-Tendering
Railway
Road Transport Corp.
Education
Taxes & MC
G2C services
Tourism Board
Utility
Reliable
With our expertise and experience we are fully geared up and ready to Serve Jharkhand Government in the dream of making our state a Digital Jharkhand.
E-ADVANTAGE
Dedicated RELATIONSHIP TEAM
WEBSITE not mandatory
INTEGRATION not required
In-House SERVICE TEAM
ERP Compatible MIS / Integrated Reports
MICROSITE withDepartment Branding Credit Cards, Debit
Cards, NetBanking of 40 + Banks and IMPS
SmartHub - Product FeaturesEfficient
SERVICES
Real-time, on-demand intelligent online analytics
Retry of failed transactions for higher business volume and success rate
Save Card Enables faster checkout option on HDFC Bank Payment
Page Stores card numbers and requires entry of only CVV and
VBV
SmartHub - ServicesEfficient
PFMS – Reconciliation & Flow
Once the payments are made by the bank, bank uploads a reverse file on the status of the payments on PFMS Portal
Thank You
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