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