Cash management services at HDFC Bank

Type :

Indian project

Pages :

55 pages

Format :

.doc

Published date :

03/05/2009

Category :

Economics & finance

Sub category :

Finance

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Summary :

Objectives.
Commercial banks in India.
1. Background of commercial banks.
2. Current trends.
3. Outlook.
Corporate banking: Structure and trends.
1. Structures.
2. Current trends.
3. outlook.
Evolution of cash management.
Cash management basics.
Cash management products and processes.
1. Collection products.
2. Payment products.
3. Liquidity products.
HDFC bank and its cash management services.
1. Background.
2. Business profile.
3. Cash management services of HDFC bank.
Innovative products in CMS.
Significcance of cash management: The banks perspective.
1. Costs and benefits for the bank.
2. Pricing.
Significance of cash management for a corporate.
1. Cost benefits analysis of a company.
2. Qualitative benefits of CMS.
Questionnaire.
1. For banks.
2. HDFC customer feedback.
The survey.
1. Customer survey methodology.
2. Banks survey methodology.
Comparative analysis of cash management service of banks.
1. Determinance of selection.
2. Quality of bank services.
3. Perception gap.
4. Relative standing of banks.
Suggestions.
Future of CMS.
Conclusion.
References.

Abstract

There are currently about 101 commercial banks in India, which include public sector banks, regional rural banks & private sector banks both domestic & foreign. Public sector banks account for only 27, while the private sector includes 32 (24 old, 8 new) domestic banks and 42 foreign banks. RBI is the central bank of the country. It is the sole authority for issuing bank notes and the supervisory body for banking operations in India. It is also responsible for granting licenses new bank branches. RBI's relationship with the commercial banks extends from supervisory role to the lender of last resort. RBI has laid down certain restrictions relating to amount advances and interest rates of bank lending operations.

The RBI stipulates capital adequacy norms for banks in India Banks are expected to maintain their capital investment according to the overall level of Non-Performing Assets & overall risk of bank assets. RBI also sets the CRR & SLR rates to control the money supply in the market.

Commercial banks at present have more than 67000 branches throughout India. Taking the figure of India's population as 1 billion and & the number of branches to be 67000s there exists a ratio of 1 branch per 1493 persons. Foreign banks have lesser number of branches than public sector banks. These branches are usually situated in metropolitan cities. Their penetration is more in urban areas unlike public sector banks that have penetrated the rural & semi rural markets extensively. The banking sector is quite liberalized now where any player could enter the market whether Indian or foreign.