HDFC Bank is India’s largest private sector lender by assets. It is the largest bank in India by market capitalization as of February 2016. It was ranked 69th in 2016 BrandZ Top 100 Most Valuable Global Brands.

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About HDFC Bank

The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of RBI's liberalisation of the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of 'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995.

Mission of the Bank

HDFC Bank's mission is to be a World Class Indian Bank. The objective is to build sound customer franchises across distinct businesses so as to be the preferred provider of banking services for target retail and wholesale customer segments, and to achieve healthy growth in profitability, consistent with the bank's risk appetite.lthy growth in profitability, consistent with the bank's risk appetite. The bank is committed to maintain the highest level of ethical standards, professional integrity, corporate governance and regulatory compliance. HDFC Bank’s business philosophy is based on five core values: Operational Excellence, Customer Focus, Product Leadership, People and Sustainability.


Bank is having branches in India in the following States/UTs :

  • Andaman And Nicobar Island
  • Andhra Pradesh
  • Arunachal Pradesh
  • Assam
  • Bihar
  • Chandigarh
  • Chhattisgarh
  • Dadra And Nagar Haveli
  • Daman And Diu
  • Delhi
  • Kerala
  • Madhya Pradesh
  • Maharashtra
  • Manipur
  • Meghalaya
  • Mizoram
  • Nagaland
  • Odisha
  • Puducherry
  • Punjab
  • Rajasthan
  • Sikkim
  • Tamil Nadu
  • Telangana
  • Goa
  • Gujarat
  • Haryana
  • Himachal Pradesh
  • Jammu And Kashmir
  • Jharkhand
  • Karnataka
  • Uttar Pradesh
  • Uttarakhand
  • West Bengal
  • Tripura


Services provided by HDFC Bank are as follows :

1.Business Loan

To help small and medium scale businesses grow and flourish more, HDFC Bank offers business loans loaded with a host of benefits.

2.Personal Loan

HDFC Bank provides personal loans at easier terms and conditions and with hassle-free documentation.

3.Gold Loan

HDFC Bank offers gold loans to help its customers fulfil their immediate need for cash such as wedding expenses, business expansion, education or medical needs.

4.Car Loan

HDFC Bank offers car loans for purchasing a new car or a pre-owned car at highly attractive rates of interest.


The initiatives taken by HDFC Bank :

Holistic Rural Development

Creating sustainable communities, we believe is also about bequeathing a better world to future generations. Towards this, we undertake Holistic Rural Development activities in rural India by collaborating with the community and the government. These span initiatives on micro-watershed management, irrigation, soil and water conservation, community forestry, and renewable energy.

Financial Literacy and Inclusion

An economically empowered community is one where the community is financially empowered, educated and has access to financial services. With this objective, HDFC Bank conducts financial literacy programmes to make smart financial decisions and encourage transactions and account opening. These workshops are executed through the Bank’s business units as well as through NGO partners. The Bank’s extensive network is also leveraged to uplift Bottom of the Pyramid sections, with a special focus on providing basic financial services and credit, financial literacy and capacity building. This is done so as to allow individuals to be more financially aware and make better financial decisions. Dhanchayat is one such initiative that aims to educate people who do not have access to formal banking channels and bring them within the fold.

Sustainable Livelihood Initiative

HDFC Sustainable Livelihood Initiative (SLI) is a holistic model aimed at empowering women at the Bottom of the Pyramid in the un-banked and under-banked segment of the population. The initiative provides a bouquet of financial and non-financial services which includes vocational training, financial literacy, insurance and access to credit facilities. This approach of offering affordable credit eliminates middle men and money lenders, allowing beneficiaries to spend the loan in some income generating activity. Through SLI, women have availed credit for themselves and utlised for improving their occupations like tailoring, designing artificial jewellery, setting up grocery shops, livestock rearing, handicrafts etc.

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