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8/9/2019 Merketing Project on HDFC
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8/9/2019 Merketing Project on HDFC
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2
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8/9/2019 Merketing Project on HDFC
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8/9/2019 Merketing Project on HDFC
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h}bnlks ya` ajxn anfunk dn bl {an s~ccnssh~f c`dufn{b`l `h {abs
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8/9/2019 Merketing Project on HDFC
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:=
C@L[NL[S
S}, L`, S~monc{ C`xn}nk Ujin L`,
: Mjlgbli S{}~c{~}n bl Blkbj 8$9
= Blkbjl Mjlgbli Blk~s{}bns 1$2
3 ^uc`dbli H`}nbil Mjlg bl Blkbj :5
; AKHC MJLG ::$:=
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8 [ncal`f`ir ~snk :8$:2
9 U}`k~c{ jlk C~s{`dn} snidnl{s =5$=3
1 M~sblnss S{}j{nir =;$=>
2 Blsbkn Akhc Mjlg =8$3:
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:: ]ncnl{ Knxnf`udnl{ 3;$;:
:= SY@[ Jljfrsbs ;=$;1
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8/9/2019 Merketing Project on HDFC
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MJLGBLI S[]^C[^]N BL BLKBJ
Scank~fnk Mjlgs bl Blkbj
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Lny U}bxj{n Snc{`} Mjlgs
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I}nj{n} nhhbcbnlcr
BLKBJL MJLGBLI BLK^S[]BNS
[an Blkbjl mjlgbli dj}gn{ bs i}`ybli j{ jl js{`lbsabli }j{n& yb{a
Jssn{s nqunc{nk {` }njca ^S+: {}bffb`l mr =5:5, Jl nqujlkbli
nc`l`dr& dbkkfn cfjss& jlk {ncal`f`ibcjf bll`xj{b`ls j}n jff
c`l{}bm~{bli {` {abs i}`y{a,
[an c`~l{}rs dbkkfn cfjss jcc`~l{s h`} `xn} 3=5 dbffb`l un`ufn,
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:8
Bl c`}}nfj{b`l yb{a {an i}`y{a `h {an nc`l`dr& }bsbli blc`dn fnxnfs&
blc}njsnk s{jlkj}k `h fbxbli& jlk jhh`}kjmbfb{r `h mjlgbli u}`k~c{s
j}n u}`dbsbli hjc{`}s h`} c`l{bl~nk nqujlsb`l,
[an Blkbjl mjlgbli Blk~s{}r bs bl {an dbkkfn `h jl B[ }nx`f~{b`l&
H`c~sbli `l {an nqujlsb`l `h }n{jbf jlk }~}jf mjlgbli,
Ufjrn}s j}n mnc`dbli blc}njsblifr c~s{`dn} $ cnl{}bc bl {anb}
juu}`jca& yabca ajs }ns~f{nk bl bll`xj{bxn dn{a`ks `h `hhn}bli lny
mjlgbli u}`k~c{s jlk sn}xbcns, Mjlgs j}n l`y }njfbzbli {an
bdu`}{jlcn `h mnbli j mbi ufjrn} jlk j}n mnibllbli {` h`c~s {anb}
j{{nl{b`l `l dn}in}s jlk jc ~bsb{b`ls {` {jgn jkxjl{jin `h
nc`l`dbns `h scjfn jlk/`} c`dufr yb{a Mjsnf BB }ni~fj{b`l,Blkbjl mjlgbli blk~s{}r jssn{s j}n nqunc{nk {` }njca S+: {}bffb`l mr
=5:5 jlk j}n u`bsnk {` }ncnbxn j i}nj{n} blh~sb`l h h`}nbil cjub{jf&
sjrs U}j{abdj ]jojl & jljfrs{ bl Cnfnl{)s mjlgbli i}`~u jlk j~{a`} `h
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17/65
:9
{an }nu`}{, [an mjlgbli blk~s{}r sa`~fk h`c~s `l ajxbli j sdjff
l~dmn} `h fj}in ufjrn}s {aj{ cjl c`dun{n if`mjffr }j{an} {ajl ajxbli
j fj}in l~dmn} `h h}jidnl{nk ufjrn}s,-
^UC@DBLI H@]NBIL MJLGS BL BLKBJ
Mr =552 hny d`}n ljdns bs i`bli {` mn jkknk bl {an fbs{ `h h`}nbil
mjlgs bl Blkbj, [abs bs js jl jh{n}dj{a `h {an s~kknl bl{n}ns{ sa`yl
mr ]nsn}xn Mjlg `h Blkbj ujxbli }`jkdju h`} h`}nbil mjlgs bl Blkbj
i}nj{n} h}nnk`d bl Blkbj, Jd`li {and bs {an y`}fk)s mns{ u}bxj{n mjlg
mr N~}`D`lnr djijzbln & Syb{zn}fjlk)s MS,
[an h`ff`ybli j}n {an fbs{ `h h`}nbil mjlgs i`bli {`sn{ ~u m~sblnss bl Blkbj ?$
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:1
]`rjf Mjlg `h Sc`{fjlk
Syb{zn}fjlk)s ^MS ^S$mjsnk IN Cjub{jf
C}nkb{ S~bssn I}`~u
Blk~s{}bjf jlk C`ddn}cbjf Mjlg `h Cablj
YN ^LKN]S[JLK R@^] Y@]FK
[an A`~sbli Knxnf`udnl{ Hbljlcn C`}u`}j{b`l Fbdb{nk !AKHC" yjs
jd`lis{ {an hb}s{ {` }ncnbxn jl )bl u}blcbufn) juu}`xjf h}`d {an
]nsn}xn Mjlg `h Blkbj !]MB" {` sn{ ~u j mjlg bl {an u}bxj{n snc{`}& jsuj}{ `h {an ]MB)s fbmn}jfbzj{b`l `h {an Blkbjl Mjlgbli Blk~s{}r bl :22;,
[an mjlg yjs blc`}u`}j{nk bl J~i~s{ :22; bl {an ljdn `h )AKHC
Mjlg Fbdb{nk)& yb{a b{s }nibs{n}nk hhbcn bl D~dmjb& Blkbj, AKHC Mjlg
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:2
c`ddnlcnk un}j{b`ls js j Scank~fnk C`ddn}cbjf Mjlg bl Ojl~j}r
:22>,
AKHC bs Blkbj)s u}ndbn} a`~sbli hbljlcn c`dujlr jlk nlo`rs jl
bdunccjmfn {}jcg }nc`}k bl Blkbj js ynff js bl bl{n}lj{b`ljf dj}gn{s,
Sblcn b{s blcnu{b`l bl :299& {an C`}u`}j{b`l ajs djbl{jblnk j
c`lsbs{nl{ jlk anjf{ar i}`y{a bl b{s `un}j{b`ls {` }ndjbl {an dj}gn{
fnjkn} bl d`}{ijins, B{s `~{s{jlkbli f`jl u`}{h`fb` c`xn}s ynff `xn} j
dbffb`l kynffbli ~lb{s, AKHC ajs knxnf`unk sbilbhbcjl{ nqun}{bsn bl
}n{jbf d`}{ijin f`jls {` kbhhn}nl{ dj}gn{ snidnl{s jlk jfs` ajs j
fj}in c`}u`}j{n cfbnl{ mjsn h`} b{s a`~sbli }nfj{nk c}nkb{ hjcbfb{bns,
Yb{a b{s nqun}bnlcn bl {an hbljlcbjf dj}gn{s& j s{}`li dj}gn{
}nu~{j{b`l& fj}in saj}na`fkn} mjsn jlk ~lb ~n c`ls~dn} h}jlcabsn&
AKHC yjs bknjffr u`sb{b`lnk {` u}`d`{n j mjlg bl {an Blkbjl
nlxb}`ldnl{,
AKHC Mjlg mnijl `un}j{b`ls bl :22> yb{a j sbdufn dbssb`l ? {` mn j
Y`}fk Cfjss Blkbjl Mjlg, Yn }njfbznk {aj{ `lfr j sblifn dblknk
h`c~s `l u}`k~c{ ~jfb{r jlk sn}xbcn nqcnffnlcn y`~fk anfu ~s in{
{an}n, [ kjr& yn j}n u}`~k {` sjr {aj{ yn j}n ynff `l `~} yjr
{`yj}ks {aj{ i`jf,
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=5
C@DUJLR U]@HBFN
S[]@LI LJ[B@LJF LN[Y@
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=:
AKHC MJLG
Js `h Dj}ca 3:& =551& {an Mjlgs kbs{}bm~{b`l ln{y`}g yjs j{ 98:
M}jlcans jlk :299 J[Ds bl 3=9 cb{bns js jijbls{ 81; m}jlcans
Dj}ca =558 Dj}ca =559 Dj}ca =551
Cb{bnk ==1 3:8 3=9
M}jlcans >3> 81; 98:
J[Ds :3=3 :85> :299
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==
jlk :&85> J[Ds bl 3=5 cb{bns js `h Dj}ca 3:& =559,
Jijbls{ {an }ni~fj{`}r juu}`xjfs h`} lny m}jlcans bl ajlk& {an
Mjlg nqunc{s {` h~}{an} nqujlk {an m}jlca ln{y`}g mr j}`~lk :>5
m}jlcans mr O~ln 35& =551, K~}bli {an rnj}& {an Mjlg s{nuunk ~u
}n{jbf c~s{`dn} jc ~bsb{b`l yb{a knu`sb{ jcc`~l{s blc}njsbli h}`d
8,= dbffb`l {` 1,9 dbffb`l jlk {`{jf cj}ks bss~nk !knmb{ jlk c}nkb{
cj}ks" blc}njsbli h}`d 9 dbffb`l {` 2,= dbffb`l,
Yabfs{ c}nkb{ i}`y{a bl {an mjlgbli srs{nd sf`ynk k`yl {` jm`~{
==. h`} {an rnj} nlknk =559$51& {an Mjlgs ln{ jkxjlcns i}ny
mr 3>,:. yb{a }n{jbf jkxjlcns i}`ybli mr 31,8. jlk ya`fnsjfn
jkxjlcns i}`ybli mr 35.& bdufrbli j abian} dj}gn{ saj}n bl m`{a
snidnl{s,
an {}jlsjc{b`ljf mjlgbli m~sblnss jfs` }nibs{n}nk anjf{ar i}`y{a
Yb{a cjsa djljindnl{ x`f~dns blc}njsnk mr j}`~lk 15. jlk
{}jkn sn}xbcns x`f~dns mr j}`~lk ;5. `xn} {an u}nxb`~s rnj},
U`}{h`fb` ~jfb{r js h Dj}ca 3:& =551 }ndjblnk anjf{ar yb{a i}`ss
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=3
l`lun}h`}dbli jssn{s j{ :,3. jlk ln{ l`l$un}h`}dbli jssn{s j{
5,;. h {`{jf c~s{`dn} jssn{s, [an Mjlgs u}`xbsb`lbli u`fbcbns h`}
suncbhbc f`jl f`ss u}`xbsb`ls }ndjblnk abian} {ajl }ni~fj{`}r
}n ~b}ndnl{s,
[NCAL@F@IR ^SNK BL AKHC MJLG
Bl {an n}j `h if`mjfbzj{b`l njca jlk nxn}r snc{`} hjcnk {an s{bhh
c`dun{b{b`l h}`d {anb} }bxjfs, Jlk y`}fk jfs` c`lxn}{nk bl{` {an hfj{
h}`d {an if`mn, Jh{n} {an u`fbcr `h fbmn}jfbzj{b`l jlk ]MB blb{bj{bxns {`
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=;
{jgn {an s{nu h`} {an u}bxj{n snc{`} mjlgs& d`}n jlk d`}n cajlins
j}n {jgbli {an uj}{ bl{` b{, Jlk {an}n j}n c}nj{n c`dun{b{b`l mn{ynnl
{an u}bxj{n snc{`} mjlgs jlk u~mfbc snc{`} mjlg,
U}bxj{n snc{`} mjlgs j}n {`kjr ~snk {an fj{ns{ {ncal`f`ir h`} {an
kbhhn}nl{ {}jlsjc{b`l h kjr {` kjr mjlgbli fbhn, Js yn gl`y {aj{
Blh`}dj{b`l [ncal`f`ir ufjrs {an xb{jf }`fn bl {an njca jlk nxn}r
blk~s{}bns jlk ibxns {an `u{bd~d }n{~}l h}`d {an fbdb{nk }ns`~}cns,
Mjlgs j}n sn}xbcn blk~s{}bns jlk {`kjr B[ ibxns {an bll`xj{bxn
[ncal`f`ir juufbcj{b`l {` Mjlgbli blk~s{}bns, AKHC MJLG bs {an
fnjkn} bl {an blk~s{}bns jlk {`kjr B[ jlk AKHC MJLG {`in{an}
c`dmblnk {anr }njcank {an sgr, Lny {ncal`f`ir cajlink {an dblk `h
{an c~s{`dn}s jlk cajlink {an ~n~n c`lcnu{ h}`d {an abs{`}r
mjlgbli {}jlsjc{b`l, [ kjr {an}n j}n kbhhn}nl{ cajllnfs j}n jxjbfjmfn
h`} {an mjlgbli {}jlsjc{b`ls,
Yn cjl snn {aj{ {an a`y {ncal`f`ir ibxns {an mns{ }ns~f{s bl {an
mnf`y kbji}jd, [an}n j}n k}js{bcjffr cajlins snnl bl {an ~sn `h
Bl{n}ln{ mjlgbli& bl j rnj} =55: !=." jlk bl {an rnj} =551 ! =>.",
[ansn {run `h {ncal`f`ir ibxns {an h}nnk`d {` }n{jbf c~s{`dn}s,
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=>
Cnl{}jfbznk U}`cnssbli lb{s Kn}bxnk Nc`l`dbns `h Scjfn
Nfnc{}`lbc S{}jbia{ [a}`~iaU}`cnssbli
]nk~cnk [}jlsjc{b`l C`s{
Kj{j Yj}na`~sbli & C]D Bdu}`xn c`s{ nhhbcbnlcr&C}`ss snff
Bll`xj{bxn [ncal`f`irJuufbcj{b`l
U}`xbkn lny `} s~un}b`} u}`k~c{s
AKHC MJLG bs {an xn}r c`lsbs{nl{ ufjrn} bl {an Lny u}bxj{n snc{`}
mjlgs, Lny u}bxj{n snc{`} mjlgs {` yb{as{jlk {an c`dun{b{b`l h}`d
u~mfbc snc{`} mjlgs cjdn ~u yb{a bll`xj{bxn u}`k~c{s jlk s~un}b`}
sn}xbcn,
=55:
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=8
M}jlcans ;3.
J[D ;5.
Ua`ln Mjlgbli:;.Bl{n}ln{ =.
D`mbfn :.
=55>
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=9
M}jlcans :9.
J[D ;>.Ua`ln Mjlgbli :=.
Bl{n}ln{ =>.
D`mbfn :.
! . c~s{`dn} blb{bj{nk [}jlsjc{b`l mr Cajllnf "
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=1
AKHC MJLG U]@K^C[ JLK C^S[@DN]SNIDNL[S
UN]S@LJF MJLGBLI
F`jl U}`k~c{ Knu`sb{ U}`k~c{ Blxns{dnl{ ( Bls~}jlcn
J~{` F`jl F`jl Jijbls{
Snc~}b{r F`jl Jijbls{
U}`un}{r Un}s`ljf f`jl C}nkb{ cj}k =$yannfn} f`jl C`ddn}cbjf
xnabcfns hbljlcn A`dn f`jls ]n{jbf m~sblnss
mjlgbli [}jc{`} f`jl Y`}gbli Cjub{jf
Hbljlcn C`ls{}~c{b`l
Nz~budnl{
Hbljlcn Anjf{a Cj}n
Hbljlcn Nk~cj{b`l F`jl I`fk F`jl
Sjxbli j/c C~}}nl{ j/c Hbqnk knu`sb{ Kndj{ j/c Sjhn Knu`sb{
F`cgn}s
D~{~jf H~lk M`lks Gl`yfnkin Cnl{}n Bls~}jlcn Inln}jf jlk Anjf{a
Bls~}jlcn Nz~b{r jlk
Kn}bxj{bxns D~k}j I`fk Mj}
Cj}ks Ujrdnl{ Sn}xbcns Jccnss [ Mjlg
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=2
C}nkb{ Cj}k Knmb{ Cj}k
U}nujbk Cj}k
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
H`}nq Sn}xbcns$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
U}`k~c{ (Sn}xbcns
[}jkn Sn}xbcns H`}nq sn}xbcn
M}jlca F`cj{n} ]MB I~bknfblns
Ln{Sjhn Dn}cajl{
U}nujbk ]nhbff Mbffujr Xbsj Mbffujr Bls{jUjr Kb}nc{Ujr XbsjD`lnr
[}jlshn} nD`lbns
Nfnc{}`lbc H~lks
[}jlshn} @lfbln Ujrdnl{
`h Kb}nc{ [jq
Ln{Mjlgbli @lnXbny
Bls{jJfn}{D`mbfnMjlgbli J[D Ua`ln Mjlgbli Ndjbf S{j{ndnl{s M}jlca Ln{y`}g
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35
YA@FNSJFN MJLGBLI
C`}u`}j{n Sdjff jlk Dnkb~d
Nl{n}u}bsns
Hbljlcbjf Bls{b{~{b`ls
jlk [}~s{s H~lknk
Sn}xbcns L`l H~lknk
Sn}xbcns Xjf~n Jkknk
Sn}xbcns Bl{n}ln{
Mjlgbli
H~lknk Sn}xbcns L`l H~lknk
Sn}xbcns Suncbjfbznk
Sn}xbcns Xjf~n jkknk
sn}xbcns Bl{n}ln{ Mjlgbli
MJLGS Cfnj}bli S~m$
Dndmn}sabu ][IS
s~mdndmn}sabu H~lk [}jlshn} J[D [bn$~us C`}u`}j{n Sjfj}r j/c [jq C`ffnc{b`lHbljlcbjf Bls{b{~{b`ls
D~{~jf H~lks
S{`cg M}`gn}s
Bls~}jlcn C`dujlbns
C`dd`kb{bnsM~sblnss
[}~s{s
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3:
M^SBLNSS DBQ
[ {jf Knu`sb{s I}`ss Jkxjlcns Ln{ ]nxnl~n
]n{jbf Ya`fnsjfn
AKHC Mjlg bs j c`lsbs{nl{ ufjrn} bl {an u}bxj{n snc{`}
mjlg jlk ajxn j ynff mjfjlcnk u}`k~c{ jlk m~sblnss
dbq bl {an Blkbjl js ynff js `xn}snjs dj}gn{s,
C~s{`dn} snidnl{s !}n{jbf ( ya`fnsjfn" jcc`~l{ h`}
1;. `h Ln{ }nxnl~ns ! HR =551"
Abian} }n{jbf }nxnl~ns uj}{fr hhsn{ mr abian} un}j{bli
jlk c}nkb{ c`s{s,
N ~jffr ynff u`sb{b`lnk {` i}`y m`{a snidnl{s,,
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3=
L]B SN]XBCNS
Jcc`~l{s ( Knu`sb{s ]ndb{{jlcns ]~unn Sjxbli j/c ]~unn C~}}nl{ j/c ]~unn Hbqnk Knu`sb{s H`}nbil C~}}nlcr Knu`sb{s Jcc`~l{s h`} ]n{~}lbli
Blkbjls
L`}{a Jdn}bcj ^G N~}`un S`~{a Njs{ Jsbj Dbkkfn Njs{ Jh}bcj @{an}s
Z~bcg }ndb{BlkbjFblg
Can ~n F`cgM`q[nfni}juabc/ Yb}n [}jlshn}
H~lks [}jlshn} Can ~ns/KKs/[Cs
Blxns{dnl{ ( Bls~}jlcns F`jls
D~{~jf H~lks Bls~}jlcn U}bxj{n Mjlgbli U`}{h`fb` Blxns{dnl{
Scandn
A`dn F`jls F`jls Jijbls{ Snc~}b{bns F`jls Jijbls{ Knu`sb{s I`fk C}nkb{ Cj}k
Ujrdnl{ Sn}xbcns Jccnss [ Mjlg
Ln{Sjhn MbffUjr Bls{jUjr Kb}nc{Ujr Xbsj D`lnr @lfbln K`lj{b`l
Ln{Mjlgbli @lnXbny Bls{jJfn}{ J[D Ua`lnMjlgbli Ndjbf S{j{ndnl{s M}jlca Ln{y`}g
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33
M^SBLNSS S[]N[NIR
AKHC MJLG dbssb`l bs {` mn - j Y`}fk Cfjss Blkbjl Mjlg -&
mnlcadj}gbli {andsnfxns jijbls{ bl{n}lj{b`ljf s{jlkj}ks jlk mns{
u}jc{bcns bl {n}ds `h u}`k~c{ `hhn}blis& {ncal`f`ir& sn}xbcn fnxnfs&
}bsg djljindnl{ jlk j~kb{ ( c`dufbjlcn, [an `monc{bxn bs {` m~bfk
s`~lk c~s{`dn} h}jlcabsns jc}`ss kbs{blc{ m~sblnssns s` js {` mn j
u}nhn}}nk u}`xbkn} `h mjlgbli sn}xbcns h`} {j}in{ }n{jbf jlk ya`fnsjfn
c~s{`dn} snidnl{s& jlk {` jcabnxn j anjf{ar i}`y{a bl u}`hb{jmbfb{r&
c`lsbs{nl{ yb{a {an Mjlg)s }bsg juun{b{n, Mjlg bs c`ddb{{nk {` k` {abs
yabfn nls~}bli {an abians{ fnxnfs `h n{abcjf s{jlkj}ks& u}`hnssb`ljf
bl{ni}b{r& c`}u`}j{n i`xn}ljlcn jlk }ni~fj{`}r c`dufbjlcn, C`l{bl~n
{` knxnf`u lny u}`k~c{ jlk {ncal`f`ir bs {an djbl m~sblnss s{}j{nir
`h {an mjlg, Djbl{jbl i``k }nfj{b`l yb{a {an c~s{`dn}s bs {an djbl
jlk u}bdn `monc{bxn `h {an mjlg,
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3;
AKHC MJLG m~sblnss s{}j{nir nduajsbzns {an h`ff`ybli?
Blc}njsn dj}gn{ saj}n bl Blkbjs nqujlkbli mjlgbli jlk
hbljlcbjf sn}xbcns blk~s{}r mr h`ff`ybli j kbscbufblnk i}`y{a
s{}j{nir h`c~sbli l ~jfb{r jlk l`{ `l ~jl{b{r jlk knfbxn}bli
abia ~jfb{r c~s{`dn} sn}xbcn,
Fnxn}jin `~} {ncal`f`ir ufj{h`}d jlk `unl scjfnjmfn srs{nds
{` knfbxn} d`}n u}`k~c{s {` d`}n c~s{`dn}s jlk {` c`l{}`f`un}j{bli c`s{s,
Djbl{jbl c~}}nl{ abia s{jlkj}ks h`} jssn{ ~jfb{r {a}`~ia
kbscbufblnk c}nkb{ }bsg djljindnl{,
Knxnf`u bll`xj{bxn u}`k~c{s jlk sn}xbcns {aj{ j{{}jc{ {an
{j}in{nk c~s{`dn}s jlk jkk}nss blnhhbcbnlcbns bl {an Blkbjl
hbljlcbjf snc{`},
C`l{bl~n {` knxnf`u u}`k~c{s jlk sn}xbcns {aj{ }nk~cn mjlgs
c`s{ `h h~lks,
H`c~s `l abia nj}lblis i}`y{a yb{a f`y x`fj{bfb{r,
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3>
BLSBKN AKHC MJLG
HBXN S & UJ][ @H GJB_NL
Y@]G UFJCN []JLSH@]DJ[B@L
H`c~s `l nhhnc{bxn y`}g ufjcn `}ijlbzj{b`l
Mnfbnxn bl
Sdjff cajlins fnjk {` fj}in bdu}`xndnl{
Nxn}r s~ccnssh~f `}ijlbzj{b`l ajxn {anb} `yl s{}j{nir {` ybl {an
}jcn bl {an c`dun{b{bxn dj}gn{, [anr ~sn s`dn {ncalb ~n jlk
dn{a`k`f`ir h`} sd``{a }~llbli `h m~sblnss, AKHC MJLG jfs`
j ~b}nk {an Ojujlnsn {ncalb ~n h`} sd``{a }~llbli h y`}g jlk
nhhnc{bxn y`}g ufjcn `}ijlbzj{b`l,
Hbxn S Uj}{ `h Gjbznl bs {an {ncalb ~n yabca bs ~snk bl {an mjlg
H`} njsr jlk srs{ndj{bc y`}g ufjcn jlk nfbdblj{bli ~llncnssj}r
{ablis h}`d {an y`}g ufjcn,
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38
MNLNHB[ @H HBXN S
B{ cjl mn s{j}{nk bddnkbj{nfr, Nxn}r `ln ajs {` uj}{bcbuj{n, Hbxn S bs jl nl{b}nfr un`ufn k}bxnl blb{bj{bxns, M}blis bl c`lcnu{ h `yln}sabu, Jff yjs{jin j}n djkn xbsbmfn,
HBXN S Dnjls ?$
S$: S@][ SNB]BS$= SRS[NDJ[B_N SNB[@LS$3 SUBC$L$SUJL SNB]@S$; S[JLKJ]KB_N SNBGN[S^S$> S^S[JBL SAB[S^GN
!:" S@][ ?$
B{ h`c~s `l nfbdblj{bli ~llncnssj}r b{nds h}`d {an y`}g ufjcn,
B{ bs nqcnffnl{ yjr {` h}nn ~u xjf~jmfn hf``} sujcn,
B{ sni}nij{n b{nds js un} }n ~b}n jlk yjl{nk,
H}nz~nl{fr]nz~b}nk
FnssH}nz~nl{fr]nz~b}nk]nd`xn
nxn}r{abli h}`dy`}gufjcn
Yjl{nk m~{l`{ ]nz~b}nk O~lg
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39
!=" SRS[NDJ[B_N ?$
Srs{ndj{bzn bs h`c~s `l nhhbcbnl{ jlk nhhnc{bxn S{`}jin dn{a`k,
[aj{ dnjls b{ bknl{bhr& `}ijlbzn jlk j}}jlin }n{}bnxjf,
B{ fj}infr h`c~s l i``k fjmnfbli jlk bknl{bhbcj{b`l u}jc{bcns,
@monc{bxn ?$ J ufjcn h`} nxn}r{abli jlk nxn}r{abli bl b{s ufjcn,
!3" SUBC$ l $ SUJL ?$
Subc$l$Sujl h`c~sns l }ni~fj} cfnj}bli jlk snfh
blsunc{b`l, B{ m}blis bl {an snlsn h yln}sabu,
!;" S[JLKN]KB_N ?$
B{ h`c~s l sbdufbhbcj{b l jlk s{jlkj}kbzj{b`l, B{ blx`fxn s{jlkj}k
}~fns jlk u`fbcbns, B{ ns{jmfbsa cancgfbs{ {` hjcbfb{j{ns j~{`l`d`~s
djbl{nljlcn h y`}gufjcn, B{ jssbil }nsu`lsbmbfb{r h`} k`bli
xj}b`~s o`ms jlk kncbkn `l Hbxn S h}n ~nlcr,
!>" S^S[JBL?$
B{ h`c~sns `l knhblbli j lny s{j{~s jlk s{jlkj}k `h
`}ijlbznk y`}g ufjcn, S~s{jbl dnjls }ni~fj} {}jblbli {` djbl{jbl
s{jlkj}ks knxnf`unk ~lkn} S$;, B{ m}blis bl snfh$ kbscbufbln jlk
c`ddb{dnl{ {`yj}ks y`}gufjcn `}ijlbzj{b`l,
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31
FJMNFFBLI @L HBFN
HBFN L^DMN]
S^MONC[
H]@D KJ[N
[@ KJ[N
@YLN]
M@Q FJMNF
H`} Nqjdufn
: / 3 / J / 8
: Y`}g S{j{b`l !:"
3 K}jyn} !3"
J $ Sanfh !J"
8 Hbfn L~dmn} ! 8"
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32
C@F@^] C@KBLI @H HBFNS
KNUJ][DNL[
Ynfc`dn Knsg
Un}s`ljf Mjlgn}
[nffn}
]nfj{b`lsabu Djljin}
M}jlca Djljin}
Kndj{
@{an}s
Bl {an AKHC MJLG njca knuj}{dnl{ ajs {anb} kbhhn}nl{ c`f`} c`kbli
juufr `l {an kbhhn}nl{ hbfn, K~n {` {abs nxn}r`ln jyj}n jm`~{ {anb}
uj}{bc~fj} c`f`} hbfn yabca bs c`kbli `l b{ jlk {anr sjxn {anb} xjf~jmfn
{bdn, B{ bs j uj}{ `h Gjbznl jlk jfs` blcf~knk bl {an srs{nd `h {an Hbxn
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;5
S, F`ibc mnablk b{ {aj{ & {an c`f`} c`kbli j}n jfyjrs kbhhn}nl{bj{n {an
{ablis h}`d {an sbdbfj} ln,
A^DJL ]NS@^]CNS
[an Mjlgs s{jhhbli lnnks c`l{bl~nk {` blc}njsn k~}bli {an rnj}
uj}{bc~fj}fr bl {an }n{jbf mjlgbli m~sblnssns bl fbln yb{a {an m~sblnss
i}`y{a, [ {jf l~dmn} `h nduf`rnns blc}njsnk h}`d :;191 js `h
Dj}ca3:&=558 {` =:;99 js `h Dj}ca 3:& =559, [an Mjlg c`l{bl~ns {`
h`c~s `l {}jblbli b{s nduf`rnns `l j c`l{bl~bli mjsbs& m`{a `l {an o`m
jlk {a}`~ia {}jblbli u}`i}jds c`lk~c{nk mr bl{n}ljf jlk nq{n}ljf
hjc~f{r,
[an Mjlg ajs c`lsbs{nl{fr mnfbnxnk {aj{ m}`jkn} nduf`rnn yln}sabu
`h b{s saj}ns ajs j u`sb{bxn bdujc{ `l b{s un}h`}djlcn jlk nduf`rnn
d`{bxj{b`l, [an Mjlgs nduf`rnn s{`cg `u{b`l scandn s` hj} c`xn}s
j}`~lk 2555 nduf`rnns,
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;:
]^UNN NJ]LNK $ ]^UNN SUNL[
B{ bs d`}n bdu`}{jl{ h`} nxn}r `}ijlbzj{b`l {` gl`y jm`~{ h}`d yan}n
jlk yan}n {` sunl{ d`lnr, Jlk mjfjlcnk mn{ynnl {ansn {y` {ablis
}~unn nj}lnk jlk }~unn sunl{ j}n }n ~b}nk h`} sd``{a }~llbli `h
m~sblnss jlk hbljlcbjf s`~lklnss, [abs {run `h yj{ca cjl c`l{}`f
jlk nfbdblj{n {an ~llncnssj}r sunlkbli `h m~sblnss, Bl {abs kbji}jd
b{ blcf~kn m`{a {ablis h}`d yan}n Mjlg nj}lnk ]~unn jlk yan}n {`
sunl{,
8/9/2019 Merketing Project on HDFC
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;=
AKHC MJLG nj}lnk h}`d {an Bl{n}ns{ h}`d Jkxjlcns >:,:; . &
Bl{n}ns{ h}`d Blxns{dnl{ =9,:= .& mjlg nj}lnk c`ddbssb`l
nqcajlin jlk m}`gn}jin `h :>,=> ., [ansn j}n {an djo`} nj}lbli
s`~}cns h {an mjlg, Mjlg jfs` nj}lnk h}`d {an H`}nq jlk
Kn}bxj{bxns jlk s`dn `{an} Bl{n}ns{ Blc`dn,
Mjlg sunl{ 32,9> . `l Bl{n}ns{ Nqunlsn& 35,=9 . `l @un}j{bli
Nqunlsn jlk :;,>1 . `l U}`xbsb`l, Mjlg jfs` sunl{ Kbxbknlk jlk
[jq `l kbxbknlk& F`ss `l Blxns{dnl{ & [jq,
Js yn kbsc~ss jm`xn {aj{ mjfjlcbli bs d~s{ mn{ynnl {ansn {y` h`}
nxn}r }ijlbzj{b`l nsuncbjffr bl {an n}j h if`mjfbzj{b`l yan}n {an}n
j}n s{bhh c`dun{b{b`l jd`li xj}b`~s dj}gn{ ufjrn}s,
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;3
]NCNL[ KNXNF@UDNL[
[an ]nsn}xn Mjlg `h Blkbj ajs juu}`xnk {an scandn `h
jdjfijdj{b`l `h Cnl{~}b`l Mjlg `h U~lojm F{k, yb{a AKHC Mjlg
F{k, yb{a nhhnc{ h}`d Djr =3& =551,
Jff {an m}jlcans `h Cnl{~}b`l Mjlg `h U~lojm ybff h~lc{b`l js
m}jlcans `h AKHC Mjlg yb{a nhhnc{ h}`d Djr =3& =551, Yb{a ]MBs
juu}`xjf& jff }n ~bsb{n s{j{~{`}r jlk }ni~fj{`}r juu}`xjfs h`} {an
dn}in} ajxn mnnl `m{jblnk,
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;;
[an c`dmblnk nl{b{r y`~fk ajxn j lj{b`lybkn ln{y`}g `h ::89
m}jlcans7 j s{}`li knu`sb{ mjsn `h j}`~lk ]s,:&==&555 c}`}ns jlk
ln{ jkxjlcns `h j}`~lk ]s,12&555 c}`}ns, [an mjfjlcn sann{ sbzn `h
{an c`dmblnk nl{b{r y`~fk mn `xn} ]s,:&83&555 c}`}ns,
Dn}in} yb{a Cnl{~}b`l Mjlg `h U~lojm Fbdb{nk
@l Dj}ca =9& =551& {an saj}na`fkn}s `h {an Mjlg jcc`}knk {anb}
c`lsnl{ {` j scandn `h jdjfijdj{b`l `h Cnl{~}b`l Mjlg `h U~lojm
Fbdb{nk yb{a AKHC Mjlg Fbdb{nk, [an saj}na`fkn}s `h {an Mjlg
juu}`xnk {an bss~jlcn `h `ln n ~b{r saj}n `h ]s,:5/$ njca `h AKHC
Mjlg Fbdb{nk h`} nxn}r =2 n ~b{r saj}ns `h ]n, :/$ njca anfk bl
Cnl{~}b`l Mjlg `h U~lojm Fbdb{nk, [abs bs s~monc{ {` }ncnbu{ `h
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;>
Juu}`xjfs h}`d {an ]nsn}xn Mjlg `h Blkbj& s{`cg nqcajlins jlk
@{an} }n ~bsb{n s{j{~{`}r jlk }ni~fj{`}r j~{a`}b{bns, [an saj}na`fkn}s
Jfs` jcc`}knk {anb} c`lsnl{ {` bss~n n ~b{r saj}ns jlk/`} yj}}jl{s
c`lxn}{bmfn bl{` n ~b{r saj}ns j{ {an }j{n `h ]s,:&>35,:3 njca {`
AKHC Fbdb{nk jlk/`} `{an} u}`d`{n} i}`~u c`dujlbns `l u}nhn}nl{bjf mjsbs& s~monc{ {` hbljf }ni~fj{`}r juu}`xjfs bl {abs }nij}k, [an
Saj}na`fkn}s `h {an Mjlg ajxn jfs` juu}`xnk jl blc}njsn bl {an
j~{a`}bznk cjub{jf h}`d ]s,;>5 c}`}ns {` ]s,>>5 c}`}ns,
8/9/2019 Merketing Project on HDFC
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;8
U}`d`{nk bl :22> mr A`~sbli Knxnf`udnl{ Hbljlcn C`}u`}j{b`l!AKHC"& Blkbj)s fnjkbli a`~sbli hbljlcn c`dujlr& AKHC Mjlg bs `ln
`h Blkbj)s u}ndbn} mjlgs u}`xbkbli j ybkn }jlin h hbljlcbjf u}`k~c{s
jlk sn}xbcns {` b{s `xn} :: dbffb`l c~s{`dn}s jc}`ss a~lk}nks `h
Blkbjl cb{bns ~sbli d~f{bufn kbs{}bm~{b`l cajllnfs blcf~kbli j ujl$Blkbj
ln{y`}g `h m}jlcans& J[Ds& ua`ln mjlgbli& ln{ mjlgbli jlk d`mbfn
mjlgbli, Yb{abl j }nfj{bxnfr sa`}{ sujl `h {bdn& {an mjlg ajs ndn}ink
js j fnjkbli ufjrn} bl }n{jbf mjlgbli& ya`fnsjfn mjlgbli& jlk {}njs~}r
`un}j{b`ls& b{s {a}nn u}blcbujf m~sblnss snidnl{s,
[an mjlg)s c`dun{b{bxn s{}nli{a cfnj}fr fbns bl {an ~sn `h {ncal`f`ir
jlk {an jmbfb{r {` knfbxn} y`}fk$cfjss sn}xbcn yb{a }jubk }nsu`lsn {bdn,
@xn} {an fjs{ :3 rnj}s& {an mjlg ajs s~ccnssh~ffr ijblnk dj}gn{
saj}n bl b{s {j}in{ c~s{`dn} h}jlcabsns yabfn djbl{jblbli anjf{ar
u}`hb{jmbfb{r jlk jssn{ ~jfb{r,
Js `l Dj}ca 3:& =551& {an Mjlg ajk j ln{y`}g `h 98: m}jlcans jlk
:&299 J[Ds bl 3=9 cb{bns, H`} {an rnj} nlknk Dj}ca 3:& =551& {an
8/9/2019 Merketing Project on HDFC
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;9
Mjlg }nu`}{nk j ln{ u}`hb{ `h BL] :>,25 mbffb`l !]s,:>25,=c}`}n"&
~u 32,3.& `xn} {an c`}}nsu`lkbli rnj} nlknk Dj}ca 3:& =559,
Js `h Dj}ca 3:& =551 {`{jf knu`sb{s yn}n BL] :559,82 mbffb l&
!]s,:55&982 c}`}n" ~u ;9,>. `xn} {an c`}}nsu`lkbli rnj} nlknk
Dj}ca 3:& =559, [`{jf mjfjlcn sann{ sbzn {`` i}ny mr ;8,5. {` BL]
:&33:,99 mbffb`l !:33:99 c}`}n", Fnjkbli Blkbjl jlk bl{n}lj{b`ljf
U~mfbcj{b`ls ajxn }nc`ilbznk {an mjlg h`} b{s un}h`}djlcn jlk
~jfb{r,
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;1
Cnl{~}b`l Mjlg `h U~lojm bs `ln `h {an fnjkbli lny inln}j{b`l
u}bxj{n snc{`} mjlgs bl Blkbj, [an mjlg sn}xns blkbxbk~jf c`ls~dn}s& sdjff jlk dnkb~d m~sblnssns jlk fj}in c`}u`}j{b`ls yb{a j h~ff
}jlin h hbljlcbjf u}`k~c{s jlk sn}xbcns h`} blxns{bli& fnlkbli jlk
jkxbcn `l hbljlcbjf ufjllbli, [an mjlg `hhn}s b{s c~s{`dn}s jl j}}jr
`h ynjf{a djljindnl{ u}`k~c{s s~ca js d~{~jf h~lks& fbhn jlk
inln}jf bls~}jlcn jlk ajs ns{jmfbsank j fnjkn}sabu )u`sb{b`l),
[an mjlg bs jfs` j s{}`li ufjrn} bl h`}nbil nqcajlin sn}xbcns&
un}s`ljf f`jls& d`}{ijins jlk ji}bc~f{~}jf f`jls,
Jkkb{b`ljffr {an mjlg `hhn}s j h~ff s~b{n `h L]B mjlgbli u}`k~c{s {`
@xn}snjs Blkbjls, @l =2{a J~i~s{ =559& Cnl{~}b`l Mjlg `h U~lojm
dn}ink yb{a F`}k G}bsalj Mjlg !FGM"& u`s{ `m{jblbli jff }n ~bsb{n
s{j{~{`}r jlk }ni~fj{`}r juu}`xjfs, [abs dn}in} ajs h~}{an}
s{}nli{anlnk {an in`i}juabcjf }njca `h {an Mjlg bl djo`} {`yls jlk
cb{bns jc}`ss {an c`~l{}r& nsuncbjffr bl {an S{j{n `h Gn}jfj& bl jkkb{b`l
{` b{s nqbs{bli k`dbljlcn bl {an l`}{an}l uj}{ `h {an c`~l{}r,
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;2
Cnl{~}b`l Mjlg `h U~lojm l`y `un}j{ns `l j s{}`li lj{b`lybkn
h}jlcabsn `h ;5; m}jlcans jlk ;>= J[Ds bl :25 f`cj{b`ls jc}`ss {an
c`~l{}r& s~uu`}{nk mr nduf`rnn mjsn `h `xn} 9&>55 nduf`rnns,
Bl jkkb{b`l {` mnbli fbs{nk `l {an djo`} Blkbjl s{`cg nqcajlins&
{an Mjlgs saj}ns j}n jfs` fbs{nk `l {an F~qndm`~}i S{`cg
Nqcajlin,
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>5
JCABNXNDNL[ BL =559
M~sblnss [ kjr$D`lb{`} I}`~us~}xnr
@ln `h Blkbj)s - D`s{ Bll`xj{bxn C`dujlbns -
Hbljlcbjf Nqu}nss$N}ls{ ( R ~liJyj}k
Mns{ Mjlg Jyj}k bl {an U}bxj{n Snc{`} cj{ni`}r
If`mjf A] Nqcnffnlcn Jyj}ks$ Jsbj Ujcbhbc A]DC`li}nss?
)Nduf`rn} M}jlk `h {an Rnj} =559 $=551) Jyj}k $ Hb}s{ ]~lln} ~u& ( djlr d`}n
M~sblnss [`kjr )Mns{ Mjlg) Jyj}k
K~l ( M}jks{}nn{ Jdn}bcjl Nqu}nssC`}u`}j{n Mns{Mjlg Jyj}k =559
)C`}u`}j{n Mns{ Mjlg) Jyj}k
[an M`dmjr S{`cg Nqcajlin jlk
Ljssc`dH`~lkj{b`l)sM~sblnss h`} S`cbjf]nsu`lsbmbfb{rJyj}ks =559
)Mns{ C`}u`}j{n S`cbjf ]nsu`lsbmbfb{rU}jc{bcn) Jyj}k
@~{f``g D lnr ( LK[X U}`hb{
Mns{ Mjlg Jyj}k bl {an U}bxj{n snc{`} cj{ni`}r,
[an Jsbjl Mjlgn} Mns{ ]n{jbf Mjlg bl Blkbj
http://www.hdfcbank.com/aboutus/awards/default.htm##http://www.hdfcbank.com/aboutus/awards/default.htm##http://www.hdfcbank.com/aboutus/awards/default.htm##http://www.hdfcbank.com/aboutus/awards/dun_awards_07.HTMhttp://www.hdfcbank.com/aboutus/awards/default.htm##http://www.hdfcbank.com/aboutus/awards/default.htm##http://openwindow%28%22/common/bestbank07.htm%22,%22%22,%22width=640,height=450,scrollbars=yes%20,menubar=no,location=no,left=0,top=0%22)http://www.hdfcbank.com/aboutus/awards/default.htm##http://www.hdfcbank.com/aboutus/awards/default.htm##http://www.hdfcbank.com/aboutus/awards/default.htm##http://www.hdfcbank.com/aboutus/awards/dun_awards_07.HTMhttp://www.hdfcbank.com/aboutus/awards/default.htm##http://www.hdfcbank.com/aboutus/awards/default.htm##http://openwindow%28%22/common/bestbank07.htm%22,%22%22,%22width=640,height=450,scrollbars=yes%20,menubar=no,location=no,left=0,top=0%22)8/9/2019 Merketing Project on HDFC
51/65
>:
Nqcnffnlcn bl ]n{jbfHbljlcbjf Sn}xbcnsJyj}ks
Jsbjl Mjlgn} AKHC MJLG Djljibli Kb}nc{`} Jkb{rj U~}b ybls {an Fnjkn}sabu Jcabnxndnl{ Jyj}k h`} Blkbj
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52/65
>=
SY@[ JLJFRSBS
S[]NLI[A
]bia{ s{}j{nir h`} {an
}bia{ u}`k~c{s,
S~un}b`} c~s{`dn}
sn}xbcn xs, c`dun{b{`}s,
I}nj{ M}jlk Bdjin
U}`k~c{s ajxn }n ~b}nk
jcc}nkb{j{b`ls,
Abia kni}nn `h c~s{`dn}
sj{bshjc{b`l,
I``k ufjcn {` y`}g
F`yn} }nsu`lsn {bdn
yb{a nhhbcbnl{ jlk
nhhnc{bxn sn}xbcn,
Knkbcj{nk y`}gh`}cnjbdbli j{ djgbli j
f`li${n}d cj}nn} bl{an hbnfk,
YNJGLNSSNS
S`dn ijus bl }jlin h`}
cn}{jbl snc{`}s,
C~s{`dn} sn}xbcn s{jhh lnnk
{}jblbli,
U}`cnssns jlk srs{nds& n{c
Djljindnl{ c`xn}
bls~hhbcbnl{,
Snc{`}jf i}`y{a bsc`ls{}jblnk mr f`y~lnduf`rdnl{ fnxnfs jlkc`dun{b{b`l h`} s{jhh
8/9/2019 Merketing Project on HDFC
53/65
>3
@uu`}{~lb{bns
U}`hb{ dj}ibls ybff mn i``k,
C`~fk nq{nlk {` `xn}snjs
m}`jkfr,
Lny suncbjfbs{ juufbcj{b`ls,
C`~fk snng mn{{n} c~s{`dn} knjfs ,
Hjs{${}jcg cj}nn}
knxnf`udnl{ `uu`}{~lb{bns
`l jl blk~s{}r$ybkn mjsbs,
Jl juufbnk }nsnj}ca cnl{}n{` c}nj{n uu`}{~lb{bns h`} knxnf`ubli {ncalb ~ns {`u}`xbkn jkknk$xjf~nsn}xbcns,
[a}nj{s
Fnibsfj{b`l c`~fk bdujc{,
I}nj{ }bsg blx`fxnk
Xn}r abia c`dun{b{b`l
u}nxjbfbli bl {an blk~s{}r,
X~fln}jmfn {` }njc{bxn
j{{jcg mr djo`} c`dun{b{`}s Fjcg `h blh}js{}~c{~}n bl
}~}jf j}njs c`~fk c`ls{}jbl
blxns{dnl{,
Abia x`f~dn/f`y c`s{
dj}gn{ bs bl{nlsnfrc`dun{b{bxn,
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83
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