Our Businesses
Range of services across wholesale, corporate and retail
Our Business Segments
HDFC Bank caters to a wide range of banking services covering commercial and investment banking on the wholesale side and transactional / branch banking on the retail side. The bank has three key business segments:
Retail Banking
| HDFC Bank's Retail business is targeted at individuals, salaried professionals, micro and small businesses, such as kirana stores, Self Help Groups (SHGs), and Non-Resident Indians (NRIs). The Bank caters to this segment by customising its products and services. It enjoys a strong position in the Auto Loan and Personal Loan businesses and a leadership position in the Payments business. The Bank also offers Wealth Management Services to High Networth Individuals (HNI). |
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Home Loan/Mortgages Business
Post the merger with HDFC Limited, HDFC Bank has secured a strong home finance brand. HDFC Limited was a pioneer in the Housing Loan Finance market in India and over the years built a strong brand equity. While the Bank has been sourcing loans on behalf of HDFC Limited, it now offers a wide range of housing loans to cater to the varied needs of customers across income brackets. These include loans to individual borrowers, salaried persons, working professionals as well as the self-employed. |
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| Housing Loans
Other Home Loan Products
Other Loans
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Wholesale/Corporate Banking
The target segment for this business is large corporates, PSUs, Government, and multinational corporations. For these customers, the Bank provides a wide range of commercial and transactional banking services, including working capital finance, trade services, transactional services, and cash management. The Bank is also a leading provider of structured solutions, which combine cash management services with vendor and distributor finance for facilitating superior supply chain management for its corporate customers. Based on its superior product delivery, service levels and strong customer orientation, the Bank has made significant inroads into the banking consortia of a number of leading corporates. It is recognised as a leading provider of cash management and transactional banking solutions to corporate customers, mutual funds, stock exchange members and banks. The Investment Banking business helps companies raise capital through the Debt Capital Markets and Equity Capital Markets and offer rupee loan syndication services. It also offers advisory services to its clients. |
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Commercial and Rural Banking (CRB)
| The Bank's Commercial and Rural Banking (CRB) Group was set up in Financial Year 20-21 and has been identified as a growth engine. Its target customer segment is Micro, Small and Medium Enterprises (MSMEs), emerging corporates, commercial agriculture, small and marginal farmers, healthcare finance, equipment finance and commercial transport companies. All these businesses have a strong presence in the Semi Urban and Rural (SURU) locations where the Bank has about half its branches. This vertical is also important as its disbursals help the Bank in meeting a large part of the Priority Sector Lending requirements. |
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Treasury
| The Treasury is the custodian of the Bank’s cash/liquid assets and manages its investments in securities and other market instruments. It manages the liquidity and interest rate risks on the balance sheet and is also responsible for meeting statutory reserve requirements. The Treasury earns a fee income from transactions that customers undertake with the Bank, while managing their foreign exchange and interest rate risks. |
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