1. Banking Segmentation
- Shreyas jani

2. Product Segmentation of
HDFC Bank

3. HDFC Bank
HDFC Bank Limited (the Bank) is a holding company. The Bank offers a range of banking services covering commercial and investment banking on the wholesale side and transactional/branch banking on the retail side. It also offers financial services. The Bank’s segments include Treasury, Retail banking, Wholesale banking and Other banking business.
The Treasury segment primarily consists of net interest earnings from the Bank’s investment portfolio, money market borrowing and lending, gains or losses on investment operations and on account of trading in foreign exchange and derivative contracts.
HDFC bank is sponsor of HDFC mutual fund which is the second largest mutual fund in India by Assert under management.
The Retail Banking segment serves retail customers through a branch network and other delivery channels, as well as through alternative delivery channels. The Bank provides its corporate and institutional clients a range of commercial and transactional banking products. The Other banking business segment includes income from para banking activities.

4. Product Segmentation of HDFC Bank (Primary)
Personal
NRI
SME
Wholesale

5. Product Segmentation of HDFC Bank (Personal Banking )
Accounts & Deposits
Deposits
Loans
Cards
Demat. Account
Investment Products
Insurance

6. Product Segmentation of HDFC Bank (Personal)
Accounts & Deposits
Savings Account
Salary Accounts
Current Accounts
Deposits
Loans
Personal Loan
Car Loans
Smart draft - Overdraft Against Salary
Loans Against Assets
Loan Against Securities
Loans Against Rental Receivables
Consumer Durable Loan
Cards
Credit Cards
Central Travel Account
Debit Cards
Demat Account
Investment Products
Insurance

7. Product Segmentation of HDFC Bank (NRI)
Savings Accounts
NRE Savings Account
NRO Savings Account
Current Accounts
NRE Current Account
NRO Current Account
Fixed Deposits
NRE Fixed Deposits
NRO Fixed Deposits
Offshore Accounts & Deposits
Investments Products
NRO Fixed Deposits
Offshore Accounts & Deposits
Investments
Mutual Funds
Portfolio Investment Schemes
Offshore Investments
Equities and Derivatives
Insurance
Loans
Home Loans
Loans Against Securities
Loan Against Fixed Deposits

8. Product Segmentation of HDFC Bank (SME)
Accounts & Deposits
Current Accounts
Salary Accounts
Saving Accounts
Deposits
Working Capital Finance
Turnover Less Than Equal To Rs 7.5 Crores
Turnover Greater Than Rs 7.5 Crores
Working capital for Contractors
Commercial / Construction Equipment Finance
Working Capital Finance to Transporters
Term Loan
Business Loan

9. Product Segmentation of HDFC Bank (SME) contd.
Loans for professionals
Loan Against Assets
Loan Against Securities
Loan Against Property
Loans Against Rental Receivables
Healthcare / Medical Equipment Finance
Commercial Vehicle Finance
Rural Loans
Retail Agri Loans
Tractor Loans
Agri Business Credit
Warehouse Receipt Loans
Remittance Services
Other Trade Services
Hedging Solutions - Forward Contract
Trade Services
Export Services
Import Services
Letters of credit & Bank Guarantees

10. Product Segmentation of HDFC Bank (SME) contd.
Payments & Collections
SmartHub for Merchants
Cash Management Services
Direct Pay Mode of Payment
Merchant Services
PayZapp for Business
Real Time Gross Settlement - RTGS
ENet
ECS Credit & Debit
Doorstep Banking
Tax Payments

11. Product Segmentation of HDFC Bank. (Wholesale) Corporates.
Large Corporates
Funded Services
Non Funded Services
Value Added Services
Vendor Finance
Internet Banking
Supply Chain Partners
Dealer Finance

12. Product Segmentation of HDFC Bank
Product Segmentation of HDFC Bank. (Wholesale) Financial Institutions & Trusts (Banks)
Clearing Sub-membership
DD/Cheques payable at par
Cheque Collection
Funds Transfer
Trade Finance Services
Corporate Salary Accounts
Tax Collection
Retail Distribution

13. Product Segmentation of HDFC Bank. (Wholesale) Mutual Funds.
Collection Services
Payment Services
Custodial Service
Funds Transfer
Money Market Desk
Debt Market
Services to Employee Trusts
Services to Cash Surplus Corporates
Tax Collection
Bankers to Rights/Public Issue

14. Product Segmentation of HDFC Bank. (Wholesale) Financial Institutions
India Link
Cash Management Services
Services to Cash Surplus Corporates
Tax Collection
Bankers to Rights/Public Issue
Forex Desk
Money Market Desk
Derivatives Desk
Custodial Service
Correspondent Banking

15. Product Segmentation of HDFC Bank. (Wholesale) Stock Brokers.
Clearing Settlement Bankers on Equity & Derivatives Segment
Professional Clearing Member of NSE Derivatives
Bank Guarantees
Loan Against Securities
Institutional Contract Funding
Structured Working Capital Funding
Loan against Govt. secs & other debt instruments
Cash Management Services
Corporate Salary Accounts
Mutual Funds Service System
Payment Gateway for e-Broking Ventures
Custodial Service
Retail accounts for broker clients
Netbanking Solutions

16. Product Segmentation of HDFC Bank. (Wholesale) Insurance Companies
Collection Services
Forex Desk
Money Market Desk
Derivatives Desk
Services to Employee Trusts
Custodial Service
Disbursement Services
Tax Collection

17. Product Segmentation of HDFC Bank. (Wholesale)Commodity Business
Commodity Exchange Business
Processors / Manufacturers
Market Participants (Commodity Traders & Brokers)
Farmers / Agriculturists
Tax Collection

18. Product Segmentation of HDFC Bank. (Wholesale)
Trusts
Custodial & Depository Services
Participation in RBI Auctions
SGL Maintenance
Government Sector
Investment Banking

19. Product Segmentation of
AXIS bank

20. AXIS Bank
Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses.
The Bank has a large footprint of 2904 domestic branches (including extension counters) and 12,743 ATMs spread across the country as on 31st March The overseas operations of the Bank are spread over nine international offices with branches at Singapore, Hong Kong, Dubai (at the DIFC), Colombo and Shanghai; representative offices at Dhaka, Dubai, Abu Dhabi and an overseas subsidiary at London, UK. The international offices focus on corporate lending, trade finance, syndication, investment banking and liability businesses.
Axis Bank is one of the first new generation private sector banks to have begun operations in The Bank was promoted in 1993, jointly by Specified Undertaking of Unit Trust of India (SUUTI) (then known as Unit Trust of India), Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd. The share holding of Unit Trust of India was subsequently transferred to SUUTI, an entity established in 2003.

21. Product Segmentation of AXIS Bank (Primary)
PERSONAL
Retail
NRI
Agri & Rural
BUSINESS

22. Product Segmentation of AXIS Bank (Personal)(Retail)
Accounts
Savings
Salary
Current
Deposits
Cards
Credit
Debit
Loans
Home Loans
Car loans
Secured Loans (LAP, LAS)
Education Loans
Forex
Investment
Insurance

23. Product Segmentation of AXIS Bank (Personal)(NRI)
Accounts
Inaam NRI Personal Account
NRE Savings Account
NRI Prime Savings Account
NRO Savings AccountResident
Foreign Currency Account
NRE Salary Account
Investments
Insurance
Deposits
Resident Foreign Currency Team Deposit
NRE Recurring Deposit
NRI-Pro Foreign Currency Deposit
NRO Rupee DepositNRE Rupee Deposit
NRO Recurring Deposit
NRI-Pro Rupee Deposit
Fixed Deposit Plus
Foreign Currency Non- Resident (FCNR) Deposit
Interest Rates on NRI Deposits

24. Product Segmentation of AXIS Bank (Personal)Rural and Agri
Accounts
Krishi Savings accounts
Krishi current accounts
Loans
Gold Loan
Loans for Horticulture Projects
Loans for Rural Godowns
Tractor Loans
Contract Farming
Warehouse Receipt Loans
Microfinance
Kisan Credit Card
Rural banking
Financial inclusion

25. Product Segmentation of AXIS Bank (Business)
Accounts
Cards
Capital Market services
Treasury services
Trade and forex services
Correspondent banking and FI services
Payment solutions
Collection solutions
Cash management services
Government Business Solutions
Card Acceptance Solution
Internet Payment Gateway Solutions
Merchant Online Solutions

26. Product Segmentation of AXIS Bank (Business) contd
Product Segmentation of AXIS Bank (Business) contd. (MSME AND CORPORATE FINANCING)
Corporate Loans  (Turnover > 150 Cr)
Working Capital Finance
Term Loans
Trade Services
Structured Finance
Supply Chain Management
Overseas Transactions
SME Loans (Small & Medium Entp.)(Turnover up to 150 Cr)
Customised Credit Services
Fast Track Products
Supply Chain Finance
Other Banking Services
Emerging Enterprise Loans (Turnover < 5 Cr)
Solutions for business

27. Product Segmentation of
ICICI Bank

28. ICICI BANK
ICICI Bank is India’s largest private sector bank with total assets of Rs. 7, billion (US$ 109 billion) at March 31, 2016 and profit after tax Rs billion (US$ 1,468 million) for the year ended March 31, ICICI Bank currently has a network of 4,450 Branches and 14,393 ATM’s across India.
ICICI is sponsor of ICICI prudential mutual fund which is largest mutual fund in India in terms of assert under management.
ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly-owned subsidiary.

29. Product Segmentation of ICICI Bank.
Personal
Privilege
Wealth Management
NRI
Corporate
Business

30. Product Segmentation of ICICI Bank.(Personal)
Acoounts and Deposits
Loans
Cards
Insurance
Investment
Agri & Rural Banking
Internet banking
Mobile Banking

31. Product Segmentation of ICICI Bank.(Privilege)
Accounts & Deposits
 -Titanium Privilege Savings Account
 -Gold Privilege Savings Account
 -Fixed Deposit
 -Recurring Deposits
 -Current Accounts
Ps. These are in addition to Personal segment.
-Family Banking
 -Credit and Debit Cards
 -Loans
 -Investments
 -Insurance
 -Value Added Services

32. Product Segmentation of ICICI Bank
Product Segmentation of ICICI Bank.(Wealth Management Products for Personal and Privelege)
-Funds & Investments
 -Insurance & Risk Protection
 -Investment Advice
 -Managing Your Investment
-Smart Vault
Banking Products
 -Credit Cards
 -Banking Services
 -Business Banking

33. Product Segmentation of ICICI Bank.(NRI)
Accounts
Loans
Investments
Insurance
Money Transfer

34. Product Segmentation of ICICI Bank.(Corporate)
Commercial Banking
General Banking
 Global Trade Services
 Cash Management Services
 Corporate Internet Banking
Global Markets
Forex Desk
 Derivatives Desk
 Remittances Through FX Channels
 Structured Products
 Collateralised Trading Services
 Treasury Research
 Bespoke Services
Investment Banking
 Mergers and Acquisitions Advisory Group (MAAG)
International Syndication Group
FI, Capital Markets and Custodial Services
Financial Institutions
 -Capital Markets
 -Custodial Services
Project Finance
Technology Finance

35. Product Segmentation of ICICI Bank.(Business)
Current account Products
Smart Business Account
 -Roaming Current Account
 -Trade Roaming Current Account
 -Chartered Accountant Current Account
 -Made2Order Account
Trade Services
Solutions for Importers
Solutions for Exporters
Solutions for Domestic Business
Customized Industry specific solution
Useful Trade Links
Treasury services
Research Reports
Bank Guarantee

36. Product Segmentation of ICICI Bank.(Business)Contd.
Advisory Services
Industry Specific Loans
Construction
Education Institutions
Pharmaceuticals
Information Technology

37. Refrences Data from the following websites was used in this project.
Ps. As many segments sub segments and channels are common minute details have been provided only for HDFC bank. In the interest of saving time and to avoid repetitiveness similar details have been avoided in respect of the other sample banks