How Radios Work :: radio

Radios are the most common wireless item in existence and are in most homes. We use them for entertainment, communication, as an development source, or even just back ground noise. For many of us radios are almost a necessity, but how much do we know just about how they function?Antennas are one of the key pieces to a radio. Antennas come in a variety of shapes and sizes they vary from large arrays to a small wire. Much of this difference is based on the broad use of radio waves and practicality for instance you wouldnt use an antenna from a small radio to send a signal to a satellite.Antennas work by creating a resonating flow of charge along its element. The resonance is caused by a magnetic field fluctuating through an inductance that is fixed to a capacitor. As a magnetic field fluctuates across a conductor it causes charges to move. This motion causes an electro magnetic wave.The relations between the electricity and magnetic force are explained by Maxwells equations. Maxwel ls equations are four equations that relate magnetic fields electric fields and charges and current.A radio wave is an electro magnetic wave. We modulate them victimization three different prosodys, frequency modulation, amplitude modulation, and pulse modulation, to carry information.For frequency modulation slight variances are made in the frequency of the wave to map out different bits of information. This is widely used because it is less likely to have static.For amplitude modulation the height or amplitude of the wave is changed to contain information. Amplitude modulation is not only used by radio stations but it is also used to send the picture part of television.Pulse modulation is where on that point are breaks in the wave to indicate the desired information. This is usually used for morse code but can be used for a hardly a(prenominal) other things as well. According to maxwells equations radio waves travel at the speed of light. The magnitude of a wave will decrease at a pace of r2. Where r is the distance from the origin. This is because the wave is propagates in all directions so the same amount of energy spreads out over a greater area. unless how can we get signals from beyond the horizon? Today we could use satellites, but you can also bounce a radio wave off of split of the upper atmosphere. This can be done because the sun ionizes levels of upper atmosphere.

The Role of Inspector Goole in in An Inspector Calls by J.B. Priestly E

The Role of Inspector Goole in An Inspector CallsExamine the role of Inspector Goole in An Inspector Calls & studythe impact his role has on the rest of the characters in the dissemble.Inspector Goole is the most important character in the play AnInspector Calls because he is the catalyst for the events that takeplace in the play. Priestleys intensions were to reveal to hisaudience the social state of England in 1945. He felt that little hadchanged since the turn of the century. Preistley was a socialist andhe very strongly believed that everyone should be equal. In this playPreistley shows to the audience that at this time it was Socialist vsCapitalist, and that everyone was separated in to social classes.These were working class, middle class and upper class. In the playthere is a character to fit into each one of these classesDaisy Renton / Eva Smith Lower classMr Birling, Eric and Sheila Middle ClassMrs Birling and Eric Upper classIn the play I think that Inspector Goole is P riestleys socialconscience. The play was written after World War 1 but was actually redress at the turn of the century (in 1912). Mr Birling thinks that heknows everything but infact what he says is a load of rubbish, suchasThe Titanic....unsikable,absolutely unsinkablewhere it sunk on its first journey. He also says there is no chance ofa war happeining, but a few years later he is once more proven wrong. MrBirling is a very shallow man.The physical description of Inspector Goole is very unique and revealsa lot about his character. The Inspector creates an essence ofmassiveness and this would be intimidating for the family. Priestlydescribes him as having solidity and ... ...spector,some more obvious than others. For example the way in which he talksto the family, the family dont conceptualize to be treated like this so theypanic and reveal to having conections with Eva or Daisy. His namecould also tell us that he is an imposter as its unspoiled like ghoulwhich is a ghost, in o thers words non existant. He has a very bigeffect on the family. Birling saysstill, I cant accept any responsibility.as he is scared of having his reputation disrupted, he would ratherhave his family take the blame. This shows he is a very selfish man.So I believe that Preistly shows his veiws through with(predicate) the characterinspector Goole, he is valuable in the play because he author explainhow he feels. He shows us about morality and morals. in that location has a goodvarity of characters in the play and the way the play slowlyprogresses is very good.

Improving Language Acquisition in Bilingual Children Essay -- learning

For most bilingual speakers, the English language is hard to navigate. Like an unknown street, not natural to them, they stumble to find the words to state what they want to register they trip over cracks of pronunciation, taking wrong turns over careless misuse, out of context phrasing, as they attempt to follow the rules of ambiguous signage open up by others. Uh, um, hmmm, how do you say? A long pause follows. The image that comes to mind is of a student scratching at their head, hesitating before finally delivering the right word. Its a matter of translating it to convey the correct meaning. Many bilingual speakers animadvert out a process of word sorting that allows them to think through their vocabularies, sort, and choose a word that sounds right and is easy to say. A significant amount of bilingual speakers make every effort to happen upon how to say pronunciations that do not always readily translate from their native language thus they struggle to express themselves c orrectly in everyday conversations. Today in the U.S., The Department of Education reports that 21% of school-age children between the ages of 5 and 17 speak a language other than English at home. Studies have shown that students that first learn to speak languages other than English often face neurolinguistic challenges, especially with the formation of organized thoughts for pronunciations and syntax. It is important that bilingual speakers in the U.S. become more comfortable and assured speaking English, but this can only be carried out and developed correctly if done at the right age and in the right environment. What makes for correct bilingual speakers? It all depends on timing. Widely acclaimed linguistic psychologists like Patricia K. Kuhl and Steven ... ...go College-Hill, 1984. 27-41. shanghai.Hatch, Evelyn M. Introduction A Perspective on Psycholinguistics. Psycholinguistics A Second Language Perspective. Rowley Newbury House, 1983. 1+. PrintHatch, Evelyn M. Phonology . Psycholinguistics A Second Language Perspective. Rowley Newbury House, 1983. 12+. PrintBadger, Emily. Where 60 Million People in the U.S. Dont Speak English at Home. The Atlantic Cities. The Atlantic Cities, 6 Aug. 2013. Web. 25 Nov. 2013.Kim, K. H., Relkin, N. R., Lee, K. M., & Hirsch, J. (1997). Distinct cortical areas asso- ciated with native and second languages. Nature, 388(6638), 1714.Fact Sheets Languages Spoken in the United States According to the 2000 U.S. Census. U.S. English. U.S. English, 200. Web. 26 Nov. 2013. Kuhl, Patricia. The Linguistic Genius of Babies. TEDTalks, Feb. 2011. Web. 17 Nov. 2013.

Great Expectations :: Great Expectations Essays

cracking ExpectationsCharles Dickens refreshed Great Expectations is a very enjoyable book for the reader for many reasons. Overall, Great Expectations is a novel that effectively depicts the emotions and feelings of the characters in the story and has a plot that maintains the readers interest. These elements, along with others help to make the novel appealing for the reader. When young boy by the name of Philip Pirrup (referred to a Pip by all that know him) encounters an escaped convict in a churchyard, he is extorted to get food and a file away for the man. Once Pip retrieves these items for the man, he learns that the man is in fact, an escaped convict. Pip, although being wholly seven at the time, was part of the group that apprehended the convict.For a some categorys following this event, Pip frequently visited extremely wealthy old women named Miss Havisham. In the process, he falls in love with the womans adopted daughter named Estella. She, however, despises him for b eing common and not a gentleman and she frequently puts him down and, on one occasion, causes him to cry. After about a year of providing company, she tells him not to visit her any more and pays him for his services.Soon after, Pip is told that his prior plans to be a blacksmith (he was apprenticed to his brother-in-law) were not to be and that he had come into Great Expectations. His benefactor was to remain a secret until the person revealed himself or herself, but Pip was certain that it was Miss Havisham. Pip was very happy not only because his untested wealth but also because he was certain that he was to marry Estella whom he still loved. Pip moved to London where he befriended his new tutors son and his guardians co-worker.Pip was quite shocked, however, when he found his benefactor to be not Miss Havisham, but preferably the same man who Pip helped to apprehend when he was a convict. Also his sister, who had raised him since his parents died when he was very young, had di ed due to an attack she had suffered months before. This devastated him in that he would no longer be wed to Estella. When he professed his love to her, he learned that she was to be married to a person whom he despised.Pip later discover that his benefactor, named Magwitch was the real father of Estella.

Comedy Newspaper Aricle about Smoking -- Spoof Joke Anti Smoking

A Smoking SpoofThe Daily SmokerFunded by the Institute for Smoking and Hacking and by the makers of FLEM Stay happy while we get rid of the nasty.The Smokers PerspectiveNicotine The Supreme Drug for Supreme HealthStaff Writer Jo The Butthead KhamelFor many years, anti-smoking groups, such as the American Cancer Association, and government agencies, like the Food and Drug Administration, have confused and mislead the public by incorrectly concluding that smoking is dreadful and unhealthy. Nonsense In fact, there are several articles that would support nicotine as a drug that promotes perfect health.For instance, and article by Doug Levy of the USA like a shot discusses nicotines power of promoting alertness. Nicotine speeds up the communication between brain cells and stimulates areas of the brain tied to alertness and memory. Mr. Levy overly writes about nicotines relationship toward Parkinsons disease. Levy also writes that cigarette smoking can lower the risk of Parkinsons dise ase. Researchers claim that something in smoke lowers the levels of an enzyme known as MAO B. Smokers have about 40% less MAO B than nonsmokers or ex-smokers, according to Joanna Fowler of the Brookhaven National Lab in Upton, NY. Because reduced levels of MAO B result in greater amounts of dopamine, smokers may have a lower risk of Parkinsons, a nerve disease aggravated by dopamine shortages.In a nonher article by the Associated cut in the USA Today, researchers suggested that cigarette smoking sharpens short-term learning and memory among young people. Researchers at the University of California, San Diego, tested young smokers and nonsmokers at a word juicy that required rapid memory and quick recall. The 12 electrodes attac... ...JR Renolds, Inc., and The Council for Smoking and Hacking Research.ReferencesBegley, S. Memories Are Made of.... Newsweek. November 4, 2007. 68.Associated Press. Research suggests smoking sharpens thinking. USA Today. November 19, 2007.Levy, D. Nico tines power on brain tied to smokers alertness. USA Today, August 8, 2007.......Smoking, lower Parkinsons risk linked. USA Today. August 8, 2007.Disclaimer The odd names (FLEM, Flip Moris, JR Renolds, Institute for Smoking and Hacking) are not real in any form. For certain purposes, those odd names are meant to be comical and should not be affiliated with actual tobacco institutions and companies. However, the cited references in the essay are reported facts found in newspapers and magazine articles. Jo The Butthead Khamel is not a real person. If it is, then the use was unintentional.

Humorous Wedding Speech by the Groom :: Wedding Toasts Roasts Speeches

Humorous Wedding Speech by the GroomThe groom has used the wedding date as a source for funny lines, comparing their marriage with celebrity couples for comic effect. While preparing this speech I thought it would be interesting to see if any(prenominal) celebrity couples had been married on the same day as us. Paul Simon and Carrie Fisher wed in 1983...and split up after 9 months. Oh dear. Also, bloody shame married Sean Penn on this day in 1985 and we all k at a time the outcome of that.Unlike the latter, while Lisa is Like A Virgin, I plan to Cherish her everlastingly and I am not afraid to Justify My Love. Theres always the Hanky Panky to look forward to. There are children present, so the less said about bind into the Groove the better.We have been together for nearly ten years, and its been the happiest decade of my life. We first got together at a Halloween party, where she was dressed up as a witchs claxon and I was dressed as a crazy axe murderer, I was instantly smitten with that kitten I can tell you. She stuck with me through my scabby student days, and shes even existenceaged to suffer living with me for five years. At home, were the perfect team - I mess up the house and she tidies. I dearly call her my Mrs. Mop.In 1998 I popped the question, so like Elviss toilet door Twenty-five years ago, weve been engaged for a long time. Today shes made me the happiest man on earth, shes my bride and joy. And I think youll all agree shes done a superb job organizing today almost single-handed.(Toast)Please link me and raise a glass to my beautiful bride. To the brideWed like to thank the bridesmaids for all their help in the preparation for today, and I think youll agree they look fantastic. We have some gifts for you. (Hand gifts to them and toasts)To the bridesmaids.Wed like to say a big thank you to our moms for all their love and support over the years. Youve both been really good to us. So please join us in a toast. To the moms.Big thanks to the best man, my dear brother. Im not sure I should give you the gift now with your speech pending. This man had the easiest job on the day, or perhaps he just made it look easy.

Humorous Wedding Speech by the Groom :: Wedding Toasts Roasts Speeches

Humorous Wedding Speech by the GroomThe organise has used the wedding date as a source for funny lines, comparing their marriage with celebrity couples for comic effect. While preparing this speech I approximation it would be interesting to see if any celebrity couples had been married on the same day as us. Paul Simon and Carrie Fisher wed in 1983...and breach up after 9 months. Oh dear. Also, Madonna married Sean Penn on this day in 1985 and we all know the outcome of that.Unlike the latter, while Lisa is Like A Virgin, I plan to Cherish her forever and I am not afraid to Justify My Love. Theres always the Hanky Panky to look forward to. There are children present, so the less said about Get into the Groove the better.We have been together for nearly ten years, and its been the happiest decade of my life. We first got together at a Halloween party, where she was polished up as a witchs cat and I was dressed as a crazy axe murderer, I was instantly smitten with that kitten I can tell you. She stuck with me through my scabby student days, and shes even managed to suffer living with me for five years. At home, were the perfect team - I muff up the house and she tidies. I affectionately call her my Mrs. Mop.In 1998 I popped the question, so like Elviss toilet door Twenty-five years ago, weve been engaged for a long time. Today shes made me the happiest man on earth, shes my bride and joy. And I think youll all apply shes done a superb job organizing today closely single-handed.(Toast)Please join me and raise a glass to my beautiful bride. To the brideWed like to thank the bridesmaids for all their help in the preparation for today, and I think youll agree they look fantastic. We have some gifts for you. (Hand gifts to them and toasts)To the bridesmaids.Wed like to say a big thank you to our moms for all their love and support over the years. Youve both been really good to us. So please join us in a toast. To the moms.Big thanks to the best man, my dear b rother. Im not reliable I should give you the gift now with your speech pending. This man had the easiest job on the day, or perhaps he just made it look easy.

Hdfc Bank Essay

The first modern swear was founded in Italy in Genoa in 1406, its name was Banco di San Giorgio ( chamfer of St. George). M whatso ever other pecuniary activities were added over time. For example entrusts ar important players in financial food markets and offer financial services such as investment station. In some countries such as Germany, commits ar the elemental owners of industrial corporations while in other countries such as the United States imprecates ar prohibited from owning non-financial companies. In Japan, brims argon usually the nexus of cross divide holding entity k directlyn as zaibatsu. In France Bancassurance is highly present, as most swans offer insurance services (and now real estate services) to their clients.1.2 DEFINITIONThe exposition of a bank varies from country to country.Under English law, a bank is defined as a person who railroad carries on the business of banking, which is specified as Conducting menstruum method of accountings for his customers kick ining cheques drawn on him, and Collecting cheques for his customers.1.3 OBJECTIVE OF THE STUDYThe Objective of this on the job training is to study the importance of the potential customers and their look on to the bank and creating the sentience among them rough the importance of current accounts and keep a good relationship with them for the banks benefit.1.4 ORIGIN OF THE BANKThe name bank derives from the Italian word banco desk/bench, used during the Renaissance by Florentines bankers, who used to make their exercises above a desk covered by a jet tablecloth. that, there be traces of banking activity even in ancient times. In fact, the word traces its origins back to the Ancient Roman Empire, where moneyl suppressers would set up their stalls in the middle of enclosed courtyards called macella on a long bench called a bancu, from which the words banco and bank are derived. As a moneychanger, the merchant at the bancu did non so much invest mon ey as merely convert the foreign currency into the all legal tender in Rome- that of the Imperial Mint.1.5 drive kinsfolk STATUS OF THE BANKWorldwide assets of the largest 1,000 banks grew 15.5% in 2005 to reach a record $60.5 trillion. This follows a 19.3% increase in the previous year. EU banks held the largest share, 50% at the end of 2005, up from 38% a decade earlier. The growth in Europes share was mostly at the expense of Japanese banks whose share more than than halved during this period from 33% to 13%. The share of US banks also rose, from 10% to 14%. Most of the remainder was from other Asian and European countries. . The US had by far the most banks (7,540 at end-2005) and subdivisiones (75,000) in the world. The large make sense of banks in the US is an indicator of its geography and regulatory structure, resulting in a large number of small to mean(a) sized originations in its banking system. Japan had 129 banks and 12,000 branches. In 2004, Germany, France, an d Italy had more than 30,000 branches eachmore than double the 15,000 branches in the UK.1,6 FUTURE OF THE BANK The future is integration as people lead keep up less time for banking. People pull up stakes want to process more consummations on the Inter exculpate. There will be more activity in terms of applications and services on the mobile. Geography will not be an inhibitor any more as everything is possible on the Net. Integration is the next real big thing. As a customer you will want a one-s brighten shop that will take electric chill of all your needs. For instance people will want to buy their mutual funds, redeem their mutual fund, buy insurance policies, re bracing policies, buy cinema tickets, railroad line tickets, and numerous similar get goings done the bank. The automatic teller will still serve as a change dispensing medium, but the Internet and mobile will be very active. pic2.1 ORIGIN OF THE ORGANIZATION H.D.F.C was set up on 17th October, 1977 by I. C.I.C.I. out of the consideration that a specialized mental institution was needed to channel household savings as well as funds from the capital market into the housing sector. H.D.F.C. has emerged as the largest mortgage finance institution in the country. The main objective of H.D.F.C. is to develop signifi tusht expertise in retail mortgage brings to different market segments and to fool a large somatic client base for its housing think credit facilities. The main aim of H.D.F.C. is to support or aid in the promotion of home ownership. H.D.F.C. is Indias leaders housing finance company and for all practical purposes is synonymous with the domestic housing finance industry.The primary coil objective of H.D.F.C is to enhance residential housing argument and promote home ownership. One of its major objectives is to increase flow of resources for housing through with(predicate) the integration of housing financial institutions with the domestic market. H.D.F.C. has develope d a upstanding market reputation large shareholder base and unique consumer franchise. H.D.F.C. is Indias premier housing finance company in India as well as in international markets. It has continueed a consistent and healthy growth in its operations to remain the clear market leader in mortgages in India. The company has been constantly engaged into innovation and innovative practices since its birth.2.2 GROWTH AND DEVELOPMENT OF THE ORGANIZATIONHDFC cuss reported a 43 percent growth in net profit at Rs.75.5 crore for the third run ended December 31, 2001, as against Rs 52.8 crore in the corresponding quarter previous fiscal. The jump in net profit was primarily due to other income which almost doubled to Rs 85.5 crore from Rs 47.5 crore. Speaking to analysts at a conference call to daytime, January 15, 2002, equivalenceesh Suthankar, head credit risk and investments, reiterated the banks earlier guidance of a 25-30 per cent compounded annual growth rate (CAGR) in its top l ine for the next two to trinity years. The bank does not see any reason to revisit its guidance and stands by it. It expects the projections to hold true as long as the market surround is relatively stable and does not move to an extreme of either a boom or a total bottoming out. The bank is open to acquisitions as a vehicle of growth, but any growth via acquisitions would be over and above its projected growth rate of 25-30 per cent.At present, it is not working on any deal but there are acquisition prospects in the Indian scene, giving rise to opportunities for inorganic growth. The banks exposure to capital markets is near 6-7 per cent, against the Reserve avow of India (RBI) norms of 5 per cent. The bank expects to bring it down to indoors the stipulated regulate by the end of this fiscal. The bank has made a lot of headspring in its retail thrust with retail accounts going up to 1.9 million from 1.4 million a year back. The branch network now stands at 147 outlets in 63 c ities and the aura network at 360 compared to 231 ATMs as on March 31, 2001. The debit card base is at six lakh. On the advances side, car loans have really picked up and now form almost 50 per cent of the total retail advances, with the remaining being accounted for by loan against securities and other loans. In fact in case of car loans, the bank now covers around 30 cities against just eight-nine a year back.2.3 PRESENT STATUS OF THE ORGANIZATIONHDFC rim Limited provides heterogeneous financial products and services. It operates in tercet segments ad hominem beaching, NRI positing, and Wholesale bank buildinging. The Personal positing segment provides savings, and current and fixed deposit accounts. It also offers personal, home, two wheeler, new car, used car, gold, education, healthcare, commercial vehicle, working capital, construction equipment, and warehouse receipt loans. In addition, this segment provides safe deposit lockers credit, debit, and prepaid cards mutua l funds, general and health insurance, bonds, and equities and derivatives products and forex and payment services. The NRI jargoning segments deposit products include rupee savings accounts, rupee current accounts, rupee fixed deposits, foreign currency deposits, and accounts for returning Indians. Its loan products comprise home loans, loans against securities, loans against deposits, and gold credit cards.The Wholesale coasting segment offers funded services, which consist of working capital finance, short term finance, bill discounting, and export credit and non-funded services, such as letters of credit, bank guarantees, and appeal of documents to corporations, and small and medium enterprises. It also various services to banks, financial institutions, mutual funds, stock brokers, insurance companies, commodity businesses, and trusts. As of March 31, 2008, it had a network of 761 branches and 1,977 automated teller machines in 327 cities in India.pic2.4 FUNCTIONAL DEPARTMENT OF THE ORGANIZATIONHDFC Bank Limited is located in saucily Friends Colony, New Delhi. This validation Includes functional departments as follows1. authoritative broadsheet Department2. Saving consider Department3. Trade Department4. Salary Department5. change Department6. Demat Account Department2.5 ORGANIZATION STRUCTURE AND CHARTpic2.6 PRODUCT AND SERVICE PROFILE OF THE ORGANIZATIONHDFC Bank mainly provides three kinds of banking services Personal Banking NRI Banking Wholesale BankingThe following are the products and services provided by the HDFC bank HDFC Bank provides loans equivalent Personal Loans , Home Loans , Educational Loans , Two Wheeler Loans , New car Loans, Used Car Loans, Overdraft Against Car, Express Loans, etc. HDFC Bank provides Credit, Debit and Prepaid Cards to help you meet your financial objectives. HDFC Bank provides facilities like Mutual Funds, Insurance, oecumenic & Health Insurance, Bonds, Financial Planning, Knowledge Center, Equities & Deriva tives, and Mudra Gold bar. If you need to deal in foreign currency and keep tabs on exchange rates every now and then, dislodge funds to India, make payments etc., HDFC Bank has a range of products and services that you give the sack choose from to transact smoothly, efficiently and in a timely manner. With HDFC Banks payment services, you can bid goodbye to queues and paper work. HDFCs range of payment options make it easy to pay for a variety of utilities and services. HDFC Bank provides many types of accounts like Saving Account trustworthy Account Demat Account Salary AccountHDFC Bank has designed two programs to make banking easier for the customers and they are HDFC Bank Preferred Programme HDFC Bank Classic Programme.HDFC Bank offers Private Banking services to high net worth individuals and institutions.HDFC Bank offers you quick, economical and convenient options to remit and transfer funds to India. Corporate Banking reflects HDFC Banks strengths in providing our corp orate clients in India, a wide array of commercial, transactional and electronic banking products. HDFC Bank acts as an active medium between the government and the customers by means of various services.2.7 CURRENT ACCOUNT IN DETAILFeatures & Benefitspic unleash Account to account funds transfer between HDFC Bank accounts free people people payment and aggregation through RTGS. allay payment and collection using NEFT (through Net banking) set down up to 50 get hold of pictures per month and can be issued from any HDFC Bank furcate cede up to 50 pass Orders (PO) per month and can be issued from any HDFC Bank Branch. surplus anyplace collection & payment transactions ( alter) inwardly HDFC Bank branch network (except Dahej), up to Rs. snow lacs per month. Convenience to withdraw & deposit gold at all our branches* unblock 300 At Par cheques leaves per month.Register for InstaAlert service and get updates on your account as and when the select transaction happens all this without visiting the branch or ATM HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like notes & Cheque Pickup and specie Delivery, through a reputed agency. Enjoyfacilities like 24-hour address Banking, Net Banking and Mobile Banking that helps you check your balance & transaction details, recall out the status of your cheque or stop cheque payment.Fees & Charges for Plus Current Account token(prenominal) Balance ( total Quarterly Balance)-Rs. 100,000/- Non-Maintenance Charges per quarterCharge of Rs.6,000/- per quarter, if AQB is less than Rs.50,000/- Charge of Rs.1, euchre/- per quarter, if AQB is less than Rs. 100,000/- but = Rs. 50,000/- Cheque Book Charges (Issued by Bank)-Payable-at-parFree 300 cheques leave per month. Charges Rs 2/- per leaf beyond 300 leaves absolution induction through own Bank take on Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / pair DDFree up to 50 DDs per month. Above 50 transactions, charges Rs. 25/- per need draft Pay Orders (PO) on HDFC Bank Locations (Issued from Any Branch) / transcript PO Free up to 50 POs per month. Above 50 transactions, charges Rs. 25/- per Pay-order Issuance of DD/ PO through Phone BankingAll standard charges for DD / PO are applicable as above. lonesome(pre titular) DD / PO tote up up to Rs 500,000/- are accepted at Phone banking. DD/PO-Cancellation/RevalidationRs.50/- per dickNEFT/EFT proceedingsPayments-Free compendiumsFreeRTGS actsPayments-Free accretionsFree local Transactions (At home branch location) topical anaesthetic cheques collections & paymentsFree Account to Account Fund convert within HDFC Bank- Freeanyplace Transactions (except Dahej)Account to Account Fund change over within HDFC Bank-FreePayments & Collections at HDFC Bank Locations-Free up to Rs.100 lacs per month, beyond which charges Rs. 0.50/1000, min Rs. 25 protrude Transaction ChargesAll transactions are undetermined to a uttermost of 250 transactions per month, beyond which charges Rs.5/- per transaction would be levied. Includes all Local / Anyhwere clearing and transfer transactionsRemittance facility through other BankIssue of lead Drafts (DD) / Duplicate DD (Correspondent tieup)Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation-Rs.50/- per instrumentCheque CollectionOutstation through own bankCollection Free, only courier charges of Rs 20 per instrument Outstation through another bank (Correspondent bank locations) Rs.4/- per Rs.1,000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25) exchange Transactions 1. notes cookCash secretary-Home Branch Location-Free up to Rs.10 lacs per month or 50 transactions which ever is lower, Deposit in inordinateness of Rs.10 lacs or 50 transactions will be aerated Rs.2/- per Rs.1,000/-, stripped-down Rs.50/-. (Cash deposit at non-home branches within home-branch metropolis subject to limit of Rs.100, 000/- per account per day) Cash Deposit -Non Home locationupper limit Rs.100, 000/- per day. Charges Rs. 3/1000, min Rs. 502. Cash WithdrawalCash Withdrawal-Home BranchFree at Home BranchCash Withdrawal-Non Home Branch-Intercity & IntracityFree up to Rs.50,000/- per day, beyond which charges Rs.2/1000, min Rs.50/- (Only for incremental amount), terce party cash withdrawal allowed only up to uttermostRs. 50,000/- per transaction.Features & BenefitspicFree Account to account funds transfer between HDFC Bank accounts. Free RTGS/NEFT Transactions.Free up to 30 Demand Drafts (DD) per month and can be issued from any HDFC Bank Branch. Free up to 30 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch. Free anywhere collection & payment within HDFC Bank branch network (except Dahej), up to Rs.50 la cs per month. Convenience to withdraw & deposit cash at all our branches*Free 200 At Par cheque leaves per month.Register for InstaAlert service and receive updates on your account as and when the select transaction happens all this without visiting the branch or ATMFees & Charges for Trade Current AccountpicDescription of ChargesMinimum Balance ( median(a) Quarterly Balance) -Rs. 40,000/- Non-Maintenance Charges per quarterCharge of Rs.1,200/- per quarter, if AQB is less than Rs.40,000/- Cheque Book Charges (Issued by Bank) -Payable-at-par 200 cheques leave Free per month. Charges Rs 2/- per leaf beyond 200 leavesRemittance facility through own BankDemand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD Free up to 30 DDs per month. Above 30 transactions, charges Rs. 25/- per Demand draft Pay Orders (PO) on HDFC Bank Locations (Issuedfrom Any Branch) / Duplicate PO Free up to 30 POs per month. Above 30 transactions, charges Rs. 25/- per Pay-order I ssuance of DD/ PO through Phone BankingAll standard charges for DD / PO are applicable as above.Only DD / PO amount up to Rs. 500,000/- are accepted at Phone banking. DD/PO-Cancellation/Revalidation-Rs.50/- per instrument NEFT/EFT TransactionsPaymentsFreeCollectionsFreeRTGS Transactions PaymentsFreeCollectionsFreeLocal Transactions (At home branch location)Local cheques collections & payments-Free Account to Account Fund Transfer within HDFC Bank -Free Anynhwere Transactions (except Dahej)Account to Account Fund Transfer within HDFC BankFree Payments & Collections at HDFC Bank LocationsFree up to Rs.50 lacs per month, beyond which charges Rs. 0.50/1000, min Rs. 25 Bulk Transaction ChargesAll transactions are subject to a maximum of 150 transactions per month, beyond which charges Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and transfer transactions.Remittance facility through other BankIssue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation-Rs.50/- per instrument Cheque CollectionOutstation through own bankRs. 0.50/1000, min Rs. 25 per instrument Outstation through another bank-Correspondent banklocations Rs.4/- per Rs. 1, 000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions1. Cash DepositCash Deposit-Home Branch LocationFree up to Rs.5 lacs per month or 40 transactions which ever is lower, Deposit in excess of Rs.5 lacs or 40 transactions will be charged Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 50,000/- per account per day) Cash Deposit -Non Home locationMaximum Rs.50, 000/- per day. Charges Rs. 3/1000, min Rs. 50 2. Cash WithdrawalCash Withdrawal-Home BranchFree at Home BranchCash Withdrawal-Non Home Branch-Intercity & IntracityFree cash withdrawals up to Rs.50, 000/- per day, beyond which charges Rs.2/1000, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction.HDFC Bank Trade offers you a host of features that sets it apart from regular Current Accounts that most banks offer. They are Free inter-city clearing between HDFC Bank branch locations (except Dahej) up to Rs.50 lakhs per month. Free Accounts to account funds transfer between HDFC Bank accounts, inter-city. Free up to 30 Pay-orders per month.Free up to 30 demand-drafts per month.Free RTGS & NEFT Transactions.Features & BenefitsFree anywhere collection & payment within HDFC Bank branch network (except Dahej), up to Rs.25 lacs per month, incremental amount to be charged Rs.1.50 per Rs.1,000/-, min Rs.25/- Free NEFT Transactions.Free RTGS collection. RTGS payment Rs.100/- per transaction. Inter-city Account to accounts funds transfer between HDFC Bank accounts at a nominal charge of Rs.15/- per transactions. Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- at flat cost of Rs.40/-. DDs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . Free 100 At Par cheque leaves per monthRegister for InstaAlert service and receive updates on your account as and when the select transaction happens all this without visiting the branch or ATMFees & Charges for Premium C/ADescription of ChargesMinimum Balance (Average Quarterly Balance) -Rs. 25,000/- Non-Maintenance Charges per quarterCharge of Rs.900/- per quarter, if AQB is less than Rs.25, 000/- Cheque Book Charges (Issued by Bank)Payable-at-par100 cheques leaves Free per month. Charges Rs 2/- per leaf beyond 100 leaves opposite C urrent Account facilitiesIssue of Duplicate / Adhoc StatementBranch Rs 100/- per statement * Phone Banking Rs 50/- per statement (Non IVR) and Rs 30/- per statement (IVR) Net Banking Rs 30/- per statement ATM & Mobile Banking Rs 50/- per statement. Mode of calculation of minimum average quarterly balanceAverage of daily closing balances of each day spread over a period of three months. Remittance facility through own BankDemand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD, Above Rs. 50,000 and up to Rs. 100,000- Rs. 25/-, Above Rs. 100,000- Free Pay Orders (PO) -on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO PO amount Up to Rs. 50,000 charges Rs. 40/- per PO, Above Rs. 50,000 and up to Rs. 100,000 Rs. 25/-, Above Rs. 100,000- FreeIssuance of DD/ PO through Phone BankingAll standard charges for DD / PO are applicable as above.Only DD / PO amount up to Rs 500,000/- are accepted at Ph one banking. DD/PO-Cancellation/RevalidationRs.50/- per instrument NEFT/EFT TransactionsPaymentsFreeCollections-FreeRTGS TransactionsPaymentsRs. 100/- per transactionCollections-FreeLocal Transactions (At home branch location)Local cheques collections & payments-Free Account to Account Fund Transfer within HDFC Bank -Free Anywhere Transactions (except Dahej)Account to Account Fund Transfer within HDFC BankRs.15/- per transactionPayments & Collections at HDFC Bank LocationsFree up to Rs. 25 lacs per month, Charges at Rs.1.50/1000, min Rs. 25Bulk Transaction ChargesAll transactions are subject to a maximum of 100 transactions per month, beyond which charges Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and transfer transactions.Remittance facility through other BankIssue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up)-Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation-Rs.50/- per instrument Cheque CollectionOutstation thr ough own bankRs.2.50 per Rs.1, 000/- for Cheques drawn on HDFC Bank Locations, min Rs. 50 per instrument. Outstation through another bankCorrespondent bank locations Rs.4/- per Rs.1, 000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques Rs.6.5/- per Rs.1, 000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions1. Cash DepositCash Deposit-Home Branch LocationFree up to Rs.3 lacs per month or 25 transactions which ever is lower, Deposit in excess of Rs.3 lacs or 25 transactions will be charged Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 25,000/- per account per day) Cash Deposit -Non Home locationMaximum Rs.25, 000/- per day. Charges Rs. 3/1000, min Rs. 50 2. Cash WithdrawalCash Withdrawal-Home Branch-Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity & IntracityFree cash withdrawals up to Rs.25,000/- per day, beyond which charges Rs.2/100 0, min Rs. 50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction.With HDFC Bank Flexi Current Account your Cash Deposit and Anywhere Transaction limits are a multiple of the balance you maintain in your Current Account.So, during peak seasons, you get the benefit of higher transaction limits due to the higher average balances maintained in your account.Whats more, during lean seasons, you need not bother about maintaining huge balances to enjoy high transaction limits, which you any route may not need.Flexi Current Account requires you to maintain a minimum Average Monthly Balance (AMB) of just Rs. 75,000.Features & BenefitsEnjoy dynamic free limits on Intercity Payments, Collections & Funds Transfer as well as Cash Deposit at home location branches based on the AMB maintained*For example, you maintain an AMB of Rs.2,00,000/- in a particular month. Your dynamic free transaction limits for that month would be as per the following table picTransactionDynamic Free Limits* Cash Deposit at Home Branch LocationAnywhere Payments, Collections & Funds Transfer (except Dahej) Free up to Rs.1, 00, 00,000/- in that particular monthPay your vendors on a real time basis using Real Time Gross Settlement (RTGS) available crossways 23,000 Bank Branches*. Whats more, payments and collections through RTGS are completely free Make and receive remittances to & from your vendors & customers across 20,000 + Bank Branches of more than 50 Banks through Net Banking using National Electronic Fund Transfer (NEFT), Absolutely Free Free 40 Demand Drafts & Free 40 Pay Orders issued from any HDFC Bank Branch* Convenience to withdraw and deposit cash at all our branches*. Competitive pricing on Demand Drafts drawn on Correspondent Banking Locations as well as Outstation Cheque Collection at HDFC Bank Locations InstaAlert service receive updates on your account as and when the select transaction happens all this without visiti ng the Branch or ATMThe top position is always the coveted position. With the Apex current account, take your business to a new high. On maintaining an average quarterly balance of Rs. 10 lakhs, this account makes sure you make the most of every business opportunities coming your way. Unlimited, free, anywhere Banking experience at the APEX is reserved for you. Features & BenefitsMaximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 10, 00,000/-Access to more than 750 branchesHuge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation chequesFree Intercity Cheque Collection & Payments within HDFC Bank Network (excluding Dahej). Free Account to Account funds transfer between HDFC Bank accounts. Free payment and collection through RTGSFree payment and collection using NEFT (through NetBanking)Free Demand Drafts which can b e issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branchConvenience to withdraw and deposit cash at all our branches* Free Cash Deposit up to Rs. 100 lacs per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash deposit at a non home branch)Choice of local / Payable at Par Cheques.Free 500 leaves per monthRegister for InstaAlert service and receive updates on your account as and when the select transaction happens all this without visiting the branch or ATM .Fees and Charges for Apex Current AccountpicMinimum Balance (Average Quarterly Balance)Rs. 10, 00,000/- per quarter Non-Maintenance Charges per quarterCharge of Rs.5,000/- per quarter if AQBis less than Rs.10,00,000 but greater than or equal to Rs. 5,00,000/- Rs.10,000/- per quarter if AQB is less than Rs. 5,00,000/- Cheque Book Charges (Issued By Bank) Payable-at-par 500 cheque leaves free per month. Charges Rs 2/- per leaf beyond 500 leavesOther Current Account FacilitiesIssue of Duplicate / Adhoc StatementRs. 100 at Branch, Rs. 30 per statement through Net Banking and Phone Banking (IVR), Rs. 50 per statement through Phone Banking (non-IVR), ATM and Mobile Banking Mode of calculation of minimum average quarterly balanceAverage of daily closing balances of each day spread over a period of three months Remittance facility through own BankDemand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DDFree without limitPay Orders (PO) on HDFC Bank Location (Issued from Any branch)/ Duplicate PO Free without limitIssuance of DD / POthrough Phone Banking-Free without limitOnly DD amount up to Rs. 5, 00,000 for Current Apex Account holders accepted at Phone Banking DD/PO-Cancellation/RevalidationRs.50/- per instrument NEFT/EFT TransactionsPayments-FreeCollectionsFreeRTGS TransactionsPayments-FreeCollectionsFreeLocal Transactions (At home branch location)Local cheques coll ections & paymentsFree Account to Account Fund Transfer within HDFC Bank-Free Anywhere Transactions (except Dahej)Account-to-Account Fund Transfer within HDFC BankFree clarification Transactions-Collections&Payment at HDFC Bank locations-Free Bulk Transaction Charges All transactions are subject to a maximum of 500 transactions per month, beyond which charges Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and funds transfer transactions. Remittance facility through other BankIssue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up)-Free up to Rs 15 Lacs per month, beyond which charges of Rs. 1.50 per 1000, Minimum Rs. 50/- per instrument DD-Cancellation / Revalidation-Rs.50/- per instrument Cheque CollectionOutstation Cheque collection on HDFC Bank Locations-Free Outstation Cheque Collection on non-branch locationsCorrespondent bank locations Rs.3/- per Rs.1, 000/-, min Rs. 50/-. For Clean locations (non-correspondent bank locations) & non-M ICR cheques Rs 4.5/- per Rs 1000/-, min of Rs 50 per transaction (includes courier charges) Cash Transactions1. Cash DepositCash Deposit-Home Branch CityFree up to Rs. 100 Lakh per month or 50 Transactions whichever is lower. Deposit in excess of Rs. 100 Lakh per month or 50 transactions will be charged Rs.1/- per Rs. 1000/-, minimum Rs.50/-. (Cash deposit at non- home branches within home branch city subject to limit of Rs.1,00,000/- per account per day) Cash Deposit Non Home Branch City Charges Rs 3 per Rs 1000/-, minimum of Rs 50 per transaction. (Maximum deposit allowed up to Rs 1, 00,000/- per day) 2. Cash WithdrawalCash Withdrawal-Home BranchFree.Cash Withdrawal-Non Home Branch-Intercity & IntracityFree cash withdrawals up to Rs.2,00,000/- per day, beyond which charges Rs. 2/- per Rs.1000/-, minPresenting maximum benefits and minimum hassles for you with Max Current Account With a Rs. 5 lakhs average quarterly balance requirement, we present to you a world of privileges th at helps your business expand and grow. Features like maximum free transaction limits including other beneficial features on this current account truly enhances your business potential to the Maximum. Features & BenefitsMaximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 5, 00,000/-Access to more than 750 branchesHuge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay OrderFaster collection of outstation chequesFree Account to Account funds transfer between HDFC Bank accounts Free payment and collection through RTGSFree payment and collection using NEFT (through Net Banking) Free Demand Drafts which can be issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branchFree anywhere collection & payment (clearing) up to Rs. 5 Crore per month within HDFC Bank branch network (except Dahej) Convenience to withdraw and deposit cash at all our branches* Free cash deposit up to Rs. 50 Lakh per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1, 00,000/- on cash deposit at a non home branch)Choice of local / Payable at Par cheques. 500 leaves free per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens all this without visiting the branch or ATM Fees and Charges for Max Current Account picDescription of ChargesMinimum Balance (Average Quarterly Balance) Rs. 5, 00,000/- perquarter Non-Maintenance Charges per quarterCharge of Rs.3,000/- per quarter if AQB is less than Rs.5,00,000 but greater than or equal to Rs. 2,50,000/- Rs.8,000/- per quarter if AQB is less than Rs. 2,50,000/- Cheque Book Charges (Issued by Bank)500 cheques leave Free per month. Charges Rs. 2/- per leaf beyond 500 leaves Other Current Account facilitiesIssue of Duplicate / Adhoc StatementRs. 100 at Branch, Rs. 30 pe r statement through Net Banking & Phone Banking (IVR), Rs. 50 per statement through Phone Banking (non-IVR), ATM & Mobile Banking Mode of Calculation of Minimum Average Quarterly BalanceAverage of daily closing balances of each day spread over a period of 3 months. Remittance facility through own BankDemand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DD Free without limitPay Orders (PO) on HDFC Bank Locations (Issued from Any branch)/ Duplicate PO Free without limitIssuance of DD / PO through Phone Banking Free without limitOnly DD amount up to Rs. 5, 00,000 for Current Max Accountholders accepted at Phone Banking. DD/PO-Cancellation/Revalidation Rs.50/- per instrument NEFT/EFT TransactionsPayments-FreeCollectionsFreeRTGS TransactionsPaymentsFreeCollections-FreeLocal Transactions (At home branch location)Local cheques collections & paymentsFree Account to Account Fund Transfer within HDFC BankFree Anywhere Transactions (except Dahej)Account to Acc ount Funds Transfer within HDFC BankFree Payments & Collections at HDFC Bank Locations (except Dahej) Free up to Rs. 500 Lakh per month, beyond which charges Rs. 0.50/1000, min Rs.25/-. Bulk Transaction ChargesAll transactions are subject to a maximum of 300 transactions per month, beyond which charges Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and funds transfer transactions. Remittance facility through other BankIssue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) Rs. 1.50 per 1000, Minimum Rs. 50/- per instrumentDD-Cancellation / RevalidationRs.50/- per instrument Cheque CollectionOutstation through own bankFree Outstation through another bankCorrespondent bank locations Rs.3/- per Rs.1, 000/-, min Rs. 50/-. For Clean locations (non-correspondent bank locations) & Non-MICR Cheques Rs. 4.5 per Rs.1, 000/-, min Rs. 50/- (inclusive of courier charge) Cash Transactions1. Cash DepositCash Deposit-Home Branch CityFree up to Rs. 50 L akh per month or 50 Transactions whichever is lower. Deposit in excess of Rs. 50 Lakh per month or 50 transactions will be charged Rs.1/- per Rs. 1000/-, minimum Rs.50/-. (Cash deposit at non- home branches within home branch location subject to limit of Rs.1, 00,000/- per account per day) Cash Deposit Non Home CityMaximum Rs.1, 00,000/- per day. Charges Rs.3/- per Rs.1,000/-, minimum Rs. 50/- 2. Cash WithdrawalCash Withdrawal-Home BranchFree at Home Branch Cash Withdrawal-Non Home Branch-Intracity & IntracityFree cash withdrawals up to Rs. 1,00,00/- per day, beyond which charges Rs. 2/- per Rs.1000/-, min Rs.50/- (Only for incremental amount), Third partycash withdrawal allowed only up to maximum Rs.50,000/- per transaction.2.8 MARKET PROFILE OF THE ORGANIZATIONCompany ProfileHDFC Bank LimitedTicker500180ExchangesOTH BOM2008 sales124,140,000,000Major IndustryFinancialSub IndustryCommercial BanksCountryINDIAEmployees378363.1 STUDENTS WORK PROFILE (ROLE AND RESPONSIBILITIES)I ha ve completed my pass taining in HDFC Bank Limited as a SALES EXECUTIVE. During this training I played some roles and responsibilities are as ROLE-I have worked as a sales Executive in sales department in HDFC Bank Ltd. My role was to buildup better relationship with Customers. HDFC Bank expects its employees to take up the work of opening current account in their respective locations. My main role was to contact customers and make deal for opening current account, in meeting with customers I represent a demo to customer for current account, are as RESPONSIBILITIES- To generate leads for the Bank. To buildup better relationship with customers. To increase the sales of the Bank. To provide sensibleness about the current account. To achieve companys target.3.2 DESCRIPTION OF LIVE EXPERIENCEWorking with HDFC Bank It was a nice experience. When I entered into the bank, I was very nerves. However after entering I knew the real mean of working with the big organization. We need to follow the rules and regulations of the company. Coming at the exact time in the bank is veryimportant.These things are very important which we need to learn How should behave in the organization? How behave and coordinate with the customer? How we need to talk to our Boss, our prize and colleges? Working with the HDFC I increased my communication skills. Also I knew the Importance of the coordination among all the employees. All the employees are working as a aggroup. When I was new, the intact employees helped me to learn the work culture HDFC Bank.In this company my work is to buildup the relationship with customers and to provide leads to the company for opening current account and making relationship with the bank. In present time the customers are not very well aware about the HDFCs products. 3.3 STUDENT CONTRIBUTION TO ORGANIZATIONIn this Company I am working as a sales Executive. In this Organization my role is to buildup better relationship with Customers, and I promote the current account. My contribution towards this organization like I provide leads everyday for opening current account. I make good relationship between Bank and customers. I provide awareness about the current account through some demos and calling. I help in making some useful marketing strategies.1. RESEARCH INSTRUMENT A questionnaire was prepared with the relevant questions consisting mainly of closed end questions especially dichotomous type which offered the respondents between only two alternatives either (Yes/No). The respondents were personally met and the collection of cultivation was properly administered to avoid non-respondent error.The primary data is collected by cold calling from respected place ofbranch. The data is collected by using a questionnaire, which is given as an Appendix at the end of this report.2. SOURCE OF DATA The study is based on both primary and secondary data. Most of the findings are based on the data collection through interaction with custome rs. A structured disguised questionnaire is prepared together the information. Close as well as open-ended questions are asked. Some multiple-choice questions are also included.3. RESEARCH DESIGN AND METHODOLOGYMain Methodology - Collection of Primary data (Consumer and trade Research) through Personal Questionnaires & Collection of Secondary Data (Study of various Current Account) through Computer Data, Web sites, Books and Magazines.FIELDWORKThe respondents are personally interviewed, for about 3 to 5 minutes on an average to collect the data. The format prepared beforehand was strictly adhered to. Though it was sufficient in itself and could be matched to prospective respondents, personal interviews are conducted to be able to make first hand observation that would reveal some useful information about the subject of study.RESEARCH ANALYSIS later the collection of data I have categorize the data into Primary Data Secondary DataAs we know the data collected in primary mode is mor e reliable in the comparison of secondary data. So we depend more on the primary data.SOURCES OF PRIMARY DATA view PersonalSOURCES OF SECONDARY DATA Through internet Branch manager approvals Personal vehicle dealers Brochure of the bank4. SUMMARY OF FINDINGSThe Housing Development pay Corporation Limited was introduced in 1994, after the Reserve Bank of India approved private sector banking. Operating in over 300 Indian cities, HDFC Bank has over 700 branches and 1600 ATMs. It offers personal, NRI and wholesale banking services. Net profit for the March 2006-2007 reached Rs. 1,141.5 crore. In early 2007, HDFC officially entered the microfinance market and opened branches that provide funding to self-help microfinance group.After finding primary and secondary data I find1. Customers dont know about the advantage of our current account. 2. Customers are less aware about the benefits Providing Company. 3. Customers have no more association about the HDFC Bank limited. 4. HDFC reduce s the complexity of current account.5. HDFC provides best way to earn more profit.6. HDFC is beneficial for making profit and various types of works. 7. The result of HDFC is very easy.pic1. SUMMARY OF LEARNING EXPERENCEHDFC Ltd has the objective to enhance residential housing stock and promote home ownership. Their offerings range from hassle-free home loans and deposit products, to property related services and a training facility. They also offer specialized financial services to the customer base through partnerships with some of the best financial institutions worldwide.HDFC Bank began operations in 1995 with a simple mission to be a World-class Indian Bank. We realized that only a single-minded contract on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internati onally. So that I learn many important things from HDFC and market are as 1. I have gained live experience of marketing.2. I find all types of help from my training in charge.3. I have gained knowledge in the field of HDFC.4. I find there are many customers are not aware about the HDFC. 5. I find there are lots of opportunities in the Banking Sector.2. CONCLUSIONS AND RECOMMENDATIONSConclusionHDFC Ltd has the objective to enhance residential housing stock and promote home ownership. Their offerings range from hassle-free home loans and deposit products, to property related services and a training facility. They also offer specialized financial services to the customer base through partnerships with some of the best financial institutions worldwide.HDFC Bank began operations in 1995 with a simple mission to be aWorld-class Indian Bank. We realized that only a single-minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally. . Besides we also have a dedicated technical team as well as customer care services and its procedure is also very simple. Recommendations1. To provides awareness about Current Account and its uses to customers. 2. To open maximum and Big accounts for getting more profit. 3. To target not only metro cities, target all big and small city or village. 4. To build the customer relationship5. To improve its marketing strategies6. To improve its selling processpicCOPY OF QUESTIONNAIRE1. Are you aware about Current Account?a. Yesb. No2. Are you aware about current account providing HDFC Bank? a. Yesb. No3. Are you aware about HDFC Bank Limited?a. Yesb. No4. Are you aware about the procedure of Current Account? a. Yesb. No5. Is HDFC reduces the complexity of Current Account procedure? a. Yesb. No6. Is HDFC provides y ou cheap and best way to earn money and to make you a independent owner? a. Yesb. No7. Are you aware about the profit volume ratio doing business with HDFC? a. Yesb. No8. Are you interested to open current account in HDFC Bank ? a. Yesb. NoBIBLIOGRAPHY1. www.hdfcbankltd.com2. www.hdfc.in3. www.google.com4. Business Today5. India TodaypicSales ExecutiveTeam LeaderSales ManagerArea Sales ManagerArea Sales HeadRegional Sales ManagerZonal Sales ManagerNational Sales Manager

Rates Of Medication Errors Health And Social Care Essay

The purpose of the question, Rates of medicine mis dos among gloomy and burned- verboten bug bulge occupants prospective cohort suss out by Fahrenkopf, A M et Al. is understandably declared with clear background to the raft in the Introduction subdivision. The take after aimed to find the prevalence of depression and burnout and whether a relation back exists between these upsets and medicine mistakes in pediatric occupants. Although the place of depression and burnt outs in occupants have been extensively studied but neer has these two factors been quantified consistently against medicine mistake rates hence doing this look into an original piece of work. The writers did non declare any(prenominal) struggle of involvement that whitethorn bias their research methodological analysis or decisions. However, the rubify of the paper is misdirecting as it suggests that it applies to all occupants but the writers are merely concentrating on pediatric occupants. Furtherto a greater extent hypothesis of this survey was non clearly presented.What did they make?This primary survey was carried out in the signifier of cohort survey dwelling of two control groups of non-depressed and non-burnt out pediatric occupants from three different infirmaries from mid-May through the terminal of June 2003. However, research workers did non clearly warrant why the survey was conducted merely in these three urban freestanding kids s infirmary and why informations from intensive attention units or ambulatory scenes were non include in the survey. Furthermore, there was a four twelvemonth spread from the clip of research to that of printing this paper in 2008. The consequences derived may non to the broad applic commensurate as there may establish been alterations in the environment in which occupants are in which brings about a demand for new research to learn the findings.From the direction of namelessness and confidentiality of occupants individuality it can be s een that the writers had carried out the survey with strict control. Furthermore, medicine mistake informations extractors used were incognizant of the on-going survey which farther minimizes possible prejudice that may originate during the aggregation of mistakes. However, the writers besides informed the participants the l one and only(a) case in which confidentiality would be brokenaif they were an immediate danger to themselves or others that is, showed suicidal or murderous ideation and this poses a possible prejudice where participants may under study if they were of all time in such a state of affairs.Although some(prenominal) the quantitative and qualitative tools used in the survey through the usage of well-established questionnaires matched the survey nonsubjective and was suited for the survey design, the executing of the questionnaires for depression and lift out, in my sentiment, could hold been done better with proper psychiatric rating to minimise any prejudice from the occupants as they may either under study or over report their ain status. The writers besides did non reference when these two questionnaires were completed, the frequence of which they were done by the occupants and how they eventually came to the figure of burned out or down occupants.What did they happen?The survey found that down occupants are significantly more potential to do medicine mistakes as opposed to their non-depressed equals while burnt out was found to hold no tie-up with medicine mistake rates. Consequences are by and large clearly reported but with some ambiguity one of the tabular arraies ( Table 2 ) provided. The writer portrayed the informations collected in the signifier of two tabular arraies and to give a diagrammatic representation of their findings, the informations were so set in four saloon graphs showing per centum with P-value. However, information in Table 2 for Entire mistakes per occupant, by class was presented mistakenly as it included site 3 s occupants under nothing mistakes when they did non hold the informations on medicine mistake linked to the participants for that site which may do misunderstanding to readers at first glimpse.The decisions derived can non be generalized to the whole pediatric occupant population even though consequences show that the survey population was valid to see the aim of the survey. The sample size and scene are unequal to claim that the findings represent the whole of pediatric occupants because the survey was merely done in urban freestanding kids s infirmaries and the figure of down occupants were excessively little ( n=24 ) doing the consequences and p-value statistically important but equivocal.Regardless, the research was carried out as intend and the purposes of the paper achieved.So what?Regardless of the statistical significance, the consequences are clinically of import as it highlights the significance of depression in relation to medication mistake rates which may fina lly take to patient safety concerns.Several reasonable and realistic suggestions for farther research were proposed but they were non elaborated in great inside informations. The writers stated that the more research is required to specify better how depression and burnout affect occupants and patient attention in other fortes and to specify better the insouciant relation between depression and mistakes The writers besides acknowledge their restrictions in great inside informations during in the Discussion session foregrounding that they were clearly cognizant of the jobs within the survey.The survey besides adds usefully to bing cognition as it is the first to quantify the effects of down occupants to the rate of medicine mistakes and had shown that down occupants are significantly more likely to do medicine mistakes. However, it should be noted that this survey may non generalizable as it is done merely in three urban free standing kids s infirmary therefore it did non account for the discrepancy in work load in different fortes and vicinity.BibliographyFahrenkopf, A M et Al. ( 2012 ) .A Ratess of medicine mistakes among down and burnt out occupants prospective cohort study.Available hypertext transfer protocol //www.bmj.com/content/336/7642/488. Last accessed 12th Dec 2012.Trisha Greenhalgh ( 2010 ) .A How to read a paper. 4th erectile dysfunction. Chichester Wiley. p31-60.Part 2A Report to the Minister of health of MalaysiaA survey on Ratess of medicine mistakes among down and burnt out occupants prospective cohort survey by Fahrenkopf, A M et Al.A brief sum-up of the surveyThis survey is carried in the United States by 9 research workers on 123 pediatric occupants across 3 kids s infirmary to happen out if there is a relationship between depression and burnout to the rates of medicine mistakes. The writers identified down pediatric occupants are significantly more likely to do medicine mistakes whereas burnt out has no association to the rate of med icine mistakes.Key messages derived from the surveyHigh prevalence of burnt outs and depression among pediatric occupantsThe survey found that burnt out affected 75 % of the pediatric occupants and 20 % of the occupants were at high hazard for depression. Of the down occupants, an dismaying 96 % were besides burnt out.Depressed occupants made more than 6 times more medicine mistakes than their equals.Harmonizing to the survey, Depressed occupants in pediatricss made more than six times the mistakes in medicine than their non-depressed co-workers whereas burnt out had no association to the rates of medicine mistakes made. This calls for concern to patient safety as down occupants may potentially increase the figure of preventable patient mortality.Poor wellness and cable public presentation evaluationsHealth and occupation public presentation evaluations conducted in the survey showed that both down and burnt out occupants scored significantly poorer. Depressed occupants were sign ificantly more likely to describe their wellness as hapless, work in an impaired status more than twice in the old month and to describe arduous concentrating at work. Burn out occupants on the other manus are significantly more likely to describe trouble concentrating on work and be worried that they are depressed.Sleep want may play a function in incidence of medical mistakeHarmonizing to the survey, 47.2 % of all pediatric occupants studied reported to hold made important medical mistake due to sleep want. This shows that the deficiency of slumber may impair the opinion of occupants and this call for concerns sing overworked occupants and their competency to cede quality attention for patients without compromising patient s safety.Deductions of this surveyBettering working conditionsWith about half the occupants describing that they had made important medical mistake due to kip want, the figure of work hours occupants are made to travel through at any point in clip shoul d be reviewed to guarantee that occupants are able to supply quality attention at no via media to patient safety. As with the Health Facts 2012 released by the Ministry of Health, the current physician to patient ratio is now 1791. A decrease in this ratio may help to distribute the work load more equally across the board which will take to a possible decrease in work hours and finally understating the degree of medical mistakes made due to kip want.Regular mental wellness showings for occupantsWith such a high prevalence in depression and fire out amongst occupants, regular mental wellness showing will assist guarantee that occupants who are confronting any signifier of upsets seek intervention early so as to cut down any possible side effects that may impact their ability to execute and at the same clip uphold patient safety so that medicine mistakes may be minimised to a lower limit.Further research on depression and fire out effects on occupants rate of medicine mistake in Mala yaAs the research was conducted in USA, the difference in vicinity and working environment could hold presented a different set of work stressors to the pediatric occupants at that place. A research conducted locally for the occupants in Malaysia will assist determine the effects of these upsets and besides assist place the cardinal countries for betterment to understate the incidence of preventable patient mortality caused by down or fire out occupants.

Gun Control †the right solution?! Essay

Is shoot control really the right solution to gun abuse? Will this really be strong? Will the American society be safer when guns are banned? Though there are m any(prenominal) questions, there is only one answer NO Liberals prolong tried to argue that banning guns from civilians is the best way to solve this problem. However, this is not the right way to solve this problem for many reasonsFirst, to get particulars straight, guns do not kill people people kill people 100% of all homicides are committed by people. Secondly, banning would only leave criminals with guns, since they bind them illegally anyway and law-abiding citizens would stand no means of protection.Criminals now are committing less violent crimes that lead minimal contact with people, knowing the fact that they might own guns, so if guns are banned criminals would commit much violent crimes. Banning guns would give the government complete control over the people, by stripping them from their natural rights. La stly, guns have caused more benefit than harm. According to statistics, in 2005 gun ownership by citizens had stopped 2 out of 3 rapes. The absolute majority of people want gun ownership, polls in 2006 have shown that about 86.25% of Americans do not want guns banned.Second, guns more or lessly used by law-abiding citizen have mostly been used for self-defense. Mr. Thomas Harrison, 60, says One time a robber broke into our house and tried to molest my daughter fortunately I got my gun from my drawer and popped a cap right into his knee. Guns are weapons of oppression, if guns were banned only oppressors would have guns and the oppressed would even be more miserable. The debut fathers of this nation have made the right to bear arms in the Second Amendment the same founding fathers who set up a government that still runs and functions as they envisioned.These founding fathers died and sacrificed themselves for the American people so that they keep their natural rights and now these so called liberals want to change this right just because they think its harmful. If the American people really let them do this what else, would the government try to extort from the peoples natural rights?Third, the problem with guns is that people are not ethically and morally behaved. If schools educated their students about guns and their consequences, most shots might not have been fired. Second, if parents were more responsible keeping weapons away form their children, and raised their children in the proper and right way,Americans would probably not have these problems.Guns should not be banned instead, they should be hard to find and obtain. Though this might sound strange, bullet, and shell prices should increase so that they are not affordable. Furthermore, emphasize checks should be more thorough, and gun purchasers should take a safety course and be officially certified by the government. In addition, bulletproof vests should be more available for workers in banks an d other work places where valuables are stored. Moreover, schools should start teaching students how to cope with life, so that the new generation might have a occur in living in a peaceful society or era. Hopefully, if these suggestions and policies are followed the crime and homicide rate in the United States entrust drop by an estimated 35%.Liberals and gun control supporters might say that guns are the major weapons of murder and crime and that if banned crime would decrease. This is not true because some criminals will obtain these weapons illegally or use other types of weapons in order to commit their crimes. Once again, people kill people not guns or any other type of weapons. The answer to this problem is education not violation. In other words, stick to the constitution and start educating.urbandreams.ousd.k12.ca.us/lessonplans/parrot/handouts/student2.pdfwww.freerepublic.com/forum/a3a35a78a525c.htm

Google vs bing

Google and Bing are competing to be the most used and talked about calculate locomotive engine on the Internet. To hold this title means a great deal of wealth generated from a successful attend engine. The more traffic a anticipate engine generates, the more money It can produce In the forms of endorsements and advertisements. In reality, competition Is good for some(prenominal) companies as it forces both to continually crystalise improvements and strive to develop the best possible product for the exoteric.This competition is one of the driving forces of our free market economy oday. The companys history of Google has been around since the early 90s. It was created and started as a search engine by two grad students at Stanford who major in computer science and the company has grown extremely sizeable since its first days in Susan WoJcickis garage in Menlo Park. Today, Google controls the search engine landscape. A shared market survey carried out by Search engine Land in March of 2012 found that Google controlled about 66. 4 percent of the market.Never the less, this Is a enormous percentage and Google has used its success to take hance Into many disparate fields a charge from purely Just Its search engine. Some of these may Include videos, social media, mapping, and even creating Its own operating system. As one of the biggest engineering science companies on the planet, Microsoft is no foreigner to adjusting to new trends in technology. Raiseing the majority of its success and resources with the uses Windows operation system, Microsoft decided to make its own search engines that have unfolded over the years.Its flow rate version of a search engine website is Bing. This site is a revised version f Live Search which itself came from Windows Live Search and trails all the way back to MSN search, Bing was launched in 2009, and at first it focuses on having an interactive interface with focus on searches, maps, videos, and other interactive media. Considering that this search engine Is new to the search engine world, It Is gaining prompt momentum. According to the same market share survey from Search Engine Land from March 201 2, Bing currently controls 15. percent of the search engine market. Now and days both companies now find themselves In a action for ho can make the latest development in the battle to control the online market. though Google owns a much higher percent of the market, Bing is gaining momentum and is now Googles greatest competition. For the two companies that own these search engines, there are billions of dollars of resources at both the companys fingertips for improvement, research, and development of their products.The two companies have both attempted to make use of the social media in their continuing struggle for federal agency, and their results are on a different path. Google has tried to start its own social media site. Google plus has linked up to Google and the company has embraced a multitud e of features so the two sites can figure out and mesh together effectively. Microsoft went on to Join with an outside social media site. Bing has an exclusive relationship with the social media giant Facebook. The reality of this different strategy favors Bing because the popularity of Facebook Is far large than Google plus.As a result of this, Bing will likely continue to grow in popularity Decause 0T I users. Another area of competition that has affected the operation of the companies is the actual power of the search engines they are promoting. Googles search algorithm gave revolution to the search engine world. It has been the driving force to the companys success. By Bing adopting the same search algorithm has to face an reverse with, most likely the best programming in the business. To compete the search engine, Bing launched an advertisement rivulet that used the classic taste test strategy.The idea of this campaign was for users to blindly use the two websites ( like in the commercials) for a search and then choose which engine produced a better result. Unfortunately for Bing, this strategy backfired. Though they xpected to see more users prefer their search engine, the power of the Google algorithm won the battle. According to the International Business Times, Google came out ahead in both cases, sweet 32 in the first test and 41 in the second, A final area that the two search engines compete is their market gimmick.Google is an oddity among companies. It has not put much of resources into its marketing. The news got around mostly by word of mouth. Bing, on the other hand, faces a different situation. As a new, emerging search engine, it will not likely gain the popularity Google has by simply word of mouth. One strategy Bing can use is to market the differences between the two companies. They can market their social media band instead of Just claiming to be a better search engine. Competition is one of the best part about businesses in todays free market economy.It makes companies constantly improve their products. The battle is currently wrenching between Google and Bing is another example of this fact. Both these companies are exhausting to make their websites constantly better than the others. The use of creative improvements to the companies has provided for continuous beneficial growth of both companies. By breaking into social media, user interfacing, videos, maps, and more, the companies are providing the public with two easy and convenient options for their search engine needs.I believe in the future we will see a shift in the strategies from the current for both companies. Google will probably back off the social media push it has made and focus more on being a knowledge based search engine that is quick, easy, and reliable. Bing will take the route of expanding its social media connections and try to show that it is a more than a user-friendly system that is great for searching deep down these specific domai ns.