HDFC Woos Punjab with Hi-Tech Banking: Govind Pandey

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Govind Pandey, Senior Executive Vice President Branch Banking Head (North)

HDFC Bank focuses on customer convenience and meets the needs of today’s digitally conscious customers, informs Govind Pandey, Senior Executive Vice President, Branch Banking Head (North), while discussing the banking innovations offered to the State of Punjab with Manish Arora of Elets News Network (ENN).

What sort of banking services does HDFC Bank offer in Punjab?

The Bank oers products ranging from savings account, “xed deposits and current account to two-wheeler, auto and tractor loan, commercial vehicle loan, Kisan gold card, agriculture and commodities loans, international credit and debit cards.

HDFC provides customised solutions for online payment of taxes and fees. It is one of the largest collectors of taxes in the country and enables quick and easy payment of various taxes, including house tax, commercial taxes, and property tax, among others. is apart, it also oers solutions for eProcurement and eTendering.

How do you make your services and applications user friendly?

As people lead a fast paced, busy life, they expect access and convenience from brands, even in the “nancial services space. Customers, especially the young and the tech-savvy, identify the bank they want to be associated with, by looking at the digital banking products and services it oers. Today, various digital banking platforms like Internet banking, mobile banking complement the branches and ATMs to enable customers to do banking transactions at their time and convenience.

In line with this, post the launch of ‘Go Digital’ campaign in 2014, with the ‘Bank aap ki mutthi mein’ oering, HDFC Bank has launched a host of new digital banking products.

These include Chillr, 30 minute paperless auto loan using biometric technology, 10 seconds personal loan on net banking, PayZapp and recently introduced instant loans at ATM. is is in addition to HDFC Bank’s powerful Netbanking portal and o“cial mobile app, which allows customers to perform over 205 and 85 dierent types of transactions, respectively.

Adoption of these channels has grown rapidly. More than 60 per cent transactions conducted by HDFC Bank’s customers are performed using Internet and mobile banking channels.

Do you intend to launch any new service in the coming days?

Innovation is at the heart of modern-day banking and technology-led innovation is a major constituent of it. We are constantly at work to provide convenience and access to our customers.

HDFC Bank has a host of new digital banking products, including Chillr, 30-minute paperless auto loan using biometric technology, 10-second personal loan on net banking, PayZapp and instant loans at ATMs

What are your views on the Smart Cities concept?

Smart cities is all about using technology and how it improves daily life and the way services such as power, water, security and governance are delivered. Technology-led banking services like ours will have a big role in these high-tech cities.

What are the mobile services offered by HDFC Bank in Punjab and Haryana?

HDFC Bank oers its powerful Netbanking portal and ocial Mobile app, which allows customers to perform over 205 and 85 different types of transactions, respectively. HDFC Bank also oers PayZapp, a payment solution for mobile phone top-ups, instant money transfers, bill payments, groceries, movie tickets, and even big-ticket purchases such as foreign holidays and Chillr, a mobile app that enables instant money transfer to any contact in the phonebook.

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