CC Final Draft Flipbook

Campus Chronicles 3rd Edition Highlights • Interview of Prof. Meena Herle • Best in class • Startups in India • Bitcoins 1|Page

CAMPUS CHRONICLES THIRD EDITION DECEMBER 2021 2|Page

What’s Inside • Preface……………………………………………………………………….. 4 • Editor’s Desk…………………………………………………………………5 • Who We Are?.................................................................6 • Interview………………………………………………………………………7 • De-Fi……………………………………………………………………………..9 • Bitcoins………………………………………………………………………..10 • Cognitive banking in HDFC Bank…………………………………..12 • The Absurdity in low lending………………………………………..14 • Startups in India: A world full of opportunities…………….16 • Patience and time: The Kingmakers……………………………..17 • Poetry………………………………………………………………………….18 • ह दिं ीकविताए……………………………………….…………………………19 • Creative Corner..............................................................21 • Snapshot........................................................................22 • Cricket………………………………………………………….………………23 • Achievements................................................................24 • Batch 7……………………………………………………………..………….26 • Editorial Board…………………………………………………….……….32 • Aknowledgement…………………………………………………….…..33 • HDFC Milestones & Headlines………………………………………34 3|Page

Preface Campus Chronicles is a journey into the mind of a Future Banker. This 3rd edition of Campus Chronicles consists of articles on topics which range from the basic facets of Banking to highly diverse topics like Bitcoins and policy changes in RBI and the working of SEBI and Start-up’s. While we take you on a Banking Journey through the eyes of a Future Banker, we also would like to present before you the views of a seasoned banker and veteran in the industry, Mrs. Meena Herle Ma’am who gives her viewpoint on various facets of Banking and tells us what it is to be a banker for three decades and what kind of phases a banker goes through as well as what challenges a banker faces in his/her life. This E-magazine is hence, going to be a guiding beacon for upcoming batches which they could read through to understand what’s in store for them Kulkarni Chinmay Sanjay 21225930022 Batch 8 4|Page

Editor’s Desk Dear Readers, On behalf of Manipal Academy Bengaluru, HDFC Bank, the Editorial Board and Editorial Team of our e-magazine, I would like to wish all authors and readers a wonderful and prosperous year ahead. When an idea that has been enduring in mind will become real, it is a genuinely an interesting and exciting experience. This new venture of mine as Editor is one such cherished work which I would fulfil to the best of my abilities. It is my pleasure to present the Third edition of Campus Chronicles issue of the month December 2021. Year 2021 the Indian economy that was hit hard & severe setback by the COVID-19 pandemic is now in recovery mode. I would like to demystify in terms of economic alphabets. The context of the covid-19 particularly it became popular after research paper produced by “ING Dutch financial institution” in April 2021 to research over there who try to foresee how the Global & India economic recovery would like to be. Economic Recovery can be explained through these: V- Shaped economy U- Shaped economy W- Shaped economy L- Shaped economy K- Shaped economy. Even though Our institute doesn’t stop working for educating students through Online channels and when the situation got stable, they welcomed us to campus. Me and my editorial team bow down towards all staff teachers and experts for their commendable efforts. Thanks to the outstanding work of all authors who provided their contents of this issue vide range of articles i.e., Metaverse which is the future technology explained, Importance of cyber security, Analysis of HDFC Bank’s shares, Adventures of Ujjain, emotion regulations and many more which will surely makes you feel enthusiastic while reading. Also, we got the opportunity to film beautiful snapshots and artistic creations of students & much more. We have also covered our esteemed Manipal’s orientation, Classroom Teaching, Diwali Celebration, C³ Challenge etc. which will make your memories refresh and last but not the least the Glimpses of Farewell Batch 7 which will surely get you grin & schmaltzy. I’m grateful for the confidence placed in me by the Manipal Academy’s experts and for the support from the editorial board. I shall assure all our readers that our consistent efforts will be aimed toward increasing the visibility, impact and overall quality of our e-magazine. We are very a whole lot sit up for strengthening the popularity of our e-publications and we need to attract greater higher-fine submission in future also. I’m hoping our readers share a similar imaginative and prescient, and we look forward to a productive, effective and successful 2022 ahead. In the spirit of continuous development, any positive input on streamlining our approaches may be very welcome. Sagar Saxena (Batch 7) (21125930064) 5|Page

Who We Are? Welcome to the world of learning and banking! Welcome to the HDFC Future Bankers Program. Future Bankers Program is a 1-year professional diploma program designed jointly by Manipal Global Academy of BFSI and HDFC Bank. The students are awarded a Post Graduate Diploma in Sales and Relationship Banking by Manipal Academy of Higher Education on successful completion of the course. The duration of the program is 12 months comprising 6 months classroom training and 6 months of internship and OJT at any of the HDFC Bank Branches. HDFC Bank has always aimed at building the potential of its employees. The Banks promotes a culture of meritocracy to create an environment that nurtures young talent transforming them into the young leaders of tomorrow. Keeping this legacy alive, this exclusive program was started to make the *'Young Future Bankers fully equipped for the digitally dominated future ahead! This journey started in September 2019 with the commencement of Batch 1 and since then HDFC Future Bankers program has successfully added 7 Batches: with the recent commencement of Batch 8 as well. This is an opportunity for individuals to become a part of HDFC bank, one of India’s foremost brands reputed for its rich legacy of innovation, transparency, and honesty. Students are selected through a rigorous process and taught not to sell a product but a tailor-made solution to our customers. Classroom activities — presentation, role play, and group discussion — play a key role in nurturing the candidates, which can be taken forward in their Internship and On Job training period. The program concentrates heavily on the more practical aspects of learning making it more professional than other programs in the same category. The placement opportunity of the program gives young minds an opportunity for accelerated growth and seamless transition into the workforce. 6|Page

Interview of Prof. Meena Herle Q1. Ma’am, please enlighten us on how overwhelmed. You you started your journey in the banking sector and how did you cope up with the all are lucky to have challenges? received proper Ans- I began my career working in a corporation bank, I spent almost five and training before a half years before I moved to ICICI bank. In fact, I had seen computers only once or placement. My twice before joining ICICI. One day a funny incident took place - there was a customer suggestion to you who came across and asked us about whether we offer a parking account, to would be to take which I replied that he can park his car outside the building, because I thought he one work at a time & try to grasp things. was asking for car parking. The client was seeing me with a bewildered face but I’ve done banking for more than twenty fortunately, my manager was kind- hearted, so he came in and years, but there’s still so much to learn. superintendent the situation. Later he explained that a parking account is I’m just a small drop in that ocean of nothing but a savings account where people park their money. wisdom and knowledge. I feel that the This transition took some time, but of younger generation wants to achieve course we had amiable managers and seniors. We have also done everything- thing’s quickly but again we should like loading the ATM’s, dispenser, doing foreign exchange transactions etc. understand that good things take time. I would like to add a few words that \" According to me, banking as a career is learning is a journey and it will make us a better and improved person in the end\". very evolving, you will become an expert Q2. As we know the banking field has so of a particular product but again some much pressure, how did you cope up with it? new product will come in. Every customer Ans. I don’t know whether I’m the right will be a new learning, if you can make person to give you the advice, but I can definitely share my experience with you small notes and then refer back then, it all. The first time when you get into any organization you feel a little will keep you updated and maybe in two 7|Page months or three you will all be masters in what you do. Q3. How was your experience when you joined the branch? Some tips for us. Ans- We didn't have a chance to get trained. So, we learnt by trial and error. I will confess we have made mistakes like, a wrong entry, wrong postings, DD issued for the wrong amount, but you all are already trained so you will not have a leisure time to learn through trial and error. It will just be a plug and play kind of thing for all of you. It doesn't mean that you will be an expert in everything, but initially you will have that confidence of dealing with customers and doing day to day work like issuing DD and clearing of cheques. Everyone makes mistakes, but

the great part is that it makes you a better In the past I had many opportunities to person if you overcome them. move to Mumbai, but I wanted to be with my family, and I don't regret that decision Q4. Ma’am you have already been at the because I'm having a good life with my top-level management in the banking children. That is the biggest satisfaction. I field, if you were an CEO or MD of a understand organizations have a different bank, then what would be your vision perspective towards your job towards improving the banking sector responsibilities but then again if you are and what steps you would have taken to not satisfied in your life being at the do so. topmost level then that achievement is nothing but a fancy word beside your Ans - I believe I'm the C.E.O of IMA, and name, so I think satisfaction in life is really by that I don't mean that authority part, vital. but I mean that ownership of work and your responsibility towards an If I talk about here, at Manipal - A lot of organization. According to me, being good things are happening, and we have a responsible for your work is the biggest huge base. We have trained more than thing you will find across every leader. Of 28000 students, and many of them have course, initially, there can be a drop in joined from various states. In fact, when revenue and profit, but in the long run a you move ahead, you'll find many of your right decision will always give fruitful batch mates have moved across different results. The Indian banking sector is banks, working under different already very well developed, and it is designation so it is important to enjoy continuously evolving, so definitely it will learning new things because if you don't become best under the vision of our your life will become stagnant, and you quality leaders so, I think there is nothing will stop enjoying your work. So, keep much to talk about how I would have learning new things and keep evolving made changes being a CEO. As far as your yourself with the world. question is concerned- relate to organization so that you can adapt the dynamic changes and make changes accordingly. Q5. Being a woman how did you get along with your personal life and professional life? Ans- Firstly, if you can do good time management then half of the things are sorted and be very clear on your priorities. I personally think women also have a notion of being a superwoman, they want to experience all the colors of life. I think it's very important to define priorities. one person can't do everything, sometimes you need to make a sacrifice, and you need to be ready to do that. 8|Page

DeFi Just like the evolution is the answer for offer similar functions except that they run on everything that exist in human civilization peer-to-peer network such as blockchain so is for the finance world a new wave of which means no single entity has control over financial innovation is constantly upon us. the network one can lend out your crypto and earn interest and decentralized finance defy provides the solid rewards every minute get loans make peer to foundation for new financial services that are so powerful and adventures that we will look soon back on them and question how we ever operated without them , the global monetary crisis of 2008 had put peer trades of certain crypto assets on crypto many questions on practices of governments exchanges just like buying and selling stocks central banks and well-established players in on stock exchanges save for future as well as the sector the birth of Bitcoin in 2009 give the world another financial system one of the buying derivatives with a strictly software decentralized consensuses not centralized fiat based DeFi or decentralized finance is a collective term for financial products and services that are accessible to anyone with an internet connection with DFI the markets are always middleman rather than a company or institution facilitating a transaction DeFi being a recent innovation it comes with its share of risk and downsides as well as there is no clarity around regulations on cryptocurrency and platforms offering it open and there are no centralized authorities - Pratik Suryavanshi who can have control over Bitcoin in many Batch 7 ways was the first de if I application to be used in World followed by Ethereum in 2013 it works typically by engaging with DEA via smart contracts which are programmed that run on blockchain and can be triggered automatically when certain conditions are met which in turn are used to build apps decentralized apps most of which run on the blockchain this apps are like normal apps and 9|Page

BITCOINS Bitcoin is a type of a digital currency Some Important Facts that enables instant payments to anyone. Bitcoin was introduced in Originally Bitcoin was an alternative to 2009 Bitcoin is an open platform so Fiat money and has now become a anybody can access it and most important universally accepted medium of exchange thing is that not issued by any Central between the two parties involved. When authority. Bitcoin came onto the History market its rate was $0.08 but now it is growing so fast, reaching approximately The original Bitcoin is not clear who $60,000. founded it a person or a group of people The Bitcoin blockchain is a public Ledger who went by the identity of Satoshi that records Bitcoin transaction all the Nakamoto are said to have conceptualized transactions ever made are contained in a and accounting system in the aftermath of the 2008 financial crisis 10 | P a g e

publicly available open Ledger although in When crypto currency was introduced anonymous and an encrypted form called then everyone was afraid because nobody a blockchain believes digital currency but at present whole scenario was reversed in present Miners can also invest in Bitcoin because days to every age group now trusts in Bitcoin protocol is designed in such a way Bitcoin and they are interested to invest that every new Bitcoin is created at fixed our hard-earned money in digital platform rate. so that our Prime Minister also wants to set some limits for crypto in India in the Ledger public interest Conclusion - Akshat Jaiswal (21125930095) Batch 7 11 | P a g e

Cognitive banking in HDFC Bank The power of computing has grown Bot and a social commerce chat bot on expertly over the years and with This, Facebook Messenger – HDFC Bank on Chat. the significance of artificial intelligence With these solutions, we have been able to and machine learning also amplified since its enhance the overall user experience of not inception in 1950s the use of artificial only intelligence has pre cooled into our day to day HDFC Bank customers but also Non – HDFC reality and disrupted the way people Bank customers. Our customer service chat bot – EVA experience banking and financial services the Solves over 6 lakh queries on monthly basis HDFC Bank has also envisioned that AI with its saving 20,000+ man hours per month. This disruptive capabilities with revolutionize the engine has helped HDFC Bank to transform way banking services are provided to our digital customer service channel into a consumers and it is therefore among the few competitive asset. banks to have used artificial intelligence to Innovative AI backed solutions are not limited provide various services to customers, also to to only EVA, but we have also deployed a ride on its prime objective of becoming an one–stop chat bot solution on Facebook “artificial intelligence enabled Bank of the Messenger called HDFC Bank on Chat. future” there are numerous artificial Currently, this conversational and interactive intelligence initiatives at the bank which are platform also has the capability to provide either live or at various stages of the personalized solutions boasts of having development. 3,00,000+ unique users every month. It is the first chat bot-based e–commerce and These initiatives span across functions like payments platform service via Social Media customer service, banking transactions Channel and has been regarded as a ‘Success employee training and engagement, Story’ by Facebook. Our efforts in recruitment, operations, analytics and e- commerce, and payments. The underlying channelizing AI backed solutions do not end mission of HDFC Bank is to enable AI backed there. services ranging from commerce to care that HDFC Bank is also the first bank in India to can fulfil all the needs of HDFC Bank as well as introduce IRA – a humanoid robot for branch Non–Bank customers. Some of the key AI assistance. Launched at HDFC Bank’s branch initiatives which are live include Electronic Virtual Assistant (EVA), Intelligent Robotic Assistant (IRA) – a humanoid robot, Recruit 12 | P a g e

in Mumbai, IRA services customer’s experience at branches. Another on an average 60 disruptive innovation by HDFC Bank that customers on a daily paved the way for effective recruitment is its basis. The robot detects Recruit Bot. The recruit bot has the capability the presence of to identify the right candidate across customers through vision functional and personal skill sets and is ideal sensors and answers for large scale recruitment drives. queries/ guides them to the nearest counter. This has not only assisted the branch staff but -Vinod Maske (21125930161) has also added a delight factor to the Batch 7 13 | P a g e

The Absurdity in Low Lending The banking sector provides lungs to the edifice of the entire economy of the country. Banks provide necessary nutrients to different parts of the economy. The primary functions of banks are to lend credit to different stakeholders, However, COVID-19 which is a once in a lifetime crisis had made the banks risk averse in nature. According to RBI even after COVID, there was no increase in credit flow in the economy. The low lending tendency of banks has reduced the credit flow in the economy, which had affected the business cycle, new entrepreneurs, MSME and core industries. These sectors provide jobs to millions of people. Low availability of credit had affected the employment generation capacity of business houses, hence hurting the social benevolence, further adding to the point that small microfinances (MFIs) are struggling from cash crunch which provide easy credit to SHGs, agricultural credit. According to a world bank report, COVID had have 150mn people below the poverty line. The two factors, unemployment and higher inflation will create a fertile ground for social unrest in India. This is evident from the latest survey of NCRB that child labor, child trafficking, drugs usage is at rise. Howsoever, RBI's state of economic affair says that these inflationary potentials are due to local lockdowns which will subside after sometime, hence the fiscal policy should be aimed to revive growth. \"Risk-averse nature would be self- defeating for banks\". RBI governor, Shaktikanta Das. Risk-averse nature is the deviation from the primary function of banks. It would create impediment in rotation and further creation of wealth. Economic survey 2021 states the low wealth creation in India due to reduced savings of people. This will slow down the process of recovery of the economy in India and the vision of V shape recovery would remain a vision. Further, the vision of $5 trillion economy will also get delay. The private sector is facing a liquidity crunch and this had made infrastructural projects to pause mode. Infrastructures are the sin quo non for the economic development of the country. The real estate has the potential to drive the economy, however it is struggling for availability of cheap credit and easy financing. In this scenario, central government will have to borrow from market to pump liquidity in the economy, to uplift economy from vicious cycle of low production and slowdown, hence higher borrowing will reduce the credit rating of G-sec bonds, hence bond yield will reduce, and the borrowing will become costlier. The Options available Economy Survey 2021, Volume I suggest regulatory forbearance for banks. This option was used after the 2008 global Crisis. Under this bank will be advised to relax norms for restructuring assets without much regulatory oversight. This will lead to higher growth and the 14 | P a g e

revenue of banks will increase. RBI had opted for the accommodation stance by reducing the repo rate CRR for the banks. So much liquidity would be available to lend. RBI governor have also sent the conventional method of moral suasion. Recently, Gov of India have introduced Factory regulation Amendment bill, 2021, this will help MSME to get access to working capital instantly from banks without paying for importer to make payment and the surplus cash with bank which they are reluctant to lend will come into economy, hence a win- win situation for both. The real estate has been given the \"industry status\" tag to make cheap credit available. However, it would be crucial to see the effect of such measure. Government of India under ANB. 1.0, 2.0, 3.0 had announced for credit guarantee scheme for MSMEs, this will boost the confidence of banks to lend more. The need is to improve the bank- government interface for effective communication. The larger ecosystem suggests the greater role of banks and industrial houses in policy making so that their grievances could be addressed at the nascent stage and growth would be revived at the earliest. - Tanya Singh (Batch 8) (21225930161) 15 | P a g e

Start-ups in India: a world of full opportunities “THE ONLY THING WORSE THAN STARTING thread runs which is hard work, perseverance, SOMETHING AND correct strategic management and real time FAILING... IS NOT STARTING SOMETHING.” analysis of the business environment. OYO Rooms, Paytm, Shop clues, MakeMyTrip, Start-ups are the “in thing” in the Flipkart etc. is the endless list of successful business jargon of young budding start-ups ventures in the last decade where entrepreneurs today. whenever the entrepreneurs utilized SWOT Analysis economic development is talked about this beyond B-Schools textbooks. new adventure filled business ventures occupy a prime position. A start-ups venture Just like any other situations the flipside of could be defined as a new business that is in the coin represents the following shortcomings or issues in a start-up business the initial stages of operation, beginning to venture some of which can be- poor tenacity grow and is typically financed by an individual of the founders, lack of adequate finances, or small group of individuals. It is a young lack of proper strategic management, poor entrepreneurial, scalable business model built customer assessment etc. but overcoming on technology and innovation wherein the these issues is the major challenge and real founders develop a product t or service for opportunities lies beyond which they foresee demand through disruption of existing or by creating entirely these firewalls. The government is playing a new markets. major role in providing the budding The objectives of a start-up are to be one’s entrepreneur’s the guidance and support they own boss and to create employment to others need in the form of schemes like Start-up which warrants lot of endurance and sacrifice. India, National Initiative for Development and Numerous examples of success of startups Harnessing Innovations, Pradhan Mantri Yuva can be quoted through which a common Yojana. So, a bright future lies ahead where sky is not the limit. Let’s get started with START-UPS - Khyati Rai (Batch 8) (21225930121) 16 | P a g e

Patience & Time - The Kingmakers Patience is something which is the toughest and painful task offered to anyone. The worst part is that it's invigilator is time. Time which is never constant or say ever changing. Pl ease note the irony that time itself doesn't have patience to stop for a while but it checks other's patience. Even though the comic part is patience is grateful to time by thanking it for moving on, as patience says to time you, please proceed, your progress is my progress. So, now the question arises – Why the fight is left open between patience and time? Well, if you think deep then these two these two are basic essentials from where life evolved, civilization thrived, humankind found existence and so on, and as the scenes roll on, things get complicated then these two factors become the greatest teacher in anyone's life ever. If you want to find anything best, let it be a discovery or an invention, a sportsperson, a businessman, an ac tor, an artist and the list is long then just remember without any ambiguity that it was not an overnight effort but a long ordeal of conquering the patience and utilizing the time. And this interdependence of patience and time will keep on proliferating. ‘Time is God and Patience is it's devotee in the real sense’ - Anurag Singh (21125930008) Batch 7 17 | P a g e

Poetry YET TO SEE (21125930070) The beautiful horizon, I see TIME Which aligns up the sky and earth. The first thought that I reflect, is hope Time is free, but it's priceless. You can't own it but you can use That it’s not an end. it. You can't keep it, but you can But a beautiful beginning spend it. Once you've lost it, you Of another world, that can never get it back. I am yet to see…. - Srajan (Batch 7) -Shirley R. (Batch 7) (21125930078) (21125930070) YOU Start a journey with the goal Create magic that spark hearts Take the prideful carpet of Red Made of your blood and sweat Which will become a history Come out to the limelight Put up a good fight And SHINE SO BRIGHT! - Shirley R. (Batch 7) 18 | P a g e

ह िंदीकहिताए दास्तान-ए-सफ़र सपन ंि के सौदागर (The description of a journey) नहीं बनाया ककसी ने टाटा, बबरला, अबं ानी, वक्त के दामन में बस एक ख्वाब, अपने, खुद ही बने हंै सब अपने सपनों के सौदागर| राहों को तय करते हु ए मजं िल की ओर बढ़ चुके , राह नहीं थी बनी बनाई नहीं है कोई दास्तान-ए-सफ़र ही मंजिल की खूबसूरती बयान बड़ाज्ञानी, सब ने करी है कड़ी मेहनत, कफर है कर मेहनत रंग लाई| रही.... एक पल में नहीं बनता सब कु छ, दीवाने राही बस मदं मंद मुस्कराए बढ़ रहे। पल पल महे नत करके सब ने मजं िल है पाई| मंजिल की तलब ना रही, कल क्या होगा ना ध्यान ददया, बस काम ककया, बस राहों की कशिि ने समां सिाए रखा, राह मंे मुजककल उनके भी आई| वाददयों से गुफ़्तगू कर हम बढ़ते रहें मुजककल था मजं िल को पाना, बना ददया रास्ता, बस झड़ना ने हमें कु छ पल ररझाए रखा। चल ददए बबना ककए ककसी की परवाह| उन हसीन लम्हों को वक्त के दामन में आगे बढ़ते सुना है उन्होंने भी ताना-बाना, चले, लके कन कफतूर चढ़ा था कु छ पाने का| मजं िल से रूबरू होने की ख्वादहि में आगे बढ़ते चले तोड़ ददया सब का भ्रम, कर ददया सपनों को कु छ लम्हाट तस्वीरों से बयां करने की कोशिि की साकार, कु छ ददल मंे शसमट कर रह गए… ताना देने वालों ने हंसकर सत्कार ककया| उलझे हु ए सफर की राहें भी उतनी ही उलझी हु ई, बस हम उन्हें समझाते हु ए आगे बढ़ते चले, - हिन द मस्के बैच 7 कु छ लम्हाट तस्वीरों से बयां करने की कोशिि की… (21125930161) कु छ ददन में शसमट कर रह गए| -अनुराग कमल बैच 7 (21125930008) 19 | P a g e

र शनी हिंिदगी इस रोिनी में चल जिदं गी आसमा की छत से थोड़ा सा दहस्सा उसका भी है आि कु छ शसतारे नाचते हैं, हिसने चाक गीली शमट्टी रखकर यादों को दफन कर, कु छ कल आकार ददया है इस दीपक को और कु छ आि का स चते ैं, इस रोिनी मंे हौसलों के पंख लगाए, संघर्ष के थोड़ा सा दहस्सा उसका भी है तूफान को चीरते हैं, जिस ने उगाया है कपास चल जिदं गी सपनों की बाररि से तुम्हारी बाती के शलए आंखों की िमीन को सीखते हैं| थोड़ा सा दहस्सा उसका भी जिसके पसीने से बना है तले - अंिहकत ठाकु र इस रोिनी मंे Batch 7 थोड़ा सा दहस्सा (21125930006) उस अधं रे े का भी है िो ददए के नीचे पसरा है चुपचाप| - के शि Batch 7 (21125930028) 20 | P a g e

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Achievements Y Naveen Namrata Gupta Ganesh M Vamsi Krishna C3 Challenge Winner Best Outgoing Student Best CR Best Digital Innovation NISM TOPPERS Durgesh R Pawar Utkarsh Bisaria Depository Topper Mutual Fund Topper 24 | P a g e

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Editorial Board Rashmi Manocha Manju Priya R Ankit Rathod Sagar Saxena Rupesh Sharma 32 | P a g e

Acknowledgement We thank all for the contributions made which has made the future banker e-magazine a great success special thanks to Mrs. Meena Herle Ma’am, Deputy Director of MGABFSI for giving us her valuable time and sharing words of wisdom it will be a great guide for learners in their future endeavors this magazine is for future bankers and by the future bankers. It has articles ranging from aesthetic photos to creative content the variety of content is in essence of this magazine. Finally we would like to thank our pillar of strength HOD Professor Bobby Joseph, Professor Smita Venugopal and Professor Hari Raj. their guidance and energy are the force behind this great initiative. Thank You all! 33 | P a g e

HDFC Bank Milestones and Headlines • Best Private Bank Awards: o PWM Global Private Banking Award 2021 o Finance Asia Country Awards for Achievement 2021 o Euromoney Awards for Excellence o 25th Business Today - KPMG Best Bank Study o Asia money Best Bank Awards 2021 • In the Headlines: o Tamandu Achievement in Advances o HDFC Bank for the Society o \"#MoohBandRakho\" o HDFC Bank ties up with Equity Small Finance Bank o HDFC Bank wishes Happy Diwali in 10,000 ways • From the wise ones of HDFC Bank: o Aditya Puri- Can create another middle class in Rural o Rahul Shukla - Economy will only look up from here. o Aditya Puri - I am an INDIA BULL o Arvind Kapil - PL in 10 Seconds, it’s empowerment o Narayanan- HDFC Bank Branch Thrust • Annual Reports: o Integrated Annual Report 2020-2021 o Business Responsibility Report o MDs And CEOs Response on Integrated Annual Report o AGM Notice 2020-2021 HDFC Bank 34 | P a g e