In 1995, Mr. Radhakishan Damani was the largest individual shareholder in the HDFC Bank, he kept accumulating more. Experts asked: Why he was preferring HDFC Bank stock over many other options available at cheaper valuations. He replied: "Dharavi Dharavi hota hai aur Peddar Road.. Peddar Road hota hai. Aage jaake dekh lena". Great video! Please make more video on companies success story.
Woaahhhhh this is the 2nd time you have surprised me by taking my suggestion into consideration!!! Thanks alot think school and Ganesh Prasad!!!! loads of love and keep growing!!! 💚💕💞
Hi, I am currently looking for a case study titled: 'Firms that fell due to lack of ethics and integrity' as my project in college. Could please suggest me any firms or incidents that took place?
WOW, being a banking enthusiast I can tell how brilliantly you have managed to sum up this complex case study in easy-to-understand language. Congratulations on that.
Bhai.....don't forget that PSB are there to serve people. Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers. These systems may be better for tier-1 countries. But here, In our country, top 1% people has nearby 50% stake in our country's gdp. Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
All PSU banks have looted middle class, also part of major scam like dhfl. Hdfc has done trusted business, helped many to realize foreign dreams of many students with hazlefree loans. Customer service is also awesome.
HDFC never built the MicroBanker system(software) mentioned in the video. For non-tech and IT people -- i-Flex was basically CITI Group's Software development arm, previously known as COSL, then CITIL after they decided to serve banking needs not just for CITI Group, but for others as well. CITIL was the one that developed MicroBanker system. Later they developed a system called Flexcube which is basically a one-stop-system for banking. Post launch of Flexcube, CITIL rebranded as i-Flex, and then later on Oracle took over control and its now called OFSS, and Oracle Flexcube. I know quite a few people who worked on the original MicroBanker and Flexcube software. Plenty of Indian banks use Flexcube as their core banking solution.
Wow.. Super. Pls note the following Years. RTGS started- 2004 NEFT Started- 2005 CTS clearing (sending scanned image of cheque) started - 2008 - 2013. Dematerialising shares and Trading account started - 1991. Computerization using in banking u stated - late 1990. First electronic clearing fund started in India- 1990. But all these above facilities invented in India is by HDFC Bank which was started on 1995. Great 👍 What more to tell even cheque clearing introduced in India is by HDFC Bank in 1995. Before it Indians were using Telegram transfer.
I was one of the first account openers in Kottayam all because SBI behaved As if they were doling out money to me from my account. This attitude have me goosebumps . The ATM was introduced by them and I just found so much dignity in it rather than face that grumpy SBIi cashier who looked you up and down when your saving bank is hitting rock bottom. I treasured that dignity given by the ATM machines of HDFC. This bank earned my loyalty. I still find it easier and more innovative user-friendly etc. Thanks HDFC 🙏🏼
Really madam , work one day in Public sector bank and that will let you know the difference between how PRIVATE BANKS asks customers to maintain MINIMUM BALANCE of Rs.10000 and the public sector customer is getting 1000rs govt pension per month in the same SB A/C . These kind of things , you people never understand !!
@@vinothabishek07 I am not saying public is bad but their attitude changed once HDFC brought in revolutionary changes of customer satisfaction. The Nationalised banks changed their approach and they had the advantage of government support. So HDFC lead the way to that change.
I am currently with this bank. They just squeeze their employees like anything. No work environment, no work life balance. Nothing. No human value at all. Only join this bank if you do not have anything for years.
I have never thought anything informative could be this addictive, watching all the case studies as TV series.Amazed with the depth and understanding. Kudos to THINK SCHOOL for raising the bar of Indian content creativity level.
Kill your inefficiency before someone kills your business. That's great lesson to learn Ganesh, thanks, To know our inefficiencies we need to let go our egos but many don't do that, so in every business there is a chance for newbies.
Bhai.....don't forget that PSB are there to serve people. Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers. These systems may be better for tier-1 countries. But here, In our country, top 1% people has nearby 50% stake in our country's gdp. Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
@@just_a_curious_thinker oh really i m not a large company. I m an individual. Got treated like shit by SBI and PSU banks. But was treated very respectfully by HDFCBANK ICICIBANK Axisbank
A very simple view taken. Do you even have any idea of how much bullshit (not productive work) any SBI or nationalised bank officer has to do? Just check how many Jan Dhan accounts have been opened by HDFC Bank? It's the policies of the Govt alongwith pelf of suppliant officers in higher positions who are pushing for insurance etc. targets which is the bane of PSBs.
Bhai.....don't forget that PSB are there to serve people. Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers. These systems may be better for tier-1 countries. But here, In our country, top 1% people has nearby 50% stake in our country's gdp. Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
Every perception of HDFC agreed in toto . No denying . Good analysis. Keep it up . As I had replied in my previous response there cant be a successful comparison between these two entities ( Public and private ) as their roles towards the public at large are entirely varying . When one is for the masses with rs 100 or 200 as minimum balances catering to small and marginal farmers,weavers, uneducated small people ,small ,lower middle income savings accounts ( Jan dhan etc etc ) middle class households ( wanting to keep their small savings only in public sector banks so that they are free from irksome tech- oriented working , safety of the Govt backing for their hard-earned money , the commitment of the psu banks as custodians of the savings of masses with mountains of day-to-day problems , no security guards for 90 p.c. of the branches ,no locking at 4 pm sharp for the public ( with the result public utilising even the cash transactions counter at the mercy and goodwill of cashier's, well beyond the stipulated time of banking hours whereas "THE OTHER " is for HNIs NRIs ,high-end corporates with huge balances , minimum balance itself being rs. 10000 for any one , with every branch urban, rural having a security guard, NO LATE TRANSCRIONS BY PUBLIC, a strict NO to political influences ,interference ( only corporate frauds at apex level possible ) . So the inference is clear . Both are important ,both have their clearly demarked roles , both have their responsibility to the people at large . !!! ???? Thank you for reding
Bhai.....don't forget that PSB are there to serve people. Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers. These systems may be better for tier-1 countries. But here, In our country, top 1% people has nearby 50% stake in our country's gdp. Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
@@just_a_curious_thinker Bhai this is a misconception. No bank in this country is to "serve" people. Every commercial bank is here to do business. And that is lending money from where it can earn interest. Be it any private or PSU bank. Infact govt banks used to give loans to big rich and influencial buisness men like Vijay Malya and Nirav Modi without any collateral because these could had been very easily pressurized by politicians, which ultimately ended up in NPA. Apart from this, all scheduled commercial banks (PSU and private) give 40% of their loan portfolio to priority sector like education, agriculture, infrastructure etc, because RBI has mandated it. Biggest private sector banks like HDFC and ICICI are operating in rural areas of India, for which they have tailored their products accordingly.
Yes you may be right . But the thing in the market if you come up with one product offering huge benefits & other companies also giving same benefits . But customer service & customer satisfaction will be vary from one company to one company.( You will never have a product or price advantage again . They can be easily duplicated . But a strong customer service culture can not be copied ) Now you May be understand why HDFC Bank is good and potential compare to others
HDFC no doubt has very good technology platform which is very much required for today. HDFC had the freedom of using a sophisticated banking software, whereas the public sector banks were denied the same by committee/s where Mr Deepak Parekh was a chairman or a member. In the video, something regarding the attitude of the employees of HDFC also should have been mentioned. Many of their employees lie, cheat and are shameless to the boot, only to boost the company's profits. Also what is their role in social welfare activities for the not so rich Indians? Because of the database and strategic role HDFC has acquired, even China has invested in HDFC.
Bhai.....don't forget that PSB are there to serve people. Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers. These systems may be better for tier-1 countries. But here, In our country, top 1% people has nearby 50% stake in our country's gdp. Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
@@RammohanReddySolar employees cheat bcoz this bank want to sell life insurance, and only life insurance branch managers pressurise to sell life insurance in covid pandemic when a lot of people weren't having stable income. I personally had to listen to abuses of my clients and manager both, and by abuses I am saying literally abuses. I recently came across a coercion done by employee, where he had target of 5 lakh life insurance and he sold it to a lady, saying its a fd, a lady realised it when the life insurance company called her for next year premium and asked 5 lakhs which she didn't have. And technology its worst tech, and process also. If u want to change a simple contact no on ur ac via welcome desk it takes 5 days. U call it process. Now if u go to sbi u can get changed ur contact no in same day by offline form basis. Thats true I am an ex banker. Its only good for investors.
On similar lines you can make a detailed video on ICICI Bank as it had a very interesting journey from ICICI Ltd. in 1955 to the Present day technological behemoth. Further a comparison video between ICICI Bank and HDFC Bank can also be insightful. Rest i like all your videos and your presentation style. Keep up the good work.
That's an awesome idea, the audience would love a detailed comparison between ICICI and HDFC to establish a clear winner in the private banking sector..
Yes, I was gonna say that too... I was of the opinion that ICICI Bank was leading on the technology front and am sure they were the first bank to install 1000th ATM in India. A great presentation as always - this one. 👌🏼
I feel ICICI is much superior in terms of technology driven end user experience. HDFC is sort of rigid in processes and offers very less flexibility and use experience.
Brilliantly explained and researched, loved how you simplified even the most complex jargons. Super fascinating to know that HDFC were the pioneers of Internet Banking, an absolutely revolutionary technology.
Bhai.....don't forget that PSB are there to serve people. Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers. These systems may be better for tier-1 countries. But here, In our country, top 1% people has nearby 50% stake in our country's gdp. Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
Excellent piece of information. One suggestion, HDFC (Ltd.) and HDFC Bank are 2 separate entities . Should not be used as one. Also HDFC Bank doesn't give housing loans, it is done by HDFC Ltd.
Not just in India. Per what I have read, even US and EU moved from t+5 to t+2 settlement because of iflex solution. In fact US govt has asked oracle to take over iflex immediately very quietly as they saw the risk of entire US banking backend within the realm of an Indian company. Now what's interesting is the next phase, UPI can help banks take to T+0 settlement. Means same day settlement for all stocks, commodities trades. This will revolutionize the economy iitself.
I am an ex employee of iflex. Iflex was bought over by Oracle and the entity came to called as Oracle financial software services limited (OFSS). I was not aware of the background why they bought. I know now
You know what nowadays so many things are coming infront of me that says 'india had potential but never got chance'. Usa could buy the company otherwise just imagine where that company and India would have been.
Someone misinformed you. Its not UPI which helps T+0. Its the business model. All the transactions in broking or even in normal banking are notional. Means funds actually does not moved. RTGS is the way for those transactions.
What you are telling is HDFC was one of first banks to introduce internet based centralized banking system and combination of demat cum trading accounts etc etc. That's all was technology backed deposit gathered by the bank. But what if a bank doesn't properly deploy such deposits thru loans. After all if you buy money then you have to sell money to earn. So the second and most important part of success of this bank was wise lending thru innovative loan processes and products. Third one was the drastic change in customer services that PSB was unable to deliver. Still today many PSB treat all customers equally and all have to stand in q there irrespective of a customers business value for a bank.
Yes The strict loan policies of HDFC bank made them a great bank and safe for fixed deposit evthen they charge less interest rate for FD.Their gross NPA and net NPA are so low when compared to other national banks The main man behind HDFC Aditya puri
I have 4 roommates and all of them have to open HDFC salary accounts when they started their jobs. And just 2 days ago I was questioning them why it is, and ioronically I was just scrolling through RUclips and this got recommended, great content. 👍
@@sivareddynadikattu5652 Actually only 1 should be there for doing all sorts of gadha majduri work. Why to keep so many donkies when only one is necessary
Wonderful explanation given. Appreciated. Public sector banks as you said are not innovative, Not efficient, not agile etc etc. The priority sector advances at the instance of Govt of India created a great field for Agri, rural economy, msme, , large industries, and other social sector and nation building exercise which HDFC can never imagine and also might not have been interested to do . Their only mantra was profits, profits, profits. Govt later on ( especially cong. Govt) converted all public banks into their own corrupt,family, power , phonebanking institutions to lend left and right with absolute control of banks and the current NPA situation In public sector banking is due to their authority , control and power . Who can stop this. This was a Bane on public sector and boon on private banks like HDFC who could say " GET LOST" to Govt interference . Can anyone refute my angle . I am only giving out the factsheet, the history. Not supporting or opposing . This was the curse on public sector . I retired as a public sector banker . That's all. Thanks for reading 🙂
The attitude of some staff of p. s.u .banks might be condemnable .no denying .for that matter any Govt servant in Govt dept thinks he is the PM. Why blame only PSU bankers . There are innumerable employees like me who have done great service ( beyond ones department) to satisfy the constituent of the banks in so many ways . Don't generalise the industry like blaming the entire auto driver community . Don't be prejudiced. Ultimately the character and attitude of the employee only matters be it public or private . Thanks.
Excellent video, make video on Unified Payments Interface (#UPI) that has revolutionized the way we do Payments. No other payment system in the world is even near to it, be it in terms of technology or transactions. It's a great example of how Technology can empower ordinary Indian and make our life much more easier!
People would definitely love a video on how UPI changed the payments game. By the way, we at Stoa have created a video on the journey of the largest Indian player in the digital payments space. Check it out here - ruclips.net/video/UvHcyfEKV10/видео.html
Yes. Technology massively improves your way of life than politics etc will. Economy and all other fields should try to support it in making people's lives better.
You are right except you forgot to mention that the QAB charges are 10000. So what about the poor people of the society who earn even less than that even in a month. All private banks have helped definitely but PSBs also play a great role. Both are equally important in our country. And now days even PSBs are fast catching up.
Yes exactly you are right Building this great India can be done by PSBs only, all these educational loans are given by PSB only, HDFC won't come and do good for nation ,their only moto is profit
Present buddy ❤️ Loved this one❤️as usual Thank you for being so consistent as a teacher❤️and also for being so hard working❤️ Best wishes to both of you❤️ Ye Dil Maange More ❤️
I think you can also create a part 2 by focusing on how they grew in retail banking , their leverage of technology vis a vis ICICI and even how they became the king in record credit card holders in india
I am sure all these things were revolutionary. Today, as a retail customer, I find HDFC Bank the most backward in net banking- these guys have become smug- the user interface is not so customer friendly- taking customers for granted for example in asking customers to go to a branch if they had to partially liquidate their FDs. Or you cannot open a FD for anything less than 6 months- just showing how much they cared about their customers!! Terrible is the only word that springs to my mind
Sir I would like thank u for the contribution towards my journey.learning lots of thing from your videos .its been 1.5 years as your subscriber.lots of love from TRIPURA, INDIA. THANK YOU GENUINELY
Salary account is another success story for HDFC Bank. I still remember pride in getting my salary account in 2003 working with Wipro ever since I never changed by bank. Every other company has tie up with HDFC. Happy with HDFC till now.
a small add on to this exhaustive study, brilliatly done by the way...is that, HDFC boldly took to deploy credit card to even moderate to high risk indivisuals with a good system of checks and balances and tested contingency...credit cards become another pillar fr HDFC to jump stride ahead....i used to casually watch your videos that popped upon my feed every once in a while, but this one was a masterpiece, you've earned my sub
I came here to learn how to invest after listening to a guy on radio talk about the importance of investing and how he made $960,000 in 4 months from $160k, somehow this video has helped shed light on some things, but I'm still confused, I'm a newbie and I'm open to ideas.
Having monitored my portfolio performance which has made a jaw dropping $470k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market.
@@pablosmith1747 Hi. Am trading with expert Mrs Mitchell Roland, a regulated broker in the US. Met her sometime early last year at a startup funding event. She had some interesting things to say about the state of algorithmic trading today.very obviously I'm seeing the results.
Hi ThinkSchool, great content. On sideline, can think about reviewing Sharktank episodes in a financial and strategical or market perspective? I really want to hear your take on it, thanks again
Amazing case studies. I always look forward to your videos. It gives me an inside perspective about different companies and brands. Keep doing the good work.
How does this whole bitcoin thing work, I'm interested in it and I'm willing and ready to invest heavily in it but I'm gonna need an assistant from any trusted and productive professional
@@Mary.173 I will recommend Mrs Mitchell Bryan Trading Services for you their strategies is working for me at the moment and making good profit from bitcoin trading
Think scholl and Akshat Shrivastava channel are such full of content. They give you box full of powerful information in finance and business case study. Than my whole course of MBA, couldn't help to understand business. Thank mate!
Sadly, most of the banks except HDFC have financial profit numbers in negative and they make profit from other sources such as credit card fees, maintainence fees etc. Even though HDFC's financial profit is in positive but they too make a lot of money from other sources
That's what I thought the bank lets me keep my money and gives me interest how the hell are they even earning anything besides flowing(no profit no gain) my money in their cross connections.
You just made explanation of whole banking system so easy that even kindergarten kid can understand. Great work and explanations. Hope your channel reach even higher and higher.
Here's a word of advice, he won't share his secrets that makes him successful, no matter how sweetly you ask him. No one wants competition 🙂 you can only rely on yourself, not others
@@marushkapinto7035 i also create content on my channel so that could help me create better content This is the same account where i create content on RUclips
@Think School @Ganesh - Everyday it has become an habit for me to open one of your video just to see when this amazing channel will hit million subscribers. Very well deserved channel and an amazing orator 👏 God bless.
Bro a civil engg by academic s has shown to us what a wonder be created with knowledge out of box... Highly appreciable.. damn sure you will reach million in February.... Support everyone...Ganesh is. Best among rest ।।।
But HDFC has an advantage They do not have a rural banking obligation. This is an advantage they have over PSB's and unlike PSB's they never had any legacy issues as a result they started with CBS. Inspite of this PSU's have still remained as leader.
Bhai.....don't forget that PSB are there to serve people. Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers. These systems may be better for tier-1 countries. But here, In our country, top 1% people has nearby 50% stake in our country's gdp. Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
I feel ICICI is much superior in terms of technology driven end user experience. HDFC is sort of rigid in processes and offers very less flexibility and use experience. Thanks for continues knowledge sharing and excellent case studies.
It's worst in process, it takes 7 days to open a simple sole proprietor current ac, and they take cheques only, the cheque is deposited into thier branch ledger ac, which sits idle for 7 days. That means bank earns interest on ur money, but u don't . Hdfc has become very pathetic bank, both for customers and employees, also if u don't buy cross sell products via branch they won't do ur any work.
Good elaboration and I am happy that our banking systems utilize the IT competencies of our country. The same shall go for other sectors to use it as you say revolutionize how India works. Internet banking has indeed changed our lives for better. DDs and Cheques are things of the past. Scrutiny of consortias has to be studied to understand the loan racket of the banks. Technology if utilized hands-on will not result in long term revenue grosser rather it should be harnessed for an all-round banking system to improve service standards. Once again Ganesha you have done a good analysis and kindly do enliven us on how stock market systems work and ways to improve it to international standards.
Hey Ganesh! Great video as always. I'm impressed by your research on HDFC and Asian Paints. Could you please tell us how you conduct such in-depth research on companies and how we can do the same? Please tell us the whole process, what references you use, how much time it takes etc. Thanks in advance
Also, one major contributor to the growth of private banking sector are the govt banks and the lethargic attitude of their employees. They behaved as if they were doing a favour to the customer.
I agree with all the points, but currently they are way behind ICICI in term of digitalization. If they dont pull up the socks now it will be another disruption in Banking sector.
reading about people grabbing multi-figures monthly as incomes in investments even in this crazy days in the market, any pointers on how to make substantial progress in earning? would be appreciated.
@@kaydenjayden7081 You don't need to be surprised because l'm also a huge beneficiary of expert Mrs Donna trading service,I'winningg consistently trading with with her
Invest in the House of HDFC smallcase : link.smallcase.com/vOvEJXmxgnb
In 1995, Mr. Radhakishan Damani was the largest individual shareholder in the HDFC Bank, he kept accumulating more.
Experts asked: Why he was preferring HDFC Bank stock over many other options available at cheaper valuations.
He replied: "Dharavi Dharavi hota hai aur Peddar Road.. Peddar Road hota hai. Aage jaake dekh lena".
Great video! Please make more video on companies success story.
Woaahhhhh this is the 2nd time you have surprised me by taking my suggestion into consideration!!!
Thanks alot think school and Ganesh Prasad!!!! loads of love and keep growing!!! 💚💕💞
Hi, I am currently looking for a case study titled: 'Firms that fell due to lack of ethics and integrity' as my project in college. Could please suggest me any firms or incidents that took place?
Please Make video on this topic - 5 books that made you Ganesh Prasad
@thinkschool I admire your unique way to explain the underlying business lessons. Please do a case study on reddit. It would help me in my startup.
WOW, being a banking enthusiast I can tell how brilliantly you have managed to sum up this complex case study in easy-to-understand language. Congratulations on that.
Thanks for appreciating that buddy :)
ruclips.net/video/2XUFoDhRbq8/видео.html
O Cmon...go watch The Thrive Documentary...the banks are one...they all are under IMF and world Bank ...the elites own them...so stop fooling people
Bhai.....don't forget that PSB are there to serve people.
Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers.
These systems may be better for tier-1 countries. But here,
In our country, top 1% people has nearby 50% stake in our country's gdp.
Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
All PSU banks have looted middle class, also part of major scam like dhfl. Hdfc has done trusted business, helped many to realize foreign dreams of many students with hazlefree loans. Customer service is also awesome.
HDFC never built the MicroBanker system(software) mentioned in the video.
For non-tech and IT people -- i-Flex was basically CITI Group's Software development arm, previously known as COSL, then CITIL after they decided to serve banking needs not just for CITI Group, but for others as well. CITIL was the one that developed MicroBanker system. Later they developed a system called Flexcube which is basically a one-stop-system for banking. Post launch of Flexcube, CITIL rebranded as i-Flex, and then later on Oracle took over control and its now called OFSS, and Oracle Flexcube.
I know quite a few people who worked on the original MicroBanker and Flexcube software. Plenty of Indian banks use Flexcube as their core banking solution.
It’s a useless system. Plenty of banks are stuck with Flexcube. Many banks in India use Finacle, which is a far better application than Flexcube
Wow.. Super.
Pls note the following Years.
RTGS started- 2004
NEFT Started- 2005
CTS clearing (sending scanned image of cheque) started - 2008 - 2013.
Dematerialising shares and Trading account started - 1991.
Computerization using in banking u stated - late 1990.
First electronic clearing fund started in India- 1990.
But all these above facilities invented in India is by HDFC Bank which was started on 1995.
Great 👍
What more to tell even cheque clearing introduced in India is by HDFC Bank in 1995. Before it Indians were using Telegram transfer.
I was one of the first account openers in Kottayam all because SBI behaved As if they were doling out money to me from my account. This attitude have me goosebumps . The ATM was introduced by them and I just found so much dignity in it rather than face that grumpy SBIi cashier who looked you up and down when your saving bank is hitting rock bottom. I treasured that dignity given by the ATM machines of HDFC. This bank earned my loyalty. I still find it easier and more innovative user-friendly etc. Thanks HDFC 🙏🏼
Thats why privatisation is most important.
Really madam , work one day in Public sector bank and that will let you know the difference between how PRIVATE BANKS asks customers to maintain MINIMUM BALANCE of Rs.10000 and the public sector customer is getting 1000rs govt pension per month in the same SB A/C .
These kind of things , you people never understand !!
Very true
@@vinothabishek07 I am not saying public is bad but their attitude changed once HDFC brought in revolutionary changes of customer satisfaction. The Nationalised banks changed their approach and they had the advantage of government support. So HDFC lead the way to that change.
@@vinothabishek07 u will never change 😂. If u give the same service I will gift that 10k to public bank forget abt min balance. Challenge 🤣🤣
I am currently with this bank. They just squeeze their employees like anything. No work environment, no work life balance. Nothing. No human value at all. Only join this bank if you do not have anything for years.
Am ex employed
Selling Traditional investment products in the name of SIP is common in banks
I have never thought anything informative could be this addictive, watching all the case studies as TV series.Amazed with the depth and understanding.
Kudos to THINK SCHOOL for raising the bar of Indian content creativity level.
Thank you so much ❤️
Kill your inefficiency before someone kills your business.
That's great lesson to learn Ganesh, thanks,
To know our inefficiencies we need to let go our egos but many don't do that, so in every business there is a chance for newbies.
Fabulous content as always ❤️
But irony is HDFC Bank recently got penalised by RBI for issues in its digital banking 😂
That's part of the business
O Cmon...go watch The Thrive Documentary...the banks are one...they all are under IMF and world Bank ...the elites own them...so stop fooling people
@@Kamal67811 lol so u don't own banking stocks ?
Bhai.....don't forget that PSB are there to serve people.
Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers.
These systems may be better for tier-1 countries. But here,
In our country, top 1% people has nearby 50% stake in our country's gdp.
Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
@@just_a_curious_thinker oh really i m not a large company. I m an individual. Got treated like shit by SBI and PSU banks. But was treated very respectfully by HDFCBANK ICICIBANK Axisbank
Think school never disappoints us .
ruclips.net/video/2XUFoDhRbq8/видео.html
Wise words ever said: Kill your inefficiency before someone kills your business.
Sbi is still largest bank of India, its officers made hdfc successful as govt wants to pay 40lac salary to sbi chairman while hdfc was paying 40cr.
Sbi third class bank
A very simple view taken. Do you even have any idea of how much bullshit (not productive work) any SBI or nationalised bank officer has to do? Just check how many Jan Dhan accounts have been opened by HDFC Bank? It's the policies of the Govt alongwith pelf of suppliant officers in higher positions who are pushing for insurance etc. targets which is the bane of PSBs.
Sbi is the only bank of India where a poor can also open his bank account. While in HDFC u have to maintain minimum 10000 balance in ur account
Bhai.....don't forget that PSB are there to serve people.
Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers.
These systems may be better for tier-1 countries. But here,
In our country, top 1% people has nearby 50% stake in our country's gdp.
Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
Every perception of HDFC agreed in toto . No denying .
Good analysis. Keep it up .
As I had replied in my previous response there cant be a successful comparison between these two entities
( Public and private )
as their roles towards the public at large are entirely varying . When one is for the masses with rs 100 or 200 as minimum balances catering to small and marginal farmers,weavers, uneducated small people ,small ,lower middle income savings accounts ( Jan dhan etc etc ) middle class households ( wanting to keep their small savings only in public sector banks so that they are free from irksome tech- oriented
working , safety of the Govt backing for their hard-earned
money , the commitment of the psu banks as custodians of the savings of masses with mountains of day-to-day problems , no security guards for 90 p.c. of the branches ,no locking at 4 pm sharp for the public ( with the result public utilising even the cash transactions counter at the mercy and goodwill of cashier's, well beyond the stipulated time of banking hours whereas "THE OTHER " is for HNIs NRIs ,high-end corporates with huge balances , minimum balance itself being rs. 10000 for any one , with every branch urban, rural having a security guard,
NO LATE TRANSCRIONS BY PUBLIC,
a strict NO to political influences ,interference ( only corporate frauds at apex level possible ) . So the inference is clear . Both are important ,both have their clearly demarked roles , both have their responsibility to the people at large . !!! ???? Thank
you for reding
In market we say :
ICICI develop a scheme
HDFC executes it in perfect manner
ICICI is the worst private bank....
@@rahulvaidya6753 I don't know
But as a banker myself i know who they work
@@ayushverma5382 as a banker my self working in ICICI Bank, I would like to know for whom they work?
Bhai.....don't forget that PSB are there to serve people.
Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers.
These systems may be better for tier-1 countries. But here,
In our country, top 1% people has nearby 50% stake in our country's gdp.
Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
@@just_a_curious_thinker Bhai this is a misconception. No bank in this country is to "serve" people. Every commercial bank is here to do business. And that is lending money from where it can earn interest. Be it any private or PSU bank. Infact govt banks used to give loans to big rich and influencial buisness men like Vijay Malya and Nirav Modi without any collateral because these could had been very easily pressurized by politicians, which ultimately ended up in NPA. Apart from this, all scheduled commercial banks (PSU and private) give 40% of their loan portfolio to priority sector like education, agriculture, infrastructure etc, because RBI has mandated it. Biggest private sector banks like HDFC and ICICI are operating in rural areas of India, for which they have tailored their products accordingly.
been a dissatisfied HDFC account holder... the bank may be a success itself, but personnally felt like their customer service is poor and unreliable
Yes you may be right .
But the thing in the market
if you come up with one product offering huge benefits & other companies also giving same benefits . But customer service & customer satisfaction will be vary from one company to one company.( You will never have a product or price advantage again . They can be easily duplicated . But a strong customer service culture can not be copied
)
Now you May be understand why HDFC Bank is good and potential compare to others
HDFC no doubt has very good technology platform which is very much required for today.
HDFC had the freedom of using a sophisticated banking software, whereas the public sector banks were denied the same by committee/s where Mr Deepak Parekh was a chairman or a member.
In the video, something regarding the attitude of the employees of HDFC also should have been mentioned. Many of their employees lie, cheat and are shameless to the boot, only to boost the company's profits.
Also what is their role in social welfare activities for the not so rich Indians?
Because of the database and strategic role HDFC has acquired, even China has invested in HDFC.
Bhai.....don't forget that PSB are there to serve people.
Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers.
These systems may be better for tier-1 countries. But here,
In our country, top 1% people has nearby 50% stake in our country's gdp.
Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
@@RammohanReddySolar employees cheat bcoz this bank want to sell life insurance, and only life insurance branch managers pressurise to sell life insurance in covid pandemic when a lot of people weren't having stable income. I personally had to listen to abuses of my clients and manager both, and by abuses I am saying literally abuses. I recently came across a coercion done by employee, where he had target of 5 lakh life insurance and he sold it to a lady, saying its a fd, a lady realised it when the life insurance company called her for next year premium and asked 5 lakhs which she didn't have. And technology its worst tech, and process also. If u want to change a simple contact no on ur ac via welcome desk it takes 5 days. U call it process. Now if u go to sbi u can get changed ur contact no in same day by offline form basis. Thats true I am an ex banker. Its only good for investors.
Visit SBI once and all your dissatisfaction with HDFC bank will turn into extreme satisfaction
On similar lines you can make a detailed video on ICICI Bank as it had a very interesting journey from ICICI Ltd. in 1955 to the Present day technological behemoth. Further a comparison video between ICICI Bank and HDFC Bank can also be insightful.
Rest i like all your videos and your presentation style. Keep up the good work.
That's an awesome idea, the audience would love a detailed comparison between ICICI and HDFC to establish a clear winner in the private banking sector..
Yes, I was gonna say that too... I was of the opinion that ICICI Bank was leading on the technology front and am sure they were the first bank to install 1000th ATM in India.
A great presentation as always - this one. 👌🏼
I feel ICICI is much superior in terms of technology driven end user experience. HDFC is sort of rigid in processes and offers very less flexibility and use experience.
@@rathoredurgesh yes... Agree totally... 👍🏻
@@rathoredurgesh icici anyday, except for the black Era ending up with their top Lady boss behind bars in the videocon scam..
Brilliantly explained and researched, loved how you simplified even the most complex jargons.
Super fascinating to know that HDFC were the pioneers of Internet Banking, an absolutely revolutionary technology.
Thank you so much guys ❤️ :)
Love the support
I just completed your case study before this 🤣
Bhai.....don't forget that PSB are there to serve people.
Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers.
These systems may be better for tier-1 countries. But here,
In our country, top 1% people has nearby 50% stake in our country's gdp.
Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
@@just_a_curious_thinker But govt supports capitalism.
Excellent piece of information. One suggestion, HDFC (Ltd.) and HDFC Bank are 2 separate entities . Should not be used as one. Also HDFC Bank doesn't give housing loans, it is done by HDFC Ltd.
This comment has aged pretty well 😂
@@sehajsingh9445 😂😂
Might be time to update the comment! :)
Hdfc killed a comment
@@sehajsingh9445 exactly my thought 🤣
Not just in India. Per what I have read, even US and EU moved from t+5 to t+2 settlement because of iflex solution. In fact US govt has asked oracle to take over iflex immediately very quietly as they saw the risk of entire US banking backend within the realm of an Indian company. Now what's interesting is the next phase, UPI can help banks take to T+0 settlement. Means same day settlement for all stocks, commodities trades. This will revolutionize the economy iitself.
I am an ex employee of iflex. Iflex was bought over by Oracle and the entity came to called as Oracle financial software services limited (OFSS). I was not aware of the background why they bought. I know now
You know what nowadays so many things are coming infront of me that says 'india had potential but never got chance'. Usa could buy the company otherwise just imagine where that company and India would have been.
@@prasannasandur8238 iflex was part of citi group.
Someone misinformed you. Its not UPI which helps T+0. Its the business model. All the transactions in broking or even in normal banking are notional. Means funds actually does not moved. RTGS is the way for those transactions.
Very pertinent statement - Kill your inefficiencies before someone else kills your business. Informative and interesting video as always
"Kill your inefficiencies before others killl your business " - ThinkSchool 2022
What you are telling is HDFC was one of first banks to introduce internet based centralized banking system and combination of demat cum trading accounts etc etc. That's all was technology backed deposit gathered by the bank. But what if a bank doesn't properly deploy such deposits thru loans. After all if you buy money then you have to sell money to earn. So the second and most important part of success of this bank was wise lending thru innovative loan processes and products. Third one was the drastic change in customer services that PSB was unable to deliver. Still today many PSB treat all customers equally and all have to stand in q there irrespective of a customers business value for a bank.
Extremely well made point, that’s an interesting way to look at things!
Yes The strict loan policies of HDFC bank made them a great bank and safe for fixed deposit evthen they charge less interest rate for FD.Their gross NPA and net NPA are so low when compared to other national banks The main man behind HDFC Aditya puri
I have 4 roommates and all of them have to open HDFC salary accounts when they started their jobs. And just 2 days ago I was questioning them why it is, and ioronically I was just scrolling through RUclips and this got recommended, great content. 👍
I hope the public sector will oneday create a story that think school would teach us
Ha ha 😂😂😂
ISRO ❤️
May be in parallel universe. The attitude got into there blood.
Already Government is ready to privatize in future only 3-4 public banks will be there.
@@sivareddynadikattu5652 Actually only 1 should be there for doing all sorts of gadha majduri work. Why to keep so many donkies when only one is necessary
Wonderful explanation given. Appreciated. Public sector banks as you said are not innovative, Not efficient, not agile etc etc. The priority sector advances at the instance of Govt of India created a great field for Agri, rural economy, msme, , large industries, and other social
sector and nation building exercise which HDFC can never imagine and also might not have been interested to do . Their only mantra was profits, profits, profits. Govt later on ( especially cong. Govt) converted all public banks into their own corrupt,family, power , phonebanking institutions to lend left and right with absolute control of banks and the current NPA situation
In public sector banking is due to their authority , control and power . Who can stop this. This was a Bane on public sector and boon on private banks like HDFC who could say " GET LOST" to Govt interference . Can anyone
refute my angle . I am only giving out the factsheet, the history. Not supporting or opposing . This was the curse on public sector . I retired as a public sector banker . That's all. Thanks for reading 🙂
🤣🤣🤣🤣. Yes public sector bank is too good to keep in personal banking requirements. Cz they behave like a god...
The attitude of some staff of p. s.u .banks might be condemnable .no denying .for that matter any Govt servant in Govt dept thinks he is the PM. Why blame only PSU bankers . There are innumerable employees like me who have done great service ( beyond ones department) to satisfy the constituent of the banks in so many ways . Don't generalise the industry like blaming the entire auto driver community . Don't be prejudiced. Ultimately the character and attitude of the employee only matters be it public or private . Thanks.
I never miss a single minute of Think School. Genius in the making.
In 1999 and 2000 e banking already had started . I was using AnZ Grindlays and ICICI for day to day banking .
Kill your inefficiency before someone kills your business!
Mind blowing, thanks for sharing this.
When corporate bank is confined to one state,how hdfc has branches all-over india.?Back in 1998
Its about national banks hdfc is private bank
No fuss direct to the point, knowing many things which I never knew earlier..Thanks for these informative videos
bro great video . loved it . budget 2022 analysis also
'Kill your inefficiency before someone kills your business' 🙌
Please make a case study videos on Pidilite and Relaxo footwear
Excellent video, make video on Unified Payments Interface (#UPI) that has revolutionized the way we do Payments. No other payment system in the world is even near to it, be it in terms of technology or transactions. It's a great example of how Technology can empower ordinary Indian and make our life much more easier!
People would definitely love a video on how UPI changed the payments game.
By the way, we at Stoa have created a video on the journey of the largest Indian player in the digital payments space.
Check it out here - ruclips.net/video/UvHcyfEKV10/видео.html
True!
Yes. Technology massively improves your way of life than politics etc will. Economy and all other fields should try to support it in making people's lives better.
You are right except you forgot to mention that the QAB charges are 10000. So what about the poor people of the society who earn even less than that even in a month. All private banks have helped definitely but PSBs also play a great role. Both are equally important in our country. And now days even PSBs are fast catching up.
Yes exactly you are right Building this great India can be done by PSBs only, all these educational loans are given by PSB only, HDFC won't come and do good for nation ,their only moto is profit
That's why Psb are in Loss and govt are infusing Billions of dollars of Taxpayers money and all goes in Vain
HDFC is just the most convenient bank to use as well. Their apps and web interface were also both feature packed and user friendly.
Nothing short of brilliance in discussing complex banking in simplistic understandable language.
Present buddy ❤️
Loved this one❤️as usual
Thank you for being so consistent as a teacher❤️and also for being so hard working❤️
Best wishes to both of you❤️
Ye Dil Maange More ❤️
In which class did you study
ruclips.net/video/2XUFoDhRbq8/видео.html
The infographics make it absolutely clear.
I think you can also create a part 2 by focusing on how they grew in retail banking , their leverage of technology vis a vis ICICI and even how they became the king in record credit card holders in india
O Cmon...go watch The Thrive Documentary...the banks are one...they all are under IMF and world Bank ...the elites own them...so stop fooling people
Having worked for iflex and currently working for a foreign bank trying to simplify things this evolution of Indian banking is interesting.
I am sure all these things were revolutionary. Today, as a retail customer, I find HDFC Bank the most backward in net banking- these guys have become smug- the user interface is not so customer friendly- taking customers for granted for example in asking customers to go to a branch if they had to partially liquidate their FDs. Or you cannot open a FD for anything less than 6 months- just showing how much they cared about their customers!! Terrible is the only word that springs to my mind
Really well explained in a concise manner. Big fan from Singapore!
Sir I would like thank u for the contribution towards my journey.learning lots of thing from your videos .its been 1.5 years as your subscriber.lots of love from TRIPURA, INDIA.
THANK YOU GENUINELY
Salary account is another success story for HDFC Bank. I still remember pride in getting my salary account in 2003 working with Wipro ever since I never changed by bank. Every other company has tie up with HDFC. Happy with HDFC till now.
@Think school : can you come up with IPO so i can stay invested early :P
a small add on to this exhaustive study, brilliatly done by the way...is that, HDFC boldly took to deploy credit card to even moderate to high risk indivisuals with a good system of checks and balances and tested contingency...credit cards become another pillar fr HDFC to jump stride ahead....i used to casually watch your videos that popped upon my feed every once in a while, but this one was a masterpiece, you've earned my sub
I came here to learn how to invest after listening to a guy on radio talk about the importance of investing and how he made $960,000 in 4 months from $160k, somehow this video has helped shed light on some things, but I'm still confused, I'm a newbie and I'm open to ideas.
Investing in stocks is a good idea, a good trading system would put you through many days of success.
Having monitored my portfolio performance which has made a jaw dropping $470k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market.
@Benjamin Paulo Exactly, the trick is to diversify your investment, don't panic when everyone else is and invest consistently.
@@drelliotn.kennedy988 Hello Do you trade on your own?
@@pablosmith1747 Hi. Am trading with expert Mrs Mitchell Roland, a regulated broker in the US. Met her sometime early last year at a startup funding event. She had some interesting things to say about the state of algorithmic trading today.very obviously I'm seeing the results.
I am a proud HDFC employee. ❤️❤️
Hi ThinkSchool, great content. On sideline, can think about reviewing Sharktank episodes in a financial and strategical or market perspective? I really want to hear your take on it, thanks again
Yes that would be great
Yes Bro, much required
Amazing content and presentation makes this channel as my go to finance channel
Im no where related to business management but I watch every video of yours🔥🔥
Wow. Excellently communicated how to reinvent and try in business
Amazing case studies. I always look forward to your videos. It gives me an inside perspective about different companies and brands. Keep doing the good work.
Hey I always love the presentation that you do in your videos. Can you tell how to make this kind of presentation.
Bitcoin is the future, Investing in it now will be the wisest thing to do especially with the current rise
For real it's very profitable
How does this whole bitcoin thing work, I'm interested in it and I'm willing and ready to invest heavily in it but I'm gonna need an assistant from any trusted and productive professional
@@Mary.173 You don't really need someone to tell you how to invest your coins, you can make research on your own and also try doing it yourself first.
@@Mary.173 I will recommend Mrs Mitchell Bryan Trading Services for you their strategies is working for me at the moment and making good profit from bitcoin trading
Wow I'm just shocked you mentioned and recommended Mrs Mitchell Bryan Trading Services, I thought people don't know them... they're really awesome!
Great explanation 👍👍❤️
Patil ala!! 🥳🥳
Think scholl and Akshat Shrivastava channel are such full of content. They give you box full of powerful information in finance and business case study. Than my whole course of MBA, couldn't help to understand business. Thank mate!
I love hdfc but they charged alot if I don’t maintain the account
Innovation starts at next curve... That was awesome...
Thank you Ganesh sir for giving such a wonderful insights about HDFC bank....
Kudos to your content creation.. Such an excellent content in such a short span of time..!
Sadly, most of the banks except HDFC have financial profit numbers in negative and they make profit from other sources such as credit card fees, maintainence fees etc.
Even though HDFC's financial profit is in positive but they too make a lot of money from other sources
That's what I thought the bank lets me keep my money and gives me interest how the hell are they even earning anything besides flowing(no profit no gain) my money in their cross connections.
@@stankssmile5865 Ya that's how the banking system is working now, sadly it's not good for economy 😅
@@stankssmile5865 you guys need to learn about fractional banking, reserve back exoansion of money , repo markets etc.
They earn mostly from advances.
@@m11nt Can you explain please ?
I don't know much about that 😅
awesome presentation, narrated so beautifully.
You just made explanation of whole banking system so easy that even kindergarten kid can understand. Great work and explanations. Hope your channel reach even higher and higher.
This is a great video, well done !!!
When life gives you HDFC and gf, always choose HDFC, it never disappoints 😄🥳
Please do something related to real estate
Why is hdfc app as well as internet banking so poor compared to ICICI? Pls make a comparison video between both
I got ad for smallcase ad while he was promoting it. RUclips logic 😂
Thank you, for this" treasure of knowledge ".
Beautiful explanation ..
And the bank which suffers most technical glitches is HDFC Bank 😃. And rbi restricted for issuing new credit card 🙆🤦
Amazing content. Great work. Kindly keep doing such amazing work.
Sir i am still waiting for the video you promised
Where u share how you research and structure your video
Eagerly waiting to learn, Love your videos
Here's a word of advice, he won't share his secrets that makes him successful, no matter how sweetly you ask him. No one wants competition 🙂 you can only rely on yourself, not others
@@trolllovindaddy Dil se bura lagta hai yar
May I ask what are you going to do with that information?
@@marushkapinto7035 i also create content on my channel so that could help me create better content
This is the same account where i create content on RUclips
Please make a video on 12% club and slice business model.
@Think School @Ganesh - Everyday it has become an habit for me to open one of your video just to see when this amazing channel will hit million subscribers. Very well deserved channel and an amazing orator 👏 God bless.
The way you articulated the topic is just awesome!
Bro a civil engg by academic s has shown to us what a wonder be created with knowledge out of box... Highly appreciable.. damn sure you will reach million in February.... Support everyone...Ganesh is. Best among rest ।।।
Thank you so much ❤️
woah ..awesome stuff..keep up the grind buddy..so crisp and clean!!!!!!!!!!!
But HDFC has an advantage
They do not have a rural banking obligation. This is an advantage they have over PSB's and unlike PSB's they never had any legacy issues as a result they started with CBS.
Inspite of this PSU's have still remained as leader.
I agree. PSBs exist to serve the people.
Most commenters are abusing psb. They are living in Cave i believe.
Bhai.....don't forget that PSB are there to serve people.
Corporate banks like HDFC & Axis bank treat common people as shit because there main source of income is from large companies and wealthy customers.
These systems may be better for tier-1 countries. But here,
In our country, top 1% people has nearby 50% stake in our country's gdp.
Total Capitalism & corporate working can turn India into nightmare for poor & middle-class ones.
@@just_a_curious_thinker Yup, minimum balance in private banks is around 5k whereas it's 1k in PSBs and zero in SBI.
I am a great fan of good narrators and orators.
But still nothing can beat SBI's CAL(Come After Lunch) technology
Best Comment Ever.
What a brilliantly crafted video !! Amazing work.
Now HDFC Bank 🏦 is 4th biggest banks in the world
Heyy Ganeshhh , Great videoo as usual!! Please make a video on the union budgett!!!
I feel ICICI is much superior in terms of technology driven end user experience. HDFC is sort of rigid in processes and offers very less flexibility and use experience. Thanks for continues knowledge sharing and excellent case studies.
It's worst in process, it takes 7 days to open a simple sole proprietor current ac, and they take cheques only, the cheque is deposited into thier branch ledger ac, which sits idle for 7 days. That means bank earns interest on ur money, but u don't . Hdfc has become very pathetic bank, both for customers and employees, also if u don't buy cross sell products via branch they won't do ur any work.
It is the worst bank. To open a bank account in rural area we need 50k
I like your Genius strategy of explaining all Genius Strategies.
Good elaboration and I am happy that our banking systems utilize the IT competencies of our country. The same shall go for other sectors to use it as you say revolutionize how India works.
Internet banking has indeed changed our lives for better. DDs and Cheques are things of the past.
Scrutiny of consortias has to be studied to understand the loan racket of the banks.
Technology if utilized hands-on will not result in long term revenue grosser rather it should be harnessed for an all-round banking system to improve service standards.
Once again Ganesha you have done a good analysis and kindly do enliven us on how stock market systems work and ways to improve it to international standards.
If and only you made this video in 2000, i would be crorepati
Hey Ganesh! Great video as always.
I'm impressed by your research on HDFC and Asian Paints.
Could you please tell us how you conduct such in-depth research on companies and how we can do the same? Please tell us the whole process, what references you use, how much time it takes etc.
Thanks in advance
It's from a book...The Unusual Billionaires by Saurabh Mukherjea
Wow, absolutely wow.
That could be my new mantra.
"Kill your inefficiencies before someone kills your business".
Hope it isn't patented 😀
Also, one major contributor to the growth of private banking sector are the govt banks and the lethargic attitude of their employees. They behaved as if they were doing a favour to the customer.
Awesome content! Keep up the great work!
I agree with all the points, but currently they are way behind ICICI in term of digitalization. If they dont pull up the socks now it will be another disruption in Banking sector.
I'm lucky to be in this era to be with you 👍🏻👍🏻👍🏻
Fun fact: HDFC full form is HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED
What's fun here
Absolutely brilliantly explained. First video I saw on this channel and subscribed. Wonderful!!
Thank you so much ❤️
reading about people grabbing multi-figures monthly as incomes in investments even in this crazy days in the market, any pointers on how to make substantial progress in earning? would be appreciated.
I thought people don't know her, Bitcoin is on its way to the moon, it's time we all join the Bitcoin community.
I m surprised that this name is being mentioned here, I stumbled upon one of her clients testimonies on CNBC news last week...
Extraordinary is the right word for expert Mrs Donna, she's experience as a trader and so unique.
@@kaydenjayden7081 You don't need to be surprised because l'm also a huge beneficiary of expert Mrs Donna trading service,I'winningg consistently trading with with her
same here l earn huge weekly profits of$16,443 on my Investment since i started dtrading with Mrs Donna William, his trading
To admire someone is not the bad thing......so I wish you must be the next finance minister.... Wow what a presentation
But now ICICBANK is outperforming hdfc
I think this is the best case study of HDFC bank .