PRIVATE BANKING

At HDFC Bank, we understand the value of your time and the opportunities it holds for you. Your personal financial investment needs might get overlooked, while you attend to your business and professional needs. In line with this, we are pleased to offer to you a customised Investment Advisory Service for your existing portfolios and regular investable surpluses.

The service offers research – based advice to optimise returns on your investment portfolio across a range of financial instruments, keeping in line with your profile and investment objectives. Your existing portfolio is analysed to advice you on rebalancing to obtain an optimum asset mix. Here, a dedicated advisor regularly guides you through the evolution of new market opportunities, to evaluate and restructure your existing investment portfolio.

Multiple Recognition from Euromoney
A testament to our endeavor towards providing exceptional service to each of our customers is the following rank that we have earned in a recently conducted Euromoney survey.
- Rated as the Best Private Bank in the Super Affluent Category in India.
Advisory Services
- The starting point is profiling
The advice we give is as unique as you are. It is based purely on your appetite for risk, time horizons and need for liquidity. So at the very inception, we work intensively towards understanding you. Your requirements and profile is agreed upon and then documented through a consultative process. We take cognizance of the fact that your profile is likely to change with time and hence we follow this process on a continual basis.
- Allocation – A time tested fundamental principle of investment
A lot of emphasis is laid on the mechanics of asset allocation, as we believe that this is the basic tenet of portfolio optimisation. This involves allocating your portfolio across various asset categories - essentially debt, equity and cash. Deciding upon your asset allocation is a synthesis of science, art and investment discipline.

Portfolio analysis and financial planning We analyse your existing portfolio allocation and recommend changes in line with current opportunities, your profile and cash flows, risk appetite and financial requirements.

A comprehensive investment plan is drawn out to meet your long and short- term financial goals across multiple asset categories.

Portfolio review and tracking

Your portfolio is tracked on an ongoing basis to monitor the portfolio returns, cash flows and asset allocation. We continually advice you on appropriate rebalancing of your portfolio on the basis of performance of each asset category and analysis of future expectations. All portfolios are approved by our research desk on an ongoing basis.
- Advice across asset categories
We offer research-based advice across asset categories like mutual funds, equity and its derivatives, insurance and more. Hence, our service is a one-stop-shop for your entire portfolio needs saving valuable time. Also, a holistic view of your portfolio across all asset categories helps us advice you better and offer you a consolidated wealth statement.
- Dedicated investment advisor
For you, time is priceless, which is why a trained personal advisor is assigned to you as a one-point contact, guiding you and attending to all your investment related needs. The advisor on an ongoing basis helps you restructure and monitor your portfolio based on research desk's recommendations as well as provides procedural assistance, both through online and offline modes.
- Value added services
We also offer value added services that help your portfolio like transaction audit for transactions done through HDFC Bank, tax guidance and opinions in related areas.
Research Reports
- In- house research desk
With the help of our experts, our advice comes unbiased as it is based on due diligence, and does not follow the herd mentality. Selection of mutual funds is based on broad parameters and is built on statistical models and quantitative tools like standard deviation, volatility, rolling returns, expense ratio and more. Active inputs are also taken from our equity desk in the selection process. Our equity desk tracks various sectors and uses a bottom-up approach to identify stocks. Exposure to these is recommended basis on your risk profile – be it conservative, aggressive or super aggressive.
- Research Reports
In this world of communication clutter, it is becoming increasingly difficult to sift out information that is relevant to your portfolio. Multiple reports running into multiple pages with points and sub-points leave you with complex data you don’t have time to go through. Our research reports are designed to provide you relevant information in the simplest formats.
- AAG – At A Glance
An exclusive monthly magazine is available only to our investment advisory clients. It is a widely acknowledged monthly publication produced by the bank’s research team that analyses specific mutual funds, stocks, sectors and the equity / debt / forex markets, providing a sharp view of the equities and debt markets
- Research Resources
AAG at a Glance (a monthly magazine)

Daily AAG e-mail newsletter

Daily Market Impact

Daily Market Pulse e-mail newsletter

Personal Finance Insight

Company Recommendations

Weekly Debt e-mail newsletter