Here is why HDFC Bank is doing better

Because they serve their customers very well. In contrast to that, the service at Nationalized banks is nothing to be proud of.

Last Monday, I had first hand experience of the indifferent and non-cooperative attitude of Bank Of India, a nationalized bank, and caring and helpful approach of HDFC Bank employees.

We had reached at Vidyanagari Branch (Pune)  of Bank Of India at 2.29 to make fees payment. The shutter was being closed and the person doing that violently told us to go away. On request, he had to say “Time is till 2.30. All have already left for lunch. Go to Swargate branch if you want to make the payment.”

The Swargate branch, two kilometers away, had lunch time from 2.30 to 3.00 pm. When reopened, they refused to accept DD, as they did not know how to process the DD payment of fees. Finally, after a lot of convincing, they relented. But, immediately, the lady at the counter discovered that my DD (issued by HDFC Bank, Malad-East branch) had no signature…! This could be happening in one of the million cases, but then it did happen with us…! She sent me back, rudely saying “Pehle DD pe sign lekar aao… Our bank closes at 4 pm”.

Shocked, I called up Mr Ronak Parekh, my relationship manager at HDFC Bank. He was also shocked to know that the DD had no sign. He assured me that it will be sorted out soon, and told me to go to any nearby HDFC Bank branch saying they will authorize and sign it. I reached HDFC Bank’s Sahkar Nagar branch at 3.35 pm and informed them about the DD without sign. The person told me to wait for 10 minutes till he gets e-mail confirmation from my RM. I told him I did not have that much time. He promptly got up and went to his manager, Mr Sunil Bagade. The manager called up the RM, took his employee number, instructed him to send the email and signed the cheque. I was out in 3 minutes, flat…! I could reach Bank Of India well before the closing time of 4 pm.

It was only due to the prompt service of the branch manager Mr Sunil Bagade, that saved one full day for us. As long as people like him are there, HDFC will keep its customers happy in spite of some human error of unsigned DDs slipping out of the system. Such positive gestures can turn the errors into an opportunity to delight the customers. This is why private banks are scoring over public ones.

We all should try to ensure that all our employees are empowered and motivated enough  to give such caring and prompt service to our customers.

Author: Sanjay Shah

Sanjay is the author of "Business Management Simplified" which provides Practical, Actionable Solutions for Entrepreneurs. It is an all-in-one guidebook to start, run and grow a small and mid-size business to the next level. He is also an SME Business Coach, Seminar Leader and Motivational/Keynote speaker, Sanjay is based in Mumbai (India). He advises many businesses on Strategy, Leadership, Marketing, Branding, Customer Experience Management and Organization Development. He conducts various self-help seminars and workshops for companies and groups in English, Hindi and Gujarati. For more info, visit : www.SanjayShahSeminar.com

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