HDFC Bank Ltd. HDFC Bank House, Senapati Bapat Marg, Lower Parel,

Mumbai - 400 013.

HDFC Bank achieves 50th branch milestone in Himachal Pradesh

Launches 3-member rural mini-branch in unbanked village of Kishan Pura

94% of all branches in Himachal Pradesh located in rural, semi-urban areas

Shimla, (Himachal Pradesh) February 11, 2014: HDFC Bank Ltd today reached an important milestone of 50 branches in Himachal Pradesh. The 50th branch is a 3-member mini-branch located in the unbanked village of Kishan Pura in the Solan district of the state.
The branch in Kishan Pura was inaugurated by Mr xxxxxxxxxxx, in the presence of Ms. Smita Bhagat, Branch Banking Head, HDFC Bank, Mr. Harvinder Atma, Zonal Head, , HDFC Bank and other senior officials of the bank.
With this launch, the Bank now has about 94% of its network in Himachal Pradesh located in semi-urban and rural areas of the state.
The new branch will cater to the local population of just over 1,400 in and around Kishan Pura. And it is located at Baddi-Nalagarh Road, Village Kishan Pura, Post Office Guru Majra, District Solan - 174101. The branch is headed by Mr. Hutash Narula, Branch Manager, HDFC Bank.
Speaking about the milestone, Ms Smita Bahgat, Branch Banking Head, HDFC Bank said: "Our extensive 50-branch network in Himachal Pradesh reiterates our commitment to take formal banking services to every part of the state, particularly the unbanked and under- banked areas. Our objective is to empower more people across the country by offering the full range of banking services, even in rural areas, thus make a difference in their lives. ¨
Speaking at the launch, Mr. Harvinder Atma, Zonal Head, HDFC Bank said, "The journey to reach the 50th branch milestone in Himachal Pradesh has been extremely fulfilling, right since the launch of our first branch in Sanjauli in 2004. As we expand into deeper

HDFC Bank Ltd. HDFC Bank House, Senapati Bapat Marg, Lower Parel,

Mumbai - 400 013.

geographies, we are happy to serve the local populace and look forward to bringing a whole new world of convenience and flexibility to customers across the state."
A mini branch is one of the new-format branch models introduced by the Bank, to take formal banking services to people in unbanked and underbanked areas. It enhances the Bank's efforts towards achieving its financial inclusion goal. The Bank has a board mandated objective to bring 10 million families (50 million Indians) into the banking fold.
The mini branch is designed to be cost-effective by maximizing efficiency of space, infrastructure, technology and processes. The product range at a mini branch is comparable to that in a traditional branch and the two members are available to provide customers an array of services. The two-person branch works closely with the nearest large branch, operating as hub and spoke to cater to a particular geography and ensure that all products and services are made available to customers.
As of December 31, 2013, the Bank had a distribution network with 3,336 branches and
11,473 ATMs in 2,104 cities/towns. At a national level, the Bank has 53% of its branches in semi-urban and rural areas and is continuously extending its reach in the hinterland in its endeavour to support inclusive growth.
The Bank has made significant headway in its multichannel servicing strategy in Himachal Pradesh, providing customers the use of its complete range of products and services. It offers, under one roof, products ranging from basic services such as Savings Account, Fixed Deposits, Current Account, Two-wheeler loan, Auto loan, Commercial Vehicle Loan, Kisan Gold Card, Agri and Commodities Loans to direct access banking channels such as, PhoneBanking, NetBanking and International Credit and Debit Cards.

HDFC Bank Ltd. HDFC Bank House, Senapati Bapat Marg, Lower Parel,

Mumbai - 400 013.

About HDFC BANK

Promoted in 1995 by Housing Development Finance Corporation (HDFC), India's leading housing finance company, HDFC Bank is one of India's premier banks providing a wide range of financial products and services to its 28.5 million customers across hundreds of Indian cities using multiple distribution channels including a pan-India network of branches, ATMs, phone banking, net banking and mobile banking. Within a relatively short span of time, the bank has emerged as a leading player in retail banking, wholesale banking, and treasury operations, its three principal business segments.

The bank's com petitive strength clearly lies in the use of technology and the ability to deliver world-class service with rapid response time. Over the last 19 years, the bank has successfully gained m arket share in its target customer franchises while maintaining healthy profitability and asset quality.

As of December 31, 2013, the Bank had a distribution network with 3,336 branches and 11,473 ATMs in 2,104 cities/towns. For the quarter ended December 31, 2013, the Bank's total income was INR 127.39 billion (`12,739.0 crore) as against INR

108.18 billion (`10,818.1 crore) for the quarter ended December 31, 2012. Net revenues (net interest income plus other

incom e) were INR 67.83 billion (`6,783.1 crore) for the quarter ended December 31, 2013, as against INR 59.09 billion (`5,909.4 crore) for the corresponding quarter of the previous year. Net Profit for the quarter ended December 31, 2013, was INR 23.25 billion (`2,235.7 crore), up by 25.1% over the corresponding quarter ended Decem ber 31, 2012.

Total income for the year ended M arch 31, 2013, was INR 419.175 billion (`41,917.5 crore).

Leading Indian and international publications have recognised the bank for its performance and quality.

For more information please log on to: www.hdfcbank.com

For media queries please contact:

Pushkar Gupta

Assistant Vice President

HDFC Bank Ltd., Mumbai.

Tel: 91 - 22 - 6652 1450 (D) / 6652 1000 (B) Fax: 91 - 22 - 2490 3168

Mobile: 09323080909

pushkar.gupta@hdfcbank.com

Neeraj Jha

Head, Corporate Communications

HDFC Bank Ltd., Mumbai.

Tel: 91 - 22 - 6652 1308 (D) / 6652 1000 (B) Fax: 91 - 22 - 2490 3168

Mobile: 09323620828 neeraj.jha@hdfcbank.com

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