......For HDFC Bank, the game changer, according to Govind Pandey, the bank's branch banking head and the force behind Punjab's rural thrust, was using the bank's own staff to get the job done, something that has started paying dividends. In order to crack the formula in rural banking, two things held the key for HDFC Bank's rural branch managers — starting work early in the morning and progressively moving the touch-points closer to the rural masses. Nearly all of HDFC's operational 268 'grameen' branches have junked the conventional 9 am-6 pm bank timings, instead moving to a 7 am-4 pm slot as it is the key to catching the farmers before they go off to fields for work..............
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