HDFC Bank Ltd. engages in the provision of banking and financial services, including commercial banking and treasury operations. The firm also provides financial services to upper and middle income individuals and corporations in India. Read More It operates through the following business segments: Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations. The Retail segment primarily consists of net interest earnings from the investment portfolio of the bank, money market borrowing and lending, gains and losses on investment operations and on account of trading foreign exchange and derivative contracts. The Retail Banking segment provides loans and other services to customers through a branch network and other delivery channels. The Wholesale Banking segment provides loans, non-fund facilities and transaction services to large corporates, emerging corporates, public sector units, government bodies, financial institutions and medium scale enterprises. The Other Banking Business segment includes income from para banking activities such as credit cards, debit cards, third party product distribution, primary dealership business and the associated costs. The company was founded by Aditya Tapishwar Puri in August 1994 and is headquartered in Mumbai, India.