HDFC Bank Ltd. is committed to providing banking and financial services, including commercial banking and Treasury services. The company also provides financial services to upper middle income individuals and companies in India. It operates through the following divisions: Treasury, retail banking, wholesale banking and other banking operations. The Treasury component includes the bank's portfolio, money market lending, investment operations, and trading of foreign exchange and derivatives contracts. The retail banking sector provides loans and other services to customers through branch networks and other delivery channels. Wholesale banking provides lending, non-funded financing and transaction services to large corporations, emerging businesses, public sector units, government agencies, financial institutions and mid-sized enterprises. The other banking segment includes revenue and related costs from ancillary banking services such as credit cards, debit cards, third-party product distribution, and primary dealer operations. The company was founded in August 1994 by Aditya Tapishwar Puri and is headquartered in Mumbai, India.