A brokerage house believes that HDFC bank could grow because of the investments it has made in branches and employees over last two years. To its branch, it has made an investment of 33% and 28% to the employee base. Also, it has been aggressive on the corporate front. All of these can result in the sharp growth of the bank. When compared to the last fiscal year, bank's current and savings accounts have continuously grown at 20%, even when the bank is paying 4% in comparison to peers 6%. A report says that the bank might be offering