HDFCs client's were primarily brought by HDFC bank so now it would have better synergy.. in operation ...also now the surviving entity is HDFC bank so they can now use deposits to disburse loans.
Go for mutual funds, you don't have to go through the hassle of identifying stocks... there are various mf distributors who would assist you in even choosing a mf.
This will assist companies in receiving easier loans as the fear of losses is reduced to an extent and with bad banks in place the such fears are further reduced.