77005138 summer training project report (1)
TRANSCRIPT
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SUMMER TRAINING PROJECT REPORT
Opportunities of Fund Mobilisation by Peerless in Gorakhpur(a comparative analysis with PostOffice),
In the Partial fulfillment of the requirement for
MBA Degree Programmeof Utter Pradesh Technical University Lucknow
Under The Guidence Of:Vimal Tiwari (Branch Manger)The Peerless General Finance & Investment Company
Gorakhpur Branch 416 Madhurika Enclave 2nd Floor,
Opp. SBI Bank Road, Gorakhpur
Submitted By:
DURGESH SHARAN TRIPATHIRoll No. 0412370013
MBA IIIrd Semester2004 2006
TABLE OF CONTENTS
PREFACE
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1. Acknowledgent
2. Declaration
3. Company Profile
4. Company Current Profile
5. Product & scheme
6. Opportunities of Fund Mobilisation by Peerless in
Gorakhpur.
Part-I
Part-II
Part-III
Part-IV
7. Findings
8. Suggestions
9. Conclusion
PREFACE
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As a part of my curriculum in Master of Business Administration from
U.P.Technical University, Lucknow through Saroj Institute of
Technology and Management, Lucknow. I had gone through my
project report on Opportunities of Fund Mobilisation by Peerless
in Gorakhpur (a comparative analysis with PostOffice),
which would lead to develop my Managerial Skills and some sort of
Marketing strategies.
Summer training is the mode of importing practical to the
student. The objective is to prove deep insight in to practical
aspects of the functioning of the organization. The summer
training appraises the student actual function,
responsibil i ties and problem faced by an organization .It
provides h im with the knowledge of the var ious k inds of
problems that crop up in the day today funct ioning of the
organization, the way they are solved manager at the crucial
time.
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I am fortunate enough to complete my summer training at
Peerless General Finace and Investment Company
Gorakhpur. This has give me an altogether new experience,
which would be of immense help to me in my days to come.
(Durgesh Sharan Tripathi)
M.B.A. IIIrd SEM
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ACKNOWLEDGEMENT
With a sense of gratitude I would like to express my thanks to
Mr. Anil Kumar Vyas ( Senior Lecturer S.I.T.M Lko ), who guides and
supported me from time to time in making this report successful one
I am heartly thankful to my H.O.D (Mechanical Engineering,
SITM) Col. A.P. Pandey and all faculty members, who helped me to
make this report.
.
Ashutosh Kumar
B.Tech IIIrd Year
DECLARATION
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I Durgesh sharan tripathi student of MBA IIIrd semester SITM, Lucknw
Batch 2004 2005 Roll No. 04123700013 hereby declare that summer training report
topic Opportunities of Fund Mobilisation by Peerless in Gorakhpur (A
Comparative analysis with Post Office).The out come of my won work and the
some has not been submitted to any university/institution for the award of any degree
or professional diploma.
Date: Durgesh Sharan TripathiPlace: LUCKNOW MBA IIIrd Semester
SITM , LUCKNOW
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COMPANY PROFILE
The Peerless General Finance & Investment Company.
The Peerless General Finance & Investment Company Limited,
popularly known as " PEERLESS " have a front ranking position in
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mobilising small savings with most in mobilising small saving with
almost 70% share among Residuary Non Banking Financial Companies.
Incorporated in 1932 as "The Peerless Insurance Co Ltd", a leading
swadesi insurance company is now known as "The Peerless General
Finance & Investment Co Ltd". Today Peerless is the market leader in
the area of savings & investments and has emerged as India's largest
Registered RNBC (Residuary Non-banking Company), having.
A wide distribution network of 166 Service Points and 9 Regional Offices
through-out India
Above 80% of its funds are invested in Govt. Approved Categories of RBI
Lacs of agents across India
It's strong network and constant endeavour to offer need-based products and
superior customer services have enabled Peerless build anexcellent brand
image.
With its core competence ofmobilising savings from the grass-root level,
Peerless continues to serve the nation by helping the common people to
develop a habit to save and grow their savings . The company covers not only
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the urban and semi-urban areas of the whole country, but it also penetrates deep
into the remote, inaccessible terrains of rural India, for encouraging people of
limited resources to save. This extraordinary rural penetration has gone a long
way in popularising Peerless, as " a household name " in the country's domestic
savings market.
Board of Directors
1 - Shri. D. N. Ghosh
Chairman
2 - Shri. A.K. Chatterjee
Vice Chairman
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3 - Shri. S.K.Roy
Managing Director
4 - Shri. S.M. Datta
Director
5 - Shri. D.Basu
Director
6 - Shri. A.C.Chakrabortti
Director
7 - Shri.N.H.Thanawala
Director
8 - Shri A. K. Chatterjee
Director
9 - Shri. B. Lahiri
Director ( Operations )
The change that we are looking for is a shift from a commission-driven
collection-based organisation to a product-driven market-based organisation, to
benefit the customers.
--D N Ghosh(Chairman)
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Our aim is to emerge as the country's largest financial super market in the
private sector, for doorstep retail distribution of not only our own products but all
kinds of financial products under one umbrella.
--S K Roy(Managing Director)
History of Peerless
Over the years Peerless has emerged as India's Oldest and Largest Residuary
Non-banking Company. It earned the distinction of being a household name in
the area of savings and investment and ventured to mobilise savings at remote
areas of India which were hitherto untapped.
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COLLECTIONS
(Rs. in Crores)
(Figures in Lacs)
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MATURITY PAYMENT(Rs. in Crores)
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The Founder
A humble beginning... late Radhashyam Roy
The Peerless Insurance Co. Ltd. launched in 1932 by a 33-year old high school
teacher, Late Radhashyam Roy, and like minded idealist friends, at Dhakas
port of Narayanganj, now in Bangladesh.
Directing the nationalistic fervor of the time to business endeavor to address the
insurance needs of Indians, a sector then monopolised by foreign companies.
Starting with paid up capital of Rs.300, it became a leading Provident Insurance
Company, before moving to Kolkata.
Following nationalisation of life insurance in 1956, focus turned on small
savings : Indias first Non-banking Finance Company
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The Pioneer
Architect of modern Peerless...Late B K Roy
For the first time, the concept of doorstep service was introduced by Late B K
Roy for mobilising small savings from semi-urban and rural areas, even from
remote villages.
Free insurance benefit against accidental death, introduced in the year 1972 with
savings schemes, to enable Indians save with confidence.
Introduced the concept of direct marketing through relationship and rural
marketing by engaging agents through its Swarojgar Yojana.
Agency system designed to promote self-employment and leadership qualities
among millions all over the country, while ensuring operational control of a
massive infrastructure.
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Philosophy
Peerless believes in certain philosophies in achieving its corporate objective -
"Excellence in Customer Service".
The following strategies have been adopted towards its Investors, Employees,
Agents and the platform for Service Delivery -
Investers
Offering a wide spectrum of need based Schemes along with excellence in
service. Our focus is on total satisfaction of the Customer and this will continue to
figure as our top most priority..
Human Resource Management
To Institutionalise Total Customer Responsiveness by :
Providing flexibility by empowering people
Learning from the best world class processes
Adapting to change while remembering that change does not mean rejection of
the past. It means relearning currently prevalent philosophy for a brighter future
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Continuing to achieve our goals through active cooperation and involvement of
our people who are our biggest strength.
To become the benchmark of corporate teamwork
Financial Advisors
Providing excellent self-employment opportunities with ample scope of earning to
countless men and women across the country.
Our objective is to help them build up stable, secure, rewarding and prestigious
marketing career under our Swarojgar Yojana
Information Technology
Enabling efficient and prompt service to our customers by continuously
upgrading our IT service delivery platform.
Adopting state-of-the-art technology across branches & service centers and
progressing networking initiatives.
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Investment policy
Our objective has been to provide our certificate holders a safe platform for
depositing their savings and to ensure earning reasonable returns.
Today, over 80% of the corpus of depositor's funds lie invested in Government
Securities and other Approved Investments..... and that is our humble
contribution to the national cause.
The Company's Investments have been on a path of steady & consistent growth
over the years.
Whether it's saving for that holiday you've always wanted, or a hassle free life
after retirement, investment guide can help you take an informed decision.
The following sections explain the importance of saving and suggests good
strategies on how to save, highlights of building a balanced financial portfolio,
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things to consider before you make decisions to invest, what our customers say
on the benefits they have experienced by investing in our financial products.
Making money is not an event or a particular action that happens or has to be
done; making money is more of a process. It may appear slow and almost
invisible but the process has to be religiously followed - The first step is to Save
Saving results in accumulating capital for investing. With this acquired capital you
can invest in other types of more profitable investments. You should be saving 10
to 15 percent of your earnings regularly every month. Some people even manage
to save 20 percent of their income.
Getting into the habit of saving is important. You and your family must save to
have an emergency fund / secured future. People with fluctuating income, few
job benefits, and little job security may need a larger emergency fund. Families
with two wage earners may need a smaller emergency fund. As a rule it is best to
have three to six months of take-home pay in a savings account, which has a
good liquidity so that you can withdraw for emergencies. If you don't have an
emergency fund you need to increase your savings. A payroll deduction plan into
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a Savings Account or a Recurring Deposit is often the most painless way to
achieve the best results. On the other hand, if you have been saving a surplus,
you may want to consider using these funds for investing in a Fixed Deposit.
Budget your expenses. Let us take an example to show how saving only the
price of a cup of tea and compound interest can do wonders with your money.
Say you save the price of a cup of tea at Rs 1.50 each day with a good financial
institute. Assuming you religiously save it every day at 4% compound interest
and you do not withdraw anything you will have saved by five years Rs 4040, by
fifteen years Rs. 15369 and by thirty years Rs. 42338. Saving can be easier than
you think. Streamline your financial expense and make your money work for you.
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Identify how much you can save. Before you can save, calculate the amount
of money that you can put to saving on a regular basis without putting stress on
your financial situation. You have plenty of options. You can choose between
Daily, Monthly, Half-yearly, Quarterly or Annual Recurring Deposits.
Choose a convenient fixed Deposit Scheme. You can even invest a fixed
amount in ourFixed Deposit saving scheme for a period ranging from One and
half years to three years.
What you could buy with Rs 100 five years ago certainly cannot be bought
today. It is clear that if you are to cope with even a mild inflation, you must
undertake investment strategies that maintain your real purchasing power;
otherwise, you are doomed to an ever-decreasing standard of living. Investing
requires a lot of planning, make no mistake in this regard. Romantic novels are
replete with tales of great family fortunes lost through neglect or lack of
knowledge on how to care for money. They had not worked to keep their money.
Even if you trust all your funds to an investment adviser or a financial institution,
you still have to know which adviser or which institution is most suitable to handle
your money and your savings.
http://www.peerless.co.in/invest_guide/save.htm#b1%23b1http://www.peerless.co.in/invest_guide/save.htm#b1%23b1http://www.peerless.co.in/invest_guide/save.htm#b2%23b2http://www.peerless.co.in/invest_guide/save.htm#b1%23b1http://www.peerless.co.in/invest_guide/save.htm#b1%23b1http://www.peerless.co.in/invest_guide/save.htm#b1%23b1http://www.peerless.co.in/invest_guide/save.htm#b2%23b2 -
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You have budgeted and identified an amount to save monthly. By investing, you
want to put the money you saved to grow, making more money and increasing
your wealth. Now you need to work out a good Financial Plan. Good investments
will make money; bad investments will cost money. Do your homework. Gather
as much information as you can. Seek advice of trained financial advisors and
financial institutions of repute. Read newspapers, magazines and other
publications. Identify credible information sources on the Internet.
Understand the risk vs expected return relationship : When you are saving
and investing, the amount of expected return is based on the amount of risk you
are willing to bear with your money. Generally, the higher the risk higher is the
expected return. For lesser risk, an investor should expect a smaller return. For
example, a deposit with a good financial institution that offers an assured return
on maturity of the deposit , the "return" or "interest paid" on your savings / deposit
will generally be less than the expected "return" on other types of risky avenues
of investments.
On the other hand, the return from investment in a capital market is not assured
or guaranteed because it is subject to market risks & fluctuations. The amount
invested may even be eroded if the portfolio does not perform as expected.
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How much risk do you want to take? Here are some tips to consider while
determining the amount of risk that best suits you.
Financial goals. How much money do you want to accumulate over a
certain period of time? Your investment decisions should reflect your
wealth-creation goals.
Time horizon. How long can you leave your money invested? If you will
need your money in one year, you may want to take less risk than you
would if you would not need your money for 20 years.
Financial risk tolerance. Are you in a financial position to invest in risky
alternatives? You should take less risk if you cannot afford to lose your
investment or have its value diminish.
Inflation risk. This reflects savings' and investments' sensitivity to the
inflation rate. For example, while some investments such as a savings
account have no risk of default, there is the risk that inflation will rise above
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the interest rate on the account. If the account earns 5 percent interest,
inflation must remain lower than 5 per-cent a year for you to realize a profit
and "grow your wealth".
Liquidity of your investment is one of the most important factors to take into
account. How easily can you access your money? Is there a facility for
premature withdrawal in case of an emergency? Is the "lock in period" low or
high? Is there a facility for obtaining a Loan against the Deposit to help you
overcome interim financial needs without withdrawing your deposit? If so, can it
be adjusted against the Maturity Proceeds? Are the loan repayment rules flexible
enough? These are important questions, as uncertain future events or
emergency may require you to withdraw your money prematurely or avail a loan
against the deposit to overcome emergency with / without obligations of regular
repayment of the loan.
Other Value Added Benefits, apart from increasing the value of your
investment, other benefits like Accidental Death Insurance, Critical Illness
Insurance, Life Insurance . Or even Saving while Shopping, with exciting
discounts at thousands of establishments across India with a 'savings card'
offered by your financial institution ! These could be extra incentives that should
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be considered. And above it what if these are provided to you absolutely free
of cost ?
Create a well balanced portfolio A well balanced diet: meat, fruits, vegetables,
grains and dairy products; leads to a healthy body and mind. Similarly your
money should be spread across different types of investments in a well balanced
manner to create a healthy financial portfolio. There are different types of
investment products. Each brings different advantages and returns and may
have other value added benefits attached with them. For example flexibility,
liquidity, minimum deposit / loan amount, insurance coverage or some other
special incentives e.g. Peerless Saving Card. You should know how much risk
you can cope with based on your financial situation and take into consideration
aspects like Term of the Deposit, Flexibility, Liquidity factors, Insurance coverage
and also how easily you can withdraw the money in case of an emergency. Each
type of investment will have its own strong point. Balance these different types of
investment like balancing the protein, carbohydrates and fat contents in your diet.
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Vast Distribution Network
Peerless has strong infrastructure and human resources consisting of
employees, agents, financial advisors and a vast countrywide network of
branches & service centers. Together, they constitute an invaluable asset and a
rare strength. This astounding strength coupled with constant endeavour to improve
customer services, has helped the Company build-up an excellent brand image.
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Our Network of Offices :
Head Office & Registered Office
Peerless Bhawan,
3 Esplanade East, Kolkata 700 069
Marketing / Development Office at
1, Chowringhee Square, Kolkata 700 069
166 Service Points across India.
9 Regional Offices - At Kolkata, Guwahati, New Delhi,
Mumbai, Ahmedabad, Chennai, Trissur and Hyderabad, .
4 Regional Computer Centres - At New Delhi, Mumbai, Chennai
and Hyderabad.
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Central Data Processing Centre at
1, Chowringhee Square , Kolkata 700 069
Service Sector
Peerless has gone beyond savings & investments, expanding itself into certain
other key areas in the service sector, like health-care, hospitality, financial
services, housing etc. Such forays have given it an enviable Brand Image.
Subsidiaries and Connected Enterprises
Peerless Hospitex Hospital & Research Center Limited
360 Pancha Sayar, Garia, Kolkata 700 094
Dial : +91.033.24622394
Peerless Hospitex Hospital & Research Center Limited PEERLESS's foray into
health-care is synergic with its corporate culture : rendering myriad forms of
service to the society, and to enrich the quality of life. Attuned to this corporate
philosophy, Peerless Hospitex Hospital & Research Center Limited opened up a
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whole new vista of the latest and state-of-the-art, health-care facilities in this part
of the subcontinent.
Its 300-bed multidisciplinary, super-speciality hospital, Peerless Hospital & B.K.
Roy Research Center is a marvel in health-care, with excellent diagnostic and
treatment facilities in cardiology, neurology, orthopedics, ophthalmology,
gastroenteritis and general surgery etc.
Peerless Hotels Ltd.
12, J L Nehru Road, Kolkata 700 013
Dial : +91.033.22280301/22280302
The Peerless Group of Hotels. A family of hotels and resorts spread across
Kolkata, Durgapur, Port Blair ( Andaman ) and Mukut Manipur.
Timeless traditions of Bengali culture find home in The Peerless Inn, along with
modern amenities. The discerning traveler is left spellbound with our gentle
etiquette. The Peerless Inn is friendly, warm and modern with an aesthetically
pleasing ambience.
Peerless Securities Ltd.
1, Chowringhee Square, 2nd Floor, Kolkata 700 069
Dial : +91.033.22131407/1379
http://www.peerlesshotels.com/http://www.peerlesshotels.com/http://www.peerlesshotels.com/http://www.peerlesshotels.com/http://www.peerless.co.in/other_services/other_vent_sec.htmhttp://www.peerless.co.in/other_services/other_vent_sec.htmhttp://www.peerlesshotels.com/http://www.peerlesshotels.com/http://www.peerless.co.in/other_services/other_vent_sec.htmhttp://www.peerless.co.in/other_services/other_vent_sec.htm -
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Peerless Securities Ltd. is amongst India's prominent names for Financial
Services - Share & Stock Broking, Trade Settlements and Depository Services. A
corporate member of the National Stock Exchange of India Ltd. and the Kolkata
Stock Exchange Association Ltd. An agent of UTI, RBI Relief Bonds and Mutual
Fund.It enjoys a high level of trust; a position further enhanced with the company
joining the National Securities Deposit Ltd. as a Depository Participant.
Bengal Peerless Housing Devlopment Co. Ltd.
6/1A, Moira Street , Kolkata 700 017
Dial : +91.033.22836227/6230
The Government of West Bengal in an effort to combat the problem of Housing
formed Joint Sector Companies with West Bengal Housing Board and Private
Entrepreneurs. Thus Bengal Peerless Housing Development Company Limited
was formed in 1994 with West Bengal Housing Board and The Peerless General
Finance and Investment Company Limited.
Peerless Travel Pvt. Ltd.
6A, A.J.C. Bose Road Kolkata 700 017
Dial : +91.033.22479269/1052
http://www.bengalpeerless.com/http://www.peerless.co.in/other_services/other_vent_sec.htmhttp://www.peerlesstravel.co.in/http://www.bengalpeerless.com/http://www.peerless.co.in/other_services/other_vent_sec.htmhttp://www.peerlesstravel.co.in/ -
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Peerless Travel Pvt. Ltd. provides a whole gamut of travel related services. The
Group has experienced success in a number of ventures in diverse fields, the
most prominent being in the hospitality division. The travel wing is being
managed by a team of professionals with several years of experience in the field
of Travel trade. We are an IATA (International Air Transport Association)
accredited organization and a member of TAAI (The travel agents association of
India) .
Other Services
Social service is very much a part of the Company's activities. Peerless
Polyclinics in various parts of Kolkata & Milan Thirtha an Old Age Home at
Baranagar are some of the tangible instances of the company's continuing social
commitment.
Poly Clinics
Polyclinic at 5/2 Fakir Dey Lane,
Address : Dumdum, Kolkata 700012
Ph : 22378343
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Peerless Diagnostic & Child Guidance Centre, Address : 223 Central
Avenue, Kolkata 700 006
Ph : 25558171
Polyclinic
Address : 5/3A,DumDum,Kolkata 700 030
Ph : 25577115
Polyclinic
Address : 190 Sarat Bose Road, Kolkata.
Ph :24664173
Polyclinic
Address : 4 Roy M N Chowdhury Street, Baranagar, Kolkata 700 036
Ph : 25579520
Oldage Home
Milan Tirtha,
ddress : 4 Roy M N Chowdhury Street, Baranagar, Kolkata 700 036
h : 25579520
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The assures full safety of money deposited with The Peerless
General Finance & Investment Co. Ltd.
Deposits mobilised are invested strictly in accordance with the Residuary Non-
Banking Companies (Reserve Bank) Directions, 1987 (RNBC). To ensure safety
of your money, over 80% of our investments are presently held in Govt.
approved categories, including large investments in Govt. Securities etc.
The strong Peerless Branch Network.
The company has a vast distribution network of 166 Service Centers & 9
Regional Offices across various states in India, apart from its Head Office,
Marketing / Development and Centralised EDP Center at Kolkata.
Peerless schemes promise abnormally high returns.
No. Current schemes of the Company provide reasonable, competitive and
assured returns during the tenure, without being affected by market fluctuations.
All the schemes are flexible
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Peerless offers A Scheme For Every Dream : Our
schemes are tailor-made financial solutions to suit various
Income groups as well as diverse Savings & Investment
needs.
Options available for Daily, Monthly, Quarterly, Half-
yearly and Yearly recurring Deposits.
Options available for Fixed Deposits ranging from a
period of One and Half years. to three years.
Our Schemes offer safety along with attractive returns
and value added benefits.
High liquidity is available through facilities of
Prematurity Withdrawals & Loans. Adequate flexibility is
built-in through easy Loans on Deposits even for short-
duration schemes, with options to choose your own re-
payment terms.
The various value additions that Peerless provides
to its Depositors .
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By forging strategic alliances with market leaders, Peerless also offers the
following types of value-added privileges to its Certificate-holders through its
deposit schemes :-
Free Accidental Death Insurance Benefit, as per
contract.
Free Critical Illness Insurance Cover, as per contract.
Free Life Insurance Cover, as per contract.
Free Peerless Savings Card - for availing attractive discounts on purchases from
thousands of establishments countrywide (conditions apply).
The factors make Peerless unique
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Prompt Doorstep Service to depositors through a
countrywide network of 171 Service Points and lakhs of
Peerless Agents / Financial Advisors.
First Company in India to pioneer the concept of
Payment Melas at convenient places, closer to customers
doorsteps, facilitating prompt payment of maturity proceeds.
First Company in India to pioneer the concept of
"Designated Banker" to ensure full safety of depositor's
money.
Unblemished, default-free track record of having
disbursed over Rs. 6500 Crores to more than 1.5 Crore
satisfied depositors across India.
Rich heritage of over 70 years; Trusted by Millions of Depositors
The other areas of activity
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Peerless Hospital & B.K. Roy Research Centre An
ISO 9002 certified, multi-disciplinary super-speciality
Hospital.
Peerless Polyclinics - Catering to the under-privileged
in need of medical attention.
Old-Age Home Caring for the needy Senior Citizens
of Society.
Peerless Securities- Our financial services company,
offering stock / security broking, investment advisory and
depository services.
Peerless Hotels - At Kolkata, Durgapur & Andaman
Favorite attractions for Tourists as well as Business
Travellers.
Bengal Peerless Housing Development Company Ltd.
- Building quality Homes, not merely Houses, in
collaboration with the Govt. of West Bengal.
Peerless Travels Offering excellent Travel, Tour and Leisure Packages.
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Head Office & Regional Offices
Name & Address Phone No.
Head Office 'Peerless Bhavan'
3, Esplanade East,
Kolkata-700 069
033 2248 3247/3001,
033 2243 6758,
033 2220 3740
Fax : 033-2248 5197
Development Office
1-Chowringhee Square,
Kolkata - 700 069
033 2248 9353, 033 2243 4828
Fax : 033-2248 9701
HO/Annexe 13-A,
Dacres Lane,
Kolkata-700 069
033 2248 8996/1103
Peerless Computer Centre
1 Chowringhee Square, 1st
Floor
Kolkata -700 069
033 2242 8317/8318/8319
Fax : 033-2242 0118
Eastern Regional Office
13A, Dacres Lane, 1st Floor
Kolkata - 700 069
033 2242 1001/1564 /0809
North Eastern Regional Office
Ulubari Chariali, G S Road,
Gauhati - 781 007
0361 2523878/2522146
Northern Regional Office 011 23346421 / 23340683
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61, Regal Building (East)
Connaught Place,
New Delhi - 110 001
011 23744869
Western Regional Office
UNIT -I
World Trade Centre, Centre
-I, 19th Floor
Cuffe Parade Colaba
Mumbai - 400 005
022 22183291/22187334
022 22159250/22153168
Western Regional Office
UNIT -II
Sanskrut,Old Gujrat High
Court Road,
Off Ashram Road,
Ahemedabad - 380 009
079 6581247
Southern Regional Office
UNIT -I
Raheja Complex,
834, Anna Salai, 2nd Floor,
Chennai 600 002
044 28535326/28530335
Southern Regional Office 0487 2323877/2323878
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UNIT -II
Suharsha Towers, 3rd Floor
Round North, Trissur
-680001
South Central Regional Office
1-7-143, Kancharla Towers,
Golconda X Croads,
Musheerabad,
Hyderabad - 500 020
040
27617176/27617177/27602243