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SUMMER TRAINING PROJECT REPORT

ON

TO STUDY THE AWARENESS OF THE FINANCIAL

PRODUCTS OF RELIANCE MONEY

A Project Done at

RELIANCE MONEY

I

Submitted to: Submitted By:

Jasmeen Jaggi

M.B.A

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Roll No-7125223511

ACKNOWLEDGEMENT

I must acknowledge my indebtedness to various personalities, but for whom,

this project could not have seen the light of the day.

I express my sincere gratitude to my guide Mr Manish Kaushik for his able

guidance, continuous support and cooperation throughout my project, without

which the present work would not have been possible.

I would also like to thank the entire team of Reliance Money, for the constant

support and help in the successful completion of my project.

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TABLE OF CONTENT

TOPICS PAGE NO.

INTRODUCTION TO THE COMPANY 1

BOARD OF DIRECTORS 2

RELIANCE MONEY 3

INNOVATIVE USE OF TECHNOLOGY 10

RELIANCE MUTUAL FUNDS 11

RELIANCE EQUITY ADVANTAGE FUND 12

RELINNCE REGULAR SAVING FUND 13

SWOT ANALYSIS 15

PROCEDURE OF CLIENT ACQUISITION 16

BRAND POSITIONING 17

RESEARCH METHODOLOGY 20

LIMITATIONS OF THE PROJECT 23

SCOPE OF THE STUDY 24

COMPETITOR ANALYSIS 25

ANALYSIS AND INTERPRETATION 41

DISCUSSION 50

CONCLUSION AND RECOMMENDATION 55

BIBLIOGRAPHY 57

QUESTIONNANIRE 58

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INTRODUCTION TO THE COMPANY

Reliance Capital Ltd

Reliance Capital is one of India’s leading and fastest growing private sector financial services companies, and ranks among the top 3 private sector

financial services and banking companies, in terms of net worth.

Reliance Capital has interests in asset management and mutual funds, life

and general insurance, private equity and proprietary investments, stock

broking and other activities in financial services.

Reliance Capital entered into lucrative online trading business with Reliance

money. There are mixed reports about this online trading platform. It shook up

online trading business with cheap brokerage charge offer.

Business Overview

RCL is registered as a depository participant with National Securities

Depository Ltd (NSDL) and Central Depository Services Ltd (CDSL) under the

Securities and Exchange Board of India (Depositories and Participants)

Regulations, 1996. RCL has sponsored the Reliance Mutual Fund within the

framework of the Securities and Exchange Board of India (Mutual Fund)

Regulations, 1996.RCL primarily focuses on funding projects in the

infrastructure sector and supports the growth of its subsidiary companies,

Reliance Capital Asset Management Limited, Reliance Capital Trustee Co.

Limited, Reliance General Insurance Company Limited and Reliance Life

Insurance Company Limited. As of March 31, 2005, the company’s

investment in infrastructure projects stood at Rs. 1071 Crores. The investment

portfolio of RCL is structured in a way that realizes the highest post-tax return

on its investments.

Reliance Capital Ltd. is one of India’s leading and amongst the fastest

growing private sector financial services companies, and ranks among the

leading private sector financial services and banking companies, in terms of

net worth. Reliance Capital Ltd. has interests in asset management and

mutual funds, life and general insurance, private equity and proprietary

investments, stock broking and other financial services.

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BOARD OF DIRECTORS

• Amitabh Jhunjhunwala, Vice-Chairman

Amitabh Jhunjhunwala, an FCA, has over 23 years of experience in finance

and the capital markets. Amitabh is also the Director of Reliance Capital Asset

Management Limited.

• Rajendra Chitale, Independent Director

Rajendra P. Chitale, an eminent Chartered Accountant, is the Managing

Partner of M/s M. P. Chitale & Co. He is a Director on Boards of the National

Stock Exchange of India (NSE), Asset Reconstruction Company (India) Ltd,

Hinduja TMT Ltd and Gujarat Ambuja Cements Ltd. He is also a member of

the Advisory Group on Derivatives and the Takeover Panel, Securities and

Exchange Board of India, as well as the Company Law Advisory Committee of

the Government of India.He has also served on the boards of Life Insurance

Corporation of India, Unit Trust of India, SBI Capital Markets Ltd and Small

Industries Development Bank of India.

• Shri C. P. Jain

Shri C.P. Jain, aged 60 years, is the former Chairman and Managing Director

of National Thermal Power Corporation (NTPC). Shri Jain has an illustrious

career spanning over four decades of contribution in the fields of financial

management, general management, strategic management and business

leadership. He is a fellow member of the Institute of Chartered Accountants of

India with an advanced diploma in Management and is a law graduate. Shri

C.P. Jain joined the Board of NTPC in 1993 as Director (Finance) and was

elevated as Chairman & Managing Director in September 2000. He was

Chairman of the Global Studies Committee of World Energy Council (WEC),

world’s largest energy NGO with nearly hundred member-nations. He has

been on several important committees of the Government of India, latest

being the ‘Adhoc Group of Experts on Empowerment of CPSEs’. He was

Chairman of Standing Conference of Public Enterprises (SCOPE) between

April 2003 and March 2005.

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RELIANCE MONEY

We all know the effect of the word Reliance on us. A company which has

entered almost every arena of business and created wonders. Every project

taken up by the company turns into a golden project. The company has

something, which we can call as, The Midas Touch. Well, Reliance Money is

the electronic transaction platform associated with Reliance Capital; one of

India's leading and fastest growing private sector financial services

companies, ranked amongst the top 3 private sector financial services and

banking companies, in terms of net worth

Reliance Money offers a comprehensive platform, offering an investment

avenue for a wide range of asset classes. Its endeavor is to change the way

India transacts in financial markets and avails financial services. Reliance

Money offers a single window facility, enabling you to access, amongst others

Equity, Equity and Commodity Derivatives, Offshore Investments, IPOs,

Mutual Funds, Life Insurance and General Insurance products

Reliance Money is the most cost-effective, convenient and secure way to

transact in a wide range of financial products and servicesThe highlights of Reliance money's offerings are:

Cost-effective

The fee charged by the affiliates of Reliance Money, through whom the

transactions can be placed, is among the lowest charged in the present

scenario. Pay a flat fee of just Rs. 500/- valid for 2 months or specified

transactional value. The facility of trading is subject to expiry of the validity

period or value limit, whichever comes first.

Illustrations depicting fee structure and validity limits

♦ Access fee- Rs. 500

Validity- Time validity of 2 months or Turnover validity of Rs. 1 cr., whichever

is earlier

Turnover limit- Non-delivery turnover of Rs. 90 lac, Delivery turnover of Rs. 10

lac

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is earlier

Turnover limit- Non-delivery turnover of Rs. 2.7 cr., Delivery turnover of Rs. 30

lac



is earlier

Turnover limit- Non-delivery turnover of Rs. 5.4 cr., Delivery turnover of Rs. 60

lac

Unutilized delivery limit may be added to Non-delivery limit

Convenience

You have the flexibility to access Reliance Money services in multiple ways:

through the Internet, Transaction Kiosks, Call & Transact (phone) or seek

assistance through our Business Partners

Security

Reliance Money provides secure access through an electronic token that

flashes a unique security number every 32 seconds (and ensures that the

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number used for earlier transaction is discarded). This number works as a

third level password that keeps your account extra safe

Single window for multiple products

Reliance Money, through its affiliates/partners, facilitates transactions in

Equity, Equity & Commodity Derivatives, Offshore Investments, Mutual Funds,

IPOs, Life Insurance and General Insurance products

All overseas investments are subject to rules, regulations and guidelines of

the Reserve Bank of India as laid down from time to time

3 in 1 integrated access

Reliance Money offers integrated access to your banking, trading and demat

account. You can transact without the hassle of writing cheques

Demat account with Reliance Capital

Hassles free demat account with Reliance Capital. The Annual Maintenance

Charge for the Demat Account is just Rs. 50/- per annum

Other Services

Through the portal www.reliancemoney.com, Reliance Money provides:

a. Reliable research, including views of external experts with an enviable track

record

b. Live news from Reuters and Dow Jones

c. CEOs'/experts' views on the economy and financial markets

d. The Personal finance section provides tools that help you plan your

investments, retirement, tax, etc

e. Analyze your risk profile through the Risk Analyzer

f. Get a suitable investment portfolio using the Asset Allocator

KEY BENEFITS OF RELIANCE MONEY

Equity is a share in the ownership of a company. It represents a claim on the

company’s assets and earnings. As you acquire more stock, your ownership

stake in the company increases. The terms share, equity and stock mean the

same thing and can be used interchangeably.

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Holding a company’s stock means that you are one of the many owners

(shareholders) of a company, and, as such, you have a claim (to the extent of

your holding) to everything the company owns. Yes, this means that

technically, you own a portion of every piece of furniture; every trademark;

every contract, etc. of the company.

As an owner, you are entitled to your share of the company’s earnings as well

as any voting rights attached to the stock.

Another extremely important feature of equity is its limited liability, which

means that, as a part-owner of the company, you are not personally liable if

the company is not able to pay its debts. In case of other entities such as

partnerships, if the partnership goes bankrupt, the partners are personally

liable towards the creditors/lenders and they may have to sell off their

personal assets like their house, car, furniture, etc., to make good the loss. In

case of holding equity shares, the maximum value you can lose is the value of

your investment.

Even if a company of which you are a shareholder goes bankrupt, you can

never lose your personal assets.

Here is some Useful Information available on R- Money:

Investment options are available in:

1. Equity (Stock) Trading

2. Derivatives Trading

*Special feature is available first time to track your positions online, in real

time.*

3. Forex Trading

4. Commodity Trading

5. IPO's

6. Mutual Funds

7. Insurance

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Reliance Money gives you the access to Over 5000 Schemes of 28 Assets

Management Companies (AMCs) with just one account. Some of them

included are.

Portfolio Tracker

Manage your mutual fund portfolio from the Reliance Money account. Benefit

from live valuation and alerts and also track NAVs of any scheme online.

Choice of investment strategies

From just two scheme types (equity scheme and debt scheme) offered when

the mutual fund industry was conceived more than four decades ago, today,

mutual funds offer a plethora of scheme types with different investment

strategies.

Life Insurance

Reliance Money Account gives you the advantage of buying policies from 12

different Life Insurance companies, helping you get unbiased opinion.

General Insurance

Reliance Money Account also extends the product offerings from 10 GeneralInsurance Companies with exhaustive range of insurance products that

covers most risks including Motor, Health, Property, Marine, Casualty and

Liability.

Over the Counter Products

Your Reliance Money Account makes it so simple for you to buy insurance

products that its as easy as buying something over the counter.

RelianceMoney.com is offering most dynamic web based trading environment

to its customers. The new trading platform has many new features which

basically fill up the gap between old online trading companies in India and

their customers.

The Reliance Money trading websites comes with special security features

Security Token, which makes you online trading experience more secure

without complexity.

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INNOVATIVE USE OF TECHNOLOGY

Reliance Money provides secure access through an electronic token that

flashes a unique security number every 32 seconds (and ensures that the

number used for the earlier transaction is discarded). This number works as a

third level password that keeps you account extra safe.

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RELIANCE MUTUAL FUNDS

Reliance Mutual Fund, a part of the Reliance - Anil Dhirubhai Ambani Group

is one of the fastest growing mutual funds in the country. Reliance Mutual

Fund offers investors a well-rounded portfolio of products to meet varying

investor requirements. Reliance Mutual Fund has a presence in over 100

cities across India and an investor base of over 3.38 million.

Reliance Mutual Fund constantly endeavors to launch innovative products

and customer service initiatives to increase value to investors. Reliance

Mutual Fund schemes are managed by Reliance Capital Asset Management

Ltd., a wholly-owned subsidiary of Reliance Capital Ltd.

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(An open-ended Diversified Equity Scheme.)

The primary investment objective of the scheme is to seek to generate capital

appreciation & provide long-term growth opportunities by investing in a

portfolio predominantly of equity & equity related instruments with investments

generally in S & P CNX Nifty stocks and the secondary objective is to

generate consistent returns by investing in debt and money market securities.

Get the Reliance Equity advantage

Just as an expert coach identifies a promising talent, investing in equity

markets requires an expert's foresight. At Reliance Mutual Fund they have

groomed a team of professionals with the aim to get the maximum advantage

out of your investments. Introducing Reliance Equity Advantage Fund, an

open-ended diversified equity scheme which seeks to generate capital

appreciation and provide long-term growth opportunities for your investments.

Reliance Equity Advantage Fund

Reliance Equity Advantage Fund is an open-ended diversified equity scheme,

which proposes to invest in line with the sector ratio of S&P CNX Nifty. At

least, 70-100% of corpus will be invested in equity & equity related

instruments and the balance 0-30% in Debt & Money market instruments.

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RELIANCE REGULAR SAVINGS FUND

(An Open-ended Scheme.)

Reliance Regular Savings Fund provides you the choice of investing in Debt,

Equity or Balanced options with a pertinent investment objective and pattern

for each option.

The Reliance Regular Savings Fund is an open-ended scheme, which comes

with its own ATM cum Debit card -the Reliance Any Time Money Card.You

don't have to give up the returns of a mutual fund for instant availability of

cash. The Reliance Regular Savings Fund endeavours to deliver both.

For the first time in India, your mutual fund offers instant cash withdrawal

facility on your investment at any VISA-enabled ATM near you. With a choice

of three investment options, the fund is truly, the smart new way to invest.

Get instant cash when you need it

Simply walk down to any VISA enabled ATM near you and withdraw your

money invested in the fund (redeem your units).

Cashless transactions at over 24 million* Merchant Establishment

locations

The Reliance Any Time Money Card is accepted at over 24 million Merchant

Establishment locations worldwide. You can now have cashless transactions,

whenever you make a purchase or use the service at any Merchant

Establishment validated by VISA.

Just Rs.100/-per month

Invest as little as Rs.100/-every month in the Reliance Regular Savings Fund

through the Systematic Investment Plan (SIP) route to build your investment

little by little, month by month. Now even your small savings can mean a lot.

Round-the-clock access

With the Reliance Any Time Money Card you can check the Current Holding

Value as well as the Withdrawal Limit of your investment any time of the day

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or night. The card is your key to access your investment round the clock.

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Withdrawal Limits

You can withdraw only upto the maximum permissible ATM withdrawal limit in

a day (which is as prescribed by the Bank for ATM/Point of Sale transactions)

or 50%of your withdrawal limit (as set by Reliance Mutual Fund) whichever is

lower.

Investment Objective

Reliance Regular Savings Fund provides you the choice of investing in Debt,

Equity or Balanced options with a pertinent investment objective and pattern

for each option.

Debt Option: The primary investment objective of this option is to generate

optimal returns consistent with a moderate level of risk. This income may be

complemented by capital appreciation of the portfolio. Accordingly,

investments will predominantly be made in Debt & Money Market Instruments.

Equity Option: The primary investment objective of this option is to seek

capital appreciation and/or to generate consistent returns by actively investing

in Equity &Equity-related Securities.

Balanced Option: The primary investment objective of this option is to

generate consistent returns and appreciation of capital by investing in mix of

securities comprising of equity, equity related instruments & fixed income

instruments.

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SWOT ANALYSIS

Strengths Weakness

• Service

• Distribution network

• Marketing

•

Products

• Customer Satisfaction

• Branding

• Competition from Banks

Opportunities Threats

• Ever increasing market

• Improving technology

• Unfulfilled needs of customers.

• Education level

• New competitors

• Technology based business

A SWOT analysis focuses on the internal and external

environments, examining strengths and weaknesses in the internal

environment and opportunities and threats in the external

environme

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PROCEDURE OF CLIENT ACQUISITION

• In the first phase we are given training and we are explained aboutdifferent things of market. They described us about Reliance Money,introduction, products and services offered by Reliance Monet in themarket. We have been trained properly about Reliance Money.

• After that they conduct a mock viva, in this they ask about the real lifeproblem faced by the customers.

• They provide us leads and we make calls. Three types of leads areprovided to us:

#People who registers themselves on Reliance Money website willing to be

client of Reliance Money and want to know about its product.

# People who have Demat account already with any another broker.

# People who are totally unknown to this market.

• Then after that we have to provide details of product and convince

them. People who have already Demat account, we have to convince

them by giving information about Reliance Money services benefits.

DOCUMENTS PHOTOCOPIES REQUIRED:-

(A) TWO COLOURED PHOTOGRAPHS (self signed).

(B) For Identification Proof - VOTER ID CARD / DRIVING LICENCE /PASSPORT/ PAN CARD (ANY ONE)

(C) For Residence Proof - BANK STATEMENT / VOTER ID CARD /

RATION CARD / DRIVING LICENCE /PASSPORT / TELEPHONE BILL

STATEMENT /ELECTRICITY BILL STATEMENT

(ANY ONE)

(D) Bank statement

(E) One account opening cheque

(F) You can also deposit the initial margin money at the time of opening the

account

• Maintaining dairy of clients and contacting them at regular basis. To

get feedback from them about Reliance Money services.

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BRAND POSITIONING

Reliance Money is the flagship brand of Reliance ADA Group for its foray into

Equity, Commodity and Forex broking in India. Reliance Money is promoted

by Reliance Capital, one of the largest NBFCs in India.

Reliance Money, the brokerage and distribution arm of Reliance ADA Group,

aims to tap investors in the smaller towns and cities through a flat fee

structure.

The current leaders in the retail broking segment like ICICI Direct, India

Infoline and Indiabulls offer a ‘pay per use’ model where the customer pays a

percentage of the amount transacted by him

India has 270 million bank accounts, 30 million mutual fund folios, but only 6

million unique demat accounts. “This low level of penetration by existing

brokerages means that the scope for business is tremendous.

The brokerage arm has already established its presence in 700 towns in the

country through 2500 outlets - part owned by the company and part set up by

franchisees.

Reliance Money’s brokerage rates are quite competitive. Pre-paid cards of

various denominations is to help investors with varying risk appetites. If one

buys a Rs 500 card, he can carry out delivery trades up to Rs 10 lakh and/or

non-delivery trades up to Rs 1 crore.

This roughly translates to 0.05% for delivery trades and 0.005% for non-

delivery trades. Industry rates vary between 0.4% and 0.85% for delivery

trades, and between 0.05% and 0.10% for non delivery trades. Reliance

Money’s attempt to expand the breadth of the market has been dictated by

the growing interest in the stock market among a number of investors in the

smaller towns and cities.

Through its state-of the-art online trading platform, Reliance Money is

gradually making an active foray into Equity, Commodity and Forex broking.

For the first time in India, R Trade will provide the Indian investor the facility of

trading in equity, commodity and forex on a single platform.

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Reliance Money Ltd is changing tack in order to move a step beyond the retail

business, which has so far been its mainstay.

RML, which intends to compete with strong retail brokerage players like ICICI

Direct, will soon start catering to institutional clients in a more organised

manner, though retail will continue to be its focus.

The company plans to pay more attention to an area that has already seen

considerable demand, courtesy wholesale investors who are increasingly

providing significant business to securities broking outfits.

The idea is to increase the number of outlets RML currently has in order to

reach out to more customers.

Investors have two options while trading through Reliance Money. They can

use the internet or call in their orders for company officials to execute.

Reliance Money has also partnered UK-based CMC Markets, a global player

in the online derivatives trading segment, to bring overseas investment

products to Indian investors. This tie-up is to enable customers of Reliance

Money gain access to several offshore products including — foreign equities,

currency and commodities within the RBI-mandated limits. As a matter of fact,several investors reportedly made a killing by trading on the shares of Corus

in the days prior to its auction.

It is an endeavour to change the way India trades in financial markets and

avails of various financial services. Reliance Money ensures maximum

security with a unique security token to keep your online account safe.

Reliance Money plans to be the largest player, at least as big as the next four

companies in the commodities broking space. Since a lot of money has beenlost in commodities markets in recent times, there is a need for a well-

designed product to bring back investor confidence. To take participation to

the next level, it is imperative to build awareness among retail investors.

Further, given the current level of maturity, the dealer franchisees need to be

trained before the knowledge can percolate down to every participant.

Retail financial services firm Reliance Money has tied with depository NSDL

and National Stock Exchange to spread equity investment culture in the

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country, an initiative that will help it double its customer base by this fiscal

end.

Reliance Money aims to expand the market by bringing in newer investors

and facilitating them through appropriate handholding at the initial stages of

their capital market journey. The initiative aims to introduce a consumer

education programme for educating over one lakh new investors in the

country over the next six months, the company said. The programme involves

educating and guiding new investors in basics and fundamentals of investing

in equities and addressing various issues related to stock market. Since its

launch in April, the Anil Dhirubhai Ambani group firm has already roped in

1.50 lakh customers and plans to multiply this number to over three lakh bythe end of this fiscal with such retail initiatives, the company said. Average

daily turnover for Reliance Money has already crossed Rs 600 crore, over one

per cent of total turnover of NSE and BSE, since its launch.

The country has an immense growth potential with 30 crore plus bank

accounts and three crore Mutual Fund folios in a 12-years old industry. There

are only six million unique depository accounts, although the industry is over

100 years old. India saves 28 per cent as a percentage of GDP and only 5 per cent of this saving is invested in capital markets. There is an urgent need to

spread the equity culture to increase the depth of capital market and enable

wider participation. This can only change if we spread it across the country.

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RESEARCH METHODOLOGY

Type of research : DESCRIPTIVE RESEARCH

Sample size : 150

Sampling technique: RANDOM SAMPLING

Primary Data:

First hand information was obtained through face-to-face interviews and

questionnaire.

Questionnaire design

A questionnaire is designed to know the view of employees of the companies

as well as of the customer perception about reliance financial products..

Secondary Data

Under Secondary sources, we tapped information from internal & external

sources. We made use of Internet (such as search engine www.google.com),

and miscellaneous sources (such as brochures, pamphlets, library)

under external sources.

ANALYSIS

To make our research project most effective in a given time period of two

months surveyed the information of the competitors. We undertook both

Explorative as well as Conclusive Research Design. The data has been

collected from both Primary as well as Secondary sources and we also did the

fieldwork for which utmost care has been taken to keep project unbiased from

personal opinion.

SIGNIFICANCE OF THE STUDY

Every research is conducted to fulfill certain objective and these objectives in

turn fulfill some purpose. MBA curricular is designed to give more practical

exposes to the student so that he can make use of theoretical knowledge in

the real life situation, with this thrust dissertation study has been included

which provides opportunity to research to gain practical insight of the market.

This hand on experience helps him in identifying the critical factor of

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consumer buying behavior. This rich experience will be great help in

researcher’s future endeavors and it also solves the purpose for the partial

fulfillment of MBA curriculum.

I sincerely believe that road to improvement is never- ending and one always

learns from a new experience. This project is a step towards gaining

knowledge about real world and putting the theory of practice. I shall look

forward to and gratefully acknowledge all suggestion on this small step I have

taken.

The report consists of a step–wise efforts towards meeting the objectives of

the study. It covers the step-wise collection of data collection and the

representation of the data together with the analysis. It also includes some

suggestions put forward hoping it would help the company achieve its vision.

MANAGERIAL USEFULNESS OF THE STUDY

The marketing department can use this study to enhance their marketing

strategies for better sales. This report helps marketing department in taking

decision to what change in distribution channels and what should be done so

that marketing problem could be shorted out and how to sell their range of

product in the competitive market.

The very essence of every project related to marketing is providing a view to

management for chalk out the organization. So that they can maintain a viable

fit between the organization objective, skill and resources and it’s changing

market opportunities. Also give proper shape to the company business target

profit and growth. It provides a feedback to the organization about their sales,

sales schemes and what impact dose it has on the retailers and consumer.

Every market research proves useful suggestion to the organization.

Marketing research helps the firm in every component of the total marketing

task. It helps the firm in every component of the total marketing task. It helps

the firm acquire a better understating of the buyer, the competition and

marketing environment. It also aids the formulation of the marketing mix,

product, distribution and pricing needs marketing research support. It also in

taking the information of competitor’s strategies and their impact on the buyer.

The study revels may fact that have come up during the project and these

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facts can either be used as opportunities in exploring and expending the

business as well as can be used as safeguard against threats by the

competitors to prepare an effective marketing strategy. Every market research

proves usefulness to the organization. Marketing research helps the firm in

every component of the total marketing task. Its helps the firm acquire a better

understanding of the consumer, the competition and the marketing

environment. It also aids he formulation of marketing mix, decision on each

element of marketing mix, product, distribution and promotion and pricing etc

need the support of marketing research

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LIMITATIONS OF THE PROJECT

Services of competitors:

We cannot give proper comment on competitor’s services till we use it. But Itry to collect as accurate information as possible. As we all know services are

intangible and we cannot predict its quality, it is a thing to feel not to see.

No proper assurance of right information:

The main data sources are websites, telephonic information and offices visit.

• The data on websites might be possible, not get updated.

• The marketing person might be possible, is not through with all

concepts to whom I contacted.

• Sometimes, they try to hide information.

• Lack of awareness of Stock market: -- Since the area is not known

before it takes lot of time in convincing people to start investing in

shares primarily in IPO’s.

Mostly people comfortable with traditional brokers: -- As people are doingtrading from there respective brokers, they are quite comfortable to trade via

phone.

Lack of Techno Savvy people and poor Internet penetration:

- Since most of the people are quite experienced and also they are not techno

savy. Also Internet penetration is poor in India.

Some respondents are unwilling to talk: -- Some respondents either do not

have time or willing does not respond, as they are quite annoyed with the

phone call.

Inaccurate Leads: -- Sometimes leads are provided which had error in it

which varies from only 5 digit phone number to wrong phone number

Misleading concepts: -- Some people think that Shares are too risky and just

another name of gamble but they don’t know its not at all that risky for long

investors.

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SCOPE OF THE STUDY

These are some of the following scope of the study:-

1. The present study can be extended to assess the present marketingcondition of stock market.

2. The study can be used to design a proper product, price, place &

promotional strategy for stock market.

3. From the present study we can know the market share of different by-

products and accordingly formulated strategy to enhance it.

4. The result of marketing success of different by-product can be

interpreted to assess the rate of employee’s satisfaction in that department

(marketing).

5. This study can be applied to find out an effective distribution channel to

enhance the sale of by-product of Reliance Money.

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COMPETITOR ANALYSIS

5 Paisa

5paisa is Online Stock Trading Company of India Infoline

Securities Private Ltd. , Owner of popular business portal

Indiainfoline.com. Besides high quality investment advice

from an experienced research team, the site offers real time

stock quotes, market news and multiple tools for technical

analysis. Trading is available in BSE and NSE.

Trading Terminals Available

Investor Terminal (IT)

Investor Terminal is 5Paisa's equity trading terminal for

low volume trader. This is web based terminal and

could access from anywhere. This product provides

limited features in comparison of Trader Terminal,

which is another product provided by 5Paisa.

Trader Terminal (TT)

Trader Terminal is for high volume equity traders.

Trader Terminal provides high volume trading with

powerful interface and fast order execution.

Advantages of 5paisa Trading Terminals

1. Very fast execution speed.

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Disadvantages of 5paisa Trading Terminals

1. No intra-day tick by tick charts in Investor Terminal

(IT).

2. Learning 5paisa Trading Terminal is litt le hard.

Motilal Oswal Securities

Motilal Oswal Securities Ltd. (MOSt) is one of the best

broking houses in India. Founded in 1987, MOSt has in 200

cities through 400 outlets. MOSt provide advice-based

broking (equities and derivatives), portfolio management

services (PMS), e-Broking, depository services, commodities

trading, IPO and mutual fund investment advisory services.

Type of Account

MOSt E-Broking

MOSt E-Broking is complete online stock trading

solution for Indiaian stock market. Following are the

features of MOSt E-Broking account:

o

Easy single screen trader with instant tradeconfirmation similar to exchange based trading

terminals.

o Access to various online reports like margin

report, Demat A/c details, trades executed,

turnover report, net position report with mark to

market profit/ loss and realized profit.

o Online transfer funds through HDFC Bank.

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How to open account with Motilal Oswal Securities Ltd.

(MOSt)?

You could use one of the following options to open account

with ICICIDirect.

• Visit MotilalOswal.com and fill the "Open an Account"

form.

• Contact MOSt by sending email at

[email protected]

• Call MOSt and tell them that you are interested in

opening an account with them.

Awards

1. 2005, Asiamoney Brokers ranked MOSt the best Indian

brokerage fi rm in India.

2. March 2006, AQ Research declared MOSt the best

research house for Indian stocks.

HDFC Securities

HDFC Securities (HDFCsec) is Equity Trading Company of

HDFC Bank. HDFC Securities provide both online trading

and trading on phone. The HDFC Securities trading account

has a unique 3-in-1 feature that integrates your HDFC

Securities trading account with your existing HDFC bank

savings account and existing Demat account. Funds / shares

are seamlessly moved from the linked Demat/Bank account

to execute the transactions.

HDFCsec provides Cash-n-Carry on both NSE and BSE, Day

trading on both NSE and BSE, Trade on Futures & Options

on the NSE and Online IPO Investment.

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mailto:[email protected]

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Mutual Funds and IPOs online. Following are few

popular features of this account:

a. Online trading account for investing in Equities

and Derivatives.

b. Short learning curve helps you to start quickly.

c. Easy to use features.

d. Evaluate & buy mutual funds schemes online and

check on fund rankings through our performance

map.

e. Apply for IPO’s online. No paper work or check

required for applying in IPOs.

f. Integration of: Online trading + Bank + Demat

account

g. Trading is available in both BSE and NSE.

Paisa Power Streaming Trading Terminal

Paisa Power Streaming Account

Paisa Power Streaming Account for online trading is for

high volume and frequent equity traders. As classic

account this account also provides investment options

in Stocks, Mutual Funds and Initial public offers online.

Following are few popular features of this account:

h. Live refreshing equity prices, which enable you to

keep track of every price movement as soon as it

takes place.

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familiar with the process on investing through

Idbipaisabuilder.

How to open an account with IDBIPaisaBuilder?

Over Internet:

Fill a simple form and Idbipaisabuilder representative

will contact you with all formalities to open an account.

On Phone:

Call Toll Free Number: 1800-22-3366 or 022-3291 5001

Through Email:

Simply send an email to [email protected] ,

requesting for any information you required.

Visit Branch Offices:

Click here to find out nearest IDBIPaisaBuilder Branch

Offices.

Useful links & info about IDBIPaisaBuilder

1. Official website: http://www.idbipaisabuilder.in/

2. List of Branch Offices .

3. Product Demo: Paisa Power Classic Account

4. Product Demo: Paisa Power Streaming Account

5. Corporate office:

IDBI Capital, Mafatlal Center, 5th Floor

Nariman point, Mumbai 400-021 India

6. Customer Service E-mail: email-

[email protected]

7. Customer Service Phone: 1800-22-3366

34


http://www.idbipaisabuilder.in/common/branchlocator.asp

http://www.idbipaisabuilder.in/


http://idbipaisabuilder.in/equity/eqclassicdemo.asp

http://idbipaisabuilder.in/equity/eqstreamingdemo.asp



http://www.idbipaisabuilder.in/


http://idbipaisabuilder.in/equity/eqclassicdemo.asp

http://idbipaisabuilder.in/equity/eqstreamingdemo.asp

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ICICIDirect

ICICIDirect (or ICICIDirect.com) is stock trading company of

ICICI Bank. Along with stock trading and trading in

derivatives in BSE and NSE, it also provides facility to invest

in IPOs, Mutual Funds and Bonds. Trading is available in

BSE and NSE.

Type of Account

Share Trading Account

Share Trading Account by ICICIDirect is primarily for

buying and selling of stocks in BSE and NSE.

This account allows Cash Trading, Margin Trading,

MarginPLUS Trading, Spot Trading, Buy Today Sell

Tomorrow and Call and Trade on phone.

ICICIDirect.com website is the primary trading platform

for this trading account. They also provide installable

application terminal based application for high volume

trader.

Wise Investment Account

Along with stock trading and IPO investing in BSE and

NSE, Wise Investment account also provide options to

invest in Mutual Funds and Bonds online.

Online Mutual funds investment allows investor to

invest on-line in around 19 Mutual Fund companies.

ICICI Direct offers various options while investing in

Mutual Funds like Purchase Mutual Fund, Redemption

and switch between different schemes, Systematic

Investment plans, Systematic withdrawal plan and

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transferring existing Mutual Funds in to electronic

mode. This account also provides facility to invest in

Government of India Bonds and ICICI Bank Tax

Saving Bonds .

ICICIDirect.com website is the primary tool to invest in

Mutual Funds, IPOs, Bonds and stock trading.

Active Trader Account

Active Trader account gives more personalized

investment options to the investors. It allows investor

to use online and offline stock trading. It also provides

with independent market expertise and support through

a dedicated Relationship Manager from ICICI.

Active Trader also provides commodity trading.

Brokerage and fees :

1. Account opening fees : Rs 750/- (One time non-

refundable)

2. Brokerage : ICICIDirect.com brokerage varies onvolume of trade and inclusive of demat transaction

charges, service taxes and courier charges for contract

notes. It ranges from 0.1% to 0.15% for margin trades,

0.2% to 0.425% for squared off trades and 0.4% to

0.85% on delivery based trades.

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How to open account with ICICIDirect?

For Online Stock Trading with ICICI, investor needs to open

3 accounts...ICICI Bank Account, ICICI Direct Trading

Account and ICICI Demat Account (DP Account).

Note: If you already have a bank account or demat account

with ICICI, you could link it with new ICICIDirect trading

account.

Opening trading account with ICICI is easy. You could use

one of the fol lowing options to open account with

ICICIDirect.

• Visit ICICIDirect.com and fill the "Open an Account"

form.

• Call ICICI and tell them that you are interested in

opening an account with them.

In both the cases ICICI representative contact you in a day

or two and tell you about the procedure to open the account.They usually send somebody to your home to collect

documents, signature and for demo if required.

Advantages of ICICIDirect

1. 3-in-1 account integrates your banking, broking and

demat accounts. All accounts are from ICICI and very

well integrated.

2. Investment online in IPOs, Mutual Funds, GOI Bonds,

and Postal Savings Schemes all from one website.

General Insurance is also available from ICICI

Lombard.

3. Trading is available in both BSE and NSE.

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Disadvantages of ICICIDirect

1. Getting access to ICICIDirect.com website during

market session can be frustrating.

2. ICICIDirect brokerage is high and not negotiable.

3. Not all stocks are available under Margin Plus.

ShareKhan

Sharekhan is online stock trading company of SSKI Group ,

provider of India-based investment banking and corporate

finance service. ShareKhan is one of the largest stock

broking houses in the country.

Sharekhan's equity related services include trade execution

on BSE, NSE, Derivatives, commodities, depository

services, online trading and investment advice. Trading isavailable in BSE and NSE. Along with Sharekhan.com

website, ShareKhan has around 250 offices around the

country.

Type of Account

Classic Account Trading Terminal

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Share Khan Classic account

Allow investor to buy and sell stocks online along with

the following features like multiple watch lists,

Integrated Banking, demat and digital contracts, Real-

time portfolio tracking with price alerts and Instant

credit & transfer.

a. Online trading account for investing in Equities

and Derivatives

b. Free trading through Phone (Dial-n-Trade)

I. Two dedicated numbers for placing your

orders with your cellphone or landline.

II. Automatic funds transfer with phone banking

(for Citibank and HDFC bank customers)

III. Simple and Secure Interactive Voice

Response based system for authentication

IV. get the trusted, professional advice of our

telebrokers

V. After hours order placement facility between

8.00 am and 9.30 am

c. Integration of: Online trading + Bank + Demat

account

d. Instant cash transfer facility against purchase &

sale of shares

e. IPO investments

f. Instant order and trade confirmations by e-mail

g. Single screen interface for cash and derivatives

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Speed Trade Treading Terminal

ShareKhan Speed Trade account

: This accounts for active traders who trade frequently

during the day's trading session. Following are few

popular features of Speed Trade account:

h. Single screen interface for cash and derivatives

i. Real-time streaming quotes with Instant order

Execution & Confirmation

j. Hot keys similar to a traditional broker terminal

k. Alerts and reminders

l. Back-up facility to place trades on Direct Phone

lines

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India bulls

India bulls is India's leading Financial Services and Real

Estate Company having presence over 414 locations in more

than 124 cities. India bulls Financial Services Ltd is listed on

the National Stock Exchange, Bombay Stock Exchange,

Luxembourg Stock Exchange and London Stock Exchange.

Type of Account

India bulls Equity Trading Account

India bulls Equity Trading Account is standard Online

trading account from India bulls and along with online

trading it also provides priority telephone access that

gives you direct access to your Relationship Manager

and full access to 'India bulls Equity Analysis'.

Application Trading Terminal (Need Installation)

Power India bulls

Power India bulls trading terminal is the most advanced

new generation trading platform with great speed. This

trading terminal is built in JAVA.

Power India bulls is extremely reach in features

including Live Streaming Quotes, Fast Order Entry andexecution, Tic by Tic Live Charts, Technical Analysis,

Live News and Alerts, Extensive Reports for Real-time

Accounting.

Document Required to open Equity Trading Account with

India bulls

1. One passport size photograph.

2. Proof of bank account

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3. Copy of PAN card.

4. Identity proof - copy of passport or PAN card or voter

ID or driving l icense or ration card.

5. Address proof - copy of driving license or passport or

ration card or voter card or telephone bill or electricity

bill or bank statement.

Brokerage and fees :

1. Account opening fees : Rs 1200/- (One time non-

refundable) as below:

250/- Equity Trading Account opening charge

200/- Demat Account opening charge

750/- Software changes

Advantages of India bulls Equity Trading Account

1. Brokerage is less compare to other online trading

companies.

2. Provide trading terminal 'power bulls', a java based

software. I t's very fast in terms of speed and execution.

Disadvantages of India bulls Equity Trading Account

1. Cannot Apply IPO.

2. Need a HDFC account for instant transfer.

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ANALYSIS AND INTERPRETATION

Q1.) Reliance Money is a part of:

Reliance Capital RelianceTelecommunicatio

n

Reliance Energy RelianceIndustries

150

150

0

20

40

60

80

100

120

140

160

Reliance Capital Reliance

Telecommunication

Reliance Energy Reliance Industries

Q2.) Reliance Money is owned by:

Anil Dhirubhai Ambani Mukesh Ambani Don’t Know150

150

0

20

40

60

80

100

120

140

160

Anil Dhirubhai

Ambani

Mukesh Ambani Don’t Know

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Q3.) Reliance Money deals in

Equity Mutual Funds Life/GeneralInsurance

Credit Cards All

110 70 50 40 40

110

70

50

40 40

0

20

40

60

80

100

120

Equity Mutual Funds Life/General

Insurance

Credit Cards All

Q4.) Are you aware of Investment options available in the market?

Yes No

110 40

Yes

73%

No

27%

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Q5.) Which type of investment would you prefer?

Short term Long term

120 30

Short term80%

Long term

20%

Q6.) What is the level of your risk tolerance for investment?

Low Risk High Risk ModerateRisk

Very HighRisk

Zero Risk

70 30 10 20 20

Low Risk

47%

High Risk

20%

Moderate

Risk

7%

Very High

Risk

13%

Zero Risk

13%

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Q7.) Which Risk/Return pattern do you expect from your investment fund?

Low risk/Lowreturn

Lowrisk/Moderate

return

Moderaterisk/Moderate

return

High risk/Highreturn

25 45 50 30

Low risk/Low

return

17%

Low

risk/Moderate

return30%

Moderaterisk/Moderate

return

33%

High risk/High

return

20%

Q8.) In which sector will you prefer to invest your money?

Govt. sector Private sector Both

60 30 60

Govt. sector

40%

Private sector

20%

Both

40%

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Q9.) In which investment option will you like to put your money?

Securities Fixed Deposits Mutual Funds Insurance

70 110 50 120

70

110

50

120

0

20

40

60

80

100

120

Securities Fixed Deposits Mutual Funds Insurance

Q10.) What is your purpose of Investment?

ChildrenEducation

RetirementBenefit

Marriage of Children

Futurecontingencies

25 50 30 45

Children

Education

17%

Retirement

Benefit

33%Marriage of

Children20%

Future

contingencies

30%

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Q11.) Your yearly average investment?

< Rs.50,000 Rs.50,000∼ Rs.2 lac Rs.2 lac∼ Rs.5 lac

100 25 25

Rs.50,000

66%

Rs.50,000- Rs.2

lac

17%

Rs.2 la c-Rs.5 lac17%

Q12.) Rank the investment options on a scale of 1to 5. (5 is highest)

IPO Mutual Funds Equity ULIP FixedDeposits

1 4 3 2 5

5

4

3

2

1

0

0.5

1

1.5

2

2.5

3

3.5

4

4.5

5

R a n k s

Fixed

Deposits

Mutual Funds Equity ULIP IPO

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Q13.) W hat factors you consider while investing your money? (Rank 1 to 5, 1is lowest)

Tax Benefit Return Benefit Safety Risk

1 4 3 2

1

4

3

2

0

0.5

1

1.5

2

2.5

3

3.5

4

R a n k s

Tax Benefit Return

Benefit

Safety Risk

Q14.) Do you have a Demat Account, if yes specify the company?

Reliance Money Sharekhan India bulls

50 40 60

Reliance Mon

33%

Sharekhan

27%

Indiabulls

40%

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Q15.) Which type of company would you prefer to invest in under IPO’s?

Large Cap Mid Cap Small Cap

60 50 40

Large Cap

40%

Mid Cap

33%

Small Cap

27%

Q16.) Which type of investment will you prefer for Mutual Fund?

SIP Lumpsum

110 40

SIP

73%

Lumpsum

27%

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Q17.) Which type of fund you prefer to invest in?

Equity Balance Growth

50 60 40

Equity

33%

Balance

40%

Growth

27%

Q18. What are the various sources from where you get the information oninvestment options?

Magazines FinancialNewspapers

Websites Agents/Relationship managers

15 45 25 80

0

10

20

30

40

50

60

70

80

Magazines Websites

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DISCUSSION

To say that online investing has grown extraordinarily fast over the pastcouple of years is akin to describing Marilyn Monroe as reasonably attractive.

While it may be easy to trade on the Net, finding the right online broker takes

some doing.

Given that online trading is still at a nascent stage, online brokers are willing

to offer many options -- brokerages that decline as volumes soar, waiver of

account opening charges, access to research reports, and the facility of

transacting in financial instruments through the trading website. So whom

should you choose? The answer depends on a host of variables -- both

qualitative and quantitative.

Qualitative factors are usually a little hard to assess and largely pertain to

expectations of service standards. It helps to talk to acquaintances who trade

online about the website's reliability, ease of fund transfer and transaction,

and the customer service quality of the e-broker, the only human interface in

the entire mechanism. Nonetheless, there are some key factors that help you

compare e-brokers.

Brokerage. It's a recurring cost and can potentially draw down returns. Every

player claims that his brokerage is the lowest or at least promises to charge

the minimum once an investor opens an account and starts trading. But this

promise is contingent on the trading volumes of the investor.

The brokerage differs from company to company. To give an indicative figure,

ICICIDirect.com charges 0.75 per cent for a quarterly volume of less than Rs

10 lakh (Rs 1 million) and 0.25 per cent for an amount in excess of Rs 5 crore

(Rs 50 million).

The brokerage for the quarter that follows the opening of an online trading

account is determined by the opening amount of investment, irrespective of

the subsequent investments in that quarter.

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Any amount due to either the broker or investor over and above the brokerage

paid is settled every quarter and the opening amount of the next quarter

determines the brokerage that will be paid in that quarter.

While 5paisa.com has the lowest brokerage -- 0.25 per cent -- on delivery,

Angel Broking offers the lowest -- 0.02 per cent -- on intra-day trading (see A

Comparative Look at Online Brokers).

Position traders -- investors who buy and hold securities for the long haul --

typically opt for low brokerages. Daily traders, who trade in large volumes,

usually settle for what brokers call zero per cent brokerage.

This does not mean that they are not charged brokerage, but alludes to a

fixed brokerage fee irrespective of turnover or up to a certain turnover for a

period of time: higher the investment, lower the brokerage.

For instance, Reliance Money charges Rs 500 for delivery-based volumes up

to Rs 10 lakh (Rs 1 million) for two months. If one trades with 5paisa.com for

the same volume, the brokerage amount will be Rs 2,500 (at the rate of 0.25

per cent brokerage). So, at this volume, Reliance Money scores over

5paisa.com. However, the fixed brokerage of Reliance Money is higher than

5paisa.com's brokerage for investments less than Rs 2 lakh.

For onliners

• Brokerage is a recurring cost. Higher trading volume slabs attract lower

brokerage. You'll also have to pay an annual maintenance charge.

• Some brokers insist on a minimum transaction volume and charge their

lowest brokerage for it.

• Opt for the same depository and trading body to avoid delays in

settlement of shares and cash.

• Margin trading could attract higher brokerage than regular transactions.

• Online brokers provide regular updates on market favourites.

• Pick the online broker with the maximum number of collaborating

banks.

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• Check out the website's speed and reliability, ease of fund transfer, and

the e-broker's customer service quality.

• The broker's infrastructure should be able to handle large trade

volumes.

Account opening and maintenance costs. In order to trade, an investor

needs to open two accounts with the brokerage firm - a demat account to

keep the shares and a trading account to trade.

If cost is an issue, you may select Almondz, for instance, since it charges only

Rs 400 for opening an account (see A Comparative Look at Online Brokers),

but do not hold a demat account with one company and a trading account with

another since it delays the settlement of shares and cash.

Another fixed cost is the annual maintenance charge. While some companies

such as Kotak Securities have a high maintenance charge, Almondz,

Religare, Reliance Money, 5paisa.com and India Bulls charge nothing at all.

Minimum trade requirements. Some online brokers insist on a minimum

transaction volume for which they charge their lowest brokerage. For

instance, ICICIDirect.com has set its minimum transaction at Rs 500 andcharges a brokerage of Rs 25 on it. Geojit Financial Services has not fixed a

minimum transaction amount, but the minimum brokerage is Rs 20.

Margin trading. This is available in the online domain and involves paying

only a proportion of the trade value upfront. Such trades could attract higher

brokerage than the regular transactions.

Mostly traders, who go for intraday transactions, go for this form of trading.

Investors typically invest for longer periods and margin trading is not suitable

for them as brokers charge huge interest on the value of the trade that is not

paid upfront.

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Access to research. Online brokers provide regular updates on market

favourites - stocks to buy, hold or sell - through the Net as well as SMS. Apart

from this, a relationship manager is appointed who works as an intermediary

between the investor and the broker, and plays the helpful tipper.

Investors need to remember amidst the daily onslaught of tips that too much

trading does not necessarily translate into big bucks.

Tie-ups with banks. To trade with a broking company, you need to have an

account with one of its collaborating banks. Typically, broking firms have

fewer collaborations with public sector banks. Almondz scores above others

here since it has tie-ups with numerous private sector banks and 19 public

sector ones.

Apart from the charges mentioned above, an investor is required to pay the

security transaction tax and service tax (including education cess of 3 per

cent), which amount, respectively, to 0.125 per cent of the transaction value

and 12.36 per cent of the brokerage amount. These also raise the cost of the

trade.

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CONCLUSION AND RECOMMENDATION

CONCLUSION

Investing in various types of assets is an interesting activity that attracts

people from all walks of life irrespective of their occupation, economic status,

education and family background. When a person has more money than he

requires for current consumption, he would be coined as a potential investor.

The problem of surplus gives rise to the question of where to invest.

For an investor the main investment objectives are increasing the rate of

return & reducing the risk other objectives like safety, liquidity & hedge against

inflation can be considered as subsidiary objectives.

While investing in stock market the first step is to assess a company from a

qualitative standpoint and determining whether you should invest in it are as

important as looking at sales and earnings. This strategy may be one of the

simplest, but it is also one of the most effective ways to evaluate a potential

investment.

Moreover growth investors are concerned with growth. The guiding principle

of growth investing is to look for companies that keep reinvesting into

themselves to produce new products and technology. Even though the stocks

might be expensive in the present, growth investors believe that expanding

top and bottom lines will ensure an investment pays off in the long run.

Lastly the Technical analysis is unlike any other stock picking strategy--it has

its own set of concepts, and it relies on a completely different set of

criteria than any strategy employing fundamental analysis. However,

regardless of its analytical approach, mastering technical analysis

requires discipline and savvy, just like any other strategy.

The Indian Capital Market constitutes of various investment options for retail

investors. Recently there has been a change in the investment patterns of

individual investors. The investors have started of taking risk in the capital

markets. They are after the higher returns on their investments and thus they

look towards broking firms for their investments.

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BIBLIOGRAPHY

BOOKS:

Bhalla, V K. Investment management: Security Analysis and

Portfolio Management, 8 th ed; New Delhi, S. Chand, 2001.

Fischer, Donald E. and Jordan, Ronald J. Security Analysis and

Portfolio Management. 6th ed; New Delhi, Prentic Hall of India,

1995.

INTERNET LINKS:-

www.investsmartonline.com

www.indiainfoline.com

www.sharekhan.com

www.indiabulls.com

www.icicidirect.com

www.kotaksecurities.com

www.nseindia.com

www.bseindia.com

www.sebi.com

www.econimictimes.com

www.businessstandard.com

SEARCH ENGINE USED:-

http://www.google.com

http://www.yahoo.com

59

http://www.indiainfoline.com/

http://www.sharekhan.com/

http://www.indiabulls.com/

http://www.icicidirect.com/

http://www.kotaksecurities.com/

http://www.nseindia.com/

http://www.bseindia.com/

http://www.sebi.com/

http://www.econimictimes.com/

http://www.businessstandard.com/


http://www.yahoo.com/

http://www.indiainfoline.com/

http://www.sharekhan.com/

http://www.indiabulls.com/

http://www.icicidirect.com/

http://www.kotaksecurities.com/

http://www.nseindia.com/

http://www.bseindia.com/

http://www.sebi.com/

http://www.econimictimes.com/

http://www.businessstandard.com/


http://www.yahoo.com/

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QUESTIONNANIRE

NameAge:Gender:Profession:Address:

Q1.) Reliance Money is a part of:

A1.) Reliance Capital Reliance Telecommunication

Reliance Energy Reliance Industries

Q2.) Reliance Money is owned by:

A2.) Anil Dhirubhai Ambani Mukesh Ambani Don’t Know

Q3.) Reliance Money deals in

A3.)

Equity

Mutual Funds

Life/General Insurance

Credit Cards All

Q4.) Are you aware of Investment options available in the market?

A4.) Yes No

Q5.) Which type of investment would you prefer?

A5.)

Short term

Long term

Q6.) What is the level of your risk tolerance for investment?

A6.) Low Risk High Risk Moderate Risk Very High Risk

Zero Risk

Q7.) Which Risk/Return pattern do you expect from your investment fund?

A7.)

Low risk/Low return

Low risk/Moderate return Moderate risk/Moderate return High risk/High return

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Q8.) In which sector will you prefer to invest your money?

A8.) Govt. sector Private sector Both Other

Q9.) In which investment option will you like to put your money?

A9.) Securities Fixed Deposits Mutual Funds Insurance

Others

Q10.) What is your purpose of Invesatment?

A10.) Children Education Retirement Benefit

Marriage of Children

Future contingencies

Q11.) Your yearly average investment?

A11.) < Rs.50,000 Rs.50,000∼ Rs.2 lac Rs.2 lac∼ Rs.5 lac

>Rs.5 lac

Q12.) Rank the investment options on a scale of 1to 5.

A12.) IPO Mutual Funds Equity ULIP Fixed Deposits

Q13.) W hat factors you consider while investing your money?

A13.) Tax Benefit Return Benefit Safety Risk

Q14.) Do you have a Demat Account, if yes specify the company?

A14.) Reliance Money Sharekhan Indiabulls

(if other, please specify).

Q15.) Which type of company would you prefer to invest in under IPO’s?

A15.) Large Cap Mid Cap Small Cap

Q16.) Which type of investment will you prefer for Mutual Fund?

A16.) SIP Lumpsum

Q17.) Which type of fund you prefer to invest in?

61

8/7/2019 Project St


A17.) Equity Balance Growth

project st

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