61524529 Hdfc Standard Life Insurance Company Recruitment and Selection 1

8/13/2019 61524529 Hdfc Standard Life Insurance Company Recruitment and Selection 1

1/71

SUMMER TRAININGON

RECRUITMENT AND SELECTION OF

HDFC STANDARD LIFE INSURANCE COMPANYSubmitted in partial ul illment ! t"e re#uirement$ !r t"e a%ard

! de&ree !

BACHELOR OF BUSINESS ADMINISTRATION

SESSION 2013-2014M.G.K.V.P VARANASI

Subm !!"# !$ Subm !!"# B%Dr' Y'P Sin&" SARITA

MISHRA

SHEPA. I.C.S.T R$&& N$ 11'(001'

INSTITUTE OF COMPUTER SCIENCE (

TECHNOLOGY )SHEPA*


2/71

Nibia+ ,a-"-""a!n+ .RM ,/pa$$ .arana$i011

Student de-larati!n

I #")&*+" !,*! !," SUMMER TRAINING " ! !&"# SUMMER TRAINING ONRECUIRTMENT AND SELECTION IN HDFC LIFE INSURENCE/ I * $+ *$ " b% m" * # $ *+! $ !," SUMMER TRAINING !* " +$m * % $!,"+SUMMER TRAINING $+ m*!"+ *& ub& ,"# $+ $!,"+5 " $+ ubm !!"# "*+& "+ !$ * %$!,"+ )$&&" " $+ u 6"+ !%.

SARITA MISHRA

2


3/71

AC2NO3LEDGMENT

I 5* *)! 6"&% 6$&6"# 5 !, HDFC S!* #*+# & " u+* )" )$m * % &!#

Lu) $57 $+ * "+ $# $ 8 5"" 7 * # I )*m" *)+$ * &$! $ "$ &" 5,$

u! !," + ! m" * # " $+! !$5*+# *))& m*! 9 m" !$ !," 5$+ $ !," +

$+ * 9*! $ .

F + !&% I 5$u & " !$ !,* M+. VARUN AHU:A !," BRANCH

MANAGER $ !," HDFC S!* #*+# L " I u+* )" C$m * % L!#. $+ 6 m"

$ $+!u !% !$ 5$+ 5 !, !, $+ * 9*! $ .

I 5$u & " !,* M+.CHANDAN :;OTI 5 !,$u! 5,$ " u $+!7 !,SUMMER TRAINING 5$u $! ,*6" b"" $ b&". H"*+! " ! !,* $+ ,

)$ !* ! u $+! * # m$! 6*! $ .

M% +*! !u#" !$ "6"+%$ " !,"+" *! HDFC S!* #*+# L " C$m * % 5,$ ,*

,"& "# m" # +")!&% $+ # +")!&% !," )$m &"! $ $ !, SUMMER

TRAINING .

3


4/71

PREFACE

I7 !u#" ! $ INSTITUTE OF COMPUTER SCIENCE < TECHNOLOG; =SHEPA>

* & *!"# !$ M.G.K.V.P V*+* * u+ u BBA )$u+ ". I ,*6" u! m% )"+"

" $+! !$ *))$m & , m% $b?")! 6" 5 !, !," ! u&*!"# ! m".

D" !" *&& !," & m !*! $ 7 $b !*)&" 7 ,u+#&" * # , #+* )" 7 I ,*6" !$ &"# * #

5$+ "# !$ m% $ ! mum $!" ! *& !$ *), "6" !," #" +" $*&. B" !," , ,&%

)$m "! ! 6" 5$+ $ bu " 7 I )*m" *)+$ $m" # )u&! " !$ m* " m%

$b?")! 6" * +"*& !%. A %,$57 5 !, !," # ,"& * # " u " !"+" ! $ $ " * # *&&

* # $+m*&&% u $+!"# b% !," u #* )" $ m% u #"7 I *m +" " ! !, ,* #

)*+6"# " $+! )$&$+"#. I !+ "# m% &"6"& b" ! !$ )$ #u)! * +" "*+), !$ * *

!,$+$u , $5&"# " *b$u! !," SUMMER TRAINING m% !$ ) R")+u !m" !* # S"&")! $ $ HDFC S!* #*+# L " I u+* )" C$m * %/ I ,*6" u! !," b" ! $ m%

" $+! * # ,*6" *& $ !+ "# !$ #$ ?u ! )" 5 !, !," *6* &*b&". I * %5,"+" $m"!,

$u # u *))" !*b&" $+ u ")" *+% !$ !," !,"m"7 %$u *+" 5"&)$m" 5 !, %$u+

6*&u*b&" u " ! $ .

4


5/71

@


6/71

E4ECUTI.E SUMMARY

HDFC S!* #*+# L " u+* )" I # * +"m "+ u+* )" " *b& )$m * %.

HDFC S!* #*+# L " u+* )" !," $ "- !$ - ,$ $+ +" u +"m" ! $ "+6 )"

!," *+"* $ u+* )"7 $ ! mum 6" !m" !7 * ) *& )$6"+* " * # &$ " 7 m$+!*& !%

b" " !7 * # ,"*&!, $ ! $ "!). T, b*) "# b% HDFC S!* #*+# & " u+* )"

"+6 )" u $+! +* !+u)!u+" - !," 5 #" ! !," )$u !+%.

T," $b?")! 6" $ !," SUMMER TRAINING 5* !$ u #"+ !* # ,$5 * ) *&

)$ u&!* ! &*% m $+!* ! +$&" $+ u+* )" )$m * % & " HDFC STANDARD

LIFE. S$ !$ u #"+ !* # !," +$)" $ R")+u !m" ! $ * ) *& )$ u&!* ! HDFC

STANDARD LIFE .

T," m* $b?")! 6" $ !," SUMMER TRAINING !$ u #"+ !* # !," +")+u !m" !

* # "&")! $ $ * ) *& )$ u&!* ! m$+" " ")! 6"&% * # " ) " !&%7 b")*u

* ) *& )$ u&!* ! &*% m$ ! m $+!* ! +$&" bu " $ u+* )". M*+ "!

Pu " ) !% 5* !*+ "!"#. V*+ $u *+"* ) !% 5"+" "&")!"#. T," #*!* *6"$5&"# " *b$u! )u !$m"+ *! *)! $ 7 &$%*&!% < !," + ""& *b$u! !," HDFC

S!* #*+# L " I u+* )".

R")+u !m" ! 5* )$ #u)!"# u u" ! $ * +". T," $+m*! $ *b$u! 6*+ $u

*!!+ bu!" < *)!$+ 5* )$&&")!"# *b$u! !," * ) *& )$ u&!* !. A&& !," #*!*

)$&&")!"#7 + m*+% #*!* 5* &!"+"# < * *&%9"#7 +" +" " !"# !," $+m $ +* , . H" +$ " !$ b")$m" C,* +m** # )$ ! u"# $ ! && , +"! +"m" ! 1 '2.A! !," + " * " $ (07 H* mu ,b,*

!*+!"# , ")$ # #% *m ) & "7 "6" m$+" I&&u !+ $u !,* , + !. H 6 $ m$+! * " * )" $+ ,$u *6" b +!, !$ !,"

H$u D"6"&$ m" ! F * )" C$+ $+*! $ I! 5* * !+" #- "!!"+ $+ ,$u* )" !," ,$&" A * )$ ! " !. H" 5* *& $ * 5+ !"+ , $5 + ,!. T,"+"

*+" $6"+ 200 ub& ,"# *+! )&" b% , m... I 1 27 !," G$6"+ m" ! $ I # * ,$ $+"#, m 5 !, !," P*#m* B,u ,* A5*+#.

L$ #$ S),$$& $ E)$ $m ) < P$& ! )*& S) " )" )$ "++"# $ , m * H$ $+*+%F"&&$5 , .H" 5* $ " $ !," F$u #"+ M"mb"+ $ !," C" !+" $+ A#6* )"m" ! $P, &* !,+$ %7 * # ! C,* +m* ! && 1 3. H" !$$ *)! 6" !"+" ! !," B$mb*%

'


8/71

C$mmu !% Pub& ) T+u !7 #" "# ") )*&&% !$ "+6" !," ""# $ !," ) !%u #"+ + 6 &" "# ) ! 9" . ," M+. D"" * P*+ , !$$ $6"+ * C,* +m* +$mH* mu ,b,* 7 ," * # T* $6"+ +$m H.T. P*+ , * $+m #*b&" !* ,6 $ J b+$u ,! *b$u! $! O &% * ! !u! $ 7 bu! * " ! +" )$ )" ! 5, ), ,*

+$6"# ! "& !$ b" $ &* ! Im $+!* )"./

T," S!* #*+# L " A u+* )" C$m * % = S!* #*+# L " > 5* " !*b& ,"# 182@* # !," + ! S!* #*+# L " A u+* )" C$m * % A)! 5* * "# b% P*+& *m" ! 1832. S!* #*+# L " 5* +" )$+ $+*!"# * * mu!u*& * u+* )" )$m * % 1 2@.

T," S!* #*+# L " +$u $+ *&&% $ "+*!"# $ &% !,+$u , b+* )," $+ * " ) " $!," mu!u*& )$m * % !," U !"# K #$m * # )"+!* $!,"+ )$u !+ " .

I! C* *# * b+* ), 5* $u #"# 1833 * # ! I+ , $ "+*! $ 1838. T,

&*+ "&% +"m* "# !," !+u)!u+" $ !," +$u u ! & 1 (7 5," ! $ " "# * b+* ), F+* u+!7 G"+m* % 5 !, !," * m $ " $+! ! UK & " * u+* )" * # " $$ "+*! m$#"& !$ )* !*& " $ !," $ $+!u ! " +" " !"# b% EC D +")! 6"

2 ( EEC =!," T, +# L " D +")! 6"/> * # $ "+ * +$#u)! +* " !,*! m*+ "! 5 !,

I !," 1 0 7 !," +$u *& $ $u ,! !$ # 6"+ % ! $ "+*! $ !$ *+"* 5, ),)$m &"m" !"# ! )$+" & " * u+* )" * # " $ bu " 7 5 !, !," !" ! $ $

$ ! $ ! "& * * b+$*# +* " * ) *& "+6 )" +$6 #"+. B* *6" !m" !.

T," +$u "! u S!* #*+# L " B* 7 ! UK m$+! * " * # +"!* & *6 b*ub # *+%7 1 8 * # S!* #*+# L " I 6" !m" ! 7 5, ), ,*# +"6 $u &% b"" !,"

-,$u " 6" !m" ! m* * "m" ! u ! $ !," +$u & " * u+* )" * # " $ bu " 7 5* " *+*!"# !$ * # ! )! &" *& " ! !% !," *m" %"*+7 5 !, !," * m $" !*b& , ! * * #" " #" ! 6" !m" ! m* * "m" ! bu " +$6 #

"+6 )" !$ b$!, !," +$u * # !, +# *+!% +"!* & * # ! !u! $ *& )& " ! . T," +$u*) u +"# P+ m" H"*&!, L m !"# = ub " u" !&% +" *m"# S!* #*+# L " H"*&!,)*+"> !," U !"# K #$m 2000. S!* #*+# L " H"*&!,)*+" " * #"# M*+), 200(

5 !, !," *) u ! $ $ !," PMI bu " $ F + !A !.

8


9/71

S!* #*+# L " A * L m !"# :$ ! 6" !u+"

T," +$u H$ K$ ub # *+%7 S!* #*+# L " A * L m !"# = SL A */>7 5*)$+ $+*!"# 1 * * ?$ ! 6" !u+" * # b")*m" * 5,$&&%-$5 "# ub # *+% $

S!* #*+# L " 2002. T," +$u $ "+*! $ H$ K$ 5"+" " !*b& ,"# !$6" !," +$u * +" " )" !," F*+ E* ! +$m 5, ), ! )$u " * # !$ C, *.

T," +$u ?$ ! 6" !u+" I # * 5 !, H$u D"6"&$ m" ! F * )" C$+ $+*! $L m !"# = HDFC/> 5"+" )$+ $+*!"# 2000 = +"&*! $ !$ !," & " * u+* )" * #

" $ ?$ ! 6" !u+"> * # 2003 = +"&*! $ !$ !," 6" !m" ! m* * "m" ! ?$ !6" !u+">. T," +$u ?$ ! 6" !u+" C, * 5 !, T * ? E)$ $m ) D"6"&$ m" !

S!* #*+# L " I !"+ *! $ *& L m !"# -

T," +$u *& $ )$+ $+*!"# S!* #*+# L " I !"+ *! $ *& L m !"# = SLIL/> 200@$+ !," u+ $ " $ +$6 # !," +$u 5 !, * $ ,$+" 6", )&"7 b* "# I+"&* #7

!,+$u , 5, ), ! )$u "&& !* -" ) " ! 6" !m" ! +$#u)! !$ !," U !"#K #$m. S*&" $ !," " +$#u)! )$mm" )"# 200(.

S"+6 )" )$m * %

F$&&$5 !," +$u !+*!" ) +"6 "5 20047 !," +$u " !*b& ,"# * "+6 )")$m * % !+u)!u+" $+ !," +$6 $ $ )" !+*& )$+ $+*!" "+6 )" !$ !," +$u

bu " u ! . S!* #*+# L " Em &$%"" S"+6 )" L m !"# = SLESL/> u & " *5 #" +* " $ )" !+*& "+6 )" !$ !," +" ! $ !," +$u 7 )&u# IT7 *) & ! " 7 &" *&* # ,um* +" $u+)" "+6 )" 7 * # "m &$% !* 5$+ !," +$u UK * #I+ , $ "+*! $ =$!,"+ !,* SLI7 SLB * # SLH7 5, ), "m &$% !," + !* # +")!&%>.T, "+6 )" )$m * % !+u)!u+" 5* )+"*!"# !$ " *b&" S!* #*+# L " !$ )$m &% 5 !,+" u&*!$+% +" !+ )! $ $ !," +$6 $ $ $ - u+* )" "+6 )" * # !$ " &$ !

+$u -5 #" % "+ " .


10/71

C$m * % +$ ")!

I !+$#u)! $

HDFC S!* #*+# L " I u+* )" C$m * % L m !"#. $ " $ I # * &"*# + 6*!"u+* )" )$m * " 7 5, ), $ "+ * +* " $ # 6 #u*& * # +$u u+* )"

$&u! $ . I! * ?$ ! 6" !u+" b"!5"" H$u D"6"&$ m" ! F * )" C$+ $+*! $L m !"# =HDFC L m !"#>7 I # * &"*# ,$u * )" ! !u! $ * # * G+$uC$m * % $ !," S!* #*+# L " P&)7 UK. A $ F"b+u*+% 287 200 HDFC L!#. ,$'2.43 * # S!* #*+# L " =M*u+ ! u H$ > 200(7 L!#. ,$ 2(.00 $ " u !%

!," ?$ ! 6" !u+"7 5, &" !," +" ! ," b% O!,"+ .

Our Parentage

HDFC L m !"#

HDFC Limited 7 I # * +"m "+ ,$u * )" ! !u! $ ,* * !"# m$+" !,*3.3 m && $ *m & " $5 * ,$m"7 )" ! )" ! $ 1 '' *)+$ 2400 ) ! " * #!$5 !,+$u , ! "!5$+ $ $6"+ 2@0 $ )" . I! ,* !"+ *! $ *& $ )" Dub* 7L$ #$ * # S * $+" 5 !, "+6 )" * $) *!" S*u# A+*b *7 *!*+7 Ku5* ! * #Om* !$ * ! NRI * # PIO !$ $5 * ,$m" b*) I # *. A $ D")"mb"+ 20087!," !$!*& * "! 9" ,* )+$ "# m$+" !,* R . @7000 )+$+" )&u# !," m$+! * "&$* * "! $ m$+" !,* R . 827800 )+$+" . T," )$+ $+*! $ ,* * #" $ ! b* " $ R .1'7@@1 )+$+" 7 "*+ !," !+u ! $ m$+" !,* 7007000 #" $ !$+ . Cu !$m"+ S"+6 )"* # *! *)! $ ,* b"" !," m* !*% $ !," $+ * 9*! $ . HDFC ,* "!

b" ),m*+ $+ !," I # * ,$u * )" #u !+%. R")$ ! $ $+ !," "+6 )" !$!," ")!$+ ,* )$m" +$m "6"+*& *! $ *& * # !"+ *! $ *& " ! ! " )&u# !,"

$+ B* !,*! ,* &*u#"# HDFC * * m$#"& ,$u * )" )$m * % $+ !,"#"6"&$ )$u !+ " . HDFC ,* u #"+!* " * &$! $ )$ u&!* ) " *b+$*# * !# "+" ! )$u !+ " )&u# E % !7 M* 6" 7 * # B* &*#" , !," "!! u $

,$u * )" )$m * " .

S!* #*+# L " G+$u =S!* #*+# L " &) * # ! ub # *+ " >

10


11/71

T," Standard Li e Gr!up ,* b"" &$$ * !"+ !," * ) *& ""# $ )u !$m"+$+ $6"+ 180 %"*+ . I! )u++" !&% ,* * )u !$m"+ b* " $ *+$u # ' m && $ "$ &" 5,$

+"&% $ !," )$m * % $+ !," + u+* )"7 " $ 7 6" !m" !7 b* * # ,"*&!,-)*+" ""# . I! 6" !m" ! m* * "+ )u++" !&% *#m !"+ 12@ b && $ * "! . I! * &"*# " $ +$6 #"+ !," UK7 * # +*!"# b% S!* #*+# < P$$+ * !+$5 !, * +*! $ AQ * # * $$# 5 !, * +*! $ A1 b% M$$#% . S!* #*+# L " 5**5*+#"# !," B" ! P" $ P+$6 #"+ 20047 200@ * # 200( *! !," M$ "% M*+ "!A5*+# 7 * # ! 5* 6$!"# * @ !*+ & " * # " $ +$6 #"+ *! !," F * ) *&A#6 "+ S"+6 )" A5*+# $+ !," &* ! 10 %"*+ +u . T," @ S!*+ *))$&*#" ,* *& $

b"" *5*+#"# !$ S!* #*+# L " I 6" !m" ! $+ !," &* ! 10 %"*+ 7 * # !$ S!* #*+#L " B* )" ! )" ! $ 1 8. S!* #*+# L " B* 5* *5*+#"# !," B" !F&" b&" M$+! * " L" #"+ *! !," M$+! * " M* *9 " A5*+# 200(.

Ou+ V $ < V*&u"

Ou+ V $

T," m$ ! u))" u& * # *#m +"# & " u+* )" )$m * %7 5, ), m"* !,*! 5" *+"!," m$ ! !+u !"# )$m * %7 !," "* " ! !$ #"*& 5 !,7 $ "+ !," b" ! 6*&u" $+ m$ "%7* # "! !," !* #*+# !," #u !+% .

T," m$ ! $b6 $u ),$ )" $+ *&& .

Ou+ V*&u"

V*&u" !,*! 5" $b "+6" 5, &" 5" 5$+ I !" + !% I $6*! $ Cu !$m"+ )" !+ ) P"$ &" C*+" O " $+ *&& * # *&& $+ $ "/ T"*m 5$+ :$% * # S m & ) !%

11


12/71

P+$ &" $ !," B$*+# $ D +")!$+

Mr' Deepa5 S' Pare5" !," C,* +m* $ !," C$m * %. H" *& $!," E ")u! 6" C,* +m* $ H$u D"6"&$ m" ! F * )"C$+ $+*! $ L m !"# =HDFC L m !"#>. H" ?$ "# HDFC L m !"# *

" $+ m* * "m" ! $ ! $ 1 '8. H" 5* #u)!"# * * 5,$&"-! m" # +")!$+ $ HDFC L m !"# 1 8@ * # 5* * $ !"# * !E ")u! 6" C,* +m* 1 3. H" !," C, " E ")u! 6" O )"+ $HDFC L m !"#. M+. P*+" , * F"&&$5 $ !," I ! !u!" $ C,*+!"+"#A))$u !* ! =E &* # < *&" >.

Sir Ale6ander M' Cr!mbie ?$ "# !," B$*+# $ D +")!$+ $ !,"C$m * % A + &7 2002. H" ,* b"" 5 !, !," S!* #*+# L " G+$u

$+ 34 %"*+ ,$ 6*+ $u " $+ m* * "m" ! $ ! $ . H" 5** $ !"# * !," G+$u C, " E ")u! 6" $ !," S!* #*+# L " G+$u M*+), 2004. S + C+$mb " * "&&$5 $ !," F*)u&!% $ A)!u*+ " S)$!&* #.

12


13/71


14/71

+" $ b&" $+ $6"+ "" *&& * ")! $ &" # $ "+*! $ $ HDFCL m !"#.

Mr' N!rman 2' S5e!-" )u++" !&% !," C, " E ")u! 6" S!* #*+#L " I 6" !m" ! L m !"# * # +" $ b&" $+ $6"+ ""I 6" !m" ! P+$)" < C, " E ")u! 6" O )"+ Fu )! $ . P+ $+ !$ !, 7M+. S "$), 5* 5$+ 5 !, M . :*m" C* "& < C$. ,$ !,"

$ ! $ $ UK E)$ $m !7 C, " E)$ $m !7 E ")u! 6" D +")!$+7D +")!$+ $ C$ !+$& * # S!+*!" % HSBS S")u+ ! " * # M* *D +")!$+ I !"+ *! $ *& E u ! " . H" 5* *& $ +" $ b&" $+ E)$ $m )* # I 6" !m" ! S!+*!" % +" "*+), +$#u)"# $ * 5$+ #" b* . M+.S "$), ?$ "# !," B$*+# $ D +")!$+ N$6"mb"+ 200@.

Mr' Gautam R' Di7an * +*)! C,*+!"+"# A))$u !* ! * # *F"&&$5 $ !," I ! !u!" $ C,*+!"+"# A))$u !* ! $ I # *. M+. D 6*5* !," F$+m"+ C,* +m* * # M* * C$mm !!"" M"mb"+ $M # "&& G+$u I !"+ *! $ *&7 * I !"+ *! $ *& A $) *! $ $I #" " #" ! A))$u ! F +m * # ,* *u!,$+"# "6"+*& * "+ $

+$ " $ *& !"+" !. M+. D 6* ,* 5 #" " "+ " )" *u# !*))$u ! $ &*+ " ub& ) & m !"# )$m * " * # *! $ *& "# b* 7

* ) *& * # !* *! $ &* $ # 6 #u*& * # & m !"# )$m * "* # *& $ ,* ub !* ! *& " "+ " )" !+u)!u+ $6"+ "*

6" !m" ! !$ * # +$m I # *.

14


15/71

A $) *!" C$m * "

HDFC LIMITED

HDFC BANK

HDFC MUTUAL FUND

HDFC SALES

HDFC ERGO G" "+*& I u+* )"

O!,"+ C$m * " HDFC T+u !"" C$m * % L!#. GRUH F * )" L!#. HDFC D"6"&$ "+ L!#. HDFC P+$ "+!% V" !u+" L!#. HDFC V" !u+" T+u !"" C$m * % L!#.

PROUCT RANGE < VARIET;

A! HDFC S!* #*+# L "7 5" $ "+ * b$u u"! $ u+* )" $&u! $ !$ m""! "6"+%

""#. " )*!"+ !$ b$!,7 # 6 #u*& * 5"&& * !$ )$m * " &$$ !$ +$6 #"

1@
http://www.hdfc.com/http://www.hdfcbank.com/personal/default.htmhttp://www.hdfc.com/others/popup/about_us/hlsil.htmhttp://www.hdfcergo.com/http://www.hdfcfund.com/http://www.hdfc.com/http://www.hdfc.com/http://www.hdfcbank.com/personal/default.htmhttp://www.hdfcbank.com/personal/default.htmhttp://www.hdfc.com/others/popup/about_us/hlsil.htmhttp://www.hdfc.com/others/popup/about_us/hlsil.htmhttp://www.hdfcergo.com/http://www.hdfcergo.com/http://www.hdfcergo.com/http://www.hdfc.com/


16/71

b" " ! !$ !," + "m &$%"" . T, ")! $ 6" %$u #"!* & $ *&& $u+ +$#u)! . "

,*6" )$+ $+*!"# 6*+ $u #$5 &$*#*b&" $+m * # +$#u)! #"!* & $ !,*! %$u )*

m* " * $+m"# ),$ )" *b$u! bu% * $& )%.

F$+ # 6 #u*&7 5" ,*6" * +* " $ +$!")! $ 7 6" !m" !7 " $ * # *6

&* !,*! * ! * # u+!u+" #+"*m * *+! +$m +$6 # +$!")! $ . ;$u )* ),$$ "

+$m * +* " $ +$#u)! !$ u ! %$u+ & "- !* " * # ""# .

F$+ $+ * 9*! $ 5" ,*6" * ,$ ! $ )u !$m 9"# $&u! $ !,*! +* " +$m G+$u

T"+m I u+* )"7 G+*!u !%7 L"*6" E )* ,m" ! * # Su "+* u*! $ P+$#u)! . T," "

* $+#*b&" &* * *+! +$m +$6 # &$ !"+m 6*&u" !$ !," "m &$%"" ,"& " ,* ) $$#5 && $ !," )$m * %.

" *! HDFC S!* #*+# L " +"*& 9" !,*! $! "6"+%$ " ,* !," *m" # $ ""# .

K"" !, m #7 5" ,*6" * 6*+ "# +* " $ P+$#u)! !,*! %$u )* ),$$ " +$m

!$ u ! *&& %$u+ ""# . T," " 5 && ,"& ")u+" %$u+ u!u+" * 5"&& * !," u!u+" $ %$u+

*m &%.

T% " $ +$#u)!

1(
http://www.hdfcinsurance.com/products/individual.asphttp://www.hdfcinsurance.com/products/group.asphttp://www.hdfcinsurance.com/products/individual.asphttp://www.hdfcinsurance.com/products/group.asp


17/71

=1> P+$!")! $

A. T"+m * u+* )" &*

B. L$* )$6"+ !"+m * u+* )" &*

A> T"+m * u+* )" &* -

U #"+ !, &* 7 * um * u+"# *%*b&" )* " $ #"*!, $ !," & "

* u+"# #u+ !," !"+m $ !," )$ !+*)!. O " )* ),$$ " !," &um um !,*!

5$u +" &*)" !," )$m" &$ ! !$ $ " *m &% !," u $+!u *!" "6" ! $ $ "

#"*!,. S )" !, $- *+! ) *! &* u+" + )$6"+ &* 7 $ b" " ! *+" *%*b&" $ !," u+6 6*& !$ !," " # $ !," !"+m $ !," $& )%.

B> L$* )$6"+ !"+m * u+* )" &* -

T, &* +$6 #" * &um um $ !," u $+!u *!" #"*!, $ !," & "

* u+"# #u+ !," !"+m $ !," &* . T," &um um 5 && b" * #")+"* "+)" !* " $ !," ! *& um * u+"#. A !," $u! !* # &$* #")+"* " * "+

!," &$* ),"#u&"7 !," )$6"+ u #"+ !," $& )% #")+"* " * "+ !," $& )%

),"#u&". S )" !, * $ - *+! ) *! 7 + !,"+"7 $ b" " ! *+" *%*b&"

$ u+6 6*& !$ !," " # $ !," !"+m $ !," $& )%.

1'


18/71

=2> I 6" !m" !

S &" +"m um 5,$&" $ & "

S &" +"m um 5,$&" $ & " -

S &" P+"m um ,$&" $ L " P&* 5"&& u !"# !$ m""! %$u+ &$ !"+m

6" !m" ! ""# . T, *+! ) *! =5 !, +$ !> &* $ "+ %$u !," $&&$5

b" " !

A $u # 6" !m" !;$u+ m$ "% 5 && b" 6" !"# $u+ 5 !, +$ ! u # . T," u # * m !$ +$6 #"

")u+" * # !*b&" &$ !"+m +$5!,. N$+m*&&%7 5" #")&*+" * )$m $u #

+"6"+ $ *+% b$ u $+ %$u+ $& )% "6"+% %"*+ * # *## ! !$ %$u+ $& )% $

* 6"+ *+%. I *## ! $ 7 $ #"*!,7 u++" #"+ $+ $ !," u*+* !""# #*!" 7 *

!"+m *& b$ u m ,! b" *%*b&". ;$u ,*6" !$ *% * &" +"m um * # !,"

$& )% 5 && *% %$u * &um um *m$u !.

F&" b & !% $ !"+m

E6" * !"+ ),$$ %$u+ $& )%7 %$u )* #") #" $ !," $& )% !"+m. F$+ 4

5"" * !"+ * % $ " $ !," 10 !, 7 1@!, 7 20!, 7 * # ub " u" ! 6"-%"*+

* 6"+ *+ " 7 %$u )* ),$$ " !$ +")" 6" !," um * u+"# &u * % *!!*),

b$ u " 7 u&&. O )" !," m$ "% ,* b"" +")" 6"#7 %$u+ $& )% 5 && )"* ".

=3> P" $ &*

A. P"+ $ *& " $ &*

B. U ! & "# "+ $ *& " $ &*

18


19/71


20/71

D. U ! & "# %$u !"+ &*

A> U ! & "# " #$5m" ! &* -

T," u ! & "# " #$5m" ! &* * u+* )" $& )% !,*! #" "# !$ *% *

&um um *m$u ! $ !," m*!u+ !% $+ $ "*+& "+ #"*!,. T," u ! & "#

" #$5m" ! &* *& $ 6" !," $ ! $ $ *## ! $ *& +$!")! $ * * ! )$mm$

)+ ! )*& && " 7 * 5"&& * *## ! $ *& +$!")! $ #"*!, * !," +" u&! $

*)) #" !.

;$u+ +"m um *+" 6" !"# u ! $ !," 6" !m" ! u # $ %$u+ ),$ )"7 b* "# $ !," +"6* & u ! + )". O m*!u+ !% %$u +")" 6" !," 6*&u" $ %$u+

u ! . O #"*!, =$+ )+ ! )*& && " 7 ),$ " > %$u +")" 6" !," 6*&u" $ %$u+ u !

* # %$u+ "&")!"# b* ) um * u+"#.

B> M$ "% b*) -

I! * *+! ) *! =5 !, +$ ! > u+* )" &* !,*! $ "+ !," "*!u+" & !"

b"&$5

i* P*%m" ! $ )* , &um um7 "*), $ 5, ), * +$ $+! $ $ !," b* ) um

* u+"#7 *! @-%"*+ !"+6*& #u+ !," !"+m $ $& )%.

ii* O u+6 6*& u !$ m*!u+ !%7 * *%m" ! " u*& !$ !," b* ) um * u+"# &u

* % b$ u *## ! $ &" !," )* , &um um * # +$6 #"#.

20


21/71

I )* " $ !," u $+!u *!" #"*!, $ !," & " * u+$+ 5 !, !," !"+m $ !," $& )%7

!," b* ) um * u+"# &u * % b$ u *## ! $ +$6 #"#. T, $6"+ * #

*b$6" !," "*+& "+ *%$u! .

C> E #$5m" ! &* -

I! * *+! ) *! =5 !, +$ ! > u+* )" &* !,*! $ "+ !," $&&$5

"*!u+"

> I! +$6 #" * ) *& u $+! !$ !," *m &% b% 5*% $ * &um um *%m" ! )* " $ !," u $+!u *!" #"*!, $ !," & " * u+"# 5 !, !," !"+m $ !,"

$& )%.

> I! +$6 #" * &um um *%m" ! !$ !," & " * u+" $ u+6 6*& u !$

m*!u+ !%. T," &um um m" ! $ "# !," b* ) um * u+"# &u * %

b$ u *## ! $ .

D> U ! & "# %$u !"+ &* -

HDFC U ! & "# ;$u S!*+ &* #" "# !$ +$6 #" * &um um !$ !,"

), *! m*!u+ !%. I! *& $ +$6 #" * ) *& ")u+ !% !$ !," ), , u!u+"7

"6" )* " $ !," u+"# *+" ! u $+!u *!" #"*!, #u+ !," $& )% !"+m.

T," U ! & "# ;$u S!*+ &* *& $ 6" !," $ ! $ $ *## ! $ *& +$!")! $

* * ! !," )$mm$ )+ ! )*& && " " . ;$u+ +"m um *+" 6" !"# u !

$ !," 6" !m" ! u # $ %$u+ ),$ )"7 b* "# $ !," +"6* & u ! + )". O

m*!u+ !% !," 6*&u" $ !," u ! 5 && b" * #. O #"*!, =$+ )+ ! )*& && " 7

),$ " > !," "&")!"# b* ) um * u+"# * #7 * # !," $& )% )$ ! u" u ! &

21


22/71

m*!u+ !%. F$&&$5 * 6*& # #"*!, $+ )+ ! )*& && " )&* m7 5" 5 && *% !," u!

+"m um =*! !," &"6"& $+ *&&% ),$ " *! )" ! $ > !$ %$u+ $& )%7 * *

5," !,"% 5$u ,*6" *&&" #u".

LIST OF MA:OR COMPITITOIRS

1' A6 6* L " I u+* )"

2. B*?*? A&& * 9

3. B +&* Su L " I u+* )"

4. ICICI P+u#" ! *& L " I u+* )"

@. K$!* M*, #+* O Mu!u*& L " I u+* )" L m !"#

(. L " I u+* )" C$+ $+*! $ $ I # * =LIC>

'. M* N"5 ;$+ L " I u+* )"

8. M"!L " I # * I u+* )". R"& * )" L " I u+* )"

10. SBI L " I u+* )"

11. S,+ R*m L " I u+* )"

12. TATA AIG L " I u+* )"

13. BHARTI A A

H"*# O )"

E# bu+ ,7 S)$!&* # =UK>

$+ #" O "+*! $ * # P+" " )"

22


23/71

ACHIVEMENT OF THE COMPAN;

A5*+# * # R")$ ! $

;"*+ A5*+#

2003 C$m * % $ !," ;"*+

2002 C$m * % $ !," ;"*+

2001 B" ! P"+ $ *& P" $ P+$6 #"+

2000 C$m * % $ !," ;"*+

1 C$m * % $ !," D")*#"

1 (- C$m * % $ !," %"*+ 1 @ 4 !*+ "+6 )" *5*+#

1 2- 4 O6"+*&& b" ! )$m * %

1 1 3 !*+ "+6 )" *5*+#

S!* #*+# L " ,* b"" *5*+#"# !," R* S!* #*+# u*& !% m*+ .

T, ,$5 !,*! !," C$m * %

u " )&"*+ &* u* " !$ #" )+ b" !," + +$#u)! $ "% #$)um" ! 7

,*6" * +$ + *!" +$#u)! * #

P+$6 #" * u*& !% "+6 )" $+ !," )u !$m"+ .

23


24/71

M$ "% M*+ "! A5*+#

C$m * % $ !," ;"*+ "6"+% %"*+ +$m 1 !$ 200@

B" ! P" $ P+$6 #"+ 2004 * # 200@ B" ! G+$u P" $ P+$6 #"+ "6"+% %"*+ +$m 1 8 !$ 2003

B" ! P"+ $ *& P" $ P+$6 #"+ "6"+% %"*+ )" 1 8 !$ 2003

B" ! L " I 6" !m" ! P+$#u)! P+$6 #"+ 2003 * # 2004

G$ A5*+# !," P$ !"+ C*m * C*!" $+% =A#6"+! > 2004

M$ "% *)! I 6" !m" !7 L " < P" $ A5*+#

B" ! P" $ P+$#u)! 20037 2004 * # 200@

B" ! P" $ S"+6 )" 20037 2004 * # 200@

B* ,*&& A), "6"m" ! A5*+# P" $ P+$6 #"+ $ !," ;"*+ 2003 * # 2004

F * ) *& A#6 "+ P+$6 #"+ A5*+#

O6"+*&& "+ 1 7 20007 2001 * # 2002

P" $ P+$6 #"+ $ !," ;"*+ 1 7 20007 20017 2002 * # 2003

P" $ C$m * % $ !," ;"*+ 2004

I # 6 #u*& P" $ C$m * % $ !," ;"*+ 2004 G+$u P" $ P+$6 #"+ $ !," ;"*+ 2004

H"*&!, I u+* )" C$m * % $ !," ;"*+ 2004

24


25/71

F * ) *& A#6 "+ S"+6 )" A5*+#

C$m * % $ !," ;"*+ "6"+% %"*+ +$m 1 ' !$ 2001

@ S!*+ L " * # P" $ P+$6 #"+ "6"+% %"*+ +$m 1 ( !$ 2004 @ S!*+ I 6" !m" ! P+$6 #"+ "6"+% %"*+ +$m 1 ( !$ 2002 * # 2004

P" $ M* * "m" ! A#m !+*! $ * # S"+6 )" A5*+#

O6"+*&& "+ - P"+ $ *& P" $ 2003

O6"+*&& "+ - S!* ",$"+ P" $ 2002 * # 2003 O6"+*&& "+ - G+$u P"+ $ *& P" $ 2002 * # 2004

M"mb"+ C$mmu )*! $ - P"+ $ *& P" $ 7 G+$u P"+ $ *& P" $ - P"+ $ *& P" $ 2003

2@


26/71

I #u !+% P+$ &"

INSURANCE

I u+* )" * &" *& )$ !+*)! !,*! +$!")! "$ &" +$m !," * ) *& )$ ! !,*! +" u&!+$m &$ $ & "7 &$ $ ,"*&!,7 $+ +$ "+!% #*m* ". I u+* )" +$6 #" * m"* $

# 6 #u*& * # $) "! " !$ )$ " 5 !, $m" $ !," + *)"# "6"+%#*% & ".P"$ &" u+),* " )$ !+*)! $ u+* )" )*&&"# $& ) " +$m * 6*+ "!% $ u+* )")*&&"# $& ) " 7 +$m * 6*+ "!% $ u+* )" $+ * 9*! $ .

I u+* )" )$ )" 6"# * * m"!,$# $ *6 $ !," " &$ " 7 "mb$#% !," + ) &" $ )$-$ "+*! $ " !"# !," "*+&% ) 6 & 9*! $ . T,"+" "6 #" )" !,*!

#u+ !," A+%* ) 6 & 9*! $ 7 &$ $ +$ ! #u !+% 5* u+"# b% !," 6 &&)$-$ "+*! 6" I # * .

A&m$ ! "6"+%$ " & 6 m$#"+ 7 #u !+ *& 9"# )$u !+ " bu% u+* )" !* )" &*5 m$ ! !*!" +" u +" "$ &" 5,$ $5 * )*+ !$ bu% u+* )" b" $+"

#+ 6 ! $ ub& ) +$*# . &" #"+ +" u +" * %$ " 5,$ * )" !," u+),* " $,$m" $+ )*+ 5 !, b$++$5"# m$ "% !$ u+" !,*! +$ "+!% .bu " *+! "+ !* " $u!& " u+* )" $ "*), $!,"+ !$ m* " u+" !,*! bu " 5 && u))""# "6" $ " $!," *+! "+ # " .

T5$ !% " $ u+* )"

L " u+* )"

2(


27/71


28/71


29/71

B"!!"+ +$#u)! 5 !, m$+" +"* $ *b&" * # * $+#*b&" + ) . u ) "+6 ) I )+"* "# *6 +*!" L$ !"+m u # $+ +* !+u)!u+" #"6"&$ m" ! 5 && b" *6* &*b&" !$ !,"

)$u !+%. L*+ " &$5 $ $+" )* !*&.

I! #"b*!"# !,*! !," u+* )" bu " #$" $! +$#u)" +$ ! !," + ! 6" %"*+.C+$ ub # 9*! $ * "*!u+" $ !," I # * m*+ "! . "6" ! !," +" $+! $& $ 5, ),

)$ #"+"# +$ !*b&"7 )+$ ub # 9" !," $!,"+ #" *+!m" ! . !*+ +"#u)! $ *+"

& "&% !$ +"#u)" u+!,"+. I u+"+ 5 && ,*6" !$ ! !u!" +$ "+ )&* m m* * "m" ! +$)" $+#"+ !$ " !+*)! +$ ) " ) " . T," $6"+ m" ! $$ !$ +" " ! !," "5 m$#"& $+ !* *6 & " u+* )")$m * " *! !"+ *! $ *&&% )$m "! ! 6" *#6* !* " * # "!), !," + *&& * )"*))$+# &%.

I ")! *&& * )" +"&*!"# !$ # !+ bu! $ +*!,"+ !,* !$ +$#u)! $+ !"), $&$ % 5 && +$6"m$ ! 6*&u*b&" !," &$ +u . B+$ "+ 5 && )$m" !$ !," m*+ "! $+ + ! ! m" * #!,"+" b$u # !$ b" !" " )$m "! ! $ A * +" u&! $ !, !," mu&! ),* "& $# !+ bu! $ .

S )" b" $ !," 5$+ 7m* ,* *&5*% "&! ")u+ !% $+ , * "! * # "6"& " . !,"+" u )"+!* !% "6"+% * ")! $ & "7 ! * $ *% !,*! $ &% #"*!, *!* *+" )"+!* . U )"+!* ! " "6"+% * ")! $ & " " $ !$ $u+ * "! !$&$ " * # )$ " u" !&% " #&" +$b&"m . A +" !," *)!$+% m*% bu+ "6"+%!,* # $5 "+ $ &% $ )$m" 5 !, ,u " )* !*& ,"# bu! u+* )" 5 && )$m" $++" )u" ! !* " . I u+* )" #$" $! $ &% +$6 #" +" mbu+ "m" ! bu! $m"

u " ! 6" m"* u+" *& $ !$ +"#u)" !," " ")! $ ,*9*+# * # &$ " ."*+!, u* "7

&$$# 7 + $!7 !+ "7 !," !7 " &$ $ "!).

S$m" $ !," )$mm$ #* "+ !$ $u+ * "! . M$+"$6"+ & " u+* )" b" #" +$6 # * ) *& * !* )" !$ !," u+"#7 !," " $& ) " +$6 #" 6" !m" !$ $+!u ! " * # "6" " $ &* *! m*+ "! !"+" ! +*!".

2


30/71

C. FUTURE OF THE INDUSTR;

I I # * m*+ "! 7 !," $ $+!u !% $+ u+* )" )$m * " ,u ". T," " $+! $$6"+ m" ! )$m * " ,*6" &*) "# )"+ !% 7 * !,"+" &*+ " u !* "# m*+ "!

"6" * !"+ (1 %"*+ $ *! $ *& 9*! $ . *))$+# !$ $u+)" 30 )$+" "$ &" $ I # *)* * $+# u+* )" ,$5"6"+ $ &% 8 )$+" $ !,"m ,*6" !* " *5*%. L " u+* )"

* %"*+ )$&&")!"# $ &% 2 $ GDP I # * 5 !, !,*! $ 12 USA.

T$!*& $ & " u+* )" +"m um m"+" $ 0.( $ GDP 5, ), *&m$ !" & b&". $ !," b* $ !, ! )* b" $ !,*! !,"+" ,u " )$ " $+ u+* )"

I # *. T," &*!" ! $+" "" I # * m*+ "! * # !," u))" $ & b"+*& 9"# m*+ "! "m"+ " ! ")$ $m " !$ m* " !, $ $+!u !% . !$ *6* & !, m*% !"+ *! $ *&

&*%"+ )&u# !," 5$+ &"*#"+ ,*6" "!u !," + bu " I # * $+m !," &* ! $m* % %"*+ . .". H# )- & )7 I) ) P+u#" ! *& & " 7M* & " u+* )" )$+ $+*! $ 7B*?*?-*&& * 9..

30


31/71

S OT A *&% $ !," HDFC S!* #*+# L " I u+* )" C$m * %

STRENGTH

1. HDFC ,* $ " $ !," , ," ! b+* # +")*&& $ *+$u # 80 = $u+)" AC N" & $

ORG MARG>.

2. HDFC ,* # "+" ! !% " $ !+* m"!,$# $+ !," + FC 7 A " ! $+ A#6 $+.

F$+ E *m &" D ,* !+* 7 IRDA !+* 7 B* ) !+* * # #u)! $ 7

A#6* )"# !+* .

3. F * ) *& E "+! ".4. R* " $ $&u! $ .

@. H*6 $$# "!5$+ .

(. O " $ !," m$ ! * +" 6" m*+ "! !+*!" " .

'. T+* +$6 #"# !$ *&& "$ &" * $) *!"# 5 !, !," b* +$6 #" "+6 )" & "

),") !," &* $+ $& ) " $ & ".

8. F+"" 5 !), $ ! $ $ & " $+m )u !$m"+ *b$u! !," "+ $+m* )" $

!," + 6" !m" ! b% " # m$ !,&% +" $+! * # !*!"m" !

. H*6" *+$u # 14@000 * ) *& *#6 $+

EAKNESS

1. T,"% *+" u *b&" !$ !*+ "! +u+*& *+"* * )$m *+" !$ LIC.

2. P$$+ *5*+" " $+ "5 +$#u)! )$ um"+ P$$+ D !+ bu! $ "!5$+ .

3. N" & " )" !$ )u !$m"+ * !"+ !," 6" !m" ! $.

4. V"+% Hu " P+"m um $ $& ) " )$m *+"# !$ m*?$+ + 6*& LIC.

@. T*+ "! U "+ )&* "$ &" $ &%.

(. A&& B+$),u+" *+" E & , $ &%.

31


32/71

'. S$m"! m" + ,! *#6 )" $! 6" !$ !," )u !$m"+ .

8. T," u&& ),*+ " *+" $! +"6"*&"# !$ !," )u !$m"+

OPPORTUNITIES

I I # * ! && !,"+" * b m*+ "! $+ u+* )" ".

1. '@ $ I # * m*+ "! ! && u !* "#.

2. A!!+*)! m$+" "$ &" b% +$6 # m$+" )u !$m"+ )" !+ ) +$#u)! .

3. S!+$ b+* # $ !," b* ,"& !$ b$$ ! *&" m*+ "!.

4. N$.1 *#* ! "5 !"), $&$ " & " $ & " "*+), "!).

@. T " u 5 !, b+$ "+ *& $ ,*6 * &*+ " #*!* b* " $ !," )u !$m"+ .

(. G"!! &"*# +$m !," b+* ), m"mb"+ .

THREATS

1. M* % + 6*!" &*%"+ *+" )$m !$ !," m*+ "!.

2. S$m" b+* # !," m*+ "! 6" !,"+" +$#u)! 5 !, m$+" "*!u+" .

3. .LIC7 ICICI < B*?*? A&& * 9 !," m*?$+ )$m "! !$+ 5 !, b"!!"+ "!5$+ .

4. T,+"*! +$m $!,"+ b* "&& *m" !% " $ 6" !m" ! .

@. C,* " !," $& ) " $ IRDA.

(. C,* " !," m" !*& !% $ "$ &"

'. F"*+ $ !," m*+ "! !$ )+* , #$5 .8. Em &$%"" *!!+ ! $.

32


33/71

FUNCTIONAL DEPARTMENTS OF THE ORGANI ATION

MARKETING DETAILS

M*+ "! " "+*&&% +" "+ * !," !* $ )+"*! 7 +$m$! * # #"& 6"+ $$#A # "+6 )" !$ )$ um"+ * # bu " . M*+ "! m* * "+ "" !$ &u" )" !,"L"6"& $ ! m * # )$m $ ! $ $ #"m* # !$ m""! !," $+ * 9*! $ $b?")! 6" .M*+ "! "$ &" *+" 6$&6"# 10!% " $ " ! ! " $$# 7 "+6 )" 7 " "+ " )" 7E6" ! 7 "+ $ 7 &*)" 7 +$ "+! " 7 $+ * 9*! $ 7 $+m*! $ * # #"* . T,"M*+ "! )$ )" ! +" ! $ $u+ &&*+ !*+ "! m*+ "!7 )u !$m"+ ""# 7 !" +*!"#M*+ "! * # +$ !*b & !%.

M*+ "! #" "# * * $) "!*& +$)" b% 5, ), # 6 #u*& * # +$u $b!*,*! !,"% ""# * # 5* ! !,+$u , )+"*! 7 $ "+ * # +""&% " ),* +$#u)!

A # "+6 )" $ 6*&u" 5 !, $!,"+ .T," b* ) $u+ P $ m*+ "! *+" PRODUCT7 PRICE7 PLACE * #PROMOTION.

T," &* ! "5 %"*+ ,*6" "" * )+"* "# *!!" ! $ !$ mu!u*& u # *)+$ *&& " +"$ 6" !$+ b $+ m*&&7 # 6 #u*& $+ )$+ $+*!".

FINANCIAL DETAILS

IMPORTANCE OF FINANCE

F * )" +" *+#"# * !," & " b&$$# $ * bu " " !"+ + ". T, b")*u " !,"M$#"+ m$ "% $+ " !"# ")$ $m%. F * )" !," $ " $ !," b* ) $u #*! $ $ *&&

K # $ "&")!+$ ) *)! 6 !%. I! !," m* !"+ "% 5, ), +$6 #" *))" !$ !," " ! +"S$u+)" $+ b" "m &$%"# m* u *)!u+ * # m"+),* # 9 *)! 6 ! " . I! ,*R ,!&% b"" * # !," bu " ""# m$ "% !$ m* " m$+" m$ "%. H$5"6"+ ! *& $T+u" !,*! m$ "% b" "! m$+" m$ "%7 $ &% 5," ! +$ "+&% m* * "#. H" )"7E ) " ! m* * "m" ! $ "6"+% bu " " !"+ + " )&$ "&% & "# 5 !, " ) " !M* * "m" ! $ ! * )".

33


34/71

MEANING OF BUSINESS FINANCE

I " "+*& * )" m*% b" #" "# * !," +$6 $ $ m$ "% *! !," ! m" ! 5* !"#.H$5"6"+7 * * m* * "m" ! u )! $ ! ,* * ") *& m"* . F * )" u )! $ m*%B" #" "# * !," +$)u+"m" ! $ u # * # !," + " ")! 6" u! & 9*! $ . S$m" $ !,"Au!,$+ !*! 6" #" ! $ *+" * $&&$5

Bu " * )" !,*! bu " *)! 6 !% 5, ), )$ )"+ "# 5 !, !," *) u ! $* #C$ "+6*! $ $ )* !*& u # m""! * ) *& ""# * # $6"+*&& $b?")! 6" $ *Bu " " !"+ + "./

Bu " * )" )* b+$*#&% b" #" "# * !," *)! 6 !% )$ )"+ "# 5 !, &*R 7 )$ !+$&& * # *#m !+*! $ !," u # u "# !," bu " ./

34


35/71


36/71

# 6 #u*& . I! m*% *& $ 6$&6" !," $+ * 9*! $ *& % !"m !$ b" #"6"&$ "# $+

m &"m" ! +")+u !m" ! +$ +*mm" * # +$)"#u+" !$ b" "m &$%"#.

ELEMENTS OF GOOD RECRUITMENT POLIC;

A $$# +")+u !m" ! $& )% mu ! )$ !* !," $&&$5 "&"m" !

1> O+ * 9*! $ *& $b?")! 6"

B$!, ,$+! !"+m * # &$ !"+m $+ * 9*! $ *& $b?")! 6" mu ! b" !* "

!$ )$ #"+*! $ .

I#" ! )*! $ $ +")+u !m" ! ""#

T," +")+u !"+ ,$u +" *+" +$ &" $+ "*), )*!" $+% $ 5$+ "+ * #

*))$+# &% 5$+ $u! !," m* ") )*! $ 7 #") #" !," ")! $ 7

#" *+!m" ! $+ b+* )," 5,"+" !,"% ,$u b" &*)"#.

2> P+" "++"# $u+)" $ +")+u !m" !

T," $u+)" $ +")+u !m" ! ,$u b" #" ! "# +$ "+&%.

3> C+ !"+ * $ "&")! $ * # +" "+" )"

S"&")! $ * # +" "+" )" ,$u b" b* "# $ )$ ) $u !,$u ,! * # "-

+ $u #"& b"+*! $ .

4> M$ "!*+% * ")!

T," )$ ! $ +")+u !m" ! * # * ) *& m & )*! $ $ !," *m" ,*6" !$

b" " ! m # *& $.

PRE-RE UISITES OF GOOD RECRUITMENT POLIC; 1> I! ,$u b" )$ $+m !% 5 !, !," " "+*& "+ $ "& $& ) " .

2> I! ,$u b" &" b&" " $u , !$ m""! !," ),* ""# $ !,"

$+ * 9*! $ .

3> I! ,$u +$6 #" "m &$%"" 5 !, ?$b ")u+ !% * # )$ ! u$u "m &$%m" !.

3(


37/71

4> I! ,$u !" +*!" $+ * 9*! $ *& ""# * # "m &$%"" ""# .

@> I! ,$u m*!), !," u*& ! " $ !," "m &$%"" 5 !, !," +" u +"m" ! $ !,"

5$+ $+ 5, ), !,"% *+" "m &$%"#.

(> I! ,$u , ,& ,! !," ")" !% $ " !*b& , ?$b * *&% .

FACTORS AFFECTING RECRUITMENT

E6"+% $+ * 9*! $ 7 b $+ m*&& ,* !$ " * " +")+u !m" ! $ "+ $ 7 +")+u !m" !

,* !5$ * ")! -

1> T$ # $u! !," umb"+ $ 6*)* ) " !$ b" $! "# * # !," !% " $ * & )* !

""#"# !$ && !,"m.

2> T$ * +$*), !," $!" ! *& * & )* ! !$ * &% $+ u), 6*)* ) " .

N$ $+ * 9*! $ )* +")+u ! u))" u&&% 5 !,$u! !* !$

)$ #"+*! $ !," $&&$5 *)!$+

1> T," E)$ $m ) F*)!$+ T," ")$ $m ) )$ # ! $ $ * )$u !+% &u" )" !," +")+u !m" ! +$)"

*&& $+ * 9*! $ . T," &$b*& 9*! $ * # & b"+*& 9*! $ $ I #

")$ $m " )" 1 1 $ 5*+# ,* +" u&!"# * b$$m * ) *&

"+6 )" I # *. A * +" u&! $ !," "5 ")$ $m ) $& )%7 !," #"m* #

$ 5"&&

2> T," S$) *& F*)!$+

T," " *& $ * ")! !," +")+u !m" ! $& )% $ * $+ * 9*! $ . S$) *&

),* " !," * ! !5$ #")*#" I # *7 ,*6" $+)"# $+ * 9*! $ !$

&*)" )+"* "# "m ,* $ +")+u !m" !. T," m" !*& !% $ m$#"+

"m &$%"" ,* ),* "# +$m ?u ! * % ?$b !$ * *! % )*+""+.

3'


38/71

3> T," T"), $&$ )*& F*)!$+

N"5 !"), $&$ % ,*6" )+"*!"# "5 ?$b * # " ! ?$b ,*6"

u #"+ $ " +* # ),* " . S"6"+*& $ ?$b ,*6" # * "*+"# +$m !,"

)" ".

4> T," L" *& F*)!$+

T," # "+" ! &" &*! 6" $& ) " $6"+ ), &*b$u+7 ,! , !

b$ #"# &*b$u+ "!). ,*6" b+$u ,! &" *& " 6 +$ m" ! !$ * m*?$+ *)!$+.

PROCESS OF RECRUITMENT -

I! * " !,+$u , !," $&&$5 !* "

1> R")+u !m" ! +$)" b" 5," "+ $ "& #" *+!m" ! +")" 6"

+" u ! $ $+ +")+u !m" ! +$m * % #" *+!m" ! $ !," )$m * %.

2> L$)*! * # #"6"&$ !," $u+)" $ +" u +"# umb"+ * # !% " $

"m &$%"" .

3> I#" ! % !," +$ ")! 6" "m &$%"" 5 !, +" u +"# ),*+*)!"+ ! ) .

4> D"6"&$ !," !"), u" !$ *!!+*)! !," #" +"# )* # #*!" .

@> T," " ! !* " !," +$)" !$ ! mu&*!" * m* % )* # #*!" *

$ b&".

(> E6*&u*! !," " ")! 6" " $ +")+u !m" ! +$)" .

38


39/71

PROCESS OF RECRUITMENT COMPAN; ADOPTS

P"+ $ "&P&*

:$bA *&%

R")+u !m" !P&*

3

S"*+),

E6*&u*! $* # )$ !+$&

S!+*!" %D"6"&$ m" !

S"&")! $

S)+""


40/71

SOURCES OF RECRUITMENT

B" $+" * $+ * 9*! $ *)! 6"&% b" !$ +")+u ! * & )* ! ! ,$u )$ #"+ !,"

m$ !&% & "&% $u+)" $ !," !% " $ "m &$%"" ! ""# . S$m" )$m * " !+% !$#"6"&$ "5 $u+)" 5, &" m$ ! !+% !$ !*) &" !," " ! $u+)" !,"% ,*6". T," "

$u+)" *))$+# &% m*% b" !"+m"# * !"+ *& * # " !"+ *&.

I !"+ *& S$u+)"

T, $ " $ !," m $+!* ! $u+)" $ +")+u !m" !. T," "m &$%"" *&+"*#%

5$+ !," $+ * 9*! $ m*% b" m$+" u !*b&" $+ , ,"+ ?$b !,* !,$ "

+")+u !"# $u! #". I !"+ *& $u+)" )$ ! $ !," $&&$5

1> P+" " ! Em &$%""

P+$m$! $ * # !+* "+ *m$ !," +" " ! "m &$%"" )* b" * $$#

$u+)" $ !"+ *& +")+u !m" !.

2> Em &$%"" R" "++*&

I * $+ * 9*! $ 5 !, * &*+ " umb"+ $ "m &$%"" +" "++*& )*

+$6 #" u !" * &*+ " $$& $ $!" ! *& $+ * 9*! $ *& m"mb"+ .

3> F$+m"+ Em &$%""

T," " *+" * $!,"+ !"+ *& $u+)" $ +")+u !m" !. S$m" +"! +"#

"m &$%"" m*% b" 5 && !$ )$m" b*) !$ 5$+ .

4> P+"6 $u Em &$%""

T,$ " 5,$ ,*6" +"6 $u &% * & "# $+ ?$b )* b" )$ !*)!"# b% m* &.

E !"+ *& S$u+)"

T," " *+" * $&&$5

1. A#6"+! "m" !

40


41/71

2. P+$ " $ *& O+ * 9*! $

3. D*!* B*

4. *&

@. R")+u ! A " ) "(. C$m "! !$+

'. D &*)"# P"+ $

8. E-+")+u !m" !

12 ' C$ )*&&

RECRUITMENT PROCESS COMPAN; ADOPTS 8

1> I !"+ *& $u+)"

2> A#6"+! "m" !

3> C$ u&!* !

4> D*!* b*

SELECTION OF FINANCIAL CONSULTANT

UNDERSTANDING SELECTION PROCESS

R")+u !m" ! u )! $ ,"& !," $+ * 9*! $ !$ #"6"&$ * $$& $ +$ ")! 6" ,um*

+" $u+)" . I! # )u&! $+ !," HR m* * "+ !$ "m &$% !," u !*b&" "$ &" $u! $ !,"

$$&. I *)!7 m* % $+ * 9*! $ *)" )+ ! )*& +$b&"m ),$$ !," "$ &".

S"&")! $ !"), u" * # m"!,$# +"#u)" !," )$m &" ! " ),$$ !," + ,!

)* # #*!" $+ !," ?$b. A !"+ #" ! % !," $u+)" $ ,um* +" $u+)" 7 "*+),

$+ +$ ")! 6" "m &$%"" * # ! mu&*! !,"m !$ * &% $+ ?$b * $+ * 9*! $

41


42/71

!," m* * "m" ! ,* !$ "+ $+m !," u )! $ $ "&")! !," + ,! "m &$%"" *! !,"

+ ,! ! m". T," $b6 $u u # $& )% "&")! $ !," !" ! $ !$ ),$$ " !," b" !

"+ $ 5,$ ,*6" $$# $) *& )$ !*)!. T," $b?")! 6" $ !," "&")! $ #") $ !$

),$$ " !," # 6 #u*& 5,$ )* m$ ! u))" u&&% "+ $+m !," ?$b +$m !," $$& $u*& "# )* # #*!" . T," "&")! $ +$)"#u+" !," % !"m $ u )! $ * # #"6 )"

*#$ !"# * 6"

)$m * % !$ * )"+!* 5,"!,"+ !," )* # #*!" ") )*! $ *+" m*!),"# 5 !, !," ?$b

") )*! $ * # +" u +"m" ! $+ $!.

T," "&")! $ +$)" )* b" u))" u& !," $&&$5 +" u +"m" ! *+" *! "#

S$m"$ " ,$u ,*6" !," *u!,$+ !% !$ "&")!. T, *u!,$+ !% )$m"+$m !," "m &$%m" ! +" u ! $ 7 * #"6"&$ "# b% * * *&% !$ !,"

5$+ &$*# * # 5$+ $+)".

T,"+" mu ! b" $m" !* #*+# $ "+ $ "& 5 !, 5, ), * +$ ")! 6"

"m &$%"" m*% b" )$m *+"#7 .". * )$m +"," 6" ?$b #" )+ ! $ * #

?$b ") )*! $ ,$u b" *6* &*b&" b" $+" ,* #.

T,"+" mu ! b" * u ) " ! umb"+ $ * & )* ! +$m 5,$m !,"

+" u +"# umb"+ $ "m &$%"" m*% b" "&")!"#.

T," *b & !% $ * $+ * 9*! $ !$ *!!* ! $*& " ")! 6"&% * # !$ #"6"&$ *

#% *m ) " 6 +$ m" ! &*+ "&% #" " # u $ !," " ")! 6" " $ ! "&")! $

+$ +*mm". I !," + ,! "+ $ "&")!"#7 ," 6*&u*b&" * "! !$ !," $+ * 9*! $

.

SELECTION PROCEDURE

S"&")! $ +$)"#u+" "m &$% "6"+*& m"!,$# $ )$&&")! $+m*! $ *b$u! !,"

)* # #*!" u*& )*! $ 7 " "+ " )"7 ,% )*& * # m" !*& *b & !%7 *!u+" * #

b",*6 $+7 $5&"# " * # * ! !u#" $+ ?u# 5,"!,"+ * 6" * & )* ! u !*b&"

$+ $! $+ !," ?$b. T,"+" $+" !," "&")! $ +$)"#u+" $! * &" *)! bu!

42


43/71


44/71

R")+u !m" ! +" "+ !$ !," +$)" $ "*+), $+ +$ ")! 6" "m &$%"" * #

! mu&*! !,"m !$ * &% $+ ?$b * $+ * 9*! $ . I! !," b* $+ !," +"m*

!"), $&$ " $ !," )+"" !," )* # #*!" $+#"+ !$ "&")! !," * +$ + *!"

)* # #*!" $+ !," ?$b .

=D> DEVELOPMENT OF BASES FOR SELECTION

T," )$m * % ,* !$ "&")! !," * +$ + *!" )* # #*!" +$m !," $$& $ * & )* ! .

T," )$m * % #"6"&$ $+ b$++$5 !," * +$ + *!" b* " !"), u" $+ )+""

!," )* # #*!" $+#"+ !$ "&")! !," * +$ + *!" )* # #*!" $+ !," ?$b .

=E> APPLICATION FORM

A & )*! $ $+m *& $ $5 * * & )*! $ b&* . T," !"), u" $ * & )*! $

b&* *+" !+*# ! $ *& * # 5 #"&% *))" !"# $+ ")u+ $+m*! $ +$m !,"

+$ ")! 6" )* # #*!" . I! )* *& $ b" u "# * * #"6 )" !$ )+"" !," )* # #*!" *! !,"

+"& m *+% &"6"&. M* % )$m * " $+mu&*!" !," + $5 !%&" $ * & )*! $ $+

#" " # u $ !," +" u +"m" ! $

$+m*! $ b* "# $ !," 9" $ !," )$m * %7 *!u+" $ bu " *)! 6 ! " 7 !% " * #

&"6"& $ !," ?$b "!). I $+m*! $ " "+*&&% +" u +"# $ !," $&&$5 !"m !,"

* & )*! $ $+m

P"+ $ *& b*) +$u # $+m*! $

E#u)*! $ *& u*& )*! $

$+ " "+ " )"

S*&*+% =#+*5 * # " ")! >

P"+ $ *& *!!* m" ! )&u# & " * # # & "

R" "+" )"

44


45/71

=F> RITTEN E AMINATION

O+ * 9*! $ ,*6" !$ )$ #u)! 5+ !!" " *m *! $ $+ !," u*& "# )* # #*!" * !"+

!,"% *+" )+"" "# $ !," b* $ !," * & )*! $ b&* $ * !$ m"* u+" !,"

)* # #*!" *b & !% *+ !,m"! )*& )*&)u&*! $ 7 !$ $5 !," )* # #*!" *!! !u#"!$5*+# !," ?$b7 !$ m"* u+" !," )* # #*!" * ! !u#"7 +"* $ 7 $5&"# "

6*+ $u # ) & " 7 " "+*& $5&"# " * # E & , &* u* ".

=G> PRELIMINAR; INTERVIE

T," +"& m *+% !"+6 "5 !$ $& ) ! ")" *+% $+m*! $ +$m !," +$ ")! 6

* & )*! $ * # !$ * " !," * & )* ! u !*b & !% !$ !," ?$b. A * !* ! !,"

"+ $ "& #" *+!m" ! m*% )$ #u)! !, +"& m *+% !"+6 "5. T," $+m*! $ !,u

+$6 #"# b% !," )* # #*!" m*% b" +"&*!"# !$ !," ?$b $+ "+ $ *& ") )*! $

+" *+# "#u)*! $ 7 " "+ " )"7 *&*+%

" ")!*! $ 7 *!! !u#" !$5*+# ?$b7 * "7 ,% )*& * "*+* )" * # $!,"+ +" u +"m" !

"!). T,u 7 +"& m *+% !"+6 "5 u " u& * * +$)" $ "& m *! !," u #" +*b&

* # u u !*b&" )* # #*!" . I * )* # #*!" *! " !," ?$b +" u +"m" ! +" *+#

m$ ! $ !," *+"* 7 ," m*% b" "&")!"# $+ u+!,"+ +$)" . P+"& m *+% !"+6 "5 *+"

,$+! * # $5 * !* # u !"+6 "5 $+ 9 u $ !," * & )* ! $+ )+""

!"+6 "5 . H$5"6"+7 )"+!* +" u +"# *m$u ! $ )*+" !$ b" !* " !$ " u+" !,*! !,"

#" +*b&" 5$+ "+ *+" $! "& m *!"#. T, !"+6 "5 *& $ u " u& !$ +$6 #" !,"

b* ) $+m*! $ *b$u! !," )$m * % !$ !," )* # #*!".

=H> BUSINESS GAMESBu " *m" *+" 5 #"&% u "# * * "&")! $ !"), u" $+ "&")! m* * "m" !

!+* "" 7 " ")u! 6" !+* "" * # m* * "+ *& "+ $ "& *! ?u $+7 m ##&" * # !$

m* * "m" ! $ ! $ . Bu " *m" ,"& !$ "6*&u*!" !," * & )* ! !," *+"*

$ #") $ -m* 7 #" ! % !," $!" ! *& ! " 7 ,* #& !," !u*! $ 7 +$b&"

4@


46/71

$&6 && 7 ,um* +"&*! $ && "!). *+! ) * ! *+" &*)"# * ,% $!,"!

5$+ !u*! $ * # *+" +" u +"# !$ &*% !," +$&" !u*! $ !," *m". T,"

,% $!," !,*! !," m$ ! u))" u& )* # #*!" !," *m" 5 && b" m$ ! u))" u&

$ " $ !," ?$b.

GROUP DISCUSSION u "# $+#"+ !$ ")u+" u+!,"+ $+m*! $ +" *+# !,"

u !*b & !% $ !," )* # #*!" $+ !," ?$b. G+$u # )u $ * m"!,$# 5,"+" +$u

$ !," u))" u& * & )* ! *+" b+$u ,! *+$u # * )$ "+" )" !*b&" * # *+" * "# !$

# )u " !,"+ * )* " !u#% $+ ub?")!

m*!!"+. T," )* # #*!" !," +$u *+" +" u +"# !$ * *&%9"7 # )u 7 # *&!"+ *! 6"

$&u! $ * # "&")! !," $u # $&u! $ . A "&")! $ * "& !," $b "+6" !,"

)* # #*!" !," *+"* $ ! *! !," # )u $ 7 " &* !," +$b&"m7 $& ) !

u +"6"*& $+m*! $ b* "#

$ !," 6" $+m*! $ * # u )$mm$ " "7 "" &% $b "+6 !," # )u $

$ $!,"+ 7 )&*+ % )$ !+$6"+ *& u" 7 &u" ) $!,"+ 7 "* " ")! 6

)$ )"*& * # m"# *! *+ um" ! *m$ !," *+! ) * ! * # umm*+ 9 $+

)$ )&u# * !&%.

T," "&")! $ * "&7 b* "# $ ! $b "+6*! $ 7 ?u# " !," )* # #*!" && * # *b & !%

* # +* !,"m *))$+# !$ !," + m"+ !.

I $m" )* " 7 !," "&")! $ * "& m*% *& $ * !," )* # #*!" !$ 5+ !" !," umm*+%

$ !," +$u # )u $ $+#"+ !$ $5 !," )* # #*!" 5+ ! *b & !% * 5"&&.

T% " $ !" !

T" ! *+" )&* "# !$ )&* " 7 "*), )&* * * # 6 #"# !$ # "+" ! !% "

!" ! . T,"% *+"

APTITUDE TESTS

4(


47/71

T," " !" ! m"* u+" 5,"!,"+ * # 6 #u*& ,* !," )* *) !% $+ &*!" ! *b & !% !$ &"*+ *

6" ?$b 6" *#" u*!" !+* . A ! !u#" )* b" # 6 #"# !$ " "+*& * #

m" !*& *b & !% $+ !"&& " )" * # ") ) * ! !u#" u), * m"),* )*&7 )&"+ )*&

m* u&*! 6" )* *) !% "!). G" "+*& * ! !u#" !" ! $ !5$ !% " *m"&% !"&& " )"u$! " ! =I > * # "m$! $ *& u$! " ! =E >.

=1> S && !" !

T," " !" ! m"* u+" !," )* # #*!" *b & !% !$ #$ * ?$b "+ ")!&% * # !"&& " !&%.

T," " !" ! *+" u " u& !$ "&")! !," )* # #*!" !$ "+ $+m *+! ! ) ?$b 7 +$#u)!

#" 7 #" $ !$$& 7 m*), "+% "!). T," )* # #*!" )* b" "&")!"# $+ * "mb&%

5$+ 7 !" ! * # ")! $ *& $.

=2> M"),* )*& * ! !u#" !" !

T," " !" ! m"* u+" !," )* *b & ! " $ *! *& 6 u*& 9*! $ 7 "+)" !u*& ""# * #

$5&"# " $ m"),* )*& m*!!"+. T," " !" ! *+" u " u& $+ "&")! * +" ! )" 7

&&"#7 m"),* )*& "m &$%"" 7 !"), ) * "!).

=3> P %),$m$!$+ !" !

T," " !" ! m"* u+" *b & ! " & " m* u*& #" !"+ !%7 m$!$+ *b & !% * # "%",* #

)$$+# *! $ $ )* # #*!" . T," " !" ! *+" u " u& !$ "&")! "m - &&"# 5$+ "+ * #

5$+ "+ $+ +" "! ! 6" $ "+*! $ & " *) * # 5*!), * "mb&%.

=4> C&"+ )*& * ! !u#" !" !

T," " !% " $ !" ! m"* u+" ") ) )* *) ! " 6$&6"# $ )" 5$+ . I!"m $

!, !" ! )&u#" "&& 7 )$m u!*! $ 7 )$m +"," $ 7 )$ % 7 5$+# m"* u+

"!).

ACHIEVEMENT TESTS

T," " !" ! *+" )$ #u)!"# 5," * & )* ! )&* m !$ $5 $m"!, * !," " !" !

*+" )$ )"+ "# 5 !, 5,*! $ " ,* *))$m & ,"#. T," " !" ! *+" m$+" u " u& !$

m"* u+" !," 6*&u" $ * ") ) *), "6"m" ! 5," * $+ * 9*! $ 5 ," !$ "m &$%

4'


48/71


49/71

!,*! !,"+" * , , )$++"&*! $ b"!5"" !," !"+" ! $ * )* # #*!" * ?$b * # ?$b

u))" . I !"+" ! 6" !$+ " *+" &" * "# * # !,"% m*% $! &u)!u*!" * !"+ !," * "

$ 30.

PERSONALIT; TESTS

T," " !" ! +$6" #"" &% !$ # )$6"+ )&u" !$ * # 6 #u*& 6*&u" % !"m7 ,

"m$! $ *& +"*)! $ * # m*!u+ !% * # ),*+*)!"+ ! ) m$$#. T,"% *+"" +" "#

u), !+* ! & " "& -)$ #" )"7 !*)!7 # !+u !7 ! *! 6"7 "m$! $ *& )$ !+$&7 $ ! m

#") 6" " 7 $) *b & !%7 )$ $+m !%7$b?")! 6 !%7 *! " )"7 "*+7 ?u# m" ! #$m *

$+ ubm $ 7 m u& 6" " 7 %m *!,%7 !" + !%7 !*b & !% * # "& -)$ #" )

=1> Ob?")! 6" !" !

M$ ! "+ $ *& !% !" ! *+" $b?")! 6" !" ! * !,"% *+" u !*b&" $+ +$u !" ! * #

)* b" )$+"# $b?")! 6"&%.

=2> SUMMER TRAINING 6" !" !

C* # #*!" *+" * "# !$ SUMMER TRAINING !," + $5 !"+ +"!*! $ $ )"+!*

!* #*+# ! mu&u b* $ *mb u$u )!u+" 7 u+" "!). u #"+ !," " !" ! .

P"+ $ *& !% !" ! ,*6" # *#6* !* " !," " " !,*! $ , ! )*!"# )* # #*!" )*

* " !,"m * # m$ ! )* # #*!" 6" $) *&&% *))" !*b&"

* 5"+ . Fu+!,"+7 "+ $ *& !% 6" !$+ " m*% $! u))" u&&% +"# )! ?$b u))" . A

umb"+ $ )$++")! 6" m"* u+" !+ "# * "+ $ *& !% 6" !$+ " *+" 5 #"&% ub?")! !$

* . T,"% *+"

F$+)"# ),$ )" $ E#5*+# "+ $ "& +" "+" )" ),"#u&".

G$+#$ "+ $ *& +$ &".

T," M " $!* Mu&! - ,* ) I 6" !$+% $ "+ # "+" ! m"!,$# $+

#" ! % * . T," * )* b" )$u !"+"# b% +" "*! !," *m"

u" ! $ # "+" ! *+! !$ m"* u+" )$ !" )%.

4


50/71

MULTI-DIMENSIONAL TESTING

H$5"6"+7 !," ""# $+ mu&! - && b" "&! b" m$ ! $ !," )$m * " )$ " u" !

u $ &$b*& 9*! $ 7 )$m "! ! 6" " * # !," )$ " u" ! )u !$m"+-)" !"+"#!+*!" " . O+ * 9*! $ ,*6" !$ #"6"&$ mu&! # m" $ *&!" ! $+#"+ !$ # $u!

5,"!,"+ !," )* # #*!" $ " * 6*+ "!% $ && $+ $!7 )* # #*!" *b & !% !$

!" +*!" !," mu&! - && * # $!" ! *& !% !$ * &% !,"m b* "# $ !u*! $ *& *

u )! $ *& +" u +"m" !.

@0


51/71

=:> INTERVIE

F *& !"+6 "5 $&&$5 * !"+ !" ! . T, !," m$ ! " " ! *& !" !," +$)" $

"&")! $ . I !, !" !," !"+6 "5"+ m*!)," !," $+m*! $ $b!* "# *b$u! !,")* # #*!" !,+$u , 6*+ $u m"* !$ !," ?$b +" u +"m" ! * # !$ !," $+m*! $

$b!* "# !,+$u , , $5 $b "+6*! $ #u+ !," !"+6 "5. T," # "+" ! !% " $

!"+6 "5 *+"

PRELIMINAR; INTERVIE

=1> I $+m*& !"+6 "5

T, !," !"+6 "57 5, ), )* b" )$ #u)!"# *! * % &*)" b% !," "+ $ !$ ")u+"

!," b* ) * # $ -?$b +"&*!"# $+m*! $ . T," !"+*)! $ b"!5"" !," )* # #*!" * #

!," "+ $ "& m* * "+ 5," !," $+m"+ m""! !," &*!!"+ !$ " u +" *b$u! !,"

6*)* ) " $+ *## ! $ *& *+! )u&*+ )$ ")! $ 5 !, !," "m &$%m" ! *#6"+! "m" !

* " *m &" $ !," $+m*& !"+6 "5.

=2> U !+u)!u+"# !"+6 "5

I !, !"+6 "57 !," )* # #*!" 6" !," +""#$m !$ !"&& *b$u! , m "& b%

+"6"*& , $5&"# " $ 6*+ $u !"m *+"* 7 , b*) +$u #7 " ")!*! $ 7

!"+" ! "!). S m &*+&%7 !," !"+6 "5"+ *& $ +$6 #" $+m*! $ $ 6*+ $u !"m

+" u +"# b% !," )* # #*!".

CORE INTERVIEI! $+m*&&% !," !"+*)! $ b"!5"" !," )* # #*!" * # !," & " " ")u! 6" $+

" "+! $ 6*+ $u *+"* $ ?$b $5&"# "7 &&7 !*&" ! "!). T, !"+6 "5 m*% !* "

6*+ $u $+m & "

=1> B*) +$u # $+m*! $ !"+6 "5

@1


52/71


53/71


54/71

&* 7 +$m$! $ *& $ $+!u ! " 7 5$+ *#?u !m" ! * # *&&$!m" ! "!). T,"

"+ $ "& m* "+ *& $ !"+6 "5 !," )* # #*!" 5 !, * 6 "5 !$ # $u! ,

+"*)! $ *))" !* )" +" *+# *&*+%7 *&&$5* )" 7 b" " ! 7 +$m$! $ 7 $ $+!u !

"!). T," ,"*# $ !," #" *+!m" ! * # !," "+ $ "& m* * "+ " ),* " !," 6 "5 * #!," !,"% ?$ !&% $+m !," + #") $ !$ !,"

),* +m* $ !," !"+6 "5 b$*+#7 5, ), *&&% m* " !," #") $ *b$u! !,"

)* # #*!" "+ $+m* )" * # !," + +* !," !"+6 "5. M$ ! $ !," $+ * 9*! $

,*6" +"*& 9"# !,*! "m &$%"" $ ! 6" *!! !u#" m*!!"+ mu), +*!,"+ !,* "m &$%""

&& * # $5&"# ". Em &$%"" 5 !, $ ! 6" *!! !u#" )$ !+ bu!" mu), !$ !,"

$+ * 9*! $ . H" )"7 !"+6 "5"+ &$$ $+ !," )* # #*!" 5 !, !," + ,! *!! !u#"

5, &" m* *& #") $ .

=K> MEDICAL E AMINATION

C"+!* ?$b +" u +" )"+!* ,% )*& u*& ! " & " )&"*+ 6 $ 7 "+ ")! ,"*+

u u u*& !*m *7 !$&"+* )" $ ,*+#5$+ )$ # ! $ 7 )&"*+ !$ " "!). M"# )*&

" *m *! $ +"6"*& 5,"!,"+ $+ $! * )* # #*!" $ " " !," " u*& ! " . M"# )*&

" *m *! $ )* 6" !," $&&$5 $+m*! $

,"!,"+ !," * & )* ! m"# )*&&% u !"# $+ !," ") ) ?$b

,"!,"+ !," * & )* ! ,* ,"*&!, +$b&"m $+ %),$&$ )*& *!! !u#"

& "&% !$ !"+ "+" 5 !, 5$+ " ) " )% $+ u!u+" *!!" #* )".

T," $ "+. ,"!,"+ !," * & )* ! u "+ +$m b*# ,"*&!, 5, ), ,$u

b" )$++")!"# b" $+" ," )* 5$+ *! *)!$+ &%

I! +"6"*& !," * & )* ! ,% )*& m"* u+"m" ! * #

I! u "# !$ ),") !," ") *& " " $ !," )* # #*!" .

@4


55/71


56/71

m & )*! $ . A )*+"&" #") $ $ +"?")! 5$u m * + !," m$+*&" $ !," "$ &"

* # !,"% 5$u u ")! !," "&")! $ +$)"#u+" * # !," b* $ "&")! $ $ !,

$+ * 9*! $ . A !+u" u #"+ !* # b"!5"" & " m* * "+ * # "+ $ "& m* * "+

,$u b" " !*b& ,"# !$ !* " +$ "+ #") $ .

=N> :OB OFFER

T,u 7 * !"+ !* !," *& #") $ 7 !," $+ * 9*! $ ,* !$ ! m*!" !, #") $ !$

!," u))" u& * 5"&& * u u))" u& )* # #*!" . T," $+ * 9*! $ $ "+ !," ?$b !$

!," u))" u& )* # #*!" " !,"+ mm"# *!"&% $+ * !"+ $m" ! m" #" " # u $ !

! m" ),"#u&". T," )* # #*!" * !"+ +")" 6 ?$b $ "+ )$mmu )*!" , *))" !* )"

!$ !," $ "+ $+ +" u" ! !," )$m * % !$ m$# % !," !"+m * # )$ # ! $ $

"m &$%m" ! $+ +"?")! !," $ "+.

=O> EMPLO;MENT T," )$m * % m*% m$# % !," !"+m * # )$ # ! $ $

"m &$%m" ! *

+" u" !"# b% !," )* # #*!". T," )$m * % "m &$% !,$ " )* # #*!" 5,$ *))" ! !,"

?$b $ "+ 5 !, $+ 5 !, $u! m$# )*! $ $ !"+m * # )$ # ! $ $ "m &$%m" ! * #

&*)" !,"m $ !," ?$b.

!, !," "m &$%m" ! $ !," )* # #*!" !," +")+u !m" ! * # "&")! $ +$)"

)$m &"!"#.

@(


57/71

RECRUITMENT AND SELECTION AT HDFC STANDARD LIFE

R")+u !m" ! !," +$)" $ *!!+*)! +$ ")! 6" )* # #*!" 5,$ *+" & "&% !$ "!

"&")!"#. R")+u !m" ! +$)" !*+! 5 !, !," #+* ! $ *#6"+! "m" ! $+ !,"

+" u +"# $ ! m" ! $ !," *m" $ !," $ !7 u*& )*! $ +" u +"#7 &*)" $

$ ! "!). !," *#6"+! "m" ! +"&"* "# *&& m*?$+ * # *! $ *& "5 * "+ *)+$

!," )$u !+%. N$! $ &% + ! m"# *7 bu! $!,"+ m"# * & " !"+ "! *& $ u "# $+

$ ! !," *#6"+! "m" !. P&*)"m" ! * " ) " * # "#u)*! $ *& ! !u! $ *+"

)$ #"+"# !," +" u +"m" ! *+" $+ +" , +*#u*!" . Em &$%"" +" "+" )" b% *+"

*& $ " )$u+* "#. A !"+ +")" 6 !," * & )*! $ 7 ! ! *&&% )+"" "# b% H

# 6 $ b* "# $ m mum +" u +"m" ! * # u*& )*! $ +" )+ b"# $+ !," $ !.

S)+"" "# * & )*! $ +$m HR # 6 $ *+" " ! !$ +" ")! 6" # 6 $ *& ,"*# $+

!," + )+"" )* " $ * & )*! $ $+ , ,"+ $ ! . S"&")! $ !," +$)" $

"&")! + ,! )* # #*!" +$m !," & ! $ +$ ")! 6" )* # #*!" . S"&")! $ +$)"

6$&6" !" ! 7 !"+6 "5 7 +$u # )u $ 7 %),$m"!+ ) !" ! $+ * )$mb *! $ $!," " #" " # $ !," *!u+" $+ " ! 6 !% $ !," &"6"& * # !," $ !. F$+ !"), )*&

$ ! 7 !" ! *+" u "# * "& m *! $ m"* 5, &" $+ $m" $!,"+ $ ! & "

m* * "m" ! !+* ""7 !" ! *+" $! u "# * "& m *! $ m"* . T," ,$+!& !"#

)* # #*!" *+" )*&&"# $+ !," *& !"+6 "5. R" +"! &"!!"+ *+" " ! !$ !,$ " 5,$ *+"

$! ,$+!& !"#. B*) +$u # ),") $ !," ,$+!& !"# )* # #*!" #$ " !$ " u+"

!,*! !,"% 5 && ! 5 !, !," )u&!u+" $ !," $+ * 9*! $ . :$b $ "+ *+" m*#" !$ !,"

"&")!"# )* # #*!" * # !,"% *+" * "# !$ 6" !," + )$ +m*! $ !,*! !,"% *))" ! !,"

?$b $ "+. O +")" 6 !," + )$ +m*! $ 7 * $ !m" ! &"!!"+ +" *+"# b%

"+ $ "& * # *#m !+*! $ # 6 $ * # 6" !$ !," )* # #*!" *! !," ! m" $

@'


58/71


59/71


60/71

FINANCIAL REPORTPROFIT < LOSS ACCOUNT FOR THE ;EAR ENDED MARCH317 2008S),"#u&" P+"6 $u ;"*+

Ru "" =2008> Ru "" =200'>INCOMEM* * "m" ! F"" 12 1337( 7'47(21 (7@07@(7 08I !"+" ! 13 371 7(@0 27'17@03D 6 #" # 17827(27800 17(@7 71@(O!,"+ I )$m" 14 847@@7'2 27(@78@73@8 13(7407127800 10078@7127 2@E PENDITURES!* E " " 1@ 3(7@074(7(' 1 7127 (7'03A#m !+*! 6" * # O!,"+ E " " 2370172@7(21 2@7'37137844D" +") *! $ 3 (7837287410 (7(@7 070@4((73@7007'10 @17@27007(01PROFIT =LOSS> BEFORE TA '070@71270 0 4 7337127324P+$6 $ $+ T* =N"! $ D" "++"#!* > 247227387100 1'7'17(878((P+$6 $ $+ F+ " B" " ! T* 3@7107000 W PROFIT =LOSS> AFTER TA 4@74'7(37 0 317(174374@8B*&* )" b+$u ,! $+5*+# +$mP+"6 $u %"*+ @72'7('72'8 2078 7@87430P+$ ! A6* &*b&" $+ A +$ + *! $ @07'@73172(8 @27@17017888A +$ + *! $S,$+! +$6 $ $ I )$m" T*

$+ "*+& "+ %"*+ = "!> W 217'27 33G" "+*& R" "+6" 47@47'(73 371(714734(C* !*& R"#"m ! $ R" "+6" W 2@7007007000P+" "+" )" D 6 #" # 27@07007000 37 (7@'7@3@T* $ P+" "+" )" D 6 #" # 3@70(72@0 @17827'4@E#u)*! $ C* $ E u !%D 6 #" # =F; 2003 - 04> W 27@'7 00

(0


61/71

I !"+ m E u !% D 6 #" # P* # 87807(37@00 W T* $ I !"+ m E u !% D 6 #" # P* # 17237@07 0( W P+$ $ "# E u !% D 6 #" # 87807(37@00 127@870@7000T* $ P+$ $ "# E u !% D 6 #" # 17237@07 0( 17'(74471@1B*&* )" )*++ "# $+5*+# !$ !,"

B*&* )" S,""! 2372'71 780' @2'8(@4Earnin&$ Per S"are 1:';< 1='>?

BALANCE SHEET AS ON MARCH 317 2008S),"#u&" M*+), 317 2008

FUNDS EMPLO;ED 2008 200'SHAREHOLDER S FUNDSS,*+" C* !*& 1 @071(7107000 @071(7107000R" "+6" * # Su+ &u 2 @ 7@47327 (3 3'004@ (30

10 7'07427 (3 8'71(714703@APPLICATION OF FUNDSFI ED ASSETS 3G+$ B&$) 817'07237 (2 ' 74 7 27(31L" D" +") *! $ 1 72873 74@@ 127(27@174 2

N"! B&$) (27417847@0' ((78'741713C* !*& A#6* )" 372@7 3 1171@78@( (370@7107@00 ((7 87@(7 @

INVESTMENTS 4 @173(782742( 3372(7 071DEFERRED TA ASSET @ 47(47'(743@ 17247047@3@CURRENT ASSETS7

Su #+% D"b!$+ ( @7 47487@34 2742720724C* , * # B* B*&* )" ' 17147''742( 17017 37'2(O!,"+ Cu++" ! A "! 8 (702' 47823L$* * # A#6* )" ('7 @7(07821 '@78084@(0

Cu++" ! L *b & ! " 10 1 7 '7837840 1'73 7087((3P+$6 $ 11 (474373@73(( 84741.1 720(

(1


62/71

3178@7@2714 4 7247(07812

NET CURRENT ASSETS = 73(72(73 8> =143373'7( 4> 10 7'07427 (3 8'71(714703@

ANLA;SIS AND FINDINGS

F+$m !," * *&%9"# #*!* I )$u # !,*!

T," m* $u+)" $ !," +")+u !m" ! !,+$u , " !"+ *& $u+)" .". !,+$u ,*#6"+! "m" !.

T," $!,"+ $u+)" $ +")+u !m" ! !,+$u , +" "+" )" 7 *!u+*& m*+ "! * #

)$ u&!* ! .

M* mum +$ ")! u& & *&& !," )+ !"+ * +" )+ b"# b% !," IRDA.

R" "*+), ,$5 !,*! !," F * ) *& A#6 $+ " "+*&&% b"&$ !$ !," * " $ 30-

@0 %"*+I! $u # !,*! !," )$m * % +$6 #" b$!, !% " $ !+* * # m* &%

+$ ")! $" $+ !," $ & " !+* .

E6"+% %"*+ )$m * % +")+u ! * m* % * @0 A#6 $+ $+#"+ !$ )+"* " !,"

*&" $+)" $ !," )$m * %.

M$ ! $ !," +")+u !"# "$ &" *+" *5*+" $ !," u+* )" ")!$+ * # !," "+ $

5,$ *+" $! *5*+" $ !," u+* )" ")!$+ *+" m*#" *5*+" !,+$u , !," !+*

b" $+" !! $+ !," !" !.

I! ,* b"" $u # !,+$u , !," !u# " !,*! m$ ! $ !," )* # #*!" +")+u !"#

b"&$ !," b* * # u+* )" ")!$+ . I! m"* !,*! !,"% *+" ,*6 $m"

$5&"# " *b$u! !," u+* )" ")!$+.

(2


63/71

F$+ m$ ! $ !," +$ ")! *!!" # 21 #*% !+* * m*?$+ +$b&"m. A

!," ! m $+ !," !+* *+" u&& ! m" 10 30 *m !$ @.00 .m.

F$+ m$ ! $ !," +$ ")! !,"% ?$ HDFC STANDARD LIFE $+ !," " !+*

)$m".

M$ ! $ !," +")+u !"# "$ &" )$ ! u" 5$+ * * F * ) *& A#6 $+.

LIMITATIONS

1> T, SUMMER TRAINING R" $+! +" !+ )!"# $ &% $+ !," !"+6 "5"#

"$ &".

2> B * "# +" &% $ !," +" $ #" ! & " 6 5+$ $+m*! $ .

3> N$ *6* &*b & !% $ !," #*!* $+ !," +"&"6* ! $+m*! $ $ !," +" $ #" !.

4> S$m"! m" ! ,* " !,*! !," +" $ #" ! 5* bu % $ * !$ "! !,"

$+m*! $ ! b")$m" # )u&!

@> T," SUMMER TRAINING #$ " "*+ b% *+"* $ !," Au #, B+* ), $

!," )$m * % < !,"+" $+" # $ ! m*% $! b" * & )*b&" $!,"+ *+"* .

(> T m" C$ !+* ! T," #u+*! $ $ !," SUMMER TRAINING $ &% 2

m$ !, . I !, #u+*! $ 5" ,*6" !$ , !," SUMMER TRAINING $ !,"

*m &" 9" )$ #"+"# $+ !, SUMMER TRAINING *& $ & m !"# 5, ),

m*% 6" $m" m &"*# $u! u! .

(3


64/71

'> A&!,$u , ICICI P+u#" ! *& * 5"&& $5 b+* #7 ! 6" ! ,"*6 &% !,"

*#6"+! "m" ! 7 bu! $m",$5 !," )$ )" ! $ * ) *& *#6 $+ 5* $! $5

!$ !," )u !$m"+ * # ! +" u +" +"*! *m$u ! $ " $+! !$ )$ 6 )" !,"

6*+ $u b" " ! !$ !,"m.

CONCLUSION AND SUGGESTION

1. I! $u # !,*! !," &* ! 6" %"*+ !," I # * ")$ $m% ,* +$ +" "#7 5, ),,* )+"* "# !," *6"+* " u+),* $5"+ < !," u+* )" ")!$+ ,*

)$ !+ bu!"# )* !&% !, .

2. S )" &* ! 6" !$ %"*+ m* % P+ 6*!" C$m * % ,* " !"+"# u+* )"

")!$+ < b")*u " $ 5, ), !," I # * *+" ,*6 umb"+ $ $ ! $ +$ !

$ !,"m 6" ! !," + m$ "% < !$ * " u*+# !," & ".

3. , &" #$ !, SUMMER TRAINING ! $u # !,*! +")+u ! $ !,"

*#6 $+ #$ " b% !," U ! M* * "+7 * # !," *+*m"!"+ $ 5, ), !,"

*#6 $+ *+" !$ b" +")+u !"# *+"

I )$m" L"6"& 1.2&*) !$ 2 &*) "+ * um

M*+ !*& S!*!u M*++ "#

A " *b$6" 2@ %"*+

M mum E#u)*! $ G+*#u*! $ S!*% !," *m" ) !% $+ m$+" !,* @ %"*+

4. T," !u#% $ !," +$ &" $ !," *#6 $+ #" " # $ !," + #u !+%

b*) +$u # .". !," + 5$+ " "+ " )" * # !," * " 5 " # !+ bu! $ .

(4


65/71


66/71

U ! M* * "+ ,$u m""! +" u&*+&% 5 !, !," " ! *#6 $+ $ !,*! ," )*

# $u! !," + +$b&"m < *& $ !* " !," + u " ! $ .

M$ ! $ !," I # * *m & " ! && b"& "6" !," LIC. T,"% #$ ! ""&

)$m $+!*b&" 5 !, $!,"+ b+* # . I u), )* " ICICI P+u#" ! *& )* $ ! $+

#" )+ ! 6" *#6"+! "m" ! ,$5 $u+ $&u! $ *+" b"!!"+ !,* !," !+*# ! $ *&

bu " $&u! $ .

BIBLIOGRPHA;

EBSITES

1* %%%'"d -$li-'-!m@* %%%'in$uran-e&uide'-!m

3> %%%'e-!n!mi-time$'-!m

BOOKS

1> HUMAN RESOURCE MANAGEMENT SHASHI K. GUPTA

2> PERSONNEL MANAGEMENT C. B. MAMORIAL

((
http://www.hdfcslic.com/http://www.insuranceguide.com/http://www.economictimes.com/http://www.hdfcslic.com/http://www.insuranceguide.com/http://www.economictimes.com/


67/71

:OURNALS < ARTICLES

1> IRDA :OURNAL2> BROUCHERS < REPORTS OF COMPAN;

ANNE URE

RECRUITMENT AND SELECTION OF FINANCIAL ADVISORS

N*m"

A " S"

A##+"

P,$ " N$. M$b &" N$.

Em* & I# = * %>

1. H$5 m* % )* # #*!" *+" " "+*&&% +")+u !"# $+ * ) *& *#6 $+ !,+$u ,

6*+ $u $u+)" $ +")+u !m" !

('


68/71

N*!u+*& m*+ "!

R" "+" )"

A#6"+! "m" !

C$ u&!* !

@' D$" !," "$ &" +")+u !"# u& & *&& !," )+ !"+ * $+ b" * ) *& *#6

=)+ !"+ *- m*++ "# 7 * "X2@ %+ 7 +*#u*!" 7 & 6 * ) !% $+ m$+" !,* @ %"*

)$m" ,$u b" "*+&% 2 &*) >

;"

N$

P*+! *&&%

3. , ), * " +$u $ "$ &" *+" " "+*&&% $+m !," m*?$+ !% * * F * ) *&

A#6 $+

2@-30 %"*+ +

30-@0 %"*+

@0-(@ %"*+

4. , ), # $ !+* *+" " "+*&&% +$6 #"# b% !," HDFC-SLIC $+ !,"

A#6 $+ = 5, ), )$m u& $+% b% !," IRDA b" $+" !! $+ !," !" !>

O & " T+*

C&* +$$m T+*

(8


69/71

B$!,

@. , ), # $ !+* #$" " "+*&&% u!u+" * ) *& *#6 $+ $" $+ B

O & " T+*

C&* +$$m T+*

(. H$5 m* % F * ) *& A#6 $+ *+" " "+*&&% +")+u !"# b% !," )$m * % =*! !,"

$!,+u#>

X10

10X2@

2@X@0

@0X(0

'. D$ !," +")+u !"# "$ &" #$ ,*6" !," $5&"# " $ u+* )" ")!$+

;"

N$

8. A+" %$u *! "# 5 !, !," +$)"#u+" $ !" ! )$ #u)!"# b% !," IRDA

#" *+!m" !

;"

N$

C* ! S*%

(


70/71

. D$ *&& !," +")+u !"# "$ &" )$ ! u" 5$+ * F * ) *& A#6 $+

;"

N$

C* ! S*%

10. ,*! !," *6"+* " 5$+ " "+ " )" $ F * ) *& A#6 $+ HDFC

STANDARD LIFE

N$ " "+ " )"

M$+" !,* 2 %"*+

L" !,* 2 %"*+

11. ,$ *+" m$ !&% * $ !"# $+ !," $ ! $ F * ) *& A#6 $+

B* < F * )"

M"# )*& S) " )"

IT

L*5%"+

T"*),"+

O!,"+

12. D$ "6"+%$ " *!!" # 21 #*% !+* +$ +*m

;"

N$

'0


71/71

C* ! *%

.13 ,% $ " " "+*&&% 5* ! !$ ?$ HDFC STANDARD LIFE * F * ) *&

A#6 $+ P *)&" P+$ +*mm"

E !+* I )$m"

N$ C* !*&

Date post:	04-Jun-2018
Category:	Documents
Upload:	anonymous-v9e1zjtwoe
View:	226 times
Download:	0 times

61524529 Hdfc Standard Life Insurance Company Recruitment and Selection 1

Documents