Demat Account Among Youth With Reliance Money

8/12/2019 Demat Account Among Youth With Reliance Money

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ARESEARCH PROJECT REPORT

ON

MAJOR PLAYAERS OF DEMAT A/C

TERM & CONDITION

In Partial Fulfillment of the Requirement for the Award of theDegree of

Master of Busiess A!"iistratio

#$%' ($%)*Under the Guidance of:- Submitted by:-

R+C+S,ARMA RAJNJEET SIN-,

(Faculty Member) M.B.A. IVthSemester

Roll No.-!"#$%%!#

F.M.T. HARISH CHANDRA P.G. COLLEGE

BAWAN-BEEGHA, VARANASI-221002

DECLARATION


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I here&' de(lare that this )ro*e(t re)ort titled MAJOR

PLAYAERS OF DEMAT A/C TERM & CONDITION is

written and su&mitted &' me in )artial fulfillment of the

requirements for the award of MAS+,R F BSIN,SS

ADMINIS+RA+IN under the guidan(e of R+C+ S,ARMA+

+his re)ort neither full nor in )art has e/er &een su&mitted for

award of an' other (ourse of either this Institute or an' other

Institute.

RANJEET SIN-,M+B+A+ $!Year

Ro.. No+($)0%%$)

ACKNOWLEGEMENT

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It gi/es me great )leasure to e0)ress m' dee) sense of gratitude for

guidan(e1 (onstru(ti/e suggestions1 ins)iring (riti(ism1 (onstant hel) and

tremendous en(ouragement rendered during the (ourse of the

)re)arations of this )ro*e(t.

I am also highl' inde&ted to R+C+S,ARMA(Faculty Member)1

FAC1LTY OF MANA-EMENT & TEC,NOLO-Y2 3araasifor his

/alua&le and (riti(ism during the in/estigation and )re)aration of the

)ro*e(t.

RANJEET SIN-,

M+B+A+ $!Year

Ro.. No+($)0%%$)

PREFACE

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+he su((essful (om)letion of this )ro*e(t was a unique e0)erien(e for me

&e(ause &' /isiting man' )la(e and intera(ting /arious )erson1 I a(hie/ed

a &etter 3nowledge a&out sales. +he e0)erien(e whi(h I gained &' doing

this )ro*e(t was essential at this turning )oint of m' (arrier this )ro*e(t is

&eing su&mitted whi(h (ontent detailed anal'sis of the resear(h under

ta3en &' me.

+he resear(h )ro/ides an o))ortunit' to the student to de/ote his4her

s3ills 3nowledge and (om)eten(ies required during the te(hni(al session.

CONTENTS

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Itro!u4tio 0

#C,APTER(*(((((((((((((((((((((((((((((((((((#5()'*

Co"6a7 Profi.e 5

Pro!u4t of t8e Re.ia4e Moe7 9

Nee! for t8e stu!7 '

Co"6etitors '9

O:;e4ti


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I5I5IDire(t 6or I5I5IDire(t.(om7 is sto(3 trading (om)an' of I5I5I

Ban3. Along with sto(3 trading and trading in deri/ati/es in BS, and

NS,1 it also )ro/ides fa(ilit' to in/est in IPs1 Mutual Funds and Bonds.

+rading is a/aila&le in BS, and NS,

I5I5IDire(t offers 2 different online trading )latforms to its (ustomers.

+')e of A((ount

. Share +rading A((ount

Share +rading A((ount &' I5I5IDire(t is )rimaril' for &u'ing and

selling of sto(3s in BS, and NS,.+his a((ount allows 5ash

+rading1 Margin +rading1 Margin P8S +rading1 S)ot +rading1

Bu' +oda' Sell +omorrow and 5all and +rade on )hone.

I5I5IDire(t.(om we&site is the )rimar' trading )latform for this

trading a((ount. +he' also )ro/ide installa&le a))li(ation terminal

&ased a))li(ation for high /olume trader.

!. 9ise In/estment A((ount

2. nline Mutual funds in/estment allows in/estor to in/est on-

line in around : Mutual Fund (om)anies. I5I5I Dire(t offers

/arious o)tions while in/esting in Mutual Funds li3e Pur(hase

Mutual Fund1 Redem)tion and swit(h &etween different

s(hemes1 S'stemati( In/estment )lans1 S'stemati( withdrawal

)lan and transferring e0isting Mutual Funds in to ele(troni(

mode. +his a((ount also )ro/ides fa(ilit' to in/est in

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ICICI PR1DENTIAL

I5I5I Prudential Assest Management 5om)an' en*o's the strong )arentage of

Prudential )l(. one the Cs largest in insuran(e @ fund management se(tors and

I5I5I Ban31 a well-3nown and trusted name in finan(ial ser/i(es in India. I5I5I

Prudential Asset Management 5om)an'1 in a s)an of *ust o/er eight 'ears1 has forged

a )osition of )reeminen(e in the Indian Mutual Fund industr' as one of the largest

asset management (om)anies in the (ountr' with a/erage assets under management of

Rs. $212";.%$ 5rore 6as of ul' 21 !%%:7. +he 5om)an' manages a (om)rehensi/e

range of s(hemes to meet the /ar'ing i


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management. +he Ban3 (urrentl' ha su&sidiaries in the nited Cingdom1 Russia and

5anada1 &ran(hes in nites1 Singa)ore1 Bahrin1 Gong Cong1 Sri 8an3a1 Hatar and

Du&ai International Finan(e 5entre and re)resentati/e offi(es in nited Ara&

,mirates1 5hina1 South Afri(a1 Bangladesh1 +hailand1 Mala'sia and Indonesia. ur

C Su&sidiar' has esta&lished &ran(hes in Belgium and


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I5I5I Prudential MutualFund Partner

5ustodian

Registrar

Distri&utor

9ho (an

Gow do

5ode of 5ondu(t

In(enti/es

Ban3ers

8egal Ad/isor

Sales +eam


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ROLE OF ICICI PR1DENTIAL

+he Gong3ong and Shanghai Ban3ing 5or)oration 8imited1 )ro/ides the following

ser/i(es to I5I5I Prudential Mutual Fund

Post-trading and (ustodial ser/i(es to the Mutual Fund.

,nsure that the &enefit due ton the holding are re(ei/ed on time.

Detailed management information and other re)orts as required &' the AM5.

Maintain (onfidentialit' of the transa(tion.

Be res)onsi&le for the loss or damage to the assets &elonging to the S(heme

due to negligen(e on its )art or on the )art of its a))ro/al agents and segregate

assets of ea(h s(heme.

As registrar to the S(heme1 5AMS handles (ommuni(ations with in/estor1

)erforms data entr' ser/i(es maintain in/estor data and dis)at(hes a((ount

statement refle(ting the holding and transa(tions of the in/estor.

As registrar and transfer agent to the I5I5I Premier1 I5I5I Info+e(h handles all

transfer related wor31 (ommuni(ations with in/estor1 maintain in/estor data and

)ro(esses all unit transa(tions.

Distri:utors

+he distri&utors are the networ3 through whi(h the /arious s(hemes of I5I5I

)rudential Mutual Fund rea(h the in/estors. +he distri&utors sell the s(hemes to

the in/estors for whi(h the' are )aid an in(enti/e in the form of (ommission.

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I5I5I Prudential Mutual Fund has distri&utors who ha/e a national )resen(e as

well as those that ha/e a strong lo(al )resen(e. +he Distri&utors (ould &e>

Distri&utors ,0am)les

Ban3

Foreign

Pri/ate

5iti Ban3 NA

GDF5 Ban31 I5I5I Ban3

National distri&utors

Cota3 Se(urities

DSP Merrill 8'n(h 8td.

Ba*a* 5a)ital 8td.

Morgan

Mata Se(urities

S.P. 5a)ital

8o(al distri&utors

Blue 5hi) 5or)orate In/estment 5entre

8td.

,astern Finan(e 8td.

Si/an Se(urities 8td.

NS,4BS, Bro3ers

Finan(ial ad/isors 5harted A((ounts

+a0 5onsultants

+he distri&utors are gi/en weightate on the following (ounts.

5lient Base> Gow sta&le are the in/estor1 the nature and num&er of

in/estors1

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Sales For(e> ,du(ational qualifi(ations1 strength of sales for(e

Ser/i(es ffered> Ad/isor'1 5olle(tion

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Maa=e"et Tea"

Mr. Nimesh Shah Mr. Ragha/ I'engar Mr. Gemant Agrawal

Mr. Nilesh Shah Mr. Vi3ram Caushal Mr. Cal'an Prasath

Mr. Shah=ad Madon Ms. Shashi Singh Mr. Ashish Ca33ar

Mr. B. Rama3rishna Mr. Crishna Prasad

+umuluri

Fu! Ma=ers

Mr+ S+ Nare Mr+ RA8u. -osa"i Mr+ C8aita7a Pa!e

Boar! of !ire4tors

Asset Maa=e"et

Co"6a7

Dire4tors of t8e Trustee

Co"a67

Ms. 5handa Co(hhar

5hair)erson

Mr. G.N. Sinor Mr. ,ru(h B. Desai-

(hairman

Mr. Barr' Stowe Mr. Dilee) 5ho3si Mr. M.S. Parthasarath'

Dr. 6Mrs.7 Swati S.

Piramal

Mr. N.S. Cannan Mr. D.. Bala*i Rao

Mr. Vi3ram B. +ri/edi Mr. Nimesh Shah Mr. Ce3i Bomi Dadiseth

Mr. Vi*a' +ha(3er Mr. Nilesh Shah Ms. Madha&i Puri-Bu(h

SYSTEMATIC IN3ESTIN-

I5I5I Prudential Mutual Fund allows 'ou to in/est s'stemati(all' through the

following 2 different s'stemati( in/esting o)tions whi(h allow 'ou to ma3e 'our

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transa(tions-whether )ur(hasing a new fund1 transferring &etween funds or redeeming

form a fund in a s'stemati( and dis(i)lined manner.

+ ICICI Pru!etia. S7ste"ati4 I


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go. As in the (ase of the SIP1 this hel)s 'ou redu(e 'our ris3 of mistiming 'our e0it

from a )ari(ular s(heme.

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T8e"ati4 a! se4tora. Fu!s

I5I5I Prudential infrastru(ture Fund I5I5I Prudential Ser/i(esIndustries Fund

I5I5I Prudential FM5< FundI5I5I Prudential +e(hnolog' Fund

Di


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Itro!u4tio

Different in/estment a/enues are a/aila&le to in/estors. Mutual funds also offer good in/estment

o))ortunities to the in/estors. 8i3e all in/estments1 the' also (arr' (ertain ris3s. +he in/estors should

(om)are the ris3s and e0)e(ted 'ields after ad*ustment of ta0 on /arious instruments while ta3ing

in/estment de(isions. +he in/estors ma' see3 ad/i(e from e0)erts and (onsultants in(luding agents and

distri&utors of mutual funds s(hemes while ma3ing in/estment de(isions.

9ith an o&*e(ti/e to ma3e the in/estors aware of fun(tioning of mutual funds1 an attem)t has &een

made to )ro/ide information in question-answer format whi(h ma' hel) the in/estors in ta3ing

in/estment de(isions.

8at is a Mutua. Fu!

Mutual fund is a me(hanism for )ooling the resour(es &' issuing units to the in/estors and in/esting

funds in se(urities in a((ordan(e with o&*e(ti/es as dis(losed in offer do(ument.

In/estments in se(urities are s)read a(ross a wide (ross-se(tion of industries and se(tors and thus the

ris3 is redu(ed. Di/ersifi(ation redu(es the ris3 &e(ause all sto(3s ma' not mo/e in the same dire(tion

in the same )ro)ortion at the same time. Mutual fund issues units to the in/estors in a((ordan(e with

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quantum of mone' in/ested &' them. In/estors of mutual funds are 3nown as unitholders.

+he )rofits or losses are shared &' the in/estors in )ro)ortion to their in/estments. +he mutual funds

normall' (ome out with a num&er of s(hemes with different in/estment o&*e(ti/es whi(h are laun(hed

from time to time. A mutual fund is required to &e registered with Se(urities and ,0(hange Board of

India 6S,BI7 whi(h regulates se(urities mar3ets &efore it (an (olle(t funds from the )u&li(.

,ISTORY

8at is t8e 8istor7 of Mutua. Fu!s i I!ia a! ro.e of SEBI i "utua. fu!s i!ustr7

nit +rust of India was the first mutual fund set u) in India in the 'ear :;2. In earl' ::%s1


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similar t')e. It ma' &e mentioned here that nit +rust of India 6+I7 is not registered with S,BI as a

mutual fund 6as on anuar' "1 !%%!7. nsored &' )ri/ate se(tor entities were allowed to enter the (a)ital

mar3et. +he regulations were full' re/ised in ::; and ha/e &een amended thereafter from time to

time. S,BI has also issued guidelines to the mutual funds from time to time to )rote(t the interests of

in/estors.

All mutual funds whether )romoted &' )u&li( se(tor or )ri/ate se(tor entities in(luding those )romoted

&' foreign entities are go/erned &' the same set of Regulations. +here is no distin(tion in regulator'

requirements for these mutual funds and all are su&*e(t to monitoring and ins)e(tions &' S,BI. +he

ris3s asso(iated with the s(hemes laun(hed &' the mutual funds s)onsored &' these entities are of

similar t')e. It ma' &e mentioned here that nit +rust of India 6+I7 is not registered with S,BI as a

mutual fund 6as on anuar' "1 !%%!7.

A mutual fund is an entit' that )ools the mone' of man' in/estors... its unit holders..

to in/est in different se(urities. In/estments ma' &e in shares1 de&t se(urities1 mone'

mar3et se(urities or a (om&ination of these. +hose se(urities are )rofessionall'

managed on &ehalf of the unit-holders1 and ea(h in/estor holds a )ro-rata share of the

)ortfolio i.e. entitled to an' )rofits when the se(urities are sold1 &ut su&*e(t to an'

lesson in /alue as well.

,AT ARE M1T1AL F1NDS

A Mutual funds is a managed grou) of owned se(urities of se/eral

(or)orations. +hese (or)orations re(ei/e di/idends on the shares that the' hold and

reali=e (a)ital gains or losses on their se(urities traded. In/estors )ur(hase shares in

the mutual fund as if it was an indi/idual se(urit'. After )a'ing o)erating (osts1 the

earnings 6di/idends1 (a)ital gains or loses7 of the mutal fund are distri&uted to the

in/estors1 in )ro)ortion to the amount of mone' in/ested. In/estors ho)e that a loss on

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one holding will &e made u) &' a gain on another. Geeding the adage KDonEt )ut all

'our eggs in one &a3etK the holders of mutual fund shares are a&le (olle(ti/el' to gain

the ad/antage &' di/ersif'ing their in/estments1 whi(h might &e &e'ond their fina(ial

means in/iduall'.

A must fund ma' &e either an o)en-end or a (losed-end. An o)en-end mutual

fund does not ha/e a set num&er of shares1 it ma' &e (onsidered as a fluid (a)ital

sto(3. +he num&er of shares (hanges as in/estors &u's or sell their shares. In/estors

are a&le to &u' and sell their shares of the (om)an' at an' time for a mar3et )ri(e.

Gowe/er the o)en-end mar3et )ri(e is influen(ed greatl' &' the fund managers. n

the other hand1 (losed-end mutual has a fi0ed num&er of shares and the /al/e of the

shares flu(tuates with the mar3et &ut with (lose-end funds1 the fund manager has less

influen(ed &e(ause the )ri(e of the underlining owned se(urities has greater influen(e.

Professioa. "aa=e"et of "utua. fu!s

Mutual funds use )rofessional managers to ma3e the de(isions regarding

whi(h (om)aniesE se(urities should &e &ought and sold. +he managers of the mutual

fund de(ide how the )ooled funds will &e in/ested. In/estment o))ortunities are

a&undant and (om)le0. Fund managers are e0)e(ted to 3now what is a/aila&le1 the

ris3s and gains )ossi&le1 the (ost of a(quiring and selling the in/estments1 and the

laws and regulations in the industr'. +he a&ilit' of the managers to sele(t )rofita&le

in/estment and to sell those li3el' to de(line in /alue is a 3e' fa(tor for the mutual

fund to earn mone' for the in/estor.

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M1T1AL F1ND PROSPECT1S

+he )ros)e(tus is a legal do(uments the in(ludes information a&out the mutual

fund. In this do(ument 'ou will find information a&out the terms of the offer1 the

issuer1 and its o&*e(ti/es. In the atermath of the :!: sto(3 mar3et (rash the federal

go/ernment in the se(urities A(t of :22 required se(urit' (om)anies to )u&lish a

)ros)e(tus. A first glan(e a )ros)e(tus ma' seem o/erwhelming. +he information is

the )ros)e(tus is usuall' lengthil'1 )a(3ed with ta&les and gra)hs and written in

te(hni(al and legal language. +his do(uments is )ro/ided to hel) 'ou ma3e an

informed in/estment de(ision &efore 'ou in/est in a mutual fund.

+o gain the essential information 'ou need1 )a' (lose attention the following

3e' se(tions>

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Although mutual funds aim to ma3e mone' for their in/estors1 their ultimate

goal1 *ust li3e an' other &usiness1 is to ma3e mone' for themsel/es. In order to do so1

funds (harge their shareholders a /ariet' of fees and e0)enses1 all of whi(h must &e

do(umented in the )ros)e(tus. A ta&le at the front of e/er' )ros)e(tus (ontains a

&rea3down of the different fees and e0)enses1 along with a h')otheti(al )ro*e(tion of

how the fees would im)a(t a %1%%% in/estment o/er a %-'ear )eriod. this ena&les

'ou to (om)are fees and e0)enses a(ross mutual funds.

A44out ifor"atio

+his se(tion (ontains /er' &asi( information a&out how to &u' and sell shares

and other a((ount-related information. In addition to telling 'ou how to get 'our

mone' into the fund1 the )ros)e(tus will also tell 'ou how to ta3e it out of the fund.

+he )ros)e(tus will inform 'ou whi(h redem)tion methods are a/aila&le to 'ou.

Ris@s

+he le/el of ris3 that the fund ta3es and the ris3s that are asso(iated with the

s)e(ifi( in/estments made &' the fund are one of the most im)ortant se(tions in the

)ros)e(tus.

Perfor"a4e

Information a&out the fundEs )erforman(e (o/er the last % 'ears is in(luded.

In/estors should &e aware that )ast )erforman(e is not ne(essaril' an indi(ator of

future results. As im)ortant is how well the fund has traditionall' )erformed

(om)ared to an inde01 su(h as the S@P "%%. A fundEs )erforman(e is also related to

the fundEs /olatilit'1 di/idend )a'ments and turno/er.

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Maa=e"et

+he names the managers and some additional information a&out their

e0)erien(e and qualifi(ations is re)orted. It (an &e hel)ful to 3now whether or not

the' ha/e managed other funds in the )ast and their su((ess or failure in order to get a

sense of their )ast strategies and results.

State"et of a!!itioa. ifor"atio

Mutual funds s)lit their )ros)e(tus into two )arts-- the KPros)e(tusK

6des(ri&ed a&o/e7 and the statement of additional information 6SAI7. In :21 the

Se(urities and ,0(hange 5ommission required mutual funds to su))l' mu(h more

detailed information a&out the fund. +hese are in(luded in the SAI. For legal )ur)oses

it is assumed that 'ou ha/e read it. If 'ou donEt re(ei/e the SAI with the )ros)e(tus1

'ou should request one. It )ro/ides great detail a&out the fundEs &oard of dire(tors1

an' limitations on the fundEs in/estments1 and the fees and e0)enses that are

mentioned in the )ros)e(tus.

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8at t76es of fu!s 4a I :u7

Ma;or Asset C.asses

Mone' Mar3et Funds

! Bond Funds

2 Balan(ed Funds

# Di/idend

" ,quit' Funds

; S)e(ialt' Funds

8at is a Moe7 Mar@et Fu!

L +his t')e of fundEs main o&*e(ti/e is to hold in/estment instruments that are

liquid and se(ure. +his t')e of fund is usuall' held on a short-term &asis1 and

the NAV is often fi0ed at %. ,0am)les> +reasur' &ills1 &an3erEs a((e)tan(es1

and short term notes.

L ne thing an in/estor should &e aware of is that these funds are N+

guaranteed li3e a


27/72

For e0am)le1 a )ro/in(ial &ond will &e rated Kmore ris3'K than a

go/ernment of 5anada &ond &e(ause rating s'stems determine that it

will &e easier for the go/ernment of 5anada to re)a' their de&t easier

than for an' )ro/in(ial go/ernment

8at is a Ba.a4e! Fu!

L +his t')e of fundEs main o&*e(ti/e is to hold an o)timal mi0 of in/estments

among (ash1 equities1 and in(ome-)rodu(ing se(urities.

L +his t')e of fund usuall' has se/eral managers who s)e(iali=e in a s)e(ifi(

area.

L +his t')e of in/estment is ideal for someone who wants a &etter return than a

fi0ed in(ome1 &ut also wants less ris3 than equit'.

8at is a Di

5anadian ,quit' Funds1 whi(h in/est1 )redominantl'1 in 5anadian

(or)orations.

! .S. ,quit' Funds1 whi(h in/est1 )redominantl'1 in .S. (or)orations

2 International ,quit' Funds1 whi(h in/est in man' (ountries around the world.

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8at is a S6e4ia.t7 Fu!

L +his t')e of fundEs main o&*e(ti/e is to (on(entrate its holdings in one

)arti(ular se(tor1 geogra)hi( region1 or in one (a)ital mar3et.

L ,0am)les> tele(ommuni(ations1 health (are1 te(hnolog'1 finan(ial ser/i(es1

,uro)ean mar3ets or a)an.

As 'ou s)e(iali=e1 'ou minimi=e di/ersifi(ation1 and that results in

in(reased ris3.

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RELIANCE ADA GROUP

!:


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Re.ia4e Moe7

Relian(e Mone' is a grou) (om)an' of Relian(e 5a)ital1 one of IndiaEs

leading and fastest growing )ri/ate se(tor finan(ial ser/i(es (om)anies1

ran3ing among the to) 2 )ri/ate se(tor finan(ial ser/i(es and &an3ing

(om)anies1 in terms of net worth. Relian(e 5a)ital is a )art of the

Relian(e Anil Dhiru&hai Am&ani


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C8air"aGs Profi.e

Regarded as one of the foremost (or)orate leaders of (ontem)orar' India1

Shri Anil Dhiru&hai Am&ani is the (hairman of all listed (om)anies of the

Relian(e ADA


32/72

Nagar1


33/72

s'stem. It has !.! million (ustomers in 'ear of offi(ial laun(h. It has

o/er "1%%% outlets a(ross $%% towns4(ities. A/erage dail' turno/er ? in

e0(ess of Rs !1%%% (rores. 5onsidering the entire life mar3et1 in(luding

the Rs. !1:% (rores &oo3ed &' life insuran(e 5or)oration1 Relian(e life

insuran(e mar3et share wor3s out to around ;.!" .+he life insuran(e

mar3et (ontinuous to &e dominated

B' 8I5 whi(h has a&out ;$ share this onl' a marginal di) from its $2

share in end-ul'. +hese (om)arisons are onl' for first 'ear or new

&usiness )remium.

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ELIANC MONEY P ODUCT OFFE ING

+ Tra!i= Porta.6with almost negligi&le &ro3erage 7

,quit' Bro3ing

5ommodit' Bro3ing

Deri/ati/es 6 Futures @ )tions 7

ffshore In/estments 65ontra(t For Differen(es7

D-Mat A((ount.

$+ Fia4ia. Pro!u4ts

Mutual Funds

8ife Insuran(e

o 8IP )lan

o +erm Plan

o Mone' Ba(3 Plan


35/72

5hildren Future Planning

".Cre!it Car!s

)+ -o.! 4ois retai.i=

.Success is a joure!" o# a

$is#ia#io%%

RELIANCE DEMAT ACCO1NTS

Overview of Demat Account

In India1 a Demat a((ount the a&&re/iation for demateriali=ed a((ount1 is

a t')e of &an3ing a((ount whi(h demateriali=es )a)er-&ased )h'si(al

sto(3 shares1 the demateriali=ed a((ount is used to a/oid holding )h'si(al

shares> the shares are &ought and sold through a sto(3 &ro3er. +his

a((ount is )o)ular in India. +he Se(urities and ,0(hange Board of India

6S,BI7 mandates a demat a((ount for share trading a&o/e "%% shares. As

2"


36/72

of A)ril !%%;1 it &e(ame mandator' that an' )erson holding a demat

a((ount should )ossess a Permanent A((ount Num&er 6PAN71 and the

deadline for su&mission of PAN details to the de)ositor' la)sed on

anuar' !%%$.

Pro(edure

. Fill demat request form 6DRF7 6o&tained from a de)ositor' )arti(i)ant

or DP with whom 'our de)ositor' a((ount is o)ened7.

!. Defa(e the share (ertifi(ate6s7 'ou want to demateriali=e &' writing

a(ross Surrendered for demateriali=ation.

2. Su&mit the DRF @ share (ertifi(ate6s7 to DP. DP would forward them

to the issuer 4 their R@+ Agent.

#. after demateriali=ation1 'our de)ositor' a((ount with 'our DP1 would

&e (redited with the demateriali=ed se(urities.

Reliance Mone Demat Account !ervice"

Re.ia4e Moe7 H +ransa(ting and in/esting sim)lified.


37/72

Funds1 life @ general insuran(e )rodu(ts or a/ail mone' transfer and

mone' (hanging ser/i(es1 'ou (an do it all through relian(e mone'.

Sim)l' o)en a relian(e mone' a((ount and en*o' the (on/enien(e of

handling all 'our 3e' finan(ial transa(tions through this one window.

Benefits of ha/ing relian(e mone' a((ount

#It$" co"t effective

Jou )a' (om)arati/el' lower transa(tion fees. As an introdu(tor' offer1

we in/ite 'ou to )a' a flat fee of *ust Rs. "%%4- and $"%4- and transa(t

through relian(e mone'. +his fee is /alid for two months or a s)e(ified

transa(tion /alue

T8e ta:.e :e.o for !etai.s+

L It" offer" "in%le &

2$


38/72

+hrough relian(e mone's asso(iates1 'ou (an transa(t in equit'1 equit'

and (ommodities deri/ati/es1 offshore in/estments mutual funds1 IPs

life insuran(e1 general Insuran(e1 mone' transfer1 mone' (hanging and

(redit (ards1 amongst others.

LIt" convenient

Jou (an a((ess relian(e mone's ser/i(es through

L+he internet

L+ransa(tion 3ios3s

L+he )hone 6(alls @ transa(t7

Lur all ? India networ3 of asso(iates on an assisted trade 6through the

(all (entre or our networ3 of asso(iates7 a (harge of Rs ! )er e0e(uted

trade a))li(a&le.

LIt" !afe

'our a((ount is safeguarded with a unique se(urit' num&er that

(hanges e/er' 2! se(onds. +his num&er wor3s as a d'nami(s )assword to

3ee) 'our a((ount e0tra safe.

2


39/72

L Jou get 'our own demat a((ount with relian(e (a)ital at an annual fee

of *ust Rs. "%4-.

L Its )ro/ides 'ou a demat a((ount )ro/ides 'ou a 2-in- fa(ilit'

L Jou (an a((ess 'our &an3ing1 trading and demat a((ount through a

single window and transfer funds a(ross a((ounts seamlessl'.

L It )ro/ide 'ou /alue- added ser/i(es at www.relian(emone'.(om1 'ou

get.

L Relia&le resear(h1 in(luding /iews of e0ternal e0)erts with an en/ia&le

tra(3 re(ord.

L 8i/e news u)dates from Reuters and Dow ones.

L 5,s 4 e0)ert /iews on the e(onom' and finan(ial mar3ets.

L +ools that hel) 'ou )lan 'our in/estments1 ta01 retirement1 et(. in the

)ersonal finan(e se(tion.

L Ris3 Anal'=er for anal'sis of 'our ris3 )rofile.

L Asset allo(ators to &uild an a))ro)riate in/estment )ortfolio

L Inno/ati/e use of te(hnolog' for fa(ilitating

5on/enient trading4in/estments ?

2:


40/72

@ios@s #si"i.ar to ATMs*

#%


41/72

Relian(e Mone' Pro/ide the 3ios3s 6similar to A+Ms7 Fa(ilities1 to their

(ustomer through whi(h the (ustomers (an trade on a/aila&le 3ios3s at

the )arti(ular Bran(h of Relian(e Mone'. +he (om)an' is going to o)en

these 3ios3s in the mar3et as the A+Ms of the Ban3s. Relian(e Mone'

)ro/ides 2 different trading )latforms for equit' trading>

Insta +rade

Fast +rade

,as' trade

+he &enefits

L A safe and (on/enient wa' to hold se(uritiesO

L Immediate transfer of se(uritiesO

L No stam) dut' on transfer of se(uritiesO

L ,limination of ris3s asso(iated with )h'si(al (ertifi(ates su(h as &ad

deli/er'1 fa3e se(urities1 dela's1 thefts et(O

L Redu(tion in )a)erwor3 in/ol/ed in transfer of se(uritiesO

L Redu(tion in transa(tion (ostO

L No odd lot )ro&lem1 e/en one share (an &e soldO

L Nomination fa(ilit'O

#


42/72

L 5hange in address re(orded with DP gets registered with all (om)anies

in whi(h in/estor holds se(urities ele(troni(all' eliminating the need to

(orres)ond with ea(h of them se)aratel'O

L +ransmission of se(urities is done &' DP eliminating (orres)onden(e

with (om)aniesO

L Automati( (redit into demat a((ount of shares1 arising out of

&onus4s)lit4(onsolidation4merger et(.

L Golding in/estments in equit' and de&t instruments in a single a((ount.

Required Do(uments

+he e0tent of do(umentation required to o)en a demat a((ount ma' /ar'

a((ording to 'our relationshi) with the institution. If 'ou )lan to o)en a

demat a((ount with a &an31 a sa/ings1 (urrent and1 or other a((ount for

whi(h the holder ha/e &een issued a (he(3 &oo31 su(h holder has an edge

o/er the non-a((ount holder. In fa(t1 &an3s usuall' offer additional

in(enti/es to (ustomers who o)en a demat a((ount with them. Along with

the a))li(ation form1 'our )hotogra)hs 6with (o-a))li(ants7 and )roof of

identit'4residen(e4date of &irth ha/e to &e su&mitted. +he DPs also as3 for

a DP-(lient agreement to &e e0e(uted on non-*udi(ial stam) )a)er. Gere

is a &road list>

L A (an(eled (he(31 )refera&l' MI5R

L Proof of Identifi(ation

#!


43/72

L Proof of Address

L Proof of Pan 5ard 6mandator'7

L Re(ent )hotogra)hs1one and1 or more for )roof of identifi(ation and1 or

address self-attested fa(simile (o)ies of PAN (ard1 Voters ID1 Pass)ort1

Ration (ard1 Dri/ers li(ense1 Photo (redit (ard1 ,m)lo'ee ID (ard1 Ban3

attestation1 latest I+ returns and1 or latest ,le(tri(it'48andline )hone &ill

are suffi(ient. 9hile the' onl' as3 for )hoto(o)ies of the do(uments1 the'

will need the originals for /erifi(ation.

Point" to Remem'er

. nl' se(urities admitted &' NSD8 (an &e demateriali=ed. +he list is

a/aila&le with 'our DP.

!. nl' se(urities registered in the name of the a((ount holder (an &e

demateriali=ed.

2. Demateriali=ation is normall' (om)leted within " da's after the share

(ertifi(ates ha/e rea(hed the issuer4 their R@+ Agent. +hus it ma' ta3e

'ou a month from the date 'ou hand o/er shares1 to re(ei/e demat (redit.

#. Demateriali=ation would &e done onl' when the issuer 4 their R@+

Agent is satisfied of genuineness of se(urities @ ownershi) status

#2


44/72

". All the *oint holders should sign the DRF.

;. +he )attern of holding in the DRF should mat(h the )attern of holding

on the share (ertifi(ate @ the )attern in whi(h a((ount is o)ened.

$. Demat requests with name6s7 not mat(hing e0a(tl' with the name6s7

a))earing on the (ertifi(ates merel' on a((ount of initials not &eing s)elt

out full' or )ut after or )rior to the surname1 would &e )ro(essed1

)ro/ided the signature6s7 of the (lient6s7 on the DRF tallies with the

s)e(imen signature6s7 a/aila&le with the issuer4 their R @ + agent.

. If the signature in the DRF does not mat(h with the signature a/aila&le

with the issuer4 their R @ + agent1 the issuer4 their R @ + agent ma' at the

time of demat (onfirmation1 as3 for additional do(umentation 6li3e &an3

attestation4 notari=ation1 et(.7 to )ro/e that the (ertifi(ate &elongs to the

)erson who forwarded the DRF.

:. In (ase there is an' )ro&lem in )ro(essing the DRF1 (onta(t 'oure DP

and if he (annot resol/e the )ro&lem 'ou ma' (onta(t NSD8.

(enefit

Demat a((ount has &e(ome a ne(essit' for all (ategories of in/estors for

the following reasons4 &enefits>

S,BI has made it (om)ulsor' for trades in almost all

s(ri)s to &e settled in Demat mode. Although1 trades

u) to "%% shares (an &e set t led in )h'si(al form1

##


45/72

)h'si(al settlement is /irtuall' not ta3ing )la(e for

the a))rehension of &ad deli/er' on

A((ount o f mismat(h o f s ignatures1 forger' o f

signatures1 fa3e (ertifi(ates1 et(.

I t is a safe and (on/enient wa' to hold se(uri t ies

(om)ared to holding se(urities in )h'si(al form..

No stam) dut' is le/ied on transfer of se(urities held

in Demat form.

Instan taneous tr ans fer of se(uri ti es enhan(es

liquidit'.

I t e liminates de la's1 theft s1 inter(e)t ions and

su&sequent misuse of (ertifi(ates.

5hange of name1 address1 registration of )ower of

attorne'1 deletion of de(easedEs name1 et(. - (an &e

effe(ted a(ross (om)anies &' one single instru(tion

to the DP.

,a(h share is a mar3et lot for the )ur)ose of

transa(tions - so no odd lot )ro&lem.

An' num&er of se(urities (an &e transferred4deli/ered

with one deli/er' order. +herefore1 )a)erwor3 and signing of

multi)le transfer forms is done awa' with. It fa(ilitates ta3ing

ad/an(es against se(urities on low margin4low interest.

#"


46/72

NEED OF T,E ST1DY

+he need of the s tud' arises &e(ause of the reason that a

trainee must understand the (om)an'1 i ts a(hie/ements and

tas3s1 )rodu(ts and ser/i(es and also to (olle(t information

a&out i ts (om)etitors1 i ts )rodu(ts and ser/i(es offered. So

that1 after understanding and (olle(ting information a&out the

organi=ation and its (om)etitors1 a trainee will &e a&le to wor3

well for the organi=ation.

From the stud' I ha/e learned /er' mu(h1 a&out the

(om)an' as well as the strateg' of the (ustomers1 whi(h hel)s

me a lot at m' wor3ing da's.

#;


47/72

COMPETITORS

GDF5 BANC is one of the leading De)ositor' Parti(i)ant 6DP7 in the

(ountr' with o/er 8a( demat a((ounts.

GDF5 Ban3 Demat ser/i(es offers 'ou a se(ure and (on/enient wa' to

3ee) tra(3 of 'our se(urities and in/estments1 o/er a )eriod of time1without the hassle of handling )h'si(al do(uments that get mutilated or

#$


48/72


49/72

In(ase 'ou need an' more information or ha/e an' queries1 feed&a(3 @

(om)laints 1 'ou ma' )lease mail us at d)hel)hdf(&an3.(om

Se(ured @ eas' transa(tion )ro(essing

GDF5 Ban3 8td )ro/ides (on/enient fa(ilit' (alled ESP,,D-eE 6Internet

&ased transa(tion7 where&' a((ount holder (an su&mit deli/er'

instru(tions ele(troni(all' through SP,,D-e we&site 6htt)s>44s)eed-

e.nsdl.(om7. SP,,D-e offers se(ured means of transa(tion )ro(essing

eliminating )re)aration of instru(tion sli)s and su&mission of the same

a(ross the (ounter to the de)ositor' )arti(i)ant. +he EID,ASE fa(ilit'

hel)s in /iewing the (urrent transa(tions and &alan(es 6holdings7 of

Demat a((ount on Internet on real time &asis.

Dis(laimer>

9hate/er ha/e &een stated a&o/e are in the good interest of the In/estor 4

Demat A))li(ants 4 holders to )ro/ide a &rief )i(ture a&out the de)ositor'

s'stem. Jou are requested go through the guidelines of the de)ositories

&efore ta3ing an' further a(tion. For detailed guidelines1 'ou are

requested to a))roa(h 'our nearest GDF5 Ban3 &ran(h. GDF5 Ban3 will

not &e res)onsi&le for an' misunderstanding 4 a(t &ased on the a&o/e.

Also GDF5 Ban3 might as3 for additional information 4 do(umentation

than what has &een stated a&o/e to )ro(ess 'our a))li(ation 4 instru(tion.

#:


50/72

OBJECTI3E

+o find the mar3et )otential and mar3et )enetration of

I5I5I )rodu(t offerings in Bho)al.

+o (olle(t the real t ime information a&out )referen(ele/el of (us tomers using Demat a((oun t and the ir

in(lination towards /arious other &ro3erage firms e.g.

India&ulls1 Share3han1 Indiainfoline1 Religare1 Alan3it 1

ni(on.

+o e0)and the mar3et )enetration of I5I5I.

+o )ro/ide )ri(ing strateg' of (om)etitors to fight (ut

throat (om)etition.

"%


51/72

+o in(rease the )rodu(t awareness of I5I5I as s ingle

window sho) for in/estment solutions.

RESEARC, MET,ODOLO-Y

MET,ODS OF DATA COLLECTION

In the )ro*e(t wor3 Primar' data se(ondar' data 6&oth7 sour(es of data

has &een used.

+ Pri"ar7 sour4es of !ata

In the )rimar' sour(es of data used &ser/ation Method @

Huestionnaire method.

"


52/72

$+ Se4o!ar7 sour4es of !ata

In the se(ondar' sour(es of data is used. 6Internet 1

maga=ines 1&oo3s1 *ournals7

TOOLS OF ANALYSIS

In the )ro*e(t wor3 quantitati/e te(hnique @ )er(entage method are has

&een used.

Resear(h Methodolog' refers to sear(h of 3nowledge .one (an also define

resear(h methodolog' as a s(ientifi( and s'stemati( sear(h for required

information on a s)e(ifi( to)i(.

+he word resear(h methodolog' (omes from the word Qad/an(e

learners di(tionar'meaning of resear(h as a (areful in/estigation or

inquir' es)e(iall' through resear(h for new fa(ts in m' &ran(h of

3nowledge for e0am)le some author ha/e define resear(h methodolog'

as s'stemati=ed effort to gain new 3nowledge.

TYPES OF RESEARC,

ANALYTICAL RESEARC,(

It has to used fa(ts or information alread' a/aila&le and anal'=es

these to ma3e a (riti(al e/aluation of material.

SAMPLE SIE

5onsidering the (onstraints it was de(ided to (ondu(t the stud'

&ased on sam)le si=e of "% )eo)le in s)e(ifi( age grou)s.

"!


53/72

RESEARC, DESI-N

For the )ro)er anal'sis of data sim)le quantitati/e te(hnique su(h as

)er(entage were used. It hel) in mar3eting more a((urate generali=ation

From the data a/aila&le .+he data whi(h was (olle(ted from a sam)le of

)o)ulation was assumed to &e re)resenting entire )o)ulation was

interested .Demogra)hi( fa(tor li3e age1 in(ome and edu(ational

&a(3ground was used for the (lassifi(ation )ur)ose .

"2


54/72

DATA ANALYSIS

ANDINTERPRETATION

+ A=e

OPTIONS RESPONDENTS PERCENTA-E

$%('% YEARS #% #%

'%()% YEARS % %

)%(% YEARS !$ !$

%(9% YEARS !2 !2

TOTAL %% %%K

"#


55/72

er're#a#io

ut of 2%% res)ondent "% res)onders are (omes under !% to 2% 'ears1 whi(h is "%

)er(ent of m' sam)le. %% res)ondents fall under 2% to #% 'ears1 whi(h is 22 )er(ent of

total res)onders. In &etween #% to "% 'ears age !$ res)ondents (ome. nl' !2 res)onders

&elong to "%-;% 'ears (ategor'1 whi(h is almost $ )er(ent1 denotes.

$+ E!u4atioa. ua.ifi4atio


1NDER -RAD1ATE % %

-RAD1ATE 2" 2"

POST

-RAD1ATE

!" !"

PROFESSIONAL

CO1RSE

2% 2%

""


56/72

TOTAL %% %%K

er're#a#io

ut of 2%% res)ondent 2% res)onders are under graduate1 whi(h is % )er(ent of m'

sam)le. % res)ondents (om)leted his graduation1 whi(h is ;% )er(ent of total

res)onders. Post graduation (om)leted res)ondents are ;%. nl' 2% res)ondents

(om)leted )rofessional (ourse1 whi(h is almost1 (o/ers % )er(ent of sam)le.

'+ O44u6atio


ST1DENT 2 2

1NEMPLOYED YO1T,2

SEARC,IN- JOB

#% #%

SELF EMPLOYED $ $

B1SINESSMAN % %

JOB -O3T ! !

JOB P3T+

";


57/72

TOTAL %% %%K

er're#a#io

ut of 2%% res)ondent "" res)onders are &elongs to student (ategor' and "# res)onders

unem)lo'ed 'ouths1 whi(h is % )er(ent of m' sam)le. % res)ondents (om)leted his

graduation1 whi(h is ;% )er(ent of total res)onders. Post graduation (om)leted

res)ondents are ;%. nl' 2% res)ondents (om)leted )rofessional (ourse1 whi(h is almost

(o/ers % )er(ent of sam)le.

)+ 8at is 7our "ot8.7 eari=


1PTO RS %%% !2 !2

RS %%%(%%%% 2 2

RS %%%%(%%% 2; !

ABO3E RS %%% $ $

NO INCOME ! !

"$


58/72

TOTAL %% %%K

+ Your "arita. status


MARRIED

1NMARRIED ! !

TOTAL %% %%K

"


59/72

9+ 8i48 :a@ is easi.7 a


60/72

IN+,RPR,+A+IN> "% ha/e res)ondent of Relian(e Mone'1 2%ha/e res)ondent of GDF51 !% ha/e res)ondent of I5I5I.

0+8i48 :a@i= De"at a44out offere! 7ou a .ar=e o+ of ser


61/72

INTERPRETATION"% ha/e res)ondent of Relian(e Mone'1 !% ha/e res)ondent of

GDF51 2% ha/e res)ondent of I5I5I.

5+ 8i48 :a@ 6ro


62/72

INTERPRETATION

#; ha/e res)ondent of Relian(e Mone'1 !! ha/e res)ondent ofGDF51 2! ha/e res)ondent of I5I5I.

>+ 8i48 4o"6a7 6ro


63/72

INTERPRTETATION

#! ha/e res)ondent of Relian(e Mone'1 2% ha/e res)ondent ofGDF51 ! ha/e res)ondent of I5I5I.

%+ 8i48 4o"6a7 6ro


64/72

INTERPRETATION (

#! ha/e res)ondent of Relian(e Mone'1 2% ha/e res)ondent ofGDF51 ! ha/e res)ondent of I5I5I.

Re'rese# a 'ie c(ar#

;#


65/72

OBSER)AT&ON

+o stud' the sales and distri&ution management and im)ro/e

the 5ustomer A(quisition Pro(ess &' anal'=ing the (onsumer

&eha/ior1 res)onse and mindset towards the )rodu(t and

ser/i(es the (o m)an' offers.

;"


66/72

"% ha/e res)ondent of Relian(e Mone'1 2% ha/e

res)ondent of GDF51 !% ha/e res)ondent of I5I5I.

"% ha/e res)ondent of Relian(e Mone'1 !% ha/eres)ondent of GDF51 2% ha/e res)ondent of I5I5I.

#; ha/e res)ondent of Relian(e Mone'1 !! ha/e

res)ondent of GDF51 2! ha/e res)ondent of I5I5I.

#! ha/e res)ondent of Relian(e Mone'1 2% ha/e

res)ondent of GDF51 ! ha/e res)ondent of I5I5I. #! ha/e res)ondent of Relian(e Mone'1 2% ha/e

res)ondent of GDF51 ! ha/e res)ondent of I5I5I.

S1--ESTION

+he Brand image of I5I5I is good in mar3et &ut a((ording to (ustomer

satisfa(tion the (om)an' has to )ro/ide the &etter ser/i(e.

;;


67/72

And also (hange the Mar3et strateg'

Li"itatios

. +he time (onstraint was one of the ma*or )ro&lems.

;$


68/72

!. +he stud' is limited to the different s(hemes a/aila&le under the

Demat a((ount sele(ted.

2. +he la(3 of information sour(es for the anal'sis )art.

CONCL1SION

I5I5I Demat A((ount is &etter than other Demat a((ount. I5I5 has good

return of in/estment. A good &rand is alwa's wel(omed o/er here )eo)le

are aware of qualit' so the' go for read' to s)end &u(3s of mone'.

;


69/72

At last all (on &e (on(luded &' that I5I5 is still growing industr' in India

I5I5I Demat a((ount ha/e less &ro3erage rate.

It )ro/ides a se(urit' with the use of s)e(ial t')e of 3e'.

?1ESTIONNAIRE. Age

a7 -!" &7 !"-2"

(7 2"-"% d7 a&o/e "%

!. ,du(ational qualifi(ation

;:


70/72

a7 nder


71/72

$.9hi(h &an3ing Demat a((ount offered 'ou a large no. of ser/i(es

I5I5I

GDF5

Relian(e Mone'

. 9hi(h &an3 )ro/ides 'ou a &etter email fa(ilit'

I5I5I

GDF5

Relian(e Mone'

:.whi(h (om)an' )ro/ides a less BRCARA


72/72

e:sites

www.relian(emone'.(om

www.hdf(.(om

www.i(i(idire(t.(om

Refere4e :oo@s

+IN3ESTMENT MANA-EMENT ( 3++B,ALL

$+ Resear48 "et8o!o.o=7 OT,ARI

Date post:	03-Jun-2018
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Demat Account Among Youth With Reliance Money

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