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Summer Internship Project Report

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PRESTIGE INSTITUTE OF MANAGEMENT

AND RESEARCH, INDORE (M.P)

Summer training report

On

Grasim Inustries

Investment Options Available in the Market

2014

Submitted in partial fulfillment of the requirement ofUnder Graduate Program (UG)

Submitted by: Submitted to:

Neha Singotia

BBA - A

PRESTIGE INSTITUTE OF MANAGEMENT AND RESEARCH

(An Autonomous Institution Established In 1994, Accredited with Grade A NAAC (UGC))

Scheme No. 74-C, Vijay Nagar, Indore


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CERTIFICATE FROM THE GUIDE

This is to certify that the project report titled Types of InvestmentOptions Available in the Market submitted in partial fulfillment forthe award of BBA Programme of Prestige Institute of Management &Research, Indore was carried out by Miss Neha Singotia under myguidance. Research study Carried out during 16 th June 2014 to 16 th July 2014.

Prof. Ravi Changle


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STUDENTS DECLARATION

I hereby declare that summer training report entitled Types ofInvestment Options Available in the Market. Is submitted for the partialfulfillment of BACHELOR OF BUISNESS ADMINISTRATION.Degree by DAVV. Is my original work and not submitted for the awardof much degree, diploma and other certificate program.

Place: INDORE

Date: NEHA SINGOTIA


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ACKNOWLEDGEMENT

All praise to Almighty God, I down to him in gratitude all humility from the depth of my heart.

I offer my sincere thanks to Prof. Ravi change, My mentor, faculty of PRESTIGE INSTITUTEOF MANAGEMENT AND RESEARCH U.G INDORE (M.P)

I express my sincere thanks and profound gratitude to my respected project guide MR. Mrunalfor his great support, constant persuasion, constructive criticism and indispensable the theoreticaland practical aspect of the work and he has nurtured in me the ability to work independently. Iconsider myself fortunate enough to have worked under her supervision.

I thank my lord for giving me nice parents whose love, sacrifices and sustained effortenabled me to acquire knowledge.

I am thankful to all those who directly or indirectly helped me in the completion of this project.

Last but not the least I am grateful to all the critics and to my class mates and team members

without their help, I would not have been able to bring out the maximum in me.

Miss Nha Singotia BBA V SEMSection: A


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Executive Summary


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Table of content

SR.NO TOPICS

1. Company study2. Industry study3. Company history, ownership4. Company profile5. Competitors6. products & services7. Introduction to mutual funds in India 8. Working of mutual funds

9. Types of mutual funds10. Advantages and disadvantages of

mutual funds

11 Findings

12. Conclusion

13. References


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INDUSTRY STUDY

The Bombay Stock Exchange (BSE) and the National Stock Exchange of India Limited(NSE) are the two primary exchanges in India. In addition, there are 22 Regional StockExchanges. However, the BSE and NSE have established themselves as the two leadingexchanges and account for about 80% of the equity volume traded in India. The NSE and BSEare equal in size in terms of daily traded volume.

The average daily turnover at the exchanges has increased from Rs851crore in 1997-98 toRs1284crore in 1998-99 and further to Rs2273crore in 1999-2000. NSE has around 1500 shareslisted with the total market capitalization of around Rs9, 21,500crore.

The BSE has over 6000 stocks listed and has a market capitalization of around Rs9,68,000crore. Most key stocks are traded on both the exchanges and hence the investor could buyon either of the exchanges. Both exchanges have a different settlement cycle, which allowsinvestors to shift their position on the bourses. The primary index of BSE in BSE Sensexcomprises 30 stocks. NSE has the S&P NSE 50 Index (Nifty), which consists of fifty stocks. TheBSE Sensex is the older and most widely followed index. Both these indices are calculated onthe basis of market capitalization and contain the heavily traded shares from key sectors.

The markets are closed on Saturdays and Sundays. Both the exchanges have switched over fromthe open outcry trading system to a fully automated computerized mode of trading known asBOLT (BSE On Line Trading) and NEAT (National Exchange Automated Trading) system. Itfacilitates more efficient processing, automatic order matching, faster execution of trades andtransparency.The scrip traded on the BSE has been classified into A, B1, B2, C, F, and Z groups.The A group shares represent those, which are in the carry forward system (Badla). The Fgroup represents the dept market (fixed income securities) segment. The Z group scrip is the


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blacklisted companies. The C group covers the odd lot securities in A, B1, & B2 groupsand Rights renunciations. The key regulator governing Stock Exchanges, Brokers, Depositories,Depository participants, Mutual Funds, FIIs and other participants in Indian secondary and

primary market is the Securities and Exchange Board of India (SEBI) Limited.

Financial Market

MONEY MARKET:The Money Market refers to the market where borrowers and lenders exchange short-term

funds to solve their liquidity needs.

CAPITAL MARKET:The Capital Market is a market for financial investments that are direct or indirect claims

to capital (Gart, 1988).

SECURITIES MARKET:

It refers to the markets for those financial instruments/claims/obligations that arecommonly and readily transferable by sale. It has two inter-dependent and inseparable segments,the new issues (primary) market and the stock (secondary) market.

Primary Market:

Securities generally have two stages in their lifespan. The first stage is when the companyinitially issues the security directly from its treasury at a predetermined offering price. This isa primary market offering. It is referred to as the Initial Public Offering (IPO). In Primarymarket, securities are offered to public for subscription for the purpose of raising capital orfund.

Secondary Market

Secondary market refers to a market where securities are traded after being initially offeredto the public in the primary market and listed on the Stock Exchange. Majority of the tradingis done in the secondary market. Secondary market comprises of equity markets and the debt

markets.


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COMPANY PROFILE OF :

GRASIM

INDUSTRIES

Investment starts from a set goal and objective. Its all about following a dream with a vision. Itis about understanding the market and grabbing the nerve at the right time, importantly the gutfeel and common sense which shall reap immense profits.Grasim Industries Limited , a flagship company of the Aditya Birla Group, ranks amongstIndia's largest private sector companies, with a consolidated net revenue of Rs.293 billion andconsolidated net profit of Rs.21 billion (FY 2014).Grasim started as a textile manufacturer in1948. Today its core businesses are Viscose Staple Fibre (VSF) and Cement, contributing over90 per cent of its revenues and operating profits. It is also present in Chemicals which isessentially a backward integration of VSF. The Aditya Birla Group is the worlds largest

producer of VSF, commanding a 19 per cent global market share. Grasim, with an aggregatecapacity of 378 ktpa has a global market share of 9 per cent. It is also the largest player in Indiain Chlor Alkali with Caustic capacity of 452K TPA (which is used in the production of VSF) inIndia.Grasim entered into Cement business in 1985 with a capacity of 0.5 million tpa. Over the years,through organic and inorganic expansions, the business has grown multifold. Currently, Grasimssubsidiary UltraTech Cement Limited ("UltraTech") has a capacity of 61.75 million tpa. Earlier,in July 2004, Grasim acquired a majority stake and management control in UltraTech. One of thelargest-of-its-kind in the cement sector, this acquisition catapulted Grasim to the top of the

league in India. Subsequently, Grasim demerged its cement business into UltraTech in July 2010.The merger has created the largest cement company in India, providing a platform that will helpin pursuing aggressive growth going forward. Grasim is implementing ambitious growth plansthrough capacity expansions in VSF and Cement, which will further consolidate its leadership in

both the businesses.


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KEY MANAGEMENT PERSONNEL:

Board of Directors

:: Mr. Kumar Mangalam Birla, Chairman

:: Mrs. Rajashree Birla

:: Mr. M. L. Apte:: Mr. B. V. Bhargava

:: Mr. R. C. Bhargava

:: Mr. Cyril Shroff

:: Dr. Thomas M. Connelly

:: Mr. N. Mohan Raj

:: Mr. Shailendra K. Jain

:: Mr. D. D. Rathi

:: Mr. K. K. Maheshwari (Managing Director):: Mr. Adesh Gupta (Whole-Time Director)

Managing Director :: Mr. K. K. Maheshwari

Chief Financial Officer :: Mr. Adesh Gupta

Business Heads :: Mr. K. K. Maheshwari, Fibre & Pulp

:: Mr. O. P. Puranmalka, Cement

:: Mr. Lalit Naik, Chemicals

Company Secretary :: Mr. Ashok Malu


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HISTORY:

Mr. Aditya Vikram Birla, the Group's visionary leader set up India's first truly global

multinational The roots of the Aditya Birla Group date back to the 19th century in the picturesque town of

Pilani set amidst the Rajasthan desert. It was here that Seth Shiv Narayan Birla startedtrading in cotton, laying the foundation for the House of Birla.

Through India's arduous times of the 1850s, the Birla business expanded rapidly. In the early part of the 20th century, the Group's founding father, Mr. Ghanshyamdas Birla, set upindustries in critical sectors such as textiles and fibre, aluminium, cement, and chemicals. Asa close confidant of Mahatma Gandhi, he played an active role in the Indian freedomstruggle. He represented India at the first and second round-table conferences in London,along with Gandhiji. It was at Birla House in Delhi that the luminaries of the Indian freedomstruggle often met to plot the downfall of the British Raj.

Mr. Ghanshyamdas Birla found no contradiction in pursuing business goals with thededication of a saint, emerging as one of the foremost industrialists of pre-independenceIndia. The principles by which he lived were soaked up by his grandson, Mr. Aditya VikramBirla, the Group's legendary leader.

Mr. Aditya Vikram Birla Putting India on the world map A formidable force in Indian industry, Mr. Aditya Birla dared to dream of setting up a global

business empire at the age of 24. He was the first to put Indian business on the world map, as

far back as 1969, long before globalisation became a buzzword in India.In the then vibrant and free market South East Asian countries, he ventured to set up world-class production bases. He had foreseen the winds of change and staked the future of his

business on a competitive, free market driven economic order. He put Indian business on theglobe, 22 years before economic liberalisation was formally introduced by the former PrimeMinister, Mr. Narasimha Rao, and the former Union Finance Minister, Dr. Manmohan Singh.He set up 19 companies outside India, in Thailand, Malaysia, Indonesia, the Philippines andEgypt.

Interestingly, for Mr. Aditya Birla, globalisation meant more than just geographic reach. He believed that a business could be global even while being based in India. Therefore, back inhis home-territory, he drove single-mindedly to put together the building blocks to make ourIndian business a global force.


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Under his stewardship, his companies rose to be the world's largest producer of viscosestaple fibre, the largest refiner of palm oil, the third-largest producer of insulators and thesixth-largest producer of carbon black. In India, they attained the status of the largest single

producer of viscose filament yarn, apart from being a producer of cement, grey cement, andrayon grade pulp. The Group is also the largest producer of aluminium in the private sector,

the lowest first-cost producers in the world and the only producer of linen in the textileindustry in India.

At the time of his untimely demise in 1995, the Group's revenues had crossed Rs.8,000 croreglobally, with assets of over Rs.9,000 crore, comprising 55 benchmark quality plants, anemployee strength of 75,000 and a shareholder community of 600,000.

Most importantly, his companies earned the respect and admiration of the people, as one ofIndia's finest business houses, and the first Indian international Group globally. Through this

outstanding record of enterprise, he helped create enormous wealth for the nation, andrespect for Indian entrepreneurship in South East Asia. In his time, his success wasunmatched by any other industrialist in India.

That India attains respectable rank among the developed nations was a dream he forevercherished. He was proud of India and took equal pride in being an Indian.


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Group Companies

Grasim has its presence in the following businesses:

Viscose staple fibreGrasim is India's pioneer in viscose staple fibre (VSF). An extremely versatile and easily

blendable fibre, VSF is widely used in apparels, home textiles, dress material, knitted wearand non-woven applications. Grasim's VSF plants are located at Nagda in Madhya Pradesh;at Kharach in Gujarat and at Harihar in Karnataka.

Cement Grasim made its foray into cement production in the mid 1980s. The company set up its firstcement plant at Jawad in Madhya Pradesh and since then it has grown to become a leadingcement player in India. Grasim's subsidiary UltraTech Cement is the largest selling single

brand cement in India and the largest cement clinker exporter. UltraTech's products includeOrdinary Portland Cement, Portland Pozzolana Cement and Portland Blast Furnace Slagcement. UltraTech is the most trusted and preferred brand of engineers, builders, contractorsand individual house builders.

Chemicals Grasim set up a rayon grade caustic soda unit at Nagda in 1972 to achieve reliable andeconomical supply of rayon grade caustic soda, which is an important raw material in viscose

staple fibre production. As one of the leading caustic soda manufacturers in India, Grasimuses cost-effective membrane cell technology and is 100 per cent self-sufficient in power.

Textiles Grasim, through its subsidiary, Grasim Bhiwani Textiles Limited has a strong presence infabrics and synthetic yarns. Grasim Bhiwani Textiles is well known for its branded suitings,Grasim and Graviera, mainly in the polyester cellulosic branded menswear segment. It hasits textile plants located at Bhiwani in Haryana and at Malanpur in Madhya Pradesh.


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Vision And Mission

Our VisionTo be a premium global conglomerate, with a clear focus on each of the businesses.

Our MissionTo deliver superior value to our customers, shareholders, employees and society at large.

Values

Our Values Integrity : Acting and taking decisions in a manner that is fair and honest. Following the highest

standards of professionalism and being recognised for doing so. Integrity for us means not onlyfinancial and intellectual integrity, but encompasses all other forms as are generally understood.

Commitment : On the foundation of Integrity, doing all that is needed to deliver value to allstakeholders. In the process, being accountable for our own actions and decisions, those of our teamand those in the part of the organisation for which we are responsible.

Passion : An energetic, intuitive zeal that arises from emotional engagement with the organisationthat makes work joyful and inspires each one to give his or her best. A voluntary, spontaneous and

relentless pursuit of goals and objectives with the highest level of energy and enthusiasm. Seamlessness : Thinking and working together across functional groups, hierarchies, businesses andgeographies. Leveraging diverse competencies and perspectives to garner the benefits of synergywhile promoting organisational unity through sharing and collaborative efforts.

Speed : Responding to internal and external customers with a sense of urgency. Continuouslystriving to finish before deadlines and choosing the best rhythm to optimise organisationalefficiencies.


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SERVICES:

CORPORATE TECHNICAL AND ENERGY SERVICESA sister organisation of the Aditya Birla Science and Technology Company, CorporateTechnical and Energy Services (CTES) was established in 1990 to provide services acrossthe Group for technical problem solving and cost reduction by means of energy conservation,waste heat recovery, optimisation of manpower and material handling systems, improvedoperational and maintenance practices, water conservation, electrical systems, etc. CTES also

provides support services for heat transfer enhancement, thermography and trouble-shootingfor plant equipment.

CTES is actively involved in sharing knowledge and experiences through Group-wide

benchmarking studies, and maintaining the critical equipment database. It organisescorporate technical seminars and publishes newsletters and white papers on various technicalissues. It also extends project execution support to Group units.

CTES has the following accreditations: Approved energy auditor for Gujarat Registered member and auditor for Gujarat Energy Development Agency and Maharashtra Energy

Development Agency ISO 9001:2000 certified by BSI National-level Energy Auditor accreditation in progress

Member of Heat Transfer Research Inc of USA

BIRLA-TATA-AT&T AND BPL TEAM UP TO FORMINDIA'S PREMIER MOBILE SERVICES COMPANYMumbai

Birla-Tata-AT&T and BPL Communications Ltd have signed an agreement to consolidatetheir operations, subject to Board and Statutory approvals.

This Combine will result in the creation of the largest cellular JV Company in India, with asubscriber base close to one million, constituting over 24 % of all cellular users. Thefootprint of this JV will cover 38% of the country's population and 51% of all fixed linetelephone users.


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The Joint Venture will provide cellular services in Madhya Pradesh, Chattisgarh, Gujarat,Mumbai, Maharashtra, Goa, Andhra Pradesh, Tamil Nadu and Kerala. The contiguity of itsmarkets accords it a unique position.

The JV will offer world class quality and service to consumers in these states.

It will jointly pursue the future expansion of its footprint. The BPL franchise in Maharashtradoes not form part of the JV.

The Joint Venture will aim to be the preferred choice of consumers, lenders and investors. Itwill move to a common brand name and a new corporate identity in a phased manner.

The relative equity stake will be 49.32% for the BPL consortium and 50.62% for the BirlaTata AT&T combine.

Says Mr Ratan Tata, Chairman, Tata Industries, "BPL Communications Ltd and Birla-Tata-AT&T are two strong entities in cellular telephony in the country. Coming together, the newcombine will constitute an even stronger force, with a large subscriber base and a largefootprint. I am confident that this new enterprise will grow further and will provide theIndian consumer with quality service in the years to come".

Says Mr Kumar Mangalam Birla, Chairman, The Aditya Birla Group "We are indeeddelighted that our original investment has today evolved into the largest cellular force in thecountry. This merger accords the benefits of scale to take consumer service to a new high. Iam confident that this JV will develop into one of the premier institutions of the 21stcentury".

Says Mr Rajeev Chandrasekahar, Chairman , BPL Communicaitons, "We are pleased to partner with the Birlas, Tata and AT&T along with our existing relationship with FranceTelecom, and I am convinced that this partnership and this combine will soon establish itselfas the definitive telecom franchise in the country".

Mr Jordan Roderick, Head of International Operations for AT&T Wireless Services said,"This merger combines the strengths of four organizations and will undeniably provideconsumers the best that wireless communications has to offer in India. AT&T Wireless iscommitted to working with our partners to build and operate quality wireless networks inIndia.


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Commenting on the merger, Mr Nimesh Kampani, Chairman, JM Morgan Stanley, theexclusive financial adviser to BPL who structured the merger for them, said, "The merger is

by far the largest domestic M&A transaction till date and clearly creates the largest wirelesstelecom company in India which will attract significant investor interest.. We are indeedhappy to have played a role in bringing the partners together in this transaction."

CORPORATE MANAGEMENT SERVICES DIVISIONCorporate Management Services Division (CMSD) works as an internal consultant, acatalyst to achieve commercial excellence across the Aditya Birla Group. Commercial areasinclude procurement, logistics and supply chain, finance and accounts, marketing, direct andindirect taxation and international trade.As a solution provider, the division focuses on creating value by realising Group synergy,introducing best practices and institutionalising systems. As a repository of knowledge,CMSD undertakes Group-wide Business Process Re-engineering (BPR) studies, knowledgedisseminating studies/initiatives and KIPs on vital commercial issues having significantimpact on businesses.

CMSD proactively tracks the latest national and international developments in importanteconomic and trade issues. Further, it tracks the latest trends and concepts in variouscommercial areas successfully adopted by global organisations for adopting these avant-garde processes in the Group's businesses.

In the near future, CMSD aspires to establish itself as a preferred solution provider incommercial areas. To realise the dream, CMSD is working on a world-class repository ofglobal best practices, consulting tools and frameworks with the help of a talented team.

FINANCIAL SERVICES, BRANDED APPAREL,TELECOM BUOY ADITYA BIRLA NUVOKrishna MerchantLive MintMay 29, 2013Aditya Birla Nuvo Ltd reported growth in profitability for the fourth consecutive quarter onthe back of robust growth in the financial services business, which offset poor performancein the insurance and agricultural business.


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Aditya Birla Nuvos consolidated revenue grew 17% from a year ago to Rs.6,996 crore,

better than 10% growth in the December quarter. Net profit growth was slightly lower at17% from the previous quarter on account of the disappointing performance of the insurance

business.

Revenue for the insurance segment, which contributes around one fourth to the top lineslipped by 5% from a year ago to Rs.1,637 crore, while EBIT (earnings before interest andtax) plunged at a faster clip of 31% to Rs.89 crore.

Sushil Agarwal, chief financial officer of Aditya Birla Nuvo, said, Because of overall

growth slowdown, sales growth of financial products was affected. Also, the surrender rate in policy has been very high, which has led to higher provisioning and that has weighed on the profitability.

The insurance regulator has come out with new rules that require its approval for all productofferings, which will continue to affect sales in this segment.

Even fertilizers, which contribute 9% to the topline, saw 19% growth in revenue to Rs.615crore, but a 35% plunge in EBIT because of higher prices for the farm input, weak demandand delays in subsidy payment.

Strong revenue growth of 46% from a year ago was seen in the garments and apparel business buoyed by the Pantaloons acquisition, with around marginal 4% growth in EBIT.

Other financial services business performed well sales grew 49% from a year ago toRs.399 crore, with 62% growth in the EBIT led by strong growth in the non-bankingfinancial company (NBFC) and asset-management businesses. The telecom business alsoshowed decent growth of around 25% at the EBIT level.

The companys debt has risen around 30% and interest costs have also jumped 68% from a

year ago because of the Pantaloon acquisition. Aditya Birla Nuvo has outperformed the S&PBSE 200 index in the past year and is trading at 9.46X one year forward multiple.

It may continue to do well as long as subsidy payments kick in, the laggard carbon black business is separated and the insurance business takes wing.


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Investment Options Available in theFinance Market

Mutual Funds Bond/IPOs

Insurance

Fixed Deposits

Govt. Securities

Real Estate Commodities


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Mutual Funds

An investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similarassets. Mutual funds are operated by money managers, who invest the fund's capital and attemptto produce capital gains and income for the fund's investors. A mutual fund's portfolio isstructured and maintained to match the investment objectives stated in its prospectus.

Bond/IPOs

Grouped under the general category called fixed-income securities, the term bond is commonly

used to refer to any securities that are founded on debt. When you purchase a bond, you arelending out your money to a company or government. In return, they agree to give you intereston your money and eventually pay you back the amount you lent out.

The main attraction of bonds is their relative safety. If you are buying bonds from a stablegovernment, your investment is virtually guaranteed, or risk-free. The safety and stability,however, come at a cost. Because there is little risk, there is little potential return. As a result, the


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Real Estate

This is again for the long term with a high risk and very low liquidity factor. Liquidity is definedas the ease with which you could sell your investment for cash quickly. Investing in property can

be done by :

1. Buying apartments and plots in either residential or commercial areas2. Or buying Real Estate Mutual Funds.

Commodities

A commodity market is a market that trades in primary rather than manufactured products. Softcommodities are agricultural products such as wheat, coffee, cocoa and sugar. Hard commoditiesare mined, such as (gold, rubber and oil). Investors access about 50 major commodity marketsworldwide with purely financial transactions increasingly outnumbering physical trades in whichgoods are delivered. Futures contracts are the oldest way of investing in commodities. Futures

are secured by physical assets.Commodity markets can include physical trading and derivativestrading using spot prices, forwards, futures, and options on futures. Farmers have used a simpleform of derivative trading in the commodity market for centuries for price risk management.

A financial derivative is a financial instrument whose value is derived from a commodity termedan underlier. Derivatives are either exchange-traded or over-the-counter (OTC). An increasingnumber of derivatives are traded via clearing houses some with Central Counterparty Clearing,


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which provide clearing and settlement services on a futures exchange, as well as off-exchange inthe OTC market.

Derivatives such as futures contracts, Swaps (1970s-), Exchange-traded Commodities (ETC)(2003-), forward contracts have become the primary trading instruments in commodity markets.Futures are traded on regulated commodities exchanges. Over-the-counter (OTC) contracts are"privately negotiated bilateral contracts entered into between the contracting parties directly".

Exchange-traded funds (ETFs) began to feature commodities in 2003. Gold ETFs are based on"electronic gold" that does not entail the ownership of physical bullion, with its added costs ofinsurance and storage in repositories such as the London bullion market. According to the WorldGold Council, ETFs allow investors to be exposed to the gold market without the risk of pricevolatility associated with gold as a physical commodity


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Objectives of the Project To understand all about different investment avenues available in India.

To find out how the investors get information about the various financial instrument

To find out how the investor wants to invest i.e. on his own or through a broker.

To find out the saving habits of the different customers and the amount they invest invarious financial instruments.

In which type of financial instrument they like to invest.

How long they prefer to keep their money invested.

What is the return that they expect from the investment?

What are the various factors that they consider before investing?

To find out the risk profile of the investor.

To give a recommendation to the investors that where they should invest.

To give a suggestion to the company where its funds lack in the market & how it should be rectified.

After all as a management trainee I will try to get some valuable knowledge from myseniors in the organization as well as from my faculty guide which will help me in thefuture.

To evaluate the consumer attitude towards saving and decision making regardinginvestments.


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Limitations of the Study Total number of financial instrument in the market is so large that it needs a lot of

resources to analyze them all. There are various companies providing these financialinstruments to the public. Handling and analyzing such a varied and diversified dataneeds a lot of time and resources.

As the project is based on secondary data, possibility of unauthorized information cannot be avoided.

Reluctance of the people to provide complete information about them can affect thevalidity of responses.

Due to time and cost constraint study will be conducted in only selected area of indore.

The lack of knowledge in customers about the financial instruments can be a majorlimitation.


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Suggestions

Return on Investment is must but the risk also should be minimizing at the same time.

No one loves to lose his hard earned money therefore it should be invested in safer place.

Services are must for them and therefore the company must also concentrate on thisaspect.

Good advisory services, secrecy of the data given to the company as well as every peoplemust treated as they all are equal i.e. no biasness.

Charges of the services provided to them should be reasonable and viable.


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Conclusions

Grasim has enough number of branches all over India and therefore it is a greatadvantage for the company and the company also planning to expand its network.

Grasim also provides the facility of trading in almost all the exchanges and thereforewhatever the customer demands the company has in its package.

The company also has a very good research team at its Head Office and this is meant forthe better working as well as for the customer of Indira only.

The company also has the advantage of the existing customers where their level of faithand their view about the company to the outside world will be a helping hand for thecompany to expand its business.


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References

The Economic Times. Business Today.

www.equitymaster.com

www.mutualfundIndia.com

Indiratrade.com

www.moneycontrol.com www.adityabirla .com
http://www.mutualfundindia.com/http://www.mutualfundindia.com/


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INVESTMENT STRATEGIES TO GROW YOUR ASSETS

Regardless of how much money one has, it seems that everyone wants even greater wealth.One way to accomplish this is through investment strategies to grow your assets. While thereare many strategies that lead to asset growth, all of these strategies arereally dependent onthree things:

1. How much money one invests. Clearly, the more money you invest, the more likely youare to attain a significant level of assets. Are you investing all that you can? 2

2. . The achieved growth rate on that money. The difference between earning 12% versus8% over an extended period of time is significant. Can you deal with the risk thatcomes with higher returns? Are you willing to educate yourself to the necessary level toearn higher returns?

3. 3. The length of time of the investment. Time plays a huge role in asset growth. On theaverage, your assets will double on their own approximately every 6-7 years withaggressive investment strategies.


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The real challenge to building wealth has little to do with understanding principles,butrather lies with a long-term and consistent application of those principles. Thisis thereason so few people are able to build significant wealth. Knowledge that isnot appliedconsistently has no practical value.

So, the good news is that there are really only two steps togrowing your assets: 1. Make

investing rules for yourself. Take advantage of the above principles to make rules foryourself about how much you can invest, getting a good rate of return, and time. 2.Consistently abide by those rules. Its like losing weight. If you eat less and move more,then you will lose weight. Everyone knows this, but how many overweight people doyou see every day? Consistency is critical for success.Investment Strategies Guide Tipson managing your personal financeshttp://investmentstrategiesguide.com

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