Presented By :-Harsh Barot

Flow..

Introduction. PESTEL Analysis. Competitor Analysis.

o Number of Player.o Market share of various brand.

Marketing mix 7 P’S. Financial Performance. SWOT.

“money is a great master but an excellent servant”

Mr.P.T. Barnum

What Is Financial Services ?

Ministry Of Finance

Mr.Arun Jetly

Regulators

Mr. Urjit Patel RBI Governor

UK sinha SEBI chairmen

TS vijayan IRDA Chairmen

PFRDA FMC

Ministry of Consumer Affairs

RBI SEBI IRDA

Pensions CommoditiesCommercial and

Cooperative Banks

Financial Institutions

NBFCs

Mutual Funds

Other Capital Market Entities

Life Insurance

Non-Life Insurance

Ministry of Finance,

Govt. of India

The Indian Financial System

Stability of GovernmentFDI FII

Jan Dhan YojanaGlobal Influences

Monetary PolicyInflation rates Interest Rate

Technology Adoptions Population Financial Inclusion

Micro FinanceFinancial Literacy

Payment Banks Mobile banking : know about what new services

are available. Internet banking: efficiency and speed in

delivering services ATM :  Bank Performance,  Customer

Satisfaction  Credit card : facility has encouraged an era of

cashless society.

Taxation Policy Mandatory's For MF FDI Limits FII

GDP Growth Increase Lending and Borrowing Capacity Requirement of internet 

“Companies Introduction”

L & T FINANCE

Founded November 1994 L&T Finance is headquartered in

Mumbai, and have a presence in “23” states in India

CEO Mr. Dinanath Dabhashi

Birla Sun Life Mutual Fund

Founded in 23 December,1994 Birla Sun Life Mutual Fund, is a joint

venture between the Aditya Birla Group and the Sun Life Financial Services Inc. of Canada

CEO Mr. A. Balasubramanian

Capital First Ltd

 Capital First was founded in its current form in 2012

CEO Mr. V. Vaidyanathan Capital First has financed over 2.25

million customers including more than 1.5 million self-employed individuals

The company has its registered office located in Maharashtra

NUMBER OF PLAYERCompany name Market capitalization

HDFC 1,38,496 CR

Power finance corporation ltd. 35,033 CR

LIC Housing finance ltd. 26,229 CR

Shriram transport finance company (STFC) 20,698 CR

L & T Finance 15,548 CR

Muthoot finance 11,508 CR

Infrastructure development finance company (IDFC) 9,080 CR

Capital First 5,171 CR

Industrial finance corporation of India (IFCI) 3,756 CR

MARKET SHARE OF VARIOUS BRAND’S

57%

10%

8%

7%

6%

5%3%2%2%1%

Market shareHDFC

Bajaj Fin serve

LIC Housing finance ltd.

Power finance corporation ltd.

Rural electrification corporation ltd.

Shriram transport finance company (STFC)

L & T Finance

Muthoot finance

Infrastructure development finance company (IDFC)

Industrial finance corporation of India (IFCI)

COMPANY NAME

CAPITAL FIRST L & T FINANCE BIRLA SUN LIFE MUTUAL FUND

PRODUCT

-- Personal Loan-- Two

Wheelers Loan-- Business

Loan-- Durable

Loan-- Insurance

-- Home Loan-- Personal

Vehical Loan..

-- Business & Corporate

Loan..-- Rural Loan

Microfinance….

-- Birla Sun Life

Frontline Equity

Fund…-- Birla Sun

Life Top 100 Fund….-- B.S.L .

Dividend FundPRICE Regulated by

RBI,Regulated by

RBIRegulated by

SEBI,

PLACE (HQ) Mumbai..India..

-- More than 200

Branch across the India…..

(HQ) Mumbai..India..

-- 23 State In India…

(HQ) Mumbai..India..

COMPANY NAME

CAPITAL FIRST L & T FINANCE

BIRLA SUN LIFE MUTUAL FUND

PROMOTION

-- Social media,

-- Business magazines, --

Television, -- sponsorship

-- Media, website:

www.capitalfirst.com

-- Social media,

-- Business magazines, --

Television, -- sponsorship

-- Media,-- Website…

www.ltfinance.com

-- Social media,

-- Business magazines, --

Television, -- Media,

-- Website…www.mutualfund.birlasunlife.com

APPS:- ACTIVE -ACCOUNT

PHYSICAL EVIDENCE

-- Identity card,

-- logo -- uniform

-- Stationery-- Receipt.

-- Identity card,

-- logo -- uniform

-- Stationery-- Receipt.

-- Identity card,

-- logo -- uniform -- Receipt.

PROCESSDocumentatio

n,

Documentation

-- Documentatio

n, -- DE mate account,

PEOPLE Employee 5000

Employee 4000

Employee 3500

Current ratio

=

It indicates the financial Strength of a firmMeasure the Short term solvency of the company

Current ratio

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160

1

2

3

4

5

6

2.52

3.63 3.474.46

5.68

BIRLA SUNLIFE

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160

0.20.40.60.8

11.21.41.61.8

2

1.39

1.05 1

1.861.6

L & T FINANCE

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160

0.20.40.60.8

11.21.41.61.8

1.21

1.581.47

0.87000000000

0001

1.06

CAPITAL FIRST

Debt Equity Ratio

• Debt/Equity Ratio is a debt ratio used to measure a company's financial leverage, calculated by dividing a company’s total liabilities by its stockholders' equity

=

Debt Equity Ratio

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160123456789

10

5 6.07 5.94 6.37

8.71

BIRLA SUNLIFE

Jan-13 Jan-14 Jan-15 Jan-160

0.1

0.2

0.3

0.4

0.5

0.6

0.420.47

0.540.47

L & T FINANCE

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160

1

2

3

4

5

6

7

4.785.89

6.2

3.84

5.21

CAPITAL FIRST

Profit Margin

• Ratio measures the efficiency of the company’s operations and compared with the prev. years.

• The profit margin ratio, also called the return on sales ratio.

= *100

Profit Margin

Jan-12 Jan-13 Jan-14 Jan-15 Jan-1665

70

75

80

85

90

95

76.77

76.06

89.04

87.72

90.73

L & T FINANCE

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160

102030405060708090

100

89.46 81.68

55.28

82.13 86.05

CAPITAL FIRST

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160

5

10

15

20

25

3027.5

22.02 21.6121.99

28.24

BIRLA SUNLIFE

=

A high EPS means better capital productivityWhich measure the net profit earn per share

Earning per share(EPS)

Earning per share(EPS)

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160

20

40

60

80

100

120

140

42.59 48.5

58.6970.19

116.39BIRLA SUNLIFE

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160

0.5

1

1.5

2

2.5

0.6500000000000

02

11.5

1.691.99

L & T FINANCE

Jan-12 Jan-13 Jan-14 Jan-15 Jan-1602468

101214161820

14.29

9.91

4.51

12.31

17.2

CAPITAL FIRST

Return on Equity (ROE)

= Net income/Shareholder’s Equity

The return on equity ratio or ROE is a profitability ratio that measures the ability of a firm to generate profits from its shareholders investments in the company.

Return on Equity (ROE)

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160

2

4

6

8

10

12

14

4.69

4.855.86

7.0111.63

BIRLA SUNLIFE

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160

0.020.040.060.08

0.10.120.140.160.18

0.2

0.04

0.18

0.11

0.150.18

L & T FINANCE

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160

0.2

0.4

0.6

0.8

1

1.2

1.4

1.6

1.8

1.42

0.99

0.45

1.23

1.71

CAPITAL FIRST

=MARKET VALUE PER SHARE/EARNINGS PER SHARE (EPS)

Price Earning Ratio

The PE Ratio is the measure of the share price relative to the annual net income earned by the firm per share

P E Ratio

Jan-12 Jan-13 Jan-14 Jan-15 Jan-1605

101520253035404550

44.45

11.36

29.3123.42

18.12

L & T Finance

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160

5

10

15

20

25

30

8.83 12.75

26.60

12.55

10.56

CAPITAL FIRST

Jan-12 Jan-13 Jan-14 Jan-15 Jan-160

0.2

0.4

0.6

0.8

1

1.2

1.4

1.6

1.21 1.22

1.03

1.47

0.76

Birla Sunlife

L & T FINANCE

SWOT

Capital First Pvt. LtdWEAKNESS- High loan rates are possible- Taxes

OPPORTUNITY- Global markets- Income level is at a constant increase- New products and services

THREAT- Technological problems- Increasing costs

SWOT

Birla Sun Life Mutual Fund

OPPORTUNITY- Growing potential in the Rural Market -Alignment with Government Schemes- Better awareness amongst people for getting insurance

THREAT- Economic crisis and economic instability- Entry of new NBFCs in the sector

SWOT