People Awareness Regarding BAJAJ CAPITAL LIMITED Their Investment Pattern

8/18/2019 People Awareness Regarding BAJAJ CAPITAL LIMITED Their Investment Pattern

1/38

Survey On

Awareness Of BAJAJ CAPITAL LIMITED &Investment Pattern Of People Of Varanasi

City.

FOR PARTIAL FULLFILLMENT OFPGDM

UNDER THECOMPILED BY:SUPERVISION OF:NAME

SR. Prof. PGDM!

0


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Co""#$e N#%e

TABLE O CO!TE!T"

Acknowledgement --------------------------------2

Declaration -------------------------------------3

Preface ----------------------------------------4

Research Objectives ------------------------------5

Research ethodolog! and Design -------------------"

#ntrod$ction ------------------------------------%

Data Anal!sis and #nter&retation -------------------5'

(indings ---------------------------------------'2

)oncl$sions -------------------------------------'5

*imitations -------------------------------------''

+$ggestions ------------------------------------'%

,ibliogra&h! ------------------------------------'

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Anne.$re --------------------------------------%/

AC&NO'LEDGEMENT AC&NO'LEDGEMENT

0o gain witho$t &ains is a common sa!ing1 ratit$de is the hardest

of emotion to e.&ress and often does not find ade$ate words to

conve!1 herefore a +$rve! Project Re&ort is not an effort of a

single &erson b$t it is a contrib$tor! effort of man! hands andbrains1 +o # wo$ld like to thanks all those who have hel&ed me

directl! or indirectl! d$ring m! +$rve! Project1

6ith an ineffable sense of gratit$de # take this

o&&ort$nit! to e.&ress m! dee& sense of indebtness to

for allowing me to carr! o$t this s$rve! work1

# am also thankf$l to 777777name of $r metor

8both of collage 9 bajaj ca&ital:77777 for his keen interestconstr$ctive criticism &ersistent enco$ragement and $ntiring

g$idance thro$gho$t the develo&ment of the &roject1 #t has been m!

great &rivilege to work $nder his ins&iring and &rovoking g$idance.

# wo$ld like to thank all m! teachers

staff members and *ibrar! members for their val$able advice and

g$idance which hel& me to make this re&ort effective interesting

and &$r&osef$l1

# A also thankf$l to the cons$mers for being

a so$rce of information in &roviding me the correct and the fact

data1

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DECLARATION------------------------------------------------------------------------------------------------------------

# hereb! declare that the information &resented

here is correct to the best of m! knowledge1 Also the

re&ort &resented has not been &$blished an!where.

Pla#e $ DATE :

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P%EACE------------------------------------------------------------------------------------------------------------

#t is great hono$r to work on the &roject assigned to me

and to &re&are a re&ort on this1

#n the &resented re&ort the introd$ction of ,A;A;)AP#A* which is a well known and a leading ,roker

com&an! dealing with #ns$rance Policies $t$al ($nd

De&osits etc of )om&anies is given in detail which will hel&

the reader to make a clear fig$re of it in mind1

he to&ic assigned to me was a ver! challenging one and

after a hard work in collecting the data 9 anal!sis # havereached to the concl$sion which is ver! clearl! shown in the

re&ort &resented1

#t was not an eas! job to work on it and this was &ossible

onl! with the great hel& and g$idance of m! mentor 7777r1

name of $r mentor 77777777who g$ided me to the right &ath

in each and ever! &roblem came in front1


6/38

#t is re$est to the res&ected readers to give their views

and s$ggestions regarding this &roject and will be hono$red

which will definitel! hel& me on m! ne.t task1

hanking !o$1

%E"EA%C OBJECTIVE"------------------------------------------------------------------------------------------------------------

he s$rve! was cond$cted with following objectives=-

o know awareness of #nvestors in >aranasi )it! regarding,ajaj )a&ital1

o know awareness of #nvestors in >aranasi )it! regarding

Prod$cts 9 +ervices Provided b! ,ajaj )a&ital1

o know the satisfaction level of c$stomers of ,ajaj )a&ital

regarding 0o8s: 9 *ocations of its ,ranches in >aranasi )it! 9

the formalities re$ired b! ,ajaj )a&ital (or selling a (inancialProd$ct1

o know the c$stomers? +atisfaction regarding )harges a&&lied

b! ,ajaj )a&ital 9 )$stomer )are +ervices &rovided b! ,ajaj

)a&ital1

o know the c$stomers? Overall +atisfaction Regarding ,ajaj

)a&ital1

o know the investors investment &attern in different

#nvestment O&tions available in the market1

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o know the Objective of #nvestors behind their investment 9

Parameters which the! consider before investment1

o know the #nvestment Pattern of #nvestors in >aranasi )it!8heir ann$al #nvestment amo$nt 9 #nvestment Period:1

RESEACH METHODOLOGY

+ignificance of st$d! = - he st$d! signifies a s$rve! onAwareness Of ,A;A; )AP#A* *##@D 9 #nvestment Pattern of

Peo&le of >aranasi )it!1

+AP*@ 0#4=- #nvestors residing in >aranasi )it!1

+am&le +iBe= - he sam&le siBe taken to cond$ct the s$rve! wasC// in n$mbers1

+election of st$d! area= - he s$rve! has been carried o$t in>aranasi )it!1

Data )ollection ethod= - he collected data is &rimar! innat$re1 i1e1 the first hand data as there is a better sco&e of

getting re$ired information and also it is in the form that we want1

(or the &$r&ose of collecting data $estionnaire method was

ado&ted1

C1 )losed @nded E$estions

Dichotomo$s E$estions

$lti&le )hoice E$estion

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21 O&en - @nded E$estion

+am&ling 4echni3$e= - +ince the siBe of the $niverse is $itelarge so relativel! small gro$& of individ$als from the $niverse is

selected which is also good eno$gh to re&resent the entire $niverse1#n m! s$rve! re&ort # followed the non-&robabilistic

)O0>@0#@0)@ +am&ling 9 +#P*@ RA0DO +am&ling as the

selection was done according to the researcher convenience and

each and ever! element of $niverse was not given e$al chance of

being selected in sam&le1

eas$rement 9 +caling 4echni3$es +am&ling= - # have $sed+$mmated +cales 8or *ikertt!&e scales: for knowing the satisfaction

level of cons$mers1

Research Design= - o know abo$t the &resent condition andstat$s regarding &artic$lar item or gro$& of items descri&tive

research is cond$cted1 he descri&tive research is descri&tion of the

state of affairs as it e.ists at &resent1

As the res$lt we were re$ired in anal!tical form1 he s$rve! was

cond$cted $sing $estionnaire method1 ,! $sing this method we fo$nd

the &resent sit$ation and the findings and its anal!sis is described in

the f$rther &arts1

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I!T%OD'CTIO!

HERE YOU HAVE TO GIVE DETAILED INFORMATINS ABOUT BABAJ CAPITAL FROM ITSWEBSITE..

REPORT ME JAHA-JAHA ************ HE WAHA APANE HISAB SE CHANGES KAR LENA AUR PURA

RAPORT PAD KE DEKH LENA KI SAB OK HE YA KAHI, JESE SPELIG MISTAKES HE YA NAHI.

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10/38

1) Do you know about Bajaj Capital?

Yes No

INTERPRETATION:

'4F Res&ondents o$t of C// Res&ondents know abo$t ,ajaj )a&ital1 #t means

that most of the res&ondents are aware of ,ajaj )a&ital1

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a) If yes, how do you come to know about Bajaj Capital?

News Paper Banners MagazinesTelevision t!ers " #a$io% C&s et'()

INTERPRETATION:

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12/38

ost of the res&ondents know abo$t ,ajaj )a&ital thro$gh 0ews Pa&er (ollowed

b! elevision 9 ,anners1

2) Which o t!e ollowing Pro$u'ts provi$e$ by Bajaj Capitalyou are aware o?

Co*pany +i,e$ Deposit Co*pany Bon$ Life Insuance !oducts -eneral .nsuran'e !ension "chemes Mutual +un$s

!ost #ffice $eposits Ta, /aving /'!e*es .nitial Publi' ers

INTERPRETATION:

#n investors awareness regarding &rod$cts &rovided b! ,ajaj )a&ital *ife

#ns$rance Prod$cts stands at Cst &osition followed b! $t$al ($nds )om&anies

(i.ed De&osit 9 eneral #ns$rance1 )om&anies ,onds 9 a. +aving +chemes

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stand jointl! at 5th &osition1 Pension +chemes #PO8s: 9 Post office de&osits

stands at 'th %th 9 th &osition res&ectivel!1

0ote= Res&onses of '4 Res&ondents 8those who know abo$t ,ajaj )a&ital: have

been considered for the above E$estion1

%) Which o t!e ollowing /ervi'es provi$e$ by Bajaj Capital you areaware o?

+inan'ial Planning Portolio Manage*ent Insta alet "e&ices +ree Money Multiplying Magazine to 'lient

INTERPRETATION:

ost of the res&ondents know abo$t the G(inancial PlanningH +ervices Provided

b! ,ajaj )a&ital (ollowed b! +ervices *ike Portfolio anagement #ntra Alert

services 9 (ree (inancial agaBine1

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0ote= Res&onses of '4 Res&ondents 8those who know abo$t ,ajaj )a&ital: have

been considered for the above E$estion1

') $o you (now whee the Banch of Bajaj Capital is located in

aanasi City?

Yes No

Yes No0 12

INTERPRETATION:

"/ 8%CF: Res&ondents o$t '4 Res&ondents 8who know abo$t ,ajaj )a&ital: know

abo$t the location of the branch of ,ajaj )a&ital in >aranasi )it!1 +o it can be

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said that most of the res&ondents know abo$t the location of the ,ranches of

,ajaj )a&ital in >aranasi )it!1

0ote= Res&onses of '4 Res&ondents 8those who know abo$t ,ajaj )a&ital: hasbeen considered for the above E$estion1

3) 4ave you .nveste$ t!roug! Bajaj Capital?

Yes No

#&eall In&estos

Included in "u&ey

*espondents who (now

about Bajaj Capital

*espondents who know

about the location+s) of

Banches of Bajaj

Capital in aanasi

otal .. /' 0.

*espondents who ha&e

in&ested thou1h Bajaj

Capital

2' 2' 2'

!ecenta1e of

*espondents, in&ested

thou1h Bajaj Capital

2' %2 '.

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INTERPRETATION:

Onl! 4/F Res&ondents o$t of "/ Res&ondents who know the location of branchof ,ajaj )a&ital in >aranasi have invested thro$gh ,ajaj )a&ital1 #t shows that

,ajaj )a&ital needs to strengthen its c$stomers ,ase1

a) 4ow $o you rate t!e or*alities ulille$ by you w!ile investingt!roug! Bajaj Capital?

3i1hly $issatisfactoy $issatisfactoy 4ai /atisfactoy 4ig!ly /atisfactoy

INTERPRETATION:

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2/ 8%3F: Res&ondents o$t of 24 Res&ondents are satisfied with the formalities

re$irement of ,ajaj )a&ital1 +o it can be said that ost of the res&ondents

are satisfied with the formalities re$irement of ,ajaj )a&ital for +elling a

(inancial Prod$ct1

b) 3ow do you ate the 5o+s) 6 Location+s) of Banches of Bajaj

Capital in aanasi?


INTERPRETATION:

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Onl! 83'F: Res&ondents o$t of 24 are satisfied with the 0o8s: 9 location8s:

of ,ranches of ,ajaj )a&ital in >aranasi )it! 9 remaining C5 Res&ondents are

not satisfied with it1 #t means that ,ajaj )a&ital needs to increase the 0$mber

of its branches in >aranasi )it!1

') 4ow $o you rate t!e C!arges applie$ by Bajaj Capital wit!respe't to its servi'es?


INTERPRETATION:

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C5 8"2F: Res&ondents o$t of 24 have said that )harges a&&lied b! ,ajaj )a&ital

against their +ervices are nominal whereas Res&ondents are dissatisfied with

the )harges a&&lied b! ,ajaj )a&ital1 +o it can be said that )harges a&&lied b!

,ajaj )a&ital are (air as its &eo&le general tendenc! that the! don?t like to &a!

charges1

d) 3ow do you ate the Custome Cae se&ices !o&ided by BajajCapital?


INTERPRETATION:

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C 8'F: o$t of Res&ondents o$t of 24 Res&ondents are +atisfied with the

)$stomer )are +ervices of ,ajaj )a&ital1 Onl! 5 Res&ondents O$t of 24

Res&ondents are dissatisfied with the )$stomer )are +ervices of ,ajaj )a&ital1

+o it can be said that most of the Res&ondents are satisfied with the +ervices

&rovided b! )$stomer )are nit of ,ajaj )a&ital1

e) What is you #&eall "atisfaction *e1adin1 Bajaj Capital?


INTERPRETATION:

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%3F Res&ondents 82/ o$t of 24 Res&ondents: are +atisfied with the over all

services 9 &erformance of ,ajaj )a&ital1 Onl! C'F are dissatisfied with ,ajaj

)a&ital1

0) Whee you ha&e in&ested you 7oney?

7utual 4unds 4i8ed $eposit "tock 7aket 5ie .nsuran'e &ny t!er666

INTERPRETATION:

ost of the Res&ondents have invested their mone! in *ife #ns$rance followed

b! fi.ed de&osit 9 $t$al ($nd1 Onl! C% F Res&ondents


22/38

shows that ost of the #nvestors in >aranasi )it! are Risk Averse not Risk

akers1

/) !lease *ank the followin1 paametes which you conside befoe in&estin1?

a8 "a&in1 Life Co&e Li9uidity #eturn Low *isk

INTERPRETATION:

ost of the Res&ondents consider G*ife )overH ,efore investment (ollowed b!

GRet$rnH1 Parameters like G*ow RiskH Ga. +avingH 9 G*i$idit!H +tands at 3rd

4th 9 5th &ositions regarding investors? consideration before #nvestment1 #t again

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shows that most of the investors in >aranasi )it! are Risk Averse not Risk

takers1

5#:; In the analysis of abo&e 9uestion I ha&e 1i&en points to the *ankin1 !ositions as 4ollowin1;-

*ank < . points *ank 2< = points *ank %< 0 points *ank '< ' points *ank >< 2 points

=) What ae you #bjecti&e+s) behind you In&estment?

+!lease ick)

a8 "a&in1 4utue !o&ision Life Co&e Li9uidity #eturn &ny t!er666

INTERPRETATION:

ost of the Res&ondents have said that Glife )overH is their Prime Objective

behind their #nvestment followed b! GRet$rnsH 9 G($t$re ProvisionsH1 Ga.

+avingH G*i$idit!H 9 GOther ObjectivesH +tands at 4th 5th 9 "th &ositions

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res&ectivel!1 #t again shows that most of the investors in >aranasi )it! are Risk

Averse not Risk takers1

7) 4ow you !ave investe$?

T!roug! &gents hou1h d&isoy Companies By @ouself

INTERPRETATION:

3%F of Res&ondents have invested thro$gh Agents 8basicall! #ns$rance Agents:

while 32F have invested b! themselves 8basicall! invested in stock market 9 in

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fi.ed De&osits:1 Onl! 3/F Res&ondents have #nvested thro$gh Advisor!

)om&anies1

1) 8!at a*ount $o you invest annually?

Less han 2>,... 2>,... ->.,... >.,...-,..,... ,..,...-,>.,... 7oe han ,>.,...

INTERPRETATION:

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52F Res&ondents invest less than 25/// ann$all! followed b! 2 F Res&ondents

who invest within the range of 25///-5////1Onl! CF Res&ondents $se to

invest more than 5//// ann$all!1 his shows that most of the investors in

>aranasi )it! are +mall #nvestors1

) 4o what time peiod you in&est?

Less than 0 7onths 0 7onths- @ea -> yeas >-. yeas 7oe than . yeas

INTERPRETATION:

3%F Res&ondents have invested their mone! for C-5 Iears followed b! 24F

Res&ondents who have invested their mone! for 5-C/ !ears1 hese investors

have invested their mone! basicall! in *ife #ns$rance 8*#P Prod$cts: 9 fi.ed

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De&osits1 2/F Res&ondents have invested their mone! for less than C !ear1

hese investors have invested their mone! basicall! in +tock market1 Onl! C%F

Res&ondents have invested their mone! for more than C/ !ears1 hese investors

have invested their mone! basicall! in *ife #ns$rance 8raditional Prod$cts: 9

Real @state1#t shows that most of the investors in >aranasi )it! are edi$m erm 9 *ong

erm #nvestors1

A!AL("I" O TE I!DI!)"

'4F Res&ondents o$t of C// Res&ondents know abo$t ,ajaj )a&ital1 #t

means that most of the res&ondents are aware of ,ajaj )a&ital1

ost of the res&ondents know abo$t ,ajaj )a&ital thro$gh 0ews Pa&er

(ollowed b! elevision 9 ,anners1

#n investors awareness regarding &rod$cts &rovided b! ,ajaj )a&ital *ife

#ns$rance Prod$cts stands at Cst &osition followed b! $t$al ($nds

)om&anies (i.ed De&osit 9 eneral #ns$rance1 )om&anies ,onds 9 a.

+aving +chemes stand jointl! at 5th &osition1 Pension +chemes #PO8s: 9

Post office de&osits stands at 'th %th 9 th &osition res&ectivel!1

ost of the res&ondents know abo$t the G(inancial PlanningH +ervices

Provided b! ,ajaj )a&ital (ollowed b! +ervices *ike Portfolio

anagement #ntra Alert services 9 (ree (inancial agaBine1

"/ 8%CF: Res&ondents o$t '4 Res&ondents 8who know abo$t ,ajaj )a&ital:

know abo$t the location of the branch of ,ajaj )a&ital in >aranasi )it!1

+o it can be said that most of the res&ondents know abo$t the location of

the ,ranches of ,ajaj )a&ital in >aranasi )it!1

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Onl! 4/F Res&ondents o$t of "/ Res&ondents who know the location of

branch of ,ajaj )a&ital in >aranasi have invested thro$gh ,ajaj )a&ital1

#t shows that ,ajaj )a&ital needs to strengthen its c$stomers ,ase1

2/ 8%3F: Res&ondents o$t of 24 Res&ondents are satisfied with the

formalities re$irement of ,ajaj )a&ital1 +o it can be said that ost of

the res&ondents are satisfied with the formalities re$irement of ,ajaj

)a&ital for +elling a (inancial Prod$ct1

Onl! 83'F: Res&ondents o$t of 24 are satisfied with the 0o8s: 9

location8s: of ,ranches of ,ajaj )a&ital in >aranasi )it! 9 remaining C5

Res&ondents are not satisfied with it1 #t means that ,ajaj )a&ital needs

to increase the 0$mber of its branches in >aranasi )it!1

C5 8"2F: Res&ondents o$t of 24 have said that )harges a&&lied b! ,ajaj

)a&ital against their +ervices are nominal whereas Res&ondents are

dissatisfied with the )harges a&&lied b! ,ajaj )a&ital1 +o it can be said

that )harges a&&lied b! ,ajaj )a&ital are (air as its &eo&le general

tendenc! that the! don?t like to &a! charges1

C 8'F: o$t of Res&ondents o$t of 24 Res&ondents are +atisfied with

the )$stomer )are +ervices of ,ajaj )a&ital1 Onl! 5 Res&ondents O$t of24 Res&ondents are dissatisfied with the )$stomer )are +ervices of ,ajaj

)a&ital1 +o it can be said that most of the Res&ondents are satisfied with

the +ervices &rovided b! )$stomer )are nit of ,ajaj )a&ital1

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%3F Res&ondents 82/ o$t of 24 Res&ondents: are +atisfied with the over

all services 9 &erformance of ,ajaj )a&ital1 Onl! C'F are dissatisfied

with ,ajaj )a&ital1

ost of the Res&ondents have invested their mone! in *ife #ns$rance

followed b! fi.ed de&osit 9 $t$al ($nd1 Onl! C% F Res&ondents aranasi )it!

are Risk Averse not Risk akers1

ost of the Res&ondents consider G*ife )overH ,efore investment (ollowed

b! GRet$rnH1 Parameters like G*ow RiskH Ga. +avingH 9 G*i$idit!H

+tands at 3rd 4th 9 5th &ositions regarding investors? consideration before#nvestment1 #t again shows that most of the investors in >aranasi )it!

are Risk Averse not Risk takers1

ost of the Res&ondents have said that Glife )overH is their Prime

Objective behind their #nvestment followed b! GRet$rnsH 9 G($t$re

ProvisionsH1 Ga. +avingH G*i$idit!H 9 GOther ObjectivesH +tands at 4th

5th 9 "th &ositions res&ectivel!1 #t again shows that most of the investors

in >aranasi )it! are Risk Averse not Risk takers1

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3%F of Res&ondents have invested thro$gh Agents 8basicall! #ns$rance

Agents: while 32F have invested b! themselves 8basicall! invested in stock

market 9 in fi.ed De&osits:1 Onl! 3/F Res&ondents have #nvested thro$gh

Advisor! )om&anies1

52F Res&ondents invest less than 25/// ann$all! followed b! 2 F

Res&ondents who invest within the range of 25///-5////1Onl! CF

Res&ondents $se to invest more than 5//// ann$all!1 his shows that

most of the investors in >aranasi )it! are +mall #nvestors1

3%F Res&ondents have invested their mone! for C-5 Iears followed b!24F Res&ondents who have invested their mone! for 5-C/ !ears1 hese

investors have invested their mone! basicall! in *ife #ns$rance 8*#P

Prod$cts: 9 fi.ed De&osits1 2/F Res&ondents have invested their mone!

for less than C !ear1 hese investors have invested their mone! basicall!

in +tock market1 Onl! C%F Res&ondents have invested their mone! for

more than C/ !ears1 hese investors have invested their mone! basicall!

in *ife #ns$rance 8raditional Prod$cts: 9 Real @state1#t shows that most

of the investors in >aranasi )it! are edi$m erm 9 *ong erm

#nvestors1

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CONCLUSION

"W# nalysis #4 BAA C!IL

******* dp moadify it if u think there can be some chages********

"*:53" W:(5:"":"

• ery !trong "rand #mage

• $o% &harges'

• (e)) diersification of products

+e,' $ife insurance products of

different companies- .utua)funds- deposits etc'/

• ery ood &ustomer &are nit'

• n)y ne branch in aranasi

&ity'

• (eak dertisement o)icies'

• ****************ie some

%eakness according to ur perception'

#!!#*5II:" 3*:"

• $arge ntapped .arket'

• pportunity to educate inestors

about their products inspire them

to inest more encourage others'

•

ood pportunity to &ash its "rand#mage and eop)e rust'

• resence of ery strong competitors

$ike *gie name+s/ of some

competitors name''**'

• ggressie marketing by competitors'

•

arious inestment !chemes %ith highreturns'

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32/38

CONCLUSION ost of the res&ondents are aware of ,ajaj )a&ital 9 the! know abo$t ,ajaj

)a&ital mainl! thro$gh 0ews Pa&er elevision 9 ,anners1 ost of them know

abo$t the location of the ,ranches of ,ajaj )a&ital in >aranasi )it!1

ost of the res&ondents are aware that ,ajaj )a&ital &rovides *ife #ns$rance

Prod$cts 9 $t$al ($nds1 (ew Res&ondents know that ,ajaj )a&ital &rovides

)om&anies (i.ed De&osit 9 eneral #ns$rance 9 >er! few #nvestors know that

,ajaj )a&ital also &rovides )om&anies ,onds a. +aving +chemes Pension

+chemes #PO8s: 9 Post office de&osits1

ost of the res&ondents know that ,ajaj )a&ital &rovides +ervices like (inancialPlanning 9 Portfolio anagement 9 ver! few are aware that it also &rovides

services like #ntra Alert services 9 (ree (inancial agaBine1 Onl! 4/F Res&ondents o$t of "/ Res&ondents who know the location of branch of

,ajaj )a&ital in >aranasi 824F of investors o$t of C// Res&ondents: have

invested thro$gh ,ajaj )a&ital1 ost of the res&ondents are satisfied with the

formalities re$irement of ,ajaj )a&ital 9 +ervices &rovided b! its )$stomer

)are nit1 +ome )$stomers are not satisfied with the charges a&&lied b! ,ajaj

)a&ital1 ost of the c$stomers are dissatisfied with the 0o8s: 9 locations of

,ranchJ,ranches of ,ajaj )a&ital1 %3F c$stomers of ,ajaj )a&ital are +atisfied

with the overall +ervices 9 &erformance of ,ajaj )a&ital1 ost of the Res&ondents have invested their mone! in *ife #ns$rance (i.ed

De&osits 9 $t$al ($nds1 Onl! C% F Res&ondents have invested in +tock arket1

he! consider mostl! *ife )over as a &arameters before investing followed b!

Ret$rn *ow Risk a. +aving 9 *i$idit!1 heir Prime Objective behind their

investment is life )over followed b! Ret$rns ($t$re Provisions a. +aving

*i$idit! 9 some Other Objectives1 his shows that ost of the #nvestors in

>aranasi )it! are Risk Averse not Risk akers1

3%F of Res&ondents have invested thro$gh Agents 32F have invested b!

themselves 9 3/F have #nvested thro$gh Advisor! )om&anies1 %CF investors $se

to invest less than 5//// ann$all!1 his shows that most of the investors in>aranasi )it! are +mall #nvestors1

3%F Res&ondents have invested their mone! for C-5 Iears followed b! 24F

Res&ondents who have invested their mone! for 5-C/ !ears1 C%F Res&ondents

have invested their mone! for more than C/ !ears 9 onl! 2/F Res&ondents have

invested their mone! for less than C !ear1 #t shows that most of the investors

in >aranasi )it! are edi$m erm 9 *ong erm #nvestors1

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LIMITATIO!" O TE "T'D(

C here are some small errors 8in decimals: beca$se of Ro$nding

Off1

2 he major diffic$lt! was of lang$age &roblem1 As the

$estionnaire was in @nglish so &eo&le were not interested infilling it1 # had to s&ell o$t the meaning of Kwhat is the $estion

abo$t?1

3 (ew &eo&le did not have the time to fill $& or answer the

E$estionnaire1

4 Peo&le were also not giving the e.act information like their

monthl! income age and s$ggestion etc1

5 (ew &eo&le were not res&onding as we e.&ect from them and the!

were reacting for the s$rve! is cond$cted for false &$r&ose1

" he! asked for some favor for filling the $estionnaire1

' As the time was less for cond$cting the s$rve! so the s$rve!

co$ld not be cond$cted in a large area1

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34/38

"'))E"TIO!"ood elationships ae pi&otal to business successD With this o1aniEational objecti&e BAAC!IL should ty to maintain a fine balance between hi1h le&el of custome satisfaction

and the 9uality of se&ice po&ided by them but it lacks in some senseD hese ae the

followin1 su11estions that should be taken cae of while up1adin1 the 9uality of se&ice by

which they can be able to penetate moe customesD

Suggestions and Recommendations:

1 " &#$ has ery good "rand #mage and peop)es faith +because of

"/' #t shou)d uti)ie it in a better %ay to capture more market' here is a

)arge untapped urban market in aranasi' hey shou)d take initiaties to capture

it'

2 .ost of the #nestors in aranasi &ity are !ma)) :isk erse #nestors they

genera))y inest for $ong term .edium $ong erm' !o " &#$

shou)d inc)ude more such roducts- %hich %i)) satisfy their needs in their

roduct )ine'

3 " &#$ rea))y needs to increase its ;umber of "ranches as it has on)y

ne branch in aranasi &ity'

4 " &#$ ;


35/38

BIBLIOGRAPHY

BOOKS:

*eseach 7ethodolo1y +7ethods and echni9ues) F CD *D (#3*I

7ethodolo1y of eseach in social sciences F (ishna swami

Chuchill 6 Bown, Basic 7aketin1 *eseach, homas !ublications

>th edition

"tatistical 7ethod - "D!D !

Websites :

GGGGG 1i&e the official website of BAA C!IL 6 some othe

financial website fom whee u will take the mateial fo intoduction

patGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG

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(UESTIONNAIRE

SUB)ECT: Awareness Of ,A;A; )AP#A* *##@D 9 #nvestmentPattern Of Peo&le Of >aranasi )it!1

Dear Sir/Madam,

I, student of PGDBM course of

conducting a field survey on people awareness regarding Bajaj Capital

imited ! t"eir Investment pattern in #aranasi City$

%"is survey is a part of my partial fulfillment of PGDBM

course$ Please provide relevant information &y filling t"e 'uestionnaire to

ma(e my survey more compre"ensive$ )ll details from your part will not &e

disclosed$ Do not leave any item$

PE%"O!AL DETAIL" *O%

CO!"'ME%"+$

!AME $ ,,,,,,,,,,,,,,,..

A)E $ ,,,,,,,,,,,,,,,..

ADD%E"" $ ,,,,,,,,,,,,,,,..

CO!TACT !O $ ,,,,,,,,,,,,,,

OCC'PATIO!$ ,,,,,,,,,,,,,,,,

"ALA%($ ,,,,,,,,,,,,,,,,.

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SIGNATURE. DATE:

1) Do you 9now about Bajaj Capital? Yes No

a) If yes, how do you come to know about Bajaj Capital?

News Paper Banners MagazinesTelevision t!ers " #a$io% C&s et'()

2) Which o t!e ollowing Pro$u'ts provi$e$ by Bajaj Capital you are aware o? Co*pany +i,e$ Deposit Co*pany Bon$ Life Insuance !oducts

-eneral .nsuran'e !ension "chemes Mutual +un$s!ost #ffice $eposits Ta, /aving /'!e*es .nitial Publi' ers

%) Which o t!e ollowing /ervi'es provi$e$ by Bajaj Capital you are aware o? +inan'ial Planning Portolio Manage*ent Insta alet "e&ices

+ree Money Multiplying Magazine to 'lient

') $o you (now whee the Banch of Bajaj Capital is located in aanasi City?

Yes No

3) 4ave you .nveste$ t!roug! Bajaj Capital? Yes No

a) 4ow $o you rate t!e or*alities ulille$ by you w!ile investing t!roug! Bajaj Capital? 3i1hly $issatisfactoy $issatisfactoy 4ai /atisfactoy 4ig!ly /atisfactoy

b) 3ow do you ate the 5o+s) 6 Locations of Banches of Bajaj Capital in aanasi?


') 4ow $o you rate t!e C!arges applie$ by Bajaj Capital wit! respe't to its servi'es? 3i1hly $issatisfactoy $issatisfactoy 4ai /atisfactoy 4ig!ly /atisfactoy

d) 3ow do you ate the Custome Cae se&ices !o&ided by Bajaj Capital?


e) What is you #&eall "atisfaction *e1adin1 Bajaj Capital?


0) Whee you ha&e in&ested you 7oney?

7utual 4unds 4i8ed $eposit "tock 7aket 5ie .nsuran'e &ny t!er666

/) !lease *ank the followin1 paametes which you conside befoe in&estin1?

a8 "a&in1 Life Co&e Li9uidity #eturn Low *isk

=) What ae you #bjecti&e+s) behind you In&estment? +!lease ick)

a8 "a&in1 4utue !o&ision Life Co&e Li9uidity #eturn &ny t!er666

7) 4ow you !ave investe$? T!roug! &gents hou1h d&isoy Companies By @ouself

1) 8!at a*ount $o you invest annually? Less han 2>,... 2>,... ->.,... >.,...-,..,... ,..,...-,>.,... 7oe han ,>.,...

) 4o what time peiod you in&est?

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Less than 0 7onths 0 7onths- @ea -> yeas >-. yeas 7oe than . yeas

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People Awareness Regarding BAJAJ CAPITAL LIMITED Their Investment Pattern

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