Reliance Money Project Final

8/2/2019 Reliance Money Project Final

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A TRAINING PROJECT REPORT

On Study of Demat Account of

A training project Report submitted in partial fulfillment of the requirements for

the award of the degree of

MASTER OF BUSINESS ADMINISTRATION

(INDUSTRY INTEGRATED)

TO

Punjab Technical University

Submitted To: - Submitted By: -

Asst. Prof Narender Mohsin Showkat

Project Guide BBA 3 rd SEM

Roll no. 76

CT Institute of Management and IT

JALANDHAR

(20010-2011)



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PREFACE

The successful completion of this project was a unique experience for me because by visiting

many place and interacting various person I achieved a better knowledge about sales. The

experience which I gained by doing this project was essential at this turning point of my

carrier this project is being submitted which content detailed analysis of the research under

taken by me.

The research provides an opportunity to the student to devote his/her skills knowledge and

competencies required during the technical session.

The research is on the topic “Study of demat account of Reliance Money”



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ACKNOWLEDGEMENT

For successful Completion of any task we need guidance and motivation at every

step. I am highly privileged to express my sincere gratitude to Miss Sakshi Vats(Relationship Manager of Reliance Money) and Miss Prabhjot Kaur (Faculty member) under

Whose Ingenious supervision I had done my project. I express my sincere thanks for their

valuable guidance. They made this experience of mine informative and rewarding. They

provide me all the facilities and environment for successful completion of my training.

I will be failing in my duties if I do not acknowledge the help, support of my friends

whose love and affection supported me throughout life and in this project also.

Mohsin Showkat



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CERTIFICATE

This is to certify that Mohsin Showkat BBA IIIrd Semester CT Institute of

Management and IT, Punjab Technical University has done project on “Reliance Money“and has successfully completed her project on “Study of Demat account of Reliance

Money”

This report is completed under my guidance. It is only for academic purpose and is a

bonafide work done by researcher.

Project Guide

Miss Prabhjot Kaur

Faculty

CTIMIT



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DECLARATION

I “Rajni Arya” have done here by declare that the project work entitle on the “Study

of Demat Account of Reliance money “at Panchkula is the original work done by me. This

project is done under the guidance of Miss Prabhjot Kaur (Faculty member) and Miss Sakshi

Vats (Relationship Manager of Reliance Money).

This project report presented as a partial fulfillment requirement for the degree of

Master of Business administration.

Rajni Arya

MBA 3rd Sem.

CTIMIT



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TABLE OF CONTENTS

1. Introduction…………………………………………………………………

2. Company Profile……………………………………………………………

3. Product of the Reliance Money ……………………………………………

4.

Need for the study …………………………………………………………

5. Competitors ……………………………………………………………….

6. Objectives ………………………………………………………………….

7. Research Methodology …………………………………………………

8. Data Analysis and Interpretation …………………………………………

9. Findings and Suggestions…………………………………………………

10. Limitations ………………………………………………………………

11. Bibliography ……………………………………………………………

12. Annexure ……………………………………………………………



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INTRODUCTION

Reliance Money – Transacting and investing simplified. Get ready to change the way youtransact and invest in financial products and services .Whether you wish to transact inequity, equity & commodity derivatives, IPO’s offshore investments or prefer to invest inmutual funds, life & general insurance products or avail money transfer and moneychanging services, you can do it all through reliance money .Simply open a reliance moneyaccount and enjoy the convenience of handling all your key financial transactions throughthis one window

.Reliance Money has over 22 lakhs customers and more then 10'000 branches inaround 5000 cities in India. Company is among the largest broking and distribution house of financial products and having share of more then 3% of total stock market volume at BSE &NSE.

RelianceMoney.com is the web based investment portal (with Online Stock Trading) fromReliance Money. This website enables its customer to invest & manage most of the servicesprovided by Reliance Money including Equity (Stock) Trading, Commodity Trading,Derivatives, Mutual Fund Investment, IPO Investment, Life Insurances, General insurances,Money Transfer, Forex exchange, Gold Coins and Credit Cards Services. Company recently

entered in to Wealth Management with tools like investment in equity-linked portfoliomanagement services, structured products, insurance and mutual funds.

The Reliance Money stock trading websites uses special security features 'Security Token' ,which makes your online trading experience more secure without complexity.

http://funopenchild%28%27http//www.chittorgarh.com/stockmarket/Reliance-Money-Security-Token.asp');

http://funopenchild%28%27http//www.chittorgarh.com/stockmarket/Reliance-Money-Security-Token.asp');



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PROFILE OF RELIANCE MONEY

The Reliance – Anil Dhirubhai Ambani Group is among India‟s top three private sector

business houses on all major financial parameters, with a market capitalisation of Rs.325,000

crores (US$ 81 billion), net assets in excess of Rs.115,000 crores (US$ 29 billion), and net

worth to the tune of Rs.55,000 crores (US$ 14 billion)

Reliance Money is a comprehensive electronic transaction platform offering a wide range of

asset classes. Its Endeavour is to change the way India transacts in financial markets and

avails financial services. Reliance Money is a single window, enabling you to access,

amongst others in Equities, Equity & Commodities Derivatives, Mutual Funds, IPOs, Life &

General Insurance products, Offshore Investments, Money Transfer, Money changing and

Credit Cards.

Reliance Money is a group company of Reliance Capital; one of India's leading and fastest

growing private sector financial services companies, ranking among the top 3 private sector

financial services and banking companies, in terms of net worth. Reliance Capital Ltd. has

interests in asset management, life and general insurance, private equity and proprietary

investments, stock broking and other fin ancial services. Reliance Capital is one of India‟s

leading and fastest growing private sector financial services companies, and ranks among thetop 3 private sector financial services and banking companies, in terms of net worth. The

company has interests in asset management and mutual funds, life and general insurance,

private equity and proprietary investments, stock broking and other activities in financial

services



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RELIANCE ADA GROUP

Reliance Money



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Reliance Money is a group company of Reliance Capital, one of India's leading and

fastest growing private sector financial services companies, ranking among the top 3 private

sector financial services and banking companies, in terms of net worth. Reliance Capital is a

part of the Reliance Anil Dhirubhai Ambani Group .Reliance Money is a comprehensive

electronic transaction platform offering a wide range of asset classes. Its endeavor is to

change the way India transacts in financial markets and avails financial services.

Reliance Money is a single window, enabling you to access, amongst others in Equities,

Equity & Commodities Derivatives, Mutual Funds, IPOs, Life & General Insurance products,

Offshore Investments, Money Transfer, Money Changing and Credit Cards

The Reliance Anil Dhirubhai Ambani Group is one of India's top 3 business houses,

and has a market capitalization of over Rs.2,90,000 crore (US$ 75 billion),net worth in

excess of Rs.40,000 crore (US$ 10 billion), cash flows of Rs. 9,000 crore (US$ 2.2 billion),net profit of Rs. 5,000 crore (US$ 1.3 billion) and zero net debt.



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Chairman's Profile:

Regarded as one of the foremost corporate leaders of contemporary India, Shri AnilDhirubhai Ambani is the chairman of all listed companies of the Reliance ADA Group,

namely, Reliance Communications, Reliance Capital, Reliance Energy, Reliance Natural

Resources and Reliance Power .He is also Chairman of the Board of Governors of Dhirubhai

Ambani Institute of Information and Communication Technology, Gandhi Nagar, Gujarat

.Till recently, he also held the post of Vice Chairman and Managing Director in Reliance

Industries Limited (RIL), India's largest private sector enterprise. Anil Dhirubhai Ambani

joined Reliance in 1983 as Co-Chief Executive Officer, and was centrally involved in every

aspect of the company's management

If we look for examples to prove this quote then we can find many but there is none

like that of Reliance Money. The company which is today known as the largest financial

service provider of India.

Reliance Capital has interests in asset management and mutual funds, life and

general insurance, private equity and proprietary investments, stock broking, depository

services, distribution of financial products, consumer finance and other activities in financial

services. Reliance Mutual Fund is India's no.1 Mutual Fund. Reliance Life Insurance isIndia's fastest growing life insurance company and among the top 4 private sector insurers.

Reliance General Insurance is India's fastest growing general insurance company and the top

3 private sector insurers. Reliance Money is the largest brokerage and distributor of financial

products in India with more than 2.5 million customers and the largest distribution network.

http://images.google.co.in/imgres?imgurl=http://www.karamveer.com/wp-content/uploads/2008/06/anil-ambani.JPG&imgrefurl=http://www.karamveer.com/&usg=__eWNm0YdwRiyv2k2gojyJN34aO6E=&h=320&w=277&sz=12&hl=en&start=13&um=1&tbnid=mHpVZ26G8gdQnM:&tbnh=118&tbnw=102&prev=/images?q=anil+ambani&hl=en&sa=N&um=1



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Reliance Consumer finance has a loan book of over Rs. 8,000 crores at the end of June 2008.

Reliance Capital has a net worth of Rs.6,862 crores (US$ 1.6 billion) and total assets of Rs.

19,940 crores (US$ 4.6 billion) as of June 30, 2008 and over 26,000 employees. Money has

increased its market share among private financial companies to nearly Convenient &

effective – Anytime & anywhere financial transaction capability. Launched in April 2007. It

provides the Flat fees system. It has 2.2 million customers in 1 year of official launch. It has

over 5,000 outlets across 700 towns/cities. Average daily turnover – in excess of Rs 2,000

crores. Considering the entire life market, including the Rs. 12,890 crores booked by life

insurance Corporation, Reliance life insurance market share works out to around 6.25% .The

life insurance market continuous to be dominated its 73% share in end-July . These

comparisons are only for first year or new business premium.

RELIANC MONEY PRODUCT OFFERING

1. Trading Portal (with almost negligible brokerage )

Equity Broking

Commodity Broking

Derivatives ( Futures & Options )

Offshore Investments (Contract For Differences)

D-Mat Account.

2. Financial Products Mutual Funds

Life Insurance

o ULIP plan

o Term Plan

o Money Back Plan

General Insurance

o Vehicle/Mo Health Insuranceo Health Insurance

o House insurance

IPO‟s

NFOs



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3. Value-Added Services Retirement Planning

Financial Planning

Tax Saving

Children Future Planning

4. Credit Cards

5. Gold coins retailing

.“Success is a journey, not a destination’’

RELIANCE DEMAT ACCOUNTS



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Overview of Demat Account

In India, a Demat account the abbreviation for dematerialized account, is a type of

banking account which dematerializes paper-based physical stock shares. The dematerialized

account is used to avoid holding physical shares: the shares are bought and sold through astock broker. This account is popular in India. The

Securities and Exchange Board of India (SEBI) mandates a demat account for share

trading above 500 shares. As of April 2006, it became mandatory that any person holding a

demat account should possess a Permanent Account Number (PAN), and the deadline for

submission of PAN details to the depository lapsed on January 2007.

Procedure

1. Fill demat request form (DRF) (obtained from a depository participant or DP with whom

your depository account is opened).

2. Deface the share certificate(s) you want to dematerialize by writing across Surrendered for

dematerialization.

3. Submit the DRF & share certificate(s) to DP. DP would forward them to the issuer / their

R&T Agent.

4. After dematerialization, your depository account with your DP, would be credited with the

dematerialized securities.

Reliance Money Demat Account Services

Reliance Money – Transacting and investing simplified. Get ready to change the way

you transact and invest in financial products and services .Whether you wish to transact in

equity, equity & commodity derivatives, IPO‟s offshore investments or prefer to invest in

mutual funds, life & general insurance products or avail money transfer and money changing

services, you can do it all through reliance money. Simply open a reliance money account

and enjoy the convenience of handling all your key financial transactions through this one

window. Benefits of having a reliance money account



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• It’s cost effective

You pay comparatively lower transaction fees. As an introductory offer, we invite

you to pay a flat fee of just Rs. 500/- and 750/- and transact through reliance money. This fee

is valid for two months or a specified transaction value

The table below for details

• Its offers single –

Through reliance money‟s associates, you can transact in equity, equity and commodities

derivatives, offshore investments mutual funds, and IPO‟s life insurance, general

Insurance, money transfer, money changing and credit cards, amongst others.

• Its convenientYou can access reliance money‟s services through

The internet

The phone (call & transact)



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Our all – India network of associates On an assisted trade (through the call centre or

our network of associates) a charge of Rs 12 per executed trade applicable.

It’s Safe Your account is safeguarded with a unique security number that changes

every 32 seconds. This number works as a dynamics password to keep your account

extra safe.

You get your own demat account with reliance capital at an annual fee of just

Rs. 50/-.

Its provides you a demat account

Provides you a 3-in-1 facility. You can access your banking, trading and

demat account through a single window and transfer funds across accounts

seamlessly.

It provides you value- added services. At www.reliancemoney.com, you get

Reliable research, including views of external experts with an enviable track

record

Live news updates from Reuters and Dow Jones

CEO‟s / expert views on the economy and financial markets

Tools that help you plan your investments, tax, retirement, etc. in the personalfinance section

Risk Analyser for analysis of your risk profile

Asset allocators to build an appropriate investment portfolio

Innovative use of technology for facilitating



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Convenient trading/investments –

Kiosks (similar to ATM‟s)

Reliance Money Provide the kiosks (similar to ATM‟s) Facilities, to their customer

through which the customers can trade on available kiosks at the particular Branch of

Reliance Mon ey. The company is going to open these kiosks in the market as the ATM‟s of

the banks. Reliance Money provides 3 different trading platforms for equity trading:

Fast Trade

Easy trade

The Benefits• A safe and convenient way to hold securities;

• Immediate transfer of securities;

• No stamp duty on transfer of securities;



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• Elimination of risks associated with physical certificates such as bad delivery, fake

securities, delays, thefts etc.;

• Reduction in paperwork involved in transfer of securities;

• Reduction in transaction cost;

• No odd lot problem, even one share can be sold;

• Nomination facility;

• Change in address recorded with DP gets registered with all companies in which investor

holds securities electronically eliminating the need to correspond with each of them

separately;

• Transmission of securities is done by DP eliminating correspondence with companies;

Automatic credit into demat account of shares, arising out of

bonus/split/consolidation/merger etc.• Holding investments in equity and debt instruments in a single account.

Required Documents

The extent of documentation required to open a demat account may vary according to

your relationship with the institution. If you plan to open a demat account with a bank, a

savings, current and, or other account for which the holder have been issued a check book,

such holder has an edge over the non-account holder. In fact, banks usually offer additional

incentives to customers who open a demat account with them. Along with the applicationform, your photographs (with co-applicants) and proof of identity/residence/date of birth

have to be submitted. The DPs also ask for a DP-client agreement to be executed on non-

judicial stamp paper. Here is a broad list:

• A canceled check, preferably MICR

• Proof of Identification

• Proof of Address

• Proof of Pan Card (mandatory)

• Recent photographs, one or more For proof of identification and, or address self-attested

facsimile copies of PAN card, Voter‟s ID, Passport, Ration card, Driver‟s license, Photo

credit card, Employee ID card, Bank attestation, latest IT returns and, or latest



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Electricity/Landline phone bill are sufficient. While they only ask for photocopies of the

documents, they will need the originals for verification.

Points to Remember

1. Only securities admitted by NSDL can be dematerialized. The list is available with your

DP.

2. Only securities registered in the name of the account holder can be dematerialized.

3. Dematerialization is normally completed within 15 days after the share certificates have

Reached the issuer/ their R&T Agent. Thus it may take you a month from the date you

hand

Over shares, to receive demat credit.

4. Dematerialization would be done only when the issuer / their R&T Agent is satisfied of

Genuineness of securities & ownership status

5. All the joint holders should sign the DRF.

6. The pattern of holding in the DRF should match the pattern of holding on the share

Certificate & the pattern in which account is opened.

7. Demat requests with name(s) not matching exactly with the name(s) appearing on the

Certificates merely on account of initials not being spelt out fully or put after or prior to the

Surname, would be processed, and provided the signature of the client on the DRF tallies

With the specimen signature(s) available with the issuer/ their R & T agent.8. If the signature in the DRF does not match with the signature available with the issuer/

Their R & T agent, the issuer/ their R & T agent may at the time of demat confirmation,

ask

For additional documentation (like bank attestation/ notarization, etc.) to prove that the

Certificate belongs to the person who forwarded the DRF.

9 In case there is any problem in processing the DRF, contact your DP and if he cannot

Resolve the problem you may contact NSDL.

Benefits

Demat account has become a necessity for all categories of investors for the

following reasons/ benefits:

SEBI has made i t compulsory for trades in almost al l scrip’s to be

settled in Demat mode. Although, trades up to 500 shares can be



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settled in physical form, physical settlement is virtually not

taking place for the apprehension of bad delivery on account of

mismatch of signatures, forgery of signatures, fake certificates,

etc.

It is a safe and convenient way to hold securities compared to

holding securities in physical form.

No stamp duty is levied on transfer of securities held in Demat

form.

Instantaneous transfer of securities enhances liquidity.

It eliminates delays, thefts, interceptions and subsequent misuse

of certificates.

Change of name, address, registration of power of attorney,

deletion of deceased's name, etc. - can be effected across

companies by one single instruction to the DP.

Each share is a market lot for the purpose of transactions - so no

odd lot problem.

Any number of securities can be transferred/delivered with one

delivery order. Therefore, paperwork and signing of multiple transfer forms

is done away with. It facili tates taking advances against securities on low

margin/low interest.





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COMPETITORS

HDFC BANK is one of the leading Depository Participant (DP) in the country with

over 8 Lac demat accounts.

HDFC Bank Demat services offers you a secure and convenient way to keep track of

your securities and investments, over a period of time, without the hassle of handling

physical documents that get mutilated or lost in transit.

HDFC BANK is Depository participant both with – National Securities Depositories Limited

(NSDL) and Central Depository Services Limited (CDSL).

Features & Benefits

As opposed to the earlier form of dealing in physical certificates with delays in transaction,

holding and trading in Demat form has the following benefits :

Settlement of Securities traded on the exchanges as well as off market transactions.

Shorter settlements thereby enhancing liquidity.

Pledging of Securities.

Electronic credit in public issue.

Auto Credit of Rights / Bonus / Public Issues / Dividend credit through ECS.

Auto Credit of Public Issue refunds to the bank account.

No stamp duty on transfer of securities held in demat form.



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No concept of Market Lots.

Change of address, Signature, Dividend Mandate, registration of power of attorney,

transmission etc. can be effected across companies held in demat form by a single instruction

to the Depository Participant (DP).

Secured & easy transaction processing

HDFC Bank Ltd provides convenient facility called 'SPEED-e' (Internet based

transaction) whereby account holder can submit delivery instructions electronically through

SPEED-e website (https://speed-e.nsdl.com). SPEED-e offers secured means of transaction

processing eliminating preparation of instruction slips and submission of the same across the

counter to the depository participant. The 'IDEAS' facility helps in viewing the current

transactions and balances (holdings) of Demat account on Internet on real time basis.

Disclaimer:

Whatever have been stated above are in the good interest of the Investor / Demat

Applicants / holders to provide a brief picture about the depository system. You are requested

go through the guidelines of the depositories before taking any further action. For detailed

guidelines, you are requested to approach your nearest HDFC Bank branch. HDFC Bank willnot be responsible for any misunderstanding / act based on the above. Also HDFC Bank

might ask for additional information / documentation than what has been stated above to

process your application / instruction.



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ICICI DIRECT

ICICI Direct (or ICICIDirect.com) is stock trading company of ICICI Bank. Along with

stock trading and trading in derivatives in BSE and NSE, it also provides facility to invest in

IPOs, Mutual Funds and Bonds. Trading is available in BSE and NSE ICICI Direct offers 3

different online trading platforms to its customers

Type of Account24

1. Share Trading Account

Share Trading Account by ICICIDirect is primarily for buying and selling of

stocks in BSE and NSE.This account allows Cash Trading, Margin Trading,

MarginPLUS Trading, Spot Trading, Buy Today Sell Tomorrow and Call and Trade

on phone. ICICIDirect.com website is the primary trading platform for this trading

account. They also provide installable application terminal based application for high

volume Trader.Wise Investment Account

2. Online Mutual funds investment allows investor to invest on-line in around 19

Mutual Fund companies. ICICI Direct offers various options while investing in

Mutual Funds like Purchase Mutual Fund, Redemption and switch between

different schemes, Systematic Investment plans, Systematic withdrawal plan and

transferring existing Mutual Funds in to electronic mode. This account also

http://images.google.co.in/imgres?imgurl=http://myshare.in/images/logo-icici-direct.gif&imgrefurl=http://myshare.in/about.htm&usg=__ucTcbvCvQWc4yGfQwlTrhEo2XeU=&h=66&w=123&sz=3&hl=en&start=3&tbnid=C2Pb_s66GHQHUM:&tbnh=48&tbnw=89&prev=/images?q=icici+direct+logo&gbv=2&hl=en



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provides facility to invest in Government of India Bonds and ICICI Bank Tax

Saving Bonds. Active Trader account gives more personalized investment options

to the investors. It allows investor to use online and offline stock trading. It also

provides with independent market expertise and support through a dedicated

Relationship Manager from ICICI.

Active Trader also provides commodity trading.

Brokerage and fees

Account opening fees : Rs 750/- (One time non-refundable)

Brokerage : ICICI Direct.com brokerage varies on volume of trade and inclusive

of demat transaction charges, service taxes and courier charges for contract

notes. It ranges from 0.1% to 0.15% for margin trades, 0.2% to 0.425% for

squared off trades and 0.4% to 0.85% on delivery based trades .

Disadvantages of ICICI Direct

1. Getting access to ICICIDirect.com website during market session can be frustrating.



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OBJECTIVES

To check the awareness among the people about Reliance Money and

various services provided by it l ike: DEMAT account, and E-Banking

etc.

To check the awareness among the people about the online share

trading.

To collect the real time information about preference level of

customers using DEMAT account and their inclination towards various

other brokerage firms.



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RESEARCH METHODOLOGY

Research Methodology refers to search of knowledge .one can also define research

methodology as a scientific and systematic search for required information on a specific

topic. The word research methodology comes from the word “advance learner „s dictionary

meaning of research as a careful investigation or inquiry especially through research for

new facts in my branch of knowledge for example some author have define research

methodology as systematized effort to gain new knowledge.

TYPES OF RESEARCH

ANALYTICAL RESEARCH:-

It has to used facts or information already available and analyzes these to make a

critical evaluation of material.

SAMPLE SIZE: Considering the constraints it was decided to conduct the study based on

sample size of 100 people in specific age groups.



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UNIVERSE OF STUDY: The Universe of the study for the “Study of demat account of

Reliance Money” is in the Panchkula city .Due to the time and cost constraints, it is

impossible to collect the preference of all people in the city. Hence, purposive

selections of respondents for survey have done.

METHODS OF DATA COLLECTION

In the project work Primary data secondary data (both) sources of data has been used .

1. Primary sources of data: In the primary sources of data used Observation Method &

Questionnaire method.2. Secondary sources of data : In the secondary sources of data is used. (Internet ,

magazine ,books, journals.

TOOLS OF ANALYSIS

In the project work quantitative technique & percentage method are has been used. For the

easy analysis of work percentage method has been work out.



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For easy understanding data, diagrammatic representation has been

made in the form of charts.

PERCENTAGE ANALYSIS

Percentage refers to a special kind of Ratio. It is used in making comparison between two or

more series of data. They are used to describe relationships.

Percentage of investors = No. of investors*100

RESEARCH DESIGN

For the proper analysis of data simple quantitative technique such as percentage were used .

It help in marketing more accurate generalization From the data available .The data which

was collected from a sample of population was assumed to be representing entire population

was interested .Demographic factor like age, income were used for the classification purpose.



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DATA ANALYSIS AND INTERPRETATION

PART-A

1. AGE GROUP

AGE NO OFRESPONDENTS

% OFRESPONDENTS

18-25 year 77 77%

25-35year 14 14%

>35 year 9 9%

TOTAL 100



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GRAPHICAL REPRESENTATION

INTERPRETATION : This AGE GROUP graph show 77% maximumrespondent are belong to 18-25 year than minimum 9%are above 35 year.

77

149

0

10

20

30

40

50

60

70

80

90

18-25 year 25-35year >35 year

N o

. o

f r e s p o n d e s

Age

AGE GROUP



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2. GENDER

GENDER NO.OF RESPONDES % OF RESPONDES

MALE 5353%

FEMALE 47 47%

TOTAL 100



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INTERPITATION: This gender / sex graph shows 53% respondentsare male and 47% are female.

MALE53%

FEMALE47%

0%0% 0%

GENDER/SEX



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3. MARITAL STATUS

MARITALSTATUS

NO OFRESPONDENTS

% OFRESPONDENTS

SINGLE 82 82%

MARRIED 18 18%

TOTAL 100


INTERPRETATION: This marital status graph shows 82% respondent aresingle and 18% are married respondent.

82

18

0

10

20

30

40

50

6070

80

90

SINGLE MARRIED

N o

. o

f r e s p o n d e s

Marital Status

MARITAL STATUS



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4. OCCUPATION

OCCUPATION NO OF RESPONDENTS % OF RESPONDENTS

BUSINESS 19 19%

PROFESSIONAL 42 42%

SERVICE 16 16%

HOUSE WIVES 2 2%

RETIRD 8 8%

ANY OTHER 13 13%

TOTAL 100



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INTERPRETATION: This Occupation graph shows 19% respondents arehaving their own business , 42% Professionals , 2% respondents are housewives , 8% are retired, and 13% are anyother.

05

1015

202530354045

N o . o

f r e s p o n d e s

OCCUPATIO

OCCUPATION

OCCUPATION



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5. ANNUAL INCOME (in Rs)

ANNUAL INCOME NO OF RESPONDENTS % OF RESPONDENTS

BELOW 2 LACK 39 39%

2 - 5 LACK 32 32%

>5 LACK 14 14%

NILL 15 15%

TOTAL 100



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INTERPRETATION: This annual income graph shows 39% respondents fallunder the category having income bellow 2 lack, 32% fall under the category 2-5 lack, 14% respondents fall under the category >5 lack , and 15% with nillincome.

39%

32%

14%15%

0%

ANNUAL INCOME

BELOW 2 LACK

2-5 LACK>5 LACK

NILL



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PART - BQ1. Do you ever heard about RELIANCE MONEY ?

Awareness of RELIANCE MONEY.

No. of respondent Percentage of respondent

Yes 80 80%No 20 20%


Interpretation: This pie chart shows 80% respondents heard about the reliancemoney , and 20% respondents do not heard about the reliance money.

20%

80%

Result of Awareness of RELIANCE MONEY .

yesno







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Q 4. What facilities do you know that Reliance Money offer?

Particulars No. of respondent Percentage of respondent

Insurance 50 50%Demat account 30 30%

Online trading 20 20%


Interpretation :- 50% have respondent of Reliance Money, 30% have respondent of

HDFC, 20% have respondent of ICICI.

0

5

10

15

20

25

30

35

40

4550

Reliance ICICI HDFC

50

30

20





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Q6. Are you aware of online Share trading facilities?

Aware of online share trading No. of respondent Percentage of respondent

Yes 70 70%

No 30 30%

Total 100


Interpretation : With the increase in cyber education, the awareness towards online share

trading has increased by leaps and bounds. This awareness is expected to increase further

with the increase in Internet education. In this pie chart 70 % respondents are aware of

online share trading but 30 % don‟t aware of online share trading.

Yes, 70

No, 30

Yes

No



45

Q7. How many times you do trading?

Particulars No. of respondent Percentage of

Respondents

Daily 7 7%

Monthly 35 35%

Weekly 20 20%

Yearly 8 8%


Interpretation: This pie chart shows 7% respondents do trading daily , 35%respondents says they do trading monthly , 20% respondents says they dotrading weekly and 8%% respondents says they do trading yearly.

7%

35%20%

8%

Percentage of respondents

Daily

Monthly

Weekly

Yearly



46

Q8. Which company provides you a better online trading facility?

Company Name No. of respondent Percentage of respondent

Reliance money 40 40%

HDFC 10 10%ICICI 20 20%


Interpretation : Above graph shows that 40% respondents says that reliance

money provides better online trading facility, and 10 %respondents says HDFC

bank provides better online trading facilities and 20 % says ICICI provides

better online facilities.

0

5

10

15

20

25

30

3540

Reliance HDFC ICICI

40

10

20



47

Q9. According to your perspective which investment gives you maximum

return?

Particulars No. of respondents Percentage of respondent

Share Market 35 35%Mutual funds 20 20%

Purchasing insurance

Policy

15 15%


Interpretation :- This pie chart shows that out of 70 respondents 35%respondents are of view that share market gives maximum return , 20%

respondents says Mutual funds gives maximum return and 15% are of view that

insurance policy gives maximum return.

35%

20%

15%

Share Market

Mutual funds

Purchasing insurance Policy



48

Q10. Which company provides less BROKERAGE rate?


Interpretation :- In this graph out of 70 respondents 40% respondents saysreliance money provides less brokerage rate , 10% respondents says HDFCprovides less brokerage rate and 20% respondents says ICICI provides lessbrokerage rate.

40

20

10

0

5

10

15

20

25

30

35

40

45

Reliance Money ICICI Direct HDFC

Company Name No. of respondent Percentage of respondentRELIANCE MONEY. 40 40%

HDFC 20 20%ICICI 10 10%



49

Q11.According to you what makes Reliance money better than

other financial institutions?

Particulars No. of respondents Percentage of respondent

Less Brokerage

Better online trading

facilities

Less maintenance

charges

Time to time return


Interpretation :-



50

FINDINGS

Most of the respondents are aware of reliance money and feels that reliance money is

easily available everywhere.

According to most of the respondents Reliance Money offers large number of services

through demat account.

Most of the respondents are aware of online trading and are also in the favour of online

share trading.

Reliance Money provides better online trading facilities in comparison to HDFC and

ICICI.

According to the analysis Reliance Money provides less brokerage rate in comparison to

HDFC and ICICI.



51

SUGGESTIONS

The Brand image of Reliance Money is good in market but according to customersatisfaction the company has to provide the better service.

Online trading is beneficial but it is very expensive so Reliance Money should provide

online trading services at low cost.

Reliance Money should provide demat services at low cost so that customers should be

more benefited.

Limitations

Sample chosen may not be the true representative of population.

In certain cases the respondents were lazy and filled the questionnaire without any

seriousness.

The time constraint was one of the major problems.

The study is limited to the different schemes available under the demat account selected.

The lack of information sources for the analysis part.



52

CONCLUSION

Reliance Demat Account is better than other Demat account. Reliance Money has good

return of investment. A good brand is always welcomed over here people are aware of quality so they go for ready to spend bucks of money. At last all can be concluded by that

Reliance Money is still growing industry in India Reliance Demat account have less

brokerage rate .It provide a security with the use of special type of key .



53

BIBLIOGRAPHY

Websites:

www.reliancemoney.com

www.xomba.com/www_reliancemoney_com.

www.hdfcdemat.com

https://trade.hdfc.com/

www.chittoragh.com/.../online_stock_brokers_detail.asp?a=6

www.icicidirect.com

www.icicidirect.com/home.asphttps://secure .icicidirect.com/trading/lbs/logon.asp.

Reference books:

1. FINANCIAL INSTITUTIONS AND MARKETS - BHOLE L.M.

2.INVESTMENT MANAGEMENT - BHALL V.K.3. Research methodology: KOTHARI C.R.

http://www.reliancemoney.com/

http://www.hdfcdemat.com/


http://www.chittoragh.com/.../online_stock_brokers_detail.asp?a=6

http://www.icicidirect.com/

http://www.icicidirect.com/home.asp

http://www.icicidirect.com/home.asp

http://www.icicidirect.com/

http://www.chittoragh.com/.../online_stock_brokers_detail.asp?a=6


http://www.hdfcdemat.com/

http://www.reliancemoney.com/



54

ANNEXURE

Q1.Do you ever heard about RELIANCE MONEY?

Yes

No

Q2.What facilities do you know that reliance money

offers?

Insurance Demat account Online trading

Q3.Do you have investment in Demat account?

Yes

No



55

Q4. With which company do you have your Demat

account?

Reliance Money HDFC ICICI direct

Q5. Are you aware of online share trading facilities?

Yes

No

Q6.Which company provide you better online trading

facilities?

Reliance Money HDFC ICICI direct



56

Q7.According to your perception which investment gives

you maximum return?

Share market

Mutual funds

Purchasing insurance policy

Q8. Which company provide a less BROKERAGE rate ?

Reliance Money HDFC ICICI

Q9.What facilities are you looking for opening demat

account in any financial institution?

Less Brokerage

Better online trading facilities

Less maintenance charge

Time to time return

Less opening charges



57

Q10.According to you what make Reliance money better

than other financial institutions?

Less Brokerage

Better online trading facilities

Less maintenance charge

Time to time return

Q11.How many time you do trading? Daily Monthly Weekly Yearly



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