Market scoping and financial investment

At the beginning, I would like to thank Almighty GOD for his shower of blessings .The desire of completing this project was given a way by my guide Prof. Mr. N. C. Mehta (project guide). I am very much thankful to him for the guidance, support and for sparing his precious time from a busy and hectic schedule.

I am thankful to Dr. J.K. Sachdeva, Director of Aruna Manharlal Institute of Management & Research where I study in MMS. My sincere thanks to Sir Premkrishnan K B who always motivated us and for providing a helping hand for completing this project.

I would fail in my duty if I don’t thank my parents who are pillars of my life and my friends who help me a lot. Finally, I would express my gratitude to all those persons who directly and indirectly helped me in completing dissertation. In this era of globalization and liberalization of the economy, business practices are in the process of getting modified at greater speed with the change in the policies and procedures of government. In this context, business education is also witnessing great transformation which strikes for excellence to meet the global standards so that our new managers are not only able to feel the pulse of those changes but may also be able to get them absorbed to do the right thing at the right time. Therefore marketing plays a very potent force in an organization to achieve its endeavor.

I have taken my project report topic as “MARKET SCOPING AND FINANCIAL INVESTMENT & LOAN PRODUCT” Hope this report will prove to be an indispensable companion for all those who are concerned & who are in any way interested in the subject matter of this report.

This was great experience for me during my research period. I wish you will have an interesting ride in the pages ahead.

Executive Summary

The India Info line group, comprising the holding company, India Info line Limited and its wholly-owned subsidiaries, straddle the entire financial services pace with offerings ranging from Equity research, Equities and derivatives trading, Commodities trading, Portfolio management Services, Mutual Funds, Life Insurance, Fixed deposits, Govt. bonds and other small savings instruments to loan products and Investment banking. India Info line also owns and manages the websites www.indiainfoline. Com and www.5paisa.com. The Company has a network of 976 business locations (branches and sub-brokers) spread across 365 cities and towns. It has more than 800,000 customers. In today’s competitive world there are many goods chasing few customers some are trying it expands their size and share of existing market. As a result there are loser and winners. Winners are those who carefully analyze needs identify opportunities and create aloe rich offers for target customer.

The objective of the market research to determine the demand and supply and use of the product and competitors study so as to get the total market scenario of the product for analyzing market problem research is needed. A firm can obtained market research in a number of ways. It can hire market research firm or it can ask student to design and carry out market research project. These marketing problems and opportunities if entrust to the student of marketing. Specially when they seek the same during the project gives opportunities to apply their theoretical knowledge and managerial knowledge. India infoline.com/5paisa.com is related to share market, it is equity to caused organization tracing its lineage to SSKL, aveteran solution company with over 8 decades of experience in the lead in stock market.

INTRODUCTION
A stock, also referred to as a share, is commonly a share of ownership in a corporation. In British English, the word stock has another completely different meaning in finance, referring to a bond. It can also be used more widely to refer to all kinds of marketable securities. Where a share of ownership is meant the word share is usually used in British English. The first company that issued shares is considered to be the Northern-European copper mining enterprise Stor a Kopparberg, in the 13th century .Ownership The owners and financial backers of a company may want additional capital to invest in new projects within the company. If they were to sell the company it would represent a loss of control over the company .Alternatively, by selling shares, they can sell part or all of the company to many part-owners. The purchase of one share entitles the owner of that share to literally share in the ownership of the company, including the right to a fraction of the assets of the company, a fraction of the decision-making power, and potentially a fraction of the profits, which the company may issue as 13However, the original owners of the company often still have control of the company , and can use the money paid for the shares to grow the company.

In the common case, where there are thousands of shareholders, it is impractical to have all of them making the daily decisions required in the running of a company. Thus, the shareholders will use their shares as votes in the election o for members of the board of directors of the company. However, the choices are usually nominated by insiders or the board of the directors themselves, which over time has led to most of the top executives being on each others boards .Each share constitutes one vote (except in a co-operative society where every member gets one vote regardless of the number of shares they hold). Thus, shareholder owns more than half the shares, they can out-vote everyone else, and thus have control of the company. Shareholder rights.

Although owning 51% of shares does mean that you own 51% of the company and that you have 51% of the votes, the company is considered a legal person, thus it owns all its assets, (buildings, equipment, materials etc) itself. A shareholder has no right to these without the company’s permission, even if that shareholder owns almost all the shares. This is important in areas such as insurance, which must be in the name of the company not the main shareholder. So as long as the shareholders agree that the management (agent) are performing poorly they can elect a new board of directors which can then hire anew management team. Owning shares does not mean responsibility for liabilities.

If a company goes broke and has to default on loans, the shareholders are not liable in any way. However, all money obtained by converting assets into cash will be used to repay loans, so that shareholders cannot receive any money until creditors have been paid. Means of financing. Financing a company through the sale of stock in a company is known as equity financing. Alternatively debt financing (for example issuing bonds) can be done to avoid giving up shares of ownership of the company. Trading Shares of stock are usually traded on a stock exchange, where people and organizations may buy and sell shares in a wide range of companies. A given company will usually only trade its shares in one market, and it is said to be quoted, or listed, on that stock exchange. However, some large, multinational corporations are listed on more than one exchange. They are referred to as inter-listed shares. 15. 15BuyingThere are various methods of buying and financing stocks. The most common means is through a stock broker. Whether they are a full service or discount broker, they are all doing one thing – arranging the transfer of stock from a seller to a buyer. Most of the trades are actually done through brokers listed with a stock exchange such as the New York Stock Exchange. There are many different stock brokers to choose from such as full service brokers or discount brokers.

The full service brokers usually charge more per trade, but give investment advice or more personal service; the discount brokers offer little or no investment advice but charge less for trades. Another type of broker would be a bank or credit union that may have a deal set up with either a full service or discount broker. There are other ways of buying stock besides through a broker. One way is directly from the company itself. If at least one share is owned, most companies will allow the purchase of shares directly from the company through their investors relations departments. However, the initial share of stock in the company will have to be obtained through a regular stock broker. Another way to buy stock in companies is through Direct Public Offerings which are usually sold by the company itself.

A direct public offering is an initial public offering a company in which the stock is purchased directly from the company, usually without the aid of brokers. When it comes to financing a purchase of stocks there are two ways: purchasing stock with money that is currently in the buyers ownership or by buying stock on margin. Buying stock on margin means buying stock with money borrowed against the stocks in the same account. These stocks, or collateral, guarantee that the buyer can repay the loan; otherwise, the stockbroker has the right to sell the stocks (collateral) to repay the borrowed money. He can sell if the share price drops below the margin requirement, at least 50 percent of the value of the stocks in the account. Buying on margin works the same way as borrowing money to buy a car or a house using the car or house as collateral.

Moreover, borrowing is not free; the broker usually charges you 8-10 percent interest. Selling stock in a company goes through many of the same procedures as buying stock. Generally, the investor wants to buy low and sell high, if not in that order; however, this is not how it always ends up. Sometimes, the investor will cut their losses and claim a loss. As with buying a stock, there is a transaction fee for the broker’s efforts in arranging the transfer of stock from a seller to a buyer. This fee can be high or low depending on if it is a full service or discount broker. After the transaction has been made, the seller is then entitled to all of the money. An important part of selling is keeping track of the earnings. It is important to remember that upon selling the stock, in jurisdictions that have them, capital gains taxes will have to be paid on the additional proceeds, if any, that are in excess of the cost basis. Technology’s on Trading Stock trading has evolved tremendously. Since the very first Initial Public Offering (IPO) in the 13th century, owning shares of a company has been a very attractive incentive.

Even though the origins of stock trading go back to the 13th century, the market as we know it today did not catch on strongly until the late 1800s.Co-production between technology and society has led the push for effective and efficient ways of trading. Technology has allowed the stock market to grow tremendously, and all the while society has encouraged the growth. Within seconds of an order for a stock, the transaction can now take place. Most of the recent advancements with the trading have been due to the Internet. The Internet has allowed online trading. In contrast to the past where only those who could afford the expensive stock brokers, anyone who wishes to be active in the stock market can now do so at a very low cost per transaction. Trading can even be done through Computer-Mediated Communication (CMC) use of mobile devices such as hand computers and cellular phones. These advances in technology have made day trading possible.

The stock market has grown so that some argue that it represents a country economy. This growth has been enjoyed largely to the credibility and reputation that the stock market has earned. Types of shares There are several types of shares, including common stock, preferred stock, treasury stock, and dual class shares. Preferred stock, sometimes called preference shares, have priority over common stock in the distribution of dividends and assets, and sometime have enhanced voting rights such as the ability to veto mergers or acquisitions or the right of first refusal when new shares are issued (i.e. the holder of the preferred stock can buy as much as they want before the stock is offered to others). A dual class equity structure has several classes of shares (for example Class A, Class B, and Class C) each with its own advantages and disadvantages. Treasury stocks are shares that have been bought back from the public. Derivatives

A stock option is the right (or obligation) to buy or sell stock in the future at a fixed price. Stock options are often part of the package of executive compensation offered to key executives. Some companies extend stock options to all (or nearly all) of their employees. This was especially true during the dot-com boom of the mid- to late- 1990s, in which the major compensation of many employees was in the increase in value of the stock options they held, rather than their wages or salary. Some employees at dot-com companies became millionaires on their stock options. This is still a major method of compensation for CEOs. The theory behind granting stock options to executives and employees of a corporation is that, since their financial fortunes are tied to the stock price of the company, they will be motivated to increase the value of the stock over time. Primary market (IPO’s)In financial markets, an initial public offering (IPO) is the first sale of a company’s common shares to public investors. The company will usually issue only primary shares, but may also sell secondary shares. Typically, a company will hire an investment banker to underwrite the offering and a corporate lawyer to assist in the drafting of the prospectus.

The sale of stock is regulated by authorities of financial supervision and where relevant by a stock exchange. It is usually a requirement that disclosure of the financial situation and prospects of a company be made to prospective investors. The Federal Securities and Exchange Commission (SEC) regulates the securities markets of the United States and, by extension, the legal procedures governing IPOs. The law governing IPOs in the United States includes primarily the Securities Act of 1933, the regulations issued by the SEC, and the various state “Blue Sky Laws”. Secondary market The secondary market (also called “aftermarket”) is the financial market for trading of securities that have already been issued in its initial private or public offering. Stock exchanges are examples of secondary markets. Alternatively, secondary market can refer to the market for any kind of used goods.

Summer Internship is the most crucial aspect for a management student. It is the first rendezvous of the student with the industry. It gives the students a chance to apply the fundamentals they have learnt in the first year into actual practice. For students without work experience, it provides an opportunity to get the first taste of working life. Also it helps students in deciding the kind of specialization they want to pursue. Finally, from the Company’s point of view, it provides them with a great opportunity to prejudge a candidate. So the summer internship has a direct impact on the final placements of the students. I did my Summer Internship at the India’s largest finance Company, India Infoline Finance Limited. The internship period was 3rd May to 30th June, 2013 which was highly enriching. Gold Loan Department.

He guided me through the various aspects of Gold with lots of complex transactions and processes. This Summer Internship had benefited me in the following manner: It bridged the gap between theory and practical. Many of the theoretical aspects were clearly understood. Despite the work experience, it was my first hand experience in the field of Gold Loan. It gave me an opportunity to explore the career field of interest. It enhanced my skills and habits required to be successful in this particular field. It may open the doors of opportunity for me to debut in the field of Gold Loan.

STATEMENT OF THE PROBLEM
Online trading and Gold Loan are the two emerging concepts in the minds of the consumers. It involves personal factors, technical factors, business factors and economic factors. The interplay of these factors on stock market requires a deep study about the pattern process and procedures and performance. This study is intended to identify the various concepts and parameter taken into consideration for making investment decision. IIFL provisions are not exposing to its customers extensively. Hence in this report an attempt has been made to link the potential customers and the www.iifl.Com

OBJECTIVES OF THE STUDY
To know about the awareness of the consumers towards products offered by India Info line Ltd. 2. To study about consumer awareness & satisfaction, about operational Services & procedures of India Infoline ltd. 3. To know whether consumers are aware about the offerings of gold loan by IIFL. 4. To Identify whether consumers are aware about other loan offerings by IIFL

SCOPE OF THE STUDY

This report is based on the study conducted at the Dombivli branch, Mumbai. It aims to understanding the companies organization structure, departments, marketing strategies and the advantages it is having over the competitors. It aims to understand the skills of the company in Different Areas.

RESEARCH DESIGN OF THE STUDY
The study is based on survey technique. The study consists of analysis and market scoping of financial product of IIFL. For the purpose of the study customers100 are picked up and their views solicited on different parameters. The methodology adopted includes Questionnaire

Random sample survey of customers
Discussions with the concerned
Personal interviews and informal discussions were held with customers to ascertain the awareness level. Further applying simple statistical techniques has processed the data collected.

SOURCES OF DATA
Primary data: Questionnaire
Secondary data: are published materials such as periodicals, journals, news papers, and website.

SAMPLING PLAN
Sampling since segment wise investors in IIFL. are not available for the overall customers was considered for the study. 100% coverage was difficult within the limited period of time. Hence sampling survey method was adopted for the purpose of the study. Population: (universe) customers of IIFL

Sampling size: A sample of hundred was chosen for the purpose of the study. Sample considers of small investor, large investors and traders of IIFL Sampling Methods: Probability sampling requires complete knowledge about all sampling units in the universe. Since due to time constraint non-probability sampling was chosen for the study. Sampling procedure: From large number of customers of IIFL. were randomly picked up. Field Study: directly approached respondents.

DATA COLLECTION INSTRUMENT
COLLECTION OF DATA THROUGH QUESTIONNAIRES:
The data collected for the study purpose is through questionnaires. customers of IIFL have been selected randomly for the study purpose and then the information revealed from the customers is analyzed and interpreted in the study. ORGANISATION OF FIELD WORK

Initial field work has done for pre testing tools for data collection. The data is collected through the direct interaction with the customers through questionnaires answered by them. customers of IIFL were randomly chosen for the purpose of the study in Dombivil

LIMITATION OF STUDY
Since sample size is only 100, which is not a true representative of the population as a whole. Information is partly based on secondary data and hence the authentic of the study can be visualized and is measurable. Level of accuracy of the results of research is restricted to the accuracy level with which the customers have given their answers and the accuracy level of the answers cannot be predicted.

India Info line originally in corporated on October 18, 1995 as probity research and services pvt ltd. At Mumbai under the companies act, 1956 with registration no. 1193797. And become a public limited company on April 28, 2000The name of the company was changed to India Infoline.com limited on may 23,2000 and later to India Infoline Limited on march 23, 2001. it is the first company in India to foray into the online distribution of mutual funds. It is a one stop financial services shop, most respected for quality of its advice, personalized service and cutting edge technology. The no.1 corporate agent for ICICI prudential life insurance company. Research acknowledged by Forbes as “Must read for investor in south Asia” Listed on Bombay and national stock exchange with a net worth of INR 200 crore and a market cap of over INR 1970 crore. The company has a network of 976 business locations (branches and sub-brokers) spread across 365 cities and towns. It has more than 800,000customers.

It is registered with NSDL as well as CDSL as a depository participant providing a one- stop solution for clients trading in the equities market India Infoline group, comprising the holding company, India Infoline Limited and its wholly-owned subsidiaries, straddle the entire financial services space with offerings ranging from equity research, equities and derivatives trading, commodities trading, portfolio management services, mutual funds, life insurance, fixed deposits, govt. bonds and other small savings instruments to loan products and investment banking. India Infoline also owns and manages the websites www.Indiainfoline.com and www.5Paisa.com .In today’s competitive world there are many goods chasing few customers so me are trying it expands their size and share of existing market. As a result there are loser and winners. Winners are those who carefully analyze needs identify opportunities and create also rich offers for target customer. The objective of the market research to determine the demand and supply and use of the product and competitors study so as to get the total market scenario of the product for analyzing market problem research is needed. A firm can obtained market research in a number of ways . It can hire market research firm or it can ask students to design and carry out market research project.

How do IIFL differ from others

1 What Is Gold Loan?

As the name suggests this is the loan given against gold. Many nationalized banks, private banks and other financial companies offer this loan at attractive rates. Many go for this loan for short period to meet the requirement of their children’s education, marriage and other financial problems in the family. And others think that instead of keeping the gold idle at home or locker, loan against gold is the best option. Moreover with the rise in gold rates the demand from companies and banks offering such loans has raised. Nowadays, for a common man it has really become impossible to fulfill all his dreams of a luxurious life. To fulfill such dreams, most of the banks offer financial assistance or different types of loans to the individual. Gold loan one such type of loan with certain type of advantages over other type of loans. In simple language, gold loan is the loan or financial assistance given by the bank or by a financial company against the total gold owned by you. From recent past, this yellow element has emerged out as sole winner of the investment market. Now with the facility of gold loan, it has added another color to its wings. In India, gold is seen as the synonym for wealth and most of Indians love to make some investment in the gold. If you also among those people who owned a sufficient amount of gold and in a need of money then why to search for other options when you can get an easy and fast loan on your gold.

Life insurance has traditionally been looked upon pre-dominantly as an avenue that offers tax benefits while also doubling up as a saving instrument. The purpose of life insurance is to indemnify the nominees in case of an eventuality to the insured. In other words, life insurance is intended to secure the financial future of the nominees in the absence of the person insured.

The purpose of buying a life insurance is to protect your dependants from any financial difficulties in your absence. It helps individuals in providing them with the twin benefits of insuring themselves while at the same time acting as a compulsory savings instrument to take care of their future needs. Life insurance can aid your family on a rainy day, at a time when help from every quarter is welcome and of course, since some plans also double up as a savings instrument, they assist you in planning for such future needs like children’s marriage, purchase of various household items, gold purchases or as seed capital for starting a business. Traditionally, buying life insurance has always formed an integral part of an individual’s annual tax planning exercise. While it is important for individuals to have life cover, it is equally important that they buy insurance keeping both their long-term financial goals and their tax planning in mind. This note explains the role of life insurance in an individual’s tax planning exercise while also evaluating the various options available at one’s disposal. Life is full of dangers, but with insurance, you can at least ensure that you and your dependents don’t suffer. It’s easier to walk the tightrope if you know there is a safety net. You should try and take cover for all insurable risks. If you are aware of the major risk buy the right product, you can cover quite a few bases. The major insurable risks are as follows:

1 • Life
2 • Health
3 • Income
4 • Professional Hazards

5 • Assets
6 • Outliving Wealth
7 • Debt Repayment

1 Types of Insurance Policies:

a) Term Plans
2 A term plan is the most basic type of life insurance plan. It is the most cost-effective life insurance product. Unlike other plans that come with an investment or savings component, term plans are products that cover only your life. This means your dependents or nominees get the sum assured on your death. A term plan offers life cover at a very nominal cost. This is due to the fact that term plan premiums include only mortality charges and sales and administration expenses. There is no savings element. 1

2 b) Money Back Plan
A money back plan aims to give you a certain sum of money at regular intervals; simultaneously it also provides you with life cover. Money back plans are especially useful in case you need money at regular intervals for your child’s education, marriage, etc.

1 c) Unit Linked Insurance Plans (ULIPs)
ULIPs basically work like a mutual fund with a life cover thrown in. They invest the premium in market-linked instruments like stocks, corporate bonds and government securities (gsecs). The basic difference between ULIPs and traditional insurance plans is that while traditional plans invest mostly in bonds and gsecs, ULIPs’ mandate is to invest a major portion of their corpus in stocks. However, investments in ULIP should be in tune with the individual’s risk appetite. ULIPs offer flexibility to the policy holder – the policy holder can shift his money between equity and debt in varying proportions.

d) Pension / Retirement Plans
3 Planning for retirement is an important exercise for any individual. A
retirement plan from a life insurance company helps an individual insure his life for a specific sum assured. At the same time, it helps him in accumulating a corpus, which he receives at the time of retirement.

KEY PLAYERS IN THE INDUSTRY

S. S. Kantilla Ishwarlal Securities Pvt. Ltd. (sharekhan.com): Share khan, India’s leading stockbroker is the retail arm of SSKI, and offers you depository services and trade executionfacilities for equities,derivatives and commodities backed with investment advice tempered by decades of broking experience. A research and analysis team is constantly working to track performance and trends. That’s why Share khan has the trading products, which are having one of the highest success rates in the industry. Share khan is having 240 share shops in 110 cities; the largest chain of retail share shops in India is of Share khan. In future, Share khan is planning to enter in Mutual funds, Insurance sector and banking sector to expand beyond the market currently covered by it. And it has started MF (Mutual Funds) on priority basis but wants to grow in it.

ICICI WEB TRADE LTD. (lCICIdirect.com):
ICICIdirect.com was the first entrant into e-broking. ICICdirect.com provides the 3- in-l to the users which ties in their saving bank account and their Demat account to their brokerage account electronically. This integration ensures that money is transferred to/from their bank account and the shares are transferred from/to their Demat account automatically without writing any cheques or transfer instructions while carrying out their trades in shares. ICICldirect.com has the option of trading in shares in cash, margin or spot segments. An investor can also invest in 14 Mutual Funds (Prudential ICICI MF, Franklin Templeton India MF, Alliance Capital MF, 1M MF, Birla Sun Life MF, Sundaram MF, IL&FS MF, Principal MF, HDFC MF, Standard Chartered MF, Reliance Capital MF, Kotak Mahindra MF, TATA MF and DSP MERRILL LYNCH MF) through their trading account.

INDIA BULLS:
India bulls are India’s leading retail financial services company with 77 locations spread across 64 cities. Its size and strong balance sheet allows providing varied products and services at very attractive prices, our over 750 Client Relationship Managers are dedicated to serving your unique needs. India bulls are lead by a highly regarded management team that has invested crores of rupees into a world class Infrastructure that provides real-time service & 24/7 access to all information and products. The India bulls Professional Network offers real-time prices, detailed data and news, intelligent analytics, and electronic trading capabilities, right atyour fingertips. This powerful technology is complementedby our knowledgeable and customer focused Relationship Managers. India bulls offer a full range of financial services and products ranging from Equities, Derivatives, Demat services and Insurance to enhance wealth and to achieve the financial goals.

One of the top-3 stock-broking houses in India, with a dominant position in both institutional and retail broking, MOSt is amongst the best-capitalized firms in the broking industry in terms of net worth. MOSt was founded in 1987 as a small sub- broking unit, with just two people running the show. Focus on customer-first-attitude, ethical and transparent business practices, respect for professionalism, research-based value investing and implementation of cutting-edge technology have enabled it to blossom into a thousand-member team. The institutional business unit has relationships with several leading foreign institutional investors (FIls) in the US, UK, Hong Kong and Singapore. In a recent media report MOSt was rated as one of the top-10 brokers in terms of business transacted for FIls. The retail business unit provides equity investment solutions to more than 50,000 investors through 270 outlets spanning 150 cities and 22 states.

MOSt provides Advice- Based Broking, Portfolio Management Services (PMS), E-Broking Services, Depository Services, Commodities Trading, and IPO and Mutual Fund Investment Advisory Services. Its Value PMS Scheme gave a 160% post-tax return for the year ended March 2004. In Asia Money Brokers Poll 2003 MOSt has been rated as the Best Domestic Research House- Mega Funds, while in 2000 and 2002 it
has been rated as the Best Domestic Equity Research House and Second best amongst Indian Brokerage firms respectively. HDFC SECURITIES LTD (HDFCsec):

HDFC sec is a brand brought to you by HDFC Securities Ltd, which has been promoted by the HDFC Bank & HDFC with the objective of providing the diverse customer base of the HDFC Group and other investors a capability to transact in the Stock Exchanges & other financial market transactions. The services comprise online buying and selling of equity shares on the National Stock Exchange (NSE). Buying and selling of select corporate debt and government securities on the NSE would be introduced in a subsequent phase. In a few months, they will also start offering the following online trading services on the BSE and NSE: Buying and selling of shares on the BSE Arbitrage between NSE & BSE Trading in Derivatives on the NSE Margin trading products. They are also planning to include buying and selling of Mutual Funds, IPQ subscriptions, right issues, purchase of Insurance policies and asset financing. LOANS OFFEREDBY IIFL

HOME LOAN

A new home brings with it new hopes, joys and emotions. IIFL shares new hopes, joys and emotions with there customers. Every customer has a specific and unique concern and our home loan product is customized to provide you solutions for your unique concern. IIFL group has set up India Infoline Housing Finance Ltd. (IIHFL) to offer highly customized facilities of availing Home Loans. They believe that in order to succeed, they need to offer not only competitive products, but also the best possible service and value-added features and benefits. In a market where the basic product is largely similar, the differentiator is our ability to understand the customer’s need completely and structure the value-adds appropriately.

LOANS AGAINST PROPERTY

Need cash for business, children’s education, marriage or any personal use? Have some property in your family or in your name? Would like to leverage your property without giving it on rent or selling it? IIFL brings to you Loan against property (LAP). You can now take a loan against your residential or commercial property, to expand your business, plan a dream wedding, fund your child’s education and much more. You can now depend on us to meet all your business requirement even to purchase a new shop or office for your business.

HEALTH CARE FINANCE

Healthcare Finance is a business vertical dedicated at offering a customized financial solutions to Doctor, Diagnostics Centre, Hospitals, Nursing home etc for their funding needs. With 1.2 beds per 1000 population there is immense growth potential in this segment. Growing incomes, literacy and awareness bode well for the Indian healthcare services market. Considering that 80% of future Investment in Healthcare is expected to come from Pvt Sector, IIFL see a lot of synergies between the Healthcare fraternity and IIFL for mutual growth opportunities.

IIFL is extremely delighted to share that we are present in Healthcare Finance Business. NATIONAL PENSION SYSTEM
All your life, you have worked to support yourself and become self-reliant. In old age, you do want to depend upon others for your sustenance, food, clothes and shelter. Competitors Manapuram gold loan Loan against Gold Ornaments.

Why go for Personal or Business loans when you have the power of gold with you! Get a loan against your gold, in minutes!

Loans up to One Crore rupees.
Draw instant Cash by pledging your Gold Ornaments and Jewellery. Higher loan amounts, depending on purity, net weight of the gold. Choose from a range of schemes; there’s one just right for your needs. Features:

Loans given in as little as five minutes.
Minimum Requirements: Only one recent ID—Voter ID/ Ration Card/ Driving
License/ Passport. No time-consuming formalities involved. Pay interest only for the exact period of loan, and to the exact number of days. Different schemes for different needs, to suit all income groups. No processing fee.

MUTHOOT GOLD LOAN
The Muthoot Gold loan portfolio is the largest in India as well as all around
the globe. It is humbling to know that more than 80,000 people avail our trusted services on a daily basis. For the past 126 years, the company has been serving the interests of customers as its top most priority. Our journey through centuries coupled with the fact that we are still a rapidly growing company highlights the trust and commitment that our customers worldwide have shown in us.

Strengths
Joint venture with other companies help the company to survive in the market.
Team of talented and committed professionals available to improve companies performance. Marketing activity is done by each and every employee in the organization and not only by marketing team itself. Upgraded product design and development facilities to develop new products and aid diversification.

Weakness
Company is not well known to many of the people in the market. Low customer base.
Less marketing in the form of advertising.

Opportunities
IIFL company is in different sectors other than gold which will helpful in future. Company’s growth is aggressive from last 2 years and seems to be continuously growing so this may be the opportunity for organization. The introduction of new emission norms will provide UFSL opportunity to develop injection systems and thereby upgrade the status of the company from product to system supplier.

Threats, Risks & Concerns
Many other NBFC’s are coming into existence now-a-days.
Relentless pressure to maintain profitability due to rising input/raw material prices. Increasing popularity of the competitors like MANNAPURAM & MUTHOOTH FINANCE in terms of gold loan. 4.OPERATIONAL lEARNING

SEVEN P’S OF IIFL

1. PRODUCT

Product Variety
IIFL offer 2 in 1 online trading accounts for its customers specially designed according to their volume in share trading. Those 2 varieties are: Trading account
Demat account
Quality

User Friendly, attractive & colorful Website.
Design
The website of IIFL namely www.iifl.com has been specially designed to facilitate its users to buy and sell shares in an instant at anytime and from anywhere they like. The site is user friendly allowing even a layman to easily operate without any hassles. Services

ICICI securities limited offers its customers, depository services and trade execution facilities for equities, derivatives and commodities backed with investment advice tempered by decades of broking experience. The teams of its dedicated analysts are constantly at work to track performance and trends.

2. PRICE

3. PROMOTION

Online share trading is totally a new concept in Indian Market. Generally investor doesn’t like to come out from conventional way of share trading. ICICI securities limited have introduced this product in India. The concept and Product are still new in the market. Therefore the company has undertaken extensive promotion campaign to create awareness about the product. ICICI securities limited adopt the following tools for promoting the product. Advertising

Company advertises its product through TV media on channels like CNBC, Print Media- in leading dailies and outdoors media. It advertises itself as an innovative Brand for online trading. Besides attractive and colorful brochures as well as posters are used giving full details about the product. Mails are sent to people logging on to sites like moneycontro1.com and rediff.com.Also; stalls are opened up now and then at places where prospective customers can be approached. Sales Promotion

Direct Marketing
Company emphasizes more on direct marketing, as many people are still not aware of this new way of smart trading. For this, the company recruits and trains sales representatives so as to explain the product and solve customer queries related to the product. This is the most effective way to communicate the three-in-one concept which company offers. Telemarketing

This is another promotional tool company is using to boost up its sales. For this, the company collects the database of the people belonging to different professional segments in leading dailies and outdoors media. It advertises itself as an innovative Brand for online trading. Besides attractive and colourful brochures as well as posters are used giving full details about the product

4. PLACE
Locations
IIFL have the largest chain of retail share shops in India. It has branches
located in all over India like Pune, Thane, Chennai, Kolkatta, Bangalore, Luckhnow, , Kanpur, Baroda, Midnapore, Surat, Delhi, Gaziabad, Hydrabad, Allahabad, etc 5. PEOPLE

Employees
Selection: Employees are selected on the basis of their experience and qualification as applicable to the job. Training: Intensive training is provided to the employees till a week once they join and even at times required after that. Motivation: The employees are motivated through incentives they are provided. Customers

The heart of IIFL is really treated loyally like the kings. The customer care, which comprises of highly trained executives operating from 9:30 to 8:00 p.m.

6. PHYSICAL EVIDENCE

Locality of the office
Office Environment
The ambience within the office is what can make the customer feel comfortable in trading. The cordial and friendly atmosphere at office is like a full time motivation for the employees 7. PROCESS

In this service organization, the ways in which the customers receive delivery of the service constitutes the process. Here, the process involves adding ‘value’ or ‘utility’ so that the customers get full satisfaction for the money spent by them. Here the process begins from the step when customer wants to open online trading account and ends when his account is actually activated. All Indian residents and NRI are eligible to avail this service. Customers can open online trading account by filling a single application form.

DATA ANALYSIS AND INTERPRETATION
1) How many times in a year you have emergency requirement of money?

6) Where do you save and invest your money?
Almost 72% of respondents have planned their retirement through various investment options. Whereas others are planning for their retirement.

CHAPTER-5
RESEARCH FINDING & SUGGESTION AND CONCLUSION

FINDINGS

It was found that many customers do not know about the company very well.

Questionnaire framed above helped us that how many people are aware of the Financial products in the market.

It was found out tat since very few knew about the company there was a necessity of advertising and marketing for the company.

India with its estimated gold stock of 20,000 tonnes constituted around 11.7% of the global stock in 2011 and continues to be the largest consumer market for gold despite strong rise in gold prices.

The strong performance of Gold in India positively influenced the Gold loans sector which emerged as a sunshine sector during 20-12, with the leading providers in organised gold loans sector registering highly impressive growth rates ranging between 60-100% during the period.

Our earlier report released in December 2010 captured the undercurrents of change that were expected to shape the competitive landscape of gold loans market over the next few years to come. Since then, the market has evolved significantly as the specialised NBFCs have succeeded in expanding the reach beyond the traditional markets of South India to other regions of the country. Further, several new lenders have made an entry into the segment over the last two years, demonstrating a varying level of commitment to the segment with varied levels of investments in building a branch network and capabilities required to be successful in the gold loans business. SUGGESTION

INDUCTION PROGRAMS must be held for the sales teams before letting them go into the field. In these induction classes the experienced sales staff employees should share their valuable live experiences and knowledge, which they have experienced while in field. Weekly magazines must be published and distributed to the investors that can help them for making better investments. Sales team must be fully equipped with latest technology such as using Laptop that can be used for making presentation to the customers especially to the corporate clients about their product and services provided by them. Make your site user friendly so that more and more people know about trading and do the same also. Advertisement through Canopy, help to generate leads.

Company should advertise with a concern that has a brand name in the market.

CONCLUSION
IIFL deals with many products like home loan, mortgage loan, healthcare equipments, Insurance & gold loan. But the main focus of the company is on gold loan. Since gold is an precious ornament and its value is increasing by day. So they mostly prefer gold loan rather than other loans.BIBLIOGRAPHY
1) How many times in a year you have emergency requirement of money? 0 1 2 3 4 5
2) How do you manage when you require money?
Yes No
(Gold loan is fastest & safest mode of getting money with minimal interest rate with much flexibility)

4) Have you ever used gold loan service?
Yes No

5) What according to you is the safest instrument in Investment & savings? Bank saving a/c Insurance Real Estate Stocks & shares

Fixed Deposit Post Office Others ______________

6) Where do you save and invest your money?

Do you invest in……
How do you invest?

7) What is your approximately Monthly Household Expenses?
>10000 up to 15000 up to 20000 up to 25000 above 30000

8) Do you have your owned house or rented?
Owned Rented
If Rented
When do you plan to buy new house
Amount required to buy house (Budget)

If owned
9) Have you taken any Housing Loan?
Yes No (if yes what is the interest rate _____ %)

10) Have you made any provision for your Retirement?
Yes No