29868526 project report on comp a analysis of different alternative of investments from unicon...

8/6/2019 29868526 Project Report on Comp a Analysis of Different Alternative of Investments From Unicon Investment Soluti…

http://slidepdf.com/reader/full/29868526-project-report-on-comp-a-analysis-of-different-alternative-of-investments 1/107

1

A Project Report On

ANALYSIS OF DEFFERENT INVESTMENT SOLUTIONS

By ARUN N

From GEOJIT BNP PARIBAS

j



2

00534Fax: 03aaaHGHGDDDDDD3-40053410-41

PROJECT REPORT

ON

COMPARATIVE ANALYSIS OF DIFFERENT ALTERNATIVE OF INVESTMENTS

AT

UNICON INVESTMENT SOLUTION

AS A PARTIAL FULFILLMENT FOR THE AWAR D OF MASTER OF BUSINESS ADMINISTRATIO N

SESSION: 2008-2010

Submitted to U.P. TECHNICAL UNIVERSITY, LUCKNOW

PROJECT GUIDE SUBMITTED BY: ~

Mr. Vikas Jain Sayan Das LECTURER MBA- Semester III

MBA Roll No. -0807470076

DEWAN INSTITUTE OF MANGEMENT STUDIES

By-pass Road, PARTAPUR, MEERUT.



3



4



5

Report ACKNOWLEDGEMENT

I am thankful to the management, colleagues and f riends of U NICO N

INVESTMENT SOLUTIO N f or their overwhelming co-oper ation to carry out the academic tr aining wor k .

First of all Mr.Priyank Pandey, sales manager of the company, with whom

permission I have got the opportunity to do my project wor k at the company.

I am very much gr ateful to Prof . J.C.Pant, director of DEWAN INSTITUTE OF

MANAGEMENT STUDIES.

I would ex pressed my gr atitude to our HOD, Prof . Gaur av Kaushik

It would not be fair enough at all if I would not thank Mr.Ashish Mittal f or

providing me the opportunity to do my summer inter nship at U NICO N

INVESTMENT SOLUTIO N.

A big thank s you to my inter nal guide Prof . Manoj Malik faculty co-or dinator f or

continuous co-oper ation and su pport about the tr aining.

Thank you to all the stuff s of the diff erent dept. when I have wor k ed, f or helping

me at the time of need.

Thank to those who have helped me to look through the recor ds and inf ormation

about company, without which I could not complete my project.

Thank s to my co-tr ainees f or their f riendliness and sharing attitude.

(Sayan Das)



6

EXECUTIVE SUMMARY

This project was undertak en to understand the wor k ing of Unicon , in during

summer tr aining, to acquire new clients f or Unicon to lear n mar k eting techniques

and mar k et analysis of investment sector .

The project ref lects inf ormation about product and services off ered by unicon in to

their customer. This also includes requirements and ways to acquire clients. The

procedure of client acquisition has been ex plained and the pro blems faced to

handle the clients.

In mar k et analysis, the gener al public¶s views who are interested to investment

sector are tak en. It contains various investment sectors which is provided by

Unicon.Then I prepared a compar ative analysis among those sectors lik e mutual

fund, insur ance, equty etc. During the tr aining preor d I collect the inf ormation and

facilities about those sectors. Observe the regular u ps and down of investment

mar k et. I also o bserved the str ategy of competitors of unicon.



7

CO NTENT

SL no Topic Page No

1 Objective 11

2 Introduction 12

3 A Study On Marketing

Concept & Tools

13

4 Company Profile 27

5 Location Across India 32

6 Management Team 33

7 Product & Service

Information

35

8 Mission & Vision of the

company

57

9 Literature Review of

Investment

58

10 Research Design 70

11 Methodology of ProjectWork

72

12 Finding in Project Work 75

13 Limitation 93

14 SWOT Analysis 94

15 Conclusion 101

16 Recommendation 103

17 Bibliography 105

18 Questionnaire 106



8

LIST OF FIGURE,TABLE & CHART CO NTENT

FIGURE CO NTENT

Figure no. Particulars Page no

1.1 A Simple Marketing System 15

1.2 Structure of flows in a modern

exchange economy

17

1.3 The four P components of the

Marketing Mix

21

1.4 Marketing-Mix strategy 22

1.5 Contrast between the sales

concepts & Marketing concepts

25

2.1 Location across India of Unicon 32

2.2 Product of Unicon 36



10

CHART CO NTENT

Chart No.

Particulars Page No.

1 Pie chart showing interested

person to invest in any sector

80

2 Bar chart showing preferable

investment sector

83

3 Pei chart showing person

interested to invest in future

84

4 Line chart showing person like

his/her period of investment

86

5 Bar chart showing person

interested to save from his income

88

6 Pie chart showing people like

suitable basis of invest his/her

money

89

7 Area chart showing Tax Paid & non

paid

90

8 Bar chart showing the age of

respondent person towards share

trading

92



11

OBJECTIVES

y To study the wor k ing procedure of Unicon investment solution as a brok ing

house.

y To study the unicon investment solution¶s Competitors¶ weaknesses in

relation to unicon.

y To analyze the product & services of unicon investment solution.

y To lear n the mar k eting techniques that are used to acquire a client , was the

secondary o b jective of the summer tr aining

y To study the wor k ing procedure of unicon investment solution as a other

investment sector lik e mutual fund, insur ance

y To analyze the customer ref lection on investment sector.

y To study on customer portf olio



12

INTRODUCTION

How many times have you thought about becoming a more serious investor in the

investment sector? Perha ps you would lik e to become hotshot investor, but you are

not sure where to start. Investment mar k et tr ading does not have to be f or the

f inancially well versed anymore, you can mak e huge sums of money with

investment mar k et tr ading, with little help.

No one would aspect that Bill Gates would need to read a newsletter technology

trends. Wouldn¶t he, af ter all know the most about these trends, since he¶s in

business f irsthand? Nothing could be further f rom the tr uth. Someone immersed in

the technology business needs most to have the right tools and indicators to the

where the mar k et is heading. If they don¶t stay abreast of coming developments,

their business will suff er.

It¶s essentially the same reasoning with investment mar k et tr ading. No matter what

you sk ill level, the need to stay abreast of mar k et trends and stock per f ormance is

par amount. Luck ily you can access investment mar k et tr ading ex pert advice by

email each day, by subscri bing to investment mar k et tr ading newsletters.

There are numerous investment mar k et tr ading newsletters and resour ces on the

inter net, all attempting to help people become ex perts of online investment tr ading.

It is important to k eep in mind that one can no tr ust all sour ces, as some are just init f ir the quick buck . When choosing an investment newsletter or guide, mak e sure

that the sour ces is legitimate.

Although it is important to stay abreast of the current trends, it is more important to mak e sure that you are not receiving misleading inf ormation.



13

A STDUY ON MARKETING

MARKETING CONCEPTS AND TOOLS

DEFINING MARKETING

We can distinguish between a social and managerial def inition of mar k eting.

Asocial def inition shows the role of mar k eting plays in society. One mar k eter said

that mar k eting¶s role is to ³deliver a higher standar d of living´. Here is a social

def inition that serves our purpose. Marketing is a social process by which

individuals and grou ps o btain what they need and want through creating, off ering,

and f reely exchanging products and services of value with others. For a managerial

def inition, mar k eting has of ten been descri bed as ³the art of selling products,´ but

people are surprised when they hear that the most important part of mar k eting is

not selling! Selling is only the tip of the mar k eting ice ber g.

Peter Drucker, a leading management theorist, puts it this way:



14

There will always, one can assume, be need f or some selling. But the aim of

mar k eting is to mak e selling su per f luous. The aim of mar k eting is to know and

understand the customer so well that the product or service f its him and sells itself .

Ideally, mar k eting should result in a customer who is ready to buy. All that should

be needed then is to mak e the product or service available. The American Mar k eting Association off ers the f ollowing def inition:

Mar k eting is the process of planning and executing the conception, pricing,

promotion, and distri bution of ideas, goods, and services to create exchanges that

satisf y individual and or ganizational goals. Coping with exchange processes calls

f or a consider able amount of wor k and sk ill. Mar k eting management tak es place

when at least one party to a potential exchange think s about the means of achieving

desired responses f rom other parties. We see marketing management as the art

and science of choosing tar get mar k ets and getting, k eeping, and growing

customers through creating, delivering, and communicating su perior customer value.

CO RE MARKETING CO N C EPTS

Mar k eting can be further understood by def ining sever al of its core concepts.

TARGET MARKETS AND SEGMENTATION:- A mar k eter can r arely satisf y

everyone in a mar k et. Not everyone lik es the same sof t drink s, hotel room,

restaur ant, automo bile, college and movie. Theref ore, mar k eters start by dividing

u p the mar k et.

Tr aditionally, a ³mar k et´ was a physical place where buyers and sellers gathered to buy and sell good. Economists now descri be a mar k et as a collection of buyers and



15

Fig.1.1 A simple Marketing System

sellers who tr ansact over a particular product and product class (the housing

mar k et or gr ain mar k et); but mar k eters view the sellers and constituting the

industry and the buyers as constituting the mar k et)

communication

Goods/ Service

Money

information

Industry

(a

collection

of seller)

Market

(a

collection

of

buyers)



16

Today we can distinguish between a marketplace and a marketspace. The

Marketplace is physical, as when one goes shopping in store; marketspace is

digital, as when one goes in shopping on the inter net. Many o bservers believes that

an increased amount of pur chasing will shif t into mar k etspace.

Mohan Sawhney has Proposed the concept of a metamarket to descri be a cluster

of complementary products and services thatare closely relatedin the mind of

consumers but are spread across a diverse set of industries.



17

Fig.1.2 Str ucture of f lows in a moder n exchange economy

MARKETERS AND PROSPECTS: A mar k eter is someone seek ing a

response (attention, a pur chase, a vote, a donation) f rom another party, called the

prospect. If two parties are seek ing to sell something to each other, we call them

both mar k eters.

Resour ces Resour ces

Money Money

Taxes, Services

Goods money

Services,

Money Taxes

Taxes, goods Services

Services, Taxes,

Money goods

Money Money

Goods and services Goods and services

Intermediary

markets

Government

markets

Resource

markets

Customer

markets

Manufacturer

markets



18

NEEDS, WANTS, DEMANDS: The mar k eter must try to understand the

tar get mar k et¶s needs, wants, and demands.

Needs are the basic human requirements. People need f ood, air, water, clothing,

and shelter to survive. People also have strong needs f or recreation, education, and

entertainment.

These needs become Wants when they are directed to specif ic o b jects that might

satisf y the need. An American needs f oods but wants a French f ries, and a sof t

drink . Demands are wants f or specif ic products back ed by an ability to pay. Many

people want Mer cedes; only a f ew are able and willing to buy one. Companies

must measure not only how many people want their product but also how many

would actually be willing and able to buy it.

PRODUCT, OFFERING, AND BRAND: Companies address needs by

putting f orth a value proposition, a set of benef its they off er to customers to

satisf y their needs. The intangi ble value proposition is made physical by an

offering, which can be a com bination of products, services, inf ormation, and

ex periences.

VALUE AND SATISFACTION: The off ering will be successful if it delivers

value and satisfaction to the tar get buyer. The buyer chooses between diff erent

off ering on the basis of which is per ceived to deliver the most value, Value can be



19

seen as primarily a com bination of service, quality, and price, called customer

value triad. Value increases with quality and decreases with price. The mar k eter

can increase the value of the customer off ering in sever al ways:

R aise benef its

Reduce costs

R aise benef its and reduce costs

R aise benef its by more than the r aise in costs

Lower benef its by less than the reduction in costs

MARKETING CHANNELS: To reach a tar get mar k et, the mar k eter uses

three k inds of mar k eting channels, Communication channels deliver and receive

messages f rom tar get buyers, and include newspa per, magazines, r adio, television,

mail, telephone, bill boar ds, posters, f liers, CDs, audiota pes, and the Inter net.

Beyond these, communications are conveyed by facial ex pressions and clothing,

the look of retail stores, and many other media. Distribution channels to displays,

sell, or deliver the physical product or service(s) to the buyer or user. They include

distri butors, wholesalers, retailers, and agents. Service channels to carry out

tr ansactions with potential buyers. Service channels include warehouse,

tr ansportation companies, bank s, and insur ance companies that facilate tr ansaction.



20

Mar k eters clearly face a design pro blem in choosing the best mix of

communication, distri bution, and service channels f or their off erings.

MARKETING ENVIRONMENT Competition represents only one f or ce

in the environment in which the mar k eter oper ates consists of the task environment

and the broad environment.

The task environment includes the immediate actors involved in producing,

distri buting, and promoting the off ering. The main actors are the company,

su ppliers, distri butors, dealer, and tar get customers. Included in the su pplier grou p

are material su ppliers and service su ppliers such as mar k eting resear ch agencies,

advertising agencies, bank ing and insur ance companies, tr ansportation, and

telecommunications companies. Included with distri butors and dealers are agents,

brokers, manufacturer representatives, and others who facilitates and selling to

customers.

The broad environment consists of six components: demogr a phic

environment, economic environment, natur al environmental, technological

environment, political-legal environment, and social cultur al environment.

The marketing program consists of numerous decisions on the mix of

mar k eting tools to use. The marketing mix is the set of mar k eting tools the f irm

uses to pursue its mar k eting o b jectives in the tar get mar k et.



21

Fig.1.3. The four P Components of the Marketing Mix

McCarthy classif ied these tools into f our broad grou ps that he called the f our Ps of

mar k eting: Product, Price, Promotion place. he particular mar k eting variables

under each Pare shown in Fig.1.3. Mar k eting-mix decisions must be made f or

inf luencing the tr ade channels as well as the f inal consumers

Product Place

Pro duct variety Channels

Quality Cover age

Design Price Promotion

Assortments Features List price Sales Promotion Location

Br and name Discounts Advertising Inventory

Packaging Allowances Sales For ce Tr ansport

Sizes Payment period Public relations

Services Credit terms Direct Mar k eting

Marketing mix

Target Market



22

Fig.1.4. Marketing-Mix strategy

Figure 1.4 shows the company preparing an off ering mix of products, services, and

prices, and utilizing a promotion mix of sales promotion,advertising, sales f or ce,

Sales promtion

Advertising

Sales f or ce

Public relations

Direct mail,

Tele mar k eting

& Inter net

Promotion mix

Company

Product

Services

Prices

Off ering mix

Target

customers

Distribution

channels



23

public reletions, directmail, telemar k eting, and Inter net to reach the tr ade channels

and the tar get customers.

PRO DU C T CO N C EPT:

Other businesses are guided by Product concept, which holds that consumers will

favor those products that off er the most quality, per f ormance, or innovative

f eatures. Managers in these or ganizations f ocus on mar k eting su perior products

and improving them over time.

SELLING CO N C EPT:

The selling concept holds the consumers and business, if lef t alone, will or dinarily

not buy enough of the or ganization¶s products. The or ganization must, theref ore,

undertak e an aggressive selling and promotion eff ort. This concept assumes that

consumers typically show buying inertia or resistance and must be coaxed into

buying. It also assumes that the company has a whole battery of eff ective selling

and promotion tools to stimulate more buying.

The selling concept is pr acticed most aggressively with unsought goods, goods that

buyers normally do not think of buying, such as insur ance, encyclopedias, and

funer al plots.



24

Most f irms pr actice the selling concept when they have over ca pacity. Their

aim is to sell what they mak e r ather than mak e what the mar k et want. In moder n

industrial economies, productive ca pacity has been build u p to a point where most

mar k ets are buyer mar k ets (the buyers are dominant) and seller have to scr am ble

f or customers.

MARKETING CO N C EPT:

The mar k eting concept holds that the k ey to achieving its or ganizational goals

consists of the company being more eff ective than competitors in creating,

delivering, and communicating su perior customer value to its chosen tar get

mar k ets. It crystallized in the mid-1950s and has been ex pressed in many color ful

ways:

y ³Meeting needs prof itably.´

y ³Find wants and f ill them.´

y ³Love the customer, not the product.´

y ³have it your way.´ (Bur ger K ing)

y ³you¶re the boss.´(United Airlines )

y ³Putting people f irst.´ (British Airlines)

y ³Partners f or prof it.´ (Millik en & Company).



26

The mar k eting concept rests on f our pillars: tar get mar k et, customer needs,

integr ated mar k eting, and prof itability. They are illustr ated in f ig.1.5, where they

are contr asted with a selling orientation. The selling concepts tak e an inside-out

perspective. It starts with the factory, f ocuses on existing products, and calls f or

heavy selling and promoting to produce prof itable sales. The mar k eting concept

tak es an outside-in perspective. It starts with well-def ined mar k et, f ocuses on

customer needs, coor dinates all the activates that will aff ect customers, and

produces prof its by satisf ying customers.



27

COMPANY PROFILE



28

NAME OF THE COMPANY: U NICO N INVESTMENT SOLUTIO N

ADRESS: Delhi Corpor ate off ice

Unicon Investment Solutions

P 45/90 1st, 2nd, 3r d Floor,

Connaught Place,

New Delhi -110001

Mum bai Corpor ate Off ice

Unicon Investment Solution

Ground Floor, Jhawar House Building 285,

Princess Street,

Mum bai-400002

K olkata regional off ice

Unicon Investment Solution

56 Hemant Basu Sar ani, Stephen House,

4th

Floor, O pp-B.B.D Bagh Bus Stand,

K olkata-700001.



29

PHONE NO.: 011 - 43529700 / 400 / 500(Delhi Corpor ate off ice)

022-66181200 / 100(Mum bai Corpor ate Off ice)

033-4005437/424(K olkata regional off ice)

EMAIL ID: [email protected]

WEBSITE: www.uniconindia.in

Unicon has been f ounded with the aim of providing world class investing

ex perience to hitherto underserved investor community. The technology today has

made it possi ble to reach out to the last person in the f inancial mar k et and give him

the same level of service which was available to only the selected f ew.

We give personalized premium service with reasonable commissions on the NSE,

BSE & Derivative mar k et through our Equity brok ing arm Unicon Securities Pvt.

Ltd. With our sophisticated technology you can tr ade through your computer and if

you want human touch you can also deal through our Relationship Managers out of

our more than 100 br anches spread across the nation.

U NICO N is a f inancial services company which has emer ged as a one-stop

investment solutions provider. It was f ounded in 2004 by two visionary and

f lam boyant entrepreneurs, Mr. Ga jendr a Nag pal and Mr. R am M. Gu pta, who



30

possess ex pertise in the f ield of Finance. The company is headquartered in New

Delhi, and has its Corpor ate off ice in Mum bai with regional off ices in K olkata,

Chennai, Hyder abad and Noida

U NICO N is a prof essionally managed company, lead by a team with outstanding

managerial acumen and cumulative ex perience of more than 200 years in the

f inancial mar k ets. The company is su pported by more than 3500 Uniconians and

has an extensive networ k of over 100 br anches, 600 plus business partner locations

& 2500 remisers providing it with a national f ootprint.

With a customer base of over 200,000, the U NICO N Grou p has an eye f or the

intricate f inancial needs of its clients and caters to both their short term and long

term f inancial needs through a comprehensive bouquet of investment services.

These services r ange f rom off line & online tr ading in equity, commodities and

currency derivatives to de bt mar k ets to corpor ate f inance and portf olio

management services. The company has a sizable presence in the distri bution of

3r d party f inancial products lik e mutual funds, insur ance products and property

brok ing. It also provides ex pert Advisory on Lif e Insur ance, Gener al Insur ance,

Mutual Funds and IPO¶s. The distri bution networ k is back ed by in-house back

off ice su pport to provide prompt and eff icient customer service



31

The Equity brok ing arm ± U NICO N Securities Pvt. Ltd off ers personalized

premium services on the NSE, BSE & Derivatives mar k et. The Commodity

brok ing arm Unicon Commodities Pvt. Ltd off ers services in Commodity tr ading

on NCDEX and MCX. The U NICO N grou p also has a PCG division providing

investments solutions f or High Net Worth Individuals. The Corpor ate Advisory

Services arm ± Unicon nk ing services to corpor ates.

U NICO N can boast of some of the most respected names in the Private Equity

space lik e Sequoia Ca pital and Nexus India Ca pital as its share holders.



32

FIG:2.1 LOCATION ACROSS INDIA OF UNICON



33

Management Team

Mr. Ga jendr a Nag pal

Founder & CEO

Mr. R am M Gu pta

Co-Founder & President

Mr. Y.P. Nar ang

Head - Fixed Income Grou p

Mr. Sandeep Aror a

Chief O per ating Off icer

Mr. Vikas Mallan

Chief Financial Off icer,

Head ± Distri bution

Mr. Subhash Nag pal



34

Director - Str ategic

Planning & Distri bution

Ms. Deepa Mohamed

Head -HR & Tr aining

Ms. An jali Muk hija

Chief Compliance Off icer

Mr. Vijay Chopr a

National Head (Business Alliances)

Mr. Anur ag Nayar

Chief Technology Off icer

Mr. Ashish Kuk reja

Head H NI Client Relation



35

PRODUCT & SERVICE INFORMATION



36

Unicon customers have the advantage of tr ading in all the mar k et segments

together in the same window, as we understand the need of tr ansactions to be

executed with high speed and reduced time. At the same time, they have the

advantage of having all Advisory Services f or Lif e Insur ance, Gener al Insur ance,

Mutual Funds and IPO¶s also.Unicon is a customer f ocused f inancial

Fig no 2.2-Product of Unicon



37

services or ganization providing a r ange of investment solutions to our customers.

We wor k with clients to meet their over all investment o b jectives

and achieve their f inancial goals. Our clients have the opportunity to get

personalized services depending on their investment prof iles. Our personalized

a pproach enables clients to achieve their Total Investment Ob jectives.

Equity

Commodity

Depository

Distri bution

NRI Services

Back Off ice

Fixed Income

Investment Bank ing



38

EQUITY

UniconPlus

Browser based tr ading terminal that can be accessed by a unique ID and passwor d.

This facility is available to all our online customers the moment they get registered

with us.

Features:

Tr ading at NSE,BSE and Derivatives on single screen.

Add multiple scrips on the mar k et watch.

Greater ex posure f or tr ading on the available mar gin.

Common window f or display of mar k et watch and or der execution.

Real time u pdating of ex posure and portf olio while tr ading.

Off line or der placement facility.

Stop-loss f eature.



39

Competitive Brok er ages.

Bank ing integr ation with ICICI Bank , HDFC Bank & Axis Bank .

Proxy link to enable tr ading behind f irewalls.

UniconSwift

Application based terminal f or active tr aders. It provides better speed, greater

analytical f eatures & priority access to Relationship Managers.

Features:

Tr ading at NSE,BSE and Derivatives on single screen.

Add any num ber of scrips in the Mar k et Watch.

Tick by tick live u pdation of Intr aday chart.

Greater ex posure f or tr ading on the mar gin available

Common window f or mar k et watch and or der execution.

K ey boar d driven short cuts f or punching or ders quick ly.

Real time u pdation of ex posure and portf olio.

Facility to customize any num ber of portf olios & watch lists.

Mar k et depth, i.e. Best 5 bids and off ers, u pdated live f or all scripts.

Facility to cancel all pending or ders with a single click .

Instant tr ade conf irmations.



40

Bank ing integr ation with ICICI Bank , HDFC Bank & Axis Bank ,& Bank of

India,& Corpor ation Bank , & Kar nataka Bank , & Oriental bank of

Commer ce, & South Indian Bank , & Vijay Bank and Yes Bank .

Stop-loss f eature.

s

Commodity

Unicon off ers a unique f eature of a single screen tr ading platf orm in MCX and

NCDEX.Unicon off ers both Off line & Online tr ading platf orms. You can Walk in

or place your or ders through telephone at any of our br anch locations

Online Commodity Inter net tr ading Platf orm through UniFlex.

Live Mar k et Watch f or commodity mar k et ( NCDEX, MCX) in one

screen.

Add any num ber of scrips in the Mar k et Watch.

Tick by tick live u pdation of Intr aday chart.

Greater ex posure f or tr ading on the mar gin available Common window f or mar k et watch and or der execution.

K ey boar d driven short cuts f or punching or ders quick ly.

Real time u pdation of ex posure and portf olio. Facility to customize any num ber of portf olios & watchlists.

Mar k et depth, i.e. Best 5 bids and off ers, u pdated live f or all scripts.



41

Facility to cancel all pending or ders with a single click .

Instant tr ade conf irmations.

Stop-loss f eature.

Depository

Unicon Depository Services off ers dematerialization services as a

participant in Centr al Depository Services Limited (CDSL), through its

Depository oper ations. The company believes in eff icient and cost-eff ective

and integr ated service su pport to its brok er age business. Unicon Securities

Private Limited, as a depository participant, will off er depository accounts

f or individual investors as well as corpor ates which will enable them to

tr ansact in the dematerialized segment, without any hassles.

Depository off er a saf e, convenient way to hold securities as compared to

holding securities in pa per f orm. Our service provides an integr ated single

platf orm f or all our clients ensuring a risk f ree, eff icient and prompt



42

depository process.

Facilities Off ered by Unicon

* De-materialization:

You can submit your physical shares at the Unicon br anch f or

dematerialization into electronic f orm.

* Re-materialization:

You can also request f or Re-materialization which enables you to convert

the dematerialized shares into physical f orm.

* Tr ansf er :

Inter and intr a depository services are available through which you can

tr ansf er shares.

* IPO:

You can a pply f or IPO using your demat account details and on allotment

the securities are tr ansf erred directly to your demat account.

* Corpor ate Actions:



43

While holding your stock in demat account, in case you are eligi ble f or

any bonus and rights issues the allotment would be tr ansf erred to your

demat account.

* Easi:

You can view your demat account over the Inter net and avail a host of

services. This facility empowers our clients to view, download, print

u pdated holdings with respective valuations.

* Estock Login Process:-

Enter your client id as your Demat account num ber.

The passwor d would be your bank account num ber link ed with your

Demat account.

Please change the passwor d as soon as you login. This is in your own

interest and security.



44

Distribution

Unicon is fast emer ging as a leader in the Insur ance and Mutual Funds

distri bution space. Unicon has over 100 br anches and a huge num ber o

³Business Development Executives´ who help to sour ce and service the

customers throughout the country. Unicon is fast becoming the pref erred

³Vendor Independent´ distri bution houses because of providing eff icient

service lik e f ree pick-u p of collection of cheques/DD¶s, K eeping tr ack of the

premiums etc to its customers.

Unicon off ers the f ollowing distri bution products:-

IPO's

Mutual Funds

Insur ance

Properties



45

IPO

At Unicon you can invest in the Primary mar k ets (Initial Public Off erings)

online without going through the hassles of f illing u p any IPO a pplication

f orms or any other pa perwor k .

We shall mak e sure that you do not miss the opportunity to subscri be/invest in

a good IPO issue by providing you an online IPO a pplication f orm, tr ansf er o

funds online through secured payment Gateways of leading bank s lik e ICICI,

HDFC, AXIS bank .

In addition to the above we shall provide you with the In-Depth analysis of the

IPO issues which shall be hitting the Indian Mar k ets in near future, IPO

Calendar, analysis on the recent IPO listings, prospectus, off er documents andother IPO resear ch reports so as to help you tak e an inf ormed decision to invest in the IPO issues.

Online IPO facility is open to all our registered clients at no cost whatsoever. All you need is the f ollowing to subscri be online to the IPO issues:

A tr ading account with Unicon

A Demat account with Unicon

An access to the net bank ing facility with the Bank s through which

Unicon has oper ational Gateway facility (ICICI, HDFC and AXIS

Bank ).

You must have signed a Power of Attor ney (POA) agreement

f or a pplying in IPO¶s online.



46

Mutual Fund

Unicon Provides ex pert advice to its clients f or their investments in equity &

de bt mar k ets through Mutual Funds.

Our ex perts advice you the best investment solutions that suit you and help you

to reach your f inancial goals.

We help you ascertain your risk prof ile & guide you with the right product mix

which reduce your tax liability, increase your savings & enhance your wealth.

Whether you have a conservative, medium or aggressive investment risk

a ppetite, our ex perts would guide you to build a portf olio to optimize the retur n

of interest

Classif ication of mutual fund :

1. By str ucture

O pen-ended scheme

Closed-ended scheme

Interval schemes



47

2. By investment o b jective

Growth schemes

Income schemes

Balanced schemes

Money mar k et schemes

3. By Other Schemes

Tax saving schemes

Special schemes

Index Schemes

Sector specif ic schemes



48

Insurance

Unicon off ers all products of Gener al Insur ance under one um brella. Unicon

comprises of a team of distinguished prof essionals f rom insur ance, f inance and

other management disciplines who have vast business & managerial

ex perience.

Unicon team evaluates the client's business environment and studies the risk

prof ile. based on the results of these evaluations, Unicon team then suggests the

most cost eff ective , integr ated insur ance package that is per f ectly suited to the

client's risk prof ile.

Unicon has a nationwide networ k of br anches all over India, equipped with top

quality inf r astr ucture facilities, to provide you prompt & eff icient service.

Lif e Insur ance

Unicon off ers you a Peace of Mind by off ering various lif e insur ance plans f or

your unique & specif ic needs. Our philosophy is that f or every f inancial

pro blem, there is a solution also. And we are here to give you complete

f inancial solutions. At the same time we off er you very Prompt & Reliable



49

Policy related service f or enduring relationship.

We off er a very wide r ange of products to fulf ill your particular requirements.

You can always have an access to our 83 Br anch Off ices situated at prime

locations of the city, or you can call our Relationship Manager to guide on your

Investments.

Following is the glimpse of Lif e Insur ance Plans

Protection Plan

Investment Plans

Child Plans

Retirement/Pension Plans

Saving Plans

NRI Plans

Health Plans



50

PropertiesUnicon is a specialized property brok ing company. Our highly ex perienced and

prof essional teams, present retail, off ice, industrial and residential property

opportunities to a broad base of clients. Whether it is a residential or

commer cial development, Unicon off ers a total solution to our clients inclusive

of mar k et resear ch, mar k eting str ategy, inter action with the prof essional teams

and sales or leasing of the property.

Unicon¶s prof essional team of consultants will assist you to identif y suitable

premises that satisf y your requirements. We will help you negotiate favor able

leases and assist with the prepar ation of all documentation.

³Whether you are look ing f or a home or a place to conduct business Unicon

shall f ind you one´



51

NRI Services

With India becoming the epicentre of growth the Glo bal Indian f eels the need to

be connected to the domestic growth story.

Unicon now off ers a convenient and hassle-f ree way of Investing in the Indian

Securities Mar k et to the people who are living outside India and wish to

participate in the Indian Growth story.

Procedure f or NRI oper ations in Indian Ca pital Mar k ets:-

The NRI can deal with only one bank at any point of time.

He is allowed to invest only 5% of the paid u p ca pital of a company. The

aggregate paid u p value of equity of any company pur chased by all NRI's

and OCBs cannot exceed 10 per cent of the paid u p ca pital of the

company and in the case of converti ble de bentures, the aggregate paid u p

value of each series of de bentures pur chased by all NRI's and OCBs



52

cannot exceed 10 % of the paid u p value of each series of converti ble

de bentures.

He can enter only into delivery based tr ades, all deliveries must only be

routed through benef iciary accounts and not directly through the brok er.

Shares bought by him cannot be sold unless the payout of the same is

received f rom exchange.

All pur chase and sale tr ansactions have to be reported to the R BI by the

designated bank .

Original brok ers contr act notes have to be submitted to the designatedBank br anch, within 24 hours of the tr ansaction.

He will be required to mak e bill to bill payments/ settlements. No ad justments of pur chase against sale consider ation should be done.

Shares cannot be bought against the shares sold in the same settlement.

All Pur chase and Sales will be dealt separ ately f or payments / receipts.

Sale proceeds of any tr ansaction not reported/a pproved by the R BI is

allowed to be credited to the NRE/ NR O savings/demat account. The

tr ansaction will have to be reversed in the account and losses if any will

be bor ne by the client.

All tax liabilities arising out of buying and selling of securities will be handled by the designated bank



53

Back Office

Unicon through its online back-off ice aims to increase the

tr ansparency and provides you the link to view the details of

your account online anytime and anywhere.

Here you have the advantage of viewing the f ollowing

reports online:

Sauda Details

Financial Ledger

Net position f or the day

Net position Detail (f or the complete f inancial year)



54

Fixed IncomeOff erings

The Fixed income vertical of U NICO N Grou p deals in Sovereign Pa per and

Money Mar k et/Fixed Income Instr uments Broadly, it undertak es f ollowing:

Dealing in all types of money mar k et instr uments viz. Commer cial pa per

(Origination & Placement), Certif icate of Deposit and Treasury Bills both in

Primary and Secondary mar k et.

Dealing in Gover nment securities (including securities of Oil, Fertilizer &

Food Bonds) and other PSU/ Corpor ate bonds with counterparties lik e

Bank s, Primary Dealers, Mutual Funds, Insur ance Companies, Regional

R ur al Bank s, Cooper ative Bank s, Centr al & State PSUs, Housing Finance

Companies, NBFCs & Corpor ates.

Retailing of Centr al, State Gover nment Securities and Bonds to PF Tr usts,

Universities

Advisory Services to PF Tr usts. Arr angers f or Private placement of Bonds & placing it with Bank s, Mutual

funds, Insur ance Companies & Corpor ates.

Securitization of receivable portf olio of Housing Finance Companies, Bank s & NBFCs by way of Pass through certif icates.



55

Investment Banking Overview

The Investment Bank ing arm of Unicon Ca pital Services (P) Ltd. caters to the

funding requirements of corpor ates. Our wide ex perience and mar k et knowledge as

a leading securities f irm ensures that clients¶ requirements are met at optimum

cost. By constantly improving our knowledge ca pital and remaining f ocused on

client needs, we aim to create signif icant value f or our clients by helping them

execute the right ca pitalization str ategy. We also intend to initiate mer chant

bank ing services (Ca pital Mar k ets Fundr aising) in the short term (Mer chant

Bank ing License pending)

Off erings

P rivate Equity ( P E) Syndication

We specialize in the syndication of the private equity f or the Indian companies in

high-growth mar k ets on their ca pitalization/re-ca pitalization str ategies, which

helps them to achieve their growth tar gets. Our team of prof essionals ensures

complete conf identiality, strong f ocus on implementation and quick tur naround



56

time. Access to k ey decision mak ers at PE funds gives us an edge in optimal

str ucturing and eff icient closure of tr ansactions. We service our clients through

various stages of the PE deal namely collater al prepar ation, investor shortlisting,

commer cial term sheet, due diligence and f inal closure.

M ergers & Acquisitions( M &A) Advisory

We provide both buy-side and sell-side advisory services as part of our M&A

advisory off ering. We advise clients during the entire tr ansaction process right

f rom tar get identif ication to deal closure. We have an ex perienced and highly

qualif ied team with more than 40+ man-years of ex perience which specializes in

identif ication and short listing of potential tar gets, str ategic planning of an

acquisition and arr anging ca pital f or the tr ansaction, if needed.

De bt Syndication

Our off erings include:

Project Finance / Term Loans f or Ex pansion - Arr anging Long-term loans

f or setting u p new projects f rom Financial Institutions and Bank s

Exter nal Commer cial Borrowings (ECBs) - Arr anging LIBOR -link ed loans

Foreign Currency Converti ble Bonds (FCCB)-Arr anging FCCB Loans

Wor k ing Ca pital Facilities - Arr anging fund-based and non-fund basedlimits f or clients f rom Bank s at competitive r ates

Tr ade Finance - Arr angement of tr ade f inance (Buyer 's / Su pplier ¶s Credit)

Inter -Corpor ate Deposits ± Borrowing and Placement



57

Mission & Vision of The Company

Mission :

To create long term value by empowering individual investors through su perior

f inancial services su pported by culture based on highest level of teamwor k ,

eff iciency and integrity.

Vision :

To provide the most useful and ethical Investment Solutions - guided by values

driven a pproach to growth, client service and employee development.



58

LITERATURE REVIEW OF INVESTMENT



59

WHAT IS INVESTMENT?

Definition 1

In f inance, the pur chase of a f inancial product or other item of value with an

ex pectation of favor able future retur ns. In gener al terms, investment means the use

money in the hope of mak ing more money.

Definition 2

In business, the pur chase by a producer of a physical good, such as dur able

equipment or inventory, in the hope of improving future business.

WHO IS THE INVESTOR?

An individual who commits money to investment products with the ex pectation of

f inancial retur n. Gener ally, the primary concer n of an investor is to minimize risk

while maximizing retur n, as opposed to a speculator, who is willing to accept a

higher level of risk in the hopes of collecting higher -than-aver age prof its.

WHAT IS INVESTMENT MARKET?

The place where the customers are able to invest their money through a thir d party

in various type of sector lik e stock , mutual fund, bond etc. with a willing of a

retur n of a good prof it. It o bviously may be a loss of retur n.



60

TYPES OF INVESTMENT

y Equity

y Mutual fund

y Insur ance

y Commodity

y Property

y Depository

y IPO

y Real estate

y Fixed income

y Bond

EQUITY

Equities are a type of security that represents the ownership in a company.

Equities are tr aded (bought and sold) in stock mar k ets. Alter natively, they can be

pur chased via the Initial Public Off ering (IPO) route, i.e. directly f rom the

company. Investing in equities is a good long-term investment option as the

retur ns on equities over a long time horizon are gener ally higher than most other

investment avenues. However, along with the possi bility of greater retur ns comes

greater risk .



61

MUTUAL FUND

A mutual fund allows a grou p of people to pool their money together and have it

prof essionally managed, in k eeping with a predetermined investment o b jective.

This investment avenue is popular because of its cost-eff iciency, risk-

diversif ication, prof essional management and sound regulation. You can invest as

little as Rs. 1,000 per month in a mutual fund. There are various gener al and

thematic mutual funds to choose f rom and the risk and retur n possi bilities vary

accor dingly.

INSURANCE

In law and economics, is a f orm of risk management primarily used to hedge

against the risk of a contingent loss. Insur ance is def ined as the equitable tr ansf er

of the risk of a loss, f rom one entity to another, in exchange f or a premium, and

can be thought of as a guar anteed and known small loss to prevent a lar ge,

possi bly devastating loss. An insurer is a company selling the insur ance; an

insured or policyholder is the person or entity buying the insur ance. The insur ance

r ate is a factor used to determine the amount to be char ged f or a certain amount of

insur ance cover age, called the premium. Risk management, the pr actice of

a ppr aising and controlling risk , has evolved as a discrete f ield of study and

pr actice.



62

COMMODITY

A commodity is some good f or which there demand is, but which is su pplied

without qualitative diff erentiation across a mar k et. It is a product that is the same

no matter who produces it, such as petroleum, note book pa per, or milk .[1] In other

wor ds, copper is copper. The price of copper is universal, and f luctuates daily

based on glo bal su pply and demand. Stereos, on the other hand, have many levels

of quality. And, the better a stereo is [per ceived to be], the more it will cost.

One of the char acteristics of a commodity good is that its price is determined as a

function of its mar k et as a whole. Well-established physical commodities have

actively tr aded spot and derivative mar k ets. Gener ally, these are basic resour ces

and agricultur al products such as iron ore, cr ude oil, coal, ethanol, salt, sugar,

coff ee beans, soy beans, aluminum, rice, wheat, gold and silver.

Commoditization occurs as a goods or services mar k et loses diff erentiation across

its su pply

PROPERTY

In the book , Pierre-Joseph Proudhon most famously declared that ³ property is

thef t´. Proudhon believed that the common conception of property conf lated two



63

distinct components which, once identif ied, demonstr ated the diff erence between

property used to further tyr anny and property used to protect li berty. He ar gued

that the result of an individual's labor which is currently occu pied or used is a

legitimate f orm of property. Thus, he opposed unused land being regar ded as

property, believing that land can only be rightfully possessed by use or occu pation

(which he called " possession"). As an extension of his belief that legitimate

property ( possession) was the result of labor and occu pation, he ar gued against

such institutions as interest on loans and rent.

DEPOSITRY

Investing in bank or post-off ice deposits is a very common way of securing surplus

funds. These instr uments are at the low end of the risk-retur n spectr um.

IPO

IPO stands f or Initial Public Off ering. As the name suggests it¶s the process

wherein a company goes to public f or the f irst time f or r aising money by off ering

ownership in the company. In this process a private limited company becomes

Public Limited Company.

The main aim of coming to IPO is to r aise funds f or ex panding the business. The

str ucture of a public limited company is diff erent f rom that of a privately held



64

company. Once it becomes public it must disclose its f inancial reports on a regular

basis (In most cases, Quarterly) to public. It has to a ppoint share holders elected

directors who tak e k ey decisions of business. But if the promoter holds ma jor

per centage he still can inf luence the decisions.

It does not need to pay interest on the ca pital r aised f rom Public. Even it doesn¶t

need to repay the ca pital. Only in case of liquidation/bank r u ptcy it needs to pay the

residual amount af ter paying bank loans, de bentures, pref erential shares etc.

REAL ESTATE

Real estate is a legal term (in some jurisdictions, notably in the USA, United

K ingdom, Canada, and Austr alia) that encompasses land along with anything

permanently aff ixed to the land, such as buildings, specif ically property that is

f ixed in location.[1] Real estate law is the body of regulations and legal codes

which pertain to such matters under a particular jurisdiction and include things

such as commer cial and residential real property tr ansactions. Real estate is of ten

considered synonymous with real property (also sometimes called realty), in

contr ast with personal property (also sometimes called chattel or personalty under

chattel law or personal property law).

FIXED INCOME



65

A type of investing or budgeting style f or which real retur n r ates or periodic

income is received at regular intervals at reasonably predictable levels. Fixed-

income budgeters and investors are of ten one and the same - typically retired

individuals who rely on their investments to provide a regular, stable income

stream. This demogr a phic tends to invest heavily in f ixed-income investments

because of the reliable retur ns they off er.

Individuals who live on set amounts of periodically paid income face the risk that

inf lation will erode their spending power. Fixed-income investors receive set,

regular payments that face the same inf lation risk .

The most common type of f ixed-income security is the bond; bonds are issued by

f eder al gover nments, local municipalities or ma jor corpor ations.

BOND

Bonds are f ixed income instr uments which are issued f or the purpose of r aising

ca pital. Both private entities, such as companies, f inancial institutions, and the

centr al or state gover nment and other gover nment institutions use this instr ument

as a means of gar nering funds. Bonds issued by the Gover nment carry the lowest

level of risk but could deliver fair retur ns.

INVESTMENT STRATEGY



66

An investor 's plan of distri buting assets among various investments, tak ing into

consider ation such factors as individual goals, risk toler ance and horizon.

4 TIPS ON INVESTMENT STRATEGY BY UNICON

Per f ect stance, per f ect strok e

Future proof investment

Adding color to investment

Empowering investment

In the glo balised Indian mar k et when sphere of the mar k et is growing day by day it

is in absolute necessity f or any investor (may be an individual or corpor ate sale)to

tak e careful steps so as to avoid any pitfulys.So the only solution ³Right action f or

right time´. As if India is still considered a 3r d

wor d country so ex posure to

opportunities is still considered a canopy in the desert .Theref ore timing is

necessary and the extent of investment is what matters the most.



67

This is no tak ing parrot who can predict the future because the future is uncertain.

This nature is future is what mak es the investment all the more risk y. Anywise

investor should be well acquainted with his limitation. He should know how much

he can invest so that if any future loss occurs he can easily mak es his way out of

that. A very saf e of investment is long term. In this way future can be secure well

in advance.



69

This topic may be called a collective concept of above point. How can any investor

string than his investment? Simply be investing at right time at right place and gain

f rom the mar k et irrespective of its nature example-bull or bear. A good and strong

investment may be called with a decent share portf olio. Long term investment

should always be encour aged because they are less prone to risk



70

RESEARCH DESIGN



71

Why did I choose this Company?

There had been many reasons f or opting to conduct this survey in this company.

One of the prime reasons is that the company administr ation was very co-oper ative

and su pportive. It has a good reputation in mar k et. So ,I think it is a great

opportunity to me to lear n the administr ative wor k to mak e a good position of

company in competitive mar k et.

Why did I choose Marketing?

The company is a body with various departments as their body parts/or gans. The

mar k eting department is the br ain of a company. Mar k eting is typically seen as the

task of creating, promoting, and delivering goods and services to consumers and

business. Eff ective mar k eting can tak e many f orms: It can be entrepreneurial,

f ormulated, or entrepreneurial; and mar k eters are involved in mar k eting many

types of entities: goods, services, ex periences, events, persons, places, properties,

or ganizations, inf ormation, and ideas. Mar k eting has the aim of building long-

term, mutually satisf ying relations with k ey parties-customers, su ppliers, and

distri butions-in or der to ear n and retain their long-term pref erence and business.

Mar k eting is the building of a unique company asset called a mar k eting networ k .

The mar k eting concepts hold that the k ey to achieving or ganizational goals

consists of deterring the needs and wants of tar get mar k ets and delivering the

desired satisfactions more eff ectively and eff iciently than competitors. It starts with

a well-def ined mar k et, f ocuses on customer needs, coor dinates all the activities

that will aff ect customers, and produces prof its by satisf ying customers.



72

RESEARCH METHODOLOGY OF PROJECT WORK



73

Research Methodology can be def ined as:

1. "the analysis of the principles of methods, r ules, and postulates employed by

a discipline"

2. "the systematic study of methods that are, can be, or have been a pplied

within a discipline";

3. "a particular procedure or set of procedures."

DATA SOURCES: primary data, secondary data.

PRIMARY DATA

Primary data is data that is collected f or the f irst time in the processing of the

analysis

y View point of Gener al public of a famous corpor ate sector of K olkata named

sector -v, salt lak e

y Knowledge of team manager of unicon investment solution

y Knowledge of employees of unicon investment solution

SECONDORY DATA:

Under secondary sour ces, we collect inf ormation f rom inter nal and exter nal

sour ces. We made use of inter net

www.uniconindia.in

www.google.com

And miscellaneous sour ces (such as brochures, pamphlets, li br ary) under exter nal sour ces.



74

Population:

The population f or the study is gener al public of a famous corpor ate area in

K olkata named sector -v during the survey period, extending f rom June 25, 2009

to August 18, 2009. During the survey period, a total of 65 people were ask ed

sever al questions.

The people were given eight questions about interest in investment, pref er able

investment sector, future plan f or investment, period of investment, volume of

savings f rom income, basis of investment, tax payment, annual income etc.each

question have 4-5 option. Many people choose 1 or more option of same question.

so f irst of all I count the the answer of sever al question ,then I calculate the

per centage of collected data. Then I was put the data in diff erent type of chart to

understand collected data easily. A sample questioner is attached at below. By

analyzing the collected data I understood about the investment mar k et. I was also

understood about the view point of customer u pon investment sector.



75

FINDINGS IN PROJECT WORK



76

In calculating Mar k eting in investment sector I have considered the opinion of 65

people

Interest in investment:

People were ask ed if they are invested or not. Out of 65, 44 people say yes they are

already invest, and only 21 person say no they are not invested right now.

Preferable investing sector:

People were ask ed about their pref er able investing sector among equity, mutual

fund, insur ance, and other sector lik e real estate, ulip, fd etc. here the many

respondent choose more than 1 option. The results are f ollowing:

Equity : 14 respondents

Mutual fund : 19 respondents

Insur ance : 27 respondents

Others : 04 respondents

Total : 64 respondents



77

Interest on future investing:

People were ask ed if they have any interest to invest in future. 31 persons said that

yes they are invest in future but 17 persons said no they have no interest to invest

in future.

Period of investing:

People are ask ed about their term of investment.5 option were given. The results

show below:

1-5yrs. : 21 respondents





Savings from income:

People were ask ed with 4 options about their volume of savings f rom income. The

results show below:

5%-10% :09 respondents



78



20% & above : 11 respondents


Basis of investing:

People were ask ed how was they invest their money among 4 option of Monthly,

quarterly, half-yearly, yearly. Results show below:

Monthly : 22 respondents

Quarterly : 10 respondents

Half-yearly : 07 respondents

Yearly : 18 respondents


Tax payments:

People were ask ed if he/she paid any tax f or his or her investment. 42 persons were

responds of this question.25 said yes and 17 said no they were not paying any tax.

Age wise analyzed of interested person of equity market:



79

During the survey period I was meet diff erent people of sever al ages. Here I saw

the young gener ation and middle aged people are more interest on equity mar k et.

Because they are newly joined the corpor ate, and they are loved to tak ing risk

because they have enough time to recover if any loss will ha ppened.

ANALYSIS OF FINDINGS

By analyzing the collected data now I have a clear idea about the investment

sector, that where is the risk factor, where is the instant profit, which is the

better between long-term and short term investment, preferable basis of

investment etc.

Interest in investment:

67.70% respondents said that they are already invest their money to the investment

sector lik e equity, mutual fund, insur ance etc. and only 32.30% respondents they

have no interest to invest their money right now. But among those 32.30% many

are said that they are invest their money at near future. By this analyze I

understood that a ma jor part of society are interest to invest their money, because

they want to secure their lif e, they are also not depend on their salary. They want to

open a extr a income by the investment sector.



80

Table No.1 showing interested in investment sector

Interest % of population No of person

Yes 67.70 43

No 32.30 21

Chart No.1 Pie chart showing interested person to invest in any sector

67.7

32.3

Yes No



81

Preferable investment sector:

There are many investment sector lik e equity, mutual fund, insur ance,others lik e

ulip,real easte etc. In equity mar k et there are prof it may come in short time. It

depends on sensex/nif ty point. The points have no certainty. To invest in this sector

people have need of a good ex perience about share mar k et, a good guidelines,

good o bservation etc. The sensex and nif ty depends almost 200 reasons lik e good

announcement of govt., good weather report, good f oreign investment, good news

of company etc. This mar k et may cause either a good retur n of prof it or a great

loss. In India there are two stock exchanges named Bom bay stock exchange (BSE)

and National stock exchange ( NSE).sensex is the point of BSE and nif ty is the

point of NSE. There are almost 12000 company listed under BSE and 5000

company listed under NSE. The tr ansaction is processed by buy and sell of that

company¶s share. If the price of share is high at the time of selling of share than the

amount of buy then the client get prof it and if the mar k et is down then the client

faced loss. So mar k et has a quick retur n but no guar anty of prof it. So only 21.88%

people invest to the equity mar k et.

Mutual fund has less risk than equity mar k et. This mar k et is more stable. It

depends on NAV value. But its retur n is not so quick . The retur n will come min. 6

months af ter invest. And prof it was not much as equity, but this mar k et has a



82

certainty. Risk factor is minimum. For that reason inspite of low retur n than equity

29.69% people invest their money in mutual fund. By investing money in this

mar k et people also invest their money to the equity mar k et, de bt mar k et and

money mar k et also. Because af ter collect the money f rom the mar k et the huge

amount is invested by the fund manager to those sector. And the retur n f rom that

sector is distri buted to sk im holder. So in this mar k et risk is always minimum.

Insur ance sector has no risk . The client has to give sever al premiums gr adually.

And af ter the specif ied period he or she will get back his or her money with

interest. And also between the limit periods if the customer has any accident then

he/she will get back his or her money with interest. This mar k et is totaling secure.

So 42.19% of people invest in insur ance sector.

There is also some sector lik e real estate, ulip, lic etc. have minimum prof it in long

term. so only 6.15% people choose that k ind of mar k et.



83

Table No.2 showing pref er able investment sector

Investment sector % of population No. of person

Equity 21.88 14

Mutual fund 29.69 19

Insur ance 42.19 27

Others 6.25 4

Chart No.2 Bar chart showing pref er able investment sector

05

10

15

20

25

30

35

40

45

equitymutual

fundinsurance

others

21.8829.69

42.19

6.25

% of population

% of population



84

Interest in future Investment:

64.59% of people have also an interest to investment in future. Among those

people some are not investment right now. And 35.41% of people have no interest

in future. This said that investment mar k et have a great future. This mar k et is never falls down in future.

Table No.3 showing investment in future

Investment in future % of population No of person

Yes 64.59 31

No 35.41 17

Chart No.3 Pie chart showing person interested to invest in future

64.59

35.41

Yes

No



85

Period of investing:

The analysis shows that maximum people are investing f or short term basis.

Because of risk factor. To avoid the risk factor people 42% of people invest f or 1-

5yrs.this type of people want to quick retur n f rom mar k et.5-10yrs. Have 28%. but

10-15yrs have only 6% people. And more than 20 yrs. Have only 2% of people.

But 10-15 yrs. Have 24% of people. So mar k et ref lects that the consumer pref er

either short term or long term but not more than 20yrs.For that reason 10-15 yrs.

Have only 6% of people. The people who are investing f or long term are want to

secure their future properly.

Table No.4 showing person lik e his/her period of investment

No of year %of population No of person

1-5 42 21

5-10 28 14

10-15 06 03

15-20 24 12

More then 20 02 01



86

Chart No.4Line chart showing person lik e his/her period of investment

0

5

10

15

20

25

30

35

40

45

1-5 year 5-10 year 10-15 year 15-20 year more than 20



87

Savings from income:

By this analyze I come to know that maximum people want to save a big amount

f rom his income f or his secured future.30.62% people said that they are invest

10%-15% f rom their income. Also 28.58% people save 15%-20% f rom their

savings. But very big amount that above 20% does not save by so many people. It

is 22.44%.and only 18.36% people save 5%-10% f rom their income. So it can be

said that people save neither a very big amount nor a small amount. But they are

save a reasonable amount by investment.

Table No.5 showing saveings f rom his/her income

Per centage of savings f rom

income

No of person % of population

1.5%-10% 09 18.36

10%-15% 15 30.62

15%-20% 14 28.58

20% & more 11 22.44



88

Bar chart showing person interested to save f rom his income

Basis of investment:

Here I see that people lik ed invest their money either monthly or yearly basis than

quarterly and half-yearly basis.37.94% people have a trend to invest their money

by monthly basis. Also 31.03% invest their money by yearly basis.comper atively

there are a less trend to invest money by quarterly and half-yearly basis. Only

17.24% and 12.06% people are investing their money quarterly and half-yearly

basis gr adually.

0

5

10

15

20

25

30

35

9.5%-10% 10%-15% 15%-20% 20%&MORE

18.36

30.6228.58

22.44



89

Table No.6 showing basis of investing

Basis of investing No of person % of population

Monthly 22 37.94

Quarterly 20 17.24

Half-yearly 7 12.06

yearly 18 31.03

Chart No.6 Pie chart showing people lik e suitable basis of invest his/her

money

37.94

17.24

12.06

31.03

Monthly

Quarterly

Half-yearly

yearly



90

Tax payment:

Because of more interest on mutual fund and insur ance sector the per centage of tax

payment people also more.59.53% people paid tax and 40.47 % people not paid

any tax f or their investment.

Table No.7 Showing Tax Payment

TAX PAY NO OF PERSO NS % OF POPULATIO N

YES 25 38.46

Chart No.7 Area Chart Showing Tax Paid And Non Tax Paid

0

10

20

30

40

YES

NO

38.46

26.15

% OF POPULATION

% OF POPULATION



91

Co-relation between age and share trading:

Share tr ading being a risk y business which is associated with to a personality who

lik es to live in the edge ,as a result youngsters having less responsi bilities on their

shoulders lik es to tak e more risk compare to older counterparts Whereas persons

specially in Indian family have a customs of being the spearhead of the family

contri buting all the necessary ex penses avoid tak ing too much risk .This above

concepts is tr ue f or share investment also and is ref lected below.

Table No.8 showing the interested & non interested of share tr ading:-

Age Grou p Persons Interested Person Not

Interested

18-30 5 12

31-40 4 20

41-50 2 09

51-60 2 07

61-70 1 03

71&A bove 0 0

TOTAL 14 51



92

Chart no.8 Bar chart showing the age of respondents persons towar ds

share tr ading:-

5

4

2 2

1

0

12

20

9

7

3

00

5

10

15

20

25

18-30 31-40 41-50 51-60 61-70 71&Above

Interested

Non-interested



93

LIMITATION OF RESEARCH

TIME: Time dur ation of project wor k was short, and this was a biggest limitation

in my project wor k . Theref ore this report may not be authentic. But still I tried my

best to cover each sector.

SAMPLE SIZE: My sample size was 65 among which there was 1 non

respondant.And some respondents gave multiple answers.

For example

Period of investment: Here the total respondent was 50 instead of 64 i.e.

covering almost 78% the reason being misllenious work such as political

strike, weather hazards etc.

MO NEY: Since I did not get any reim bursements f or the ex penses spent by me f or

this resear ch wor k so it was not possi ble f or me to conduct the extended f ield

wor k .

NOT RESPO ND: Among this 65 respondent 1 did not respondent and among those 64

not all questions were answer.



94

SWOT ANALYSIS

A SWOT analysis focuses on the internal and external

environments, examining strengths and weaknesses in the internal

environment and opportunities and threats in the external

environment.

Strengths Weaknesses

Oportunities Threats



95

STRENGTHS

Services

As products of Unicon is a extremely innovative product with very less

cost. Services lik e online tr ading facility, institutional and domestic brok ing,

customized resear ch reports with almost 80% eff iciency etc give Unicon an edge

over its competitors. Unicon provides other su pport services that mak e retail

investors more conf ident and assured with their tr ading. SMS alerts (allowing

tr aders and investors to mak e the most of the available opportunities), Sof ter,

intangi ble f eatures lik e imagery, equity driving pref erence. Through eff icient

tr ading processes Investors can place their or ders directly on the Inter net, do all the

inf ormation seek ing and basically own the investing process.

DISTRIBUTION NETWORK

we have a growing networ k of 150 br anches and more than 300 business partners

spread across 180 cities in India and a fully oper ational inter national off ice at

London



96

OUR tar get is to have 350 br anches and 1000 business partners in 300 cities of

India and more than 7 Inter national off ices by the end of 2006.

Unlik e a tr aditional brok ing f irm, Unicon grou p wor k s on the philosophy of

partnering f or wealth creation.

PRODUCTS

Company¶s product line is quite f lexi ble in the sense that there is a product f or

every k ind of investors. Also all the products cover all the loop holes of all the

products off ered by the other competitors lik e low cost, user f riendly online tr ading

services etc.

WEAKNESS

BRANDING

Though the company has a eff icient products but lar ge part of investment

interested population does not know the company. The most basic ex pectation f or a

tr ader or investor when one begins tr ading is that one must get timely delivery of

shares and proceeds f rom sale of shares. Also ones cash balances with the brok er

must be saf e and secure. Though this conf idence in the brok er comes with time and

ex perience, good and tr ansparent pr actices also play a ma jor role in im bi bing

conf idence in tr aders



97

COMPETITION FROM BANKS

Most of the bank s due to good br anding have the faith of the customers of their

bank ing database. So they en joy the li berty of huge database and customers f ind it

more reliable to tr ade there r ather than with a unknown brok er. Also bank s lik e

HDFC Bank and ICICI Bank have the advantage of link ing the tr ading accounts of

their customers to saving accounts. This mak es tr ading easier, and at the same time

a tr ader withdr aws exactly as much money f rom his account as is needed to

complete the tr ade. Similarly sales proceeds are credited directly to saving account.

OPPORTUNITIES

The exter nal environment analysis may reveal certain new opportunities f or prof it

and growth.

EVER-INCREASING MARKET

Af ter the NSE brought the screen based tr ading system stock mar k ets are

now more secured which has attr acted lot of retail investors and the demand is

increasing day by day. This has resulted in improved liquidity and heavy

volumes on tr ansactions. Unicon is one of the early entr ants here. As to how

much it will roar and how swif t it can swoop on the mar k et, the future alone can



98

answer such queries. Unicon has been a mega player and is known f or being a

mover of stock s. It is also known f or putting big deals through and en joys good

networ k ing with the FIIs. It has been dynamic enough to move with the times

and ca pture the opportunities that the mar k et throws u p f rom time to time.

IMPROVING TECHNOLOGY

In country lik e India technology is always improving which gives the company a

chance to k eep on improving their product with time whereas f or the small players

lik e local brok ers it will be diff icult to k eep the same pace as the changing

technology. Also with SEBI lying down some strict guidelines small brok ers are

f inding it har der to retain the customers with no resear ch department and small

ca pital. The tr aditional business model is highly dependent on a lar ge networ k of

sub-brok ers, and many established players may not have systems (technology,

customer service, etc.) ca pable of directly servicing so many retail customers.

UNFULFILLED NEEDS OF THE CUSTOMERS

With so many competitors off ering their products in the mar k et but no one is able

to completely satisf y the customers. Some have the pro blem of lack of inf ormation

or some were scared of volatility of the stock mar k ets. Unicon has the opportunity

to ta p this unsatisf ied set of customers and to mak e hold in the mar k et. The Inter net

serves to break all barriers to inf ormation, as it off ers an extremely hassle-f ree



99

investing platf orm. And, Unicon hopes to fully utilize and ca pitalize on this

platf orm. This original idea by Unicon itself was bor n out of the consumer 's need

f or a more tr ansparent, easy to understand and convenient option of investing in

stock

EDUCATION LEVEL

The education level in the country is improving year af ter year as far as technology

goes. With that the understanding of the stock mar k et is also increasing and a lot of

retail investors are steeping in the mar k ets which are being shown by increasing

volumes, tr ansactions and indices.

THREATS

NEW COMPETITORS

A lot of new competitors are trying to enter the mar k et in this bullish r un to taste

the f lavor of this cherry. This is creating a lot of competition f or lar ge players lik e

Unicon and it is creating little confusion in the minds of the customers about the

services provided by the brok er. Also many bank ing f irms are entering into the

mar k et with huge investment. Competitors lik e ICICI, k otuku, HDFC, 5- paisa etc.

are posing a lot of threats to the company, Religare.



100

TECHNOLOGY BASED BUSINESS

Online tr ading is totally based on the technology which is quite complex.

Typically, the technology solution has to start f rom the Inter net f ront-end (or

the screen that you see when you begin tr ading). Then it needs to get into the

'middle tier ' of risk management systems that assess data f rom bank s and

depository participants (DP), calculate client risk at that point in time, and give

the 'Go/ No go' advice to the tr ade. So technology is a k ind of threat because

unless until it is wor k ing properly it is good but inter net is not that saf e. Though

a lot of cy ber laws are being made but not yet executed.



101

CONCLUSION



102

I am very luck y to get chance to doing my project in this Unicon Investment

solution.

Public have a good responds about the investment mar k et.

Public pref er the risk factor than quick prof it.

Investment sector has a good mar k et in future.

Public pref erred short term investment than long term.

Public don¶t want to save a very big amount or small amount f rom

their income, but they want to save medium amount f rom their

income

Public pref erred to invest either monthly or yearly basis than

quarterly and yearly basis

Ma jor part of public paid tax f or their investment

Young gener ations are more interested to the equity mar k et.

So, it can be concluded that there are a good aspect of investment sector in mar k et

if they tak e proper mar k eting str ategy. Because everyone want to save something.

And investment sector is right place to ear n f or saving.

\\



103

RECOMMENDATION



104

Af ter doing my project wor k , by survey of mar k et position f ollowing

recommendation is required f or Unicon to tak e top position in investment sector.

Need diff erent str ategy f or diff erent sector of equity, mutual fund, insur ance.

For equity mar k et they need to pull the young gener ation 0f 20-35yrs. Who

are ready to tak e risk as client. Also need to look af ter the old client

properly.

For mutual fund and insur ance sector they need to convince the client who is

ready to invest f or long term as well as short term.

Unicon have to sear ch those clients who are investing their money monthly

and yearly basis.

It is more prof itable f or the company get those clients who are investing

10%-20% f rom their income because these types of people has a lar ge

num ber in mar k et. So these types of people increase the no of client of the

company which is the prof itable f or the company.

Unicon should build u p a good relation with their customer.

Unicon should give extr a facilities to their client than other brok ing houses.



105

BIBLIOGRAPHY

y KOTLAR PHILIP- MAR K ETING MANAGEMENT

ANALYSIS,PLANNING IMPLEMENTATIO NS AND

CO NTR OL(PEARSO N EDUCATIO N 12TH

EDITIO N)

y RAMAYSWAMY VS AND NAMAKUMAN S-MAR K ETING

MANAGEMENT PLANNING,IMPLETATIO N AND

CO NTR OL (MACMILLAN,3R D EDITIO N)

REFERENCES

y www.uniconindia.in

y www.ndtv.com

y www.cnbc18tv.com

y www.google.com



106

QUESTIONNAIRE

RESEARCH ON CLIENT PORTFOLIO

NAME:

AGE: SEX: MALE / FEMALE

ADDRESS: «««««««««««««««««.

«««««««««««««««««.

«««««««««««««««««.

CONTACT NO:

E-MAIL ID:

INSTITUTION/COMPANY NAME:

ARE YOU INVESTED TO ANY SECTOR? YES / NO

(IF YES) IN WHICH SECTOR?

1. EQUITY MARKET 2. MUTUAL FUND 3.INSURANCE

4.OTHER

(IF NO) HAVE YOU ANY INTERESTED TO INVEST IN FUTURE? YES/ NO



(IF YES) YOUR PERIOD OF INVESTING?

A) 1-5Yrs. B) 5-10Yrs. C) 10-15Yrs. D) 15-20Yrs. E) MORE THAN 20Yrs.

HOW MUCH YOU SAVE FROM YOUR INCOME?

A)5%-10% B)10%-15% C)15%-20% D) 20% & ABOVE

HOW YOU INVEST YOUR MONEY?

A) MONTHLY B) QUATERLY C) HALF-YAERLY D) YEARLY

ARE YOU PAYING ANY TAX FOR YOUR INVESTMENT? YES / NO

:DATE

:SIGNATURE

29868526 project report on comp a analysis of different alternative of investments from unicon...

Documents