final project of puspendra prepare

8/8/2019 Final Project of Puspendra Prepare

1/40

SHIVPRA FINANCIAL SOLUTION PVT.Ltd (RANCHI)

PROJECT ON SUMMERTRAINING

TOPIC-MARKETING STRATEGY OF EQUITY AND INSURANCE MARKET

NAME-PUSPENDRA KUMAR SINGH

REG.NO.-10903337

ROLL NO-RR1903B32


2/40

CERTIFICATE OF GUIDANCE

This is certify that the project feasibility report entitled STRATEGY OF EQUITY ANDINSURANCE MARKET IN RESEARCH AND DEVELOPMENT CENTRE FORSHIVRAFINANCIAL SOLUTION LIMITED,RANCHI Which is being submitted by PUSPENDRAKUMAR SINGH ( 3MBA/10903337) in parital fulfillment of the requirement of the degreeMBA of LOVELY PROFESSIONAL UNIVERSITY,JALANDHAR is a record of the studentown work carried out by her in my supervision and guidance.

RAJBIR SETHI


3/40

Acknowledgement Whenever a piece of work is completed successfully, a source of inspiration and guidance

is always there for the student. I, hereby take the opportunity to thank all those persons

who helped me in developing this project.

First & foremost, I am grateful to the management of

SHIVPRA FINANCIAL SOLUTIONS LIMITED at RANCHI (JHARKHAND) for

providing me the opportunity to undertake my training.

I take the opportunity to offer my sincerest thanks and deep sense of gratitude to

Mr.Ujjwal Kumar (DIRECTOR) for his sagacious advice and noble suggestions, which

endure throughout the course of this project. His able guidance constant encouragement

inspired me to carry out this project.

I would like to express my heart felt gratitude to my project guide

Ms.Binamrata PRASAD (HR Manager) and MS.KHUSHBOO SINGH who have supervised

every aspect of my work, encouraged me and supported me whenever I faced difficulty.

They have been very kind and considerate to me and their encouragement will always

drive me to seek greater achievements.

I would like to express my sincere gratitude to my reverent teacher and guide RAJBIRSETHI of LOVELY PROFESSIONAL UNIVERSITY, JALANDHAR, for helping me to finalize thisproject report.

DATE: _____________PLACE:_____________ ( Puspendra singh)


4/40

OBJECTIVE

The basic objective of writing a report is briefly describing about what all Ilearned during that period and other objective are as follows:-

1. To do a comprise study on different mutual fund schemes in Indian market and

Proper understanding and analysis of life insurance

industry.

2. To see the performance of different mutual fund and there reason for it.

3. To know about brand awareness of Birla sun Life Insurance, future generali, star

health allied and Bonanza portfolio and customers preference about these companies.

4. Customers preference about Birla sun Life Insurance, future generali, star health

allied and Bonanza portfolio.

5. Conduct market survey on a sample selected from the entire population and derived

opinion on that research.

6. According the market survey come know about how much potential of insurance

market and equity market in our city.7. To understand the concept of risk and return by comparing the different schemesand different investment firms.

8. To analyse the different schemes of mutual fund and there difference on basis of performance.

9 .To understand the factor which should be kept in mind while investing in the mutualfund?


5/40

Research Methodology

Sampling design

Types of sampling

Random Sampling

Research Approach

Descriptive approach

Techniques to be used in research approach

Survey and interview

Sampling Unit

Q uestionnaire

In this project Questionnaire is used as the research instrument. These questionnaires includeClose Ended as well as Open Ended questions. The questionnaire is attached at the end of Annexure.

Data collection

Primary Data Collection

Structured questionnaire for the customer.

Secondary data collection

Journals Web-sites News papers


6/40

.

\ PRIMARY SOURCE:

The data required for this stage was regarding the detail study of insurance and equity market

and services of various competitors of the SHIVPRA FINANCIAL SOLUTION (P) LTD . Andto know the behavior and perception of the customers towards the products and services provided by the SHIVPRA FINANCIAL SOLUTION (P) LTD. The data have been collected inthe form of questionnaires that was prepared. Though the primary source was not enough for thestudy but it did give some accurate conclusions.

The questionnaire is attached at the end as Annexure.

The above questions were really helpful in the conclusion part of the study. Some customerswere very cooperative but some didnt even bother to give a look. Overall, the study was asuccess as far as primary source was concerned.

SECONDARY SOURCE:

The secondary data was collected with the help of various books, websites, bank journals, broachers and employees of the bank. The data collected from the websites and books was goodenough to be included in the study analyzed and concluded but the data got from the employeesof the companies was most accurate and reliable. Various newspapers, magazines, websites,

bank journals, etc were checked out for information regarding the STRATEGY analysis of various players in stock market.

The secondary source didnt provide any personal views of the customers on the existingactivation charges, brokerage rate, services but were a great help in completing the report andgetting the details.


7/40

INTRODUCTION

COMPANY PROFILE :

Shivpra financial solution Pvt. Ltd.Knowledge is power and power brings security. Risk is a very relative term and changes withevery individual and situation. Financial management is not just about managing risk but alsomanaging knowledge and finally deriving answers that generate wealth, security and trust.

y Shivpra Financial Solutions is one of the fastest growing Broking firm in today s time. Tomaintain our standards we have already tied up with the major giants of Share trading &Insurance sector. We have with us :

y Bonanza Portfolio Ltd.

y Birla Sunlife

y Future Genarali

y Reliance

y Star Health & Allied Insurance

y VISIONy Vision is to be the most respected company in the financial services space.

y Technologically advanced (online as well as offline).y y PUNCH LINEy ANIMATING FORCE OF COMMERCE!

AIM

y Company aim is to provide people with opportunities to make fast money with low risk in ashort period of time. Long term future prediction of the market is too tough because, stockmarket is affected by many factors like Foreign Markets, Bank policies, companies results, FII'Strend, domestic mutual funds trend & political behavior, which keep changing.

y More and more people be in form of investors or traders enter stock market to make fastmoney through intraday trading or Positional trading but due to lack of Experience,knowledge,strategy,discipline or fear ; 95% Investors incur huge losses. Only 5% smarttraders/investors earn money in both Rising as well as Falling Market.


8/40

VISION

y With a smorgasbord of services across all verticals in finance, SHIVPRA offers you the perfectblend of financial services right from Equity Broking, Advisory Services that cover PortfolioManagement Services, Mutual Fund Investments, Insurance to exceptional DepositoryServices.

SHIVPRA believes in being technologically advanced so that we can offer you our tech-savvycustomers - an integrated and innovative platform to trade online as well as offline. Besides,we also have one of the finest and most dedicated research teams with experts who have in-depth, unsurpassed knowledge of the market place. All this and more makes SHIVPRA theperfect place for you to take your first step in the direction of financial success.

With various titles and achievements under our belt, SHIVPRA looks forward to tougherchallenges and newer milestones to conquer, so that you our customer can get nothing lessthan the BEST!

A dvantages:

Shivpra Financial Solutions work on your behalf to find the best possible deals to suit you.

After sales service to the customers with full satisfaction and piece of mind.

Provide provisions of relevant information to the underwriters to assess the risk and decide thepremium.

Recommend risk improvement and loss minimization measures.

Tension free and fastest claim settlement services and support. & non life insurance consultationsand full information.

Quickly find and compare insurance best quotes for you.

Advantage of using an insurance broker is that you get to deal with a real human being

Product

Shivpra financial solution is deal many product into financial sector, but the company main focusinto equity and share market. Company deal into that market through Demat or companyportfolio scheme. Company sale these product into market :-


9/40

1 ) Demat2) Insurance3) Medi claim

In Life insurance Sector Company deals with

(1) Birla sun life.

(2) Star health

(3) Future generally

Company Profile

Birla Sun Life Asset Management Company Ltd. (BSLAMC), the investmentmanagers of Birla Sun Life Mutual Fund, is a joint venture between the Aditya Birla Group and

the Sun Life Financial Services Inc. of Canada. The joint venture brings together the AdityaBirla Group's experience in the Indian market and Sun Life's global experience.

Established in 1994, Birla Sun Life Mutual fund has emerged as one of India's leading flagshipsof Mutual Funds business managing assets of a large investor base. Our solutions offer a range of investment options, including diversified and sector specific equity schemes, fund of fundschemes, hybrid and monthly income funds, a wide range of debt and treasury products andoffshore funds.

Birla Sun Life Asset Management Company has one of the largest team of research analysts inthe industry, dedicated to tracking down the best companies to invest in. BSLAMC strives to

provide transparent, ethical and research-based investments and wealth management services.

Sun Life FinancialSun Life Financial Inc is a leading international financial services organization providing adiverse range of wealth accumulation and protection products and services to individuals andcorporate customers. Chartered in 1865, Sun Life Financial Inc and its partners today haveoperations in key markets worldwide, including Canada, the United States, the United Kingdom,Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda.

DEAL THE SOME PLAN OF MY COMPANY WITH BIRLA SUNLIFE

(1 ) SARAL JIWAN(2) GOLD PLUS(3) DREAM PLAN(4) CHILD PLAN


10/40

(1 ) SARAL JIWAN:

In today's increasingly complex world, evolving simple solutions is important. Which is why

Birla Sun Life Insurance has simplified buying a life insurance policy with its new plan -BirlaSun Life Insurance Saral Jevan.All you have to do is agree to three simple health-related

statements and you are covered immediately. What's more, there are no medical examinations,

thus helping you save on effort and time.

The BSLI Saral Jeevan plan provides the dual benefit of protection and investment. So it is the

ideal policy if you want to secure your life and build wealth at the same time.

Get Birla Sun Life Insurance Saral Jeevan Plan

This plan provides you easy and immediate life insurance cover. Just agree to 3 health-related

statements and your life will be covered immediately. There are no medical tests.

The 3-step saral process:

Complete a simple application form, which includes illustrations suitable for you.

Agree to 3 health-related statements.

Make your payment and submit the required documents - identity, residence, income and

age proof.

Get your life insurance cover immediately.

(2)GOLD PLUS

: Birla Sun Life Insurance (BSLI) announced the launch of Gold-Plus Plan, a unit-linked

insurance plan for individuals seeking short-term investments.

The plan gives an opportunity to maximise returns by paying premium as low as Rs 10,000 for a

short duration of three years, Sun Life Financial

Country Head Venkatesh Mysore told reporters.


11/40

Mysore said the plan offers 100 per cent equity

exposure and maximum returns on limited period

investments.

"It gives an opportunity to grow investments for the medium term. The plan offers the

convenience of paying for a limited period of three years thus avoiding the hassle of regular

payments."

According to him, the plan offers a flexibility to reduce premium from the second policy year

depending on one's financial position. "It offers freedom to invest in as many as seven fund

options in varying proportions," he said.

Mysore said BSLI is focusing on strong distribution, expansion as well as widening productrange in 2007-08 to meet the needs of various market segments. "Our premium base is increasing

at a healthy rate.

(3)DREAM PLAN

Birla SunLife Dream Plan is a unit-linked insurance plan (ULIP) that provides the double benefit

of higher sum assured and guaranteed maturity benefit at a cost lower than the traditional term

plan. In addition, it does not carry any premium allocation charges (PAC), probably the only plan

in the market with a no-load structure, albeit there is a 2 per cent PAC on top-up premium.

Product highlights

o A ULIP with a term ranging from 5 to 25 years for an individual between 18 to 60 yearsof age at entry; the maximum age at maturity is 75 years.


12/40

O ption to choose Guaranteed Maturity Benefit (GMB) with an upside potential based on the

performance of funds chosen. This assures that you will receive no less than the GMB when the

plan matures.

Highlights

This is a good alternative for a traditionalterm plan, and also carries features of aULIPThis is one of the cheapest ULIPs in themarketThough it comes with lots of benefits, thecharges are a little higher

(4)CHILD PLAN

As parents, we wish to give the best that life has to offer to our children. While children enrichour lives, it is no secret that they also need funding for their considerable expenses. Since mostof us have relatively fixed sources of income, financial planning for a childs benefit becomes anessential part of the entire familys budget.

Unfortunately the cost of education has risen .Every child deserves the best opportunities andoptions. So whether it is a foreign degree or a specialized training course, most parents would notlike to deny their children any opportunity due to the lack of funds. Marriage is another expenseand in India, marriages are quite expensive.

It is never too early to plan for your childs future. The earlier you begin the more you can gather for your childs needs

Birla Sunlife Insurance Childrens Dream Plan is a long-term unit linked insurance plan that isspecially designed to help you provide the financial security to your child when she/he becomesan adult.

(2) INTRODUCTION OF FUTURE GROUPFuture Group

Future Group, led by its founder and Group CEO, Mr. Kishore Biyani, is one of Indias leading business houses with multiple businesses spanning across the consumption space. While retailforms the core business activity of Future Group, group subsidiaries are present in consumer finance, capital, insurance, leisure and entertainment, brand development, retail real estatedevelopment, retail media and logistics.

Led by its flagship enterprise, Pantaloon Retail, the group operates over 12 million square feet of


13/40

retail space in 71 cities and towns and 65 rural locations across India. Headquartered in Mumbai(Bombay), Pantaloon Retail employs around 30,000 people and is listed on the Indian stock exchanges. The company follows a multi-format retail strategy that captures almost the entireconsumption basket of Indian customers. In the lifestyle segment, the group operates Pantaloons,a fashion retail chain and Central, a chain of seamless malls. In the value segment, its marquee

brand, Big Bazaar is a hypermarket format that combines the look, touch and feel of Indian bazaars with the choice and convenience of modern retail.

The groups specialty retail formats include sportswear retailer, Planet Sports, electronicsretailer, eZone, home improvement chain, Home Town and rural retail chain, Aadhaar, amongothers. It also operates popular shopping portal, www.futurebazaar.com.

THE GENERALI GROUP

The Generali Group is a leading player in the global insurance and financial markets. Establishedin Trieste in 1831, today the Group is one of Europes largest insurance providers and the

European biggest Life insurer. It is also one of the worlds top asset managers with assetstotaling more than 300 billion. With an employed sales force of more than 100,000 peopleserving 60 million clients in 65 countries, the Group occupies a leadership position in WesternEurope and an increasingly important place in Eastern Europe and Asia.

The Group strategy aims to consolidate Generalis pre-eminence on its key markets and achievea premier position on markets with high growth potential, establishing its leadership in

profitability. The Group is not only the market leader in Italy, but also a primary player inGermany, France, Austria, Spain, Switzerland, Israel and Argentina. Generali is a strong player on markets offering high growth potential. In Central Eastern Europe, in particular, thanks to theGenerali PPF Joint Venture, it is one of the primary players. Generali also has Joint Ventures inIndia and China, where, within a few years after its entrance, it has already become one of thetop foreign insurance providers.

DEAL THE SOME PLAN OF MY COMPANY WITH FUTURE GROUP

FUTURE ASSURE

FUTURE ANAND

FUTURE ASSURE

Future Assure a with-profit endowment plan, is just the right plan, ensuring financial freedomwhich your family deserves, even in your absence. The plan will be offered along with 6 optionalriders, namely, Term Assurance Rider, Waiver of Premium on Disability Rider, Life GuardianRider, Accidental Death Rider , Accidental Total & Permanent Disability Rider and a CriticalIllness Rider.Key Benefits Of Future Assure:

y On death of life insured: Sum Assured plus accrued bonusy On maturity: Sum Assured plus accrued bonus


14/40

y On Surrender of Policy: Surrender Valuey Policy Loan available after the policy acquires Surrender Valuey Bonus: The policy shall participate in the profits arising out of Company's 'with profits' life

insurance business. It gets a share of the profits emerging from this business in the form of bonuses. Compounded Reversionary bonuses would be declared as a percentage rate, which

apply to the sum assured in respect of the basic policy benefit (not on riders) and all attached bonuses. Reversionary bonus is declared based on our long term view of investment returns,expenses, mortality and other experience. Once declared, the Reversionary bonuses form a partof the guaranteed benefits of the plan. Future bonuses are however not guaranteed and willdepend on future profits. A Terminal bonus may also be paid at maturity, earlier death or surrender.

y Bonus: The policy receives compounded reversionary bonuses which are added on everyvaluation.

FUTURE ANAND

Future Generali India Life Insurance Company, the Insurance joint venture between Future Group of Indiaand Generali Group of Italy today launched F uture A nand, a combination of whole life andendowment assurance , and an evergreen choice of the savings savvy Indian insurance buyer. The plan

provides the benefit of two covers in a single policy, while still paying much less than two policies.

A traditional wealth creation plan for future financial security, Future Anand allows customers to choose ashort payment term and get back the sum assured along with guaranteed additions and bonuses asmaturity benefit, while staying insured up to the age of 99 years, with 125 percent life cover after thepremium paying term. The minimum premium paying term is 8 years and maximum is twenty years.Future Anand can be availed by persons aged 12-62 years, at a minimum sum assured of Rs. One lac

per policy.Future Anand is the latest offering from Future Generali, as part of a continued endeavor to offer a vastarray of products to customers, in line with their unique business model offering Total InsuranceSolutions , across Life & General Insurance.

ST AR HE AL TH

INTRODUCTION OF BONANZA PORTFOLIO


15/40

Bonanza Online TradingOnline trading or E broking can be made easy if you plan to trade online with online tradingservices of Bonanza. Bonanza is one of the largest financial services and broking house in Indiaestablished in the year 1994. It is one of the fastest growing financial service in India with 5

mega groups companies under it. The group has pan-India presence across more than 1150outlets spread across 375 cities.

Bonanza group offers you a unique and perfect blend of financial services which include thefollowing:

Equity and Derivatives Commodity CurrencyDerivativesE broking/Onlinetrading

Portfolio ManagementServices

Mutual FundInvestments Insurance Services IPO

Depository Services Institutional broking Investment banking

Softwares for Bonanza Online Tradingy Bonanza Value Web Interface: Web Interface is ideal for individual clients who trade

occasionally and want to trade from the comfort of their home or office. This interfaceallows the client to login through any internet capable system. It gives client the benefitof real-time streaming data with the flexibility of trading from any part of the world. Withuser friendly interface client can view real time quotes and can place orders in both theexchanges.

y Bonanza Max EXE Interface: EXE based desktop software is designed for active traderswho transact frequently to capture favorable short-term price movements.

The platform offers active traders the tools they need to make critical decisions withconfidence. It offers real-time tick by tick streaming quotes and market announcements

from India's premier Exchanges - BSE and NSE. A fully customizable interface is provided to view and analyze the real-time quotes. Client can open multiple marketwatches, define filters quotes by criterion, define and set triggers to highlight the stocksmeeting their criterion be it a stop loss or alert on an investment opportunity. EXE basedinterface has comprehensive Technical Analysis features to help the client to time themarkets. Client can plot OHLC, Candle Stick, and Close Charts with both real-time tick-

by-tick data and end of the day data for securities listed on BSE and NSE. It offers morethan 30 popular indicators including Moving Averages, ROC, RSI, MACD, William's


16/40

% R, Stochastic etc. Through an easy to use interface, users are provided with the sametools and advantages that the professionals enjoy.

Advantages of affiliation with Bonanzay Technologically advanced so as to offer tech-savvy customers - an integrated and

innovative platform to trade online as well as offliney Have dedicated research teams with experts who have in-depth, unsurpassed knowledge

of the marketsy Affiliated with the best in the industry - NSE, BSE MCX, MCX-SX to CDSL, NSDL,

etc.

WHAT IS investment broker (or sub broker). The Demat account number which is quoted for alltransactions to enable electronic settlements of trades to take place.

Access to the demat account requires an internet password and a transaction password as well asinitiating and confirming transfers or purchases of securities. Purchases and sales of securities onthe Demat account are automatically made once transactions are executed and completed.

DEMAT ACCOUNT?

Demat , in India, refers to a dematerialised account. For individual Indian citizens to trade inlisted stocks or debentures. The Securities Exchange Board of India (SEBI) requires the investor to maintain a Demat account. In a demat account shares and securities are held in electronic forminstead of taking actual possession of certificates. A Demat Account is opened by the investor while registering with an

THEORITICAL CONCEPT

What is marketing strategy?

M arketing strategy is a process that can allow an organization to concentrate its limited

resources on the greatest opportunities to increase sales and achieve asustainable competitive advantage . A marketing strategy should be centered around

the key concept that customer satisfaction is the main goal.

FUNCTION PROCESS


17/40

Bases for strategy consumer market.

Marketing strategies explain how the marketing function fits in with the overallstrategy for a business.

Business Strategy Example Marketing Strategies

Grow sales Launch new productsExpand distribution (e.g. open more shops)

Start selling products into overseas markets

Increase profits Increase selling prices

Reduce the amount spent on television advertising

Build customerawareness

Implement a public relations programme

Invest more in advertisingO nce a strategy has been identified, then the business must develop an action to turnthe strategy into reality. The starting point for this plan is the setting of marketingobjectives.

Marketing objectives are the specific targets for marketing set by the business toachieve their corporate objectives.

Examples of marketing objectives might be:

y Increase sales by 10%y Launch a new product by the end of the yeary Achieve a 95% customer satisfaction ratingy Increase the number of retail outlets selling our products by 250 within 12

months

It is important for a business to set marketing objectives because managers can thenhave targets for their work. They can then measure more effectively the success orfailure of their marketing strategies to achieve these objectives.


18/40

Data presentation

1. Educational Q ualification

10 th 20%

10+2 35%

Graduate 30%

Post Graduate 15%

KEY GUIDELIN E:-

The analysis shows that 35% Customer s are 10+2 qualified , 30% of them are Graduate , 20% havetheir qualification till class 10 th and rest 15% of them are post graduate .

20%

35%

30%

15%

10 th

10+2

GradutePost Gradute


19/40

2. Your O ccupation

(a) Service (b) Business (c) Professional service (d) Housewife (e) Retire

Service(govt.+private) 35%

Business 25%

Professional service 20%

House wife 5%

Retired 15%

KEY GUIDELIN E: This data shows that the 35% people have government and private services and 25%

have business and 20% have professional service, 15% are retired and rest 5% are house wife.

35%

25%

20%

5%

15%

Service(govt.+private)

Business

Professional service

House wife

Retired


20/40

3. What is your annual income?

a)50,000 100,000 b) 1,00,000- 3,00,000 c)3,00,000-5,00,000 d) above

50,000-100000 35%

1,00000-3,00000 45%

3,00000-5,00000 15%

Above 5%

KEY GUIDELIN E:- The above data shows that 45% people annual income is 1,00000-3,00000, and 35%people annual income is 50,000-1,00000 and 15% annual income is 3,00000-5,00000 and 5% peoplewhose income is more than above.


21/40

4. Marital status

Yes 60%

N o 40%

KEY GUIDELIN ES:-this data shows that the 60% people are married and 40% people is are not married


22/40

5. Which child plan you have for?

Birla sun life 30%

icici prudential 25%

Hsbc bank 15%

Reliance 30%

KEY GUIDELIN E:-The above data shows that the 30%people have taken child plan of Birla sun life and30% Reliance and 25%peoplehave taken to icici prudential and 15% people have taken child plan of Hsbcbank


23/40

6. How do you decide about investing in life insurance?

(a) O n my own 20%

(b) Family decision 15%

(c) Employer decides 40%

(d) as per the guidance of agent 25%

KEY GUIDELIN E:-this data shows that 40% employer decides for investing in life insurance and 25% asper the guidance of agent and 20% is on their own and 15% on family decision.


24/40

7. Would you prefer Reliance Life Insurance or LIC for buying the life insurance policy?

(a) BIRLA SUN Life Insurance 30%

(b) LIC 70%

KEY GUIDELIN ES:-this data show that 70% people prefer to take LIC and 30%people prefer Birla Sun LifeInsurance


25/40

8. Through which medium do you take your policy?

a) Salesman 55%

b)direct to company office 25%

c) internet 20%

KEY GUIDELIN ES:-this data shows that 55% people take their policy through salesman and 25% direct tocompany office, and 20% through internet.


26/40

9 . Are you interested in share market investment?

(a) Yes 30%

(b) no 70%

KEY GUIDELIN ES: - The above data shows that 70% people are not interested for investment in sharemarket and 30% people are interested for investment in share market.


27/40

10. What is your main motive behind investing in life insurance?

Tax Benefit 40%

Savings 25%

Risk Cover 25%

Return/Yield 10%

KEY GUIDELIN E:-The above data shows that 40% customers invest in life insurance for tax benefit, 25%customers for savings, 25%customers for risk cover and 10% customers for return in investment in

insurance sector.

40%

25%

25%

10%

Tax Benefit

Savings

Risk Cover

Return/Yield


28/40

11. Do you have dmat a/c?

a) yes 20%

b) no 50%

c) others 30%

KEY GUIDELIN E: the above chart and survey in the market shows the response of people to open dmataccount and we got the responses 20%Yes, 50% N o, and others 30% account in share market.


29/40

12. If yes, which company you have dmata/c?

a) Bonanza 25%

b)Motilal 20%

c)India bulls 20%

d)others 35%

KEY GUIDELIN E: The above data shows the response 25%Bonanza, 20%Motilal, 20% India bulls and 35%others have their dmat account already.

25%

20%

20%

35% a) Bonanza

b)Moti lal

c)India bulls

d)others


30/40

13. Do you know about Shivpra Financial Solution sub broker?

a)you 20%

b)no 80%

KEY GUIDELIN E: According to the market survey 20% people know about shivpra financial solutionlimited and 80%people don t know about the company.


31/40

14. How do you know about Shivpra Financial Solution sub broker?

a)salesman 40%

b)internet 5%

c)telephone 30%

d)seminar 5%

e)other 20%

KEY GUIDELIN E:- According to the market survey and the above data shows that how the people cameto know about Shivpra Financial Solution sub broker and the response are 40% through salesman, 5%through internet, 30%t through telephone, 5% through seminar and remaining 20% through othersources.

40%

5%30%

5%

20%

a)salesman

b)internet

c)telephone

d)seminare)other


32/40

15. Do you think marketing strategy are beneficial for the company to generate sale ?

a)yes 60%

b)no 40%

KEY GUIDELIN E:-:- This data is shows that the 60% people think that the marketing strategies arebeneficial for the company to generate sale and 40% people are not satisfied by this strategy.

60%

40%a)yes

b)no


33/40

16. Rate the strategies according to your preference?

a) direct marketing through salesman 40%

b) letter and news paper 15%

c) internet 20%

d) tv 5%

e) proper service 10%

f) other 10%

KEY GUIDELIN E:- this data shows that the 40% of direct marketing through sales man and 15%are theletter and newspaper and 20%of the of the internet and 5% of the tv and 10%of the proper service and10%of the internet

40%

15%

20%

5%

10%

10%

a) direct marketingthrough salesman

b) letter and news paper

c) internet

d) tv

e) proper service

f) other


34/40

17. What attracted you to invest in Shivpra Financial Solution sub broker?

a)good return 25%

b)proper service and benefit 5%

c)good will/reputation 10%

d)safety of principle investment 15%

e)low risk 10%

f)variety of product 5%

g)tax benefit 5%

h)risk management 25%

KEY GUIDELIN E: the above data shows about the customer opinion that what attracted them to investin shivpra financial solution sub broker and the responses are 25% good return,5% proper service andbenefit,10%good will reputation, 15%opinion safety of principle investment,5%varity of product,5%taxbenefit,and 25% risk management take.

25%

10%

10%

15%

5%

5%

5%

25%

a)good return

b)low risk

c)good will/reputation

d)safety of principleinvestment

e)proper service andbenefit

f)variety of product


35/40

18. Which marketing strategy you consider is more attractive?

a)good presentation 20%

b)more informative 45%

c)more impact 20%

d)other 15%

KEY GUIDELIN E: according to the market survey and customer opinion about the attractive marketingstrategy the responses are-20% good presentation, 45%more informative, 20%more impact, and other15%.

20%

45%

20%

15%

a)good presentation

b)more informative

c)more impact

d)other


36/40

19 .which types of promotion do you prefer for Dmat a/c ?

a)news channel 25%

b)business magazine 30%

c)business news paper 25%

d)others 20%

KEY GUIDELIN E:- The above data shows the customer preferences for the promotion of dmat a/c andreveals in pie chart that 25% through news channel and 30% through business magazine and 25%through business newspaper and others 20% .

25%

30%

25%

20%

a)news channel

b)business mazing

c)business news paper

d)others


37/40

20. Are you satisfied of our strategy for you investment returned?

a)yes 45%

b) no 55%

KEY GUIDELIN E:- This data is shows that 45% people are satisfied with strategy of investment returnand 55% people are not satisfied with the strategy.

45%

55%

a)yes

b) no


38/40

Recommendations

The most vital problem spotted is of ignorance. Investors should be made aware of the

benefits. Nobody will invest until and unless he is fully convinced. Investors should bemade to realize that ignorance is no longer bliss and what they are losing by notinvesting. Mutual funds and Insurance policies offer a lot of benefit which no other singleoption could offer. But most of the people are not even aware of what actually a mutualfund is and moreover they are still unaware of the combination of Mutual Fund +Insurance Policy, i.e. SIP+INSURE PLAN. They only see it as just another investmentoption. So the advisors should try to change their mindsets.

The advisors should have the market strategy to target for more and more younginvestors. Young investors as well as persons at the height of their career would like to

go for advisors due to lack of expertise and time.

The advisors may try to highlight some of the value added benefits of EQUITY Marketsuch as tax benefit, rupee cost averaging, and systematic transfer plan, rebalancing etc.these benefits are not offered by other options single handedly. So these are enough todrive the investors towards Equity market. Investors could also try to increase thespectrum of services offered.

Now the most important reason for not availing the services of advisors was spottedwas being expensive. The advisors should try to charge a nominal fee at the beginning.

But if not possible then they could go for offering more services and benefits at theexisting rate. They should also maintain their decency and follow the code of ethics sothat the investors could trust upon them. Thus the advisors should try to attract moreand more persons and turn them into investors and finally their clients.

. Investors have different portfolios according to their profile but investment equitymarket gives more return as well as less risk. So the recommendation for the marketingstrategy for equity and insurance market:-

1 . Investor friendly environment Company should lay emphasis to create investor friendly environment by helping the investors in selecting the right type of the schemes.

Hence manpower should be increased to handle the back office responsibilities.

2 . Service Centers Most of the states of India must have the service centers of different banks of Mutual fund in the form of Investors service centers and also for theinsurance sector.


39/40

3. Investors education Programme Timely organizing such kind of programmers bycalling professionals from various fields of Finance and especially from the membersfrom the Fund managing team at Mumbai will increase investors trust in the investmentwith the mutual fund industries related companies and in insurance market alsoprofessionals should be called so that the customers will have more trust and

knowledge about different products and services provided by the company.4. The Equity market should focus its attention on those schemes, which have givengood returns over the years. This will give boost to the investors confidence in industryand also help the mutual fund industries concerned companies in increasing its clienteleand the insurance sector also focus on those products and services which arebeneficial for the investor so that the customer will get attracted to invest in theinsurance sector.

5. The equity and insurance sector should categorize the investors into investors potential investors high net worth investors and so on, there profile should be properly

maintained which will help in better understanding the needs of its customers andsuggesting the optimum mix of the schemes accordingly .

conclusions

After studying & analyzing this Project Statement of marketing strategy of equity

market and insurance market the following results can be concluded:

y The single most important factor that drives equity market is its belief to give

the investor the chance to profitably invest in the financial market, withoutconstantly worrying about the market swings the overall portfolio structure

would aim to maintain risk at a moderate level. The Fund Manager would

avoid adopting either a very defensive or aggressive posture at any point in

time.

y According to the equity market especially bonanza portfolio believe that by

giving the investor long-term benefits, they have to constantly review the

markets for new trends, to identify new growth sectors and share thisknowledge with our investors in the form of product offerings.

y After the deep study of insurance sector of India, I can tell that this isthe sector, which has most business opportunities perhaps in India.

y Insurance industry is one of the fastest sectors in India. Insurance


40/40

sector has been growing by 25% to 30% and it is expected to increaseby 50% in coming 5 years. After the opening up of the insurancesector, it has become much competitive and insurance awarenessamong people has increased.

y

As far as the market strategy of different life insurance company isconcerned, there is both positive as well as negative aspect.

y For private players like Birla sun life insurance , reliance life insurance,future generali the negative aspect is that its market share is low.

y For private players the negative aspect is that they have to fight withthe public sector giant which is established player with a high brandValue.

y But the positive impact is that the life insurance awareness has

increased and the business of private players has also increased.

REFFERENCE

http:// www.shivpra.com

http://www.bonanza portfolio.com

http://birlasunlife.com

http://futuregeneralie.com

http://starhealth.com

http://kotler.com

final project of puspendra prepare

Documents