mark strategy icici l i

8/10/2019 Mark Strategy Icici l i

1/35

A SUMMER- PROJECT REPORT

A Marketing Strategy and Role of FinancialAdvisors

With Reference toICICI PRUDENIA! !IFE INSURANCE C"# !D#

Submitted to

BVU Institute of Management Kolhapur

For partial fulllment of the requirement for theaard of the degree

!f

MASTER OF BUSINESS ADMINISTRATION

Submitted b"

Mr# $itesh Kumar

Under the guidance of Mrs. M N Paliwal (MIB)

%hrough the &irector'(BVU Institute of Management(

Kadamadi' Kolhapur' )*+,,-.,,/0.,,1

$%ARAI &ID'APEE% UNI&ERSI'INSIUE "F MANA(EMEN


2/35


3/35

-----------------------------------------------------------ICICI PRUDENTIAL [MBA 2007-08]

Guide Certifcate

%his is to certif" that the report entitled (2

mar3eting strateg" and role of nancial ad4isors

of ICICI pru!"#ial li$! i"sura"%! C&.'#.

Submitted to BU I"s#i#u#! &$ a"a*!!"#+

,&lapur for the aard of (Master of Business

2dministration5 is an independent research

carried out b" Mr.Ni#!s ,uar under m"

super4ision and guidance#

--------------------------------------------------------------------- BVU IMK KOLHAPUR


4/35


%o the best m" 3noledge and belief this has

not been pre4iousl" submitted for the aard of

an" degree of Bharati Vid"apeeth Uni4ersit"#

6lace7

&ate7 8 8 Mrs. M N Paliwal

(P

r&!%# /ui!)

Declaration

To

The Director'

BVUIMK,, Kolhapur

I the understand hereb" declare that the pro9ect

report entitled :A s#u0 &$ ar1!#i"*

S#ra#!*0 a" r&l! &$ 2"a"%ial A3is&rs :

ith special reference to ICICI pru!"#ial

li$! i"sura"%! %&. is a bonaed or3

--------------------------------------------------------------------- BVU IMK KOLHAPUR


5/35


prepared b" me under the guidance of Mrs.

MN Paliwal is m" original or3#

%he empirical ndings in this report are

based on data collected b" me # the matter

consisting in this report are based on data

collected b" me # %he matter consisting in

this report is not copied from an" other

sources# %his report has not been presented

an"here else for the aard of an" degree '

diploma or title#

I understand that an" such cop"ing is liable to

be punished as the authorities deem t#

Place:

&ate7 4 4

NITES5 ,UMAR

--------------------------------------------------------------------- BVU IMK KOLHAPUR


6/35


C%APER I!E PA(E N"#

1 RESEARCH DESIGN

2 COMPANY PROFILE

3 CONCEPTUAL BACKGROUND

4 DATA ANALYSIS

5 FINDINGS AND SUGGESTIONS

QUESTIONNAIRE

BIBLIOGRAPHY

CHAPTER 1

--------------------------------------------------------------------- BVU IMK KOLHAPUR


7/35


RESEARCH DESIGN

CHAPTER 2

--------------------------------------------------------------------- BVU IMK KOLHAPUR


8/35


COMPANY PROFILE

CHAPTER 3

--------------------------------------------------------------------- BVU IMK KOLHAPUR


9/35


CONCEPTUAL BACKGROUND

--------------------------------------------------------------------- BVU IMK KOLHAPUR


10/35


11/35


FINDINGS AND SUGGESTION

ESEA CH DESIGN

The !"#$e"" %& 'he #$"!()$*e #" (e+)'e, '% 'he (%'e*'#%$

%& 'he e*%$%.#*)+ /)+!e" %& )""e'" The )""e' #" /)+!)+e '% 'he

%$e( e*)!"e he ee*'" '% e' "%.e e$e'" &(%. #' IT #" )

e$e' e*)!"e #' .ee'" "%.e %& h#" $ee," E/e( )""e' #"

--------------------------------------------------------------------- BVU IMK KOLHAPUR


12/35


ee*'e, '% +%"e &%( ) *e(')#$ e(#%, '#.e ,!(#$ h#*h #' #++

e(&%(. H%e/e( 'he )""e' .) e' +%"' e)(+#e( A$ )**#,e$' %(

"%.e %( "%.e %'he( !$&%('!$)'e e/e$' .) ,e"'(% #' %( .)6e

#' $%$ &!$*'#%$)+ I' *(e)'e" +%""e" '% 'he e&&e*' %& "!*h ),/e("e

"#'!)'#%$"

Brief history of Insurance.

The e#$$#$ %& 'he #$"!()$*e !"#$e"" #" '()*e, '% 'he

*#' %& L%$,%$ I' "')('e, #'h 'he .)(#$e B!"#$e"" M)(#$e

'(),e(" h% !"e, '% )'he( )' L+%," *%&&ee h%!"e #$ L%$,%$

)(ee, '% "h)(e +%""e" '% %%," ,!(#$ '()$"%(')'#%$ "h#

The ("' #$"!()$*e %+#*e )" #""!e, #$ 1583 #$ E$+)$,

I$ I$,#) #$"!()$*e e)$ #$ 1870 #'h +#&e #$"!()$*e e#$

'()$")*'e, )$ E$+#"h *%.)$ 'he E!(%e)$ )$, 'he

A+e(' The ("' I$,#)$ #$"!()$*e *%.)$ )" 'he B%.)

.!'!)+ )""!()$*e "%*#e' L', &%(.e, #$ 1870I$ 159 LIC O:

I$,#) )" $)'#%$)+#;e, %$ 1IRDA? '%

'()$")*' +#&e #$"!()$*e !"#$e"" #$ I$,#)

What is the life insurance ?

L#&e #$"!()$*e #" ) *%$'()*' &%( ).e$' %& "!. %& M%$e

'% 'he e("%$ )""!(e, >%( &)#+#$ h#.


13/35


14/35


4? T% 6$% 'he #.%(')$*e %& (%+e +)e, $)$*#)+ ),/#"%(

#$ 'he #$"!()$*e !"#$e""

5? T% !$,e("')$, h)' )(e 'he #.%(')$' )"e*' e("%$)+

,e/e+%.e$' %& $)$*#)+ ),/#"%(

Method of Data Collection

1? !e"'#%$$)#(e

B 6ee#$ #$ 'he /#e %& %e*'#/ %& 'he "'!, )$, *%$"!+'#$

#$,!"'( !#, ) "e' %& !e"'#%$$)#(e )" (e)(e,

!e"'#%$$)#(e &%(.)' )" @e" @ %( @N%@ 'e &e !e"'#%$

e(e %& M!+'#+e *h%#*e T%')+ $!.e( %& 'he !e"'#%$ #$*+!,e

#$ 'he ,)') *%++e*'#%$ e(e e+e/e$

2? I$'e(/#e

A &%(.)+ #$'e(/#e e(e )+"% *%$,!*'e, '% e+#*#' 'he (e"%$"e

&(%. 'he (e"%$,e$'"

3? F).+e )(e)

The )(e) "e+e*'e, &%( 'he "!(/e )" #'h#$ 'he +#.#' %&

6%+h)!( *#'

4? F).+e "#;e

The '%')+ ").+e" %& 'he 110 ),/#"%( e(e "e+e*'e, &%( 'h#"

"'!,

!i+itation

1? Th#" "'!, (e+)'e, '% K%+h)!( *#' %$+2? Th#" "'!, #" +#.#'e, '% 110 (e"%$,e$'" %$+

3? T#.e +#.#' )" .)%( *%$"'()#$'

C"MPAN' PR"FI!E

--------------------------------------------------------------------- BVU IMK KOLHAPUR


15/35


I'I'I B!+K

ICICI B)$6 #" I$,#)@" "e*%$, +)(e"' )$6 )$, +)(e"'(#/)'e "e*'%( )$6 #'h )""e'" %& R" 282372 #++#%$ )" %$ Fe'e.e( 30

2009 ICICI B)$6 (%/#,e" ) (%), "e*'(!. %& $)$*#)+ "e(/#*e" '%

#$,#/#,!)+" )$, *%.)$#e" Th#" #$*+!,e" .%(')e" *)( )$, e("%$)+

+%)$" *(e,#' )$, ,e#' *)(," *%(%()'e )$, )(#*!+'!()+ $)$*e The

B)$6 "e(/#*e" ) (%#$ *!"'%.e( )"e 'h(%!h ) .!+'#-*h)$$e+ )**e""

$e'%(6 h#*h #$*+!,e" %/e( 935 ()$*he" )$, e'e$"#%$ *%!$'e(" 2325

ATM" *)++ *e$'e(" )$, I$'e($e' )$6#$

P(!,e$'#)+ P+*

E"')+#"he, #$ L%$,%$ #$ 1848 P(!,e$'#)+ +* 'h(%!h #'" !"#$e""e"

#$ 'he UK )$, E!(%e 'he UF )$, A"#) (%/#,e" (e')#+ $)$*#)+

"e(/#*e" (%,!*'" )$, "e(/#*e" '% .%(e 'h)$ 21 .#++#%$ *!"'%.e("

%+#* h%+,e( )$, !$#' h%+,e(" %(+,#,e A" %& G!$e 30 2009 'he

*%.)$ h), %/e( 234 #++#%$ #$ &!$," !$,e( .)$)e.e$'

P(!,e$'#)+ h)" (%!h' '% .)(6e' )$ #$'e()'e, ()$e %& $)$*#)+

"e(/#*e" (%,!*'" 'h)' $% #$*+!,e" +#&e )""!()$*e e$"#%$" .!'!)+

&!$," )$6#$ #$/e"'.e$' .)$)e.e$' )$, e$e()+ #$"!()$*e I$A"#) P(!,e$'#)+ #" 'he +e),#$ E!(%e)$ +#&e #$"!()$*e *%.)$ #'h

) /)"' $e'%(6 %& 23 +#&e )$, .!'!)+ &!$, %e()'#%$" #$ 'e+/e

*%!$'(#e" - Ch#$) H%$ K%$ I$,#) I$,%$e"#) G))$ K%(e)

M)+)"#) 'he Ph#+##$e" F#$)%(e T)#)$ Th)#+)$, )$, V#e'$).

O/e( /#e

I$,#)@" N!.e( O$e (#/)'e +#&e #$"!(e( ICICI P(!,e$'#)+ L#&e

I$"!()$*e C%.)$ #" ) %#$' /e$'!(e e'ee$ ICICI B)$6-%$e %&

I$,#)@" &%(e.%"' $)$*#)+ "e(/#*e" *%.)$#e" )$, P(!,e$'#)+ +*-)

+e),#$ #$'e($)'#%$)+ $)$*#)+ "e(/#*e" (%! he),!)('e(e, #$ 'he

U$#'e, K#$,%.

T%')+ *)#')+ #$&!"#%$ "')$," )' R" 1585 #++#%$ #'h ICICI B)$6

h%+,#$ ) F')6e %& 74J )$, (!,e$'#)+ +* h%+,#$ 29J

--------------------------------------------------------------------- BVU IMK KOLHAPUR


16/35


"1r &ision

T% .)6e ICICI P(!,e$'#)+ 'he ,%.#$)$' L#&e )$, Pe$"#%$"

+)e( !#+' %$ '(!"' %(+,-*+)"" e%+e )$, "e(/#*e

Th#" e h%e '% )*h#e/e

U$,e("')$,#$ 'he $ee," %& *!"'%.e(" )$, %&&e(#$ 'he. "!e(#%(

(%,!*'" )$, "e(/#*e

Le/e()#$ 'e*h$%+% '% "e(/#*e *!"'%.e(" !#*6+ e&*#e$'+

)$, *%$/e$#e$'+

De/e+%#$ )$, #.+e.e$'#$ "!e(#%( (#"6 .)$)e.e$' )$,

#$/e"'.e$' "'()'e#e" '% %&&e( "!"')#$)+e )$, "')+e (e'!($" '% %!(

%+#*h%+,e("

P(%/#,#$ )$ e$)+#$ e$/#(%$.e$' '% &%"'e( (%'h )$, +e)($#$

&%( %!( e.+%ee" A$, )%/e )++ !#+,#$ '()$")(e$* #$ )++ %!(

,e)+#$"

P(%/#,#$ )$ e$)+#$ e$/#(%$.e$' '% &%"'e( (%'h )$, +e)($#$

&%( %!( e.+%ee"

A$, )%/e )++ !#+,#$ '()$")(e$* #$ )++ %!( ,e)+#$"

The "!**e"" %& 'he *%.)$ #++ e &%!$,e, #$ #'" !$&+#$*h#$

*%..#'.e$' '% 5 *%(e /)+!e" -- I$'e(#' C!"'%.e( :#("' B%!$,)(+e""

O$e("h# )$, P)""#%$ E)*h %& 'he /)+!e" ,e"*(#e" h)' 'he *%.)$"')$," &%( 'he !)+#'#e" %& %!( e%+e )$, 'he ) e %(6

--------------------------------------------------------------------- BVU IMK KOLHAPUR


17/35


:orking "f ,e $ranc,

Na#ur! &$ #! w&r1 &$ #! 3ari&us p!rs&""!l6

Sal! Ma"a*!r6

M( V#) G%"h# F)+e" .)$)e( #" .)$)#$ 'he K%+h)!(()$*h U$,e( h#. 'he(e )(e 20 !$#' .)$)e(" %(6#$

The ")+e" .)$)e( %/e("ee" 'he ()$*h #$ 'e(." %& ")+e" )$,

),.#$#"'()'#%$ The ")+e" &!$*'#%$ #$*+!,e" )*h#e/e.e$' %& 'he ")+e"

')(e' %& 'he ()$*h #'h 'he (e"e*' '% (e.#!. #$*%.e &%( $e

!"#$e"" #$ .%!'h (e$e)+ (e.#!." $!.e(" %& %+#*#e" "%!(*e,

)*'#/)'#%$ %& 'he ),/#"%(" )$, )+"% ,(#/#$ /)(#%!" *%$'e"'" F)+e".)$)e( )+"% h)" #.%(')$' ')"6 %& .)$ %e( ,e/e+%e, 'h(%!h

.%'#/)'#%$ !#,)$*e )$, e#$ ) (%+e .%,e+ &%( 'he !$#' .)$)e(.

U"i# Ma"a*!r6

U$#' .)$)e(" .)$)e 'he 'e). %& 25 :#$)$*#)+ A,/#"%(" h%.

he (e*(!#'" %/e( ) e(#%, %& '#.e &(%. h#" %$ *#(*+e %( 'h(%!h *%+,

*)++" The !$#' .)$)e( h)" 'he (e"%$"##+#' '% *%.+e'e ")+e" ')(e'"

h#*h #" "e' %!' #$ 'he .%$'h+ %+, "hee' He h)" '% )+"% .%'#/)'e h#"

'e). &%( e''e( e(&%(.)$*e

Fi"a"%ial A3is&r6

A,/#"%(" )(e #$,ee$,e$' $)$*#)+ *%$"!+')$'" h% %(6 %$

*%..#""#%$ )"#" The "e++ %+#*#e" '% *+#e$'" )" e( *%.)$#e" (!+e )$,

(e!+)'#%$" The *%.+e'e )++ ,%*!.e$')'#%$ )(' )$, "!.#' *)"e" '%

'he %e()'#%$ ,e)('.e$' &%( &!('he( (%*e""#$ A" e( *!((e$'

#$"!()$*e $%(." :#$)$*#)+ A,/#"%(" )(e +#*e$"e, )$, h)/e )!'h%(#' '%!"#$e"" )" e( IRDA (!+e" )$, (e!+)'#%$"

--------------------------------------------------------------------- BVU IMK KOLHAPUR


18/35


"R(ANISAI"N SRUCURE

Savings / :ealt, Creation Sol1tions

C)"h P+!"

C)"hB)6 L#&e+#$e F!e(.

I$/e"' Fh#e+, C)"h)6

H%.e A""!(e

C)$*e( C)(e

C"NCEPUA! $AC)(R"UND

--------------------------------------------------------------------- BVU IMK KOLHAPUR

FALEF MANA=ER

AFFIFTANCE FALEF MANA=ER

FENIOR A=ENC MANA=ER

A=ENC MANA=ER

UNIT MANA=ER

ADVIFOR


19/35


M)(6e'#$ Fe.e$')'#%$

#'h )$ #$*(e)"e #$ 'he "*)+e %& %e()'#%$ 'he "e.e$')'#%$%**!#e, ) +)*e %& "#$#*)$*e I$ 'he #$"!()$*e %()$#;)'#%$ 'he

')"6 %& &%(.!+)'#$ 'he %/e()++ .)(6e'#$ "'()'e#e" *)$@' e

e(&%(.e, e&*#e$'+ !$'#+ e "e.e$' 'he .)(6e' The .)(6e' &%(

'he #$"!()$*e !"#$e"" #& &%!$, /)"' The %'e$'#)+ %+#*h%+,e(" )(e

#$ /e( +)(e $!.e( )$, 'he#( $ee, )$, (e!#(e.e$'" )(e $%'

#,e$'#*)+ The "e.e$')'#%$ he+ 'he #$"!()$*e %()$#;)'#%$ #$

,#/#,#$ )$, "!,#/#,#$ 'he .)(6e' #$'% ".)++ "e.e$' #$ 'he $ee,"

)$, (e!#(e.e$'" )(e &!$, )$, +)(e #,e$'#*)+

The "e.e$')'#%$ %!+, he+ #$"!()$*e (%&e""#%$)+" #$

.)(6e'#$ 'he (%.%'#%$)+ .e)"!(e *(e)'#/e+ The ),/e('#"e.e$'

)e)+" .e"")e )$, *).)#$" (%)*'#/e '% 'he (e*e#/#$ *))*#'

%& 'he ')(e' )!,#e$*e The "e++" (%.%'#%$ .e)"!(e" *)$ e

#$$%/)'e, '% e' ) %"#'#/e (e"%$"e The e("%$)+ "e++#$ .) e

e&&e*'#/e "#$*e 'he ")+e" e("%$)+ e*%.e ))(e %& $ee," )$,

(e!#(e.e$'" '% !#+, "%!$, (%,!*' %('&%+#%

I$ (#e& "'!, %& "e.e$')'#%$ %!+, he+ #$"!()$*e

%()$#;)'#%$ '% &%(. e"' .)(6e'#$ "'()'e #$ 'he *%.e'#'#/e

.)(6e'

M)(6e'#$ M# &%( #$"!()$*e %()$#;)'#%$

The #$"!()$*e %()$#;)'#%$ $ee, '% )""#$ ,!e e#h' )e &%( 'he

&%(.!+)'#%$ %& .)(6e'#$ .# The e.e(#$ '(e$," #$,#*)'e 'h)' #&

'he #$"!()$*e %()$#;)'#%$ ,e+) 'he (%*e"" %& &%(.!+)'#$ ) "%!$,

.)(6e'#$ &%( 'he#( !"#$e"" 'he(e #++ e "h)( &)++ #$ 'he#(

.)(6e'#$ "h)(e #$ &!'!(e h#*h %!+, (#$ ,%$ 'he ()'e %&(%')#+#' M)(6e'#$ .# he+" '% &%(. e&&e*'#/e .)(6e'#$

"'()'e &%( #$"!()$*e %()$#;)'#%$ The(e )(e /)(#%!" "! .#e" %&

.)(6e'#$ F!*h )" (%,!*' .# (%.%'#%$ .# (#*e .# +)*e

.# e%+e .# (%*e"" .# )$, h"#*)+ )''()*'#%$

--------------------------------------------------------------------- BVU IMK KOLHAPUR


20/35


T! Pr&u%# Mi7

The &%(.!+)'#%$ %& 'he (%,!*' .# &%( 'he #$"!()$*e !"#$e""

#" "#$#*)$' )$, (%,!*' .e)$" "e(/#*e )$, "*he.e" %& #$"!()$*e

%()$#;)'#%$I$ 'he *%$'e' %& &%(.!+)'#$ 'he (%,!*' .# #' #" e""e$'#)+ 'h)'

'he #$"!()$*e %()$#;)'#%$ (%.%'e #$$%/)'#/e (%,!*' P(%,!*'

%('&%+#% #$*+!,e" e/e$ 'h%"e "e(/#*e" )$, "*he.e" h#*h )(e +#6e+ '%

e' ) %"#'#/e (e"%$"e #$ 'he &!'!(e

I$ 'he /#e %& 'he )%/e 'he &%++%#$ )"e*'" $ee, ,!e )''e$'#%$ &%(

,e/e+%#$ #$"!()$*e (%,!*'

1? The &%(.!+)'#%$ %& (%,!*' .# "h%!+, e #$ 'he &)*e %& 'he

#$$%/)'#/e (%,!*' "'()'e

2? The ,)') (%*e""#$ ,e)('.e$' #" "!%"e, '% *%++e*' $e*e"")(

#$&%(.)'#%$ (e+)'e, '% 'he *h)$#$ +e/e+ %& ee*')'#%$" %& (%"e*'""% "e$#%( ee*!'#/e .)6e 'he (%"e*' %('&%+#% (%,!*'#/e '% 'he !"e(

)$, (%')+e '% 'he #$"!()$*e %()$#;)'#%$

3? I' #" )+"% "#$#*)$' '% "'!, 'he (%,!*' +#&e **+e %& #$"!()$*e

(%,!*'

4? A "%!$, (%,!*' %('&%+#% #" 'he $ee, %& 'he h%!( )$, 'he(e&%(e 'he

(e!+)'%( )((#e(" *%$"'()#$'" #$ )*'#/)'#$ 'he #$$%/)'#%$ (%*e""

"h%!+, e .#$#.#;e,

T! Pr&i&" Mi7

I$ 'he &%(.!+)'#%$ %& .)(6e'#$ .# (%.%'#%$ .# %**!#e" )

+)*e %& %!'"')$,#$ "#$#*)$*e The(e )(e /)(#%!" ,#.e$"#%$" %& 'he

(%.%'#%$ .# "!*h )" A,/e('#"#$ P!+#* (e+)'#%$ F)+e" (%.%'#%$

%(+, %& .%!'h (%.%'#%$ Pe("%$)+ "e++#$ )$, Te+e.)(6e'#$ A++

'he *%.%$e$'" %& (%.%'#%$ $ee, ,!e )''e$'#%$ %& 'he #$"!()$*e

(%&e""#%$)+"

A? A,/e('#"#$

A,/e('#"#$ #" 'he )#, &%(. %& e("!)"#/e *%..!$#*)'#%$" I'

&%!$, #.%(')$' '% (%.%'e 'he #$"!()$*e !"#$e"" The ),/e('#"#$

(%&e""#%$)+ e)(" 'he (e"%$"##+#' %& .)6#$ 'he ),/e('#"#$

"+%)$" Ae)+" *).)#$" *(e)'#/e "% (%*e"" %& "e$"#'#;#$ 'he

(%"e*'" #" &%!$, (%-)*'#/e

--------------------------------------------------------------------- BVU IMK KOLHAPUR


21/35


B? P!+#*#'

I$ ),,#'#%$ '% 'he ),/e('#"e.e$' 'he #$"!()$*e (%&e""#%$)+ )+"%

$ee, '% 'h#$6 #$ &)/%( %& !+#*#' I' #" ) ,e/#*e '% (%.%'e !"#$e""

#'h%!' .)6#$ )$ ).e$' )$, "% #' )+"% *)++e, )" !$)#, &%(. %&

e("!)"#/e *%..!$#*)'#%$" Be)(#$ #'h 'he .e,#) #" )$ #.%(')$'

)"e*' %& !+#*#' P!+#* (e+)'#%$ %&*e(" ()$*h .)$)e( $)$*#)+

),/#"%(" %( e/e$ .e,#) e%+e +) #.%(')$' (%+e '% .)6e !+#*#'

#$ )*'!)+ e+,

C? F)+e" (%.%'#%$

e $, ")+e" (%.%'#%$ ) ,e/#*e '% (%.%'e ")+e" '% .e)' )

*e(')#$ ')(e' I' #" 'e.%()( ,e/#*e I' #" .e)$' &%( 'he e$, !"e( %&'he "e(/#*e" )$, 'he *h)$$e+" &%!$, #$"'(!.e$')+ #$ (%.%'#$ 'he

"e(/#*e" I$ !"#$e"" #$*e$'#/e" '% 'he %+#*h%+,e( %( '% 'he $)$*#)+

),/#"%( &%( (%.%'#$ 'he !"#$e"" )(e 'he ")+e" (%.%'#%$ '%%+" The

#$"!()$*e %()$#;)'#%$" %&&e( #$$%/)'#/e '%%+" %& ")+e" (%.%'#%$ )$,

#$*(e)"e %( ,e*(e)"e 'he ,!()'#%$ ,ee$,#$ !%$ 'he !"#$e""

*%$,#'#%$ /#"--/#" 'he e.e(#$ '(e$," #$ !"#$e""

Pri%! Mi7

I$ 'he #$"!()$*e !"#$e"" 'he (#*#$ ,e*#"#%$ )(e *%$*e($e,

#'h 'he *h)(e, ))#$"' 'he %+#*#e" I$'e(e"' *h)(e, &%( ,e&)!+' #$

'he ).e$' %& (e.#!. )$, *(e,#' &)*#+#'#e" *%..#""#%$ *h)(e, &%(

!$,e((#'#$ )$, *%$"!+'#$ "e(/#*e" The &%(.!+)'#%$ %& (#*#$

"'()'e e*%.e" "#$#*)$' #'h 'he /#e%#$' %& #$&+!e$*#$ 'he

')(e' .)(6e' %( (%"e*'" The #$"!()$*e %()$#;)'#%$ ),%' "!*h )

"'()'e &%( (#*#$ 'h)' .)6e" #' ) .%'#/)'#%$)+ '%%+ )$, )/e" 'he

)" &%( #$*(e)"#$ 'he #$"!()$*e !"#$e"":%++%#$ %#$' he+" !" '% ),%' ) %%, (#*#$ "'()'e

A? M)(6e'#$ %""#+e *%"' %& e&&e*'#/e$e""

B? Re"'(!*'!(#$ %& (e.#!.

C? D!e (#%(#' '% (%' e$e()'#$ #$/e"'.e$'"

D? M)6#$ 'he )" &%( .)#.#;#$ (%')#+#'

--------------------------------------------------------------------- BVU IMK KOLHAPUR


22/35


Pla%! Mi7

I$ 'he +)*e .# 'he(e %!+, e &%*!" %$ '% #.%(')$' &)*'"-

M)$)#$ #$"!()$*e e("%$)+ )$, +%*)'#%$ %& 'he ()$*hThe '()$"&%(.)'#%$ %& 'he %'e$'#)+ %+#*h%+,e( #$'% 'he )*'!)+

%+#*h%+,e( #" ) ,#&*!+'#e" ')"6 Th#" ,ee$," !%$ 'he (%&e""#%$)+

e*e++e$*e %& #$"!()$*e (%&e""#%$)+ The(e #" *%$"')$' *h)$e #$ 'he

&)"h#%$ )$, %'he( e'e($)+ e$/#(%$.e$' Th#" &%(. 'he e(*e'#%$

)$, ee*')'#%$ %& %'e$'#)+ *!"'%.e( The"e *h)$e" (e!#(e, '%

"'!, 'he *%.)$ )$, !#,e 'he#( #$"!()$*e (%&e""#%$)+" &%(

"!**e""&!+ "e++#$ %& #$"!()$*e

h#+e +%*)'#%$ %& #$"!()$*e ()$*he" .)$)e(" $ee, '% *%$"#,e(

) $!.e( %& &)*'%(" "!*h )" ".%%'h )**e""##+#' )/)#+)#+#' %&

#$&()"'(!*'!(e &)*#+#'#e" )$, .)$)e.e$' %& ()$, %&*e" )$,(e.#"e" H#" &)*#+#' #$*+!,e" %%, *%$,#'#%$ (%)," %e( &)*#+#'#e"

*%..!$#*)'#%$ "e(/#*e" #$&%(.)'#%$ "e(/#*e" %( "% %$.

T! P!&pl!

I$ I$"!()$*e !"#$e"" #$"!()$*e e("%$)+" )(e .%(e #.%(')$'

*%.%$e$' %& .)(6e'#$ .# :#$)$*#)+ A,/#"%( (%/#,e" )''e$'#%$ %$'he ,e/e+%.e$' %& #$"!()$*e (%&e""#%$)+" The ,e/e+%.e$' %&

e("%$)+ #" "!*h ) ) 'h)' )$ %()$#;)'#%$ "!**ee," #$ .)6#$

%""#+e (%,!*'#/e !'#+#;)'#%$ %& 'e*h$%+%#e" !"e, %( +#6e+ '% e

!"e,

The #$"!()$*e %()$#;)'#%$ h)" ee$ .)6#$ !"e %& "%h#"'#*)'e,

#$&%(.)'#%$ 'e*h$%+%#e" '% #.(%/e 'he !)+#' %& 'he#( "e(/#*e" The

!"e %& *%.!'e(" .#*(% *%.!'e(" &) .)*h#$e" "%h#"'#*)'e,

'e+eh%$e "e(/#*e" e-.)#+#$ #$'e($e' )$, #$'()$e' "e(/#*e" h)/e

ee$ &%!$, 'h(%#$ ) # #.)*' %$ 'he e(*e'#%$ %& !)+#' %&"e(/#*e"

--------------------------------------------------------------------- BVU IMK KOLHAPUR


23/35


DATA ANA'8SIS

T)+e N%1 A(e) %& (e"#,e$*e

The &%++%#$ ')+e "h%" 'he e(*e$')e %& ),/#"%(" %$ 'he )"#"

%& )(e) %& (e"#,e$*eI' he+" !" '% !$,e("')$, 'he e(*e$')e %& ),/#"%("

(e*(!#'e, &(%. !()$ )$, (!()+ )(e) I' #" #.%(')$' e*)!"e #' ,e$e"

'he .)(6e' he(e he ")+e" %+#*e" .%"'+

A,,(e"" N% %& (e"%$,e$'" Pe(*e$')e

Kolh!"# $3 %4.54

R"#l 1& 15.45

To'l 11( 1((

Area of residence

84%

16%

Kolhapur

Rural

I$'e((e')'#%$

The )%/e ')+e "h%" 'h)' 84J %& ),/#"%(" (e*(!#'e, 'he

*%.)$ )(e &(%. K%+h)!( *#' #'"e+& )$, 19J ),/#"%(" )(e &(%. 'he(!()+ )(e) I' "h%" 'h)' 'he(e #" .!*h %'e$'#)+ )/)#+)+e &%( 'he

*%.)$ '% e)$, 'he#( !"#$e"" #$ 'he (!()+ )(e) I' #" 'he (%%' *)!"e

%& 'he *%.)$#e" %#$' %& /#e !' )+"% &%( 'he %/e()++ e*%$%. %& 'he

*%!$'(

--------------------------------------------------------------------- BVU IMK KOLHAPUR


24/35


T)+e N% 2 Ae =(%!

:%++%#$ ')+e "h%" 'he e(*e$')e %& ),/#"%( %$ 'he )"#" %& 'he )e

(%!De&e(e$' )e (%! %& ),/#"%( *)$ *(e)'e (e+)'#%$ #'h 'he#( %$

)e (%! %& C!"'%.e(" h#*h he+" *%.)$ '% ")+e e/e( (%,!*' %&'he *%.)$#e" (%,!*' %('&%+#%

Ae (%! N% %& (e"%$,e$'" Pe(*e$')e

2()3( &( *3.*3

3()4( 25 22.&2

4()5( % &.2

5()*( & *.3*

To'l 11( 1((

Age group

64%23%

7% 6%20-30

30-40

40-50

50-60

Interpretation:

The )%/e ')+e "h%" 94J %& 'he '%')+ ),/#"%(" )e #" e'ee$

>20-30? )$, 23J %& ),/#"%(" #" e'ee$ >30-40? )e (%!

I' #" *+e)( &(%. 'h#" ,)') 'h)' %!$ e$e()'#%$ #" .!"h #$'e(e"'e, '%

e$'e( #$ 'he #$"!()$*e !"#$e"" I$"!()$*e !"#$e"" (e!#(e, )(e""#%$)$, e$'h!"#)". %!$ e$e()'#%$ h)/e 'h#" !)+#'

B!' %$+ 13J ),/#"%(" )(e #$ 40-90 )e (%!" I& *%.)$ h)/e .%(e

),/#"%(" &(%. 'h#" 'he .) e )+e '% ")+e (e'#(e.e$' e$"#%$ %+#*e"

.%(e e&*#e$'+.

--------------------------------------------------------------------- BVU IMK KOLHAPUR


25/35


T)+e N% 3 E,!*)'#%$ O& The A,/#"%("

:%++%#$ ')+e "h%" 'he e,!*)'#%$ +e/e+ %& ),/#"%("

T%,) 'he(e )(e 15 #$"!()$*e *%.)$#e" #$ 'he #$"!()$*e .)(6e' Th#"

*(e)'e" '!&& *%.e'#'#%$ U$#' +#$6 #$"!()$*e %+#*e" (e!#(e, ) %%,6$%+e,e %& "h)(e .)(6e' E,!*)'e, ),/#"%(" *)$ *%$/#$*e *!"'%.e(

.%(e e&&e*'#/e+

E,!*)'#%$ N% %& (e"%$,e$' Pe(*e$')e

H.S.C 1( $

G#+"', && *%

Po-' G#+"', 23 23

To'l 11( 1((

I$'e((e')'#%$

:(%. )%/e ,)') #' #" *+e)( 'h)' 70J %& 'he ),/#"%(" )(e =(),!)'e )$,

21J P%"' =(),!)'e

I' #" he+&!+ )$, )+"% %$e %& 'he "'(e$'h %& 'he *%.)$ 'h)' *%.)$#e".)%(#' ),/#"%(" #" h#h+ e,!*)'e, I' he+" 'he. '% "e++ !$#' +#$6

%+#*#e" h#*h (e!#(e, %%, .)(6e' 6$%+e,e E/e$ e,!*)'e,

),/#"%(" *)$ .)6e !+#*#' )$, *(e)'e ))(e$e"" %& *%.)$ #$ 'he

*%.e'#'#/e .)(6e' .%!'h-'%-.%!'h !+#*#' h#*h #" 'he .%"'

e&&e*'#/e ) %& 'he (%.%'#%$ #$ #$"!()$*e !"#$e"".

--------------------------------------------------------------------- BVU IMK KOLHAPUR


26/35


T)+e N% 4 Te %& B!"#$e"" D%$e

:%++%#$ ')+e "h%" '#.e ,e/%'e, ),/#"%(" '% #$"!()$*e !"#$e""

I$"!()$*e "e++#$ #" $%' %$+ %$e '#.e )*'#/#' !' #' (e!#(e" *(e)'#$

.!'!)+ (e+)'#%$"h# #'h *!"'%.e( F% #' #" #.%(')$' '% 6$% h%

.)$ ),/#"%(" )(e ,e/%'#$ 'he#( &!++ '#.e &%( 'h#" !"#$e""

Type Of Business one

31.81

68.19

0

20

40

60

80

Full time Part time

Type

!ercentage

I$'e((e')'#%$

:(%. )%/e ')+e #' #" *+e)( 'h)' 3180J ),/#"%(" )(e ,%#$ &!++ '#.e

!"#$e"" )$, 981J )(e )(' '#.e

I' #" e''e( &%( *%.)$ '% h)/e .%(e &!++ '#.e ),/#"%(" e*)!"e '% e'

"!**e"" #$ 'he #$"!()$*e !"#$e"" #' (e!#(e, *(e)'#$ ) e("%$)+ (e+)'#%$

#'h 'he *!"'%.e( A %%, *!"'%.e( (e+)'#%$"h# .)$)e.e$' >CRM? #"

'he 6e &)*'%( &%( "!**e"" #$ 'h#" !"#$e"" F% &!++ '#.e %(6#$ ),/#"%("

*)$ *(e)'e ) e(.)$e$' (e+)'#%$"h# #'h *!"'%.e( 'he *)$ .%'#/e

!#,e )$, ),/#"e 'he#( *+#e$' &%( #$/e"'.e$' )$, e/e$ 'he *)$ (%/#,e

e"' )&'e( ")+e" "e(/#*e"

--------------------------------------------------------------------- BVU IMK KOLHAPUR

Te %& !"#$e""

,%$e

N% %& (e"%$,e$' Pe(*e$')e

F"ll '/, 35 31.%1

P#' '/, &5 *%.1$

To'l 11( 1((


27/35


T)+e N% 5 P(%+e %& 'he *+#e$'

The ')+e e+% "h%" 'he (%+e %& 'he *+#e$' '% h%. ),/#"%(" "%+,

%+#*#e"I' he+" !" '% !$,e("')$, 'he ')(e' (%! %& *!"'%.e( %&),/#"%(" Th#" .%(e %( +e"" ,ee$," ! %$ 'he (e"#,e$'#)+ )(e) e,!*)'#%$

+e/e+ )$, )e %& 'he ),/#"%(".

P(%+e %& 'he *+#e$' N% %& (e"%$,e$'" Pe(*e$')e

P#o0,--ol 25 23

B"-,-- l-- 4( 3*

S,#,- l-- 3( 2&

F#/,# 15 14

I$'e((e')'#%$

:(%. 'he )%/e ')+e #' #" *+e)( 'h)' I*#*#(!,e$'#)+" ),/#"%("

h)/e "!**e""&!++ *(e)'e, !"#$e"" &(%. (%&e""#%$)+ "e(/#*e" *+)""e%+e Th#" (%! %& *!"'%.e( h)" #$*%.e '% #$/e"' #$ #$"!()$*e )$,

)+"% 'he )(e ))(e )%!' #.%(')$*e %& #$"!()$*e

B!' %$+ 14J ),/#"%(" )(%)*he" '%)(," &)(.e(" !' #' #" ,e.)$, %&

h%!( '% *(e)'e %& ")/#$ ).%!$' e/e$ 'he &)(.e(" )$, .%'#/)'e 'he. '%

#$/e"' 'he. #$ .%(e (%' .)6#$ $)$*#)+ )""e'"

--------------------------------------------------------------------- BVU IMK KOLHAPUR


28/35


T)+e N% 9 Nee, O& C!"'%.e(

Th#" ')+e "h%" h% ),/#"%(" !$,e("')$, 'he $ee, %& 'he#( *!"'%.e( '%

")+e 'he )('#*!+)( %+#*I' he+" !" '% !$,e("')$, %$ h#*h )"e*'

),/#"%(" )(e &%*!"#$ 'he#( )''e$'#%$ '% "e++ 'he )('#*!+)( %+#*e"

Nee, N% %& Re"%$,e$' Pe(*e$')e

O"!'o *4 5%..1%

Io/, %4 &*.3*

A, 51 4*.3*

All * 5.4

To'l 11( 1((

"eed of custo#ers

58.18

76.36

46.36

5.4

occupation

ncome

!"e

!ll

#

I$'e((e')'#%$

:(%. )%/e ')+e #' *+e)( 'h)' 7939J ),/#"%(" )(e &%*!"#$ %$ 'he

#$*%.e %& 'he *!"'%.e( he(e )" 5818J ),/#"%(" )(e %$ %**!)'#%$)$, 4939J )(e %$ )e

:(%. 'h#" ,)') #' #" *+e)( 'h)' #$*%.e %**!)'#%$ %& 'he *+#e$'" #" .%"'

,%.#$)$' &)*'%( &%( 'he #$"!()$*e #$/e"'.e$' I$"!()$*e #$/e"'.e$'

#/e" 'he. '(#+e e$e' "!*h )" %%, (e'!($ #'h "e*!(#' )$, e/e$ ')

,e,!*'#%$B &%*!"#$ %$ )e ),/#"%(" *)$ ,e*#,e %$ 'he *h#+,(e$ )$,

e$"#%$ #$"!()$*e +)$.

--------------------------------------------------------------------- BVU IMK KOLHAPUR


29/35


T)+e N% 7D#&*!+'#e" &)*e,

:%++%#$ ')+e "h%" 'he %#$#%$ )%!' 'he ,#&*!+'#e" &)*e, 'he

),/#"%(" h#+e "e++#$ %+#*e" I' he+" !" '% !$,e("')$, 'he

,#&*!+'#e" &)*e, h#*h *%.)$ *)$ )+e '% $, %!' 'he (e.e,#e"% 'he )('#*!+)( (%+e. h#*h he+" '% e)$, 'he !"#$e"".

D#&*!+'#e" &)*e, N% %& (e"%$,e$'" Pe(*e$')e

P#', o/! 5% 52.&2

Lo6 A6#,,-- o0 !#" 23 21

Mo#, !#,/"/ 5& 51.%1

Mo#, o/!,''o 34 31

No +00"l',- 0, 11 11

I$'e((e')'#%$

:(%. )%/e ')+e #' #" *+e)( 'h)' 5257J ),/#"%(" ") 'h)' .%"'

,#&*!+'#e" &)*e, 'he. #" +% +e/e+ )**e')$*e %& 'he (#/)'e

#$"!()$*e C% Th%!h 'he #$"!()$*e #$,!"'( #" %e$ &%( (#/)'e "e*'%(

&(%. 2000 )$, I*#*#(!,e$'#)+ #" 'he $%1 (#/)'e +)e( #$ 'h#" "e*'%(

"'#++ e%+e h)/e +% )**e')$*e +e/e+ %& (#/)'e #$"!()$*e C%.:!('he(

52J ),/#"%( )+"% ")" (e.#!. %& 'he %+#*#e" #" .%(e #' #" %$e %& 'he

,#&*!+' &)*e, 'he ),/#"%("21J ),/#"%(" ") *!"'%.e( h)" +%

))(e$e"" %& I*#*# (!,e$'#)+

--------------------------------------------------------------------- BVU IMK KOLHAPUR


30/35


T)+e N% 8 F)'#"&)*'#%$ #'h 'he *%..#""#%$

:%++%#$ ')+e "h%" 'he ")'#"&)*'#%$ +e/e+ %& 'he ),/#"%(" &%( 'he

*%..#""#%$ 'he e' &(%. 'he *%.)$I$ 'he #$"!()$*e !"#$e""

")'#"&)*'#%$ &%( 'he *%..#""#%$ %& 'he ),/#"%(" #" .%"' #.%(')$'e*)!"e ),/#"%(" #++ %(6 %$+ #& 'he e' %%, *%..#""#%$ F% #' he+"

!" '% !$,e("')$, ")'#"&)*'#%$ %& 'he ),/#"%(" &%( 'he *%..#""#%$ h#*h

'he e' &(%. 'he *%.)$.

Re"%$,e$' N% O& Re"%$,e$'" Pe(*e$')e

Y,- $1 %2.&2

No 1$ 1&.2&

To'l 11( 1((

I$'e((e')'#%$

A%/e ')+e *+e)( 'h)' 83J ),/#"%(" )(e ")'#"e, #'h 'he *%..#""#%$

'he )(e e''#$ &(%. 'he *%.)$ I' "h%" 'h)' *%.)$ #" #/#$

%%, *%..#""#%$ )$, %'he( &)*#+#'#e" '% ),/#"%(" A,/#"%(" )(e 'he 6ee("%$ #$ #$"!()$*e !"#$e"" 'he#( ")'#"&)*'#%$ #'h *%..#""#%$ he+"

*%.)$ '% +)$ 'he#( .)(6e'#$ "'()'e .%(e )(e""#/e+ )$,

e&&e*'#/e+ #$ 'he *%.e'#'#/e .)(6e'B!' 17J ),/#"%(" )(e $%' ")'#"e,

'he(e +% +e/e+ %& ")'#"&)*'#%$ "h%!+, e &%*!"e, )$, #.(%/e, 'he

*%.)$.

--------------------------------------------------------------------- BVU IMK KOLHAPUR


31/35


FINDIN/S 9 SU//ESTIONS

%I+DI+S

M)%(#' %& 'he ),/#"%(" (e*(!#'e, 'he *%.)$ #" &(%.

K%+h)!( *#' )$, !()$ )(e) F% 'he(e #" .!*h %'e$'#)+ &%( 'he

*%.)$ '% e)$, 'he#( !"#$e"" #$ 'he (!()+ )(e) %& K%+h)!(.

C%.)$ h)" .%(e $!.e(" %& ),/#"%(" #$ e'ee$ )e (%! %&

20 '% 30 )$, 30 '% 40 Th#" e$e()'#%$ #" .%(e e$'h!"#)"'#* )$,

#$'e(e"'e, '% e$'e( #$ 'he #$"!()$*e !"#$e""

E/e$ 'he(e #" %'he( ,#&&e(e$' )e (%! %& ),/#"%(" %(6#$ #$

*%.)$.

M%"' %& 'he ),/#"%(" )(e ,%#$ #$"!()$*e !"#$e"" )" ) "!%('#$

!"#$e"" #'h 'he (e"e$' % )$, e/e$ "%.e ),/#"%(" ,e/%'#$ &!++

'#.e &%( 'h#" !"#$e"".

ICICIP(!,e$'#)+ ),/#"%(" h)/e "!**e""&!++ *(e)'e, !"#$e"" &(%.

(%&e""#%$)+ !"#$e"".)$ "e(/#*e *+)"" e%+e

--------------------------------------------------------------------- BVU IMK KOLHAPUR


32/35


SU-STI+S

I$,#) h)" ) # !$')e, .)(6e' e"e*#)++ #$ 'he (!()+ )(e) 'h)'

*)$ e *)'!(e, 'he *%.)$

R#h' e("%$ )' (#h' '#.e )' (#h' +)*e )$, )' 'he (#h'

!)$'#' #" /e( #.%(')$'. F% *%.)$ "h%!+, (e*(!#' .%(e

),/#"%(" &(%. ,#&&e(e$' )e (%! )$, e/e$ &(%. !()$ )$, (!()+

)(e)

M)6e ) "e.e$')'#%$ %& 'he %'e$'#)+ )/)#+)+e .)(6e' )$, %&&e(

'he (%,!*' '% 'he e)*h ')(e' (%! %& 'he *!"'%.e(.

I$"!()$*e !"#$e"" #" 'he ,#(e*' .)(6e'#$ 'h(%!h $)$*#)+

),/#"%(" =%%, *!"'%.e( (e+)'#%$"h# .)$)e.e$' >CRM? #" 'he

)"#* (e!#(e.e$' &%( 'he "!**e"" #$ 'h#" !"#$e"" F% *%.)$

"h%!+, (e*(!#' .%(e ),/#"%(" h% #++ ,e/%'e 'he#( .%(e '#.e &%(

'h#" !"#$e""

Ve( &e ),/#"%(" )(e )(%)*h#$ '%)(," 'he &)(.e(" )$, (!()+

e%+e B!' e/e$ 'h#" (%! %& *!"'%.e( )+"% h)" %%, #$/e"'.e$'

)#+#'#e" E)$"#%$ %& #$"!()$*e !"#$e"" ).%$ 'h#" (%! %&

"%*#e' #" $e*e""#' %& %!( e*%$%..

C%.)$ )+"% +)$ *%$'#$!%!" '()#$#$ (%()." &%(

),/#"%(" )"

e( 'he#( (e!#(e.e$' B h#*h 'he *)$ !,)'e 'he#( "e++#$

F6#++ )" e( 'he *h)$#$ .)(6e' (e!#(e.e$'

--------------------------------------------------------------------- BVU IMK KOLHAPUR


33/35


;UESI"NNAIRE

N).e

A,,(e""

Te+ $%

M%$%

Ae

N% %& %+#* "%+,

N% %& e)(" #$ !"#$e""

1 h#*h 'e %& !"#$e"" ,%$eQ

:!++ '#.e

P)(' '#.e

2 H% ,% %! *(e)'e %!( %$ ,)')-)"eQ

Pe("%$)+ "e++#$

Te+e*)++#$

C%+, *)++#$

:)(.e(

3 h)' #" 'he (%+e %& %!( *+#e$' Q

P(%&e""#%$)+"

B!"#$e"" *+)""

Fe(/#*e *+)""

O'he("

4 H% ,% %! !$,e("')$, 'he $ee," %& *!"'%.e(" Q

O**!)'#%$ I$*%.e

Ae

O'he( &)*'%("

--------------------------------------------------------------------- BVU IMK KOLHAPUR


34/35


5 h#*h %+#* %! "%+, .!"'Q

U$#' +#$6

T(),#'#%$)+ +)$

9 h)' 6#$, %& ,#&*!+'#e" %! &)*e ,!(#$ "e++#$ %& %+#*#e" Q L% )**e')$*e +e/e+ %& (#/)'e #$"!()$*e

L% ))(e$e"" %& ICICI (!,e$'#)+

M%(e ).%$ %& (e.#!.

M%(e *%.e'#'#%$

A$ %'he(

7 A(e %! ")'#"e, #'h 'he *%..#""#%$ %! e' &(%. ICICI Q

e"

N%

8 I& e" 'he$ "*)+e

0 '% 25 J

25 '% 50 J

50 '% 75 J

75 '% 100 J

h)' 6#$, %& &)*#+#'#e" %! e' &(%. ICICI Q

T()#$#$ Te+eh%$e

F!%(' %& UM

C%$'e"'

A$ %'he(

10A(e %! ")'#"e, #'h 'he#( %Q

e"

N%

HOQ

11h)' #' ')6e '% e*%.e "!**e""&!+ #$ 'he e+, %& #$"!()$*e

),/#"%("Q

--------------------------------------------------------------------- BVU IMK KOLHAPUR


35/35


$I$!I"(RAP%'

/-BSIT-S

%%+e*%.

#*#*#(!+#&e*%.

M)(6e'#$ .)$)e.e$'

By :- Kotler & Killer

F)+e" .)$)e.e$'

By :- .A.Chunawalla
http://www.google.com/http://www.iciciprulife.com/http://www.google.com/http://www.iciciprulife.com/

mark strategy icici l i

Documents