A Reliance Capital Company

Reliance Money
A Reliance Capital Company

A Reliance Capital Company

INTRODUCTION TO THE RELIANCE CAPITAL

Reliance Capital Limited (RCL) is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India under section 45-IA of the Reserve Bank of India Act, 1934. RCL was incorporated as a public limited company in 1986 and is now listed on the Bombay Stock Exchange and the National Stock Exchange (India). Reliance Capital sees immense potential in the rapidly growing financial services sector in India and aims to become a dominant player in this industry and offer fully integrated financial services. It is headed by Anil Ambani. Reliance Capital is one of Indias leading and fastest growing private sector financial services companies, and ranks among the top 3 private sector financial services and banking companies, in terms of net worth. Reliance Capital has interests in asset management and mutual funds, life and general insurance, private equity and proprietary investments, stock broking and other activities in financial services.

A Reliance Capital Company

A Reliance Capital Company

RELIANCE MONEY
Reliance Money is a group company of Reliance Capital; one of India's leading and fastest growing private sector financial services companies, ranking among the top 3 private sector financial services and banking companies, in terms of net worth. Reliance Capital is a part of the Reliance Anil Dhirubhai Ambani Group. Reliance Money is a comprehensive electronic transaction platform offering a wide range of asset classes. Its endeavour is to change the way India transacts in financial markets and avails financial services. Reliance Money is a single window, enabling you to access, amongst others in Equities, Equity & Commodities Derivatives, Mutual Funds, IPOs, Life & General Insurance products, Offshore Investments, Money Transfer, Money Changing and Credit Cards.

A Reliance Capital Company

Reliance Money In A SINGLE WINDOW

www.reliancemoney.com

A Reliance Capital Company

Reliance Money In A SINGLE WINDOW

www.reliancemoney.com

A Reliance Capital Company

Businesses

A Reliance Capital Company

Reliance ADA Group

Communications Energy

Reliance ADA Group

Capital

Entertainment

Infrastructure

Natural Resources

Wireless

Generation

Mutual Funds

Adlabs Healthcare

Broadband

Transmission

Life Insurance

Radio Mudra Communications

Webworld

Distribution

General Insurance

New Inititives

Global Business

Power Trading

Reliance Money

Infostream

EPC

Private Equity

NIS Sparta

New Initiatives

Core Businesses

New Growth Areas

A Reliance Capital Company

Reliance Money Structure

CEO
Head Legal & Finance Head CTO Head Operations Head Sales and Distribution Product Management Group FX, Commodity, Equity, Insurance Head Human Resources Head Insurance Broking

Head Quality
Head Marketing & Communication

Head Customer Service

A Reliance Capital Company

Our Vision
Empowering Everyone to Live their Dream

Our Mission
To offer unparallel value by providing the customer transparent, convenient and effective anytime -anywhere integrated financial transaction capability

A Reliance Capital Company

Title of the Project

Returns Perspective Towards Individuals

The challenges faced by individuals in effectively dealing with the new schemes logic of increasing returns as the information and knowledge intensity of their transformation processes rises. Dealing with these challenges is especially relevant for companies currently making the transition from capital and physical labor intensive transformation processes (old economy) to information and knowledge intensive transformation processes (new economy).

A Reliance Capital Company

OBJECTIVES
To study the factors that affects the investment decision for an individual. To study the major composition of avenues that an individual prefer. To analyze the duration that an individual expect his lucrative return an his investments. To study the degree of risk that an individual is ready to bear for his investment. To study the individual preferences for not opting the other schemes.

A Reliance Capital Company

SAMPLE SELECTION
Sample Size : 125 Sample Method : Non-Probability Judgmental Sampling Unit : Individuals Sampling Frame : Belgaum City Duration of the Project 2 Months (From 15th may to 15th July)

A Reliance Capital Company

Des criptive Statis tics N Company's Goodw ill Returns Risk Duration All of the above Valid N (lis tw ise) 125 125 125 125 125 125 Minimum .00 .00 .00 .00 .00 Max imum 1.00 2.00 3.00 4.00 5.00 Mean .1840 .5920 .6240 .2560 2.5600

4% 14%

The graphs shows that the 4% of the respondents consider the companys goodwill as the important factor before making an investment. 14% of the respondents consider the returns as the important factor while making an investment. 15% of the respondents consider the risk as the important factor while making an investment. 6% of the respondents consider the duration as the important factor while making an investment. 61% of the respondents consider the risk as the important factor while making an investment.

15% 61% 6%

1. What factors do you consider most important before making an investment?

A Reliance Capital Company

Des criptive Statis tics N Fixed Depos its Stock / Equity Mutual Fund Insuranc e Others Valid N (lis tw ise) 125 125 125 125 119 119 Minimum .00 .00 .00 .00 .00 Max imum 1.00 2.00 3.00 4.00 5.00 Mean .4400 .1440 .2400 2.4640 .7143

18%

11% 4% 6%

The graphs shows that the 11% of the respondents have invested in fixed deposits. 4% of the respondents have invested in stock/equity. 6% of the respondents have invested in mutual funds. 61% of the respondents have invested in mutual funds. 18% of the respondents have invested in mutual funds.

61%

2. What are your investment avenues that you have already invested

A Reliance Capital Company

Fixe d De posits Cumulativ e Percent 56.0 61.6 89.6 100.0

V alid

Not interested 1 - 5 yrs 5 - 10 yrs 10 - 15 y rs Total

Frequenc y 70 7 35 13 125

Percent 56.0 5.6 28.0 10.4 100.0

V alid Percent 56.0 5.6 28.0 10.4 100.0

Fixed Deposits

The graphs shows that the 56% of the respondents dont want to keep their money in fixed deposits for a longer time which is closed ended schemes. They want to use their money by creating asset for future. 28% of the respondents have kept their money with long term deposits i.e, 10-15 years and want to generate fair returns on fixed deposits. They are quite happy with the present situation. 10.4 of the respondents have kept their money with medium term deposits i.e, 5-10 years and want to generate good returns on fixed deposits. 5.6% of the respondents kept their money with minimum term deposits i.e, 1-5 years as they want to withdraw for some purpose after a period of time.

10 - 15 yrs 10.4%

5 - 10 yrs 28.0% Not interested 56.0%

1 - 5 yrs 5.6%

3. What is the duration that you invest your money for lucrative returns

A Reliance Capital Company

Stock / Equity
6 months - 1 yrs 3.2% 1 - 6 months 4.0%
Stock / Equity Cumulativ e Percent 92.8 96.8 100.0

Valid

Frequenc y Not interested 116 1 - 6 months 5 6 months - 1 yrs 4 Total 125

Percent 92.8 4.0 3.2 100.0

Valid Percent 92.8 4.0 3.2 100.0

The above graphs shows that the 92.8% of the respondents dont want to invest the money in stock/equity as there is high risk in it and they want to be safer side. 3.2% of the respondents are aware about stock/equity as they want to generate high returns with high risk by keeping the shares with along period of time i.e, 6 months to 1 year. 4% of the respondents want to keep the shares till 1 month to 6 months to grab new opportunities.

Not interested 92.8%

3. What is the duration that you invest your money for lucrative returns

A Reliance Capital Company

Mutual Fund
10 - 15 yrs 8.8% 1 - 5 yrs .8%

Mutual Fund Cumulativ e Percent 90.4 91.2 100.0

Valid

Not interested 1 - 5 yrs 10 - 15 y rs Total

Frequenc y 113 1 11 125

Percent 90.4 .8 8.8 100.0

Valid Percent 90.4 .8 8.8 100.0

Not interested 90.4%

The above graphs shows that the 90.4% of the respondents dont have much knowledge about the mutual funds. 8.8% of the respondents want their investments should get high returns for keeping a longer period of time. 0.8% of the respondents want to get high returns in a short period of time.

3. What is the duration that you invest your money for lucrative returns

A Reliance Capital Company

Ins urance Cumulativ e Percent 38.4 40.8 72.0 100.0

V alid

Not interested 5 - 10 yrs 10 - 15 y rs 15 - 30 y rs Total

Frequenc y 48 3 39 35 125

Percent 38.4 2.4 31.2 28.0 100.0

V alid Percent 38.4 2.4 31.2 28.0 100.0

3. What is the duration that you invest your money for lucrative returns
Insurance

The above graphs shows that the 38.4% of the respondents dont want to invest in insurance as they are confused of various policies of no. of companies. 31.2% of the respondents have investment in insurance for a medium period of time i.e., 10-15 as they want to planned for some purpose. 28% of the respondents have invested their money for a longer period of time i.e., 15-30 years for their life coverage. 2.4 % of the respondents kept their money with minimum term i.e, 1-5 years as they want to withdraw for some purpose after a period of time.

15 - 30 yrs 28.0% Not interested 38.4%

5 - 10 yrs 10 - 15 yrs 31.2% 2.4%

A Reliance Capital Company

Fixe d De posits Cumulativ e Percent 57.6 90.4 92.0 100.0

V alid

Not interested 1 as low 2 - 3 moderate 4 - 5 high Total

Frequenc y 72 41 2 10 125

Percent 57.6 32.8 1.6 8.0 100.0

V alid Percent 57.6 32.8 1.6 8.0 100.0

Fixed Deposits
The above graphs shows that the 57.6% of the respondents are not interested to tell about the returns on their investments. 8% of the respondents rank that there is a high risk on fixed deposits. 1.6% of the respondents rank that there is a moderate risk on fixed deposits. 32.8% of the respondents rank that there is a low risk on fixed deposits.
4 - 5 high 8.0% 2 - 3 moderate 1.6%

4. What degree of risk do you see on your investments

1 as low 32.8% Not interes ted 57.6%

A Reliance Capital Company

Stock / Equity
4 - 5 high 5.6%

4. What degree of risk do you see on your investments

2 - 3 moderate 1.6% 1 as low .8%

Stock / Equity Cumulativ e Percent 92.0 92.8 94.4 100.0

V alid

Not interested 1 as low 2 - 3 moderate 4 - 5 high Total

Frequenc y 115 1 2 7 125

Percent 92.0 .8 1.6 5.6 100.0

V alid Percent 92.0 .8 1.6 5.6 100.0

Not interes ted 92.0%

The above graphs shows that the 92% of the respondents are not interested to tell about the returns on their investments. 5.6% of the respondents rank that there is a high risk on fixed deposits. 1.6% of the respondents rank that there is a moderate risk on fixed deposits. 0.8% of the respondents rank that there is a low risk on fixed deposits.

A Reliance Capital Company

Mutual Fund
4 - 5 high 7.2% 2 - 3 moderate 2.4%

Mutual Fund Cumulativ e Percent 90.4 92.8 100.0

Valid

Not interested 2 - 3 moderate 4 - 5 high Total

Frequenc y 113 3 9 125

Percent 90.4 2.4 7.2 100.0

Valid Percent 90.4 2.4 7.2 100.0

Not interes ted

The above graphs shows that the 90.4% of the respondents are not interested to tell about the returns on their investments. 7.2% of the respondents rank that there is a high risk on fixed deposits. 2.4% of the respondents rank that there is a moderate risk on fixed deposits.

90.4%

4. What degree of risk do you see on your investments

A Reliance Capital Company

Ins urance Cumulativ e Percent 40.8 75.2 97.6 100.0

V alid

Not interested 1 as low 2 - 3 moderate 4 - 5 high Total

Frequenc y 51 43 28 3 125

Percent 40.8 34.4 22.4 2.4 100.0

V alid Percent 40.8 34.4 22.4 2.4 100.0

Insurance 4. What degree of risk do you see on

your investments

The above graphs shows that the 40.8% of the respondents are not interested to tell about the returns on their investments. 2.4% of the respondents rank that there is a high risk on fixed deposits. 22.4% of the respondents rank that there is a moderate risk on fixed deposits. 34.4% of the respondents rank that there is a low risk on fixed deposits.

4 - 5 high 2.4% 2 - 3 moderate 22.4% Not interes ted 40.8%

1 as low 34.4%

A Reliance Capital Company

Risk
Risk 40.0%

Ris k Cumulativ e Percent 60.0 100.0

Valid

Not interested Risk Total

Frequenc y 75 50 125

Percent 60.0 40.0 100.0

Valid Percent 60.0 40.0 100.0

Not interested 60.0%

The above graphs shows that the 60% of the respondents are not interested in the above schemes. 40% of the respondents see high risk in the above for their investments.

6. What made you not to invest in the above schemes

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Not m uch know ledge about sche m e s Cumulativ e Percent 34.4 100.0

Valid

Not interested Not much know ledge required about sc hemes Total

Frequenc y 43 82 125

Percent 34.4 65.6 100.0

Valid Percent 34.4 65.6 100.0

6. What made you not to invest in the above schemes

Not much knowledge about schemes

The above graphs shows that the 34.4% of the respondents are not interested in the above schemes. 65.6% of the respondents dont have much knowledge about the schemes.
Not much know ledge r 65.6%

Not interested 34.4%

A Reliance Capital Company

Requirement of huge funds/margin money

Requirement of huge 14.4%

Require m e nt of huge funds /m argin m one y Cumulativ e Percent 85.6 100.0

Valid

Not interested Requirement of huge f und/margin money Total

Frequenc y 107 18 125

Percent 85.6 14.4 100.0

Valid Percent 85.6 14.4 100.0

Not interested 85.6%

The above graphs shows that the 85.6% of the respondents are not interested in the above schemes. 14.4% of the respondents tells that it requires a huge money to investment in the above schemes.

6. What made you not to invest in the above schemes

A Reliance Capital Company

Mark to market profit/losses

Mark to market profi 8.8%

Mark to m ar ke t profit/los s es Cumulativ e Percent 91.2 100.0

Valid

Not interested Mark to market prof it or los ses Total

Frequenc y 114 11 125

Percent 91.2 8.8 100.0

Valid Percent 91.2 8.8 100.0

The above graphs shows that the 91.2% of the respondents are not interested in the above schemes. 8.8% of the respondents that it is mark to the market profit/losses.

Not interested 91.2%

6. What made you not to invest in the above schemes

A Reliance Capital Company

all of the above

All of the above 18.4%

all of the above Cumulativ e Percent 81.6 100.0

Valid

Frequenc y Not interested 102 All of the above 23 Total 125

Percent 81.6 18.4 100.0

Valid Percent 81.6 18.4 100.0

Not interested

The above graphs shows that the 81.6% of the respondents are not interested in the above schemes. 18.4% of the respondents consider all factors.

81.6%

6. What made you not to invest in the above schemes

A Reliance Capital Company

FINDINGS

There is a cut throat competition market in the investing business and there is a huge potential. Various benefits like no brokerage cost, low offline and online charges on treading in reliance money. In the absurd contrast to the information and awareness of reliance money among the people is low. Reliance money can take up the initiative to create the awareness of its investments business. Reliance money network of advisors should be increased and their targeting tactics should be strengthen. Majority of reliance customer rate its service is not good. The employees target is set well in advance prior to the month in conjunction with the vision, mission and corporate strategy.

A Reliance Capital Company

FINDINGS
The review and analysis of employees will be sectionalized into
Under performers Strugglers Potential stars Fast tracker Solid performer.

It was found that most of the people in belgaum city prefer investing in fixed deposits and insurance rather than the stock/equity and mutual funds. This is because there is low risk in it and not investing in high risk schemes. By looking at the data analysis it can be noted that only 20% of people investing in mutual funds and 25% are in the stock/equity and that the potential market available for targeting is around 65%. It was observed that people perceive the word investment to be a more risk and a sort of gambling. It was found that people want safe, quick and high returns from their investments. It was also observed that the customer irrespective of the types of investments avenue firstly prefer the scheme to be transparent followed with security.

A Reliance Capital Company

RECOMMENDATIONS & SUGGESTIONS

Reliance money must target people only when that start earning but much before that. To gain the early bird advantage they must organize sessions in colleges giving presentations on investment in particular. Ensure high level training and development not just for staff but for agents and distribution organizations. Existing organization will have to train staff for better service and flexibility. Affordable charges must be launched for the age of 18-30 years drawing less than 5000 per month. This category will rise in the future and reliance money must concentrate on catching them younger so that the company can generate more income from the younger service lives of the younger potential. In order to educate the government as well as non-government employees seminars could be conducted in there organization and try to clear their doubts and misconceptions about the schemes of reliance money.

A Reliance Capital Company

RECOMMENDATIONS & SUGGESTIONS

More and more marketing strategies in order to attract and retain the customers should be developed like.

The fund advisors should guide the customers with all the facts and figures about the schemes before they go for investing in it. The fund advisor must attempt to understand the mindset of the customers and advice them accordingly. Problems and doubts of the customer should be cleared as and when they arise with the customer investments. As there is a lack of awareness in this semi urban belgaum city the attempts should be made to create the general awareness through he popular modes of communication that customers, like local T.V. Channel, Local Newspaper, hoardings and banners in the public crowded areas etc.

As the employees are interested in learning to grow with training programs like personality development, intense training sessions should be conducted regularly. Improve in the portfolio investment which gives more returns and less risk. Reliance money should send proper correspondence to their customers. Improper communication puts investors in dilemma as he does not know what happens to his money. Provide better and quality of service.

A Reliance Capital Company

SUMMARY & CONCLUSION

This project was very challenging task to achieve. It gave me the exposure to various strata of people. It has also helped me in knowing the financial and investment industry. A range of people posses different types of attitudes and thus behave accordingly. It will be very difficult to deal with people without knowing their behavior and is what I achieved in due course of this project by studying human behavior with specific to their most important type of decisions in finance, savings and investments. By this project I got the tremendous experience and knowledge, also helped me to develop my personality and also familiarized me with the talent need to deal with the customers both existing and potential not only in the investment industry but also in other business world.

A Reliance Capital Company

Thank You