A Project Report on Relationship Marketing in Capital Market

The Present business scenario is totally consumer oriented. Every company faces stiff
competition from its competitors, each provides the best product at competitive rates. As a result customers have lot of choices to get the best with the least cost. To face this competition, it is very important to know customer’s behavior, there needs, preference and also the motivation factors. My Project was on “Relationship Marketing of Financial Products” Dealing in the financial product with in varanasi. To know the Motivational & demotivational factors of the client so as to cater the needs in most appropriate manner.It will help business to expand its network & also its services.I had done my project under the guidance of My Guide Mr. Anurag srivastava whose guidance helps me in completing my Project Work Successfully.
Religare Securities Limited Provide its Expert service in Capital market Operations to
institutional Investors. Company is a Member of National Stock Exchange as well as Bombay Stock Exchange. Religare is slowly but steadily gaining market share and goodwill in the Market. Its strategies for marketing its services as well as developing a good Relationship Marketing with its client has given an edge over the other service providers. Religare is on expansion path and is looking forward to be in the top. Religare is a very flexible organization and its gives equal opportunity to its young and energetic staff to work so as to bring this organization among the top.
This project also throws lights on the working frame of broking service. This industry is on the spree to adopt the latest technology and thus any player has to be dynamic in this industry. The comparative analysis done in this project show how Religare has built competitive edge on some ground. The Project help you understand the strategies of this industry right from De-Mat toTrading, Margin to analysis and risk to return. I hope this project prove to be beneficial for the Company and also give the reader a through idea about the industry. I learnt a lot through out the process of undertaking this project report.To fulfill my task I had to visit the client personally who are dealing in share trading with this company or some other broking house.For this project I was assign the target of 10 accounts, for which I first generated the database and made appointment with them and convert them in as traders of Religare Securities Limited,for this I have to convince them and explain the concept and collect the Trading Form and a cheque of Rs. 500 only. After going through the exercise I found that RSL is one of the upcoming companies in the Marketing of financial Product, as the credibility of other companies are going down in the market and it is the right time for the RSL to built its reputation in the market The Main reason for RSL low market share is because of local brokers in the market which a charging very less Margin as initial investment for Trading in Stock Market. But No doubt it is having lots of scope to grow in the financial Market, and I wish it is having a shining future in the coming years.


Contents:

EXECUTIVE SUMMARY  
INTRODUCTION
INDUSTRY PROFILE
COMPANY PROFILE
ORGANISATION STRUCTURE

OBJECTIVES
METHODOLOGY
PRODUCT DETAILS
STOCK TRADING
DEPOSITARY SERVICE
MARGINAL FINANCING
MUTUAL FUND
COMMODITY TRADING
RELATIONSHIP MARKETING
SWOT ANALYSIS
DATA ANALYSIS & INTERPRETATION
FINDINGS
LIMITATION OF STUDY
CONCLUSION & RECOMMENDATION
ANNEXURE
BIBLIOGRAPHY

 

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A Project Report on Performance of Banking Sector

The banking Companies Regulation Act of India 1949, defines banking as “The accepting for the purpose of lending or investment of deposits of money from public, repayable on demand or otherwise, withdrawal by cheques, draft or otherwise”. According to HORACE WHITE “The bank is manufacturer or credit and a machine for facilitating exchange”.
A bank is a commercial or state institution that provides financial services, including issuing money in form of coins, banknotes or debit cards, receiving deposits of money, lending money and processing transactions. A commercial bank accepts deposits from customers and in turn makes loans based on those deposits. Some banks (called Banks of issue) issue banknotes as legal tender. Many banks offer ancillary financial services to make additional profit; for example: selling insurance products, investment products or stock brooking.
Banks have a long history, and have influenced economies and politics for centuries. In history, the primary purpose of a bank was to provide liquidity to trading companies. Banks advanced funds to allow businesses to purchase inventory, and collected those funds back with interest when the goods were sold. For centuries, the banking industry only dealt with businesses, not consumers. Commercial lending today is a very intense activity, with banks carefully analysing the financial condition of its business clients to determine the level of risk in each loan transaction. Banking services have expanded to include services directed at individuals and risk in these much smaller transactions are pooled.

 

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A Project Report on Mutual Fund as an Investment Avenue at NJ India Invest

A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. The money thus collected is invested by the fund manager in different types of securities depending upon the objective of the scheme. These could range from shares to debentures to money market instruments.

The income earned through these investments and the capital appreciations realized by the scheme are shared by its unit holders in proportion to the number of units owned by them (pro rata). Thus a Mutual Fund is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed portfolio at a relatively low cost. Anybody with an inventible surplus of as little as a few thousand rupees can invest in Mutual Funds.

Each Mutual Fund scheme has a defined investment objective and strategy A Mutual fund is the ideal investment vehicle for today’s complex and modern financial scenario. Markets for equity shares, bonds and other fixed income instruments, real estate, derivatives and other assets have become mature and information driven. Price changes in these assets are driven by global events occurring in faraway places. A typical individual is unlikely to have the knowledge, skills, inclination and time to keep track of events, understand their implications and act speedily.

An individual also finds it difficult to keep track of ownership of his assets, investments, brokerage dues and bank transactions etc.A draft offer document is to be prepared at the time of launching the fund. Typically, it pre specifies the investment objectives of the fund, the risk associated, the costs involved in the process and the broad rules for entry into and exit from the fund and other areas of operation. In India, as in most countries, these sponsors need approval from a regulator, SEBI (Securities exchange Board of India) in our case. SEBI looks at track records of the sponsor and its financial strength in granting approval to the fund for commencing operations.

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A Project Report on Mutual Fund Analysis Trends at Sharekhan LTD

Mutual fund industry has emerged as the most dynamic segment of the Indian financial system. Thanks to the rigorous policy initiatives of the government. Till 1987 the UTI was the only mutual fund. The industry has witnessed an unprecedented level of growth with the entry of mutual funds sponsored by nationalized banks and insurance companies. The objective of this project is to explain the data interpretation and Analysis of Mutual funds industry.

Description of the Project:

Take a comprehensive look at the overall performance of the MF industry in India:

The origin and development of Mutual Funds.

Regulatory Environment of Mutual Funds.

Mutual fund Industry – Its size and growth

Investment pattern of Mutual Funds, includes:

1. Comparison of Returns

2. Investor’s Behavior

3. Pattern of investments

Evaluation of performance of Mutual Funds includes:

1. Performance of Private sector Funds

2. Performance of Public sector Funds

3. Performance of UTI Funds

4. Problems the industry is facing and measures to overcome these problems

Contents:

• EXECUTIVE SUMMARY
• SYNOPSIS
• COMPANY PROFILE
• Introduction   
• Services provided by the SHAREKHAN
• Equities and Derivatives   
• Sharekhan equity analysis   
• MUTUAL FUND   
• Introduction   
• Organisation of a Mutual Fund
• Sponsor   
• Mutual Fund as Trusts
• Asset Management Company(AMC)
• History   
• MUTUAL FUNDS IN INDIA   
• First Phase - 1964-87   
• Second Phase - 1987-1993 (Entry of Public Sector Funds)   
• Third Phase - 1993-2003 (Entry of Private Sector Funds)   
• Fourth Phase - since February 2003   
• Advantages of Mutual Funds   
• Objectives   
• MORE ABOUT MUTUAL FUNDS
• What is the Regulatory Body for Mutual Funds?   
• What are the benefits of investing in Mutual Funds?
• What is NAV?   
• What is Entry/Exit Load?
• Are there any risks involved in investing in Mutual Funds?   
• TYPES OF MUTUAL FUNDS   
• Schemes By Structure   
• Schemes by investment Objective
• Other Objective   
• Schemes By Structure In Detail   
• Schemes according to Investment Objective In Detail   
• Other Schemes In Detail   
• TAX BENEFITS   
• To The Mutual Fund
• Tax Implications To Investors   
• RISK FACTORS   
• STATUTORY DETAILS
• DIFFERENT INVESTMENT PLANS THAT MUTUAL FUND OFFERS   
• Growth Plan and Dividend Plan   
• Dividend Reinvestment Plan   
• RIGHTS AVAILABLE TO A MUTUAL FUND HOLDER IN INDIA   
• FUND OFFER DOCUMENT   
• ACTIVE FUND MANAGEMENT   
• PASSIVE FUND MANAGEMENT   
• EXCHANGE TRADE FUND (ETF)
• Latest Development In ETF (TOI Aug 12, 2006)   
• SHARE KHAN MUTUAL FUNDS   
• Investment Philosophy   
• ASSOCIATION OF MUTUAL FUND IN INDIA (AMFI)   
• The AMFI Code Of Ethics   
• AMFI Mutual Fund   
• Professional Selling Practice
• Enforcement   
• Definitions   
• SECURITIES AND EXCHANGE BOARD OF INDIA (SEBI)(MUTUAL FUNDS) REGULATIONS, 1996   
• Procedure for Registering a Mutual Fund with SEBI   
• Terms & Conditions for Registration (Regulation: 10)   
• Constitution of the Mutual Fund (Regulation: 14)   
• Contents of trust deed (Regulation: 15)   
• SEBI Guidelines (2001-02) Relating to Mutual Funds
• Investing in Mutual Funds   
• INVESTOR’S BEHAVIOUR   
• STRUCTURE OF THE INDIAN MUTUAL FUND INDUSTRY   
• Some of the AMCs operating currently are   
• RECENT TRENDS IN THE INDIAN MUTUAL FUND INDUSTRY
• Causal Factors For The Trend   
• Growth of Business Of UTI   
• Mutual fund flows -- Private sector funds in focus   
• Shifting asset base   
• Big share in inflows   
• Healthy competition   
• Beating the broader indices
• Top performing funds   
• Sector funds, a mixed bag
• Focus on select sectors   
• The laggards   
• Sector funds lose steam   
• Mid-cap focus pays off   
• Tax-saving funds race ahead   
• Broader indices, tough to beat   
• Large-cap focus drags performance
• PROBLEMS   
• MEASURES TO OVERCOME THESE PROBLEMS  

  

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A project Report on Financial Analysis and EVA Analysis for BHEL

Established in the late 50's BHARAT HEAVY ELECTRICALS LIMITED (BHEL)  is a name which is recognized across the industrial world. It is one of the largest engineering and manufacturing enterprises in INDIA and is one of the leading international companies in the power field. BHEL offers a wide spectrum of products and services for core sectors like power transmission, industrial transportation, oil and gas, telecommunication etc. Besides supply of non-conventional energy systems. It has also embarked into other areas including defence and civil aviation. A dynamic 63000 strong team embodies the BHEL philosophy excellence through continuous striving for state of the art technology. With corporate headquarters in NEW DELHI, fourteen manufacturing units, a wide spread regional services network and projects sites all over India and even abroad, BHEL is India's industrial ambassador to the world with export presence in more than 50 countries.

BHEL's range of services extent from project feasibility studies to after sales services, successfully meeting diverse needs through turnkey capability.

BHEL has had a consistent track record of growth, performance and profitability. The World Bank in its report on the Indian Public Sectors, has described BHEL as “one of the most efficient enterprises in the industrial sector, at par with international standards of efficiency". BHEL has acquired ISO 9000 certificate for most of its operations and has taken up Total Quality Management (TQM). 

All the major units/divisions of BHEL have been upgraded to the latest ISO-9001: 2000 version quality standard certification for quality management. All the major units/divisions of BHEL have been awarded ISO-14001 certification for environmental management systems and OHSAS-18001 certification for occupational health and safety management systems.

BHEL occupies an all-important niche as evident by its ranking by CII amongst top eight PSUs based on financial performance. Recently in survey conducted by business India, BHEL has been rated as seventh Best Employer in India.

Contents:BHEL Profile
Introduction Of HEEP

• Historical Profile
• Key Competitors
• Major Milestone
• Total Quality Focus
• Policy And Strategy
• Excellence Initiative
• Customer Focus

Overview Of Finance Function
Financial Analysis And EVA An Introduction
Financial Analysis of HEEP.

• Liquidity Ratios
• Turnover Ratios
• Leverage Ratios
• Profitability Ratios
• Other Ratios

Limitation of Study.
SWOT Analysis
Conclusion And Suggestion 

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A Project Report on Corporate Financial Analysis in Airtel

The history of telecommunication industry started with the first public demonstration of Morse’s electric telegraph, Baltimore to Washington in 1844. In 1876 Alexander Graham Bell filed his patent application and the first telephone patent was issued to him on 7th of March. In 1913, telegraph was popular way of communication. AT&T commits to dispose its telegraph stocks and agreed to provide long distance connection to independence telephone system. In 1956, the final judgment limited the Bell System to Common Carrier Communications and Government projects but preserving the long-standing relationships between the manufacturing, researches and operating arms of the Bell System. In this judgment AT&T retained bell laboratories and Western Electric Company. This final judgment brought to a close the justice departments seven –year-old antitrust suit against AT&T and Western Electric which sought separation of the Bell Systems Manufacturing from its operating and research functions. AT&T was still controlling the telecommunication industry.

In 1982 , AT&T was requested to divestiture its stock ownership in Western Electric;termination of exclusive relationship between AT&T and Western Electric; divestiture by Western Electric of its fifty percent interest in Bell Telephone Laboratories, AT&T ‘s telecommunication research and development facility, is a jointly owned subsidiary in which AT&T and Western Electric each own 50% of the stock; separation of telephone manufacturing from provision of telephone service and the compulsory licensing of patents owned by AT&T on a non-discriminatory basis. It was telecommunication act of 1996 that true competition was allowed. The act of 1996 opened the market to all competitors. AT&T being the first telecommunication company paved the road for the telecommunication industry as well as set the policy and standards for others to follow. 

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A Project Report on Comprehensive Study of Retail Loans Under Taken at Bank of Punjab Ltd

Welcoming way in India only after independence. The banking system in India has come a long way during the last two centuries. Its growth was faster and the coverage wider since 1969. In 1969a major position of banking sector was entrusted to the public sector. This process continued and embraced few private banks in 1980.
The transfer of ownership of banks from the public to private was aimed at entrusting the banks with greater responsibilities for the economic development of India by taking banking services to the masses and taking special care of the weaker section of the society and the priority sector of the economy. Though the number of banks offices magnitude and the variety of their operations has grown considerably during the period of near about three decades, but it appears that the banking sector has entered into serious among customers.

For overcoming this problem, banking industry should seek introspection and adopt refined management techniques. It has been endeavor of this study to analyze the present state of various banks keeping in view the primary data has been collected regarding the present state of loan schemes in various banks by using a questionnaire.

CONTENTS

• Certificate
• Acknowledgement
• Preface
• Declaration
• Introduction of Bank
• Bank of Profile
• Project overview
• Objective of Study
• Research of methodology
• Analysis & interpretation
• Limitations
• Suggestions
• Conclusion
• Bibliography
• Annexure (Application Forms)  

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A Project Report on Comparative Study of Home Loan and Personal Loan of ICICI Bank with SBI other banks

Home is a dream of a person that shows the quantity of efforts, sacrifices luxuries and above all gathering funds little by little to afford one’s dream. Home is one of the things that everyone one wants to own. Home is a shelter to person where he rests and feels comfortable. Many banks providing home loans whether commercial banks or financial institutions to the people who want to had a home. The housing sector plays an important role in the economic development of the country.

My project title is “COMPARATIVE STUDY OF HOME LOAN AND PERSONAL LOAN OF ICICI BANK WITH SBI & OTHER BANKS”.
. I selected this topic because The Indian housing finance industry & personal loan has grown by leaps and bound in few years. Total home loans disbursements by banks have raised which witness’s phenomenal growth from last 5 years. There is greater number of borrowers of home & personal loans. So by this study we can find out satisfaction level of customers and problems faced by them in obtaining home loans & personal loans.

My objectives of study are-
• To make comparative study of Disbursement of home loans & personal loans by commercial banks.
• To study the satisfaction level of customers about home loans & personal loans.
• To study the problems faced by customers in obtaining the home loans & personal loans.

In the research methodology I had taken primary data. In the primary data I had make a questionnaire to check the satisfaction level of customers about home loans & personal loans.

For the first objective I had collected the information about the number of account holders of specified banks, no of disbursement of home loans and recovery of these loans.

Contents:Introduction to the Industry
Introduction to the Organization
Research Methodology
Title of the Study
Duration of the Project
Objective of Study
Type of Research
Sample Size and method of selecting sample
Scope of Study
Limitation of Study
Facts and Findings
Analysis and Interpretation
SWOT
Conclusion
Recommendation and Suggestions
Appendix – Questionnaire
Bibliography

 

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A Project on Ratio Analysis at BHEL

BHEL has established in the late 50's BHARAT HEAVY ELECTRICALS LIMITED (BHEL)  is a name which is recognized across the industrial world. It is one of the largest engineering and manufacturing enterprises in INDIA and is one of the leading international companies in the power field. BHEL offers a wide spectrum of products and services for core sectors like power transmission, industrial transportation, oil and gas, telecommunication etc. Besides supply of non-conventional energy systems. It has also embarked into other areas including defense and civil aviation. A dynamic 63000 strong team embodies the BHEL philosophy excellence through continuous striving for state of the art technology. With corporate headquarters in NEW DELHI, fourteen manufacturing units, a wide spread regional services network and projects sites all over India and even abroad, BHEL is India's industrial ambassador to the world with export presence in more than 50 countries.
B.H.E.L.'s range of services extent from project feasibility studies to after sales services, successfully meeting diverse needs through turnkey capability.
 
BHEL has had a consistent track record of growth, performance and profitability. The World Bank in its report on the Indian Public Sectors, has described BHEL as “one of the most efficient enterprises in the industrial sector, at par with international standards of efficiency". BHEL has acquired ISO 9000 certificate for most of its operations and has taken up Total Quality Management (TQM). 
certification for environmental management systems and OHSAS-18001 certification for occupational health and safety management systems.

Contents:

Objective of study

BHEL AN OVERVIEW

INTRODUCTION OF RATIO ANALYSIS
MEANING
NATURE
ROLE OF RATIO ANALYSIS
USERS OF RATIO ANALYSIS
FINANCIAL RATIOS AND USERS
MAJOR FINANCIAL RATIOS
LIQUIDITY RATIO
LEVERAGE RATIO
TURNOVER RATIO
PROFITABILITY RATIO

 

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A Project Report on Financial Markets and the IPO

The Financial Market is an amorphous set of players who come together to trade in financial assets. Financial Markets in any economic system that acts as a conduit between the organizations who need funds and the investors who wish to invest their money into profitable opportunity. Thus, it helps institutions and organizations that need money to have an access to it and on the other hand, it helps the public in general to earn savings.
 
Thus they perform the crucial function of bringing together the entries who are either financially scarce or who are financially slush. This helps generally in a smoother economic functioning in the sense that economic resources go to the actual productive purposes. In modern economic systems stock exchanges are the epicenter of the financial activities in any economy as this is the place where actual trading in securities takes place.
 
Modern day Stock Exchanges are most of the centers to trade in the existing financial assets. In this respect, they have come a long way in the sense that these days, they act as a platform to launch new securities as well as act as most authentic and real time indicator of the general economic sentiment.
The zone of activities in the capital market is dependent partly on the savings and investment in the economy and partly on the performance of the industry and economy in general. In other words capital market constitutes the channel through which the capital resources generated in the society and made available for economic development of the nation.

CONTENTS

Introduction
Primary Market-Genesis and Growth
What Is an IPO?
Why Go Public?
Advantages and Disadvantages of IPO
Risk Factor
Analyzing an IPO Investment
Investor Research:
IPO Investment Strategies
Principal Steps in an IPO
Cost of a Public Issue
Pricing of an Issue
Under pricing and Overpricing Of IPOs
Book Building Process of Price Discovery
Case Study

 

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A Dissertation on Mutual Fund and investors Behaviour

Mutual fund is a pool of money collected from investors and is invested according to certain investment options. A mutual fund is a trust that pools the saving of a no. of investors who share a common financial goal. A mutual fund is created when investors put their money together. It is, therefore, a pool of investor’s fund. The money thus collected is then invested in capital market instruments such as shares, debentures and other securities. The income earned through these investments and the capital appreciations realized are shared by its unit holders in proportion to the no. of units owned by them.
 
The most important characteristics of a fund are that the contributors and the beneficiaries of the fund are the same class of people namely the investors. The term mutual fund means the investors contribute to the pool and also benefit from the pool. The pool of funds held mutually by investors is the mutual fund.

Table of contents
Chapter1. Introduction

• Introduction of Mutual Fund
• Objective of Study
• Scope
• Methodology
• Limitations

Chapter2. Mutual Fund Industry

• History of Mutual Fund
• Regulatory Framework
• Legal Structure
• Classification
• Types

Chapter3. Performance Measures

• Investment Plans
• Different features of various funds
• Net Asset Value
• Performance measures of Mutual Funds

Chapter4. Investor’s point of view

• Stages of Life Cycle
• Classification of Life cycle

Chapter5. Analysis

• Analysis of Questionnaire
• Suggestions
• Conclusion

Appendices
Annexure

 

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A Study on Budgetory Control of SHIMUL

Shimoga Milk Union Limited” is a cooperative sector undertaking, engaged in the processing of Milk & manufacturing the Milk products, it recently launched three new variants of Nandini Milk. The Shimoga milk union is located in the central part of Karnataka. The corporate office of the union is based at Machenalli, covering three districts of Shimoga, Davangere and Chitradurga.

The Budgetary Control is playing a vital role in the organization. The role of Budgetary Control is the essence of a business. The information is the blood and Budgetary Control is the heart. In the body the hart plays the role of supplying pure blood to all the elements of the body including the brain. The Budgetary Control plays exactly the same role in the organization. The system ensures that an appropriate data is collected from the various sources, processed and sent further to all the needy destinations.

Table of Contents:

Executive  Summary

Chapter – 1: INTRODUCTION
1.1 Statement of the Problem - 01
1.2 Objective of Study - 01
1.3 Scope of the Study - 02
1.4 Methodology - 02
1.5 Limitations of Study - 04

Chapter – 2: REVIEW OF LITERATURE - 05 - 28

Chapter – 3: INDUSTRY AND COMPANY  PROFILE - 29 - 50
Industry  Profile - 29 - 36
Company Profile - 37-40
Organization  Structure - 41
Achievements - 44-49
SWOT  Analysis - 50

Chapter – 4: DATA COLLECTION AND INTERPRETATION: 51 - 64

Chapter – 5: SUMMARY OF FINDINGS, SUGGESTIONS AND CONCLUSION - 65 – 67

BIBLIOGRAPHY - 68

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Project on Comparitive Study of Mutual Funds in India

The main purpose of doing this project was to know about mutual fund and its functioning. This helps to know in details about mutual fund industry right from its inception stage, growth and future prospects.
It also helps in understanding different schemes of mutual funds. Because my study depends upon prominent funds in India and their schemes like equity, income, balance as well as the returns associated with those schemes.
The project study was done to ascertain the asset allocation, entry load, exit load, associated with the mutual funds. Ultimately this would help in understanding the benefits of mutual funds to investors. 

Table of Contents

INTRODUCTION OF MUTUAL FUND - 1 - 24
WORKING OF MUTUAL FUND - 25 - 32
MUTUAL FUND IN INDIA - 33 - 36
RELIANCE MUTUAL FUND vs. UTI MUTUAL FUND - 37 - 59
MUTUAL FUND vs. OTHER INVESTMENT - 60 - 66
FUTURE PROSPECT OF MUTUAL FUNDS IN INDIA - 67
MUTUAL FUNDS JARGON - 68
CONCLUSION - 69
BIBLIOGRAPHY - 70

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