A Dissertation on Retail Outlet Preference of Customers at Monday to Sunday Store

The Indian retailing industry was traditionally dominated by small kirana stores. However with globalization, organized retailing has become the buzz word in India. Though organized retailing occupies a minuscule share of the retail industry, it is characterized by intense competition and multi channel delivery systems.

The research that forms the basis of this dissertation was carried out at Monday to Sunday, a hypermarket based in Bangalore. The core business of Monday to Sunday is retailing.

The main objective of this project is to understand the retail outlet preference of at Monday to Sunday store. It also helps to understand the reasons why customers visit a particular store. The research also involves analyzing the data to determine the most preferred store among customers and the significance of each stores, reason as in why customers prefer a particular store. It also helps to improve services and products in line with that of competitors.

The research sought to make a comparative analysis of different retail stores in Bangalore, and made appropriate recommendations for an effective brand preference by customers.

The areas where Monday to Sunday has an edge over its competitors have been identified based on the analysis done on the responses to the questionnaire.

Appropriate recommendations have been made to help Monday to Sunday improve further in various areas.

 

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A Project report on Just In Time

This report provides an analysis and evaluation of the Just-In-Time system, the advantages and disadvantages of the system and how it would benefit AG & Z. The Just-In-Time (JIT) system is a process where goods are ordered as required, as opposed to the currently used batch processing system where goods are made in bulk and stored in warehouses until sold.  

The Just-In-Time system was initially developed to not only cut down the amount of waste produced by other systems, which was seen as incurring unnecessary costs rather than adding value to the company, but to also meet customer demands with minimum delays.   It has been found that when implemented correctly the JIT system can benefit the company in numerous ways.

For example, it has been shown to reduce the amount of inventory stored in warehouses as goods are sold direct to the customer as ordered.   It has also been shown to speed up production lead times, eliminate and/or minimise the amount of quality control and reduce the amount of faulty stock returned.   As well as benefiting companies in reducing transportation costs, as goods are sent from the factory to the customer rather then via a warehouse first.   Another advantage is, the JIT system allows the company to keep up to date with customer demands and new technologies as the goods are made to order so the newest technology available is used.  

This is extremely important when dealing with goods that have a high turn over such as computers, because the goods would be produced as needed. It has also been proven to eliminate waste on any goods manufactured which have become obsolete due to technological advances.   While there are some disadvantages to the JIT system, such as stock outs and possible communication break downs, (explained in detail in the report), the advantages far out weight the disadvantages.

Contents:

• INTRODUCTION
• JUST IN TIME SYSTEM
• JUST IN TIME PRACTICES
• GENERAL MOTORS
• KEY ELEMENTS OF JIT
• 5 STEPS IN THE INTRODUCTORY
• JIT IMPLEMENTATION
• WHAT’S YOUR EXCUSE FOR NOT
• TOYOTA PRODUCTION SYSTEM
• CONCLUSION
• BIBLIOGRAPHY
•  

 

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Synopsis of Project Report on Working Capital Management

Working capital is the capital required for maintenance of day-to-day business operations. The present day competitive market environment calls for an efficient management of working capital. The reason for this is attributed to the fact that an ineffective working capital management may force the firm to stop its business operations, may even lead to bankruptcy.

Hence the goal of working capital management is not just concerned with the management of current assets & current liabilities but also in maintaining a satisfactory level of working capital.

Holding of current assets in substantial amount strengthens the liquidity position & reduces the riskiness but only at the expense of profitability. Therefore achieving risk-return trade off is significant in holding of current assets. While cash outflows are predictable it runs contrary in case of cash inflows. Sales program of any business concern does not bring back cash immediately. There is a time lag that exists between sale of goods & sales realization. The capital requirement during this time lag is maintained by working capital in the form of current assets. The whole process of this conversion is explained by the operating cycle concept.

This study gives in detail the working capital management practices in BHEL. Management of each current assets, namely inventory management, cash management, accounts receivable management is studied permanent to BHEL. Similarly management of accounts payable is studied to understand the managing of current liabilities. A part from this concept of operating cycle is studied.
The research methodology adopted for this study is mainly from secondary sources of data which include annual reports of BHEL, & website of the company. The use of primary sources is limited to interviews with few of the employees in finance department.

The study of working capital management has shown that BHEL has a strong working capital position. The company is also enjoying reasonable profits. BHEL has corporate tie up with maximum leading Banks in India for providing short and medium term finance to the company. For financial requirement of projects outside India, BHEL has arranged forex funds. BHEL sales position is also very good. Its excellent performance is attributed to reduced cost of product The overall position of BHEL is good & the same is expected by continuum of existing management policies, checking exchange rate risk, competing with domestic and global players in terms of quality & quantity.

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Analysis of Mutual Funds and Role of Asset Management Company at Kotak Mahindra Asset Management Company LTD

The Project was carried out for study and analysing the investment in mutual funds to special reference of KOTAK ASSET MANAGEMENT COMPANY. It was done to know the satisfaction level of the customer of the bank.
In this Project report I have made an analysis that what is the Investment Pattern, What is theProspect and How Mutual funds have emerged a better Investment option in India Recent Yearsgiving the Investor Higher returns, Liquidity, Safety against Traditional Investment avenues likeBank-FD, Post office Saving, Investment in Volatile Stock Market Etc.

With the Growth of The Indian economy Due to various economic Factors Including Industrialization, Growth of Infrastructure and service industries, increased Foreign direct investment and foreign Institutional Investment, the Indian Companies have grown to become Global business Giant.
So, the Market Capitalization of the Indian companies has grown which has resulting in a building of a strong capital market. People are also now more willing to invest and are ready totake risk. All this Development has proved to be a good atmosphere for mutual fund investment in India.
Now a day’s Investment is saving has assumed great importance. Mutual fund offers a Wide array of Schemes to suit the Customers Different Investment Objective as per their Financial Position, Risk Taking Capabilities, Age Etc.

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A Study on the Performance of Mutual Fund Schemes in the Frame Work of Risk and Return

Financial market’s main function is to facilitate transfer of funds from surplus sectors to deficit sectors. A financial market consists of investor or buyers, sellers, dealers and does not refer to physical location. Indian financial system consists of two markets, viz. money and capital market. The core of money market is the inter-bank call money market. It has two components - organised and unorganised.

Capital market provides the framework in which savings and investments take place. On one hand it enables companies to raise resources from the investing community and on the other, it facilitate households to invest their savings in industrial or commercial activities. The capital market consists of primary and secondary segments.

In primary market it deals with the issue of new instruments by the corporate sector such as equity shares, preference shares, and debentures. The secondary market or stock exchanges where existing Securities are traded. Capital market plays a major role in Indian financial system.
So, Equities & mutual fund is the part of capital market.

Mutual fund industry in India began with setting up of Unit Trust of India (UTI) in 1964 by the government of India. Now a day mutual fund is playing very important role in the industry. Investors will get the benefit of return, capital appreciation, tax benefits and safety to there investment and companies will get the capital for there growth.  Recently they have also started Systematic Investment Plan(SIP) with the help of this even small investors (minimum of Rs. 100)can start investing, by this even students can also invest in this fund. So, we came to know how this mutual fund works.

The saving of an individual are spread through different means of investment one of them is mutual fund which is a growing investment now a days because of diversified risk and lack of time to look after their money.


CONTENTS
EXECUTIVE SUMMARY
INTRODUCTION
Part A: About the Industry
Part B: About the Subject
RESEARCH DESIGN
Statement of the Problem
Objective of the Study
Sample design
Need for study
Scope of study
Research design
Operational definition of the concepts
Tools and techniques for data collection
Limitations of the Study
Overview of Chapter scheme
COMPANY PROFILE
Introduction
Objectives, vision, culture and  values
Strategy
Product profile
Competitors
DATA ANALDDATA ANALYSIS AND INTERPRETATION
SUMMARY OF FINDINGS, CONCLUSIONS, SUGGESTIONS AND RECOMMENDATIONS

BIBLIOGRAPHY

 

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A Study on Recruitment of Advisors and Sales of Financial Products Through Them and Collection of Desirable Premium

The liberalization of the Indian insurance sector has been the subject of much heated debate for some years. The policy makers where in the catch 22 situation wherein for one they wanted competition, development and growth of this insurance sector which is extremely essential for channeling the investments in to the infrastructure sector. At the other end the policy makers had the fears that the insurance premia, which are substantial, would seep out of the country; and wanted to have a cautious approach of opening for foreign participation in the sector.
As one of the rare occurrences the entire debate was put on the back burner and the IRDA saw the day of the light thanks to the maturing polity emerging consensus among factions of different political parties. Though some changes and some restrictive clauses as regards to the foreign participation were included the IRDA has opened the doors for the private entry into insurance.
Whether the insurer is old or new, private or public, expanding the market will present multitude of challenges and opportunities. But the key issues, possible trends, opportunities and challenges that insurance sector will have still remains under the realms of the possibilities and speculation. What is the likely impact of opening up India’s insurance sector?
The large scale of operations, public sector bureaucracies and cumbersome procedures hampers nationalized insurers. Therefore, potential private entrants expect to score in the areas of customer service, speed and flexibility. They point out that their entry will mean better products and choice for the consumer. The critics counter that the benefit will be slim, because new players will concentrate on affluent, urban customers as foreign banks did until recently. This seems to be a logical strategy. Start-up costs-such as those of setting up a conventional distribution network-are large and high-end niches offer better returns. However, the middle-market segment too has great potential. Since insurance is a volumes game. Therefore, private insurers would be best served by a middle-market approach, targeting customer segments that are currently untapped.

Contents:
EXECUTIVE SUMMARY
INTRODUCTION TO THE INDUSTRY
INTRODUCTION TO THE COMPANY
RECRUITMENT OF ADVISORS
SALES AND DISCRIPTION OF THE FINANCIAL PRODUCT
RECOMMENDATIONS
CHALLENGES IN LIFE INSURANCE SECTOR
BIBLIOGRAPHY

 

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A Study on Performance Evaluation of ICICI and SBI Using Fundamental and Technical Analysis

With the economy surging, things are getting better in the Banking Industry. There are plenty of changes occurs daily.
According to Reserve bank of India’s banking review of 2004 – 2005 there was a notable pick up in demand from industry for investments and a surge in exports. Evidently, the industry’s focus now is on scaling up both domestically and in markets abroad, widening the product and services port folio, and better using technology to make banking more accessible and efficient.
Most of researcher’s conclusion is, Whether or not the sectors actually opens up in 2009, banks should use that as an opportunity to get their growth strategies in place. Not Just through organic growth, but growth through mergers and acquisition.

What India need is not a large number of small banks, but a small number of large banks.
As the RBI’s deputy Governor, V.Leeladhar, said at Indian Banking Associations Jan 31 Seminar on “Indian Banks and the Global change” there is growing realization that the ability to cope with possible downside risks would depend among others on the soundness of the financial system and the strength of Individual participation”.India is still cagey about foreign investments in banks. Though a dramatic changes sweeping through the industry for some years now in the rise of India’s Public sector bank and private sector still it should fuel its grow to open up eyes towards open market.In this scenario, While we look at the sensex breach the 10,000 level for the first time it was yet another sign the India as a market for global liquidity had arrived. When,  We start co-relating the Gross Domestic product (GDP) growth of emerging markets are supposed to reflect the health of the economy where India emerges as a key player, India is arguably the best placed amongst the entire emerging market lot.
Form the Investors point of view earning growth, price-earning multiplies and of course the performance of the economy matters.

Contents:
Introduction
Company Profile
Product Profile
The Industry Growth
Background
Management
Shareholding & Liquidity
Key area of Operation
Strategy & New Developments
ICICI Profile
Chapter – 2
Scope of the study
Objective of the study
Period of the study
Limitation of the study
Methodology
Fundamental analysis
Economical  analysis
Industrial analysis
Banking Industrial analysis
Monitory Policy
CRR
Liquidity  Management
Indian Financial Sector SWOT analysis
Budget 2007 -2008 overview
Secure Banking
Key Ratio
Interpretation (SBI)
Interpretation (ICICI)
Chapter – 3
Technical analysis
ICICI Bank Outlook
SBIN Outlook
Finding
Suggestion

 

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A Study on Mutual Fund Companies in India with Special Reference to Reliance Mutual Fund and UTI Mutual Fund

A mutual fund is a scheme in which several people invest their money for a common financial cause. The collected money invests in the capital market and the money, which they earned, is divided based on the number of units, which they hold.
The mutual fund industry started in India in a small way with the UTI Act creating what was effectively a small savings division within the RBI. Over a period of 25 years this grew fairly successfully and gave investors a good return, and therefore in 1989, as the next logical step, public sector banks and financial institutions were allowed to float mutual funds and their success emboldened the government to allow the private sector to foray into this area.
The advantages of mutual fund are professional management, diversification, economies of scale, simplicity, and liquidity.
The disadvantages of mutual fund are high costs, over-diversification, possible tax consequences, and the inability of management to guarantee a superior return.
The biggest problems with mutual funds are their costs and fees it include Purchase fee, Redemption fee, Exchange fee, Management fee, Account fee & Transaction Costs. There are some loads which add to the cost of mutual fund. Load is a type of commission depending on the type of funds.
Mutual funds are easy to buy and sell. You can either buy them directly from the fund company or through a third party. Before investing in any funds one should consider some factor like objective, risk, Fund Manager’s and scheme track record, Cost factor etc.

There are many, many types of mutual funds. You can classify funds based Structure (open-ended & close-ended), Nature (equity, debt, balanced), Investment objective (growth, income, money market) etc.
A code of conduct and registration structure for mutual fund intermediaries, which were subsequently mandated by SEBI. In addition, this year AMFI was involved in a number of developments and enhancements to the regulatory framework.
The most important trend in the mutual fund industry is the aggressive expansion of the foreign owned mutual fund companies and the decline of the companies floated by nationalized banks and smaller private sector players.
Reliance Mutual Fund, UTI Mutual Fund, ICICI Prudential Mutual Fund, HDFC Mutual Fund and Birla Sun Life Mutual Fund are the top five mutual fund company in India.
Reliance mutual funding is considered to be most reliable mutual funds in India. People want to invest in this institution because they know that this institution will never dissatisfy them at any cost. You should always keep this into your mind that if particular mutual funding scheme is on larger scale then next time, you might not get the same results so being a careful investor you should take your major step diligently otherwise you will be unable to obtain the high returns.

Contents:
COMPANY PROFILE
INTRODUCTION OF MUTUAL FUND
WORKING OF MUTUAL FUND
MUTUAL FUND IN INDIA
RELIANCE MUTUAL FUND vs. UTI MUTUAL FUND
MUTUAL FUND vs. OTHER INVESTMENT
FUTURE PROSPECT OF MUTUAL FUNDS IN INDIA
MUTUAL FUND JARGON
RESEARCH METHODOLOGY
FINDINGS AND SUGGESTION
CONCLUSION
QUESTIONNAIRE
BIBLIOGRAPHY

 

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A Study on Effectiveness of Employee Involvement and Work Environment in Hero Honda

“Hero” is the brand name used by the Munjal brothers in the year 1956 with the flagship company Hero Cycles. India's Hero Group and Japan’s Honda Motor Company merged in 19th Jan 1984. Japan has not only created the world's single largest two wheeler company but also one of the most successful joint ventures worldwide.
During the 80s, Hero Honda became the first company in India to prove that it was possible to drive a vehicle without polluting the roads. The company introduced new generation motorcycles that set industry benchmarks for fuel thrift and low emission. A legendary 'Fill it - Shut it - Forget it' campaign captured the imagination of commuters across India, and Hero Honda sold millions of bikes purely on the commitment of increased mileage. Over 19 million Hero Honda two wheelers tread Indian roads today. These are almost as many as the number of people in Finland, Ireland and Sweden put together.

Hero Honda has consistently grown at double digits since inception; and today, every second motorcycle sold in the country is a Hero Honda. Every 30 seconds, someone in India buys Hero Honda's top -selling motorcycle - Splendor. This festive season, the company sold half a million two wheelers in a single month-a feat unparalleled in global automotive history.

Chapter I – The Company
1.1 Company Profile
Chapter II – The Project
2.1 Purpose & Scope of study
2.2 Methodology
Chapter III – Collection & Analysis of Data
3.1 Data Collection
3.2 Data Analysis
Chapter IV – Findings & Recommendations
4.1 Calculations & Observations
4.2 Conclusion
4.3 Constraints / Limitations
4.4 Recommendations
4.5 Suggestions
Chapter V - Annexure
Chapter VI - Bibliography

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A Study of Consumer Awareness, Perception and Practice Regarding Mutual Fund Investment

Individual saving means spending less on consumption than available from one's disposable income.  What an individual saves can be held in many ways.  It can be deposited in a bank, put into a pension fund, used to buy a business, pay down debt, or kept under the mattress, for example.  The common element is the claim on assets that can be used to pay for future consumption.  If there is a return on the saving in the form of interest, dividend, rent, or capital gain, there can be a net gain in individual saving, and thus in individual wealth. In current scenario, the inflation rate is quite high and the interest rates are quite low so people don’t get satisfactory returns on their investments. While opting for traditional tax saving instruments like PPF and Fix Deposits the investor will get a return of 7% to 8% and sacrifice superior returns given by stocks. So study concentrate on Equity linked Saving Schemes offered by Mutual Funds.

A mutual fund’s business is to invest the funds thus collected, according to the wishes of the investors who created the pool. In many markets these wishes are articulated as “Investment mandates”. Usually, the investors appoint professional investment managers, to manage their funds. The same objective is achieved when professional investment managers create a “product”, and offer it for the investment to the investor. This product represents a share in the pool, and pre-states investment objectives. For Example, a mutual fund, which sells a “money market mutual fund,” is actually seeking investors willing to invest in a pool that invest predominately in money market

This healthy growth of saving has been boosted by the household sector which has contributed a substantially high percentage to total domestic savings. Traditionally, GIC, banks, LIC, and PFs have been intermediaries to mobilise domestic savings to the productive sectors of the economy. With the growth of capital markets and the emergence of alternative savings instruments, investors are tend to move towards liquid short term instruments as the units of the mutual funds along with corporate equities and debentures

Mutual funds have been the latest growing institution during this period in the household savings sector. Growing market complications and investment risk in the stock market with high inflation have pushed households further towards mutual funds.

CONTENTS:

• ACKNOWLEDGEMENT
• EXECUTIVE SUMMARY
• INTRODUCTION TO MUTUAL FUND
• Structure consists of Sponsor
• Asset Management Company (AMC)           
• RISK-RETURN TRADE-OFF
• Return
• Risk                                   
• BENEFIT OF MUTUAL FUND INVESTMENT
• Recent trends in mutual fund industry
• Structure of the Indian mutual fund industry       
• Mutual Fund Companies in India
• Major Mutual Fund Companies in India
• ASSOCIATION OF MUTUAL FUND IN INDIA (AMFI)
• The objectives of AMFI
• Net Asset Value (NAV)
• TYPES OF MUTUAL FUNDS SCHEMES
• Open-end Funds
• Closed-ended Funds
• INVESTMENT OBJECTIVE
• Equity Oriented Schemes
• Debt Based Schemes
• Hybrid Schemes
• Special Schemes
• Tax Saving schemes
• Liquid Income Schemes
• Money Market Schemes
• SNAPSHOT OF MUTUAL FUND SCHEMES
• THE OFFER DOCUMENT
• What is an Offer Document?
• Contents                               
• Regulation and Investors' Rights
• SEBI Guidelines                           
• Where to Obtain the Updated Offer Documents?
• Investor’s rights & Obligations
• Rights - Legal Limitations                   
• Obligations
• CHOOSING A FUND
• Benchmark returns
• Time period
• Market conditions
• Final checklist
• Compare funds that are similar
• HISTORY OF INDIAN MUTUAL FUNDS INDUSTRY
• 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
• BROKERAGE
• Asset Management Business:
• Broking
• Mutual Fund
• Trends
• Nothing Speaks like Money
• Larger than Life
• When do you take a
• this a Sales Call?
• Fund Manager
• Research
• Marketing
• Sales
• Dealing
• Operations
• Technology
• SBI MUTUAL FUNDS
• Introduction
• Company Profile
• Product Profile
• Equity Schemes
• DEBT Schemes
• BALANCED SCHEMES
• SBIMF WAS FOUNDED WITH A VISION   
• Vision
• METHODOLOGY
• Research  Methodology
• SOURCE OF DATA COLLECTION
• Primary data
• Secondary data
• DATA ANALYSIS & INTERPRETATION    
• Interpretation           
• People who invest in mutual fund
• People who do not invest in mutual fund      
• LIMITATION
• RECOMMENDATION
• CONCLUSIONS
• QUESTIONNIRE SURVEY 

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A Study of Awareness and Purchasing Behavior of Customers for Kajaria Ceramics LTD Among the Kolkata Customers

History of ceramic tiles:- Rumors have it that the first clay tiles were produced seven to eight thousand years ago in the area now known as the Holy Land. Many sources independently verify that the actual known history of Tiles (and the known usage of wall and floor tile coverings) can be traced back as far as the fourth Millennium BC (4000 BC) to Egypt. In the early days, the tiles were hand-made, each tile was hand-formed and hand painted, thus each was a work of art in its own right. Ceramic tile was used almost everywhere on walls, floors, ceilings, fireplaces, in murals, and as an exterior cladding on buildings. Today Ceramic tile throughout the world is not hand-made or hand-painted for the most part. Automated manufacturing techniques are used and the human hand does not enter into the picture until it is time to install the tile. They are used in an almost infinite number of ways and you don’t have to consider yourself wealthy to own them. In commercial buildings, where both beauty and durability are considerations, ceramic tiles will be found, particularly in lobby areas and restrooms. In fact most modern houses throughout use Ceramic tiles for their bathrooms and kitchens and in every vital area of the premise. Ceramic tiles are also the choice of industry, where walls and floors must resist chemicals. And the Space Shuttle never leaves without its protective jacket of high tech, heat resistant tile.

Overall picture of the industry:- Ceramic tiles as a product segment have grown to a sizeable chunk today at 340 Millions Square meters production per annum. However, the potential seems to be great, particularly as the housing sector, retail, IT & BPO sectors have been witnessing an unprecedented boom in recent times. The ceramic tiles sector has been clocking a robust growth of 12-15% consistently over the last few years. Today, India figures in the top 5 countries in the world manufacturing ceramic tiles. The key drivers for the ceramic tiles in India are the boom in housing sector coupled by government policies fuelling strong growth in housing sector. The retail boom in the Indian economy has also influenced the demand for higher end products. Overall the bullish growth estimates in the Indian economy has significantly influenced the growth of the Indian Ceramic tile industry. The main product segments are the Wall tile, Floor tile, Vitrified tile and Porcelain tile segments. The market shares are 35%, 53% and 12% respectively for Wall, Floor & Vitrified/Porcelain tiles. The tiles are available in a wide variety of designs, textures and surface effects. They cater to tastes as varied from rustics to contemporary marble designs in super glossy mirror finishes.

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A Research Project Report on Intra Company Analysis of ICICI Bank

ICICI Bank is a leading Indian private sector commercial bank offering a variety of products and services. It was incorporated in India in 1994. In 2002, ICICI, a non-bank financial institution, and two of its subsidiaries, ICICI Personal Financial Services and ICICI Capital Services, were amalgamated with ICICI Bank. As of March 31, 2007 ICICI Bank is the largest private sector bank in India and the second largest bank in India, in terms of assets. May 10, 2007, ICICI Bank has the largest market capitalization among all banks in India.
ICICI Banks commercial banking operations span the corporate and the retail sector. It offers a suite of products and services for both its corporate and retail customers. ICICI Bank offers a range of retail credit and deposit products and services to retail customers. The implementation of its retail strategy and the growth in the commercial banking operations for retail customers has had a significant impact on its business and operations in recent years. At year-end fiscal 2007, retail finance represented 63.8% of its total loans and advances compared to 62.9% at year-end fiscal 2006 and 60.9% at year-end fiscal 2005. ICICI Bank has approximately 24.0 million retail customer accounts. Its corporate customers include India’s leading companies as well as growth-oriented small and middle market businesses, and the products and services offered to them include loan and deposit products and fee and commission-based products and services.
At year-end fiscal 2007 its principal network consisted of 710 branches, 45 extension counters and 3,271 automated teller machines, or ATMs, across several Indian states. Pursuant to the amalgamation of Sangli Bank with ICICI Bank, its network of branches and extension counters increased by 198. ICICI Bank offers its customers a choice of delivery channels, and they use technology to differentiate there products and services from those of its competitors. ICICI Bank remains focused on changes in customer needs and technological advances to remain at the forefront of electronic banking in India, and seek to deliver high quality and effective services.

Content:

ACKNOWLEDGEMENT
PREFACE
DECLARATION
EXECUTIVE SUMMARY
HISTORY OF ICICI BANK
TIME LINE HISTORY OF ICICI BANK
RESEARCH METHODOLOGY
FINANCIAL ASPECTS OF ICICI BANK
Profit & loss Account
Balance Sheet
Capital Structure
Quarterly Result
Half Yearly Result
Annually Result 
RATIO ANALYSIS
Introduction       
Meaning of Ratio Analysis
Objectives of Ratio Analysis
Forms of Ratio Analysis
Steps in Ratio Analysis
Types of Comparison
Pre-requisites to Ratio Analysis
Classification of Ratio Analysis
Based on Financial Statements
Based on Function
Based on User
Liquidity Ratios   
Current Ratio
Liquid Ratio
Absolute Ratio
Working capital                 
Investment /Shareholder
Earning per Share
Dividend per Share
Dividend Payout Ratio
Gearing
Capital Gearing Ratio   
Profitability           
Gross Profit Ratio
Net Profit Ratio
Return on Capital Employed
Financial
Debtors Turnover Ratio (DTO)
Solvency Ratios
Debt Equity Ratio
Interest Coverage Ratio (ICR)
Reserves to Total Funds
Market Based Return
Importance of Ratio Analysis
Advantages & Disadvantages of Ratio Analysis
Purpose of Ratio Analysis
DUPONT ANALYSIS
INTRA COMPANY ANALYSIS
STRATEGIC ANALYSIS
SERVICE GAP ANALYSIS
RECOMMENDATIONS
SUGGESTION TO OTHER FINANCIAL INSTITUTIONS
BIBLOGRAPHY

 

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A Report on Analyze the Marketing of Consumer Products both Durable and Non Durable in Rural Areas

Marketing in developing countries like India have often been borrowed from the western world. Concepts like Brand identity, Customer relationship management, 4 Ps of the marketing mix, Consumer behavior process; Segmentation, targeting and positioning etc. have often been lifted straight from the marketing intelligentsia abroad and adopted in Indian conditions, often with minimal success. Reason lies not in the fault of such concepts, but their integration with the Indian ethos and culture.

The rural India offers a tremendous market potential. Nearly two-thirds of all middle-income households in the country are in rural India and represents half of India’s buying potential. Despite, the strong potential the rural markets are by and large less exploited. Consider the market, out of five lakhs villages in India only one lakh have been tapped so far. According to us if the rural market has to be adequately tapped, there has to be a change in the way marketing concepts learnt in B-schools with adequate adoption according to scenarios prevalent in rural India. The paper thereby present the modified version of Philip Kotler’s famous marketing mix consisting of 4Ps. The focus is on its modification and subsequent customization to Indian rural markets perspective. The 4Ps have to be modified to include 1P i.e. Packaging and 1R i.e. Retailer as special focus areas. Further to ensure the sustainability of the marketing mix two Es i.e. Education and Empowerment have to be at the core as they help in generating widespread participation from the rural clientele by enhancing their standard of living. The Products in the rural market should essentially operate at the basic and expected level of product classification. They should essentially meet the basic needs of the consumer and should be a no-frill product, as the consumer would not be valuing much any further addition to the product concept. Companies also face a daunting task in communicating about their products to the consumer due to lack of literacy and failure of traditional media to penetrate in the rural households.

Hence, the advertising mix has to be more towards non-conventional yet effective medium like Puppetry, Folk Theater Song, Wall Painting, Demonstration, Posters, Agricultural Games, NGOs network, etc. Thus overall either the product or communication or preferably both need to be customized to target the rural customer. In terms of physical distribution due to lack of infrastructure the costs are very exorbitant to reach the rural customer. Thus, mediums like rural marketing vehicles and melas and haats provide better opportunities to meet customer needs. Also the existing distribution would need a transformation to achieve the required penetration levels as success of Project Streamline of HLL has shown. Since, the value for money concept is more important rural customers, there has to be an approach of treating customer as budget seeking consumer. Here, fitting the consumer needs into an affordable price point is pursued first and then other features of product are fitted in. Similarly, packaging has to meet customer needs of better brand recall and introducing favorable price points. At the same time the importance of retailer has to be recognized where he is one of the most major influencer is customer’s decision making process. He acts as the friend and guide in this process and hence, needs to be managed effectively through promotion programmes and incentives to promote the brand of a company. In order to bridge the gap between Philip Kotler and countryside Indian what is needed the appreciation of unique features of rural India and thus, responding to them by making adequate improvements in the application of the marketing concepts learnt in the class. For achieving the desired results of capturing the rural customer a comprehensive approach to the traditional marketing concepts has to be taken. This marketing mix has to be responsive to customers needs and fit into his life as a tool of self-enhancement. To be successful the concept of marketing has to be taken in conjunction with its economic, psychological and social implications.

Contents:

EXECUTIVE SUMMARY
RESEARCH METHODOLOGY
REVIEW OF LITERATURE
INTRODUCTION
FINDINGS AND ANALYSIS
CONCLUSIONS
SUGGESTIONS AND RECOMMENDATIONS
APPENDIX
BIBLIOGRAPHY

 

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A Project Report on Working Capital Management in Grasim Industries

When we talk of research methodology, we not only talk of the research methods but also the comparison of the logic behind the methods, we used in this context of our research study and explain why we are using a particular method or technique and why using the others. Research methodology is a way to systematically solve the research problem. It may be understood as a science of studying how research is done systematically. In this, we study the various steps that are generally adopted by researcher in studying his research problem along with the logic behind them.
“The present study is based upon the case study method of research to investigate procedures at micro level”.
As the study is analyzing probing in nature, thus, entirely based on the secondary data gathered through the annual reports of the industry. Therefore it provides a historical perspective of decisions.

Contents:

Introduction
Research Methodology
Grasim Industry Ltd
An Overview of Grasim Industry
Characteristics of Grasim Industry
Mission
Values
Management Structure
Main Products of Grasim Industry
Main units of Grasim Industry
Bhiwani  Textile Mill
About the Mill
Strategy & Philosophy of Company
Objective
SWOT Analysis of BTM
Organization structure of finance
What can we do
What you can expect
WORKING CAPITAL AT A GLANCE
THEORETICAL ASPECTS OF WORKING CAPITAL MANAGEMENT
WORKING CAPITAL MANAGEMENT
RECEIVABLES MANAGEMENT
INVENTORY MANAGEMENT
CASH MANAGEMENT
ANALYSIS OF WORKING CAPITAL MANAGEMENT
COMPARATIVE P&L ACCOUNT
TREND ANALYSIS
CASH FLOW ANALYSES
RATIO ANALYSIS
FINDINGS AND CONCLUSIONS
LIMITATIONS
BIBLIOGRAPHY

 

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A Study of Potential Market for Videocon Refrigerator with the help of Structured Questionnaire Method for Dealers and Consumers in Aurangabad

The Videocon Group operates through four key sectors. Consumer durables, Thomson CPT, CRT glass, Oil and Gas. Videocon Appliances Ltd. is enjoying a predominant position in terms of sales and consumer satisfaction in many of our consumer products like color television, Washing machines,, Air conditioners, Refrigerators, Microwave ovens and many other home appliances, selling them through a Multi-brand strategy with the largest sales and service network in India. Refrigerator manufacturing is further supported by inhouse compressor manufacturing technology in Bangalore.
        
The project which was assigned to me was to conduct “the study the potential market of Videocon Refrigerator with the help of structured questionnaire method for dealers and consumers, in Aurangabad.”
        
The purpose of the conduction of this project is to know the sales pattern from the dealers and to know the market potential from the customer’s view. The area of operation is limited to Aurangabad only. The main tool used to carry out this project is structured questionnaire which is part of the opinion survey method. The questionnaire is designed separately for both consumers and dealers. Structured questionnaire is the effective and efficiently used research instrument. It is commonly used primary data collection tool for research purpose.
        
 Objective of my research is to conduct the comparative study of refrigerators available in market and accordingly find out the market position of Videocon. To achieve this objective, opinion survey method is used with the help of questionnaire. To analyze the market position is means to observe the sales of the company product, whether it is declining, stationary or growing. Along with this main objective, other secondary objectives are also get fulfilled. 

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A Project Report on the Study of Forex Market and Risk Management

The project undertaken is based on the study of foreign exchange market and risk management in general as well as in the forex market.
FOREIGN EXCHANGE MARKET: Foreign exchange market is a market where foreign currencies are bought & sold.
Foreign exchange market is a system facilitating mechanism through which one country’s currency can be exchanged for the currencies of another country.
The purpose of foreign exchange market is to permit transfers of purchasing power denominated in one currency to another i.e. to trade one currency for another.
The project covers various trading areas of forex market such as, spot market, forward market, derivatives, currency futures, currency swaps etc. It helps in understanding various trend patterns and trend lines. What considerations are kept in mind while trading in forex market and why one should enter such market is studied under this project.
Another part of this project covers Risk Management in general as well as in forex market. Risk Management is the process of measuring, or assessing risk and then developing strategies to manage the risk. In general, the strategies employed include transferring the risk to another party, avoiding the risk, reducing the negative effect of the risk, and accepting some or all of the consequences of a particular risk.
A person has to face risk whether he’s in business or is entering the forex market.So, he uses various strategies and methods to overcome  that risk.
The data used in this project has been collected from websites based on related topics and various books of forex market and risk management. The information displayed may be limited,as each and every aspect related with the project that is provided by the avilable sources might not be complete in all respects.

 

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A Project Report on Stress Management in BPO

Today’s age is called “The Age of Anxiety” and this century is called “The Century of Stress”. Today vast majorities of people are in a state of Stress. Their fast-paced lifestyle demands  that  they are  raring  to  go  always  and  are always  under  pressure  to perform.  This pressure usually leads to Stress. Stress can be due to various reasons. And Stress in many cases causes Tension, Depression, Anxiety, etc.  
A lot of research has been conducted into ‘stress’ over the last hundred years. Some theories about it are now settled and accepted; others are still being researched and debated.
Hans Selye was one of the founding fathers of research on stress. He stated in 1956 that “Stress is not necessarily something bad – it all depends on how we take it.” The stress of exhilarating, creative successful that of failure, humiliation or infection is detrimental. Since then, a great deal of further research has been conducted on the subject, and new ideas have come to light.
Stress is now viewed as a "bad thing", with a range of harmful biochemical and long-term effects. These effects have rarely been observed in positive situations. Stress is that stress is a condition or feeling experienced when a person perceives that “demands exceed the personal and social resources the individual is able to mobilize.” In short, it is what we feel when we think we have lost control over events. There are very many proven skills that we can use to manage stress. These help us to remain calm and effective in high-pressure situations, and help us avoid the problems of long term stress.
Stress is something that occurs all the time and affects everyone one way or another at least some of the time. Stress can be a good thing. It can be a source of motivation to help get something done or help one to react quickly to a potentially dangerous situation.

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A Project Report on Significance of Emotional Intelligence and its Impact on Job Satisfaction

In the present scenario, cut throat competition, stretched goals, cultural differences among the diverse workforce and imbalanced work life have lead to increasing level of stress in employees, also increase the job dissatisfaction. This satisfaction adversely affects the performance of the employees and becomes an undesirable and paramount the organization problem. Hence the scientific researchers shown that the emotional intelligent person is more adaptive to the environment and more productive for the organization. Therefore, tools stress due to the job dissatisfaction can prove to be important for making the employees more efficient and effective. Research also reveal that emotional quotient contributes 80% in the success of the person as compared to the 20% contribution of the intelligence quotient (IQ) only.

Therefore, EQ is undoubtedly a very important dimension of a person’s personality. Researchers also suggest that Emotional Intelligence oriented interventions can be successful tools for making employees more job satisfied and stress less.
By developing our Emotional Intelligence we can become more productive and successful at what we do, and help others to be more productive and successful too. The process and outcomes of Emotional Intelligence development also contains many elements known to reduce stress for individuals and organizations, by decreasing conflicts, improving relationships and understanding and increasing stability, continuity and harmony which leads to the job satisfaction.
1.1 Emotional intelligence
To understand the concept of emotional intelligence,it would be useful to have an idea of what emotions are . the word emotion comes from the latin word motere which means to move this donates that all emotions induce desire to act the Oxford English  dictionary defines emotions as , any agitation or disturbance of mind ,feelings, passion.

Table of contents:

1.0 INTRODUCTION
1.1 Emotional Intelligence
1.2 Job Satisfaction
1.3 EI and Performance
1.4 Use of EI in HR Application
1.5 Objective, Need, Scope and Research methodology
1.6 Research Methodology
2.0 LIBERTY INTRODUCTION
3.0 LITERATURE REVIEW
4.0 EMOTIONAL INTELLIGENCE AND JOB SATISFACTION
5.0 SUMMARY
5.1 Findings
5.2 Limitations
5.3 Recommendations
6.0 BIBLOGRAPHY
7.0 QUESTIONNAIRE

 

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A Project Report on Retail Plan for New Retail Brand in India

Retail means selling goods and services in small quantities directly to customers. Retailing consists of all activities involved in marketing of goods and services directly to consumer for their personnel family and household use.

The Indian retailing industry is becoming intensely competitive, as more and more payers are Vying for the same set of customers. The major retail players are Pantaloon Retail, Shoppers Stop, Reliance, etc.,

Retailing is one of the biggest sectors and it is witnessing revolution in India. The new entrant in retailing in India signifies the beginning of retail revolution. India's retail market is expected to grow tremendously in next few years. According to AT Kearney, The Windows of Opportunity shows that Retailing in India was at opening stage in 1995 and now it is in peaking stage in 2006. India's retail market is expected to grow tremendously in next few years. India shows US$330 billion retail market that is expected to grow 10% a year, with modern retailing just beginning. India ranks first in 2005.  In fact, in 2005 and 2006, India is the most compelling opportunity for retailers, because now India is in peaking stage.

Sector details
1. Introduction to retail industries.
2. Retail word is derived French word retailer means to cut off a piece.
3. Retailing includes all the activities involved in selling goods or services to the final customer for personnel or non-business use.
4. Supermarket is a retailing of a wide variety of consumer products under one roof, ample stock, stock of several brands & extended business hours.

Contents:Summary
Acknowledgement
Industry Profile
Competition In Retail
Store Study
Store Structure
Vision & Mission
Supply Chain Management
Analysis & Interpretation
Conclusion
Bibliography

 

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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 Investors Perception Towards Online Trading

“Marketing management 12e-Analysing consumer markets” by Philip Kotler states that perceptions are more important than reality and it affects the consumers actual behaviour.Perception is defined as the process by which an individual selects,organizes,and interprets information inputs to create a meaningful picture of the world.

“Online stock trading in India: An empirical investigation”
In 2007,Nidhi walia and Ravinder kumar’s research report examined the investor’s preference for traditional trading and online trading, investor’s perception on online trading and comparing current usage of online trading and offline trading. This study reveals that out of every 100 investors only 28 trade online, which points out a question as why investors were not able to realize the importance of technology in stock trading.
Online trading has gained momentum from just 0.5% of total traded volumes 5 Years back, which now accounts for 5% of the total trading volume of approximately Rs 14000 Cr on NSE. Over the past 2 years, the value of all trades executed through internet on NSE has grown from less than Rs 100 cr in June 2003 to over Rs 700 Cr in June 2005.
The major findings of the study are that Indian investors are more conservative, they do not change easily and indian traditional traders still choose brokers for trading ,whereas net traders are more comfortable with online trading for its transparency and complete control of the terminal. 

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A project report on investor perception regarding commodity trading

Commodity trading is characterized by high market volatility and risk. Globalization and advances in technology have significantly changed the way trading is done the factors difference prices and the frequency with which prices change has increased exponentially timely access to information and analysis is the only way to succeed in commodity.

COMMODITY

Any product that can be used for commerce or an article of commerce which is traded on an authorized commodity exchange is known as commodity. The article should be movable of value, something which is bought or sold and which is produced or used as the subject or barter or sale. In short commodity includes all kinds of goods. Indian Forward Contracts (Regulation) Act (FCRA), 1952 defines “goods” as “every kind of movable property other than actionable claims, money and securities”.

 In current situation, all goods and products of agricultural (including plantation), mineral and fossil origin are allowed for commodity trading recognized under the FCRA. The national commodity exchanges, recognized by the Central Government, permits commodities which include precious (gold and silver) and non-ferrous metals, cereals and pulses, ginned and un-ginned cotton, oilseeds, oils and oilcakes, raw jute and jute goods, sugar and gur, potatoes and onions, coffee and tea, rubber and spices. Etc.

CONTENTS

Certificate

Preface

Acknowledgement

INTRODUCTION

• Commodity trading

• History of commodity market

• commodity exchanges

• Instruments available for trading

• Rules of commodity trading

REVIEW OF LITERATURE
NEED, SCOPE & OBJECTIVES OF THE STUDY
RESEARCH METHODOLOGY
DATA ANALYSIS & INTERPRETATION
FINDINGS OF THE STUDY
CONCLUSION & RECOMMENDATIONS
BIBLIOGRAPHY
ANNEXURE – I   (Questionnaire) 

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A Project Report on Initial Public Offers

Fortune Financial Services (India) Limited was incorporated in the year 1991 by Mr. J. T. Poonja, Chairman and Mr.Nimish C Shah, Vice Chairman and Managing Director. Fortune Group which comprises the holding company Fortune Financial Services (India) Limited and its wholly-owned subsidiaries, is engaged in providing a range of Financial Services right from Equities and Derivatives trading, Equity Research, Commodities Trading, Portfolio Management Services, Distribution of Mutual Funds, IPO & Insurance products and also Investment Banking Services.

The main activities of the company are conducted through Fortune Financial Services which is also the holding company & its wholly owned subsidiaries. A brief snapshot of all the companies is outlined as under.

 

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A project on In-Depth Comparative Study of the Customer Preference for Public and Private Owned Bank Loan With Reference to SBI and ICICI Bank in Ahmadabad

My project title is an in-depth comparative study of the customer preference for public and private owned bank loan, with reference to SBI and ICICI bank in Ahmadabad. I have selected this topic because the Indian Banking lending system has grown by leaps and bound in few last years. There are greater number of borrowers. By this study I have find out satisfaction level of customer and also problem faced by them in lending process.
Objectives:

• To analyze the various factors which necessitates the adoption of public or private banks?
• To identify the factors affecting customer to go for a home, car, educational loan in public and private banks.
• To identify the loan process in SBI and ICICI bank.
• To understand the customer satisfaction regarding the process for loan in bank.
• To study factors affecting for home, car, educational loan rates in banks.
• How does floating rates of interest affect normal person.
• Different Installment Plan in these loans

Research methodology:
In research methodology I had taken both primary and secondary data. In primary data I had prepared a questionnaire to understand customer level of satisfaction. In secondary data I had search in companies’ data base its website and various other second hand data available in this universe.

Contents:Executive summary          
Preface          
Introduction          
Floating rate          
Research methodology          
Review literature          
Company profile          
Home loan
SBI home loan
ICICI home loan          
Car loan
SBI car loan
ICICI car loan          
Education loan
SBI education loan
ICICI education loan          
Data analysis and its interpretation          
Result          
Findings and Recommendations          
Summary          
Conclusion          
Bibliography          
Appendices

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