A Comparative Study On ‘ULIP’ Polices Offered ICICI In Comparison To HDFC Customer Satisfaction

Risk and uncertainty are incidental to life. Man may meet an ultimately death. He may suffer from accident, destruction of property, fire, sea perils, floods, earthquakes and other natural calamities. Whenever there is uncertainty, there is a risk as well as insecurity. It is to provide against risk and insecurity that insurance.

Came into being. Insurance does not avert or eliminate loss arising from uncertain events; it only spreads the loss over a large number of people who insure themselves against that risk, the main principle underlying insurance is pooling the risks. It is thus a co-operative device to spread the loss caused by a risk over a large number of persons who are also exposed to the same risk and insure themselves against the risk.

Elements of Insurance

a)  Contract of Insurance
A contact of insurance is a contract by which a person in consideration of a sum of money    undertakes to make good the loss of another against a specified risk.
b) Insurer and Insured.
The person undertaking the risk is called the insurer, assurer or underwriter and the person whose loss is to be made good is called insured or assured.
c) Policy
The instrument in which the contract of insurance is generally embodied is called policy. The policy is not a contract; it is the evidence of contract.
d) Premium
e) Subject Matter of Insurance
The thing or property insured is called Subject Ma The consideration for which the insurer undertakes to indemnify the assured against the risk is called premium.
f) Perils Insured Against
That which is insured is the loss arising from uncertain events or causalities.

Contents:

Chapter -1: Introduction
1. Elements Of Insurance
2. Types Of Insurance
3. Advantages Of Insurance
4. Disadvantages  

Chapter -2: Industry Profile
1. Insurance Sector In India
2. Different Players In Life Insurance Industry
3. Private Insurers Share Over Two Years
4. Structure Of An Insurance Company

Chapter -3: Company Profile          
1. HDFC
2. Old Mutual
3. Products
4. HDFC Bank
5. ICICI Prudential
6. Products

Chapter-4: Management
1. Objectives
2. Methodology
3. Method Of Data Collection
4. Data Analysis

Chapter -5: Data Analysis & Interpretation
1. Table: Presentation Of Data
2. Graphical Representation Of Data
3. Interpretations

Chapter -6: Summary
1. Findings
2. Suggestions
3. Conclusion

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A Dissertation on Mutual Fund And Investor's 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.

A mutual fund business is to invest the funds thus collected according to the wishes of the investors who created the pool. Usually the investors appoint professional investment managers create a product and offer it for investment to the investors. This project represents a share in the pool and pre status investment objectives.

Thus, a mutual fund is the most suitable investment for a common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at relatively low cost.

Contents:
Chapter1. Introduction
1. Introduction of Mutual Fund
2. Objective of Study
3. Scope
4. Methodology
5. Limitations

Chapter2. Mutual Fund Industry
1. History of Mutual Fund
2. Regulatory Framework
3. Legal Structure
4. Classification
5. Types

Chapter3. Performance Measures
1. Investment Plans
2. Different features of various funds
3. Net Asset Value
4. Performance measures of Mutual Funds

Chapter4. Investor’s point of view
1. Stages of Life Cycle
2. Classification of Life cycle

Chapter5. Analysis
1. Analysis of Questionnaire
2. Suggestions
3. Conclusion

Appendices
Annexure

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