Icici Direct.com Online

8/10/2019 Icici Direct.com Online

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INTRODUCTION

1.1 GENERAL INTRODUCTION

PHYSICAL CERTIFICATES - THE TRADITIONAL WAY

The Indian capital market has seen an unprecedented boom in its activity in the lastdecade. We can now boast of a very large investor population and substantial volumes oftrade. However, this surge in activity has brought with it, numerous problems thatthreaten the very survival of the Capital market in the long run. A closer inspection of theproblems would reveal that most of them arise due to the intrinsic nature of paper basedtrading and settlement.

This centuryold system of trading and settlement re!uires handling of huge volumes ofpaper leading to increased costs and inefficiencies. "imultaneously, they e#pose theinvestors to greater risks putting them at a disadvantage. "ome of these areas are$

%nwarranted delay in transfer of shares. It takes &' to (' days for the investors to get

the shares lodged in their name)

*ossibility of forgery on various documents leading to bad deliveries, legal disputes

etc)

Theft of shares leading to defective title in shares purchased and subse!uent

litigation)

*revalence of fake certificates in the market)

+utilation or loss of share certificates in transit)

Increased transaction costs due to stamp duty, fake shares, reection by registrars, etc.

This has made the investors, both retail and institutional, wary of entering the Indiancapital market. In this scenario, it was felt that the getting up of a depository and theintroduction of scrip less trading and settlement is imperative for the efficient functioningof the market.

The Indian capital market has witnessed numerous changes in the recentpast. Historically stock market booms have always resulted in a number of problems for

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the lay investor. "ometimes, the problem may magnify them and threatens to engulf theentire capital market. A close introspection of these problems will reveal that most ofthem are due to intrinsic nature of paper based trading and settlement. All this may havedriven away many potential investors and oreign Institutional Investors./emateriali0ation of shares is looked upon as the remedy for the 1paper2 based problems.

With effect from august -3, -334 "56I has granted certificate of registration ofCentral /epository "ervices 7I8 9td. 7C/"98.

:et even with demat, from the point of view of investors there are numerousproblems. Here Wallet Watch introduces you to setting up of a demat account andintroduction of scrip less trading and settlement. There are numerous benefits of this scripless trading and settlement, which Wallet Watch has discussed in detail.

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COMPANY PROFILE:

2.1 INTRODUCTION ABOUT THE COMPANY

5ven as the 5uropean and American stock markets reckon with the changes broughtabout by the Internet and IT


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dematerialised, the concept of dematerialisation can be said to have taken roots. If theregulatory direction is any indication, more paper will be flushed out of the system in thene#t two years.

The costs of dematerialisation have declined as the ="/9 slashed charges asvolumes e#panded and the competition E from the Central /epository "ervices 9td

7C"/98 floated by the 6"5 E started in -333 second half. A series of measures by "56Iand ="/9 also helped ease the strain faced by retail investors.

rom a longterm perspective, demat in India is of considerablesignificance. =ot only has the general trading environment improved and !uickened,volumes too have perked up, even in the demat segment. With demat taking off, there isnow scope for an improvement in the !uality of investor services.

As a conse!uence of dematerialisation, the Indian market is also wellprepared for webbased trading though the !uality of telecom infrastructure andinade!uacies in the banking systemstock e#change linkages may cause delays. =otably,with regard to the thrust towards paperless trading, the Indian market managed in three

years what took even the %" much longer.

With a high degree of dematerialisation a reality, the stage is set for rolling settlementsand webbased trading. Fnce these are in place, the Indian market will have moved closerto the standards in advanced markets, such as the %". And paperless trading may well bethe catalyst for such a rapid advancement.

2.2 HISTORY OF THE ORGANIZATION:

The demateriali0ed form of shareholding and the depository mode oftrade 7scrip less trade8 have been in operation in developed financial markets for over -@years. In India, the first depository commenced operation a decade back and is relativelynew. The Indian financial market is in need of both scripbased and scrip less trade, butthe investing community, which is used scripbased trade, is bound to take some time toaccept the latter. The scrip less trading, till now a domain of the western world,institutional investors and G/B holders is now mandatory even for small investors. Allthose who hold physical share certificates have to get them demateriali0ed. If they do not,they will be forced to do so at the time of sale.

The countless numbers of conservative Indians have to digest it,

whether they like it or not. irst, the institutional investors succumbed. Then the high networth individuals, trading in more than a certain numbers of shares, were forced to givein. now, it is the turn of the small investors of selectcompanies.

With their share certificates being replaced by small slips and receipts,naturally the average investors will have their share of fears and apprehensions. It isnecessary to educate and convince these investors about the benefit of /emat rather thanforcing them to take part in the game.

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2.3 Comp!"#$ %&$&o!:

To make ICICI /irect the dominant online share trading by world class people andservices.

T'&$ () 'op) *o +'&),) ":

%nderstanding the needs of customers and offering them superior product and

service.

9everaging technology to service customers !uickly and conveniently.

/eveloping and implementing superior risk management and investment strategic

to offer sustainable and stable return to our shareholder.

*roviding and enabling environment to foster growth and learning for our

employees

2. Comp!"#$ m&$$&o!:

To udged by their sales and earnings growth rates than on the absolute value of theirsales and earnings. 9ook for companies that consistently grow faster than there peers. Investors prefer companies that increase profit margins the percentage of salesthat they keep every year. This is accomplished either by lowering e#penses or raisingprices. 9ook for companies that consistently find ways to s!uee0e more profits out ofsales than their peers. The financial health of a company is dependent on a combination of profitability,shortterm li!uidity and long term li!uidity. Companies, which are profitable, but have

poor short term or long term li!uidity measures, do not survive the troughs of the tradecycle

2./ M0o P") o *') I!45$*"

S. S. 6!*& I$'( S)+5&*&)$ P,*. L*4. 7$')8'!.+om 9:

"harekhan, Indias leading stockbroker is the retail arm of ""I, and offers youdepository services and trade e#ecution facilities for e!uities, derivatives andcommodities backed with investment advice tempered by decades of broking e#perience.A research and analysis team is constantly working to track performance and trends.

Thats why "harekhan has the trading products, which are having one of the highestsuccess rates in the industry. "harekhan is having ;>' share shops in --' cities) thelargest chain of retail share shops in India is of "harekhan.

In future, "harekhan is planning to enter in +utual funds, Insurance sector and bankingsector to e#pand beyond the market currently covered by it. And it has started +7+utual unds8 on priority basis but wants to grow in it.

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ICICI WEB TRADE LTD. 7CICI4&)+*.+om9:

ICICIdirect.com was the first entrant into ebroking. ICICdirect.com provides the &inl to the users which ties in their saving bank account and their /emat account to theirbrokerage account electronically. This integration ensures that money is transferredto; branches servicing around -,'',''' customers. otakstreet.com the online

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division of otak "ecurities 9imited offers Internet 6roking services and also online I*Fand +utual und Investments.

otak "ecurities 9imited manages assets over -'' crores under *ortfolio +anagement"ervices 7*+"8 which is mainly to the high end of the market. otak "ecurities 9imited

has newly launched Kotak InfinityK as a distinct discretionary *ortfolio +anagement"ervice, which looks into the middle end of the market.

I!4& B5$:

India bulls is Indias leading retail financial services company with locations spreadacross (> cities. Its si0e and strong balance sheet allows providing varied products andservices at very attractive prices, our over @' Client Belationship +anagers arededicated to serving your uni!ue needs.

India bulls is lead by a highly regarded management team that has invested crores ofrupees into a world class Infrastructure that provides realtime service I ;>


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In Asia +oney 6rokers *oll ;''& +F"t has been rated as the 6est /omestic BesearchHouse +ega unds, while in ;''' and ;''; it has been rated as the 6est /omestic5!uity Besearch House and "econd best amongst Indian 6rokerage firms respectively.

HDFC SECURITIES LTD 7HDFC$)+9:

H/Csec is a brand brought to you by H/C "ecurities 9td, which has been promotedby the H/C 6ank I H/C with the obective of providing the diverse customer baseof the H/C Group and other investors a capability to transact in the "tock 5#changes Iother financial market transactions. The services comprise online buying and selling ofe!uity shares on the =ational "tock 5#change 7="58. 6uying and selling of selectcorporate debt and government securities on the ="5 would be introduced in asubse!uent phase. In a few months, they will also start offering the following onlinetrading services on the 6"5 and ="5$

6uying and selling of shares on the 6"5

Arbitrage between ="5I 6"5

Trading in /erivatives on the ="5

+argin trading products.

They are also planning to include buying and selling of +utual unds, I*M subscriptions,right issues, purchase of Insurance policies and asset financing.

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2. OB;ECTI%ES OF THE STUDY

S*54" o ICICI D&)+*.+om 7o!&!) $') *4&!


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6roker instructs his /* to debit his Clearing +ember account on settlement day.&. 6efore settlement day 6roker makes payment to clearinghouse through Clearing

6ank.>.Fn settlement day Clearing house releases shares to broker2s Clearing +ember accountwhich is then transferred to investors account through ="/9 7=ational "ecurities

/epository 9imited8. Investor gets credit in his account.

SELLING:

-. An investor gets order e#ecuted.;. Investor instructs his /epository *articipant to debit his account with immediate

effect. The shares move from investors account to 6rokers Clearing +ember accountvia ="/9. A 6roker clearing member accounts is credited.

&. 6efore settlement day broker transfers shares from his clearing member account toClearinghouse via ="/9. His account is debited.

>. Fn settlement day 6roker receives payment from clearing house which he passes onto the investor.

ICICID&)+*.+om

ICICI/irect.com is a truly online sharetrading site. This means that from the time youpunch in a buy or sell trade on your computer to the final settlement in your account,everything happens completely online. The &in- einvest account integrates yourbrokerage, bank and one or more depository accounts to make sure that you can do theotherwise cumbersome share trading from the comfort of your home or office, atabsolutely any time of the dayNor night.

HOW CAN ONE OPEN AN ACCOUNT IN DEMAT?

irst an investor has to approach a /* and fill up an account opening form. The accountopening form must be supported by copies of any one of the approved documents toserve as proof of identity 7*FI8 and proof of address 7*FA8 as specified by "56I.6esides, production of *A= card in original at the time of opening of account has beenmade mandatory effective from April '-, ;''(.

All applicants should carry original documents for verification by anauthori0ed official of the depository participant, under his signature.

urther, the investor has to sign an agreement with /* in a depository prescribed standardformat, which details rights and duties of investor and /*. /* should provide the investorwith a copy of the agreement and schedule of charges for their future reference. The /*will open the account in the system and give an account number, which is also called 6FI/ 76eneficiary Fwner Identification number8.

The /* may revise the charges by giving &' days notice in advance."56I has rationalised the cost structure for dematerialisation by removing accountopening charges, transaction charges for credit of securities, and custody charges videcircular dated Oanuary ;4, ;''@.

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urther, "56I has vide circular dated =ovember '3, ;''@ advised that witheffect from Oanuary '3, ;''(, no charges shall be levied by a depository on /* andconse!uently, by a /* on a 6eneficiary Fwner 76F8 when a 6F transfers all thesecurities lying in his account to another branch of the same /* or to another /* of thesame depository or another depository, provided the 6F Account

/edicated customer care e#ecutives specially trained at our call centre, to handle

all your !ueries.

Countrywide network of over ;&@ branches, you are never far from an ICICI

6ank /emat "ervices outlet.Po45+* !4 S),&+)$

A product for every need$ ICICldirect.com is the most comprehensive website, whichallows investor to invest in "hares, +utual funds, /erivatives 7utures and Fptions8 andother financial products. "imply put ICICldirect.com offer investor a product for everyinvestment need.

T4&!< &! $')$$

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-. C$' T4&!


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5.g. :ou 6uy -'' shares of I=T5C at &>'', anticipating that the price would rise. Atthe same time, you will be re!uired to place a cover stop loss order. "ay you decide yourstop loss price at &&&'. :ou will then be re!uired to state the limit price at say @J lowerlevel i.e. "ell - '' I=T5C at &;&' limit price and &&&' "top 9oss Trigger *rice.

Hence if your view goes wrong and the price of I=T5C moves down, your "top 9ossorder will be triggered at &&&' and will get e#ecuted at the best available price between&&&' and &;&'.

If your position is favorable, and I=T5C moves up to &@'', you can modify the "top9oss order to a market order and close your position.

>.Spo* T4&!


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%nderlying Asset at the specified strike price by paying a premium whereas the"eller of the *ut has the obligation of 6uying the %nderlying Asset at thespecified "trike price.

6y paying lesser amount of premium, you can create positions under F*TIF=" and takeadvantage of more trading opportunities

I!,)$*&!< &! M5*5 5!4$:

ICICldirect.com brings you the same convenience while investing in +utual funds also Hassle free and *aperless Investing.

With the inclusion of idelity +, you can now invest online in -3 mutual undsthrough ICICI direct.com. *rudential ICICI +, O+ +, Alliance +, ranklinTempleton +, "undaram +, 6irla "un 9ife +, H/C +, *rincipal +, %TI +,Beliance +, otak +, Tata +, /"* +errill 9ynch +, I=G +, CHF9A +,/eutsche +, H"6C + and "tandard Chartered + are the +utual unds available for

investment.

:ou can invest in mutual funds without the hassles of filling application forms or anyother paperwork. :ou need no signatures or proof of identity for investing.

Fnce you place a re!uest for investing in a particular fund, there are no manual processesinvolved. :our bank funds are automatically debited or credited while simultaneouslycrediting or debiting your unit holdings.

:ou also get control over your investments with online order confirmations and orderstatus tracking. Get to know the performance of your investments through online

updation of + portfolio with current =A L.

ICIC4&)+*.+om o)$ "o5 ,&o5$ op*&o!$ ('&) &!,)$*&!< &! M5*5 F5!4$:

P5+'$): :ou may invest


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S"$*)m*&+ I!,)$*m)!* p!$ 7SIP9:"I* allows you to invest a certain sum ofmoney over a period of time periodically. Oust fill in the investment amount, theperiod of investment and the fre!uency of investing and submit. ICICIdirect.com willdo the rest for you automatically investing periodically for you.

S"$*)m*&+ (&*'4( p!$ This allows you to withdraw a certain sum of moneyover a period of time periodically.

T!$)-&!::ou can convert your e#isting +utual funds into electronic mode through atransferin re!uest.

IPO$ !4 Bo!4$ O!&!):

:ou could also invest in Initial *ublic Fffers 7I*Fs8 and 6onds online without going

through the hassles of filling A=: application formS paperwork.

Get indepth analyses of new I*Fs issues 7Initial *ublic Ffferings8, which are about to hitthe market and analysis on these. I*F calendar, recent I*F listings, prospectus


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several areas of investing. ICICI Lenture seeks to invest in opportunities where itsnetwork through ICICI and TCW can create value for all involved. ICICI Lenture2sprimary investment obective is capital investment through investments by way of e!uityor e!uityrelated securities in unlisted companies with significant growth potential. ICICILenture2s investments span a broad spectrum of industries and stages of development, the

investment focus being on

Information Technology

6iotechnology and 9ife "ciences

+edia and entertainment

Betail "ervices

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ICICI PERSONAL FINANCIAL SER%ICES LIMITED

ICICI *ersonal inancial "ervices 9imited 7ICICI *"8, formerly ICICICredit, was one

of the first four companies to obtain registration as a =on6anking inancial Company7=6C8 from the Beserve 6ank of India 7B6I8 on "eptember -', -33 under the newsection >@IA of the Beserve 6ank of India Act, -3&>. /uring the year -33433, there wasa significant shift in the Company2s operation from leasing to hire purchase todistribution and servicing of all rental products for the ICICI Group. It is now a focalpoint for marketing and distribution of all rental asset products for ICICI, including autoloans, consumer durable finance and other financial products. The Company has thusbecome part of ICICI2s retail strategy aimed at offering a comprehensive range ofproducts and services to retail customers. In view of this reorientation of the business, thename of the Company was changed from ICICI Credit Corporation to ICICI *ersonalinancial "ervices 9imited 7ICICI *"8 effective +arch ;;, -333.

ICICI CAPITAL SER%ICES LIMITED

ICICI Capital "ervices 9td. was incorporated in the name of "CICI "ecurities 9td. on"eptember ;>, -33> as a wholly owned subsidiary of erstwhile "CICI 9td. with theobective of providing stock broking services to the institutional clients and undertakingactivities such as underwriting, primary market placements distribution industry company research etc. After the amalgamation of "CICI with ICICI effective from April-, -33(, resulting in the change of the name. The company is mandated, under review by

ICICI, to carry out on its behalf the retail resource raising activities and to provide frontoffice services related to all retail and semi retail liability products of ICICI. Thecompany also operates the network of ICICI Centers being set up by ICICI. As on datethe company has set up 3- centers across the country.

ICICI INFOTECH

ICICI InfoTech is a leading provider of endtoend IT solutions. We have an indepth

e#perience of having worked on varied technologies with leading corporationsworldwide. Fur service portfolio includes the following$

I" IT Consulting

"oftware /esign and /evelopment

5nterprise Application Integration

Lalue Chain +anagement "olutions 7"C+, CB+ etc.8

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Application Beengineering and +anagement

nowledge +anagement "olutions

5mbedded "ystem Applications

Technology Incubation, ITenabled "ervices IT Futsourcing

ICICI Cp&* L*4.

Its products are

RBI Bo!4$

E-&!,)$* 7ICICI D&)+*.+om9

F&)4 D)po$&*$

M5*5 F5!4$

Bo!4$

D)m*

E@5&*" IPO

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ICICI DIRECT.COM 7ONLINE SHARE TRADING9:

ICICI /irect.com is a truly online sharetrading site. Which means that from the timeyou punch in a buy or sell trade on your computer to the final settlement in your account,everything happens completely onlineQ The &in- einvest account integrates yourbrokerage, bank and one or more depository accounts to make sure that you can do theotherwise cumbersome share trading from the comfort of your home or office, atabsolutely any time of the day or night

3.2 PERFORMANCE AND OPERATIONS

The "ales turnover of the Company during the year was Bs.;,('; million.There is a decrease of >J from the previous year. /ecline in the sale of Carburettors fortwo wheelers and four wheelers had contributed to the overall sales downturn though theCompany has improved the sale of +*I parts to passenger cars.

The profit after ta# of the Company for the year under review is Bs.&million /ue to inclusion of an e#traordinary profit of Bs.;@' million on sale ofinvestments, the *rofit after Ta# has registered an increase of >;J compared to previousyear. The profit from the manufacturing activities of the Company is lower mainly due to

a. price reduction offered to customers

b. increase in the input and raw materials cost

c. a particular customer in the two wheeler market witnessed a steep decline in the sale ofa model for which %"9 is supplying the Carburettors

ey Batios ;''@'( ;''>'@

=et *rofit Batio 7*AT


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. 3.3 SWOT ANALYSIS OF THE COMPANY:

S*)!


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3. FUTURE PROSPECTS AND PLANS OF THE ORGANIZATION

or ICICI the past half has been a trying period more so because of the adverseenvironmental conditions such as the depressed e!uity markets and the volatile currencymarkets. However, its retail thrust and a perceptible shift in financing frommanufacturing proects to corporate finance will put it in good stead for the !uarters tocome. Its growing importance in the telecom and infrastructural sectors, which have hugepotential, will be a key driver of growth for the future

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BOARD OF DIRECTORS OF ICICI SECURITIES LIMITED

ICICI SECURITIES PRIMARY DEALERSHIP LIMITED

+r.".+ukheri,chairman

=itin Oain,+anagining irectore C5F

+s.Lishakha +ulye

+r.A.+urugappam

+r."ubir "aha

+r.%day Chitale

ICICI SECURITIES LIMITED

+r..L. math, Chairman +r.". +ukheri, +anaginig /irectore C5F

+s. alpana +orparia

+r.L. Laidyanathan

+r.=itin Oain

+r.*aresh "hah

+r.%day Chitale

ICICI S)+5&*&)$ Ho4&!


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W'* &$ o5* ICICI $)+5&*&)$ &m&*)4?

G)!) I!om*&o!

Nm) :ICICI SECURITIES LIMITED

HEAD OFFICE :ICICI SECURITIES LTD.

GAUGHAT PAR6OTA SAGAR

TYPE OF BUSINESS :LIMITED COMPANY

PHONE NO :

FA NO :

WEB SITE : (((.&+&+&$)+5&*&)$.+om

(((.&+&+&4&)+*.+om

BRAND NAME FOR ONLINE TRADING:

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http://www.icicisecurities.com/http://www.icicidirect.com/http://www.icicisecurities.com/http://www.icicidirect.com/


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Integrated 5!uity "olutions *rovider

Among the top branded retail service providers

+ulti ? channel access to clients

Tailor made research and products

/epository "ervices

/erivatives

Innovative product for enhanced performance

6est research team in the world

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Ao5* ICICI SECURITIES LIMITED

ICICI securities ltd named its online division as ICICI direct.com and it is into retail

6roking The business of the company overhauled ( years ago in ;'';.

It acts as a discount brokerage house to a full service investment solutions provider

It has speciali0ed research product for the small investors and day traders

9argest chain of Total centers office &@(, Begion office ;&, Total hub office >(, -@'

education workshop, and offices in 4(' cities all across India.

9eading player today with

The site was also launched in ;''; and named it as www.icicidirect.com

It offers its customers with the trade e#ecution facilities on the ="5 and 6"5, for

cash as well as derivatives, cash, margin trading, margin plus, 6T"T 7buy today selltomorrow8, cash on spot, I*Fs, mutual funds, Gal bonds, postal services, insurance oficici group 7icici prudential life insurance and icici 9ombard general insurance8.

ICICldirect.com is a Indias first largest 6;C 5commerce site.

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http://www.icicidirect.com/http://www.icicidirect.com/


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..< PRICE

K:K L&$* P&+)

Fnline opening charges$ @' Bs.Annual maintenance charges$ @'' Bs. *er annum .

.< PROMOTION

Fnline share trading is totally a new concept in Indian +arket. Generally investor doesntlike to come out from conventional way of share trading. ICICI securities limited haveintroduced this product in India. The concept and *roduct are still new in the market.Therefore the company has undertaken e#tensive promotion campaign to createawareness about the product. ICICI securities limited adopt the following tools forpromoting the product.

K:K A4,)*&$&!9 A) "o5 $*&$&)4 (&*' *') $),&+)$ o ICICI D&)+*.Com?

o "atisfied o +ostly "atisfied

o =either "atisfied < %nsatisfied o +ostly %nsatisfied

o %nsatisfied9 A) "o5 $*&$&)4 (&*' *') D)m* $),&+)$ o ICICI D&)+*.Com?



o %nsatisfied

9 A) "o5 $*&$&)4 (&*' *') p5+'$) !4 $)$ o ICICI D&)+*.Com?



o %nsatisfied

19 A) "o5 $*&$&)4 (&*' *') *!$m&$$&o! o $)+5&*&)$ o ICICI D&)+*.Com?

o "atisfied o +ostly "atisfiedo =either "atisfied < %nsatisfied o +ostly %nsatisfied

o %nsatisfied

119 A) *') +5$*om)$ $*&$&)4 (&*' *') $) *')& $)+5&*&)$ &! +$'?



o %nsatisfied

129 A) *') +5$*om)$ $*&$&)4 (&*' *') M5*5 F5!4 $),&+) o. ICICID&)+*.+om?


o %nsatisfied

139 A) "o5 $*&$&)4 (&*' *') *4&!< 4)mo$ po,&4)4 " ICICI D&)+*.+om.?



o %nsatisfied

19 A) "o5 $*&$&)4 (&*' *') p)&o4&+ )+)&p*$ !4 'o4&!< $**)m)!*$ o ICICID&)+*.Com?



o %nsatisfied

1/9 A) *') +5$*om)$ $*&$&)4 (&*' *') *))p'o!&+ )!@5&&)$ o ICICID&)+*.+om?


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o %nsatisfied

19 A) *') +5$*om)$ $*&$&)4 (&*' *') +o-op)*&o! " *') $* o ICICID&)+*.+om.?


o %nsatisfied

1>9 A) *') +5$*om)$ ) $*&$&)4 (&*' *') *& $*5+*5) o ICICID&)+*.Com?

o Lery High o High

o Beasonable o 9ow

o Lery 9ow

19 O,) 'o( *') +5$*om)$ *) *') $),&+)$ o ICICI D&)+*.Com?

o ' J o ;' J

o >' J o (' Jo 4' J o -'' J

19 Ho( 4o *') +5$*om)$ 05$*&" *')& p)))!+) o ICICID&)+*.+om o,) &*$

+omp)*&*o$?

o Muality "ervice o Bates charged

o =othing in *articular o "afety

o "afety

29 A) *') +5$*om)$ () o *') oo(&!< po45+*$ o ICICI D&)+*.+om.?

o ICICI 6onds o ICICI/irect.com

o +utual und o 5!uity I*F

o i#ed /eposit o B6I 6onds

219 Have the customers faced any problem while dealing through ICICI /irect.Comor customers are unsatisfied with the below mentioned schemes < servicesQ

o re!uent reminders are given to ICICI /irect.com for update the

information

o Irregular receipt of Holding < Transaction statements

o Improper format of Holding < Transaction statements

o Improper attention given to the en!uiries

o 6illing problem

o Inade!uate information

Icici Direct.com Online

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