Market Scoping and Analysis of Financial investments and loans Products

Presented by: Umesh.R. Yadav

Introduction to company

IIFL (India Infoline Finance Ltd.) was founded in 1995 by Mr. Nirmal Jain(Chairman and Managing Director) as an independent business research and information provider.

It gradually evolved into a financial services solution provider. IIFL has a network of 3000 business locations spread over more than 500 cities and towns across India.

IIFL is listed on the Bombay Stock Exchange(BSE) and the National_Stock_Exchange_of_India (NSE) for securities trading; with MCX, NCDEX and DGCX for commodities trading; and with CDSL and NSDL as depository participants.IIFL is registered as a Category In merchant banker and is a SEBI registered portfolio manager.

India Infoline (IIFL) group, is a brokerage firm dealing in retail brokerage, institutional brokerage, consumer lending, institutional lending, realty and wealth management.

IIFL have a presence in:• Equities• Derivatives• Commodities• Insurance• Fixed deposits• Mutual fund• Asset Management• Wealth management• Loans

Products In Gold Loan Branch• Gold Loan• Housing Finance• Mutual Fund• Fixed Deposits• Insurance

Objective of Study

• To study and analyzing the awareness level of customers regarding different financial investments and loan products.• To measure satisfaction level of customers regarding

different products.• The main objective of this project is to understand what

is gold loan, to study the gold loan process at branch level.• To find out the competitive position of India Infoline, and

the ways and means to improve on the service by India Infoline Finance Limited.

Project ProfileI was allotted IIFL Vashi sec9, BranchThe branch at large deals with Gold Loan.Have more than 900 customers. More than 40-50 customers daily visiting the branchFor enquiry, pledging the gold, interestpayment., etc.Where I was give different role to performSuch as:• Helping branch in there day to day operations.• To conduct market survey to know about the awareness of

customer regarding different financial products through financial awareness survey form.

• To conduct marketing activity with the help of staff.

Research Design

Type of design: Exploratory research design.Sources of data: Primary data & Secondary data.Research Equipment: Questionnaire.Sampling technique: Non probability technique-convenience sampling method.Sample size: 100

Are you aware about concept of gold loan? Yes - 66% No - 34

How many times in year you have emergency requirement of money?a) 0 05%b) 1 15%c) 2 35%d) 3 25%e) 4 12%f) 5 5%g) 6 3%

How do you manage when you require money? Relatives 53 Friends 10 Loan 30 Savings 7

What according to you is the safest instrument of Investment & Saving?

a)Banks Saving A/C 31%

b)Insurance 7%

c)Real Estate 18%

d)Stocks & Shares 9%

e)Fixed Deposit 19%

f)Post Office 16%

Gold market shares

Muthoot finance 21.10% Indian overseas bank 14.80% Indian bank 11% Mannapuram 7.40% South indian bank 6% Muthoot fincorp 5.90% India Infoline Finance Ltd 3.75%

Findings• Among all the respondents 80% are aware about different

Financial services provided by IIFL and remaining 20% are not aware about the same.

• According to the survey most of the customers of India Infoline ltd says that the rate of interest charged by IIFL satisfactory.

• Many people know the concept of gold loan in spite of that they don’t take Gold loan.

• People want to invest their money in insurance, Fixed deposits and mutual fund.

• IIFL targets there gold loan customer for investments.

Suggestions• Create awareness using mass media.• Provide the facility of free demonstrations for all.• Some promotional activities are required for the awareness of

the customer.• Improvement in schemes is required.• People at young age should be encouraged to invest in Mutual

fund as well as Insurance.