Ojt Project

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INDUSTRIAL TRAINING PROJECT REPORT ON “CREDITS (PRODUCTS AND SERVICES OF RELIGARE FINVEST)” (Submitted in the partial fulfillment of the requirements for the Award of Bachelor of Business Administration) Submitted by Name: AVISHEK PAUL Roll No: 976012 BBA Batch (2009-2012) [email protected] Under the guidance of Prof. B.C.M Patnaik Mr.Sarbjit Singh KSOM, KIIT University Religare Finvest Ltd SCHOOL OF MANAGEMENT, KIIT UNIVERSITY BHUBANESWAR – 751024

Transcript of Ojt Project

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INDUSTRIAL TRAINING PROJECT REPORT

ON

“CREDITS (PRODUCTS AND SERVICES OF RELIGARE FINVEST)”

(Submitted in the partial fulfillment of the requirements for the Award of

Bachelor of Business Administration)

Submitted by

Name: AVISHEK PAUL

Roll No: 976012

BBA Batch (2009-2012)

[email protected]

Under the guidance of

Prof. B.C.M Patnaik Mr.Sarbjit Singh

KSOM, KIIT University Religare Finvest Ltd

SCHOOL OF MANAGEMENT, KIIT UNIVERSITY

BHUBANESWAR – 751024

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Certificate of Corporate Guide

In company letter head by the department head/corporate guide

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Certificate of Faculty Guide

Certified that the work incorporated in this Project Report “ON CREDIT.. SME

AND

LAP PRODUCTS” submitted by Mr. AVISHEK PAUL is his original work and

completed under my supervision.

Material obtained from other sources has been duly acknowledged in the

Project Report.

Date: Signature of Guide:

Place:

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Declaration

This is to declare that I have carried out this project work myself in part fulfillment of the BBA

Programme at School of Management, KIIT University.

The work is original, has not been copied from anywhere else and has not been submitted to any

other University/Institute for an award of any degree/diploma.

Date: Signature:

Place: Name:

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CONTENT

1) ACKNOWLEDGEMENT

2) INTRODUCTION

3) COMPANY PROFILE

4) INDUSTRY PROFILE/ PRODUCTS AND SERVICES

5) STRUCTURE OF COMPANY

6) BRAND IDENTIFY

7) STOCK UNDER NIFTY

8) STOCK UNDER BSE

9) RESEARCH METHODOLOGY

10) MARKET SHARE - STOCK MARKET PRICE & GRAPHS

11) APPENDIX

12) QUESTIONNAIRE

13) CONCLUSION

14) BIBLIOGRAPHY

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ACKNOWLEDGEMENT

At the very outset. I wish to express my heartiest gratitude to all those who extended their help it

was absolutely impossible for a single individual to complete the assigned job without help and

assistance from others.

It is my greatest pleasure to acknowledge sincere gratitude towards Mr. Sarabjit Singh,

Mr.Ranadeep Sarma and Mr.Amitava Banerjee Religare Finvest Pvt Ltd., Kolkata, for

their valuable and enlightened guidance as well as freedom they had offered to me during the

completion of the project work.

I am also thankful to the entire employee who provided us with the best practical information

and the necessary information when needed.

I would also like to acknowledge my sincere gratitude to our Coordinator Prof. P.R Sahoo and

my project guide Prof. B.C.M PATNAIK for helping me in this project work.

I am thankful to all of my friends and batch mates for their help in completing this project work.

Finally, I am thankful to my entire family members for their great support and encouragement.

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INTRODUCTION

Religare is a Latin word that translates as 'to bind together'. This name has been chosen to reflect

the integrated nature of the financial services the company offers.

Religare is an emerging markets financial services group with a presence across Asia, Africa,

Middle East, Europe, and the Americas. In India, Religare’s largest market, the group offers a

wide array of products and services including broking, insurance, asset management, lending

solutions, investment banking and wealth management. With 10,000-plus employees across

multiple geographies, Religare serves over a million clients, including corporate and institutions,

high net worth families and individuals, and retail investors. 

COMPANY LOGO:-

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VISION

"To be the leading emerging markets financial services group driven by innovation, delivering

superior value for all stakeholders globally".

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PROFILE OF COMPANY

Religare Enterprises Limited (REL):

Religare, a Ranbaxy promoter group company, is one of the leading integrated financial services

institutions of India. The company offers a large and diverse bouquet of services ranging from

equities,commodities, insurance broking, to wealth advisory, portfolio management services,

personal finance services, Investment banking and institutional broking services. The services

are broadly clubbed across three key business verticals- Retail, Wealth management and the

Institutional spectrum. Religare Enterprises Limited is the holding company for all its businesses,

structured and being operated through various subsidiaries.

Religare’s retail network spreads across the length and breadth of the country with its presence

through more than 1,217 locations across more than 392 cities and towns. Having spread itself

fairly well across the country and with the promise of not resting on its laurels, it has also

aggressively started eyeing global geographies.

Religare Enterprises Limited (REL) is one of the leading integrated financial services groups of

India. REL’s businesses are broadly clubbed across three key verticals, the Retail Institutional

and Wealth spectrums, catering to a diverse and wide base of clients. The vision is to build

Religare as a globally trusted brand in the financial services domain and present it as the

„Investment Gateway of India‟.

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INDUSTRY PROFILE

Religare Finvest Limited (RFL), a 100% subsidiary of Religare Enterprises Limited (REL) is registered

with the Reserve Bank of India (RBI) as a Non-Banking Finance Company (NBFC) and is the lending arm

of REL.

RFL has adopted a strategy of lending on commercially earning assets through its three lines of business

i.e. Working Capital Loans, Loans against Property (LAP) and Loans on Commercial Assets (CA). It has

recently added Leasing and Third party products which help augment the bouquet of products and

strengthen the income-lines. The corporate advisory group of RFL also provides corporate, banking, and

financial institutional sector solutions to SMEs looking to expand their business.       

Major developments in equity brokerage industry in India

PRODUCTS AND SERVICES

LAP

Make your property unlock your dreams. Religare Finvest Limited offers you Loan

Against Property (LAP), a product that gives you the best and the most hassle-free way

to encash the hidden value of your residential or commercial property. We offer the

following products:

a) LAP - COMMERCIAL  

b) LAP - RESIDENTIAL  

c) LAP – INDUSTRIAL

COMPONENTS

Who can applyIndividuals or companies who own a residential, commercial or an industrial property and have stable

source of income.

Loan Against Property helps you meet all your business and personal needs, like:

Expansion of business

Consolidation of existing debts

Purchase of another property

Purchase of plant & machinery

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WHY RELIGARE FINVEST.

Attractive interest rates and tailor-made solutions to meet your requirements

Loan tenure extending 

upto 10 years

Legal and technical assistance and door step service

Easy documentation and faster processing

No charges on part pre-payment of 25% of principal outstanding*

* Applicable after 12 months from the date of disbursement

* Religare Floating Reference Rate is 18.75% effective 1st June 2011

COMMERCIAL VEHICLE LOANS

We at Religare Finvest Limited understand you and your business requirements.

Whether you are a first time buyer, a retail operator, a strategic operator or a captive user

requiring a vehicle/construction equipment for your business, we will be a partner to

your growth. We offer Commercial Vehicle Finance for the entire range of commercial

vehicles that include Light, Medium & Heavy Commercial Vehicles, Buses (inclusive of

passenger and school buses), Multi Utility Vehicles & Three Wheelers. With customized

loan solutions for buying new vehicles, availing loans on existing vehicles, or loans for

purchase of second-hand vehicles, we work towards meeting your financial needs to

help you grow.

Product Features

Loans for the entire range of new and used commercial vehicles

Loans are extended for chassis and body fabrication

We also provide top ups and balance transfer

Loans from 1 lac and above

Tenure upto 48 months

Religare Finvest Advantage

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Simplified documentation process

Attractive interest rates

Flexible repayment schemes

Exceptional personalized service

Quick turnaround time and speedy disbursal of loans

Presence in multiple locations ensures quick and easy 

access of funds

Useful for

Self Employed Traders

Manufacturers

Professional Proprietorships

Partnerships

Private Limited Firms

Public Limited Firms

Documents Needed

Application form with coloured photograph

Age Proof, Signature Proof, Identity Proof, Address Proof

Income Proof : a) 2 years’ audited financial Report  b) Balance Sheet, P&L Accounts, ITRs  c) Bank

Statement of latest 6 months

Repayment Tracks on other loans : 9 months track record

CONSTRUCTION EQUIPMENT FINANCE

Equipment financing is a powerful financial tool to help your business grow and thrive.

With the huge investment in urban and rural infrastructure in building IT parks, shopping

malls, highway networks, residential areas, roads, power, ports and irrigation etc., the

financing need of the business have increased. To meet the needs of industry and

market, Religare Finvest Limited extend loans for purchase of new and used

Construction Equipments like Excavators, Backhoe, Wheel Loaders, Tippers, Forklifts,

Compactors, Pavers, and all the earth moving, material handling equipments, etc.

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Product Features

Loans available for entire range of new and used construction equipments

We provide top ups and balance transfer

Get finance up to 100% of the cost of the equipment

Our product caters to all segments: First time buyers to strategic customers

Loans from 5 lakh and above

Loan tenure up to 48 months

Product Benefits

Flexible financing solutions to meet individual requirements

Quick and easy processing

Simplified documentation process

Exceptional service

Flexible repayment scheme

Competitive rate of interest

Suitable for

First time buyers

Small and large transport operators

Proprietorships

Partnerships

Private Limited Firms

Public Limited Firms

Documents Needed

Application form with coloured photograph

Age Proof, Signature Proof, Identity Proof, Address Proof

Income Proof : a) 2 years’ audited financial Report  b) Balance Sheet, P&L Accounts, ITRs  c) Bank

Statement of latest 6 months

Repayment Tracks on other loans : 9 months track record

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WORKING CAPITAL LOANS

Nurturing your dreams for an ever-growing business. At Religare Finvest Limited, we

understand the needs of new plant & machinery, inventory purchase, working capital &

business expansion for your thriving business. We fund the entire SME spectrum

covering Manufacturers, Wholesalers, Retailers, Exporters/ Importers and Self Employed

Professionals. With specialized products, simplified processes and documentation,

doorstep service delivery etc., we keep our customers at the centre of our universe

because we believe that in your success lies ours.

Loan Features

Secured and unsecured loans

Loans for business expansion, working capital loans

Loan against / for Plant & Machinery

Loans for 10 lakh and above

Tenure from 12 to 48 months

Benefits

Dedicated Relationship Managers

Quick and Easy Processing

Doorstep Service

Simplified Documentation

Attractive Rates

Flexible Repayments

Suitable for

Self Employed Professionals

Traders and Manufacturers

Proprietorship

Partnership

Private Limited Firms

Public Limited Firms

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Machine Categories

Injection Moulding Machines

Blow Moulding Machines

Diesel Generators

Boilers

Lathe Machines

Printing Machines

Medical Equipment (MRI / CT Scanners)

Hammers and Forging Equipment

Spinning and Rolling Machines

Loan Against / For Paintings

Documents Needed

Application form with coloured photograph

KYC (for company and promoters): Proof of Age, Signature, Identity and Address

Income Proof : a) 2 years’ audited financial Report  b) Balance Sheet, P&L Accounts, ITRs  c) Bank

Statement of last 6 months

Repayment Tracks on other loans : 9 months track record

CAPITAL MARKET LOANS

Long term investment being sold for liquidity needs? Religare has a better solution for you. The capacity

of your investment to capitalize your wealth: LAS

LOAN AGAINST SECURITIES from RFL allows you to envisage the power of your financial assets and

earn all investment benefits. This gives you the option for immediate liquidity without selling the financial

assets and further multiplying your investments. The product can be availed by depositing the shares as

collaterals with the financer, thus, leveraging your investments.

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Available through Religare's wide retail network in more than 1837 locations across 498 towns and cities,

this comes with unlimited benefits like:

Interest charged only on the utilized amount

Low Processing charge & Rate of Interest

Exhaustive list of approved securities

Eligibility

Only residents between the age of 18 and 75 years can apply

Limited Companies, Partnership firms, Sole Proprietors and Hindu Undivided Families (HUF’s) are also

eligible

Loan only against approved scrip's

Application Processing

Few easy steps towards:

Filling of the Application Form & execution of a Loan Agreement

Opening of a PoA* Bank account

Opening of a PoA* Demat account

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STRUCTURE

RELIGARE ENTERPRISES LIMITED

Religare AMC Limited

Asset Management Business

Portfolio Management

AEGON Religare Life Insurance Co. Ltd.

Life Insurance Company, JV with Aegon(26%), 

Religare(44%), and Bennett & Coleman(30%)

Religare Macquarie Wealth Mgmt. Ltd.

JV with Macquarie for Wealth Management Business

Religare Securities Limited

Retail Equity Broking

Online Investment Portal

Depository Services

Religare Commodities Limited

Commodity Broking Business

Religare Capital Markets Limited

PE and M&A Advisory

Institutional Broking

Investment Banking

Religare Finvest Limited

Lending and Distribution business

Religare Insurance Broking Limited

Life Insurance Broking Business

Non-Life Insurance Broking Business

Religare Arts Initiative Limited

Business of Art

Art Gallery

Art Advisory

Religare Venture Capital Limited

Private Equity and Investment Manager

Vistaar Religare Capital Advisors Ltd.

JV with Vistaar Entertainment Ventures for film

fund

India's first ever film fund

Religare - Milestone

JV with Milestone Capital to manage a

healthcare and education fund

Religare Finance Ltd.

Capital Market Financing

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BRAND IDENTIFY

Symbol

The Religare name is paired with the symbol of a four-leaf clover. Traditionally, it is considered good

fortune to find a four-leaf clover as there is only one four-leaf clover for every 10,000 three-leaf clovers

found.

For us, each leaf of the clover has a special meaning. It is a symbol of Hope. Trust. Care. Good Fortune.

For the world, it is the symbol of Religare.

The first leaf of the clover represents Hope. The aspirations to succeed. The dream of

becoming. Of new possibilities. It is the beginning of every step and the foundation on which

a person reaches for the stars.

The second leaf of the clover represents Trust. The ability to place one’s own faith in another.

To have a relationship as partners in a team. To accomplish a given goal with the balance that

brings satisfaction to all, not in the binding, but in the bond that is built.

The third leaf of the clover represents Care. The secret ingredient that is the cement in every

relationship. The truth of feeling that underlines sincerity and the triumph of diligence in

every aspect. From it springs true warmth of service and the ability to adapt to evolving

environments with consideration to all.

The fourth and final leaf of the clover represents Good Fortune. Signifying that rare ability to

meld opportunity and planning with circumstance to generate those often looked for

remunerative moments of success.

Hope. Trust. Care. Good Fortune. All elements perfectly combine in the emblematic and

rare, four-leaf clover to visually symbolize the values that bind together and form the core of

the Religare vision.

STOCKS UNDER NIFTY

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There are 50 stocks in NSE

ABB LTD., ELECTRICAL EQUIPMENT

ACC LTD., CEMENT AND CEMENT PRODUCTS

AMBUJA CEMENTS LTD., CEMENT AND CEMENT

PRODUCTS

AXIS BANK LTD., BANKS, AXIS BANK,

BHARAT HEAVY ELECTRICALS LTD., ELECTRICAL

EQUIPMENT, BHEL,

BHARAT PETROLEUM CORPORATION

LTD.,REFINERIES,BPCL,

BHARTI AIRTEL LTD.,TELECOMMUNICATION

SERVICES, BHARTIARTL,

CAIRN INDIA LTD.,OIL

EXPLORATION/PRODUCTION,CAIRN,

CIPLA LTD.,PHARMACEUTICALS,CIPLA,

DLF LTD.,CONSTRUCTION,DLF,

GAIL (INDIA) LTD.,GAS,GAIL,

GRASIM INDUSTRIES LTD., CEMENT AND CEMENT

PRODUCTS, GRASIM,

HCL TECHNOLOGIES LTD.,COMPUTERS

SOFTWARE, HCLTECH,

HDFC BANK LTD.,BANKS,HDFCBANK,

HERO HONDA MOTORS LTD.,AUTOMOBILES

WHEELERS, HEROHONDA,

HINDALCO INDUSTRIES LTD.,ALUMINIUM,HINDALCO,

HINDUSTAN UNILEVER LTD.,DIVERSIFIED,HINDUNILVR,

HOUSING DEVELOPMENT FINANCE CORPORATION LTD.,FINANCE

HOUSING, HDFC,

I T C LTD.,CIGARETTES,ITC,

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ICICI BANK LTD.,BANKS,ICICIBANK,

IDEA CELLULAR LTD.,TELECOMMUNICATION

SERVICES, IDEA,

INFOSYS TECHNOLOGIES LTD.,COMPUTERS -

SOFTWARE, INFOSYSTCH,

LARSEN & TOUBRO LTD.,ENGINEERING,LT,

MAHINDRA & MAHINDRA LTD.,AUTOMOBILES WHEELERS,

MARUTI SUZUKI INDIA LTD.,AUTOMOBILES WHEELERS,MARUTI,

NTPC LTD.,POWER,NTPC,

NATIONAL ALUMINIUM CO. LTD.,

OIL & NATURAL GAS CORPORATION LTD.,OIL

EXPLORATION/PRODUCTION, ONGC,

POWER GRID CORPORATION OF INDIA

LTD.,POWER,POWERGRID,

PUNJAB NATIONAL BANK,BANKS,PNB

RANBAXY LABORATORIES

LTD.,PHARMACEUTICALS,RANBAXY

RELIANCE CAPITAL LTD.,FINANCE,RELCAPITAL

RELIANCE COMMUNICATIONS LTD.,TELECOMMUNICATION -

SERVICES, RCOM

RELIANCE INDUSTRIES LTD.,REFINERIES,RELIANCE

RELIANCE INFRASTRUCTURE LTD.,POWER,RELINFRA

RELIANCE PETROLEUM LTD.,REFINERIES,RPL,

RELIANCE POWER LTD.,POWER,RPOWER,

SIEMENS LTD.,ELECTRICAL EQUIPMENT,SIEMENS

STATE BANK OF INDIA,BANKS,SBIN

STEEL AUTHORITY OF INDIA LTD.,STEEL AND STEEL

PRODUCTS, SAIL

STERLITE INDUSTRIES (INDIA) LTD.,METALS,STER

SUN PHARMACEUTICAL INDUSTRIES

LTD.,PHARMACEUTICALS,SUNPHARMA

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SUZLON ENERGY LTD.,ELECTRICAL EQUIPMENT,SUZLON

TATA COMMUNICATIONS LTD.,TELECOMMUNICATION -

SERVICES, TATACOMM

TATA CONSULTANCY SERVICES LTD.,COMPUTERS

SOFTWARE, TCS

TATA MOTORS LTD.,AUTOMOBILES

WHEELERS, TATAMOTORS

TATA POWER CO. LTD.,POWER,TATAPOWER

TATA STEEL LTD.,STEEL AND STEEL

PRODUCTS, TATASTEEL

UNITECH LTD.,CONSTRUCTION,UNITECH

WIPRO LTD.,COMPUTERS - SOFTWARE,WIPRO

ZEE ENTERTAINMENT ENTERPRISES LTD. MEDIA & ENTERTAINMENT

BOMBAY STOCK EXCHANGE (BSE)

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There are 30 stocks under (BSE)

ACC LTD. CEMENT AND CEMENT PRODUCTS

AMBUJA CEMENTS LTD. CEMENT AND CEMENT PRODUCTS

BAJAJ AUTO LTD. AUTOMOBILES - 2 AND 3 WHEELERS

BHARAT HEAVY ELECTRICALS LTD. ELECTRICAL EQUIPMENT

BHARTI AIRTEL LTD. TELECOMMUNICATION - SERVICES

CIPLA LTD. PHARMACEUTICALS

DLF LTD. DEVELOPERS/CONSTRUCTION

GRASIM INDUSTRIES LTD. DIVERSIFIED

HOUSING DEVELOPMENT FINANCE CORPORATION LTD. FINANCE - HOUSING

HDFC BANK LTD. BANKS

HINDALCO INDUSTRIES LTD. ALUMINIUM

HINDUSTAN UNILEVER LTD. FMCG

ICICI BANK LTD. BANKS

INFOSYS TECHNOLOGIES LTD. INFORMATION TECHNOLOGY

ITC LTD. FMCG

LARSEN & TOUBRO LTD. ENGINEERING

MAHINDRA & MAHINDRA LTD. AUTOMOBILES - 4 WHEELERS

MARUTI UDYOG LTD. AUTOMOBILES - 4 WHEELERS

NTPC LTD. POWER

OIL & NATURAL GAS CORPORATION LTD. OIL EXPLORATION/PRODUCTION

RANBAXY LABORATORIES LTD. PHARMACEUTICALS

RELIANCE COMMUNICATIONS LIMITED TELECOM

RELIANCE ENERGY LTD. POWER

RELIANCE INDUSTRIES LTD. REFINERIES

SATYAM COMPUTER SERVICES LTD. COMPUTERS - SOFTWARE

STATE BANK OF INDIA BANKS

TATA CONSULTANCY SERVICES LTD. COMPUTERS – SOFTWAR

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RESEARCH METHODOLOGY

Research Design:

Research design means adopting that type technique of research which is most suited for the

research and study of the problem. For the study and the research of the problem proper material

has to be selected and collected for the investigation.

“A research design is the arrangement of conditions for collection and analysis of data in a

manner that aims to combine relevance to the research purpose with economy in procedure.”

- Jahoda, deutish. Cook.

In order to know about effectiveness of stock and commodities in Religare Securities Ltd., it was

necessary to interact with the customer. The sample taken comprised of respondents from

Kolkata city. A questionnaire had to be designed to collect valuable information from the

different customer groups. The questionnaire which was designed suitably to meet the objective

of research work.

Nature of Research:

In this project report I have undertaken quantitative type of study.

Type of the questions:

The questions in the questionnaire asked to the visiting customers of Religare Securities Ltd,

Regional office in Kolkata, are Straight Forward and Limited Probing.

Type of the Questionnaire:

The questionnaire in this project report is straight forward and formalized.

Type of Analysis:

The analysis done in this particular project report is statistical

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Reliance Industries

BSE: 500325 | NSE: RELIANCE | ISIN: INE002A0101

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ICICI Bank

BSE: 532174 | NSE: ICICIBANK | ISIN: INE090A01013

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Blue Dart Express

BSE: 526612 | NSE: BLUEDART | ISIN: INE233B01017

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Ads by Google

Punjab National Bank

BSE: 532461 | NSE: PNB | ISIN: INE160A01014

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Ads by Google

Bharti Airtel

BSE: 532454 | NSE: BHARTIARTL | ISIN: INE397D01024

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Ambuja Cements

BSE: 500425 | NSE: AMBUJACEM | ISIN: INE079A01024

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ITC

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BSE: 500875 | NSE: ITC | ISIN: INE154A01025

Appendix

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I. Copy of questionnaire

II. Bibliography

QUESTIONNAIRE

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1. Name: ________________________________________________

2. Contact No: ________________________________________________

3. Occupation:

Businessman Proprietor

HNI Individual

4. Income Group (Annual):

10000 - 1 Lakh 1 Lakh - 5 Lakh

5 Lakh-10 Lakh 10 Lakh - Above

5. How do you find Company Interaction via Email and Telephone Calls?

Poor Fair

Good Very Good

6. Do you find company’s investment tips useful and beneficial?

Yes No

Can’t Say

7. Where do you rate Religare on the scale of 10 in terms of Services?

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4 6

8 10

8. Where do you invest/ trade mostly?

Equity Commodity

Currency

9. Where do you trade mostly?

Intraday trading Delivery Trading

10. Do you trade in any other broking firm?

Yes No

If yes, name of the broking firm__________________________________

11. Are you satisfied with the services provided by Religare?

Yes No

Since last how many years you are in field of trading?

Less than 1 Year More Than 1 Year

More than 5 Year

12. What improvement do you want be done in company’s services?

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____________________________________________________________________________

______________________________________________________________________________

__________________

13. Which service do you like most in Religare?

____________________________________________________________________________

______________________________________________________________________________

__________________

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CONCLUSION

Summer Internships has given a lot of scope and practical experiences from the on the job

culture to theoretical implications at the different levels. There is a great learning in this field.In

the current scenario, investing is very important and investing in stock markets is a major

challenge ever for professionals. The young people should start investing earlier so that they can

reap the benefits of investing in future.

People should keep their eyes open and keep updating themselves about various investment

avenues, so that they can get safe returns.

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Bibliography

Websites =

http://deadpresident.blogspot.com

http://religareonline.com

http://www.religarefinvest.com

Newspapers =

The Economics times

Books=

Marketing Research by G C Beri- third edition – © 2000, Tata McGraw-

Hill Publishing Company Ltd.

Investment Management- V.K. Bhalla.