Reliance Money PMS

AProject Report

OnInvestors perception towards Equity

Market andPMS of Reliance Money

For the Partial fulfillment of

The requirement

Of Master of Business Administration

Submitted by

Shailendra Banjari

MBA III semester

Under the guidance of

Mr. Sameer khan

(Cluster head reliance money - Bhopal)

&

Mr. Chetan Nigam

(Centre manager reliance money,

Bhopal)

Prof.Owais QureshiIPER - BHOPAL 1

Institute of professional education & research (Iper)

(Barkatullah university, Bhopal)(Year: 2008)

A c k n o w l e d g e m e n t

A fruitful work is incomplete without paying a word of

thanks to all the people who are directly or indirectly

involved in its completion.

I wish to express my heartfelt appreciation to

many who have contributed to this project both explicitly

and implicitly. Words can never express the extent of

indebt ness, but I still wish to express my deep sense of

gratitude to all the people for their valuable time and co-

operation, which they had given me.

Special thanks goes to Prof. Owais Qureshi,

MBA Department for taking the time and effort to review

such extensive and complex material and for providing

reaction and recommendation for improvement and to

Mr. Sameer khan the cluster head of Reliance Money

Bhopal branch and Mr. Chetan Nigam the Centre Manager

Reliance Money, Bhopal who helped me in my project

work.

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I also thank all my professors who helped me

during the project, and last but not the least to my

classmates, who despite their own project have helped in

my project as and when they could.

Shailendra Banjari

P r e f a c e

The research provides an opportunity to a student to

demonstrate application of his/her knowledge, skill and

competencies required during the technical session.

Research also helps the student to devote his/her skill to

analyze the problem to suggest alternative solution, to

IPER - BHOPAL 3

evaluate them and to provide feasible recommendation

on the provided data.

The research is on the topic of “Investors Perception

towards Equity Market and PMS of Reliance Money “,

although I have tried my level best to prepare this report.

An error free reports every effort has been made to offer

the most authenticated position with accuracy.

D e c l a r a t i o n

I hereby declare that the following documented project

report titled “Investors Perception towards Equity Market

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and PMS Of Reliance Money “is an authentic work done

by me.

The study was undertaken as a part of the course

curriculum of MBA full time program of Barkatullah

University, Bhopal.

SHAILENDRA BANJARI

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CONCEPTUAL OVERVIEW

INTRODUCTION

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Satisfaction is a function of perceived performance and expectations. If the performance

matches the expectations, the customer is satisfied.

Portfolio (finance), a collection of investments held by an institution or a private

individual. Holding a portfolio is often part of an investment and risk-limiting strategy

called diversification. By owning several assets, certain types of risk (in particular

specific risk) can be reduced. There are also portfolios which are aimed at taking high

risks - these are called concentrated portfolios.

Investment management is the professional management of various securities (shares,

bonds etc) and other assets (e.g. real estate), to meet specified investment goals for the

benefit of the investors. Investors may be institutions (insurance companies, pension

funds, corporations etc.) or private investors (both directly via investment contracts and

more commonly via collective investment schemes e.g. mutual funds).

The term asset management is often used to refer to the investment management of

collective investments, whilst the more generic fund management may refer to all forms

of institutional investment as well as investment management for private investors.

Investment managers who specialize in advisory or discretionary management on behalf

of (normally wealthy) private investors may often refer to their services as wealth

management or portfolio management often within the context of so-called "private

banking".

The provision of 'investment management services' includes elements of financial

analysis, asset selection, stock selection, plan implementation and ongoing monitoring of

investments.

Outside of the financial industry, the term "investment management" is often applied to

investments other than financial instruments. Investments are often meant to include

projects, brands, patents and many things other than stocks and bonds. Even in this case,

the term implies that rigorous financial and economic analysis methods are used. Applied

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Information Economics is one approach developed to apply statistically and economically

sound optimization methods to portfolios of other types of investments.

Investment management is a large and important global industry in its own right

responsible for caretaking of trillions of dollars, euro, pounds and yen. Coming under the

remit of financial services many of the world's largest companies are at least in part

investment managers and employ millions of staff and create billions in revenue.

Fund manager (or investment advisor in the U.S.) refers to both a firm that provides

investment management services and an individual(s) who directs 'fund management'

decisions.

Industry scope

The business of investment management has several facets, including the employment of

professional fund managers, research (of individual assets and asset classes), dealing,

settlement, marketing, internal auditing, and the preparation of reports for clients. The

largest financial fund managers are firms that exhibit all the complexity their size

demands. Apart from the people who bring in the money (marketers) and the people who

direct investment (the fund managers), there are compliance staff (to ensure accord with

legislative and regulatory constraints), internal auditors of various kinds (to examine

internal systems and controls), financial controllers (to account for the institutions' own

money and costs), computer experts, and "back office" employees (to track and record

transactions and fund valuations for up to thousands of clients per institution).

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RESEARCH

METHODOLOGY

2.0 RESEARCH METHODOLOGY

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2.1 OBJECTIVES OF THE STUDY

To compare the Portfolio Management Services of reliance Money Ltd.

To know the investors view towards the Portfolio Management Services.

To know the need of investors.

2.2 METHODOLOGY

The Research is Exploratory Research. In the present Research I have collected data

through Survey of 100 respondents

2.3 SAMPLE SIZERandom Samples are collected from 100 respondents to draw a meaningful conclusion.

2.4 TOOLS OF ANALYSIS

I have used Questionnaire Method. The Data collected is shown through Graphs and Pie

Charts.

I have also used some software like Word and Excel to make this project.

2.5 LIMITATIONS

The respondents were limited and cannot be treated as the whole population.

The respondents may be biased.

Time was the major constraint.

The accuracy of indications given by the respondents may not be consider adequate

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COMPANY PROFILE

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A Reliance Capital Company

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COMPANY PROFILE

Reliance Capital Ltd is a part of the Reliance - Anil Dhirubhai Ambani Group, and is ranked

among the 25 most valuable private companies in India. Reliance Capital is one of India's

leading and fastest growing private sector financial services companies, and ranks among the top

3 private sector financial services and banking groups, in terms of net worth.Reliance Capital has

interests in asset management and mutual funds, life and general insurance, private equity and

proprietary investments, stock broking, depository services, distribution of financial products,

consumer finance and other activities in financial services.

The Reliance Anil Dhirubhai Ambani Group is one of India's top 2 business houses, and has a

market capitalization of over Rs.2,90,000 crore (US$ 75 billion), net worth in excess of

Rs.55,000 crore (US$ 14 billion), cash flows of Rs. 11,000 crore (US$ 2.8 billion) and net profit

of Rs. 7,700 crore (US$ 1.9 billion)

RELIANCE CAPITAL COMPANY OUTLINE

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RELIANCECAPITAL

RELIANCEMONEY

RELIANCELIFE

INSURNACE

RELIANCEGENERAL

INSURANCE

RELIANCEMUTUAL FUNDS

RELIANCEMUTUAL FUNDS

Reliance Money

Reliance Money is a group company of Reliance Capital; one of India's leading and fastest

growing private sector financial services companies, ranking among the top 3 private sector

financial services and banking companies, in terms of net worth. Reliance Capital is a part of the

Reliance Anil Dhirubhai Ambani Group.

Reliance Money is a comprehensive electronic transaction platform offering a wide range of

asset classes. Its endeavour is to change the way India transacts in financial markets and avails

financial services. Reliance Money is a single window, enabling you to access, amongst others in

Equities, Equity & Commodities Derivatives, Mutual Funds, IPOs, Life & General Insurance

products, Offshore Investments, Money Transfer, Money Changing and Credit Cards.

ORGANIZATION HIERARCHY

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RELIANCE MONEY

(Head Office Mumbai)

BHOPAL BRANCH

Cluster Head

Centre Manager

Business Development

Executives

VISION STATEMENT

To be globally respected wealth creator with an emphasis on customers care and a culture of

good corportate governance.

MISSION

To Create and nurture a world class, high performance environment aimed at delighting our

customers.

CONCEPT BEHIND Reliance Money

Reliance Money provides a comprehensive platform, offering an investment avenue for a wide

range of asset classes. Its Endeavour is to change the way India transacts in financial markets and

avails financial services.

Reliance Money offers a single window facility, enabling you to access, amongst others. Equity,

Equity and Commodity Derivatives Offshore Investments, IPO’s, Mutual Funds, Life Insurance

& General Insurance Products.

Why Reliance Money?

Reliance Money is the most cost-effective, convenient and secure way to transact in a wide range

of financial products and services.

The highlights of Reliance Money’s offering are:

Cost-effective: The fee charged by the affiliates of Reliance Money, through whom the

transactions can be placed, is among the lowest charged in the present scenario. As an

introductory offer, pay a flat fee of just Rs. 500/- valid for 2 months or specified transactional

value*.

Convenience: You have the flexibility to access Reliance Money services in multiple ways:

through the Internet, Transaction Kiosks, Call & Transact (Phone) or seek assistance through our

Business Partners.

Security: Reliance Money provides secure access through an electronic token that flashes a

unique security number every 32 seconds (and ensures that the number used for the earlier

transaction is discarded). This number works as a third level password that keeps you account

extra safe.

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Single window for multiple products: Reliance Money, through its affiliates/partners, facilitates

transactions in Equity, Equity & Commodity Derivatives, Offshore Investments**, Mutual

Funds, IPO’s. Life Insurance and General Insurance products.

3 in 1 integrated access: Reliance Money offers integrated access to your banking, trading and

demat account. You can transact without the hassle of writing cheques.

Demat Account with Reliance Capital: Through Reliance Money, you get a hassle-free demat

account with Reliance Capital. The Annual Maintenance Charge for the Demat Account is just

Rs. 50/- per annum.

Other Services:

# through the portal www.reliancemoney.com, reliance Money provides:

Reliable research, including views of external experts with an enviable track record.

Live news from Reuters and Dow Jones.

CEOs’ / experts’ views on the economy and financial markets.

The Personal Finance section provides tools that helps you plan your investments,

retirement, tax, etc.

Analyse your risk profile through the Risk Analyser.

Get a suitable investment portfolio using the Asset Allocator

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Requirements for opening D-MAT cum trading account with Reliance Money :

1. pan card copy

2. add proof/ tell bill/ e- bill/ voter id/ bank pass book/ passport

3. cancelled cheques of ICICI/ IDBI/HDFC/AXIS the company accepts the cheques of other

banks also but it will take the time of 3-4days because the company has the tie ups with

these banks only

4. payment cheques: (for opening the account initial charges) for people who are in the

corporate list Rs 500 for clients not in the corporate list Rs 750

Brokerage card:

500 for 2 months 1 crore (90 lakh for intra trade & 10 lakh for delivery)

1350 for 6 months 3 crores (2.70 lakh for intra trade & .30 lakh for delivery)

2500 for 12 months 6 crore (5.40 lakh for intra day & .60 lakh for delivery)

PR 500 for 12 months with the limit of 5 lakhs (both intraday & delivery)

Secured log in with reliance money:

Unique user id (different for each & every client)

User password (which you need to change every 15 days)

Security key (which changes in every 32 seconds and generate numbers randomly)

Brokerage:

Reliance money is working on the zero brokerage concept, because of which education

cess as well as service tax will be NIL.

As per the SEBI guidelines any brokerage company can't charge zero brokerage so it

charges 0.01% of brokerage in the name of transaction cost.

Other than this the security transaction tax (STT) is also being charged @

On Delivery: 0.125% On Intra day: 0.0125%

Other than this holding charges are also being charged on sale of securities @Rs 12 on

1 Scrip & 1 Order (irrespective of the fact as to how much big be the value of the

complete order).

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Comparison of reliance money's facilities & charges with other companies DMAT

account facilities and charges is being shown in the following excel sheet.

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THE BENEFITS

A safe and convenient way to hold securities;

Immediate transfer of securities;

No stamp duty on transfer of securities;

Elimination of risks associated with physical certificates such as bad delivery, fake

securities, delays, thefts etc.;

Reduction in paperwork involved in transfer of securities;

Reduction in transaction cost;

No odd lot problem, even one share can be sold;

Nomination facility;

Change in address recorded with DP gets registered with all companies in which investor

holds securities electronically eliminating the need to correspond with each of them

separately;

Transmission of securities is done by DP eliminating correspondence with companies;

Automatic credit into demat account of shares, arising out of

bonus/split/consolidation/merger etc.

Holding investments in equity and debt instruments in a single account.

Reduce brokerage charges.

Enables quick ownership of securities on settlement resulting in increased liquidity,

Avoids confusion in the ownership title of securities

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Provides easy receipt of public issue allotments.

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Reliance Money

BROKERAGE

ONLINE OFFLINE

RECHARGE VOUCHER RECHARGE VOUCHER + FRANCHISEE FEE

FRANCHISEE FEE RS. 15/ TRANSACTION

Reliance has the concept of Recharge Vouchers

RECHARGE VOUCHER:Rs. 500 12 Month 5 Lac Limit

Rs. 500 2 Months 1 Crore



Account Opening Charges :

For Regular Customers : Rs. 750.00

For Govt. Employees / Corporate : Rs. 500.00

Offer:

One Year Trading Account Fee by Reliance of Rs. 500.00 & 12 Months. Validity / 5 Lacs.

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PORTFOLIO MANAGEMENT SERVICES (PMS)

Reliance Money Limited is one of the fastest-growing Stock Broking companies in India, which

also offers Commodity Broking, Distribution of Mutual Funds, Insurance, Offshore investments,

Equity Advisory services, Money Changing, Money Transfer and Gold Coin Retailing, As

Portfolio Managers, it is our endeavor that every portfolio created by us is reflective of the

values on which Reliance Money has been built - a commitment towards transparency and a

strong research - driven investment process.

While your personal portfolio reflects your investment style and profile, managing it requires

considerable time and effort. Anticipating & analysing market movements, financial statements

and studying macro-economic variables is becoming increasingly complex. As you may not have

the required time and expertise to manage your investments, under Portfolio Management

Sevices, you delegate the responsibility of managing your portfolio to our team of specialists

who understand your investment objectives. Our team of Portfolio Managers, Research Analysts

and Relationship Managers are working continuously to create and actively manage your

portfolio to provide you the best returns in the fast-changing market dynamics.

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BENEFITS OF PMS

Flexibility

Efficient switch between cash & equities.

Focused portfolio of select stocks / sector concentrations.

Professional management with the objective of delivering consistent long-term

performance while controlling risks.

Hassle Free Operation

PMS offers customized services, which take care of all the administrative aspects of the

client's portfolio, with periodic reporting.

Transparency

Clients get regular statements and updates on their investments.

Web-enabled access ensures that the client is just a click away from all information

related to his/her investments (i.e. securities one holds, cost & current value, securities

purchased & sold, dividends received, performance of portfolio, market commentary,

etc).

Customized advise that suits individual requirements helps achieve the desired financial

& investment objectives.

Easy access to dedicated Relationship Managers / Financial Advisors through whom the

client can interact with Fund Managers and discuss concerns / feedback on his/her

portfolio.

The Portfolio Manager will provide audited statement of accounts at the end of financial

year to help the client assess the tax liabilities on his/her portfolio, including Capital

Gains report. (The PMS provider is a trustee acting in a fiduciary capacity on behalf of

the investor. Therefore, the tax liability for a PMS investor would remain the same as if

the investor is accessing the capital market directly).

Reliance Money endeavors to deliver competitive returns through a diligent fund

management framework, supported by rigorous analysis and a proven investment

methodology,

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INVESTMENT OBJECTIVE

Generate capital appreciation in medium to long term through investments in equities and equity

related instruments comprising predominantly large cap companies, This scheme will be

benchmarked to the Nifty 50 stocks.

INVESTMENT STRATEGY

Reliance Money follow a robust and disciplined investment process and endeavor

consistently to generate absolute returns over a long term,

Reliance Money believe in active management of portfolios, leading to higher returns

and our regular reviews of portfolios help in better risk management, to ensure

consistently better performance.

An efficient asset allocation with flexibility to apportion 100% cash and use the cash to

grab market opportunities when they arise,

Selective use of derivatives as an investment tool for hedging and portfolio re-balancing.

Reliance Money research team has the capability to value companies on the basis of their

current and future potential, which helps us in generating better & consistent returns,

Invest in a relatively concentrated portfolio of not more than 15-20 stocks, which our

experts believe to be excellent picks,

PARAMETERS DRIVING INVESTMENT DECISION

The portfolio strives at all times to achieve an overall 70% allocation to large cap companies.

Again the portfolio will limit the exposure to any sector to be less than 25% of the portfolio size

and to any scrip to be less than 1 0%,

1. An open-ended scheme with no lock-in period, no exit load

2. Maximise post tax returns by concentrating on long-term gains & low churning of

portfolio

3. Fixed and Performance based fee structure

4. Funds managed on a Pool basis

5. Custody S. Fund Accounting to be done by Deutsche Bank

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INVESTMENT CONSIDERATIONS

Figure 1

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INVESTMENT PROCESS

Figure 2

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Understanding Customers Investment requirements

Identifying Companies with Growth dynamics (Earnings &

Business)

Evaluation by qualitative & quantitative methods &

Selection of stock

Dynamic Portfolio ConstructionFollowing portfolio objectives

Investments and Continuous Review process

Continuously identifying new opportunities

SYSTEMS & PROCESSES

Reliance Money Operations team takes care of the systems, MIS & related back office activity.

The account details and portfolio valuation can be viewed on our website with the help of a

special user id and password, which is provided for each client.

Deutsche Bank has been appointed as Custodian & Fund Accountant. The banking, accounting,

settlement & clearing operations will be done by Deutsche Bank AG, thereby providing total

transparency to the whole system.

Reliance Money have a dedicated team of Advisors, Relationship Managers and Operations

team, whom you can contact for any specific information related to your investment.

PRICING FEATURES

Type Processing

(Upfront)

Management Fee Performance Brokerage

Fixed fee 1.50% 3% p.a Nil 0.15%

Performance 1.50% 1 % p.a. Returns Upto 8% - NIL 0.15%

Based fee 8%-1 5% -

>15% -

10%

20%

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DATA ANALYSIS

&

INTERPRETATION

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DATA ANALYSIS

Q1. Do you invest Your Money to grow?

Options Percentage of Respondents

Yes 88

No 12

Interpretation :

88% of the respondents say yes they invest there money to grow. This is because the

respondents who’s income is above 10000 are investing their money to grow.

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Q2. Where do you invest?


Mutual Funds 30

Shares 20

Commodity Market 6

Fixed Deposits 22

Bonds 16

Property 4

Others 2

Interpretation:

Most of the respondents invest there money in Fixed Deposits, Mutual Funds and Share

Market only 6% of the respondents invest there money in Commodity Market. Most of

the respondents Mutual Funds and Fixed Deposits because they don’t have to manage

their investment.

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Q3. From which option you will get the best returns?


Mutual Funds 20

Shares 22

Commodity Market 16

Fixed Deposits 18

Bonds 8

Property 14

Others 2

Interpretation:

Most of the respondents say they will get more returns in Share Market. Since Share

Market is said to be the best place to invest to get more returns. The risk in the

investment is also high.

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Q4. Why you have not invested in Share Market?


Risk 42

Lack of Knowledge 38

Return Factor 20

Interpretation:

Most of the respondents say there is more risk in shares. Risk is the most important factor

that people don’t want to take for their money.

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Q5. What would you like more?


More benefits 22

More security 62

Others, Please specify 16

Interpretation:

22% of the respondents say they get more benefits, 62% of the respondents say they

would like more security. Most of the respondents are service class people hence they

want more security for their money.

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Q6. If you invested in Share market, what has been Your experience ?


Satisfactory returns received 20

Burned fingers 8

Unsatisfactory results 6

No 66

Interpretation:

20% of the respondents have invested in Share market and received satisfactory returns,

66% of the respondents have not at all invested in Share Market. Some of the investors

face problems due to less knowledge about the market. Some of the respondents don’t

have complete overview of the happenings and invest their money in wrong shares which

result in Loss. This is the reason most of the respondents prefer Portfolio Management

Services to trade.

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Q7. How do you trade in Share Market?


Hedging 24

Speculation 40

Investment 36

Interpretation:

24% of the respondents go for hedging & 40% go for investment.

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Q8. How do you manage your portfolio?


Self 66

Depends on the company for Portfolio

Management

34

Interpretation:

66% of the respondents say they themselves manage their portfolio and 34% of the

respondents say they depends on the security company for portfolio Management. 34% of

the respondents prefer PMS of the company because they don’t have to keep a close eye

on their investment.

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Q9. If you trade with Reliance Money, then why?


Services 20

Investment Tips are good 12

Brokerage 38

Research 30

Interpretation:

30% of the respondents say they trade with Reliance Money because of their research and

38% of the respondents say they trade with Reliance Money because of Brokerage

charges, 20% respondent’s trade with Reliance Money because of its services.

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Q10. Are you using PMS of Reliance Money?


Yes 36

No 64

Interpretation:

36% of the respondents are using PMS of Reliance Money because of their trust and

research.

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Q11. What was your experience about Portfolio Management Services of Reliance

Money?


Earned Profit 52

Faced Loss 18

No Profit No Loss Situation 30

Interpr

etation:

52% of the respondents say that they have earned Profit through the portfolio

management services of Reliance Money.

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Q12. Does the Reliance Money keep its process transparent?


Yes 66

No 34

Interpretation :

66% of the respondents say that Reliance Money keeps its process transparent because

they inform the customers about the changes in the market.

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Q13. Do you recommend Portfolio management services of Reliance Money to others ?


Yes 92

No 8

Interpretation :

92% of the respondents say yes they recommend Reliance Money to others.

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OBSERVATIONS

&

FINDINGS

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OBSERVATIONS & FINDINGS

88% of the respondents say yes they invest there money to grow. This is because

the respondents who's income is above 10000 are investing their money to grow.

Most of the respondents invest there money in Fixed Deposits, Mutual Funds and

Share Market only 6% of the respondents invest there money in Commodity

Market. Most of the respondents Mutual Funds and Fixed Deposits because they

don't have to manage their investment.

Most of the respondents say they will get more returns in Share Market. Since

Share Market is said to be the best place to invest to get more returns. The risk in

the investment is also high.

Most of the respondents say there is more risk in shares. Risk is the most

important factor that people don't want to take for their money.

22% of the respondents say they get more benefits, 62% of the respondents say

they would like more security. Most of the respondents are service class people

hence they want more security for their money.

20% of the respondents have invested in Share market and received satisfactory

returns, 66% of the respondents have not at all invested in Share Market. Some of

the investors face problems due to less knowledge about the market. Some of the

respondents don't have complete overview of the happenings and invest their

money in wrong shares which result in Loss. This is the reason most of the

respondents prefer Portfolio Management Services to trade.

24% of the respondents go for hedging & 40% go for investment.

66% of the respondents say they themselves manage their portfolio and 34% of

the respondents say they depends on the security company for portfolio

Management. 34% of the respondents prefer PMS of the company because they

don't have to keep a close eye on their investment.

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30% of the respondents say they trade with Reliance Money because of their

research and 38% of the respondents say they trade with Reliance Money because

of Brokerage charges, 20% respondents trade with Reliance Money because of its

services.

36% of the respondents are using PMS of Reliance Money because of their trust

and research.

52% of the respondents say that they have earned Profit through the portfolio

management services of Reliance Money.

66% of the respondents say that Reliance Money keeps its process transparent

because they inform the customers about the changes in the market.

92% of the respondents say yes they recommend Reliance Money to others.

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CONCLUSION

&

SUGGESTIONS

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CONCLUSIONS

Reliance Money Pvt. Ltd has better Portfolio Management services than Other

Companies

Reliance Money Pvt. Ltd keep its process more transparent.

Reliance Money Pvt. Ltd is giving more returns to its investors.

Reliance Money charges are less than other portfolio Management Services.

Reliance Money is providing daily updates about the stocks information.

Investors are looking for those investment options where they get maximum

returns with less returns.

Market is becoming complex & it means that the individual investor will not have

the time to play stock game on his own.

People are less aware about the Portfolio Management Services of Reliance Money.

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SUGGESTIONS

Investors must be made more aware about the services of the Reliance Money

Investors must feel safe about their money invested.

Investors accounts must be more transparent as compared to other companies.

Reliance Money must try to promote its Portfolio Management Services through

Advertisements.

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BIBLIOGRAPHY

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BIBLIOGRAPHY

Books:

Kotler, Philip. (1999):’Marketing Management’ Prentice Hall Of India Pvt. Ltd.,

New Delhi.

Kothari, C.R (2001):’Research Methodology’, Vishwa Publication., New Delhi

Saxena, Rajan. (2003):’Marketing Management’ Tata Mcgraw-Hill Publishing

Company Limited. New Delhi

Verma H.V(1993):’Marketing Of Services’, Gobal Business Press, New Delhi

Magazines

Business Week

Business World.

Business Today

Websites:

www.reliancemoney.com

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ANNEXURE

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QUESTIONNAIRE

Name : ___________________________________

Address : ___________________________________

Contact No. : ___________________________________

Q1. Do you invest Your Money to grow?

a. Yes b. No

Q2. Where do you invest?

a. Mutual Funds b. Shares

c. Commodity Market d. Fixed Deposits

e. Bonds f. Property

g. Others

Q3. From which option you will get the best returns?

a. Mutual Funds b. Shares

c. Commodity Market d. Fixed Deposits

e. Bonds f. Property

g. Others

Q4. Why you have not invested in Share Market?

a. Risk b. Lack of Knowledge

c. Return Factor

Q5. What would you like more?

a. More benefits b. More security

c. Others, Please specify

Q6. If you invested in Share market, what has been Your experience?

a. Satisfactory returns received b. Burned fingers

c. Unsatisfactory results d. No

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Q7. How do you trade in Share Market?

a. Hedging b. Speculation

c. Investment

Q8. How do you manage your portfolio?

a. Self b. depends on the company

For Portfolio Management

Q9. If you trade with Reliance Money, then why?

a. Services b. Investment Tips are good

c. Brokerage d. Research

Q10. Are you using PMS of Reliance Money?

a. Yes b. No

Q11. What was your experience about Portfolio Management Services of Reliance?

Money?

a. Earned Profit b. Faced Loss

c. No Profit No Loss Situation

Q12. Does the Reliance Money keep its process transparent?

a. Yes b. No

Q13. Do you recommend Portfolio management services of Reliance Money to others?

a. Yes b. No

IPER - BHOPAL 52

Documents

Reliance Money PMS