A

SUMMER TRAINING RESEARCH PROJECT REPORT ON INVESTMENT PERCEPTION ABOUT RELIANCE MONEY

FINANCIAL PRODUCTS
SUBMITTED TO: GAUTAM BUDDH TECHNICAL UNIVERSITY, LUCKNOW
FOR PARTIAL FULFILLMENT OF THE REQUIREMENT OF MASTER OF BUSINESS ADMINISTRATION (MBA 2012-2014)

UNDER THE SUPERVISION OF:

MR: PRADIP AGARWAL

BRANCH HEAD, LUCKNOW

SUBMITTED BY:

DIVYA VERMA
ROLL NO:

MBA FIRST YEAR

SCIENCE AND TECHNOLOGY ENTERPRENEURS PARK HARCOURT BUTLER TECHNOLOGICAL INSTITUTE, NAWABGANJ, KANPUR-208002

ACKNOWLEDGEMENT

Sometimes words fall short to show gratitude, the same has happened to me during this project. The immense help and support received from RELIANCE SECURITIES PVT LTD overwhelmed me during this project. It has been great opportunity for me to work with reliance securities. I am extremely grateful to the entire team of reliance securities at LUCKNOW, who have shared their expertise and knowledge with me and without whom the completion of this project would have been virtually impossible. My sincere gratitude to MR PRADIP AGARWAL(BRANCH HEAD) for providing me an opportunity to work with RELIANCE SECURITIES LTD who has provided me the necessary information and his valuable suggestion and comments on bringing out this report in best possible way. I am highly indebted to MRS MENAAKSHI KAKAJI, who has provided me necessary information and her valuable suggestion and good support in understanding the basis of RELIANCE SECURITIES easily. I also express my sincere gratitude to our MENTOR DR. MOIN UDDIN to carry out this project.

DECLARATION
I DIVYA VERMA hereby declare that the project would entitle on the INVESTMENT PERCEPTION ABOUT RELIANCE MONEY FINANCIAL PRODUCTS at LUCKNOW in the original work done by me. This project report has been presented as a partial fulfillment for the requirement of degree of MASTERS OF BUSINESS ADMINISTRATION.

PREFACE
This project has been great learning and experience for me; at the same time given me enough scope to implement my analytical ability. The project INVESTMENT PERCETION ABOUT RELIANCE MONEY FINANCIAL PRODUCT gives the insight about the investors share about the different products of the RELIANCE MONEY and its competitors. It also helped to vision about the investors investment pattern. Private sector is one of the fastest growing sectors in the country. After liberalization, the private industry stills holds vast opportunities for young and experienced professionals. REALIANCE MONEY- ANIL DHIRUBHAI AMBANI GROUP offers most dynamic web trading environment to its customers. The reliance money stock trading websites uses special security features, SECURITY TOKEN which makes online trading more secure without complexity. RELIANCE ADG provides the vast opportunities to the new aspirants of management studies. The financial sector is full of competitions even if there are lots of opportunities to the job in reliance money and it is the platform to the highest peak in the life of any coming one. RELIANCE MONEY is the single window that provides the multisystem facilities of the financial products. There are many company in the market which are providing an array

of financial products like stock broking, demat account service, money changing, money transfer, gold coins, portfolio management services, wealth management services, mutual funds, general insurance and all other. Hence reliance money provides many financial products on single window. Reliance money deals with the following products and investment options. EQUITY (STOCK) BROKING DERIVATIVES TRADING FOREX TRADING COMMODITY TRADING IPOS MUTUAL FUND INSURANCE
MY GOLD PLAN

CONTENT
1. Introduction

About The Topic Objective Of The Study

2. Industry Profile 3. Company Profile 4. Trade Profile 5. Research Methodology 6. Data Analysis 7. Interpretation of Data 8. Findings 9. Conclusions 10. Suggestion 11. Limitations of the Study 12. Appendices Questionnaires Sample Information

13. Bibliography

INTRODUCTION

ABOUT THE TOPIC

The topic is about investment pattern of customers in Lucknow towards reliance financial product. The topic of the project is INVESTMENT PERCEPTION ABOUT RELIANCE MONEY FINANCIAL PRODUCT.

PURPOSE OF STUDY

It is purely based on whatever I learned at Reliance Money. One can have a brief knowledge about mutual funds and all its basics through the project. Other than that the real servings come when one moves ahead. Some of the most interesting questions regarding these products have been covered. Some of them are: Why has it become one of the largest financial intermediaries? How investors do chose between funds and these products?

Most popular stocks among fund managers, most lucrative sectors for fund managers, a special report on Systematic Investment Plan, does fund performance persists and the topping of all the servings in the form of portfolio analysis tool and its application.

All the topics have been covered in a very systematic way. The language has been kept simple so that even a layman could understand. All the quarries of the customer asked by them had been solved with the support of the seniors in the organization. The problems of the customer were being recorded for the purpose of the research and development. OBJECTIVE OF THE STUDY

To study the basket of product of Reliance Money.

To study the consumer satisfaction with Reliance Money.

To study how Reliance Money product works.

To carefully analyze consumer trends.

INDUSTRY PROFILE
ORGANIZATIONAL PROFILE OF THE COMPANY THE BACKGROUND
The Indian financial services industry is in a process of rapid transformation. Reforms are continuing as part of the overall structural reforms aimed at improving the productivity and efficiency of the economy. The role of an integrated financial infrastructure is to stimulate and sustain economic growth. Overall, the US$28 billion Indian financial sector has grown at around 15 percent and has displayed stability for the last several years, even when other markets in the Asian region were facing a crisis, according to Ministry of External Affairs, Government of India. This stability was ensured through the resilience that has been built into the system over time. The financial sector has kept pace with the growing needs of corporate and other borrowers. Banks, capital market participants and insurers have developed a wide range of products and services to suit varied customer requirements. The Reserve Bank of India (RBI) has successfully introduced a regime where interest rates are more in line with market forces. Financial institutions have combated the reduction in interest rates and pressure on their margins by constantly innovating and targeting attractive consumer segments. Banks and trade financiers have also played an important role in promoting foreign trade of the country.

FINANCIAL SERVICES The financial services domain includes three important processes of Governance, Risk Management, and Compliance. These services are offered to the various constituents of the financial markets. Financial markets can be divided into different sub-types: Capital markets that consist of stock markets (which provide financing through the issuance of shares or common stock and enable the subsequent trading thereof) and bond markets (which provide financing through the issuance of bonds and enable the subsequent trading thereof) Commodity markets that facilitate the trading of commodities Money markets that provide short-term debt financing and investment Derivatives markets (including futures markets) that provide instruments for the management of financial risk Insurance markets that facilitate the redistribution of various risks Foreign exchange markets that facilitate the trading of foreign exchange Governance, Risk Management, and Compliance are highly related but distinct activities that solve different problems for different sets of constituents of an organization. For the smooth and efficient management of any organization, it is very crucial to ensure that they go hand in hand. It is very important to realize that if the first

(governance) is not in place, the second two (risk management and compliance) become irrelevant and probably cannot be meaningfully achieved. Governance is the responsibility of senior executive management and focuses on creating organizational transparency by defining the mechanisms an organization uses to ensure that its constituents follow established processes and policies. A proper governance strategy implements systems to monitor and record current business activity, takes steps to ensure compliance with agreed policies, and provides for corrective action in cases where the rules have been ignored or misconstrued. Risk Management is the process by which an organization sets the risk tolerance, identifies potential risks, and prioritizes the tolerance for risk, based on the organizations business objectives. Risk Management leverages internal controls to manage and mitigate risk throughout the organization. Compliance is the process that records and monitors the controlsphysical, logical, or organizationalneeded to enable compliance with legislative or industry mandates as well as internal policies. SCOPE OF FINANCIAL MARKET The Financial Market in India at present is more advanced than many other sectors as it became organized as early as the 19th century with the securities exchanges in Mumbai, Ahmadabad and Kolkata. In the early 1960s, the number of securities exchanges in India became eight - including Mumbai, Ahmadabad and Kolkata. Apart from these three exchanges, there was the Madras, Kanpur, Delhi, Bangalore and Pune exchanges as well.

Today there are 23 regional securities exchanges in India. The Indian Stock Markets till date have remained stagnant due to the rigid economic controls. It was only in 1991, after the liberalization process that the India securities market witnessed a flurry of IPOs serially. The market saw many new companies spanning across different industry segments and business began to flourish. The launch of the NSE (National Stock Exchange) and the OTCEI (Over the Counter Exchange of India) in the mid-1990s helped in regulating a smooth and transparent form of securities trading. The regulatory body for the Indian capital markets was the SEBI (Securities and Exchange Board of India). The capital markets in India experienced turbulence after which the SEBI came into prominence. The market loopholes had to be bridged by taking drastic measures. India Financial Market helps in promoting the savings of the economy - helping to adopt an effective channel to transmit various financial policies. The Indian financial sector is well developed, competitive, efficient and integrated to face all shocks. In the India financial market there are various types of financial products whose prices are determined by the numerous buyers and sellers in the market. The other determinant factor of the prices of the financial products is the market forces of demand and supply. The various other types of Indian markets help in the functioning of the wide india financial sector.

ROLE OF FINANCIAL MARKETS

Effective Mobilization of Savings Stock exchanges provide organized market for individual as well as institutional investors. They regulate the trading transactions with proper rules and regulations in order to ensure investors protection. This helps to consolidate the confidence of investors and small savers, thus. Stock exchanges attract small savings especially of large number of investors in the capital market. Promoting Capital Formation The funds mobilized through capital market are provided to the industries engaged in the production of various goods and services useful for the society. This leads to capital formation and development of national assets. The savings mobilized are channelized into appropriate avenues of investment. Wider Avenues of Investment Stock exchanges provide a wider avenue for the investment to the people and organizations with investible surplus. Companies from diverse industries like Information Technology. Steel, Chemicals, Fuels and petroleum, Cement, Fertilizers etc. offer various kinds of equity and debt securities to the investors. Online trading facility has brought the stock exchange at the doorsteps of investors through computer network. Diverse type of securities is made available in the stock exchanges to suit the varying objectives and notions of different classes of investor. Necessary information from stock exchanges available from different sources guides the investors in the effective management of their investment portfolios.

Liquidity of Investment Stock exchanges provide liquidity of investment to the investors. Investors can sell out any of their investments in securities at any time during trading days and trading hours on stock exchanges; Thus Stock exchanges provide liquidity of investment. The on-line trading and online settlement of demat securities facilitates the investors to sell out their investment and realize the proceeds within a day or two. Even investors can switch over their investment from one security to another according to the changing scenario of capital market. Investment Priorities Stock exchanges facilitate the investors to decide his investment priorities by providing him the basket of different kinds of securities of different industries and companies. He can sell stock of one company and buy a stock of another company through stock exchange whenever he wants. He can manage his investment portfolio to maximize his wealth. Investment Safety Stock exchanges through their by-laws. Securities and Exchange Board of India (SEBI) guidelines. Transparent procedures try to provide safety to the investment in industrial securities. Government has established the National stock Exchange (NSE) and over the counter Exchange of India (OTCEI) or investors safety. Exchange authorities try to curb speculative practices and minimize the risk for common investor to preserve his confidence.

Wide Marketability to Securities Online price quoting system and online buying and selling facility have changed the nature and working of stock exchanges, formerly. The dealings on stock exchanges were restricted to its headquarters. The investors across the lack of information, but today due to Internet, on line quoting facility is available at the computers of investors, as a result. They can keep track of prince fluctuations taking place on stock exchange every second during the working hours. Certain T.V. channels like CNBC are fully devoted to stock market information and corporate news. Even other channels display the on line quoting of stocks, thus. Modern stock exchanges backed up by internet and information technology provide wide marketability to securities of the industries. Demat facility has revolutionized the procedure of transfer of securities and facilitated marketing. Financial Resources for Public and Private Sectors Stock Exchanges make available the financial resources available to the industries in public and private sector through various kinds of securities. Due to the assurance of liquidity, Marketing support. Investment safety assured through stock exchanges. The public issues of securities by these industries receive strong public response (resulting in oversubscription of issue). Funds for Development Purpose Stock exchanges enable the government to mobilize the funds for public utilities and public undertakings which take up the developmental activities like power projects, Shipping, railways, telecommunication dams and roads constructions, etc. Stock

exchanges provide liquidity, marketability, price continuity and constant evaluation of government securities. Indicator of Industrial Development Stock exchanges are the symbolic indicators of industrial development of a nation. Productivity, efficiency, economic-status. A prospect of each industry and every unit in an industry is reflected through the price fluctuation of industrial on stock exchanges. Stock exchanges Sensex and price fluctuations of securities of various companies tell the entire story of changes in industrial sector. Barometer of National Economy Stock exchanges are taken as a Barometer of the economy of a country. Each economy is economically symbolized (indicators) by its most significant stock exchange. New York stock Exchange, London stock Exchange, Tokyo stock Exchange and Bombay stock Exchange are considered as barometers of U.S.A. United Kingdom, Japan and India respectively. At both national and international level these stock exchanges represent the progress and conditions of their economies.

FINANCIAL MARKET

CAPITAL MARKET(SEBI)

MONEY MARKET(RBI)

COMMODITY MARKET(MARKET COMMODITY)

CAPITAL MARKET
The capital market is the market for securities, where companies and governments can raise long-term funds. It is a market in which money is lent for periods longer than a year. A nation's capital market includes such financial institutions as banks, insurance companies, and stock exchanges that channel long-term investment funds to commercial and industrial borrowers. Unlike the money market, on which lending is ordinarily short term, the capital market typically finances fixed investments like those in buildings and machinery.

CAPITAL MARKET

DEBT OR BOND MARKET STOCK OR EQUITY MARKET

BOND MARKET The bond market (also known as the debt, credit, or fixed income market) is a financial market where participants buy and sell debt securities, usually in the form of bonds. References to the "bond market" usually refer to the government bond market, because of its size, liquidity, lack of credit risk and, therefore, sensitivity to interest rates.

Because of the inverse relationship between bond valuation and interest rates, the bond market is often used to indicate changes in interest rates or the shape of the yield curve. EQUITY MARKET A stock market or equity market is a public market (a loose network of economic transactions, not a physical facility or discrete entity) for the trading of company stock and derivatives at an agreed price; these are securities listed on a stock exchange as well as those only traded privately.

TYPES OF CAPITAL MARKET

PRIMARY MARKET

SECONDARY MARKET

PRIMARY MARKET It is also called the new issue market, is the market for issuing new securities. Many companies, especially small and medium scale, enter the primary market to raise money from the public to expand their businesses. They sell their securities to the public through an initial public offering.

The securities can be directly bought from the shareholders, which is not the case for the secondary market. The primary market is a market for new capitals that will be traded over a longer period. In the primary market, securities are issued on an exchange basis. The underwriters, that is, the investment banks, play an important role in this market: they set the initial price range for a particular share and then supervise the selling of that share. Investors can obtain news of upcoming shares only on the primary market. The issuing firm collects money, which is then used to finance its operations or expand business, by selling its shares. Before selling a security on the primary market, the firm must fulfill all the requirements regarding the exchange. SECONDARY MARKET All the securities are first created in the primary market and then, they enter into the secondary market. In the New York Stock Exchange, all the stocks belong to the secondary market. In other words, secondary market is a place where any type of used goods is available. In the secondary market shares are maneuvered from one investor to other, that is, one investor buys an asset from another investor instead of an issuing corporation. So, the secondary market should be liquid. MONEY MARKET Money market means market where money or its equivalent can be traded. Money is synonym of liquidity. Money market consists of financial institutions and dealers in money or credit who wish to generate liquidity. By convention, the term Money Market refers to the market for short time requirement & deployment of funds. Money

market instruments are those instruments, which have a maturity time of less than 1 year. The most active part of the money market is the market for overnight call and term money between the banks, institutions as well as call money transactions. Call Money or Repo is very short term Money Market products. The below mentioned instruments are normally termed as money market instruments. The slice of the financial market where instruments with high liquid and short maturities are traded is called money market. It is a generic definition. The players who indulge in short time from several days to less than one year. It is generally used for borrow & lend over this short term. Due to the highly liquid nature of the security and short maturities, money market are perceived as a safe place to lock in money. The participants in the financial market perceive a thin line, differentiating between the capital market & the money market. Capital market refers to stock markets where the common stocks are traded, and bond markets where bonds are issued and traded. This is in sharp contrast to money markets which provide short term debt financing and investment. In money market, there is borrowing and lending for periods of a year or less. Treasury Bills are highly liquid short-time instruments that yield attractive returns. Short- term borrowing instruments of the Central Government, it is a promise to pay a said sum after expiry of a specified period. It is a zero-risk instrument available in both primary and secondary markets. Money market instruments are characterized by high degree of safety of the principal. Commercial paper is a short-term unsecured promissory note issued by corporate sand financial institutions. Commercial Paper is short-term loan that is issued by corporation use for financing accounts receivable and inventories. Issued at discount

to the face value, they yield attractive returns. The Government of India securities are sovereign coupon bearing instruments that are issued by the Government of India. The Money market instrument meets the short-term requirements of borrowers and provides liquidity to lenders. Short-term surplus funds at the disposal of institutions and individuals are bid by borrowers, who could be in the same category. Debt instrument which have a maturity of less than a year at the time of issue are called money market instruments.

Types of debt instruments include notes, bonds, certificates, mortgages, leases or other agreements between a lender and a borrower. These instruments are highly liquid and have negligible risk. The major money market instruments are Treasury bills, certificates of deposit, commercial paper, and repos. The money market is dominated by the government, financial institutions, banks, and corporate. Individual investors scarcely participate in the money market directly. A brief description of money market instruments is given below. Certificate of Deposit (CD) Commercial Paper (C.P) Inter Bank Participation Certificates Inter Bank term Money Treasury Bills Call/ Notice/ Term Money Bill Rediscounting

ABOUT RELIANCE ADA GROUP Reliance ANIL DHIRUBHAI AMBANI Group is among Indias top three private sector business houses on all major financial parameters With a group market capitalization of Rs. 325,000 crore (US$ 81 billion) A Net Worth to the tune of Rs. 55,000 crore (US$ 14 billion) Across different companies the group has a customer base of over 100 million, the largest in India and a shareholder base of over 12 million, among the largest in the world Through its products and services, the Reliance - ADA Group touches the life of 1-in-10 Indians every single day It has a business presence that extends to over 5000 towns and cities in India served by 12,000 distribution outlets 500,000 business partners 30,000 strong motivated workforce

COMPANY PROFILE
RELIANCE CAPITAL
HISTORY
Reliance Capital Limited (RCL) was incorporated in year 1986 at Ahmedabad in Gujarat as Reliance Capital & Finance Trust Limited. The name RCL came into effect from January 5, 1995. In 2002, RCL shifted its registered office to Jamnagar in Gujarat before it finally moved to Mumbai in Maharashtra, in 2006.

In 2006, Reliance Capital Ventures Limited merged with RCL and with this merger the shareholder base of RCL rose from 0.15 million shareholders to 1.3 million.

RCL entered the Capital Market with a maiden public issue in 1990 and in subsequent years further tapped the capital market through rights issue and public issues. The equity shares were initially listed on the Ahmedabad Stock Exchange and The Stock Exchange Mumbai. Presently the shares are listed on The Stock Exchange Mumbai and the National Stock Exchange of India.

RCL in the initial years engaged itself in steady annuity yielding businesses such as leasing, bill discounting, and inter-corporate deposits. Later, in 1993 diversified its business in the areas of portfolio investment, lending against securities, custodial services, money market operations, project finance advisory services, and investment banking.

RCL was accredited a Category 1 Merchant banker by the Securities Exchange Board of India (SEBI). It had lead managed/co-managed 15 issues of an aggregate value of Rs. 400 crore and had underwritten 33 issues for an aggregate value of Rs. 550 crore. All these companies were listed on various exchanges.

RCL obtained its registration as a Non-banking Finance Company (NBFC) in December 1998. In view of the regulatory requirements RCL surrendered its Merchant Banking License.

RCL has since diversified its activities in the areas of asset management and mutual fund; life and general insurance; consumer finance and industrial finance; stock broking; depository services; private equity and proprietary investments; exchanges, asset reconstruction; distribution of financial products and other activities in financial services.

OVERVIEW
Reliance Capital, a constituent of CNX Nifty Junior and MSCI India, is a part of the Reliance Group. It is one of India's leading and amongst most valuable financial services companies in the private sector. Reliance Capital has interests in asset management and mutual funds; life and general insurance; commercial finance; equities and commodities broking; investment banking; wealth management services; distribution of financial products; exchanges; private equity; asset reconstruction; proprietary investments and other activities in financial services. Reliance Mutual Fund is amongst top two Mutual Funds in India with over six million

investor folios. Reliance Life Insurance and Reliance General Insurance are amongst the leading private sector insurers in India. Reliance Securities is one of Indias leading retail broking houses. Reliance Money is one of Indias leading distributors of financial products and services. Reliance Capital has a net worth of Rs. 11,991 crore (US$ 2.2 billion) and total assets of Rs. 40,588 crore (US$ 7.5 billion) as on March 31, 2013.

Business mix of Reliance Capital

Asset Management Insurance Commercial Finance

Mutual Fund, Offshore Fund, Pension fund, Portfolio Management Life Insurance, General Insurance Mortgages, Loans against Property , SME Loans, Loans for Vehicles, Loans for Construction Equipment, Business Loans, Infrastructure financing

Broking and Distribution

Equities, Commodities and Derivatives, Wealth Management Services, Portfolio Management Services, Investment Banking, Foreign Exchange, Third Party Products

Other Businesses

Private Equity, Institutional Broking, Asset Reconstruction, Venture Capital

Social Responsibility
Organizations, like individuals, depend for their survival, sustenance and growth on the support and goodwill of the communities of which they are an integral part, and must pay back this generosity in every way they can...

This ethical standpoint, derived from the vision of our founder, lies at the heart of the CSR philosophy of the Reliance Group.

Reliance Group is committed to being an ideal corporate citizen and doing more than its fair share to support various deserving causes, in the field of medicine in particular; setting up and operating KOKILABEN DHIRUBHAI AMBANI Hospital. Reliance Capital supports this and other CSR ventures. Each of Reliance Capitals different businesses vigorously implements their own CSR initiatives. Indeed, their CSR efforts are counted when calculating the businesss performance. Some of the work done by them include blood donation camps, donation of old computers to various schools, donations are given to NGOs working with children or the aged or to the Missionaries of Charity across the country, direct cash aid for paying the medical expenses of life threatening requirements for some under-privileged people etc.

Other businesses work with self-help groups to provide them with funding and other advice to function better. Some other businesses have also worked with educational institutions to promote financial literacy and financial inclusiveness.

This is in addition to supporting the charitable activities of the Reliance Group, both in healthcare and in caring for older people Silvers. The Company also follows an active program of energy abatement. This is not just in its corporate office, but also in other large offices in big cities.

RELIANCE CAPITAL BALANCE SHEET 2012

FINANCIAL YEAR MARCH 31, 2012 PARTICULARS TOTAL REVENUE PROFIT BEFORE EXCEPTIONAL ITEMS EXCEPTIONAL ITEMS INVESTMENT WRITTEN OFF DUE TO MERGER LOSS ON SALE OF INVESTMENT TRANSFER/(WITHDRAWAL )FROM GEN RESERVE PROFIT BEFORE TAX TAX EXPENSES PROFIT AFTER TAX ADD: OPENING SURPLUS IN STATEMENT OF P/L PROFIT AVAILABLE FOR APPROPRIATION PROPOSED DIVIDEND INCLUDING TAX ON PROPOSED DIVIDEND REVERSAL OF TAX ON PROPOSED DIVIDEND FOR EARLIER YEARS TRANSFER TO STATUTORY RESERVE FUND TRANSFER TO GENERAL RESERVE 0 149 (149) 621 102 519 1972 2491 191 104 1052 0 3 (3) 121 20 101 385 487 37 20 206 (IN RUPEES) (US$ IN MILLIONS) 33171 621 648 121

RELIANCE MONEY

RELIANCE MONEY, the financial product retail arm of the RELIANCE CAPITAL, a company owned by the ANIL DHIRUBHAI AMBANI GORUP (ADAG), has decided to expand distribution network in rural areas. Reliance money is involved in selling products like LIFE INSURANCE, GENERAL INSURANCE AND MUTUAL INSURANCE. In a massive inclusive growth initiative , first of its kind in Indian corporate history, which would provide employment to 50,000 rural youth, the has decided to extend its rural reach this fiscal by setting up 10,000 franchise outlets in 5156 of 5645 tehsils of the country, according to Hindu business line report. Reliance money has already identified and appointed franchisee partners in 1001 tehsils with the help of rural consumer-focused organization. Reliance ADAG expects to garner 10-2-% of its total business through thrust. While the company has already established its presence in Maharashtra, Andhra Pradesh, Karnataka, Madhya Pradesh, Gujarat and west Bengal, it is now expanding into Uttaranchal, Chhattisgarh, Rajasthan, Tamil Nadu, and Orissa.

Reliance money is a member of these groups EQUITIES: trading through reliance securities ltd COMMODITIES: trading through reliance commodities MUTUAL FUND: reliance securities ltd Reliance money is a part of the reliance ANIL DHIRUBAI AMBANI Group and is promoted by Reliance capital, the fastest growing private sector financial services company in India, ranked amongst the top 3 private sector financial companies in terms of net worth. Reliance money is a comprehensive financial solution provider that enables you to carry out trading and investment activities in a secure, cost-effective and convenient manner. Through reliance money, you can invest in a wide range of asset classes from Equity, Equity and commodity Derivatives, Mutual Funds, insurance products, IPOs to availing services of Money Transfer & Money changing. Reliance Money offers the convenience of on-line and offline transactions through a variety of means, including its Portal, Call & Transact, Transaction Kiosks and at its network of affiliates. Some key steps of the company that are as.. SUCCESS IS A JOURNEY, NOT A DESTINATION. If we look for examples to prove this quote then we can find many but there is none like that of Reliance Money. The company which is today known as the largest financial service provider of India.

SUCCESS SUTRAS OF RELIANCE MONEY: The success story of the company is driven by 8 success sutras adopted by it namely trust, integrity, dedication, commitment, enterprise, hard work and team play, learning and innovation, empathy and humility. These are the values that bind success with Reliance Money. VISION OF RELIANCE MONEY To achieve & sustain market leadership, Reliance Money shall aim for complete customer satisfaction, by combining its human and technological resources, to provide world class quality services. In the process Reliance Money shall strive to meet and exceed customer's satisfaction and set industry standards. MISSION STATEMENT: Our mission is to be a leading and preferred service provider to our customers, and we aim to achieve this leadership position by building an innovative, enterprising , and technology driven organization which will set the highest standards of service and business ethics.

RELIANCE MONEY COMPANY PROFILE

CHAIRMAN PROFILE:
Regarded as one of the foremost corporate leaders of contemporary India, Shri Anil D Ambani, 48, is the chairman of all listed companies of the Reliance ADA Group, namely, Reliance Communications, Reliance Capital, Reliance Energy and Reliance Natural Resources limited.

He is also Chairman of the Board of Governors of Dhirubhai Ambani Institute of Information and Communication Technology, Gandhi Nagar, Gujarat. Till recently, he also held the post of Vice Chairman and Managing Director in Reliance Industries Limited (RIL), Indias largest private sector enterprise.

Anil D Ambani joined Reliance in 1983 as Co-Chief Executive Officer, and was centrally involved in every aspect of the companys management over the next 22 years.

He is credited with having pioneered a number of path-breaking financial innovations in the Indian capital markets. He spearheaded the countrys first forays into the overseas capital markets with international public offerings of global depositary receipts,

convertibles and bonds. Starting in 1991, he directed Reliance Industries in its efforts to rise over US$ 2 billion. He also steered the 100-year Yankee bond issue for the company in January 1997.

He is a member of:

Wharton Board of Overseers, The Wharton School, USA Central Advisory Committee, Central Electricity Regulatory Commission Board of Governors, Indian Institute of Management, Ahmadabad Board of Governors Indian Institute of Technology, Kanpur Conferred The Entrepreneur of the Decade Award by the Bombay Management Association , October 2002 Awarded the First Wharton Indian Alumni Award by the Wharton India Economic Forum (WIEF) in recognition of his contribution to the establishment of Reliance as a global leader in many of its business areas, December 2001 Selected by Asia week magazine for its list of Leaders of the Millennium in Business and Finance and was introduced as the only new hero in Business and Finance from India, June 1999

BOARD OF DIRECTORS OF COMPANY

Amitabh Jhunjhunwala, Vice-Chairman

Shri Amitabhabh Jhunjhunwala, 51, is a Fellow Chartered Accountant. He has vast experience in the areas of financial services and capital markets. Shri Jhunjhunwala was appointed to the Board on March 7, 2003 and was appointed Vice Chairman on March 20, 2006. He is a Director on the Board of Harmony Art Foundation and Reliance Anil Dhirubhai Ambani Group Pvt. Ltd.

Rajendra Chitale, Independent Director

Shri Rajendra P. . Chitalale, 46, an eminent Chartered Accountant, is the Managing Partner of M/s M. P. Chitale & Associates. He is a Director on boards of the National Securities Clearing Corporation Limited, Asset Reconstruction Company (India) Ltd, Hinduja TMT Limited, HTMT Global Solutions Ltd, Ambuja Cement Limited, SME Rating Agency of India Limited, Ishan Real Estate PLC and Reliance General Insurance Company Ltd. He is also a member of the advisory board of the Insurance and Regulatory Authority of India (IRDA). He has also served on the boards of Life Insurance Corporation of India, Unit Trust of India, SBI Capital Markets Ltd., National Stock Exchange of India Ltd. and Small Industries Development Bank of India.

Shri C. P. Jain

Shri C.P. Jain, 61, is the former Chairman and Managing Director of NTPC Ltd. (National Thermal Power Corporation). Shri Jain has an illustrious career spanning over four decades of contribution in the fields of financial management, general management, strategic management and business leadership. He is a fellow member of the Institute of Chartered Accountants of India with an advanced diploma in Management and is a law graduate. Shri C. P. Jain joined the Board of NTPC in 1993 as Director (Finance), was elevated as Chairman & Managing Director in September 2000 and superannuated in March 2006. He is Chairman of the Global Studies

Committee of World Energy Council (WEC), world's largest energy NGO with nearly hundred member-nations. He has been on several important committees of the Government of India, latest being the 'Adhoc Group of Experts on Empowerment of CPSEs'. He was Chairman of Standing Conference of Public Enterprises (SCOPE) between April 2003 and March 2005. He is a Director on the Board of IL & FS Infrastructure Development Corporation and, is also a member of the Audit Advisory Board of the Comptroller and Audit General of India.

COMPANIES PARTNER

RELIANCE SECURITIES

About the Company:

Reliance Securities comes from the house of Reliance Capital, one of Indias leading & prominent financial houses. Founded in 1986, Reliance Capital has come a long way from being into steady annuity yielding businesses such as leasing, bill discounting, and inter-corporate deposits to diversifying its activities in the areas of asset management and mutual fund; life and general insurance; consumer finance and industrial finance; stock broking; depository services; private equity and proprietary investments; exchanges, asset reconstruction; distribution of financial products and other activities in financial services. Reliance Capital has a net worth of Rs. 7,887 crore (US$ 2 billion) and total assets of Rs. 32,419 crore (US$ 7 billion) as on June 30, 2011. Reliance Securities Limited is a Reliance Capital company and part of the Reliance Group. Reliance Securities endeavors to change the way investors transact in equities markets and avails services. It provides customers with access to Equity, Derivatives, and Mutual Funds & IPOs. It also offers secured online share trading platform and

investment activities in secure, cost effective and convenient manner. To enable wider participation, it also provides the convenience of trading offline through variety of means, including Call & Trade, Branch dealing Desk and its network of affiliates. Reliance Securities has a pan India presence at more than 1,700 locations. 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.

Market & Network:

Reliance Securities acquired memberships of the premium stock exchanges in India, namely BSE and NSE in 2005 and 2006 respectively. It offers trading facilities in the cash and derivatives market segment of both NSE and BSE. The company provides trading in the debt market segment as well. It also acts as a DP with CDSL. Reliance Securities website www.rsec.co.in also facilitates trading in commodities for its partner company, Reliance Commodities Ltd which, holds memberships in NCDEX, MCX and NMCE. Reliance Securities is headquartered in Mumbai with operations across all major Indian cities. Majority of the companys terminals are located in Mumbai. It has a vast network spread across 3,393 cities, with 116 offices, and 2,822 equity broking terminals allocated to 2,943 registered sub-brokers.

As on Dec 31, 2009, Reliance Securities had 73 NEAT terminals, 40 BOLT terminals and 2,709 CTCL licenses. During the same period, the company added 1, 84,550 client accounts of which 1,82,720 were e-broking accounts.

Products and Services:

Trading
Reliance Securities facilitates trading activities in all the major market segments including, cash, derivatives, debt and currency futures. The company offers online trading facility through its website, www.rsec.co.in. Reliance Securities has recently migrated all its customers to its new trading platform, Insta Plus and Insta Express. Apart from internet trading, customers are also provided with the option of trading through the Call & Trade facility and through RSec.mobi, a personal mobile phone service. Clients can place and track their orders on BSE and NSE on a real time basis with access to RSec.mobi. This facility is available to Reliance Securities trading account holders across all mobile platforms independent of device, operator and the underlying carrier technology. Some equity products of reliance securities are: Delivery Cash Trading Intraday Exposure against stocks After Markets Orders

RMAX PLAN PSP PLAN RSP Insure Plan R- Model Portfolio Competitive Tariffs

Investment Banking
Reliance Securities also offers Investment Banking services.

Distribution of Financial Products

Reliance Securities is involved in the distribution of financial products such as mutual funds, insurance and IPOs.

DEMAT Services
The company offers DEMAT services through Reliance Capital and is a registered member with NSDL and CDSL.

PMS
Reliance Securities is a SEBI registered portfolio manager and offers customized services to their client which is designed to meet their investment objectives. THESE SERVICES COVER ALL ADMINISTRATIVE ASPECTS WHILE PROVIDING PERIODICREPORTING TO CLIENTS.

WMS
The Company makes available Wealth Management Solutions to its customers

Research
Reliance Securities offers research based services to its clients. Its research wing encompasses 100 companies across 20 sectors. This division offers complete research solutions on IPOs, mutual funds, economic research and other special reports and newsletters.

Insurance
Reliance Securities also provides a range of insurance products including life insurance and general insurance through Reliance Composite Insurance Broking.

NRI Services
NRI clients can place orders using the new their trading platform such as Insta plus and Insta Express. NRIs can execute their securities transactions under the provisions of the RBI guidelines for NRI Portfolio Investment Scheme (PIS).

Future Plans
Reliance Securities plans for CY10 include offering new products to its clients. In the near future, the company also plans to raise additional capital through the private placement route. During the above period, it plans to add 100 terminals, open 20 new branches apart from adding 100,000 new E-broking accounts. Additionally, it intends to recruit 250 more employees.

ACHIEVEMENTS AND AWARDS:

'Most Admired Service Provider in Financial Sector' by IPE BFSI, 2012 'Indian E-Retail Awards for Best Customer Experience Award' by Franchise India, 2012 'My FM Stars of the Industry 2012'for excellence in Online Demat (Broking category) Reliance Securities Limited is now ISO 9001:2008 certified for Online Trading Platform 'Brand Leadership Legacy Award' at the Asian Leadership Awards - Dubai, 2011 'My FM Stars of the Industry 2011' for excellence in Online Demat / Broking 'Largest E-Broking House 2010' by Dun & Bradstreet 'Largest E-Broking House & Best Equity Broking House for the year 2009' by Dun & Bradstreet 'Best in category Service Franchise' at the 6th International Franchise & Retail show 2008 'Best E-Brokerage House 2008' (runner's up) by Outlook Money NDTV Profit Awards 'Debutant Franchisor of the Year' at the 5th International Franchisee & Retail Show 2007 Reliance Securities has been rated no. 1 by Starcom Worldwide for online security and cost effectiveness in 2007

FUTURE PROSPECTS:
You will be glad to learn that we have drawn up exciting growth plans for the next 3 to 5 years. Increase our customer base - from 15 million to 50 million Increase our distribution reach - from 4,000 to 20,000 cities and towns across India. Increase our employee base - from 30,000 to 100,000 Increase the number of our business partners - from 500,000 to 1 million Invest Rs. 2,000 crore (US$ 454 million) in our insurance businesses, taking our cumulative investment to over Rs 4,000 crore, or nearly a billion dollars Enter the banking sector as and when the regulatory environment permits Globalize operations leveraging our domestic experience and capabilities selectively expand our asset management, life insurance and broking operations in emerging markets across Asia, Africa and Middle East. Together, these investments and initiatives will further accelerate our growth momentum and lead to substantial value creation.

COMPETITORS PROFILE:

1.
The Industrial Credit and Investment Corporation of India Limited (ICICI) incorporated at the initiative of the World Bank, the Government of India and representatives of Indian industry, with the objective of creating a development financial institution for providing medium-term and long-term project financing to Indian business. Mr. A. Ramaswami Mudaliar was elected as the first Chairman of ICICI Limited. ICICI Bank is Indias largest bank in the private sector with about US$ 33 billion in assets and is the second largest Indian bank including all public and private enterprises. ICICI Bank is Indias foremost technology bank and pioneered Internet banking in India. Today, it has 5 million customers on the Internet. ICICI Venture is the largest and one of the successful private equity and venture capital management companies in India with aggregate funds under management in excess of US$ 650 million. ICICI Securities Limited (I-SEC) was formed on 22nd February 1993. Its a wholly owned investment-banking subsidiary of ICICI Limited. ICICI Securities today is India's leading Investment Bank and one of the most significant players in the Indian capital markets. ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank. ICICI Prudential was amongst the first private sector insurance companies to begin operations in December 2000. In the financial year ended March 31, 2005, the company

garnered Rs 1584 crore of new business premium for a total sum assured of Rs 13,780 crore and wrote nearly 615,000 policies. ICICI Lombard General Insurance Company Limited is a 74:26 joint venture between ICICI Bank Limited and the US$ 26 billion Fairfax Financial Holdings Limited. ICICI Lombard General Insurance Company received regulatory approvals to commence general insurance business in August 2001. Its the India's number one private general insurance company.

M.D. PROFILE:

. Anup Bagchi is the Managing Director and CEO of ICICI Securities, a leading firm in the capital markets space in.the country. Its Investment Banking team helps raise capital for India Inc both equity and debt both publicly and privately placed. In the secondary market, its broking teams cover both, institutional and retail clients with ICICIdirect.com enjoying significant market leadership. Prior to this, Mr. Bagchi was the Executive Director at ICICI Securities Ltd. He was responsible for the development and business growth of the retail broking, distribution of retail financial products, and wealth management services. Mr. Bagchi pioneered seamless online broking in India through ICICIdirect.com, a leading online broking platform with over 2 million customers .

2. India Infoline is one-stop financial service shop, most respected for quality of its advice, personalized service and cutting-edge technology.

VISION: Our vision is to be the most respected company in the financial services space. INDIA INFOLINE GROUP: The India Infoline Group, comprising the holding company, India Infoline Limited and its wholly-owned subsidiaries, straddle the entire financial services space with offerings ranging from Equity and derivatives trading. Commodities trading, Portfolio Management Services, Mutual Funds, Life Insurance, Fixed Deposits, Gold Bonds and other small savings instruments to loan products and Investment Banking. India Infoline also owns and manages the website www.indiainfoline.com and www.5paisa.com . The company has a network of 976 business locations (branches and sub-brokers) spread across 365 cities and towns. It has more than 8,00,000 customers.

INDIA INFOLINE LIMITED: India Infoline Limited is listed on both the leading stock exchanges in India, viz. the Stock Exchange, Mumbai (BSE) and the National Stock Exchange (NSE) and is also a member of both the exchanges. It is engaged in the business of Equities Broking,

Wealth Advisory Services and Portfolio Management Services. It offers broking services in the Cash and Derivatives segments of the NSE as well as the Cash segment of the BSE. It is registered segment of the (NSDL) as well as the (CDSL) as a depository participant, providing a one-stop solution for clients trading in the equities market. It has recently launched its Investment banking and Institutional Broking business. A SEBI authorized Portfolio Manager; it offers Portfolio Management Services to clients. These services are offered to clients as different schemes, which are based on different investment strategies made to reflect the varied risk-return preferences of clients. INDIA INFOLINE MEDIA AND RESEARCH SERVICES LIMITED: The content services represent a strong support that drives the broking, commodities, mutual fund and portfolio management services businesses. Revenue generation is through the sale of content to financial and media houses, Indian as well as global. It undertakes equities research which is acknowledged b none other than Forbes as Best of the Web and a must read for investors in Asia. India Infolines research is available not just over the internet but also on international wire services like Bloomberg (Code: IILL), Thomson First Call and Internet Securities where India Infoline is amongst the most read Indian brokers.

INDIA INFOLINE COMMODITIES LIMITED: India Infoline Commodities Pvt Limited is engaged in the business of commodities broking. Our experience in securities broking empowered us with the requisite skills and technologies to allow us offer commodities broking as a a contra-

cyclical alternative to equities broking. We enjoy memberships with the Multi Commodity Exchange (MCX) and National Commodity and Derivative Exchange (NCDEX), two leading Indian commodities exchanges, and recently acquired membership of (DGCX). We have a multi-channel delivery model, making it among the select few to offer online as well as offline trading facilities. M.D. PROFILE:

Nirmal Jain, MBA (IIM, Ahmadabad) and a Charted and Cost Accountant, founded Indias leading financial services company India Infoline Ltd. In 1995, providing globally acclaimed financial services in equities and commodities broking, life insurance and mutual funds distribution, among others. Mr. Jain began his career in 1989 with Hindustan Levers commodity export business,
contributing tremendously to its growth.

He was also associated with Inquire-Indian Equity Research, which he cofounded in 1994 to set new standards in equity research in India.

3. Kotak Securities Ltd. 100% subsidiary of Kotak Mahindra Bank is one of the oldest and largest broking firms in the industry. It includes stock broking through the branch and internet, Investment in IPOs, Mutual Funds and Portfolio Management service. OUR ACCOLADES: Best Brokerage Firm in India by Asia money in 2008, 2007 & 2006. Best Performing Equity Broker in India CNBC Financial Advisor Awards 2008. Avaya Customer Responsiveness Awards (2007 & 2006) in financial Service Sector. Kotak Securities have a full-fledged research division involved in Macro Economic studies, Sectoral research and Company Specific Equity Research combined with a strong and well networked sales force which helps deliver current and up to date market information and news. Kotak Securities also a Depository Participant (DP) with National Securities Depository Limited (NDSL) and Central Depository Services Limited (CDSL), providing dual benefits services wherein the investors can avail our brokerage services for

executing the transactions and the depository service for settling them. We process more than 4,00,000 trades a day which is much higher even than some of the renowned international brokers. Kotak Securities spans over 316 cities with 783 outlets. M.D. PROFILE:

Uday Kotak is an Indian businessman. He is the vice-chairman and managing director of Kotak Mahindra Bank. He owns a 50% stake in Kotak Mahindra Bank, which he founded and runs. Forbes estimated his wealth to be $2.2 billion in 2007, up from $1.1 billion the year earlier. In 2006 he ended a 14 year partnership

with Goldman Sachs by acquiring its 25% stake in two subsidiaries for $72 million. He is an alumnus of prestigious Jamnalal Bajaj Institute of Management Studies, Mumbai and Sydenham College, Mumbai.

4. The company was formed in 1987 by Motilal Oswal and Raamdeo Agrawal after they acquired membership on The BSE. Motilal Oswal was elected director and joined the Governing Board of the Bombay Stock Exchange in 1998. Motilal Oswal Securities is a Depository Participant of NSDL and a Depository Participant of CDSL in 2000. In 2006, the company entered Private Equity and Investment Banking business. In the same year, Motilal Oswal group acquired South Indian brokerage firm Peninsular Capital Markets. The company tied up with State Bank of India and Punjab National Bank in 2006 and 2007 to offer online trading to its customers. In 2008 the company create one of Indias largest Equity Dealing & Advisory rooms, spread over 26,000 sq. ft. in Malad, Mumbai. In January 2010, Motilal Oswal Financial Services (through its subsidiary Motilal Oswal Securities Ltd.) received the final certificate of registration approval from Securities and exchange Board of India (SEBI) to set up a mutual fund business in the country. M.D. PROFILE:

Mr. Oswal has received the Rastriya Samman Patra awarded by the Government of India for being amongst the highest Income Tax payers in the country for a period of 5 years FY95-FY99. Mr. Oswal has served on the governing board of the Bombay Stock Exchange (BSE) as a Director. He has also been member of National Stock Exchange (NSE) committee for F&O and a member of the Managing Committee Of Indian Merchants Chamber (IMC). He is a board member and a Director of Jain International

Mr. Motilal Oswal is the Chairman and Managing Director of Motilal Oswal Financial Services Ltd. (MOFSL). He is Charted Accountant and started the business along with co-promoter, Mr. Raamdeo Agrawal in 1987.

5.

Religare Securities Limited (RSL), a 100% subsidiary of Religare enterprises Limited is a leading equity and securities firm in India. The company currently handles sizeable volumes traded on NSE and in the realm of online trading and investments; it currently holds a reasonable share of the market. The major activities and offerings of the company today are Equity Broking, Depository Participant Service, Portfolio Management Services, International Advisory Fund Management Services, Institutional Broking and Research Services. To broaden the gamut of services offered to its investors, the company offers an online investment portal armed with a host of revolutionary features. RSL is a member of the National stock Exchange of India, Bombay Stock Exchange of India, Depository Participant with National Securities Depository

Limited and Central Depository Services Limited and is a SEBI approved portfolio Manager. Religare has been constantly innovating in terms of product and services and to offer such incisive services to specific user segments. It has also started the NRI, FII, HNI, and Corporate Servicing Groups. These groups take all the portfolio investment decisions depending upon a clients risk/return parameter.

TRADE PROFILE RELIANCE MONEY

DEMAT ACCOUNT

There are many broking houses doing business in India and they charge a brokerage on every transaction made online or offline. (Buying and Selling are treated as separate transaction). Reliance Moneys advantage over others is that its charging the lowest brokerage in the market which is just 1 paisa on every executive trade irrespective of the volume traded. Reliance Money, the brokerage and distribution arm of Reliance ADA Group, aims to tap investors in the smaller towns and cities through a flat fee structure. The current leaders in the retail broking segment like ICICI Direct, India Info line and India bulls offer a pay per use model where the customer pays a percentage of the amount transacted by him. Reliance Moneys brokerage rates are quite competitive.

The new wonder is Reliance Money's pre-paid card for stock market brokerage. Reliance Money, the financial services division of Anil Dhirubhai Ambani Grouppromoted Reliance Capital, is bringing to the market pre-paid cards in denominations of Rs 500, Rs 1,350 and Rs 2,500 with validity period of two months, six months and twelve months respectively.

These cards would offer brokerage at one-third of the rate being charged by institutional and individual brokerage houses. Sample this. For a pre-paid card worth Rs 500, an investor can trade upto Rs 90 Lakh in futures and option segment or can undertake intra-day trade of similar amount. Besides, an investor can undertake a delivery-based activity of Rs 10 Lakh.

The Rs 1350 worth pre-paid card, total trading limit would reach Rs 3 crore, of which Rs 2.70 crore is for the F&O segment and balance Rs 30 Lakh for delivery-based activities.

For Rs 2500 pre-paid card, total trading limit is fixed at Rs 16 crore that include F&O limit of Rs 15.40 crore and balance Rs 60 Lakh for delivery-based broking.

Converted to percentage terms - Reliance Money offers most competitive brokerage rates - 0.05% for delivery trades and 0.005% for non-delivery trades (fixed fee of Rs. 500/- for delivery trades upto Rs. 10 Lakh and/or non-delivery trades upto Rs. 1 crore). Industry rates vary between 0.4% to 0.85% for delivery trades and between 0.05% and 0.10% for non delivery trades.

Target low level of retail penetration in India - less than 3 per cent of household financing savings makes it into equity markets Reliance Money consumers can trade in equities, commodities and offshore Investments , IPOs, Mutual Funds, Insurance, Money transfer and Money Changing all through single window, both off-line and online. Reliance Money has already tied-up with CMC Capital Plc UK to offer offshore Investment products to Indian consumers as per guidelines.

>>How reliance money scored over others?

1. Two way authentication:. Reliance offers its customers with a token (an electronic gadget) that generates a password, which is a third level of security in addition to the customer log in and a password provided. The password generated by the token is valid only for a period of 20 seconds. If the web page expires, for the fresh login, a new password generated by the token has to be keyed in by the customer. 2. Lowest brokerage: Reliance offers the lowest brokerage of 1 paisa which is very less with respect to the other DPs in the market. 3. User friendly software: The portal offered is very easy to understand and use. 4. Forex and offshore investment: Reliance provides the offshore facility which no other amc is providing in the market. 5. Better research and news: Reliance offers news from the DOW JONES and REUTERS.

Seeking to bring share trading closer to consumers just like ATMs, Reliance Capital's stock brokerage arm Reliance Money launched Internet trading services through webenabled retail kiosks.

D-Mat A/C Provided By Reliance Money:

Reliance Money provide its customers with the D-Mat A/C, through which they can invest their money in any Financial Instrument like Equity, Derivatives, IPOs, Life Insurance, General Insurance etc. Reliance Money handles all the key financial transactions through this Single Window. D-Mat A/C is an account in which securities are kept in Electronic form. The Scheme is as follow:

1. Cost of Having D-Mat A/C :

Opening Charges: With reliance money the A/C opening charges are Rs.750. These charges are for life time. Annual Maintenance Charges: With Reliance Money the A.M.C. is just Rs.50 that is lowest in The Share Broking Industry. No brokerage and Service Charge: Reliance Money is the first and foremost company that does not charges Brokerage and Service charge on the Sale and Purchase of Security, otherwise the Industry wide Brokerage rate lies between 0.10 to 0.75 paise on Delivery based Trading and 0.01 to 0.50 paise on Intraday Trading.

2. Flat Fee Structure :

The current leaders in the retail broking segment like ICICI Direct, India Infoline and Indiabulls offer a pay per use model where the customer pays a percentage of the amount transacted by him. Whereas Reliance Money, aims to tap investors in the smaller towns and cities through a flat fee structure instead of percentage or per transaction brokerage system. Flat Fee is charged based on the Turnover of an Investor. This model is as follows.

FLAT FEE

TIME VALIDITY

TURNOVER VALIDITY

TRADING LIMIT

Rs.500

2 Months

Rs.1,00,00,000

Delivery: 10 lacs Intraday: 90 lacs

Rs.1350

6 Months

Rs.3,00,00,000

Delivery: 30 lacs Intraday: 2.7 Crore

Rs.2500

12 Months

Rs.6,00,00,000

Delivery: 60 lacs Intraday: 5.4 Crore

Special Scheme for Small Investors:

FLAT FEE Rs.500

TIMEVALIDITY 12 Months

TURNOVER VALIDITY Rs.5,00,000

TRADING LIMIT Delivery: upto 5 lacs or Intraday: upto 5 lacs

3. 3 -Tier Service : Reliance Money provides its customers with a three tier service i.e. interlinked D-Mat A/C, Trading A/C and Savings Bank A/C. This makes the customer free to trade online and makes the trading more hassle free. Reliance Money has its tie up with three banks i.e. HDFC, IDBI and UTI Bank and customer need to have his Savings Bank Account with any of these Banks for enjoying this three tier service.

4. Convenient :Customer can access the services of Reliance Money through: The Internet-mail at www.reliancemoney.com The Transaction Kiosk The Phone (Call & Transact)-call on 3988 6000 or SMS Money to 6636.

 The All India Network of Associates on an assisted trade(through the Call Centre or the network of associates) a charge of Rs.12 per executed trade will be applicable.

5. Safe: For Security Purpose, Reliance Money provides: User ID Password Security Token Key that has a unique, six digit no. This no. changes every 32 seconds and works as a dynamic password for keeping the account extra safe. 6. Single Window access: Through Reliance Moneys associates customer can transact in :

Equity Equity and Commodity Derivatives Mutual Funds IPOs Life Insurance General Insurance Money Transfer Money Changing Credit Cards amongst others.

7. Free Tips: Customer gets free tips, current market information and reports on their:

Mobiles E-Mail IDs

8. Transaction Charges: In Online Trading per Transaction Charges are NIL whereas In Offline Trading this is Rs.12 per Transaction

9. Value Added Services: Customers can get some value added services on www.reliancemoney.com

Reliable Research, including views of external experts with an enviable track record. Live News Updates from Reuters and Dow Jones. CEOs/Expert views on the Economy and Financial Market. Tools that help customers to plan their investments, tax, retirement etc. in the personal finance section. Risk Analyzer for analysis of Risk Profile. Asset Allocators to build an appropriate investment portfolio.

Documents: For opening a D-Mat A/C with Reliance Money, following documents are needed:

Photocopy of PAN Card (both-front and back side) An address proof:

Voter ID Card Passport

Driving License Bank Statement (not older than 2 months) Rent Agreement Telephone Bill (MTNL or BSNL) Post paid Mobile Bills etc.

3 Passport size photographs of the First Holder of Account, 1 Photograph of Second Holder (if any) and 1 photograph of Third Holder (if any). A Cheque Worth Rs.750 + (500, 1350, 2500).

TRADING
In the developing country like India, every individual wants to invest his money in a hassle free way & in those Financial Instruments that may give maximum returns. People are now a days busy with their own works and thus prefer e-trading rather than going to the brokers and waiting for getting the delivery of shares in their Trading Account.

Share market is the market for securities where organized issuance and trading of shares takes place. Shares are certificates which represent ownership rights of theAs a basic result of all this, traditional investing has experienced a revolution due to the rise of the e-brokerage industry, which enables investors to use the internet to conduct secure trading. Two factors are contributing to the enormous growth of online investing. First, the Internet gives ready access to raw data. Second, investment houses can offer

transactions at lower prices than traditional methods by eliminating the need for brokers or financial advisers.

But for discussing all this, the first and foremost thing that must be known is t holder in a company. It plays an important role in channelizing capital from the investors to the business houses which consequently leads to the availability of funds for business expansion. Shares in the Share Market are either traded through:-

(a) Stock Exchange: These are organized market places where stocks, bonds are other equivalents are traded between the buyers and sellers where exchange acts as counter-party to both the participants in case of any default. (b) Over-the -Counter (OTC): These are not centralized exchanges and the trade takes place through a network of dealers. Trading is a basic economic concept that involves multiple parties participating in the voluntary negotiation and then the exchange of ones goods and services for desired goods and services that someone else possesses. The advent of money as a medium of exchange has allowed trade to be conducted in a manner that is much simpler and effective compared to earlier forms of trade, such as bartering. In financial markets, trading also can mean performing a transaction that involves the selling and purchasing of a security.

There are mainly two types of trading:-

1. Intraday trading: In this type of trading an investor buy and sell stocks during the same day. Intraday Traders are of two types :-

i. Scalp Traders: Investors who perform many trades per day for scalping out small profits out of the bid-ask spread, from each trade are known as scalp traders. ii. Momentum Traders: Investors who pounce on those stocks which move significantly in one direction and book desired profit are called momentum traders. They do this within a day.

2. Delivery trading: In this type of trading an investor buys the share for holding purposes. Delivery Traders are:-

i. Technical Traders: They believe that buying/selling signals are present within the graphs and charts of the stock. ii. Fundamental Traders: They perform trade on the basis of study of fact-sheets of the company like historical profit graph, balance sheet, anticipated earning reports, stock splits, mergers and acquisitions, etc. iii. Swing Traders: They are basically fundamental traders who take delivery of trades for a span of short period generally more than one day.

Share Broking Company offers two ways for share trading:-

(a) Offline (b) Online

Offline Trading: In this form of trading the customer has to place order to the dealer of the stock broking firm either in person or over phone. Offline trading is the main form of investing the money in securities. Offline trading offers many benefits as well.

1. The one benefit that an investor appreciates the most is that they are not alone when making investment decisions.

2. There are experienced and professional brokerage companies that handle their investments for them.

3. Investors are not faced with the challenge of making these vital investment decisions; especially, if they do not have the experience necessary to make the appropriate investments

Online Trading: The client could place his order on his own from any place he wants, provided he has a computer with an Internet connection. Online Trading has made it easy for private investors to gain straight access to a range of different security markets that were, at one point, only reserved by the use of investment professionals. Online trading has dramatically changed over the last decade. It continues to be redefined. Services have expanded to include integrated management of additional financial accounts. It has subsequently expanded in conjunction with ground-breaking improvements to the traditional trading interface, such as telephone interface systems. There are several wonderful reasons to invest online rather than offline trading.

1. Instant online access:- You can gain instant access to your account, the value of your portfolio updates immediately before your eyes.

2. Enter online trades at anytime during Market hours:- You can enter online trades at anytime and from anywhere. This is very convenient if you live in a different time zone than the country you are trading in. It especially fits for investors with busy schedules.

3. With online trading you are in charge:- You are in control of your investments. No sales pitches and no hassle. You decide where to invest your money.

Thus, online stock trading is the easy way to buy and sell shares from the comfort of your home.

Finding a company that provides you with a secure trading account can be difficult. There are many companies that will offer you excellent services for trading, but you will want to find one that meets your needs and requ irements .But you shouldnt go with a company just based on their reputation; instead you should see what they can offer you because your needs as a trader will be radically different from someone traders who have different levels of experience and who have different proclivities toward risk and security. You may not always want to look towards the most economical rate of trading but make sure you work with a reputable organization and RELIANCE MONEY is one of them.

RELIANCE MONEY FINANCIAL PRODUCTS RELIANCE LIFE INSURANCE

Reliance Life Insurance, a part of the Reliance - ANIL DHIRUBHAI AMBANI Group is India's fastest growing life insurance company and among the top 4 private sector life insurers. Reliance Life Insurance has a pan India presence and a range of products catering to individual as well as corporate needs. Reliance Life Insurance has over 700 branches and 1, 80,000 agents. It offers 26 products covering savings, protection & investment requirements. Reliance Life Insurance will endeavor to attain a leadership position in the market over the next few years, by further expanding and strengthening its distribution network and offering a diverse array of products to suit the varied and specific needs of individual customers.

What is Life Insurance?

An amount of money paid to someone (called beneficiary) when the Life Assured (in whose name the insurance policy is taken) dies. This amount can be used to pay the expenses related to Life assureds death or can be invested to generate income that will replace your salary. Life Insurance is an important tool in any investors portfolio & can be used for - wealth creation, asset building, provide for contingencies and retirement planning.

PRODUCTS OFFERED BY RELIANCE LIFE INSURANCE

RELIANCE E-TERM PLAN RELIANCE SPECIAL TERM PALN RELIANCE TERM PLAN RELIANCE SIMPLE TERM PLAN RELIANCE CREDIT GUARDIAN PLAN RELIANCE SPECCIAL CREDIT GUARDIAN PLAN

RELIANCE E-TERM PLAN

Key Features Get higher insurance protection at affordable premiums Option to choose life cover from the two options available in the plan to enhance protection Buy life insurance covers through simple online application process (conditions apply) Benefit from special rates for female lives. Tax benefit u/s 80C & 10(10D), subject to conditions What is the Policy Term? Minimum Policy Term: 10 years Maximum Policy Term: 30 years What is the Sum Assured? Minimum Sum Assured: 25, 00,000 Maximum Sum Assured: No Limit

Who can buy this product? Minimum age at entry: 18 years Maximum age at entry: 60 years Maximum maturity age: 70 years Premium payment Minimum premium : ` 3500/Maximum premium depends on the age of the life assured, policy term chosen and sum assured. This plan offers regular annual premium payment mode only Grace period for payment of premiums There is a grace period of 30 days from the due date for payment of regular premiums. RELIANCE SPECIAL TERM PLAN Key Features Get higher insurance protection at economical rates Basic premiums paid will be refunded at maturity Choose to pay Regular or Single Premium Discount on premium rates for women Choose to add the benefits of two rider to your Policy'Reliance Critical Illness Rider & Reliance Accidental Death & Total & Permanent Disablement Rider

Benefits Maturity Benefit: On Survival to maturity all premiums paid for the basic Policy are returned. This excludes any extra premium or premium for additional Benefits. Life Cover Benefit: In the unfortunate event of loss of life, your nominee will receive the Sum Assured. Rider Benefit: You also have the option to add two additional Benefits to customize the Policy as per your needs for the Regular Premium Policy Accidental Death Benefit and Total and Permanent Disablement Rider Critical Illness Rider

Reliance Critical Illness Rider Major illness causes worries and heavy expenses. Our optional Critical Conditions Cover helps provide financial relief in such cases. It pays you the Sum Assured upfront in respect of ten major illnesses. Cancer Coronary Artery Bypass Surgery Heart Attack Stroke

Kidney Failure Aorta Surgery Coma Heart Valve Replacement Major Organ Transplant Paralysis This Benefit can be availed only once against any one of the illnesses and the Company will not pay the claim if it arises from deliberate self-injury or attempted suicide by the Life Assured, whether sane or insane. This Benefit will only be given, if the diseases are confirmed by a Consultant Physician.

What is the Policy Term? Minimum Policy Term: 5 years Maximum Policy Term: Regular Premium - 30 years Single Premium -15 years Who can buy this product? Minimum age at entry: 21 years

Maximum age at entry: 60 years Minimum age at maturity: 26 years Maximum age at maturity: 64 years What is the Sum Assured? Minimum Sum Assured: ` 250,000 Maximum Sum Assured: No Limit Minimum Regular Premium: ` 1000 Minimum Single Premium: ` 3000 Flexible Premium Payment Modes Yearly Half-yearly Quarterly Monthly (only with salary deduction schemes) The Company will charge a Policy Fee, depending on the Premium Payment Mode selected by you. The Minimum Premium Installment for Single Premium is 3000 and ` 1000 for Regular Premium. The grace period for Regular Premium mode is 30 days. Advantage Women Women Policyholders have an advantage as they receive discount on premium paid. For the basic Policy, basic premium payable will be equivalent to the premium for a three-year younger male Policyholder. Tax Benefit Tax benefits under the policy will be as per the prevailing Income Tax laws. Service tax and education cess will be charged extra as per applicable rates. Tax laws are subject

to amendments from time to time and interpretations. You are advised to consult a tax expert.

RELIANCE TERM PLAN Key Features Get higher insurance protection at economical rates Optional Accidental and Disablement Rider to enhance Protection Economic allay to protect your family against financial liabilities like loss of income and outstanding loans etc. Discount on premium rates for women Suitable for business owners who want to cover the life of their key employees How does this Plan work? You pay premium every year for the entire Policy Term. On death your Beneficiary will get the Sum Assured. There is no Maturity Benefit under this plan. Benefits Life Cover Benefit: In the unfortunate event of loss of life, your beneficiary will receive the Sum Assured. Maturity Benefit: There is no Maturity Benefit payable under this Policy. Rider Benefit: You also have the option to add Accidental Death Benefit and Total and Permanent Disablement Rider.

Flexibility This Rider can be attached to your Policy at the beginning or at an Policy Anniversary during the term of the Contract, subject to underwriting conditions prevailing at that time. What is the Policy Term? Minimum Policy Term: 5years Maximum Policy Term: 30years
Sum Assured

Who can buy this product? Minimum age at entry: 21 years Maximum age at entry: 60 years Maximum age at maturity: 65 years What is the Sum Assured? Minimum Sum Assured: ` 2,50,000 Maximum Sum Assured: No Limit Minimum Premium: ` 2,000 per installment Discontinue Of Premium Will Result In

The Policy will lapse if the premiums are not paid within the grace period. The grace period is one month but not less than 30 days. However, you have the option to revive the Policy within three years from the date of lapse subject to revival conditions. The Policy is not eligible for any Paid-up or Surrender Value.

Flexible Premium Payment Modes a) Yearly b) Half-yearly c) Quarterly The Company will charge a Policy Fee, depending on the Premium Payment Mode selected by you. Advantage Women Women Policyholders have an advantage as they receive discount on premium paid. For the basic Policy, basic premium payable will be equivalent to the premium for a three-year younger male Policyholder. Tax Benefit Premiums paid are eligible for tax deduction under Section 80C of the Income Tax Act, 1961. Death Benefit is tax free under Section 10(10D) of the Income Tax Act, 1961. Under Section 80C, premiums paid upto ` 1,00,000 are allowed as deduction from your taxable income. General Exclusion The Company will not pay any claim on death if the Life Assured, whether sane or insane, commits suicide within 12 months from the date of issue of this Policy or the date of any reinstatement of this Policy.

RELIANCE CREDIT GUARDIAN PLAN Key Features Different types of loans are covered under this Policy Housing Loans, Personal Loan, outstanding on credit cards etc Limited premium paying term Single & Regular Premium payment option Discount on premium rates for women Decreasing term insurance How does this Plan work? You pay premium every year for the premium paying term you choose. The Sum Assured decreases for a given interest rate as mentioned in the Policy Document. On death, your Nominee will get the Sum Assured. No Survival Benefit is payable under this plan. Benefits In the unfortunate event of loss of life, the Nominee will receive the Sum Assured as per the Policy Schedule. What is the Policy Term? Minimum Policy Term: Regular Premium - 10 years Single Premium - 3 years Maximum Policy Term: Regular Premium - 30 years Single Premium - 15 years Who can buy this product? Minimum age at entry: 21 years

Maximum age at entry: Regular Premium - 55 years Single Premium - 60 years Minimum age at maturity: Regular Premium - 31 years Single Premium - 26 years Maximum age at maturity: 64 years What is the Sum Assured? Minimum Sum Assured: ` 250,000 Maximum Sum Assured: No Limit Minimum premium: Regular Premium - ` 1,000 Single Premium - ` 3,000 Limited Premium Paying Term The premium payment term is kept shorter than the Policy term. Hence you can protect your assets within a short period of time. The following table below illustrates the Policy term and the difference in the premium paying term. Flexible premium payment modes Yearly Half-yearly Quarterly Monthly (only with salary deduction schemes) Single Premium The Company will charge a Policy Fee, depending on the Premium Payment Mode selected by you.

Advantage Women: Women Policyholders have an advantage as they receive discount on premium paid. For the basic Policy, basic premium payable will be equivalent to the premium for a three-year younger male Policyholder. If Premium Payment Discontinues The Policy will lapse if the premiums are not paid within the grace period. However you have the option to revive the Policy within three years from the date of lapse subject to revival conditions. The Policy is not eligible for any Paid-up or Surrender Value Grace Period Regular premium: One month or 30 days from the due date for the payment of premiums. Monthly premium: 15 days. Tax Benefit Tax benefits under the policy will be as per the prevailing Income Tax laws. Service tax and education cess will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time and interpretations. You are advised to consult a tax expert.

RELIANCE SIMPLE TERM PLAN How does this Plan work? You pay premium of ` 100 every year for three years. On death, during the three year period, your Beneficiary will get 10,000. On survival to maturity nothing is payable. Policy Term

Policy Term: Three years Who can buy this product? Minimum age at entry: 18 years Maximum age at entry: 44 years Maximum age at maturity: 47 years Sum Assured Sum Assured: ` 10,000 What happens if I discontinue paying premium? If the premiums are not paid within the Grace Period, the Policy will lapse. Grace Period is one month but not less than 30 days. Premium Payment Mode Only Yearly Mode is allowed.

RELIANCE SPECIAL CREDIT GUARDIAN Key Features Different types of loans are covered under this plan Housing Loan, Personal Loan, outstanding on credit cards etc. Limited premium paying term Single and Regular Premium payment options Discount on premium rates for women Decreasing Term Insurance Option to add two Riders Reliance Critical Illness & Reliance Accidental Death & Total & Permanent Disablement Rider

How does this Plan work? You pay premium every year for the entire term. On death your nominee will get the Sum Assured. On Survival to maturity you will get the entire basic Premiums Paid will be returned. Benefits Maturity Benefit: On Survival to maturity all premiums paid for the basic Policy are returned. This excludes any extra premium or premium for additional Benefits. Life Cover Benefit: In the unfortunate event of loss of life, your nominee will receive the Sum Assured. Rider Benefit: You also have the option to add two additional Benefits to customize the Policy as per your needs for the Regular Premium Policy Accidental Death Benefit and Total and Permanent Disablement Rider Critical Illness Rider

Reliance Critical Illness Rider Major illness causes worries and heavy expenses. Our optional Critical Conditions Cover helps provide financial relief in such cases. It pays you the Sum Assured upfront in respect of ten major illnesses. Cancer

Coronary Artery Bypass Surgery Heart Attack Stroke Kidney Failure Aorta Surgery Coma Heart Valve Replacement Major Organ Transplant Paralysis

What is the Policy Term? Minimum Policy Term: Regular Premium - 10 years Single Premium - 5 years Maximum Policy Term: Regular Premium - 30 years Single Premium - 15 years

Who can buy this product? Minimum age at entry: 21 years Maximum age at entry: 60 years Minimum age at maturity: Regular Premium - 31 years Single Premium - 26 years Maximum age at maturity: 65 years What is the Sum Assured? Minimum Sum Assured: ` 2,50,000 Maximum Sum Assured: No Limit Minimum premium: Regular Premium - ` 1000 Single Premium - ` 3000 Flexible Premium Payment Modes a) Yearly b) Half-yearly c) Quarterly d) Monthly (only with salary deduction schemes) e) Single Premium The Company will charge a Policy Fee, depending on the Premium Payment Mode selected by you. Advantage Woman Women Policyholders have an advantage as they receive discount on premium paid. For the basic Policy, basic premium payable will be equivalent to the premium for a three-year younger male Policyholder.

Grace Period Regular premium: One month or 30 days from the due date for payment of premiums. Monthly Premium: 15 days. Tax Benefit Tax benefits under the policy will be as per the prevailing Income Tax laws. Service tax and education cess will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time and interpretations. You are advised to consult a tax expert.

RELIANCE MUTUAL FUND

Reliance Mutual Fund ('RMF'/ 'Mutual Fund') is one of Indias leading Mutual Funds, with Average Assets Under Management (AAUM) of Rs. 90,636 Crores and an investor count of over 58.42 and 64.53 Lakh folios. (AAUM and investor count as of Oct to Dec '12) Source: http://www.amfiindia.com/

Reliance Mutual Fund, a part of the Reliance Group, is one of the fastest growing mutual funds in India. RMF offers investors a well-rounded portfolio of products to meet varying investor requirements and has presence in 179 cities across the country. Reliance Mutual Fund constantly endeavors to launch innovative products and customer service initiatives to increase value to investors. Reliance Capital Asset Management Limited (RCAM) is the asset manager of Reliance Mutual Fund. RCAM is a subsidiary of Reliance Capital Limited (RCL). Presently, RCL holds 65.23% of its total issued and paid-up equity share capital and the balance of its issued and paid up equity share capital is held by other shareholders which includes Nippon Life Insurance Company (NLI), holding 26% of RCAMs total issued and paid up equity share capital. NLI acquired the said 26% share holding in RCAM on August 17, 2012.

PRODUCTS OF RELIANCE MUTUAL FUND

EQUITY The aim of growth funds is to provide capital appreciation over the medium to longterm. Such schemes normally invest a major part of their corpus in equities. Such funds have comparatively high risks. These schemes provide different options to the investors

like dividend option, capital appreciation, etc. and the investors may choose an option depending on their preferences. The investors must indicate the option in the application form. The mutual funds also allow the investors to change the options at a later date. Growth schemes are good for investors having a long-term outlook seeking appreciation over a period of time.

DEBT
The aim of income funds is to provide regular and steady income to investors. Such schemes generally invest in fixed income securities such as bonds, corporate debentures, Government securities and money market instruments. Such funds are less risky compared to equity schemes. These funds are not affected because of fluctuations in equity markets. However, opportunities of capital appreciation are also limited in such funds. The NAVs of such funds are affected because of change in interest rates in the country. If the interest rates fall, NAVs of such funds are likely to increase in the short run and vice versa. However, long term investors may not bother about these fluctuations.

GOLD
Gold is seen as a symbol of security and a sign of prosperity. Indian consumers consider gold jewellery as an investment and are well aware of golds benefits as a store of value. Gold is also recognized as a form of money in India, a tradable liquid asset. It is one of the foundation assets for Indian households and a means to

accumulate wealth from a long term perspective. Gold investment has been in the culture of Indian tradition and has been on rise amongst the modern investors as well due to the financial uncertainty and inflationary pressures.

EQUITY PRODUCTS Diversified large cap

Reliance Quant Plus Fund: A Moderate Large-cap Oriented Fund. It is actively managed Quant based fund focusing on constituents of S&P CNX Nifty Index. It is this fund is suitable for those investors who are seeking capital appreciation and growth vis-vis the benchmark index in all market conditions by investing in a concentrated active portfolio of frontline stocks which is constructed on the basis of a mathematical model. The fund can be viewed as an additional asset allocation option by the investors. Reliance Top 200 Funds: A Conservative Largecap Oriented Fund. The Scheme will invest in equity or equity related instruments of companies whose market capitalization is within the range of highest & lowest market capitalization of BSE 200 Index. The selection of the companies will be done so as to capture the growth in the Indian economy. The fund will be focusing on companies having good liquidity in the stock market Reliance NRI Equity Fund: A Conservative Large cap Oriented Fund. It is an exclusive offering for NRIs having a large cap oriented portfolio with focus on stable companies. It is reliance NRI Equity Fund is suitable for NRI investors who are seeking exposure to diversified equity space to participate in the strong trajectory of India growth story. Reliance Equity Fund: A Moderate Large-cap Oriented Fund. It is large-cap Fund that aims to capitalise on long and short opportunities. It is a useful product in every

investors portfolio as it intends to reduce volatility and reduce downside risks by using innovative P/E based hedging/shorting strategies Reliance Quant Plus Fund: A Moderate Large-cap Oriented Fund. It is actively managed Quant based fund focusing on constituents of S&P CNX Nifty Index. It is this fund is suitable for those investors who are seeking capital appreciation and growth vis-vis the benchmark index in all market conditions by investing in a concentrated active portfolio of frontline stocks which is constructed on the basis of a mathematical model. The fund can be viewed as an additional asset allocation option by the investors. Reliance Top 200 Fund: A Conservative Largecap Oriented Fund. The Scheme will invest in equity or equity related instruments of companies whose market capitalization is within the range of highest & lowest market capitalization of BSE 200 Index. The selection of the companies will be done so as to capture the growth in the Indian economy. The fund will be focusing on companies having good liquidity in the stock market. Reliance NRI Equity Fund: A Conservative Large cap Oriented Fund. It is an exclusive offering for NRIs having a large cap oriented portfolio with focus on stable companies. It is reliance NRI Equity Fund is suitable for NRI investors who are seeking exposure to diversified equity space to participate in the strong trajectory of India growth story. Reliance Equity Fund: A Moderate Large-cap Oriented Fund. It is large-cap Fund that aims to capitalise on long and short opportunities. It is a useful product in every investors portfolio as it intends to reduce volatility and reduce downside risks by using innovative P/E based hedging/shorting strategies

Reliance Vision Fund: A Moderate Large-cap Oriented Fund. It is large-cap fund with

a small exposure to mid cap stocks. It is the fund is ideal for those investors who are seeking a higher exposure to liquid large-cap stocks for capital appreciation & growth and considerably lower exposure to debt markets for consistent returns.

Diversified Muti Cap

Reliance Equity Opportunities Fund: A Moderate Multi cap Oriented Fund. It is multicap, trend based with the flexibility to be overweight in a particular sector or market caps depending on the potential & opportunities as they arise. It is the fund is suitable for those investors who want added diversification to portfolio by investing across sectors and m caps with a medium term investment horizon Reliance Regular Savings Fund - Equity Plan: An Aggressive Multi cap Oriented Fund. It is an aggressive multi cap oriented portfolio. It is the fund is ideal for those investors who seek long term capital growth by investing in a portfolio having the flexibility to capitalize on market trends in volatile situations by adopting a multi-cap strategy

Diversified theme based

Reliance Infrastructure Fund: A Moderate Multi cap Oriented Fund. It is the fund aims to invest in companies operating & listed in India engaged in infrastructure & infrastructure related activities. It follows a multi cap strategy with a medium to long term investment horizon. It is a product for those investors who want to take exposure in India's infrastructure growth story with a medium to long term investment horizon.

Reliance Natural Resources Fund: An Aggressive Large Cap Oriented Fund. It is large cap oriented fund that allows the investor to participate in Indian and Global stocks of issuers in natural resources industries. The fund does not invest in natural resources themselves. It is the fund is ideal for those investors who want to invest in those sectors which are scarcely available in Indian & Global Markets.

Sector
Reliance Banking Fund: A Moderate Multi cap Oriented Fund. It is the fund aims to generate consistent returns by investing in equity / equity related or fixed income securities of companies belonging to the Banking Sector. The fund follows an active strategy of management with endeavor to generate alpha and outperform the Banking Index. Reliance Diversified Power Sector Fund: A Moderate Multi cap Oriented Fund. It is the fund focuses on companies related to power sector. It provides opportunity to diversify within the sector, with focused approach and flexibility to invest in power distribution, transmission and generation related companies.

Reliance Media Entertainment Fund: A Moderate Multi cap Oriented Fund. It is a sector specific fund which focuses on investing in companies related to media & entertainment sector. Reliance Pharma Fund: A Moderate Multi cap Oriented Fund. It is a dynamic asset allocation sector fund which aims to generate consistent returns by investing in all Important segments of the pharmaceutical industry.

Diversified mid and small cap

Reliance Growth Fund: A Moderate Mid cap Oriented Fund. It is mid-cap Fund with small exposure to large cap stocks. It is the fund is ideal for those investors who are seeking a higher exposure to mid-cap s tocks for capital appreciation & growth and considerably lower exposure to debt markets for consistent returns Reliance Long Term Equity Fund: An Aggressive Mid cap and small-cap Oriented Fund. It is poised to Take Benefits of Opportunities in Mid Caps and Small Caps. It is ideal for those investors who want to capitalize on opportunites in small and mid cap space with a long term investment horizon of more than 3 years Reliance Small Cap Fund: A Very Aggressive small- cap oriented fund. It is a relatively high risk/high return oriented fund which shall predominantly invest in small cap companies/stocks with an objective to maximize the returns and at the same time trying to minimize the risk by reasonable diversification. Small Cap stocks for the purpose of the Fund, are stocks whose market capitalization is in between the highest and lowest market capitalization of companies on BSE Small Cap Index at the time of investment. Reliance Small Cap Fund will be a vital part of an investor's core portfolio that aims to create alpha for his/her investment.

Tax saver
Reliance Tax Saver (ELSS) Fund: Reliance Tax Saver Fund is an equity-linked savings scheme (ELSS) that invests into equity and equity-related instruments to provide long-term equity growth potential to investors. The scheme has a mandatory

lock-in period of 3 years and offers tax benefit under Sec 80 C of the Income Tax Act, 1961. Reliance Equity Linked Saving Fund Series 1: (A 10 year close-ended Equity Linked Savings Scheme) The primary objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in equities along with tax benefits.

Index

Reliance Index Fund Sensex Plan: A Conservative Large Cap Oriented Index Linked Fund. It is passively managed fund which aims to mirror BSE SENSEX so as to commensurate with the performance of the underlying Index, subject to tracking errors. It is ideal for those investors who would like to participate in the India growth story by investing in well-diversified portfolio of well known large cap companies. R Share Cnx 100 Fund Investment Objective: The investment objective of the scheme is to provide investment returns that, before expenses, closely correspond to the total returns of the securities as represented by the CNX 100 Index, subject to tracking errors However, there can be no assurance or guarantee that the investment objective of the Scheme will be achieved Arbitrage A Conservative Arbitrage Fund. It is the fund aims to generate income through arbitrage opportunities arising out of pricing mismatch in a security between cash and derivative segment and with derivatives segment along with investments in debt

securities and money market instruments. It is reliance Arbitrage Advantage Fund would prove to be an apt product for those investors who want to remain conservative and invest in retavily less reisky portfolio.

Banking
R Shares Banking ETF:The investment objective of Reliance Banking Exchange Traded Fund (RBETF) is to provide returns that, before expenses, closely correspond to the total returns of the securities as represented by the CNX Bank Index. However, the performance of Scheme may differ from that of the underlying index due to tracking error.

Balanced
Reliance Regular Savings Fund - Balanced Plan: A Conservative Large & Mid cap Oriented Fund A hybrid equity oriented portfolio focusing on well managed, high quality large cap stocks as well as mid cap stocks Ideal for those have a balanced approach towards risk taking ability.

DEBT PRODUCTS Ultra short term plan

Reliance Money Manager Fund: This fund belongs to the family of ultra short term debt funds with very low exposure to MTM instruments. The fund is managed with a relatively conservative approach to credit risk and duration as compared to Reliance Medium Term Fund & Reliance Floating Rate Fund - Short Term Plan. As a result of

having a higher credit profile and a low MTM component, the returns may be less volatile than Reliance Medium Term Fund & Reliance Floating Rate Fund - Short Term Plan. The fund portfolio is designed to generate a moderate yield pick up over liquid funds and is suitable for investors with investment between 1 week to 1 month. It is suitable for investors with investment between 1 week to 1 month. Reliance Medium Term Fund: This fund belongs to the family of ultra short term debt funds, with moderate exposure to MTM assets. The portfolio is positioned at the shorter end of the yield curve but has a leeway to take marginal exposure to securities upto 1 year maturity in case value is identified at that part of the curve. This fund can marginally enhance the credit risk profile of the portfolio to enhance returns. The NAV of the fund may be a little more volatile than a liquid fund because of a higher MTM component in the fund. The fund is suitable for investors with an investment horizon of 1 month or more. It is suitable for investors with an investment horizon of 1 month or more. Reliance Floating Rate Fund Short Term Plan: The fund belongs to the category of Ultra Short Term Funds. A significant portion of the fund is mandated to invest in a combination of debt securities, money market instruments and floating rate instruments with a maturity profile of three months and up to 2 years. This fund may have a slightly more aggressive credit and duration profile compared to Reliance Money Manager fund and Reliance Medium Term Fund and therefore would be suitable for investors with minimum 3 months holding period. It is suitable for investors with minimum 3 months holding period.

Money market funds

Reliance Liquid Fund - Cash Plan: This fund also belongs to the family of Liquid Funds. The fund is managed with a relatively conservative approach to credit risk as compared to other liquid funds. Large part of the portfolio will be invested in the banks/financial institution space to achieve this objective. The fund is suitable to park very short term investment surplus for a duration ranging from a day to a month. It is suitable to park very short term investment surplus for a duration ranging for 1 day to 1 week. Reliance Liquid Fund - Treasury Plan: This fund belongs to the family of Liquid Funds. It is targeted towards varied investor categories like retail/SMEs/HNIs due to which the minimum investment amount in the fund is Rs 5000. Since the fund is targeted towards a diverse investor base, the AUM of the fund is relatively more stable in nature. This is reflected in its portfolio wherein there is a relatively lower allocation to relative cash and cash like instruments. Also because of a more diversified investor base, the marketing expenses on an average are slightly higher than Reliance Liquidity Fund resulting in relatively higher expense charged. It is meant for short term cash management & is suitable investors with investment horizon between 1 day to 1 week. Reliance Liquidity Fund: The fund belongs to the family of Liquid Funds. It is designed to handle extremely large ticket size investments with the minimum application amount being Rs. 1 crore. Since the fund is meant for large ticket size investors, therefore, on an average maintains low total expense ratio resulting from low marketing expense. The portfolio endeavors to maintain a larger proportion of assets in liquid, cash and near cash instruments to handle the possibility of larger volatility in a smooth manner. It is

meant for short term cash management for corporate & is suitable investors with investment horizon between 1 day to 1 week.

Short term funds

Reliance Dynamic Bond Fund: The fund has a dynamic asset allocation structure enabling complete flexibility in investment in debt instruments which may include investments in corporate and PSU bonds, Government Securities, money market instruments, securitized debt etc of varying tenors and the quantum of investments in any of the above mentioned categories is also flexible. Therefore, the fund intends to take medium term calls on interest rates and take significant bets on the same. A significant portion of the funds pie shall be invested in higher rate corporate bonds, money market instruments and gilts. Credit call, if at all, will be taken on low duration securities. It is suitable for investors with minimum 6 months holding period. Reliance Short Term Fund: The fund belongs to the family of income funds. It is suitable for investors with short to medium term investment horizon of 6 9 months and medium appetite for risk. The fund predominantly invests in various debt instruments like Government and Corporate bonds, Securitized Debt, Money Market Instruments etc and normally maintains a moderate maturity of the portfolio between 1- 2 years. It is suitable for investors with short to medium term investment horizon of 6-9 months medium appetite for risk

Long term funds

Reliance Regular Savings Fund Debt Option: This fund belongs to the family of income funds. This fund is positioned towards the retail/HNI/SME kind of fixed income

investors. The fund has a limit on the amount that the investor can invest in a month. The fund basically seeks to benefit from any opportunity available in the debt market space at different points in time. Therefore, this fund invests based on short to medium term interest rate view and shape of the yield curve. It typically maintains a moderate duration between 1 - 2 years and invests in well researched credits/ structures for yield enhancement. The fund is intended towards ensuring that the investors have a healthy holding period return over 1-2 years.

Reliance Income Fund: This fund belongs to the family of income funds. It is suitable for investors with medium to longer term investment horizon of 12 months and more and medium to high appetite for risk. Income funds mainly invest in debt securities of varying maturity periods, i.e. both in short term and long term debt instruments like Government and Corporate bonds, Securitized Debt, Money Market Instruments etc, depending on the fund managers view of the market.

Suitable for investors with medium to longer term investment horizon of 12 months and more and medium to high appetite for risk. Reliance Gilt Securities Fund: This fund belongs to the family of Gilt Funds. It predominantly invests in a portfolio comprising of securities issued and guaranteed by the Central Government and State Government, hence has a higher credit profile. It has a very low credit risk profile. However, it can run extremely long durations and therefore, have a higher interest rate risk profile. It is suitable for investors with an investment horizon of 12 months and longer who have a positive view on falling interest rates. Suitable for investors with an investment horizon of 12 months and longer who have positive view on falling interest rates.

Monthly income plans

Reliance Monthly Income Plan: This is a hybrid fund with marginal allocation to equity which may go up to maximum 20%. This is ideal for a predominantly fixed income investor with a marginal appetite for equity risk. The investment horizon in this fund should typically be 2 years or more so that the long term benefit of having a marginal exposure to equity pays off. The fund intends to offer a predominantly fixed income investor the power of equity along with the stability of debt. It is suitable for investors with

GOLD PRODUCTS Gold exchange traded funds

R Shares Gold ETF: (An open-ended Gold Exchange Traded Fund) The investment objective is to seek to provide returns that closely correspond to returns provided by price of gold through investment in physical Gold (and Gold related securities as permitted by Regulators from time to time). However, the performance of the scheme may differ from that of the domestic prices of Gold due to expenses and or other related factors. Gold saving fund Reliance Gold Savings Fund: Gold is seen as a sign of prosperity. Indian consumers consider gold jewellery as an investment and are well aware of golds benefits as a

store of value. Gold is also recognized as a form of money in India, tradable liquid assets.

RELIANCE GENERAL INSURANCE

Reliance General Insurance, a part of the Reliance - Anil Dhirubhai Ambani Group and a Subsidiary of Reliance Capital, is one of the first non-life companies to get the license from the IRDA. Reliance General Insurance is India's fastest growing general insurance company and the top 3 private sector insurers.

Reliance General Insurance has 200 branches across 171 cities and over 20,000 intermediaries. Reliance General Insurance offers an exhaustive range of insurance products that covers most risks including Auto, Health, Property, Marine, Casualty and Liability. Insurance Indemnifies Assets & Income. Every Asset has a value and generates Income to its Owner. There is a normally expected Life-time for the Asset during which time it is expected to perform. If the Asset gets lost earlier, being

destroyed or made Non-functional through an Accident or other unfortunate event the Owner is Prejudiced. Insurance helps to reduce CONSEQUENCES of such Adverse Circumstances which are called Risks RELIANCE GENERAL INSURANCE PRODUCTS MOTOR INSURANCE PRIVATE CAR INSURANCE Cashless facility @ network garages Optional Personal Accident cover of up to Rs. 10 Lakh Reimbursement of towing charges up to Rs. 1,500 POLICY COVERAGE

The policy coverage is wide and encompasses many aspects, from the vehicle to the owner to any third party involved in a liability concerning the vehicle that is insured. Vehicle Damage: The Reliance Private Car Package Policy covers loss or damage to vehicle due to:

Accident, fire, lightening Self-ignition, explosion Theft Riot and strike, malicious act, terrorism Earthquake, flood, cyclone and inundation Transit by rail, road, air and elevator TWO WHEELER INSURANCE Comprehensive insurance of your two wheeler Optional Personal Accident cover of Rs. 2 lakh Super fast Service with 24/7 emergency helpline service

KEY ADVANTAGES Complete Cover Reliance Two Wheeler Package Policy gives you complete insurance cover on the road and off it. It covers your two-wheeler against accidents, theft, natural calamities etc It will also gives you personal accident insurance cover and third party liability cover

Facilities for your convenience Whenever you need us, we are just a phone call away. Call us at 1800 103 1999 (Claims) and 022 41112600 (Charges apply) Super-fast service Instant policy issuance through online and on call (1800 3002 8282) We value your time and when you call in a claim we respond immediately We also make sure that a survey is done in the quickest possible time Attractive Discounts Avail the 'No Claim Bonus', if no claims were made the previous year on your existing policy. Option of transferring 'No Claim Bonus' to your new vehicle also available. CONSUMMER VEHICLE INSURANCE A Commercial Vehicle Insurance helps you complete your journey ad also achieve new heights in your business, by all means. Our Goods Carrying Vehicle / Passenger Carrying Vehicle Package Policy is one such companion during your journey which covers your legal liability towards third parties for personal injury, death and property damage from any accident involving your vehicles. Commercial Vehicle Insurance Key highlights Liability to third party death of or bodily injury to any person caused by or arising out of your insured vehicle damage to third party's property by use of your insured vehicle Loss or damage to vehicle due to:

fire explosion self ignition or lightning burglary, housebreaking, theft riot, strike earthquake flood, typhoon, hurricane, storm, tempest, inundation cyclone, hailstorm, frost accidental external means malicious act terrorist activity landslide rockslide HEALTH POLICY

HEALTH GAIN POLICY

Unexpected illness / accidents result in expensive hospitalization, which in turn takes a toll on your savings. To ensure that your health & wealth stays fit, we have a unique health plan which will protect you against ever increasing medical costs and would provide a flexibility to increase your coverage with time to meet upto to ever increasing health costs. This product gives protection for the Individual(s) as well as the entire family under Single Policy. The Policy covers hospitalization expenses incurred by the Insured Person for treatment of illness or injury with many other Benefits at competitive premium.

Special Privileges for covering girl child and single woman

Re-instatement of Base Sum Insured Claim & Policy Service Guarantee No maximum entry age for Sum Insured of Rs 300,000 Auto extension of policy for tenure of 1 year in case of named critical illness. Family benefit giving comprehensive protection to your family members under Individual policy cover Wide range of Sum Insured varying from Rs 3 Lakh to Rs 18 Lakh Wellness Services Lifelong renewal Pre-existing Diseases are covered after 36 months of continuous coverage RELIANCE HEALTH WISE INSURANCE POLICY FEATURES No premium loading after a claim No- sub-limit No capping No Co-payment Cashless facility @ 4,000+ Network hospitals Seeing your family in the best of health is your utmost priority. Yet, despite your best efforts, unexpected illness/ accidents do occur, that can take a toll on your savings. We offer you healthcare insurance with Reliance Health Wise policy that provides financial assistance to you and your family, it covers you against hospitalization expenses towards diseases / illness / injury in India along with a host of value added covers.

Reliance Health Wise Insurance policy(Standard Plan) comes with Unique features that gives you the best advantage at all times Choice of Sum insured: 2 lacks, 3 lacks, 4 lacks & 5 lacks No medical tests for persons up to 45 years with clean medical history Basic coverage of Hospitalization due to Illness/ accident All plans Associated covers like: -Hospitalization expenses -Domiciliary Hospitalization -Day Care Treatment -Pre & Post Hospitalization cover -Nursing Allowance -Pre existing coverage after 4 years of renewal -Cost of Health Check up reimbursement after 4 claim free years Value added covers like: -Road Ambulance service -Expenses on accompanying person Maximum entry age : 65 Years Income Tax Benefits 50% reimbursement on pre acceptance medical test charges for accepted proposals

RELIANCE INDIVIDUAL PERSONAL ACCIDENT INSURANCE FEATURES Maximum coverage with minimal paper work. Simple and easy Claim Process Provides compensation to the family in case of accidental death and disablement. Accidents can happen anywhere, anytime and sometimes even the smallest of its kind puts your finances in a fix. Reliance Individual Personal Accident Policy is one of the key security measures to undertake for providing financial security in case of an accident. It ensures that your family does not suffer in event of an accident by providing compensation for accidental death or disablement. RELIANCE CRITICAL ILLNESS POLICY Health insurance for 10 critical illness/ surgeries No medical check-up up to 45 years of age Income Tax benefits under Section 80 D With Reliance Critical Illness Insurance policy we provide you health coverage for ten critical illness/ surgeries without any medical check up to the age of 45 years. Apart from this, you also get income tax benefits to ensure that you continue to enjoy the standard of living that you enjoyed before a critical illness.

This Policy is available over & above the reimbursement of the regular Health Insurance Policies. For the first time in India, we have a policy that caters to Life Threatening and Lifestyle disabling diseases.

TRAVEL INSURANCE
RELIANCE OVERSEAS TRAVEL INSURANCE POLICY

Maximum Coverage with Minimal paper work Instant Policy Issuance through online Cover your home in India, while you are abroad Overseas travel is a great experience. But even the best planned trips can go haywire due to unforeseen glitches that can make your travel experience a nightmare. Reliance Travel Care Policy is specially designed to give you comprehensive travel

insurance that covers you against unanticipated medical and non medical expenses, so that you can relax and make the most of your trip. Travel Insurance for Individuals and family travelling World-wide

Inclusive U.S & Canada Exclusive U.S & Canada

There are multiple plans to choose from and the sum insured offered is $50,000, $100,000, $250,000 and $500,000 basis the plan chosen RELIANCE ANNUAL MULTI TRIP INSURANCE POLICY Comes with one year validity

Wide Choice from Elite, Plus and Standard plan variants Speedy and hassle free claim settlement If you are a frequent flyer, then getting insurance for every overseas journey that you make can get tedious. Reliance Travel Care Annual Multi-trip Policy is specially designed for frequent international travelers that provides comprehensive travel insurance for your trips across the year. RELIANCE SENIOR CITIZENS TRAVEL INSURANCE POLICY

Custom Made coverage for medical expenses No medical checkup needed Specially designed for senior citizens in the age group 61-70 years Medical costs abroad are really high. Hence it is important that our senior citizens must avail travel insurance to protect themselves from unexpected illness or accidents. Reliance Travel Care Policy Senior Citizens gives you comprehensive travel insurance by providing you cover for medical and non medical expenses that may arise during your trip abroad.

STUDENT TRAVEL
RELIANCE STUDENT TRAVEL INSURANCE POLICY Custom made plan A special Basic Plan offering only non-medical benefits Maximum coverage with minimal paperwork

We value your dreams and aspirations and we will be glad to assist you in realizing them. The Reliance Travel care Insurance policy is specially designed to provide you comprehensive student travel insurance meeting the norms of your university. This policy provides overseas student health insurance and covers other non medical expenses as well, so that you have a stress free student life abroad.

HOME INSURANCE
RELIANCE HOUSEHOLDER'S PACKAGE POLICY Covers burglary & Housebreaking Covers Domestic electrical appliances Covers structure & contents of house

RELIANCE HOUSEHOLDERS' PACKAGE POLICY COVERAGE:

Reliance Home Insurance Package policy gives you coverage under various heads. Check out our new products and please do follow the simple and easy steps for premium calculation. We promise to save a lot for you in return of your precious time spent with us. This policy gives you cover under various heads. Of these, cover against Fire and Allied Perils is compulsory. You can choose any two of the other covers to complete the house insurance policy.

RESEARCH METHODLOGY
Research methodology means the method carried out to study the problem. It shows the type of the sample design used, its size and the procedure used to dew sample. The extent of precision achieved and the method used for handling any special problem during the course of the study. 1.3.1 RESEARCH DESIGN The purpose of methodology section in the report making is to describe the research process that is followed while doing the main part. The research design plays a pivotal role in the quality and content of the data in making of any project report. The type of Research design chosen is seen to have a bearing on all the aspects of report writing. The research design undertaken for the study was the exploratory one. The reasons for using the exploratory research method were to obtain qualitative data and also since the nature of study is as such that it required the exploration of various aspects within and outside the company.

In order to carry out a well researched analysis efforts were taken to collect enough information from the respondents. For this purpose various primary and secondary sources were used. This would however include the research design, the sampling procedure, and the data collection method. This section is perhaps difficult to write as it would also involve some technical terms and may be much of the audience will not be able to understand the terminology used. The methodology followed by the researcher, during the preparation of the report was:

PRIMARY DATA SECONDORY DATA

DATA COLLECTION

PRIMARY DATA-Primary data is that kind of data that is collected by the investigator himself for the purpose of the specific study. The data such collected is original in character. The advantage of this method of collection is the authentic.

SECONDORY DATA-When an investigator uses the data that has been already collected by others is called secondary data. The secondary data could be collected from Journals, Reports, and various publications. The advantages of the secondary data can be It is economical, both in terms of money and time spent .The researcher of the report also did the same and collected secondary data from various internet sites like Google.com, altavista.com and many more. The researcher of the report also visited various libraries for collection of the introduction part.

SAMPLE DESIGN POPULATION The population was randomly selected in the lucknow in different areas like gomti nagar, alambagh, lda colony. SAMPLE SIZE The survey is conducted among 100 respondents

SAMPLING METHOD The sampling procedure used was random sampling. The mode of survey was of personal interview, where the respondents filled up the questionnaires. A Set Of Questions Were Put Together In The Form Of Questionnaire With 8 Questions. The method of sampling was the Random METHOD OF DATA COLLECTION Instrument for Data Collection A questionnaire was designed to collect all the data which contained both open ended and close ended questions. Drafting of a Questionnaire A semi structured kind of questionnaire was designed which contained both open- ended and multiple choice questions. The questionnaire designed was to provide dual information sharing type, it is seriously undertaken that anyone who is undergoing the process, should find his interest in filling the questionnaire. The questionnaire was equally important both to the customers as well as to the retail industry. The questionnaire was designed to meet all the objectives of the survey fully and helped us in knowing the challenges faced by organized and unorganized retail industry in India.

DATA ANALYSIS AND INTERPRETATION

1. ANNUAL INCOME THIS CAN BE REPRESENTED AS ANNUAL INCOME PERCENTAGE 31% 47% 21% 1% >250000 250000-400000 400000-800000 <800000

ANNUAL INCOME

31% 47% 21% 1%

INTERPRETATION ABOVE PIE CHART SHOWS THAT ANNUAL INCOME OF RS. 250000-400000 THIS GROUP INVESTS MORE THAN OTHER GROUPS.

2. DO YOU INVEST THIS CAN BE REPRESENTED AS INVESTMENT DECISION YES NO NO. OF PERSONS 84 16

INVESTMENT DECISION
90 80 70 60 50 40 30 20 10 0 YES NO INVESTMENT DECISION

INTERPRETATION THIS SHOWS THAT MOST OF THE MAKE INVESTMENT.

3. WHAT PERCENTAGE OF SAVING DO YOU INVEST? THIS CAN BE REPRESENTED AS:

%AGE OF SAVING INVESTED 10-15% 15-30% <30%

NO. OF PERSONS 30 62 8

%AGE INVESTED

10-15% 15-30% <30%

INTERPRETATION ACCORDING TO ABOVE GRAPH MOST OF THE PEOPLE INVEST THEIR 15-30% OF THEIR SAVING.

4. PRIMARY GOAL OF INVESTMENT. THIS CAN BE REPRESENTED AS: INVESTMENT GOAL EDUCATION HOUSE RETIREMENT BENEFITS NO. OF PERSONS 30 14 56

INVESTMENT GOAL
60 50 40 30 20 10 0 EDUCATION HOUSE RETIREMENT BENEFITS INVESTMENT GOAL

INTERPRETATION THIS SHOWS THAT MOST OF THE PEOPLES PRIMARY GOAL OF INVESTMENT IS RETIREMENT BENFITS. AND THEY ASLO INVEST FOR EDUCATION BUT LESS THAN RETIREMENT BENEFITS AND MORE THAN HOUSE.

5. PREFERABLE PERIOD OF INVESTMENT. THIS CAN BE REPRESENTED AS:

PREFERABLE PERIOD SHORT TERM LONG TERM

PERCENTAGE 73 27

PERIOD

SHORT TERM LONG TERM

INTERPRETATION THE ABOVE DIAGRAM REPRESENTS THAT SHORT TERM INVESTMENT IS PREFERED THAN LONG TERM.

6. HAVE YOU EVER IINVESTED IN RELIANCE FINANCIAL PRODUCTS. THIS CAN BE REPRESENTED AS:

INVESTMENT IN RELIANCE YES NO

PERCENTAGE 78 22

PERCENTAGE
80 70 60 50 40 30 20 10 0 YES NO PERCENTAGE

INTERPRETATION ACCORDING TO THE ABOVE GRAPH 64% OF PEOPLE INVEST IN RELIANE FINANCIAL PRODUCT. THIS MEANS THAT THEY ARE AWARE OF DIFFERENT PRODUCTS OF RELIANCE.

7. WHICH INVESTMENT PLAN DO YOU USE, OFFERED BY RELIANCE MONEY? THIS CAN BE REPRESENTED AS: PRODUCT USED FIXED DEPOSISTS MUTUAL FUND EQUITIES INSURANCE OTHERS NO. OF PERSONS 16 18 37 27 2

PRODUCTS UES

FD MUTUAL FUND EQUITIES INSURANCE OTHERS

INTERPRETATION THE ABOVE DIAGRAM REPRESENTS THAT PEOPLE PREFER INVESTING IN EQUITIES THAN OTHER PRODUCTS.

8. WHICH TYPE OF FUND DO YOU INVEST? THIS CAN BE REPRESENTED AS: TYPE OF FUND TAX SAVER INDEX FUND SECTORIAL FUND PERCENTAGE 54 18 28

TYPE OF FUND

TAX SAVER INDEX FUND SECTORIAL FUND

INTERPRETATION THIS SHOWS THAT PEOPLE INEVEST USE TO PREFER TAX SAVER FUND MORE THAN OTHERS

9. ARE YOU SATISFIED WITH PORTFOLIO MANAGEMENT MANAGED BY RELIANCE? THIS CAN BE REPRESENTED AS: SATISFACTION LEVEL OF PORTFOLIO MANAGEMENT OF RELIANCE YES PERCENTAGE 74

NO

26

SATISFACTION LEVEL
80 70 60 50 40 30 20 10 0 YES NO SATISFACTION LEVEL

INTERPRETATION 74% OF RESPODENTS ARE SATISFIED BY RELIANCE PORTFOLIO MANAGEMENT MANAGED BY RELIANCE. THIS SHOWS THAT RELIANCE RELIANCE SERVICES ARE GOOD.

10. HOW MUCH RETURN DO YOU EXPECT? THIS CAN BE REPRESENTED AS: EXPECTED RETURN 5-10% 10-20% MORE THAN 20% NO. OF PERSONS 28 45 11

EXPECTED RETURN

5-10% 10-20% <20%

INTERPRETATION ACCORDING TO THE ABOVE PIE CHART IT CAN BE SEEN THAT MOST PEOPLE EXPECT 10-20% RETURNS.

11. WHAT PERCENTAGE OF RETURN ARE YOU GETTING CURRENTLY? THIS CAN BE REPRESENTED AS: CURRENT RETURN 5-10% 10-20% <20% PERCENTAGE 53% 42% 5%

CURRENT RETURN
60 50 40 30 20 10 0 5-10% 10-20% >20% CURRENT RETURN

INTERPRETATION THIS REPRESENTS THAT RESPODENTS GET 5-10% RETURN WHILE THEIR EXPECTATION IS HIGH.

12. WHICH VALUE ADDED SERVICES ARE YOU USING? THIS CAN BE REPRESENTED AS: VAS ATM ECS ONLINE TRANSACTIONS DIRECT INVESTMENT NO. OF PERSONS 36 17 20 27

VAS
40 35 30 25 20 15 10 5 0 ATM ECS ONLINE TRANSACTIONS DIRECT INVESTMENT VAS

INTERPRETATION 36% USES ATM ,17% USES AS ECS, 20% USES ONLINE TRANNSACTIONS AND 27% USES DIRECT INVESTMENT.

13. IN WHICH AREAS DO YOU WANT RELIANCE FINANCIAL PRODUCT TO IMPROVE? THIS CAN BE REPRESENTED AS: AREAS TO IMPROVE CUSTOMER SEVICES MONITORING FUNDS AGENT TRAINING OTHERS PERCENTAGE 27 24 42 7

AREAS TO IMPROVE

CUSTOMER SERVICES MONITORING FUNDS AGENT TRAINING OTHERS

INTERPRETATION RESPODENTS WANT THAT RELIANCE SHOULD IMPROVE THEIR MONITORING FUNDS .

14.ARE YOU SATISFIED WITH YOUR INVESTMENT PLAN? THIS CAN BE REPRESENTED AS: SATISFACTION LEVEL YES NO PERCENTAGE 74 26

SATISFACTION LEVEL
80 70 60 50 40 30 20 10 0 YES NO SATISFACTION LEVEL

INTERPRETATION MOST OF THE RESPODENTS ARE SATISFIED WITH THEIR INVESTMENT PLAN.

FINDINGS
Awareness needs to be created amongst the masses about the importance of RELIANCE MONEY PRODUCT and its services.. People are reluctant to invest due to recession thus incentives should be offered A lot of stress has been laid on spreading the information regarding the financing schemes in the report. In this context Reliance is constrained because it can advertise only in a statutory format approved by the NHB. But advertising is absolutely essential and the corporation must advertise within the framework prescribed by the NHB. To conclude, it can be said that the biggest asset of RELIANCE is its goodwill and the corporation must exploit this goodwill to the maximum possible extent to increase the participation of the general public at large

CONCLUSION
Reliance money offers a wide choice of products It allows to invest in shares, mutual funds and other financial products for investing in the stock market. With Reliance money one can manage own de-mat and bank accounts directly and independently. Reliance money also offers various customer services which are considered heavily while choosing a financial company. Even during recession satisfactory number of people are ready to invest in Reliance money mutual funds. Reliance customers are more satisfied with the quality services. Holding securities in electronic form gives some far-reaching advantages to the investors. Reliance money also offers various insurance schemes for various consumers. Over all in current financial scenario Reliance money offers satisfactory financial products for various financial needs of the consumers

SUGGESTION
The most vital problem spotted is of ignorance. Investors should be made aware of the benefits. Nobody will invest until and unless he is fully convinced. Investors should be made to realize that ignorance is no longer bliss and what they are losing by not investing. Mutual funds offer a lot of benefit which no other single option could offer. But most of the people are not even aware of what actually a mutual fund is? They only see it as just another investment option. So the advisors should try to change their mindsets. The advisors should target for more and more young investors. Young investors as well as persons at the height of their career would like to go for advisors due to lack of expertise and time. The advisors may try to highlight some of the value added benefits of Mutual funds such as tax benefit, rupee cost averaging, and systematic transfer plan, rebalancing etc. these benefits are not offered by other options single-handedly. So these are enough to drive the investors towards mutual funds. Investors could also try to increase the spectrum of services offered. Now the most important reason for not availing the services of advisors was spotted was being expensive. The advisors should try to charge a nominal fee at the beginning. But if not possible then they could go for offering more services and benefits at the existing rate. They should also maintain their decency and follow the code of ethics so that the investors could trust upon them. Thus the advisors should try to attract more and more persons and turn them into investors and finally their clients.

LIMITATIONS OF THE STUDY

Making the project helped me to have an overview over various aspects of consumer behavior in Finance sector through practical applications and information, but while making the project I had to o through some limitations. These were:Time was the biggest constraint in my research study, since it did not gave me the direction to spend the kind of attention, which I would have otherwise spend. . I was not able to collect much of primary data for my project because I was not able to talk to many persons of the society. Some of the people involved in the survey were not co-operative. Traveling at various location to collect data was a very tiring and a hectic . Time and money were my were the two biggest obstacles which slowed down my Project as well as my daily schedule.

APPENDICES
QUISTIONNAIRE PERSONAL DETAILS NAME: ADDRESS: OCCUPATION: MAILING ADDRESS: CONTACT NO: I AM THE STUDENT OF STEP-HBTI, DEPARTMENT OF MANAGEMENT STUDIES, KANPUR AND PRESENTLY DOING A PROJECT ON INVESTMENT PERCEPTION ABOUT RELIANCE MONEY FINANCIAL PRODUCT. I REQUEST YOU TO KINDLY FILL THE QUESTIONNAIRE BELOW AND ASSURE YOU THAT THE DATA GENERATED SHALL BE KEPT CONFIDENTIAL 1) AGE GROUP 20-30 30-40 40-50 50 AND ABOVE 2) ANNUAL INCOME LESS THAN 250000 250000-400000 400000-800000 ABOVE 800000 3) DO YOU INVEST? YES NO 4) WHAT PERCENTAGE OF SAVINGS DO YOU INVEST? 10-15% 15-30% MORE THAN 30% 5) PRIMARY GOAL OF YOUR INVESTMENT. EDUCATION HOUSE RETIREMENT BENEFITS

6) PREFERABLE PERIOD OF INVESTMENT. SHORT TERM LONG TERM 7) RISK ASSOCIATED WITH HOLDING THE FINANCIAL PRODUCT? MINIMUM MODERATE MAXIMUM 8) HAVE YOU EVER INVESTED IN RELIANCE FINANCIAL PRODUCTS? YES NO IF YES, WHY DO YOU CHOOSE RELIANCE FINANCIAL PRODUCTS 9) WHICH INVESTMENT PLAN DO YOU USE, OFFERED BY RELIANCE? FIXED DEPOSISTS MUTUAL FUNDS EQUITIES INSURANCE OTHERS

10) IN WHICH TYPE OF FUND DO YOU INVEST? TAX SAVER FUND INDEX FUND SECTORIAL FUND 11) PORTFOLIO USED YES NO 12) IF YES, ARE YOU SATISFIED PORTFOLIO MANAGEMENT MANAGED BY RELIANCE? YES NO 13) HOW MUCH RETURN DO YOU EXPECT? 5-10% 10-20% MORE THAN 20% 14) WHAT PERCENTAGE OF RETURN ARE YOU GETTING CURRENTLY? 5-10% 10-20% MORE THAN 20%

15) WHICH VALUE ADDED SERVICES ARE YOU USING? ATM ECS ONLINE TRANSACTIONS DIRECT INVESTMENT 16) ARE YOU SATISFIED WITH THE VALUE ADDED SERVICES OFFERED BY RELIANCE? YES NO 17) ARE YOU GETTING MONTHLY/QUATERLY STATEMENTS FROM TIME TO TIME? YES NO 18) IN WHICH AREAS DO YOU WANT RELIANCE FINANCIAL PRODUCT TO IMPROVE? CUSTOMER SERVICES MONITORING FUNDS AGENT TRAINING OTHERS 19) ARE YOU SATISFIED WITH YOUR INVESTMENT PALN? YES NO

BIBLIOGRAPHY
WEBSITES www.reliancemoney.com www.rsec.co.in www.reliancegeneral.co.in www.reliancelife.com
www.wikipedia.org www.investodia.com www.reliancecapital.com

MAGZINES India today Business times