Professional Documents
Culture Documents
submitted in partial fulfillment of the requirements for the award of the degree of
FROM
Submitted by
DILIP KUMAR
09AM50036
Lecturer
Dec 2010
This is to certify that the Internship report Dilip kumar is a bonafide work of ,
Enrolment No.09AM50036 for the partial fulfillment of the requirements for the award
of the degree of Masters of Business administration from Manonmaniam Sundaranar
University under my guidance during the year dec 2010. This work is original and not
submitted earlier for the award of any degree/diploma elsewhere.
I Dilip kumar hereby declare that the summer training report submitted to
Manonmaniam Sundaranar University in partial fulfillment of the requirements for the
award of Masters of Business administration is a record of original work done by me
under the supervision and guidance of Mrs. Sujatha S. patil
Place: BANGALORE
“No man is indispensable but there are certain mortal without whom the
quality work suffers their guidance becomes important in acquiring quality
results”.
. I am grateful my BM. Mr.Akhilesh Kr. singh who has given more guidance about SIP.
I am grateful to my Director Dr. H A Shankaranarayana who has given me this
opportunity to prepare this project and provided her valuable guidance. I am
also grateful to my guid Mrs. Sujatha S. Patil who has given more guidance
about SIP.I am also grateful my company relationship manager Mr. Sashi
Mishra and company guide Mr. Subhash Kr.Singh who has provided all the
necessary information required to prepare this report. I am also grateful to my
parents and friends who inspired me to put my best efforts.
CONTANTS
1 Introduction 1- 15
3 Discussion on training 41 – 45
4 Summary 46 – 48
5 Bibliography 53 – 54
6 Annexure 49 - 52
CHAPTER: 1
INTRODUCTION
India has presently entered a high-growth phase of 8-9 per cent per annum, from an
intermediate phase of 6 per cent since the early 1990s. The growth rate of real GDP
averaged 8.6 per cent for the four-year period ending 2006-07; if one considers the
last two years, the growth rates are even higher at over 9 per cent. There are strong
signs that the growth rates will remain at elevated levels for several years to come.
savings and investment. While the Financial Sector reforms helped strengthening
institutions, developing markets and promoting greater integration with the rest of the
world, the recent growth phase suggests that if the present growth rates are to be
sustained, the financial sector will have to intermediate larger and increasing volume
of funds than is presently the case. It must acquire further sophistication to address
both extensive and intensive growth. Efficient intermediation of funds from savers to
users enables the productive application of available resources. The greater the
efficiency of the financial system in such resource generation and allocation, the
creates a virtuous cycle of higher real rates of return and increasing savings,
initiation of financial sector reform in India in the early 1990s. This would facilitate a
greater clarity of the rationale and basis of reforms. The Indian financial system in
the pre-reform period, i.e., up to the end of 1980s, essentially catered to the needs of
deficit and subjecting the banking sector to large pre-emption – both in terms of the
These not only distorted the interest rate mechanism but also adversely
in the financial sector of many emerging market economies at that time. The decline
of the Bretton Woods system in the 1970s provided a trigger for financial
‘gradualist’ approach. The East Asian crises in the late 1990s provided graphic
strengthening could significantly derail the growth process, even for countries with
liberalization. The bar was gradually raised. Each year the Central Bank slowly, in
regime of prudential norms and free interest rates had its own traumatic effect. It
must be said to the credit of our financial system that these changes were absorbed
Modern Insurance
England was
Glorious Revolution
to 17th century
England. Lloyd's of London, or as they were known then,
Lloyd's Coffee
House, was the location where merchants, ship owners and
underwriters met
to discuss and transact business deals.
While serving as a means of risk-avoidance, life insurance
also appealed
strongly to the gambling instincts of England's burgeoning
middle class.
Gambling was so rampant, in fact, that when newspapers
published names of
prominent people who were seriously ill, bets were placed at
Lloyd’s on
their anticipated dates of death. Reacting against such
practices, 79 merchant
underwriters broke away in 1769 and two years later formed
a “New Lloyd’s
Coffee House” that became known as the “real Lloyd’s.”
Making wagers on
Final Thoughts
You need Life Insurance because typically the need for income
continues for those who are financially dependent on you, but there
is no guarantee of your ability to earn consistently and for the rest
of your life. Life insurance can help you safeguard the financial
needs of your family.
This need has become even more important due to steady
disintegration of the prevalent joint family system, and emergence
of nuclear families. The need to protect your family's ever growing
needs is why you need Life Insurance.
That’s a common question. Why would you need Insurance? Simply put,
Life brings with it many surprises, some pleasant and some not so and a Life
Insurance Plan ensures that you are better prepared to face uncertainties.
How? In a number of ways:
Protection
You need life insurance to be there and protect the people you love, making
sure that your family has a means to look after itself after you are gone. It is
a thoughtful business concept designed to protect the economic value of a
human life for the benefit of those financially dependent on him. That’s a
good reason.
Supposing you suffer an injury that keeps you from earning? Would you like
to be a financial burden on your family, already losing out on your salary?
With a life insurance policy, you are protected. Your family is protected.
INSURANCE MARKET IN INDIA
Presently there are 15 general insurance companies with 4 public sector companies and 11
private insurers. Although the public sector companies still dominate the general insurance
business, the private players are slowly gaining a foothold. According to estimates, private
insurance companies have a 10 percent share of the market, up from 4 percent in 2001. In the
first half of 2002, the private companies booked premiums worth Rs 6.34 billion. Most of the
new entrants reported losses in the first year of their operation in 2001.
With a large capital outlay and long gestation periods, infrastructure projects are fraught with
a multitude of risks throughout the development, construction and operation stages. These
include risks associated with project implementaion, including geological risks, maintenance,
commercial and political risks. Without covering these risks the financial institutions are not
willing to commit funds to the sector, especially because the financing of most private
projects is on a limited or non- recourse basis.
Insurance companies not only provide risk cover to infrastructure projects, they also
contribute long-term funds. In fact, insurance companies are an ideal source of long term debt
and equity for infrastructure projects. With long term liability, they get a good asset- liability
match by investing their funds in such projects.
RE-INSURANCE BUSINESS
Insurance companies retain only a part of the risk (less than 10 per cent) assumed by them,
which can be safely borne from their own funds. The balance risk is re- insured with other
insurers. In effect, therefore, re-insurance is insurer's insurance. It forms the backbone of the
insurance business. It helps to provide a better spread of risk in the international market,
allows primary insurers to accept risks beyond their capacity, settle accumulated losses
arising from catastrophic events and still maintain their financial s
While GIC's subsidiaries look after general insurance, GIC itself has been the major
reinsurer. Currently, all insurance companies have to give 20 per cent of their reinsurance
business to GIC. The aim is to ensure that GIC's role as the national reinsurer remains
unhindered. However, GIC reinsures the amount further with international companies such as
Swissre (Switzerland), Munichre (Germany), and Royale (UK). Reinsurance premiums have
seen an exorbitant increase in recent years, following the rise in threat perceptions globally.
the 12 private players has tripled to Rs 1000 crore in 2002- 03 over last year.
Meanwhile, state owned LIC's new premium business has fallen.
Innovative products, smart marketing and aggressive distribution. That's the triple whammy
combination that has enabled fledgling private insurance companies to sign up Indian
customers faster than anyone ever expected. Indians, who have always seen life insurance as
a tax saving device, are now suddenly turning to the private sector and snapping up the new
innovative products on offer.
The growing popularity of the private insurers shows in other ways. They are coining money
in new niches that they have introduced. The state owned companies still dominate segments
like endowments and money back policies. But in the annuity or pension products business,
the private insurers have already wrested over 33 percent of the market. And in the popular
unit-linked insurance schemes they have a virtual monopoly, with over 90 percent of the
customers.
The private insurers also seem to be scoring big in other ways- they are persuading people to
take out bigger policies. For instance, the average size of a life insurance policy before
privatisation was around Rs 50,000. That has risen to about Rs 80,000. But the private
insurers are ahead in this game and the average size of their policies is around Rs 1.1 lakh to
Rs 1.2 lakh- way bigger than the industry averag.
Buoyed by their quicker than expected success, nearly all private insurers are fast- forwarding
the second phase of their expansion plans. No doubt the aggressive stance of private insurers
is already paying rich dividends. But a rejuvenated LIC is also trying to fight back to woo
new customers.
1.3 INDUSTRY PROFILE:
A. GROWTH & PROSPECTS OF THE INDUSTRY:-
year. The rise in the growth rate suggests the growth of the economy. The financial
policies and the monetary policies are able to sustain a stable growth rate. The
reforms pertaining to the monetary policies and the macroeconomic policies over
the last few years have influenced the Indian economy to the core. The major step
towards opening up of the financial market further was the nullification of the
regulations restricting the growth of the financial sector in India. To maintain such a growth
The financial sector in India had an overall growth of 15%, which has exhibited
stability over the last few years although several other markets across the Asian
region were going through turmoil. The development of the system pertaining to the
financial sector was the key to the growth of the same. With the opening of the
financial market variety of products and services were introduced to suit the need of
the customer. The Reserve Bank of India (RBI) played a dynamic role in the growth
sectors.
The banking system in India is the most extensive. The total asset value
of the entire banking sector in India is nearly US$ 270 billion. The total deposits are
nearly US$ 220 billion. Banking sector in India has been transformed completely.
Presently the latest inclusions such as Internet banking and Core banking have
The ratio of the transaction was increased with the share ratio and deposit
system.
With the opening of the market, foreign and private Indian players are keen to
products.
The insurance market is filled up with new players which has led to the
services
Many foreign companies have also entered the arena such as Tokio Marine,
Aviva,
Allianz, Lombard General, AMP, New York Life, Standard Life, AIG, and Sun
Life.
The competition among the companies has led to aggressive marketing and
distribution techniques.
The active part of the Insurance Regulatory and Development Authority (IRDA) as a
The venture capital sector in India is one of the most active in the financial
sector
The finance ministry has a new incumbent and the hope all round seems to be
that he will try and improve the feel good factor. While wishing the new finance
minister the best in his Endeavour, I would request him to resist the temptation
The financial sector has witnessed changes in many respects. Banking has
seen many changes in the last two decades, as has the mutual fund business.
During the first three decades after independence, the financial sector and
changes in it were largely dominated by SBI, IDBI, IFCI, UTI, ICICI, and LIC but
the last two decades saw a significant contribution by many other players,
smaller in size, but faster on their feet. Each one of these large players was
created with very specific mandates, but with sector-wide responsibilities. For
example formation of SBI was the result of the Rural Credit Survey Committee
recommendation to create an entity that among other things would help the
government in stimulating banking in the entire country. Similarly, the UTI was
created in 1964 with the explicit objective of stimulating investment in the stock
market. In other words, these organizations were created with specific purposes
and a vision for the future. They have significantly served the purposes that
drove them all these years, and delivered on the agenda set for them. The
present day financial sector has been built on the achievements of these
organizations. However, in the last few years, we see organizations like SBI and
everybody. The negative image associated with a public enterprise has only
become the objective of these pioneers. In sum, these organizations are fast
Portfolio Management Services, Mutual Funds, IPOs, Life and General Insurance
and Gold Coins. Customers can also avail Loans, Credit Card, Money Transfer and
BAJAJ ALLIANZ, which started Company in 2001, is adding about 2,000 to 2,500
customers every day. It currently has about 1.65 lakh customers. And the traded
If we see the market share Bajaj allianz has competitors likes ICICI Direct, Kotak,
besides others, Mr. KAMESH GOYAL says, “We haven’t entered this business to
The number of investors in mutual funds is about 45 million going by the folios. The
number of individual bank accounts in the country is about 370 million. But the
number of demat accounts has stagnated around 7 million for the past decade.”
Bajaj Allianz Life Insurance is a union between Allianz SE, one of the largest Insurance
Company and Bajaj Finserv. (recently demerged from Bajaj Auto.)
Bajaj Finserv, the financial services arm of the Bajaj Group, posted a net
profit of Rs 42 crore for the quarter ended June 30, 2009. It had posted a loss
of Rs 36 crore in the corresponding period last year.
The group’s life insurance arm, Bajaj Allianz Life Insurance Company, was
the biggest contributor to the firm’s income. Bajaj Allianz has posted a profit
of Rs 68 crore in the June quarter. In the year-ago quarter, it had posted a
loss of Rs 3 crore.
BAJAJ GROUP
Bajaj Auto Ltd, the flagship company of the Rs. 8000 crore Bajaj group is the largest
manufacturer of two-wheelers and three-wheelers in India and one of the largest in the world.
A household name in India, Bajaj Auto has a strong brand image & brand
loyalty synonymous with quality & customer focus
• Bajaj Auto finance one of the largest auto finance cos. in India
• Rs. 9,634 Cr. Turnover & Profits of 964 Cr. in 2009-10
• It has joined hands with Allianz to provide the Indian consumers with
Bajaj allianz generated revenues of Rs.43 billion (US$ 862 million) for
the year March 31, 2010 as against Rs.30 billion of the corresponding previous
period, an increase of 56%. It also achieved net profit of Rs.534 million (US$ 10
million) for the same period, as against a net profit of Rs.2 million for the
country distributing products of 20 AMCs. It is the largest private sector partner for
The Rs 259 crore online broking and distribution major, Bajaj allianz, is the first
mover in deploying technology tools across its operations. Having all of its
OBJICTIVE :
To achieve & sustain market leadership, Bajaj allianz shall aim for
resources, to provide world class quality services. In the process Bajaj allianz shall
strive to meet and exceed customer's satisfaction and set industry standards.
Mission:
and maturity.
To promote a work culture that fosters individual growth, team spirit and
ORGANIZATION
Functional area of Bajaj Allianz is very vast, explanation of about those departments
are
As fallow.
BAJAJ ALLIANZ
HR
Finance department
department
Sales
Marketing administration
&distribution
department department
department
Marketing department:
any other business function deals with customer. Creating customer value and
satisfaction are the heart of the modern marketing. Therefore two fold goal
system makes everything easy and simple. Marketing is human activity directed at
satisfying needs and wants through exchange process. It delivers a standard of living
a comfortable life that should been inconceivable to our ancestors. It’s only through
we enjoy products, which were considered luxuries. It creates wants for better
the bottom line. Greater productivity, higher quality, better customer service, good
industrial relations and lower costs are the factors that typically contribute to higher
Traditionally, business would account for HR functions as cost center. Today when
we are talking about value addition from every process and function, HR is viewed
depends on the value addition of the inputs they use. The innovativeness in HR will
have to be more strategic and proactive. The magnitude can be measured with
respect to business results, which can happen only when proper HR practices act
as catalyst in business operations. Thus, HR’s ultimate goal is to link the external
human requirements with the internal human capabilities, there by optimizing the
make those employees happy who are happy making external customers happy.
culture.
o Changing values.
o Major problems and the challenges, which are shared by the large segments
of the population.
.FINANCIAL DEPARTMENT :
departments in the company. To run any organization it should have sufficient fund
and it should carry the cost as minimum as possible. The company may arrange
required finance by the way of the equity fund or by way of debt fund. Whatever it
may be the ultimate goal of the finance department is to maximize that value of the
firm to its equity shareholders. It means the goal of the firm is to maximize the
market value of its equity shares. If finance is to play general management ride in
the organization, the financial department must be an excellent team who are
3. To prepare periodic financial statements have the company like Profit & Loss
money at the time when it is required. Every enterprise, where big, medium or small
needs finance to carry on its operations and to achieve its targets. In fact finance is
the payment through cheque or cash to the parties. Reliance Money maintains
a) Financial decision
b) Investment decision
c) Dividend decision
of all the facilitating activities of all the departments. They help in coordinating
Providing with the required infrastructures like computers, furniture, fittings &
salaries and other payments required for the functioning of day to day activities.
The organizational charts are the important tools for providing information on
An analysis of the above definitions indicates that organization have the following
content:-
1. Ranks, names, titles and the lines of command, various authorities from top to
Three types of charts are commonly followed by the business concern. They are:-
C. Circular.
In the top to bottom method, at the top level, the highest person or position is placed
and after that the next highest of this process is continued to the lowest level.
2) From left to right:-
In the left to right type, the highest position is shown at the extreme left and those
3) Circular:-
In this Circular form, the highest position is shown in the centre and the lowest
workers who make up an organization. It also shows the relationships between the
HR
Manager
Customer
Organization chart
avenue for a wide range of asset classes. Its Endeavour is to change the way India
transacts in financial markets and avails financial services. BAJAJ ALLIANZ currently offers
its services in Broking and Distribution of Financial Services and Products like:
INDIVIDUAL PRODUCTS
1. UNITGAIN
A Unit Linked Plan
2. RISK CARE
Pure Term Plan
3. TERM CARE
Term Plan with Return-of-Premium
4. INVESTGAIN
An Endowment Plan
5 LIFETIME CARE
Whole Life Plan
6 CHILDGAIN
Children's Policy
7 LOAN PROTECTOR
A Mortgage Reducing Term Insurance
Plan
8 CASHGAIN
Money Back Plan
9 KEYMAN INSURANCE
A Promising Business Opportunity
10 SWARNA VISHRANTI
Retirement Plan
11 UNITGAIN PLUS
Unit Link plan with higher allocation
14 MAHILAGAIN RIDER
The unique plan that takes care of you and
your loved ones.
16 SWARNA RAKSHA-ROC
A plan that provids you with regular
income... for life.
17 HEALTHCARE
This is a three-year health insurance plan,
with life insurance benefit.
18 UG PREMIER
Upfront Allocation of 105% of single
premium on day 1
GROUP PLANS
Bajaj Allianz understand your need. The need to do something fruitful for your loved
ones.. The urge to let them know that you care. That's why Bajaj Allianz introduced
the NRI Insurance services. Now, you can invest your hard earned money in India
and in the bargain ensure your family's future.
OPTION RESPONSE IN %
DISPLAY 23%
EXHIBITION 10%
CATALOGUE 16%
35 RESPONSE IN %
30
25
20
15
RESPONSE IN %
10
0
Y R N E FF
LA O
TIO GU
SI P DO BI LO EO
D HI IC
TO TA P R
EX A
O OR C
D
OPTION RESPONSE IN %
DISPLAY 23%
EXHIBITION 12%
CATALOGUE 15%
PRICE OFF
RESPONSE IN %
40%
35%
30%
25%
RESPONSE IN %
20%
15%
10%
5%
0%
DISPLAY DOOR TO DOOR EXHIBITION CATALOGUE PRICE OFF
IPO:
IPO Distribution: Bajaj allianz distributes all IPOs (Book Building as well as
Fixed Priced) pan India through its distribution channel (Online + Offline) and helps get IPO
Online: Investors need not worry about filling up IPO application forms,
drawing cheques and standing in long queues to submit the forms. They can apply for IPOs
Offline: If the investor does not have access to internet. Bajaj allianz would
help apply for IPOs offline through a network of branches and business partners.
Comprehensive Portfolio.
Expert views.
ACCELERATED GROATH
PATTERN OF SHARE HOLDRING
No.of % of No.of % of
share holdring share share
PROMOTERS
INDIA
FOREIGN
26 39,184340 26
Allianz SE 39184340
(Amount in Rs 000)
PARTICULARS CURRENT YEAR PREVIOUS YEAR
Authorise capital
200000000 Equity
share of Rs10/each 2000000 2000000
Issue , subscribed
called and paid-up
capital equity share of
10/ each
150, 709000 (previous
year 150709000)
capital share of 10%
each 1507090 1507090
Less: preliminary
expense
Total 1507090 1507090
RELATED PARTY DISCLOSER
SR. NO Related party
1. Bajaj finser Ltd Holding company 4212
5297
(Rs in crore)
2009 2010
PUBLIC SECTOR
LIC (A) 15350 Cr 17428 Cr
PRIVATE SECTOR
HDFC STD LIFE 8537 Cr 9037 Cr
MNYL 2314 Cr 2432 Cr
ICICI PRU 7524 Cr 7740 Cr
BSIL 1263 Cr 1305 Cr
TATA AIG 6971 Cr 7102 Cr
KOTAK LIFE 3530 Cr 3685 Cr
SBI LIFE 8745 Cr 8956 Cr
BAJAJ ALLIANZ 9520 Cr 9775 Cr
METLIFE 3415 Cr 3502 Cr
AMP SANMAR 2143 Cr 2205 Cr
ING VYSYA 4132 Cr 4250 Cr
AVIVA 3741 Cr 3821 Cr
SAHARA LIFE 7932 Cr 8075 Cr
TOTAL(B) 62628 Cr 71885 Cr
TOTAL(A+B) 77978 Cr 89313 Cr
CHAPTER: 3
DISCUSSIONS
ON
TRAINING
Company. Much has been written on the sales management, primarily in the context
of product marketing. observed that for a service sales personnel the following do's
A. the service sales person should develop a personal relationship with the client.
Quite often it is the personal relationship rather than the service itself that results in
satisfaction or dissatisfaction with the service. If there is a distinct need for a high
quality personalized service, then one must pay more attention to its organizational
structure.
most service transactions is the buyer's confidence in the seller's ability to deliver the
desired results. It is therefore important that a service sales person must make a
demand or by playing the role of buying consultant. Most hotels first sell the location
During the period as a trainee of the Bajaj Allianz I have handled lots of roles and
Introduction of the Bajaj Allianz – Here I learnt when Bajaj Allianz was introduced
in the Indian financial sector. Here my role was to understand about the product of
Bajaj Allianz which they deal with the customers. Bajaj Allianz is a Financial sector,
and insurance is a service based product, so I have taken some knowledge how the
Demat Account is the door to enter in the share market to buy shares. Here I learnt
on what basis and through how Bajaj Allianz processed their Demat Account.
have learnt how Mutual Fund works out in the market and how portfolio manager do
demat Account, how a customer can do trading and how it works out in
dematerialized form.
system, Wealth managers use to care take the wealth level of a company. Here our
role was, how wealth managers are working in the wealth management and what all
criteria they are picking to make it effective.
longest application form, and it consist of bank account, trading account and demat
account and its filling process needs same documents. Those are 2 copy of photo,
is a management system where investors just invest their money and then Portfolio
managers, Research Analysist, Relationship Managers they take that investors fund
And along with those above roles I have attended some of special
training sessions in Bajaj Allianz itself. Those makes me understandable what all
are the instruments of Financial Sector and how they works out through the financial
sector
After entering in this organization I have gained lots of experiences about the
etc.At the time of doing work over the organization, I experienced how all corporate
works use to handle inside and outside of the organization.Here I experienced how
all Function Departments are inter connected and one for other.
Here I experienced how a financial sector can run their market entire of the huge
Most of investors not fully aware about Life insurance policies and their advantage.
It was found most of the investor prefer, less risk taking saving scheme or fixed deposits.
Some of the people, who were related to rural area, did not know about facility for
investment of money in Life Insurance Policy schemes.
The proportion of investor and non-investor 20% & 80%.
. The investors were interested more in Policies of LIC because it is a Government body.
. Some of the investors were pleased to know about New FamilyGain
and said that it is a very good plan and is very much affordable by
middle class people.
AREA OF STUDY
The area of the study related with getting correct information of life insurance policies of
different peoples in the region of Bihar.
SAMPLE DESIGN
A sample design is a definite plan for obtaining a sample from a given population.
It refers to the techniques or the procedure the researcher would adopt in
selecting items for the sample. Sample design may as well be drawn from the
population to be included in the sample i.e. the size of the sample. Sample
design is determined before data are collected.
SUMMARY
&
Conclusion
4.1: EXECUTIVE SUMMARY
Bajaj Allianz Life Insurance Co. Ltd. is a joint venture between
Allianz SE, one of the world's largest insurance companies, and
Bajaj Finserv. Allianz SE is a leading insurance corporation
globally and one of the largest asset managers in the world, that
manage assets worth over a Trillion. With over 115 years of
financial experience, Allianz SE is present in over 70 countries
around the world. Bajaj Allianz is into both life insurance and
general insurance. Today, Bajaj Allianz is one of India's leading
and fastest growing insurance companies. Currently, it has
presence in more than 550 locations with over 60,000 Insurance
Consultants.
In June 2009, Bajaj Allianz entered into partnership with Thomas Cook India to
provide travel finance. Bajaj Allianz Life Insurance ensures excellent insurance
and investment solutions by offering customized products, supported by the best
technology.
A comprehensive list of policies and products offered by Bajaj
Allianz Life Insurance Co. Ltd. is as follows:
During the period as a trainee of the Bajaj allianz I have handled lots of roles
In Operations:
Clarifying the queries of the customers that are raised and providing them
In Marketing:
Getting up contacts from the customer to work upon the similar activity.
Working with the executives to achieve the individual and the group target
towards Bajaj Allianz. Kindly extent your cooperation in filling this questionnaire and
Aggressive
Conservative
Moderate
Moderate Aggressiv
Moderately Conservative
2. How do you evaluate your instruments?
MF- NAV
3. Do you use any base model for constructing a portfolio? If Yes? What model
No. the portfolio managers don’t use any model while constructing a portfolio
Tech analysis
Fundamental analysis
Exhibition
Catalogue
Price-off
6. Price off and installment offers are necessary for sales promotion?
Yes
No
Can’t say
No
Can’t say
No
Can’t say
Insurance Policies
Share
Mutual Fund
BIBLIOGRAPH
WEBSITE:
www.bajajallianz.com
www.moneycontrol.com
www.irda.com
www.google.com
REFERENCE BOOKS:
NEWAPAPER &
MAGZINE