A

Project Report
On
Investors perception towards Equity
Market and
PMS of Reliance Money

For the Partial fulfillment of

The requirement
Of Master of Business Administration

Submitted by
Shailendra Banjari
MBA III semester
Under the guidance of
Mr. Sameer khan
(Cluster head reliance money - Bhopal)
&
Mr. Chetan Nigam
(Centre manager reliance money, Bhopal)
Prof.Owais Qureshi

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 Institute of professional education &
research (Iper)
(Barkatullah university, Bhopal)
(Year: 2008)

Acknowledgement
A fruitful work is incomplete without paying a word of
thanks to all the people who are directly or indirectly
involved in its completion.
I wish to express my heartfelt appreciation to
many who have contributed to this project both explicitly
and implicitly. Words can never express the extent of
indebt ness, but I still wish to express my deep sense of
gratitude to all the people for their valuable time and co-
operation, which they had given me.
Special thanks goes to Prof. Owais Qureshi,
MBA Department for taking the time and effort to review
such extensive and complex material and for providing
reaction and recommendation for improvement and to Mr.
Sameer khan the cluster head of Reliance Money Bhopal
branch and Mr. Chetan Nigam the Centre Manager
Reliance Money, Bhopal who helped me in my project
work.

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 I also thank all my professors who helped me
during the project, and last but not the least to my
classmates, who despite their own project have helped in
my project as and when they could.

Shailendra Banjari

Preface

The research provides an opportunity to a student to

demonstrate application of his/her knowledge, skill and

competencies required during the technical session.

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

analyze the problem to suggest alternative solution, to

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evaluate them and to provide feasible recommendation on

the provided data.

The research is on the topic of “Investors Perception

towards Equity Market and PMS of Reliance Money “,

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

An error free reports every effort has been made to offer

the most authenticated position with accuracy.

Declaration

I hereby declare that the following documented project

report titled “Investors Perception towards Equity Market

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and PMS Of Reliance Money “is an authentic work done by

me.

The study was undertaken as a part of the course

curriculum of MBA full time program of Barkatullah

University, Bhopal.

SHAILEN
DRA BANJARI

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CONCEPTUAL OVERVIEW

INTRODUCTION

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Satisfaction is a function of perceived performance and expectations. If the performance
matches the expectations, the customer is satisfied.

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

individual. Holding a portfolio is often part of an investment and risk-limiting strategy
called diversification. By owning several assets, certain types of risk (in particular specific
risk) can be reduced. There are also portfolios which are aimed at taking high risks - these
are called concentrated portfolios.
Investment management is the professional management of various securities (shares,
bonds etc) and other assets (e.g. real estate), to meet specified investment goals for the
benefit of the investors. Investors may be institutions (insurance companies, pension
funds, corporations etc.) or private investors (both directly via investment contracts and
more commonly via collective investment schemes e.g. mutual funds).

The term asset management is often used to refer to the investment management of
collective investments, whilst the more generic fund management may refer to all forms of
institutional investment as well as investment management for private investors.
Investment managers who specialize in advisory or discretionary management on behalf
of (normally wealthy) private investors may often refer to their services as wealth
management or portfolio management often within the context of so-called "private
banking".
The provision of 'investment management services' includes elements of financial
analysis, asset selection, stock selection, plan implementation and ongoing monitoring of
investments.
Outside of the financial industry, the term "investment management" is often applied to
investments other than financial instruments. Investments are often meant to include

projects, brands, patents and many things other than stocks and bonds. Even in this case,
the term implies that rigorous financial and economic analysis methods are used. Applied

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Information Economics is one approach developed to apply statistically and economically
sound optimization methods to portfolios of other types of investments.

Investment management is a large and important global industry in its own right
responsible for caretaking of trillions of dollars, euro, pounds and yen. Coming under the
remit of financial services many of the world's largest companies are at least in part
investment managers and employ millions of staff and create billions in revenue.

Fund manager (or investment advisor in the U.S.) refers to both a firm that provides
investment management services and an individual(s) who directs 'fund management'
decisions.
Industry scope
The business of investment management has several facets, including the employment of
professional fund managers, research (of individual assets and asset classes), dealing,
settlement, marketing, internal auditing, and the preparation of reports for clients. The
largest financial fund managers are firms that exhibit all the complexity their size
demands. Apart from the people who bring in the money (marketers) and the people who
direct investment (the fund managers), there are compliance staff (to ensure accord with
legislative and regulatory constraints), internal auditors of various kinds (to examine
internal systems and controls), financial controllers (to account for the institutions' own
money and costs), computer experts, and "back office" employees (to track and record
transactions and fund valuations for up to thousands of clients per institution).

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 RESEARCH
METHODOLOGY

2.0 RESEARCH METHODOLOGY

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2.1 OBJECTIVES OF THE STUDY

• To compare the Portfolio Management Services of reliance Money Ltd.

• To know the investors view towards the Portfolio Management Services.

• To know the need of investors.

2.2 METHODOLOGY
The Research is Exploratory Research. In the present Research I have collected data
through Survey of 100 respondents

2.3 SAMPLE SIZE

Random Samples are collected from 100 respondents to draw a meaningful conclusion.

2.4 TOOLS OF ANALYSIS

I have used Questionnaire Method. The Data collected is shown through Graphs and Pie
Charts.
I have also used some software like Word and Excel to make this project.

2.5 LIMITATIONS
• The respondents were limited and cannot be treated as the whole population.
• The respondents may be biased.
• Time was the major constraint.
• The accuracy of indications given by the respondents may not be consider adequate

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 COMPANY PROFILE

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 A Reliance Capital Company

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 COMPANY PROFILE

Reliance Capital Ltd is a part of the Reliance - Anil Dhirubhai Ambani Group, and is ranked
among the 25 most valuable private companies in India. Reliance Capital is one of India's leading
and fastest growing private sector financial services companies, and ranks among the top 3 private
sector financial services and banking groups, in terms of net worth.Reliance Capital has interests
in asset management and mutual funds, life and general insurance, private equity and proprietary
investments, stock broking, depository services, distribution of financial products, consumer
finance and other activities in financial services.

The Reliance Anil Dhirubhai Ambani Group is one of India's top 2 business houses, and has a
market capitalization of over Rs.2,90,000 crore (US$ 75 billion), net worth in excess of Rs.55,000
crore (US$ 14 billion), cash flows of Rs. 11,000 crore (US$ 2.8 billion) and net profit of Rs. 7,700
crore (US$ 1.9 billion)

RELIANCE CAPITAL COMPANY OUTLINE

RELIANCE
CAPITAL

RELIANCE RELIANCE RELIANCE

MONEY LIFE GENERAL
INSURNACE INSURANCE

RELIANCE RELIANCE
MUTUAL MUTUAL
FUNDS FUNDS

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Reliance Money
Reliance Money is a group company of Reliance Capital; one of India's leading and fastest
growing private sector financial services companies, ranking among the top 3 private sector
financial services and banking companies, in terms of net worth. Reliance Capital is a part of the
Reliance Anil Dhirubhai Ambani Group.

Reliance Money is a comprehensive electronic transaction platform offering a wide range of asset
classes. Its endeavour is to change the way India transacts in financial markets and avails financial
services. Reliance Money is a single window, enabling you to access, amongst others in Equities,
Equity & Commodities Derivatives, Mutual Funds, IPOs, Life & General Insurance products,
Offshore Investments, Money Transfer, Money Changing and Credit Cards.

ORGANIZATION HIERARCHY

RELIANCE MONEY
(Head Office Mumbai)

BHOPAL BRANCH

Cluster Head

Centre Manager

Business Development
Executives

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 VISION STATEMENT
To be globally respected wealth creator with an emphasis on customers care and a culture of good
corportate governance.
MISSION
To Create and nurture a world class, high performance environment aimed at delighting our
customers.

CONCEPT BEHIND Reliance Money

Reliance Money provides a comprehensive platform, offering an investment avenue for a wide
range of asset classes. Its Endeavour is to change the way India transacts in financial markets and
avails financial services.

Reliance Money offers a single window facility, enabling you to access, amongst others. Equity,
Equity and Commodity Derivatives Offshore Investments, IPO’s, Mutual Funds, Life Insurance &
General Insurance Products.
Why Reliance Money?
Reliance Money is the most cost-effective, convenient and secure way to transact in a wide range
of financial products and services.
The highlights of Reliance Money’s offering are:
Cost-effective: The fee charged by the affiliates of Reliance Money, through whom the
transactions can be placed, is among the lowest charged in the present scenario. As an
introductory offer, pay a flat fee of just Rs. 500/- valid for 2 months or specified transactional
value*.
Convenience: You have the flexibility to access Reliance Money services in multiple ways:
through the Internet, Transaction Kiosks, Call & Transact (Phone) or seek assistance through our
Business Partners.
Security: Reliance Money provides secure access through an electronic token that flashes a
unique security number every 32 seconds (and ensures that the number used for the earlier
transaction is discarded). This number works as a third level password that keeps you account
extra safe.

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Single window for multiple products: Reliance Money, through its affiliates/partners, facilitates
transactions in Equity, Equity & Commodity Derivatives, Offshore Investments**, Mutual Funds,
IPO’s. Life Insurance and General Insurance products.

3 in 1 integrated access: Reliance Money offers integrated access to your banking, trading and
demat account. You can transact without the hassle of writing cheques.

Demat Account with Reliance Capital: Through Reliance Money, you get a hassle-free demat
account with Reliance Capital. The Annual Maintenance Charge for the Demat Account is just Rs.
50/- per annum.
Other Services:
# through the portal www.reliancemoney.com, reliance Money provides:
• Reliable research, including views of external experts with an enviable track record.
• Live news from Reuters and Dow Jones.
• CEOs’ / experts’ views on the economy and financial markets.
• The Personal Finance section provides tools that helps you plan your investments,
retirement, tax, etc.
• Analyse your risk profile through the Risk Analyser.
• Get a suitable investment portfolio using the Asset Allocator

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Requirements for opening D-MAT cum trading account with Reliance Money :
1. pan card copy
2. add proof/ tell bill/ e- bill/ voter id/ bank pass book/ passport
3. cancelled cheques of ICICI/ IDBI/HDFC/AXIS the company accepts the cheques of other
banks also but it will take the time of 3-4days because the company has the tie ups with
these banks only
4. payment cheques: (for opening the account initial charges) for people who are in the
corporate list Rs 500 for clients not in the corporate list Rs 750

Brokerage card:
 500 for 2 months 1 crore (90 lakh for intra trade & 10 lakh for delivery)
 1350 for 6 months 3 crores (2.70 lakh for intra trade & .30 lakh for delivery)
 2500 for 12 months 6 crore (5.40 lakh for intra day & .60 lakh for delivery)
 PR 500 for 12 months with the limit of 5 lakhs (both intraday & delivery)

Secured log in with reliance money:

 Unique user id (different for each & every client)
 User password (which you need to change every 15 days)
 Security key (which changes in every 32 seconds and generate numbers randomly)

Brokerage:
 Reliance money is working on the zero brokerage concept, because of which education
cess as well as service tax will be NIL.
 As per the SEBI guidelines any brokerage company can't charge zero brokerage so it
charges 0.01% of brokerage in the name of transaction cost.
 Other than this the security transaction tax (STT) is also being charged @
 On Delivery: 0.125% On Intra day: 0.0125%
 Other than this holding charges are also being charged on sale of securities @Rs 12 on

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  1 Scrip & 1 Order (irrespective of the fact as to how much big be the value of the
complete order).

 Comparison of reliance money's facilities & charges with other companies DMAT account
facilities and charges is being shown in the following excel sheet.

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 THE BENEFITS

 A safe and convenient way to hold securities;

 Immediate transfer of securities;
 No stamp duty on transfer of securities;
 Elimination of risks associated with physical certificates such as bad delivery, fake
securities, delays, thefts etc.;
 Reduction in paperwork involved in transfer of securities;
 Reduction in transaction cost;
 No odd lot problem, even one share can be sold;
 Nomination facility;
 Change in address recorded with DP gets registered with all companies in which investor
holds securities electronically eliminating the need to correspond with each of them
separately;
 Transmission of securities is done by DP eliminating correspondence with companies;
 Automatic credit into demat account of shares, arising out of
bonus/split/consolidation/merger etc.
 Holding investments in equity and debt instruments in a single account.
 Reduce brokerage charges.
 Enables quick ownership of securities on settlement resulting in increased liquidity,
 Avoids confusion in the ownership title of securities
 Provides easy receipt of public issue allotments.

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 Reliance Money

BROKERAGE

ONLINE OFFLINE

RECHARGE VOUCHER RECHARGE VOUCHER

+
FRANCHISEE FEE

FRANCHISEE FEE RS. 15/ TRANSACTION

Reliance has the concept of Recharge Vouchers

RECHARGE VOUCHER:
Rs. 500 12 Month 5 Lac Limit
Rs. 500 2 Months 1 Crore
Rs. 1350 6 Months 6 Crore
Rs. 2550 12 Months 12 Crore

Account Opening Charges :

For Regular Customers : Rs. 750.00

For Govt. Employees / Corporate : Rs. 500.00

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

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 PORTFOLIO MANAGEMENT SERVICES (PMS)

Reliance Money Limited is one of the fastest-growing Stock Broking companies in India, which
also offers Commodity Broking, Distribution of Mutual Funds, Insurance, Offshore investments,
Equity Advisory services, Money Changing, Money Transfer and Gold Coin Retailing, As
Portfolio Managers, it is our endeavor that every portfolio created by us is reflective of the values
on which Reliance Money has been built - a commitment towards transparency and a strong
research - driven investment process.

While your personal portfolio reflects your investment style and profile, managing it requires
considerable time and effort. Anticipating & analysing market movements, financial statements
and studying macro-economic variables is becoming increasingly complex. As you may not have
the required time and expertise to manage your investments, under Portfolio Management
Sevices, you delegate the responsibility of managing your portfolio to our team of specialists who
understand your investment objectives. Our team of Portfolio Managers, Research Analysts and
Relationship Managers are working continuously to create and actively manage your portfolio to
provide you the best returns in the fast-changing market dynamics.

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 BENEFITS OF PMS

Flexibility
• Efficient switch between cash & equities.
• Focused portfolio of select stocks / sector concentrations.
• Professional management with the objective of delivering consistent long-term
performance while controlling risks.

Hassle Free Operation

• PMS offers customized services, which take care of all the administrative aspects of the
client's portfolio, with periodic reporting.

Transparency
• Clients get regular statements and updates on their investments.
• Web-enabled access ensures that the client is just a click away from all information related
to his/her investments (i.e. securities one holds, cost & current value, securities purchased
& sold, dividends received, performance of portfolio, market commentary, etc).
• Customized advise that suits individual requirements helps achieve the desired financial &
investment objectives.
• Easy access to dedicated Relationship Managers / Financial Advisors through whom the
client can interact with Fund Managers and discuss concerns / feedback on his/her
portfolio.
• The Portfolio Manager will provide audited statement of accounts at the end of financial
year to help the client assess the tax liabilities on his/her portfolio, including Capital Gains
report. (The PMS provider is a trustee acting in a fiduciary capacity on behalf of the
investor. Therefore, the tax liability for a PMS investor would remain the same as if the
investor is accessing the capital market directly).
• Reliance Money endeavors to deliver competitive returns through a diligent fund
management framework, supported by rigorous analysis and a proven investment
methodology,

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INVESTMENT OBJECTIVE
Generate capital appreciation in medium to long term through investments in equities and equity
related instruments comprising predominantly large cap companies, This scheme will be
benchmarked to the Nifty 50 stocks.

INVESTMENT STRATEGY
• Reliance Money follow a robust and disciplined investment process and endeavor
consistently to generate absolute returns over a long term,
• Reliance Money believe in active management of portfolios, leading to higher returns and
our regular reviews of portfolios help in better risk management, to ensure consistently
better performance.
• An efficient asset allocation with flexibility to apportion 100% cash and use the cash to
grab market opportunities when they arise,
• Selective use of derivatives as an investment tool for hedging and portfolio re-balancing.
• Reliance Money research team has the capability to value companies on the basis of their
current and future potential, which helps us in generating better & consistent returns,
• Invest in a relatively concentrated portfolio of not more than 15-20 stocks, which our
experts believe to be excellent picks,

PARAMETERS DRIVING INVESTMENT DECISION

The portfolio strives at all times to achieve an overall 70% allocation to large cap companies.
Again the portfolio will limit the exposure to any sector to be less than 25% of the portfolio size
and to any scrip to be less than 1 0%,
1. An open-ended scheme with no lock-in period, no exit load
2. Maximise post tax returns by concentrating on long-term gains & low churning of
portfolio
3. Fixed and Performance based fee structure
4. Funds managed on a Pool basis
5. Custody S. Fund Accounting to be done by Deutsche Bank

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 INVESTMENT CONSIDERATIONS

Figure 1

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 INVESTMENT PROCESS
Figure 2

Understanding Customers
Investment requirements

Identifying Companies with

Growth dynamics (Earnings &
Business)

Evaluation by qualitative &

quantitative methods &
Selection of stock

Continuously identifying new

opportunities

Dynamic Portfolio Construction

Following portfolio objectives

Investments and Continuous

Review process

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SYSTEMS & PROCESSES
Reliance Money Operations team takes care of the systems, MIS & related back office activity.
The account details and portfolio valuation can be viewed on our website with the help of a
special user id and password, which is provided for each client.

Deutsche Bank has been appointed as Custodian & Fund Accountant. The banking, accounting,
settlement & clearing operations will be done by Deutsche Bank AG, thereby providing total
transparency to the whole system.

Reliance Money have a dedicated team of Advisors, Relationship Managers and Operations team,
whom you can contact for any specific information related to your investment.

PRICING FEATURES

Type Processing Management Fee Performance Brokerage

(Upfront)
Fixed fee 1.50% 3% p.a Nil 0.15%
Performance 1.50% 1 % p.a. Returns Upto 8% - NIL 0.15%
Based fee 8%-1 5% - 10%
>15% - 20%

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 DATA ANALYSIS
&
INTERPRETATION

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 DATA ANALYSIS
Q1. Do you invest Your Money to grow?
Options Percentage of Respondents
Yes 88
No 12

No
12%

Yes
88%

Interpretation :
88% of the respondents say yes they invest there money to grow. This is because the
respondents who’s income is above 10000 are investing their money to grow.

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Q2. Where do you invest?
Options Percentage of Respondents
Mutual Funds 30
Shares 20
Commodity Market 6
Fixed Deposits 22
Bonds 16
Property 4
Others 2

30

25

20

15

10

0
Mutual Funds Shares Commodity Fixed Bonds Property Others
Market Deposits

Interpretation:
Most of the respondents invest there money in Fixed Deposits, Mutual Funds and Share
Market only 6% of the respondents invest there money in Commodity Market. Most of the
respondents Mutual Funds and Fixed Deposits because they don’t have to manage their
investment.

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Q3. From which option you will get the best returns?
Options Percentage of Respondents
Mutual Funds 20
Shares 22
Commodity Market 16
Fixed Deposits 18
Bonds 8
Property 14
Others 2

25

20

15

10

0
Mutual Shares Commodity Fixed Bonds Property Others
Funds Market Deposits

Interpretation:
Most of the respondents say they will get more returns in Share Market. Since Share
Market is said to be the best place to invest to get more returns. The risk in the investment
is also high.

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Q4. Why you have not invested in Share Market?
Options Percentage of Respondents
Risk 42
Lack of Knowledge 38
Return Factor 20

45

40

35

30

25

20

15

10

0
Risk Lack of Know ledge Return Factor

Interpretation:
Most of the respondents say there is more risk in shares. Risk is the most important factor
that people don’t want to take for their money.

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Q5. What would you like more?
Options Percentage of Respondents
More benefits 22
More security 62
Others, Please specify 16

70

60

50

40

30

20

10

0
Satisfactory Burned fingers Unsatisfactory No
returns received results

Interpretation:
22% of the respondents say they get more benefits, 62% of the respondents say they
would like more security. Most of the respondents are service class people hence they
want more security for their money.

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Q6. If you invested in Share market, what has been Your experience ?
Options Percentage of Respondents
Satisfactory returns received 20
Burned fingers 8
Unsatisfactory results 6
No 66

70

60

50

40

30

20

10

0
Satisfactory Burned fingers Unsatisfactory No
returns received results

Interpretation:
20% of the respondents have invested in Share market and received satisfactory returns,
66% of the respondents have not at all invested in Share Market. Some of the investors
face problems due to less knowledge about the market. Some of the respondents don’t
have complete overview of the happenings and invest their money in wrong shares which
result in Loss. This is the reason most of the respondents prefer Portfolio Management
Services to trade.

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Q7. How do you trade in Share Market?
Options Percentage of Respondents
Hedging 24
Speculation 40
Investment 36

40

35

30

25

20

15

10

0
Hedging Speculation Investment

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

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Q8. How do you manage your portfolio?
Options Percentage of Respondents
Self 66
Depends on the company for Portfolio 34
Management

70

60

50

40

30

20

10

0
Self Depends on the company for
Portfolio Management

Interpretation:
66% of the respondents say they themselves manage their portfolio and 34% of the
respondents say they depends on the security company for portfolio Management. 34% of
the respondents prefer PMS of the company because they don’t have to keep a close eye
on their investment.

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Q9. If you trade with Reliance Money, then why?
Options Percentage of Respondents
Services 20
Investment Tips are good 12
Brokerage 38
Research 30

40

35

30

25

20

15

10

0
Services Investment Tips Brokerage Research
are good

Interpretation:
30% of the respondents say they trade with Reliance Money because of their research and
38% of the respondents say they trade with Reliance Money because of Brokerage
charges, 20% respondent’s trade with Reliance Money because of its services.

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Q10. Are you using PMS of Reliance Money?
Options Percentage of Respondents
Yes 36
No 64

Yes
36%

No
64%

Interpretation:
36% of the respondents are using PMS of Reliance Money because of their trust and
research.

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Q11. What was your experience about Portfolio Management Services of Reliance
Money?
Options Percentage of Respondents
Earned Profit 52
Faced Loss 18
No Profit No Loss Situation 30

No Profit No Loss
Situation
30%

Earned Profit
52%

Faced Loss
18%

Interpretation:
52% of the respondents say that they have earned Profit through the portfolio management
services of Reliance Money.

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Q12. Does the Reliance Money keep its process transparent?
Options Percentage of Respondents
Yes 66
No 34

No
34%

Yes
66%

Interpretation :
66% of the respondents say that Reliance Money keeps its process transparent because
they inform the customers about the changes in the market.

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Q13. Do you recommend Portfolio management services of Reliance Money to others ?
Options Percentage of Respondents
Yes 92
No 8

No
8%

Yes
92%

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

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 OBSERVATIONS
&
FINDINGS

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 OBSERVATIONS & FINDINGS

• 88% of the respondents say yes they invest there money to grow. This is because
the respondents who's income is above 10000 are investing their money to grow.
• Most of the respondents invest there money in Fixed Deposits, Mutual Funds and
Share Market only 6% of the respondents invest there money in Commodity
Market. Most of the respondents Mutual Funds and Fixed Deposits because they
don't have to manage their investment.
• Most of the respondents say they will get more returns in Share Market. Since
Share Market is said to be the best place to invest to get more returns. The risk in
the investment is also high.
• Most of the respondents say there is more risk in shares. Risk is the most important
factor that people don't want to take for their money.
• 22% of the respondents say they get more benefits, 62% of the respondents say
they would like more security. Most of the respondents are service class people
hence they want more security for their money.
• 20% of the respondents have invested in Share market and received satisfactory
returns, 66% of the respondents have not at all invested in Share Market. Some of
the investors face problems due to less knowledge about the market. Some of the
respondents don't have complete overview of the happenings and invest their
money in wrong shares which result in Loss. This is the reason most of the
respondents prefer Portfolio Management Services to trade.
• 24% of the respondents go for hedging & 40% go for investment.
• 66% of the respondents say they themselves manage their portfolio and 34% of the
respondents say they depends on the security company for portfolio Management.
34% of the respondents prefer PMS of the company because they don't have to
keep a close eye on their investment.

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 • 30% of the respondents say they trade with Reliance Money because of their
research and 38% of the respondents say they trade with Reliance Money because
of Brokerage charges, 20% respondents trade with Reliance Money because of its
services.
• 36% of the respondents are using PMS of Reliance Money because of their trust
and research.
• 52% of the respondents say that they have earned Profit through the portfolio
management services of Reliance Money.
• 66% of the respondents say that Reliance Money keeps its process transparent
because they inform the customers about the changes in the market.
• 92% of the respondents say yes they recommend Reliance Money to others.

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 CONCLUSION
&
SUGGESTIONS

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 CONCLUSIONS

• Reliance Money Pvt. Ltd has better Portfolio Management services than Other
Companies
• Reliance Money Pvt. Ltd keep its process more transparent.
• Reliance Money Pvt. Ltd is giving more returns to its investors.
• Reliance Money charges are less than other portfolio Management Services.
• Reliance Money is providing daily updates about the stocks information.
• Investors are looking for those investment options where they get maximum returns
with less returns.
• Market is becoming complex & it means that the individual investor will not have
the time to play stock game on his own.
• People are less aware about the Portfolio Management Services of Reliance Money.

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 SUGGESTIONS

• Investors must be made more aware about the services of the Reliance Money
• Investors must feel safe about their money invested.
• Investors accounts must be more transparent as compared to other companies.
• Reliance Money must try to promote its Portfolio Management Services through
Advertisements.

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 BIBLIOGRAPHY

IPER - BHOPAL 47
 BIBLIOGRAPHY

Books:

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

New Delhi.

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

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

Company Limited. New Delhi

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

Magazines

• Business Week
• Business World.
• Business Today

Websites:
• www.reliancemoney.com

IPER - BHOPAL 48
 ANNEXURE

IPER - BHOPAL 49
 QUESTIONNAIRE
Name : ___________________________________
Address : ___________________________________
Contact No. : ___________________________________

Q1. Do you invest Your Money to grow?

a. Yes b. No

Q2. Where do you invest?

a. Mutual Funds b. Shares
c. Commodity Market d. Fixed Deposits
e. Bonds f. Property
g. Others

Q3. From which option you will get the best returns?
a. Mutual Funds b. Shares
c. Commodity Market d. Fixed Deposits
e. Bonds f. Property
g. Others

Q4. Why you have not invested in Share Market?

a. Risk b. Lack of Knowledge
c. Return Factor

Q5. What would you like more?

a. More benefits b. More security
c. Others, Please specify

Q6. If you invested in Share market, what has been Your experience?
a. Satisfactory returns received b. Burned fingers
c. Unsatisfactory results d. No

IPER - BHOPAL 50
Q7. How do you trade in Share Market?

a. Hedging b. Speculation
c. Investment

Q8. How do you manage your portfolio?

a. Self b. depends on the company
For Portfolio Management

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

a. Services b. Investment Tips are good
c. Brokerage d. Research

Q10. Are you using PMS of Reliance Money?

a. Yes b. No

Q11. What was your experience about Portfolio Management Services of Reliance?
Money?
a. Earned Profit b. Faced Loss
c. No Profit No Loss Situation

Q12. Does the Reliance Money keep its process transparent?

a. Yes b. No

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

a. Yes b. No

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