A

Project Report

on

“SCOPE OF ULIP VS OTHER INVESTMENTS AND

RECOMMENDATIONS TOWARDS PORTFOLIO MANAGEMENT”

Conducted At

HDFC STANDARD LIFE INSURANCE COMPANY

In partial fulfillment of requirement for the award of the degree

Of
MASTERS OF BUSINESS ADMINISTRATION

II
ACKNOWLEDGEMENT

The project work in this report is an outcome of continual work and draws intellectual support from
various sources. It is almost impossible to express adequately the debts owed to many
persons who have been instrumental in imparting this work a successful status. It is however
a matter of great pleasure to express my gratitude and appreciation to those who have been
contributing to bring about this project.

I take an opportunity to thank for giving me an opportunity to work on this research project, which
not only has increased my awareness but has also taught the importance of individual work.
I performed the project “SCOPE OF ULIP VS OTHER INVESTMENTS AND
RECOMMENDATIONS TOWARDS PORTFOLIO MANAGEMENT”. His suggestions
helped me maintain a good quality of work. I express my deep gratitude to him.

CONTENTS
III

Page No. IV
Certificate I
Acknowledgment II
Student declaration III
Executive summary IV

1. OBJECTIVES 1

2. RESEARCH METHODOLOGY 2
3. RESEARCH DESIGN 2

3.1 EXPLORATORY DESIGN 3

4. SOURCES OF DATA COLLECTION 3

4.1 PRIMARY DATA 3

4.2 SECONDARY DATA 4
4.3 RESEARCH INSTRUMENT 4

5. INDUSTRY & COMPANY PROFILE 6

5.1 HISTORY 6
5.2 IRDA 8
5.3 INSURANCE COMPANIES IN INDIA 8
5.4 COMPANY PROFILE 9
5.5 ORGANISATION STRUCTURE 12

6. PLANS 13

6.1 TRADITIONAL PLAN 13

6.2 ENDOWMENT PLAN 15

7. INVESTMENT 17

7.1 ULIP 1971-ULIP LINKED INSURANCE PLAN FROM UTI. 18

7.2 MUTUAL FUNDS 19
7.3 COMMODITY MARKET. 22
7.4 PPF – PUBLIC PROVIDENT FUND. 24
7.5 NSC - NATIONAL SAVING CERTIFICATE. 25
7.6 DEPOSITS UNDER POST OFFICE SAVING BANK 27
7.7 FIXED DEPOSITS IN BANKS. 28
7.8 REAL ESTATE 30
7.9 ELSS - 30
7.10 LIC LIFE INSURANCE 31
7.11 RELIEF BONDS 35
8. DATA ANALYSIS & INTERPRETATION 37

9. RECOMMODATION IN PORTFOLIO MANAGEMENT 49

10. RESULTS AND FINDINGS 56

11. CONCLUSIONS 57

12. LIMITATIONS 58

13. BIBLOGRAPHY 59

14. APPENDIX 60

14.1 QUESTIONAIRE (From Customers) 60

14.2 QUESTIONAIRE (From HDFC SLIC Team) 62