SUMMER INTERNSHIP

PROJECT – 2018
ON

360° FINANCIAL PLANNING

SUBMITTED FOR THE PARTIAL
FULLFILLMENT
OF THREE YEARS FULL TIME COURSE
BBA (2016-19)
SUBMITTED TO
INTERNAL GUIDE EXTERNAL GUIDE
PROF. ABHIJEET VIBHAS VIKASH KUMAR SINHA
AMITY UNIVERSITY, PATNA (BRANCH MANAGER)
BAJAJ CAPITAL PATNA

SUBMITTED BY: SNEHASISH DAS ROY

ENROLLMENT: A31406416028
 ACKNOWLEGDEMENT
I express my deepest sense of gratitude to MR.VIKASH
KUMAR SINHA (BRANCH MANAGER) BAJAJ CAPITAL,
PATNA for inspiring me to do this research project.
During the whole research work he guided and provided
me the valuable inputs, which helped me in the
completion of the project. Despite his busy schedule he
granted me a generous amount of his time with great
interest.
I owe my sincere regards and feel extremely grateful.
I would prefer to convey the supreme power, the almighty
god who is obviously the one who has always directed us
to work on the right path of our life.
With this grace this project may become a reality.
I would like to thank the supreme power, the almighty
god who is obviously the one who has always directed us
to work on the right path of our life. With this grace this
project could become a reality.
I feel highly delighted with the way our dissertation
report on topic “360° FINANCIAL PLANNING”: WITH
SPECIAL REFERENCE TO BAJAJ CAPITAL PATNA, has
been completed. I would like to thank Prof. ABHIJEET
VIBHAS to provide me the faithful guidance to complete
the project.
Lastly, I would like to thank my faculty members who
helped me in completing this project and my family
members specially my parents, without whose constant
help this work wouldn’t have materialized.

SNEHASISH DAS ROY

BBA, Vth Semester
ENROLLMENT: A31406416028
AMITY UNVERSITY, PATNA
2016-2019
INTERNAL GUIDE CERTIFICATE
I have the pleasure to certify that MR.SNEHASISH DAS
ROY is a bonafide student of Vth Semester of the bachelor’s
Degree in Business Administration (Batch 2016-19), of Amity
University Patna, Enrollment No. A31406416028.

He has completed his project work entitled “360°

FINANCIAL PLANNING”:WITH SPECIAL REFERENCE
TO BAJAJ CAPITAL PATNA, under my guidance.

I certify that this can be his original effort and has not been
derived from the other supply.

This project has conjointly not been submitted in the other

Institute/University for the aim of award of any Degree.

This project fulfills the requirement of the curriculum

prescribed by this Institution for the said course. I recommend
this project work for evaluation & consideration for the award
of Degree to the student.

SIGNATURE
NAME OF THE
GUIDE
DESIGNATION
DATE
 DECLARATION
We hereby declare the project work
entitled “360° FINANCIAL PLANNING”:
WITH SPECIAL REFERENCE TO
BAJAJ CAPITAL, PATNA,
A special reference to BAJAJ CAPITAL
submitted to the “AMITY
UNIVERSITY, PATNA” is a record of
an original work done by us under the
guidance of Prof. ABHIJEET VIBHAS,
faculty member, BBA and this project
work has not performed the basis for
the award of any degree and similar
project if any.

SNEHASISH DAS ROY

BBA Vth
A31406416028
2016-19
 PREFACE
Investment is the prior step
towards attaining a well amount of
profit including some bricks of
risk. Investment choices are made
in respect to personal investment
decisions and so as plans
regarding investment decisions are
being made.
Investors who invests in securities
therefore revises their investment
decisions from time to time and
reevaluate their investment
commitments with the new
changes in the investment market.
 About the Company
Bajaj Capital is one among India's leading money
Services firms. It offers free advices on Investments,
Insurance, Tax Saving, Retirement Planning, Financial
Planning, Children's Future Planning and other services.

Bajaj Capital believes in dreaming big. They also believe

that they are the true followers of their dreams and no
one can stop them from achieving their dream.

A wide range of securities: -

Bajaj Capital offers a wide range of securities including

financial planning and investment choices. It also helps
in realizing the financial instruments and various
financial products of different companies.

It has been approved by SEBI and has been awarded

with Grade-A Merchant Banker award.

MISSIONS, AIMS & OBJECTIVES OF

BAJAJ CAPITAL: -

Bajaj Capital focuses on to be the most useful, reliable,

and efficient provider of financial services. They
constantly focus on to be a trustworthy advisor and help
achieving its clients their financial goals.
The Chairman: -

Mr. K.K. Bajaj is the chairman and founder president of

Bajaj. He has nourished and given huge contributions in
making the organization as one of the largest investment
advisory companies in the country.

He is a very well-known and highly respected figure of

the investment market.

He is also a brilliant writer and has written over 200

articles on Personal Finance, Economic Affairs and
Health.

The Managing Director: -

Mr. Rajiv Deep Bajaj is a very qualified and intelligent
financial planning. He is the first to introduce the
concept of financial planning in India. He is the founding
chairman of the Association of Financial Planners (AFP).
He has taken the post graduate in management and hold
an international certificate for Financial Advisors from
the Chartered Insurance Institute, London.
He also played a vital role in attaining Bajaj Capital’s
reach in the country.
He has also perused an executive degree in MBA for
International Wealth Management under an exchange
programmed between University of Geneva, Switzerland
and Carnegie Mellon University, Pittsburg, U.S.A.
360° FINANCIAL PLANNING AND
AWARENESS OF BAJAJ CAPITAL
The only thing permanent in life is change. Times
change, People change, and So does life. We expect life to
be much better tomorrow than it is today.
Tomorrow, we hope to fulfil all our dreams and
aspirations. But what
happens if things take an untoward turn? Or, if there is
an eventuality? Perhaps it's time for us to change the
way you plan our investments.
360° Financial Planning helps to see the attainable goals
and invest for specific
long-term and short-term goals well in time.
360° Financial Planning is a unique software-based
simulation that takes a
holistic view of our life-long financial needs and charts a
personalized
investment strategy to help us meet them.
It identifies our current financial status listing and
prioritizing us
goals creating a sound investment plan to achieve them.
It also monitors the plan to facilitate swift corrective
action, if needed.
360° Financial Planning is based on the remark that
every individual has
certain basic financial needs that are expressed at
various stages of life i.e. (getting married, buying assets,
vehicles, or providing for children's education and
wedding). With the help of 360°Financial Planning, we
can prepare yourself well in time for all these goals.
Investment Planning Services
(Contents): -
Bajaj Capital Investment planning services includes the
following contents:
1. Risk Profiling
2. Asset Allocation & Portfolio Construction
3. Creation and Accumulation of wealth through
Systematic Investment Plan (S.I.P)
4. Regular review of progress and Portfolio
Rebalancing.
5. Investment Planning also helps us to decide upon
the right investment strategy.
6. Investment Planning also helps us to strike a
balance between risks and returns.
7. Our success as an investor depends upon our ability
to choose the right investment options. This, in turn,
depends on our requirements, needs and goals.
 Systematic Investment Plan
(S.I.P.)
A Systematic Investment Plan (SIP) is
an investment vehicle offered by mutual
funds to investors, allowing them to
invest small amounts periodically instead
of lump sums. The frequency of
investment is usually weekly, monthly or
quarterly

Cash Flow Planning

Cash flow refers to the inflow and outflow
of money. It is a record of our income and
expenses. Cash flow planning refers to
the process of identifying the major
expenditures in future (both short-term
and long-term) and making planned
investments so that the required amount
is accumulated within the required time
frame. This is the amount that we should
look at saving for meeting our financial
goals. The best way of doing this is to
have a personal budget.
COMPANIES ASSOCIATED WITH
BAJAJ CAPITAL
1) HDFC LIFE INSURANCE
2) CIGNA TTK
3) LIFE INSURANCE CORPORATION OF INDIA
4) SBI MUTUAL FUNDS
5) KOTAK MAHINDRA
6) RELIANCE MUTUAL FUND
7) P.N.B. HOUSING
8) AXIS BANK
9) BIRLA SUNLIFE
10) DSP BLACKROCK

INVESTMENTS
Mutual Funds are among the most favorites
with all types of investors. Investing in mutual
fund is the most convenient way of creating
wealth in long term. There are a wide variety
of mutual funds that are used in investment
avenues to meet a wide variety of financial
goals. This section contains the various
aspects of Mutual Funds.
 What are Mutual Funds?

A Mutual Fund is a unit that connects the savings of several

investors who share a common financial goal. The fund
manager invests this pool of money in securities-ranging from
shares and debentures to money market instruments or in a
mixture of equity and debt, depending upon the objectives of
the scheme.

QUESTIONNAIRE (Based on the above theories)

Please give your response to the following questions by ticking the

appropriate choice.

1. Respondent Name__________________________________________

2. Your Age from

40 to 45
46 to 50
51 to 55

3. Education ______________________________________

PROFESSION: -
CITY: -
EMAIL: -
CONTACT: -
INCOME: -

You are a –
Regular Investor
Periodic Investor
Non-Investor
Invested earlier but not since the last 3-5 years

1. What do you feel about market? (in 3 years)

Highly Optimistic
Neutral
Highly Pessimistic

2. Which of the goals you are looking to save for?

Children’s Education
Dream Vacation
Child Marriage
Owning a car
Retirement Goal

3. What amount of risk do you feel you can take while taking
investment decision?

HIGH
MEDIUM
LOW

4. What is your purpose behind investment?

WEALTH CREATION
TAX SAVING
EARN RETURN
FUTURE EXPENSES

5.Did you ever do investment in mutual funds?

YES NO