Scribd

Upload a Document
Top of Form
Search Books, Presentations, Business, Academics...
Bottom of Form
Explore
Documents
Books - Fiction
Books - Non-fiction
Health & Medicine
Brochures/Catalogs
Government Docs
How-To Guides/Manuals
Magazines/Newspapers
Recipes/Menus
School Work
+ all categories

Featured
Recent
People
Authors
Students
Researchers
Publishers
Government & Nonprofits
Businesses
Musicians
Artists & Designers
Teachers
+ all categories

Most Followed
Popular
Sign Up
|
Log In
1
First Page
Previous Page
Next Page
/ 64
Sections not available
Zoom Out
Zoom In
Fullscreen
Exit Fullscreen
Select View Mode
View Mode
BookSlideshowScroll
Top of Form

Bottom of Form
Readcast
Add a Comment
Embed & Share

Reading should be social! Post a message on your social networks to let others know
what you're reading. Select the sites below and start sharing.

Readcast this Document

Top of Form
8871c9a08e24fd

Login to Add a Comment

Submit 4gen

Bottom of Form

Share & Embed

Add to Collections
Download this Document for Free
Auto-hide: off
A
MANAGEMENT
REPORT
ON
“A study on different aspects, which works as
motivational factor
For advisor to sale Financial Bonds & Policy of Sahara
India Financial Corporation”
A Report submitted in partial fulfillment of the requirement of
MBA Regular Programme 2008-10
“Govt. Engineering College, Ajmer”
Under Guidance of:
Submitted BY
R.K. Nehra
Amit Kumar Joshi
College no. 08MBA02
1

ACKNOWLEDGEMENT
“Gratitude is the language of heart, when the language if from the heart, emotions
prevail and when emotions prevail words fails.”
At the dusk of this project, it gives me immense pleasure, extending my deepest sense of
profuse to gratitude towards my inspirations my faculty guide Mr. R.K. Nehra; it was
under his valuable guidance that I embarked upon this work. My gratitude and
indebtedness to them is beyond work.
At this stage it most impossible to ignore the co-operation and friendly attitude showed
over me by all the staff of Sahara India Financial Corporation who supports me into the
completion in my project.
I shall be inducted to sales manager Mr. R.K. Nehra for his guidance and giving me a
chance to do this project for the feasibility study.
Last but not the least; I would like to take this opportunity to thanks my entire faculty, my
friends and everyone who help me directly or indirectly during this entire span of project.
Amit Kumar Joshi
2

PREFACE
It is a matter of great satisfaction and privilege to present before the esteemed readers this
report aimed at Study on different aspects, which works as motivational factor for advisor
to sale Financial Bonds & Policy of Sahara India Financial Corporation
This project report is a concrete form of the knowledge that was acquired during the
summer training. During the training, which is a part of full two year management
course, a student gets the opportunity to apply his/her theoretical knowledge in the
corporate world, in short it emphasizes on “learning by doing” the training paves the way
for the student for his/her successful entrance in corporate world of banking.
The area of work was to know about clearing process of the Sahara India along with
various
banking operations which are performed by Sahara India Financial Corporation.
With the study, I made, I have tried my best to provide some fruitful results that would be
of
great help to the organization.
PLACE: Sikar
3

Executive Summary
Being a management trainee at Sahara India Financial Corporation, Fathpur my
objectives of
study are:
• To know the avenues where investors want to invest.
• To know the purpose behind their investment.
• To know the market trend.
• To know their expectations regarding returns.
The study of knowing different views of investors for the investment avenues involves
Demographic background, Educational background, and Experience & Industrial
background.
To give a strong base to my study I undertook a research at the Sikar region and used
schedule, Personal Interview of investors in determining the investment pattern. The
research gave findings to make conclusion.
Through this research, I have studied different aspects of investment such as:-
• In which sector investors prefer to invest?
• What is the main purpose behind their investment?
• What are the expectations regarding returns?
4
Table of Contents
5
Part A On-job- training
Page
no.
1
Acknowledgement
2
2
Preference
3
3
Executive Summary
4
4
Introduction of Industry
6
5
Introduction of Organization
22
Part B Introduction of Project
1
Concept
28
2
Objective
29-30
3
Target/Achievements
31
4
RESEARCH METHODOLOGY
Research Aim
Research objective
Limitation of Study
41-46
44
44
46
5
Fact & Finding
47
6
Analysis & interpretation
48
7
SWOT Analysis
56
8
Conclusion
57-59
8
Annexure/Questionnaire
60-61
9
Bibliography
62

INTRODUCTION OF THE INDUSTRY

COMPANY‘S PROFILE
Sahara India- a corporate, which believe that quality, is never an accident it is a result of
planning, team work and a commitment of excellence. Sahara India Pariwar is a multi-
business6
conglomerate with diversified business interest that includes finance, real estate, media &
entertainment, tourism & hospitality, and service & trading.
Sahara India Pariwar
Year
1978 in Gorakhpur, India
2009, headquarter in
lucknow India
Workers
3
12.05 lack
Dependents
15
78.50 lack
Asset
2000
Over 75,000 crore
Establishments
1
2105
No Trade union
No owner
Important Points
•
The employees at Sahara India Pariwar greet each other by saying “Sahara Pranam”.
•
Every year, republic day and independence day is celebrated as Bharat Parv ( national
festival) and Sahara India Pariwar celebrates it as the biggest event of the
pariwar( family).
•
Sahara India Pariwar has been the official sponsors of the Indian cricket team and Indian
hockey team.
•
Sahara India Pariwar in often referred as the world’s largest family.
•
910,000 workers/ employees and no trade union.
•
Its five star hostel ‘Sahara Star’ near Mumbai airport has the world’s largest pillar less
clear-to-sky dome of its kind.
•
Holds the Guinness world record for planning 125,256 trees by 1400 volunteers in 6
hours
and 35 minutes 0n 5th June 1988 at amby vally city.
7
•
Hold the record in India for 25%-50% hike in the gross salary of all of its employees at
one
go.
•
Conducts mass marriage ceremony of 101 underprivileged girls every year.
•
Subrato Roy Sahara is also referred as “Saharasri”.
Profit Sharing
8

SAHARA INDIA PARIWAR

OVERVIEW
Sahara India Pariwar is a major entity on the corporate scene having diversified business
interests that include Finance, Infrastructure & Housing, Media & Entertainment,
Consumer
Products, Manufacturing, and Services & Trading.
Quality is our essence and we, at Sahara India Pariwar , have always stressed on the
Qualitative aspect. Consequently in this run for quality, quantity has always pursued us.
We look forward to reaching the zenith and reaffirm our commitment to the process of
sound nation-building.
CORE COMMITMENTS - OUR STRENGTH
•
Emotion
•
Discipline
•
Duty
•
No discrimination
•
Quality
•
Give respect
•
Self-respect
•
Truth
•
Collective Materialism
9
•
Religion
•
Absolute Honesty
What
A commitment of Sahara India Pariwar to the genuine needs and rights of anybody &
everybody - Be it to a depositor, newspaper reader, consumer.... all business associates
and Sahara India Family Members.
Need
India needs effective consumer protection and protection of workers' genuine rights.
There are various agencies, promising protection & action. But no external body can
provide justice unless the company becomes 'QUALITY CONSCIOUS' WITH
STRICTLY NO DISCRIMINATION POLICY AND JUSTICE CONSCIOUSNESS as
its very dominating nature.
Motto
We not only believe but practice NO DISCRIMINATION, JUSTICE & HIGH
QUALITY - means enthusiastic, productive performance of duty "KARTAVYA' towards
the consumer', workers' genuine satisfaction.
Aim
To provide justice - be it a matter of the tiniest imperfection or injustice in our
COMMITMENT -
products or services. direct or indirect, short term or long term.
Where
Kindly rush your grievances/suggestions or any queries related to Sahara India Pariwar to
the
nearest Sahara establishment and/or to:-
10

Sahara India Pariwar is a major entity on the corporate scene having diversified business
interests that include Finance, Infrastructure & Housing, Media & Entertainment,
Consumer
Products, Manufacturing, and Services & Trading.
Quality
Quality is our essence and we, at Sahara India Pariwar, have always stressed on the
Qualitative aspect. Consequently in this run for quality, quantity has always pursued us.
We
look forward to reaching the zenith and reaffirm our commitment to the process of sound
nation-building.
WE CHASE QUALITY, QUANTITY CHASES US
Core Commitments - Our Strength
Emotion
Emotion is in Performance of genuine duties towards the loved ones primarily in their
benefit,
from their point of view. EMOTION is THE KEY that generates the required energy and
enthusiasm for desired quality performance.
Discipline
The enthusiastic obedience of laws and orders, which are given by the rightful authority.
11

Duty
The enthusiastic obedience of laws and orders, which are given by our CONSCIENCE.
NO Discrimination
Never should we discriminate in any of our actions, reactions, attitudes, decisions,
conclusions, in any of our expressions while caring for the six health’s of other human
beings,
namely physical, material, mental, emotional, social and professional health’s.
Quality
Results from honoring Rules, Regulations, Commitments, Values, Fairness, Performance
of Duties by honestly balancing one's own and others' reasonable point of view in the
matters of Material & Emotional aspects.
Give Respect
To definitely make others feel important and respected by giving sincere regard to others'
feelings, reasonable wishes & thoughts with an open and receptive mind and warmth.
Self-Respect
To develop a sense of respect for oneself in others' mind, i.e. to generate genuine & warm
feelings for oneself among others on a continuous basis.
Truth
12

Means total transparency in action, reaction, attitude and all other expressions and the
conviction to follow the right course.
Collective Materialism
Means to progress and prosper together for collective sharing and caring and not
individually
or for a select group.
Religion
There is a religion higher than religion itself - it is NATIONALITY. We may practice our
religions in the confines of our homes, but outside, we should be Indians and only
Indians.
'Bharatiyata' or Nationalism thus becomes our supreme religion.
Absolute Honesty
People generally manipulate and deceive for achieving their unreasonable desires and
greed if
others do not or can not see, hear or understand. But we firmly believe that our mind
inside
knows the truth and we should be absolutely honest to our mind inside and accordingly
our
actions, reactions, directions, decisions and all our expressions should be present in all
human
dealings.
PHILOSOPHY
SAHARA INDIA PARIWAR'S PHILOSOPHY - "Collective Materialism"
13

In any human relationship, it becomes imperative to take into consideration the

materialistic
aspect of life - we do so but by giving it second priority.
The first priority is given to emotional aspect and with perfect blending of materialism
with emotionalism, results in continuous collective growth for collective sharing and
caring, that gives an impetus to our philosophy - "COLLECTIVE MATERIALISM".
BHARTIYATA
There is a religion higher than religion itself - it is the INDIAN NATIONALITY. The
swirl of the Tricolor never fails to move a Sahara Worker. For we believe, it is the great
feeling that transcends all castes, creed and sects. Bharat Parva is Celebrated on every
26th of January and 15th of August with a spirit and gaiety rarely seen. It comes from our
heart.
LEADERSHIP
My Biggest Achievement in Life “I’m very proud to be the Guardian of The
world’s Largest Family.
"Saharasri" Subrata Roy Sahara
Managing Worker & Chairman
Sahara India Pariwar
In business profit earnings and overall growth of business get the highest priority
and are certainly creditable, but ultimate credibility of business enterprise, particularly of
larger
14
ones is in the utilization of profit, be it for best possible enlistment of its workforce and
for espousing Social, National Development causes or for rendering services to mankind
as a whole. Fulfilling the Qualitative aspect of utilization of profit, the world's largest
family ‘Sahara India Pariwar' is proud to have reached today new horizons of growth and
development.
On the basis of our philosophy of Collective Materialism we have always given
importance to the fact that profit earning is the Quantitative aspect whereas the proper
utilization of profit is the Qualitative aspect. Ironically, we only recognize and get
recognized by the Quantitative aspect.
I, therefore earnestly appeal to one and all in Politics, Media, Business etc. that every
action, reaction, selection, appreciation or criticism should be oriented strictly towards
the Qualitative aspect. I appeal to anybody and everybody to accord top priority to
Qualitative aspect in anything and everything for peaceful, prosperous and progressive
co-existence of mankind anywhere and everywhere.
Today, I feel proud of the fact that I am the Guardian of the World's largest family.
Perhaps, I am the world's only person whose family is so vast, so disciplined, so
dedicated and so committed. Such a vast family as Sahara India Pariwar has a grand and
infinite future and I am sure that we will sustain our duty, consciousness, discipline and
dutifulness with a sense of dedication, as we have always done in the past, so that
together we could build an India full of energy and radiance.
Structure of Sahara India Business:-
15
16
SAHARAINDIA
PARIWAR
Business
Finance
Infrastructure
& Housing
Media &
Entertainment
Consumer
Product
Manufactur-
ing
Service &
Trading
Para
banking
Life
Insurance
Mutual
Fund
Hosing
Finance
Hill City
Mega Quality
Townships
Hotels
Hospitals
Residential &
Commercial
Project
Entertainme
nt Channel
Movie
Channel
World
Cinema
Production
Cinema
Halls
Consumer
Product &
Retail Chain
Jute Project
Handicraft
Promotion
Sahara
Next
Care House
Travel &
Tourism
News
Sahara India Life Insurance Company Ltd.
(First Wholly Indian Life Insurance Company in the Private Sector)
With Life Insurance Penetration in India at just about 22% of the Insurable population
and premium income of 2% of GDP, the group sees it as a very high growth sector of
Indian economy
Sahara India Life Insurance Company Ltd. (SILICL) is today the first wholly Indian-
owned Life
Insurance Company in the private sector. We launched our operations on 30 October
2004
after being granted license to operate as a life insurer in India by Insurance Regulatory
and
Development Authority on 6 February 2004.
The range of products:
Sahara Nidhi - Endowment (with profit)
Sahara Sampann - Money back (with profit)
Sahara Amar Jeevan - Deferred Annuity
Sahara Kavach – A pure term policy
Sahara Sanchay-R - Unit Linked plan
Sahara Swabhimaan - Unit Linked Pension Plan
Sahara Ankur – A unit linked policy for children
Sahara Samriddhi – Money back with profits
Sahara Sahyog - Micro Endowment Insurance Plan
Sahara Samooh Samyojana - Unit Linked Group Savings cum Insurance plan
Sahara Jamakarta Samooh Bima - Group Term Insurance Plan-Non-Par
Sahara Assets Management Company Pvt. Ltd.
Sach Mein Mutual!
17

One of the fastest growing sectors in India with an average CAGR of 20% over the past
5 years.
With a view to offering its clientele a mutual fund that is truly mutual, Sahara Mutual
Fund was
established in 2005. Our financial experts help hundreds of people to manage their
mutual
fund investments, diversify their portfolios and reduce their investment risks.
Sahara Mutual Fund offers seven schemes, of which 3 are Equity schemes viz. Sahara
Growth Fund, Sahara Tax Gain, Sahara Madcap Fund and 4 are Debt-oriented schemes
viz.
Sahara Income Fund, Sahara Short Term Fund, Sahara Liquid Fund and Sahara Gilt
Fund.
Our Investment Advisors help our clientele create the perfect balance of returns, safety
and
liquidity by assisting them to choose the right scheme, based on their risk profile and
investment goals.
At Sahara Mutual Fund, we take the onus for our performance by linking it to the fee we
earn. It is about building a long term relationship. One in which we remain 'Mutually
Yours' over the years. That's why we offer our clientele the Variable Pricing Option.
Sahara Housingfina Corporation Limited
Every year in India all companies together disburse Rs. 33,000 crore (USD 7653 million)
loan with a growth rate of around 20%
18
Sahara Housingfinas Corporation Limited was founded in August 2002 with its registered
corporate office at Kolkata. SHCL commenced retail-lending business in May 2004 with
professionals from the industry and fully integrated on-line systems solution backed by
strong procedures and underwriting standards. Today we operate from four regions viz.
Kolkata, Lucknow, Hyderabad and Mumbai and have a branch each in Kolkata, Asansol,
Siliguri, Lucknow, Gorakhpur, Pune, Hyderabad, Vijaywada and Mumbai. We serve our
clientele through our attractive and competitive home loan schemes. Specially tailored
schemes for the allotees of Sahara City Homes are also being worked out. We are
expanding our business by increasing the number of business outlets.
Media & Entertainment:-
Sahara India Pariwar’s foray into the field of media and entertainment began with the
launch of
Sahara TV on 28 March 2000 with the 24-hour free-to-air Digital Hindi General
Entertainment
19
Channel beamed across 66 countries. On 10th October 2004, the channel was
rechristened Sahara One Television with the launch of the First Indian Sangeet Awards
held at the Royal Albert Hall, London. Sahara One subsequently converted into a pay
channel mode and is part of the Sahara One bouquet of channels. Today, Sahara One
Television reaches out to over 40 million Cable and Satellite Television homes.
Consumer Products & Retail Chain:-
20

At present our product division offers a range of products of everyday use as well as
objects of desire through a chain of showrooms called 'Unique' in various locations of
India. The number of these showrooms is proposed to be increased to 6000. The products
offered come under three categories.
1. Sahara Select - Fashion & Lifestyle Products
2. Sahara Care - Daily Need Products &
3. Sahara Sports - Fitness & Leisure Products
Examples:-
Personal & Beauty Care
Home Care
Clothing
Jewellery & Watches
Accessories
Home Decor
House ware
Home Furnishings
Kids Products
Manufacturing & Service Trading:-
Sahara India launch a new innovative projects as per as:
21
Araria Jute project: Production of handloom, handicrafts & hand-knitted carpets to bring
forth
socio-economic development of the people of Araria.
22

INTRODUCTION OF ORGANIZATION
Sahara India Financial Corporation Limited (SIFO)
INDIA'S LARGEST RESIDUARY NON-BANKING COMPANY IN THE PRIVATE
SECTOR
WITH THE HIGHEST YEARLY DEPOSIT LEVEL
•
First RNBC to be granted a certificate of registration by the Reserve Bank of India.
•
Number of deposit accounts as on October -09 : 3.04cr
•
1508 Service Centers
•
Succeeded in inculcating the savings habit amongst the common man-middle/lower
middle/lower class of the society with even a minimum daily deposit of Re.1.
•
Contributing to the national economy for the overall development of the country, through
money invested in Government Securities, Banks & Institutions.
•
Compliance of 'KYC' and Anti Money Laundering standards of RNBC's issued by the
Reserve Bank of India.
•
Sponsor of Sahara Mutual Fund.
•
Co-promoter of Life Insurance business under the name and style of Sahara India Life
Insurance Company Limited.
23
Registration by Reserve Bank of India
Sahara India Financial Corporation Limited is the first Residuary Non-Banking Company
of the
country that has been granted Certificate of Registration by Reserve Bank of India in
conformity with directions applicable on Residuary Non-Banking Financial Companies
(RNBC’s).
Our Strong and Strict Fundamentals-
24

•
Stringent Expense Control with the Cost of Fund including Interest Cost about 7% per
annum.
•
No Speculative Investment with total Investment in Equity at 0.85% of the Total Assets.
•
High-Class Quality Investment which restrict our Non-Performing Assets ratio to 0.04%
only.
•
Capital Adequacy Ratio of 28.96% while the statutory requirement is for 12% only.
Our Controls & Checks-
•
Customized Application software’s are being used to provide prompt, error free &
secure services to our Esteemed Depositors.
•
All Receipts & Payments are possible after a set of foolproof controls without any need
for human reconciliation.
•
Each & every payment, at all Service Centers is through a computer processed advice
issued from Command Office.
•
1493 Service Centers have online connectivity through a network of VSAT's making
communication fast & reliable.
"RESIDUARY NON-BANKING COMPANIES (RESERVE BANK OF INDIA)
DIRECTIONS, 1987" WHICH ARE TOTALLY APPLICABLE ON SIFO.
The Direction: To invest and keep invested 100% of deposit liabilities along with interest
accrued thereon in high quality securities as specified/approve d by Reserve Bank Of
India (including Government Securities and/or Government Guaranteed Bonds and
Fixed/Certificate of Deposit of Scheduled Commercial Banks and/or Government
Financial Institutions).
25
Safety of the Invested Scraps: To keep scraps in safe custody with a nationalized
bank. Not even a single paisa withdrawal from its investments for its expenses or other
use.
Withdrawals can only be possible for discharge of liabilities to the depositors.
Security for Depositors: All these securities are to be valued at their current market price
and the realizable value of all these assets should at any point of time be 100% or more of
the aggregate deposit liabilities along with interest accrued thereon. Thus there is a full
cover for all the depositors.
Authentication:The above pattern of investment is authenticated on a quarterly basis by
the statutory auditors and the auditors' certificate issued at the end of every March, June,
September & December, is submitted to the Reserve Bank of India within a specified
time. Various other returns as per statutory requirements are also furnished regularly.
Our Founder
Few men in history have made as dramatic a contribution to their country’s economic
fortunes as did the founder of Sahara India Financial Corporation, "Saharasri" Subrata
Roy Sahara. Fewer still have left behind a legacy that is more enduring and timeless.
As with all great pioneers, there is more than one unique way of describing the true
genius of Subrata Roy: The corporate visionary, the unmatched strategist, the proud
patriot, the leader of men, the architect of India’s capital markets.
But the role Subatra cherished most was perhaps that of India’s greatest wealth creator. In
one
lifetime, he built, starting from the proverbial scratch, India’s largest private sector
enterprise.
When Subatra Roy embarked on his first business venture, he had a seed capital of barely
Undaunted, Subatra Roy managed to convince a large number of first-time retail
investors to participate in the unfolding Sahara India story and put their hard-earned
money in the Sahara IPO, promising them, in exchange for their trust, substantial return
on their investments. It was
26

to be the start of one of great stories of mutual respect and reciprocal gain in the Indian
markets.
Under Subrata Roy extraordinary vision and leadership, Sahara scripted one of the
greatest growth stories in corporate history anywhere in the world, and went on to
become India’s largest private sector enterprise.
Through out this amazing journey, Subrata always kept the interests of the ordinary
shareholder uppermost in mind, in the process making millionaires out of many of the
initial investors in the Sahara stock, and creating one of the world’s largest shareholder
families.
Sahara India Financial Corporation offers you products that fulfill your savings and
protection needs. Our aim is to emerge as a transnational Life Insurer of global scale and
standard.
Sahara India Financial Corporations an associate company of Sahara India Parvar. Sahara
India Financial Corporations is one of India’s leading private sector financial services
companies, and ranks among the top 3 private sector financial services and banking
companies, in terms of net worth. Sahara India Financial Corporations has interests in
asset management and mutual funds, stock broking, life and general bonds, proprietary
investments, private equity and other activities in financial services.
27

Sahara India Parivar also has presence in Energy, Natural Resources, Media,
Entertainment,
Healthcare and Infrastructure.
Products offered by the Sahara India Financial Corporation
1) Sahara Real Assets Bond
2) Sahara Star Plus
3) Sahara Minor
4) Sahara Super
5) Sahara 4 DS
6) Sahara FD
28

PART – B
INTRODUCTION OF PROJECT
Concept“A study on different aspects, which works as motivational factor for advisor to
sale
Financial Bonds & Policy of Sahara India Financial Corporation.” Like what are the
various marketing issues related to the bonds products and how does it affect the
occupation and income level and how it is different from other bonds product with
reference to related these Company. This is the topic that I am going to concentrate
during my 4 month SIP and OJT. Here I am going to find out what type of customers are
preferring the policies according to their occupation and income level and also let me
understand the efforts that an financial company make to meet the customers’
demands/requirements as well as making reasonable business.29

OBJECTIVE OF STUDY
Objective of Internship at Sahara India Financial Corporation
The objective of the summer internship is to get the first corporate exposure which helps
a student in understanding the corporate culture. However taking up the on the job
training with Sahara India Financial Corporation has been not only a learning but also a
cherishing experience. The OJT was interesting as well as challenging in its own way.
The following came under purview of the OJT:
•
Understanding the concept of finance as an industry
•
Understanding the regulations of finance.
•
To know the organization culture.
•
To learn how to convenience the customer for buying the financial Bonds
•
To learn the process to fill up the form and the required documentation.
In an Asset Management Company what can be the objective for a trainee?
Yes, it has to do with sales. My OJT can be divided into Recruitment and sales.
The Sales task involves generating leads to recognizing the need of the plan suiting the
investor and finally helping him/her in meeting their financial objective. Finally
converting the lead and getting the form filled by the customer.
•
Identifying: Identifying the customer base for financial plan contacting the customers
and fixing up meetings with the eminent corporate heads and customers.
•
Relationship Building: This is building relationship with the customers.
•
Setting Financial Goals: By discussing the financial goal of the customer their financial
goals can be set and achieved.
•
Choosing the appropriate Plan: After discussing the Financial Goals the appropriate
plan is chosen depending on the investment objective and tenure of the investor.
30

•
Closing the Deal : After the above mentioned steps the following things are done :
•
The customer is shown the Fact sheet showing the past record and performance of the
Plan.
•
The customer is informed about the statement he would receive and the process of
redemption, additional investment and Switch facility etc.
•
Master Form: The deal is finally closed by completing and signing the form and
attaching the documents required.
Once all this is complete the forms are submitted at the Office at OM and the
acknowledgement is handed over to the customer.
My job starts from the first step and ends at the last. There are certain points to be taken
care
of:
•
I try involving the Relationship Officer at the branch so that she can handle the
customers in my absence.
•
It is to be seen that the customer has to be guided about the fund suiting his
requirement.
•
The customer is informed of the entry and exit load depending on the plan opted for.
31

Target / Tasks
The targets I had been given is to selling of financial policies worth Rs.1,00000 and one
recruitment per month and also make the customer aware about Financial and while
doing so selling the plans of Sahara India Financial Corporation’s well. I have achieved
my target by the end of my project, by training the staff members and not leaving a single
lead unconverted. The following are the targets or Tasks under my purview:
•
Understanding the concept of financial bonds as an investment avenue and analyzing the
guidelines issued by IRDA.
•
Following the targets set by the company for the sale of Identifying potential investors
and suggesting the various plans which would cater to their needs, while explaining to
them to position of the particular plan.
•
Full responsibility related to the application form, collection of documents from
customers,
cheque and acknowledgement to be given to the customers.
ACHIEVEMENTS
•
I have completed all the targets given to me with the help of my company guide and the
faculty guide The following is a table showing the Bond & recruitment sold by me :
32
S.No. month
No. Of Bond &
recruitment
Amount
1.
45 day’s
6 Bond
15000 per Bond
Approx.

Personality Development
o
Working under the guidance of Mr. R.K. Nehra has been a rewarding experience. His
knowledge of financial sector and his way of approaching the client is a teaching Institute
in itself. Although his charismatic personality is difficult to be acquired easily I have tried
picking up points and learning from him.
o
A Meeting and Contacting customer has helped me in developing confidence and
acquiring better presentation skill.
o
The feedback of Mr. R.K. Nehra and the interaction with the customers has surely given
me a new light and motivated me to be more updated and emerge as a better professional.
Corporate Exposure
Being a Trainee the SIP was moving a step ahead into the corporate world as a
Professional (as I already have work experience), the road ahead was not easy but the
learning has been enriching enough to forget about the hardships. The following was an
achievement which would go with me throughout my professional life:
The Sahara India Parivar is among India’s top ten private sector business houses on all
major financial parameters, with a market capitalization of Rs.15000 Crore, net assets in
excess of Rs.1937127.27Lac, and net worth to the tune of Rs.55,000 crores (US$ 14
billion)
33
Across different companies, the group has a customer base of over 05 million, the largest
in
India. Through its products and services, the Sahara India Parvar touches the life of 1 in
50
Indians every single day. It has a business presence that extends to over 20000 towns and
4.5
lakhs villages in India, and 5 continents across the world.
The interests of the Group range from communications (Sahara India) and financial
services
(Sahara Indian Corporation Ltd), to generation, Infrastructure and entertainment.
COMPETITORS
Before financial bonds sector was opened to the private sector Financial Corporation was
the only Financial company in India. But after globalization there are number of financial
bonds companies in India.
Financial companies in India:
•
Aviva Financial
•
Birla Sun Life
•
HDFC Standard Bank
•
ICICI Bank
•
Kotak Mahindra Bank
•
Post Office Bonds
•
Reliance Capital
•
SBI Capital
•
Government Securities
•
Tata FinancialSecuri ti es
34

GENERAL PROFILE OF AN ADVISOR

DEFINITION
ADVISOR
“ADVISOR” OR “FINANCIAL ADVISOR” MEANS AN FINANCIAL AGENT
LICENSED TO
ACT SUCH AS UNDER THE RELEVANT PROVISIONS OF THE FINANCIAL ACT
AND WHO
HAS ENTERED INTO THE AGREEMENT WITH SAHARA.
“AGREEMENT” OR “ADVISOR AGREEMENT” MEANS THE AGREEMENT
SEPARATELY
ENTER INTO BETWEEN EACH ADVISOR AND SAHARA.
DUTIES AND RESPONSIBILITIES OF THE ADVISOR
The financial bonds advisor, in addition and subject to to such duties and responsibilities
contained elsewhere in the manual or the agreement and the financial bonds law, shall:
Use his best effort, give his time and attention and exercise due skill and diligence for
the purpose of performing his function and to promote the interest.
Fulfill the minimum performance requirements prescribe from time to time. Comply
at all times with any instruction or guidelines that may be issued. Visit relevant branch
of ivl and the website / financial advisor portal.
35

Bear and pay all cost, charges and expenses incurred by him in the conduct of his
activities and excepts for the commission that he is entitled to under the agreement and
manual, ivl shall not be liable to reimburse to him any such costs, charges or expenses.
Use ethical and lawful means for performing his function to under the agreement and
manual, ivl shall not any time behave in a manner, which may cause any disrepute to or
effect the reputation or cause damage to the goodwill of ivl.
Hold forms, proposal forms, application, cheques, drafts, premium, monies, properties
or securities collected or received by the financial advisor on behalf of ivl from o
prospect or policyholder in trust for and on behalf of ivl.
Before we move on to searching it is an important to know the profile of the advisor.
The general profile would be: -
Age: - 25-45
Smart appearance and sound health
Good market
High IQ and common sense
Drive and ambition
Money motivation
Ability to work under pressure
Prior sales experience
High energy level
Integrity and character
SOME BASIC QUESTION
NOW LET US HAVE A LOOK OVER SOME QUESTION, WHICH TICKLE OUR
HEAD
BEFORE WE START ANYTHING
Why to recruit?
Who to recruit?
36
How to recruit?
Recruitment activities.
What to check while we are recruit.
Why to recruit?
Because we are supported to?
That the why to do this business
More recruit, more active advisors, more BDA
Who to recruit?
1. Quality department has given some indicators in term of what are the common traits of
our
successful advisors.
The commonalties were
AGE
:
Between 30-45
Education
:
Graduate
Family Income
:
Above 2lacs
2. High probability of success has been found in the following case
Tax / financial consultant’s CA.
Bonds and Mutual fund agent.
LIC agent Small business owner.
3. Average profile
Women
Students
VRS/ Retire person
4. Avoidable profiles
New to city
37
Income profile approx Rs1 lac p.a.
People who do not own their transport.
But in any case THE most Successful profile is the PERSON WHO HAS BEEN
MANAGED
WELL BY YOU?
How to recruit?
Thing, which you should have while meeting the prospect.
BOP presenter
My market hundred
Advisor manual
Copy of any certificate
MDRT certificate and
Stress on different profiles – Change your proposition as per the customer
Women- reward and recognition
Tax/Mutual fund/LIC Agent-reward and recognition such as CEO’s club.
CA’s foreign trips, preferential treatment in all aspect, don’t talk about
commission, stress on the extras.
Recruitment activities: -
Activity, which have done well in the recent past:
Jogger’s park
Tele calling set ups
Lead generation activities are some common activities
Things to check while recruiting
Energy- energy………. Always check the person energy
Check his environment his family locality
38

Check whether he can work on his own well these were thing of our knowledge and
interest but why would someone be interested in becoming an advisor to sahara
financial? What would be his role? Etc let’s see.
BE AN ADVISOR
Being an sahara india financial corporation can be an enriching and career option. It’s
opportunity to with an industry leader be in touch with the latest and finest financial
practice from around the globe grow with personally and professional.
Her are some of the benefits of being in sahara india financial corporation advisors.
Unlimited earning potential
A clear career path
All round support through exclusive business advertising your own in house consultant
and world-class hailing.
WHAT DOES IT TAKE TO BE AN SAHARA INDIA ADVISOR?
At sahara india we believe that our ambassadors to customers. They are the key source of
business for the organization and are the continuing link with your clients. That is why
we take a lot of care in recruiting and developing our advisor forces, so that we continue
to set higher standard of living of quality in service and salesmen ship. To cater to the
need of knowledge-oriented market place, we look for graduates who are service, good
communication and enjoy meeting new people prior sales experience is an added benefit
some. Of the qualities we seek are
Self-motivation.
A master communication
39

A go-getter
A graduated
Training
At Sahara financial we understand the importance of training in a dynamic business
environment our advisor got through both generic and specific professional program that
help them remain well informed and knowledge about the company product in the
market. There is a further focus on soft skill such as communication, managing, and long-
term relationship and selling skill, which very relevant in a service.
Business professional routing Sahara India also offers convent- training option such as
online and self-learning are also providing the organization. An 18-day training schedule
covers the mandatory irda training requirement and Sahara India product training
modular revision session ensure that the candidates thoroughly understand the course
content and are walk prepared for the licensing examination.
Theoretical is inter spersed with practical appointment setting with potential customers,
giving advisors a feel how their business will work from the very first day sell through
the unit manager and management provide continuous support to the advisor in achieving
independence towards garnering business.
CAREER
At Sahara financial career development is emphasized upon from the very day the
advisor joint the system. Through individual meeting with his or her manager, the advisor
can various issue related to the business development and career enhancement.
Expectation from the organization in term of chalking a career in the industry is also
discussed.
40

Advisor can participate in this programmed, subject to certain criteria being fulfilled.
Advisor seminar program absorption into the management in another career enhancement
option provided at Sahara financial through advisor seminar program. This program help
advisor build full time career as a unit manager in the organization, offering great
potential for managing a team of advisor and personal development advisor seminar
programmed is also available to advisor
Who are able to meet the performance criteria within the stipulated time?
PROCESS TO BE FOLLOWED
1. Identify are to conduct survey so that we can get maximum of likely fc”. Fc is the
primary function underwriters who explain the plan and advise on the correct selection
that will meet the need of the customer. Fc should having good communication skill and
convincing power and above all have good social. So we have to search find out the area
where we can find out the target customer that is fc to collect the information of potential
area we go though newspapers, magazine. So we can have knowledge of all honing in the
city. Than we select some area, which hold meetings, clubs, seminars and public joints,
we will go there with our whole team to brief the person the person about the company
and advisor though the presentation specters get the knowledge of company and work of
fc’s than we collect data from them. We also did survey of good location so that we can
catch more people. This survey give me information about advertisement and some hint’s
also we also target new graduate as are need to be in job and perform better by work to
bring in the business for company.
2.Identifying weather the prospect fit out profile or likely fc” by administering
questionnaire. After identify potential area we had to approach the person who fulfills the
mandatory as well as optional parameter of a fc, mandatory parameter include that they
do not have Sahara India agency and has social contact base of more than so
41
people after analyzing the field questionnaire we can able to judge best out of this best
and identify whether prospect fit our profile of ‘likely’ advisor with this.
RESEARCH METHODOLOGY
DATA COLLECTION
Data collection is a term used to describe a process of preparing and collecting business
data -
for example as part of a process improvement or similar project.
Data collection usually takes place early on in an improvement project, and is often
formalized
through a data collection Plan which often contains the following activity.
1.Pre collection activity – Agree goals, target data, definitions, methods
2.Collection – data collection
3.Present Findings – usually involves some form of sorting analysis and/or presentation.
There are two methods of data collection which are discussed below:
DATA COLLECTION
PRIMARY DATA
SECONDARY DATA
(Data collection techniques)
42
QUESTIONNAIRE INTERVIEW
EXTERNAL INTERNET INTERNAL
SOURCE
SOURCE
PRIMARY DATA
In primary data collection, you collect the data yourself using methods such as interviews
and questionnaires. The key point here is that the data you collect is unique to you and
your research and, until you publish, no one else has access to it.
I have tried to collect the data using methods such as interviews and questionnaires. The
key point here is that the data collected is unique and research and, no one else has access
to it. It is done to get the real scenario and to get the original data of present.
DATA COLLECTION TECHNIQUE
Questionnaire:
Questionnaire are a popular means of collecting data, but are difficult to design and often
require many rewrites before an acceptable questionnaire is produced. The features
included in questionnaire are:
•
Theme and covering letter
•
Instruction for completion
•
Types of questions
•
Length
43
Unstructured

Interview:
This technique is primarily used to gain an understanding of the underlying reasons and
motivations for people’s attitudes, preferences or behavior. The interview was done by
asking a general question. I encourage the respondent to talk freely. I have used an
unstructured format, the subsequent direction of the interview being determined by the
respondent’s initial reply, and come to know what is its initial problem is.
SAMPLING METHODOLOGY
Sampling technique:
Initially, a rough draft was prepared keeping in mind the objective of the research. A pilot
study was done in order to know the accuracy of the questionnaire. The final
questionnaire was arrived only after certain important changes were done. Thus my
sampling came out to be judgmental and continent.
Sampling Unit:
The respondents who were asked to fill out questionnaires are the sampling units. These
comprise of kartavyayogis of corporate Marketing Sahara India Pariwar, who had
attended the personality development workshop.
Sampling Size:10 0
SECONDARY DATA
44

All methods of data collection can supply quantitative data (numbers, statistics or
financial) or qualitative data (usually words or text). Quantitative data may often be
presented in tabular or graphical form. Secondary data is data that has already been
collected by someone else for a different purpose to yours.
Need of using secondary data:-
1. Data is of use in the collection of primary data.
2. They are one of the cheapest and easiest means of access to information.
3. Secondary data may actually provided enough information to resolve the problem
being
investigated.
4. Secondary data can be a valuable source of new ideas that can be explored later
through
primary research.
Limitation of secondary data:-
1. May be outdated.
2. No control over data collection.
3. May not be reported in the required form.
4. May not be reported in the required form.
5. May not be very accurate.
6. Collection for some other purpose.
RESEARCH AIM
The aim of this study is to know about the “A study on different aspects, which works as
motivational factor for advisor to sale Financial Bonds & Policy of Sahara India
Financial Corporation” The project also aims to create awareness about financial Bonds.
OBJECTIVE
45

Primary objective:
A study on different aspects, which works as motivational factor for advisor to sale
Financial
Bonds & Policy of Sahara India Financial Corporation
Secondary Objective:
•
To create the brand awareness for Fd’s in market.
•
To create awareness regarding the investors knowledge about various investment
schemes.
•
To get the pulse of investor profile & portfolio.
•
To find new strategies for the company & search for developmental areas for more
development & progress.
RESEARCH APPROACH:
Survey with a structured schedule at different areas of Sikar City.
RESEARCH INSTRUMENT:
A structured schedule is followed at Sahara Financial employees & apart from that
information is collected from the respondents.
46

SAMPLE PLAN
Descriptive Research
Population Definition:
Element – Retail and Medium Net worth Investors.
Sample Frame – Sikar city.
Sampling Method – Simple Random Sampling.
Sample Size – 100
LIMITATION OF STUDY
•
In this field lots of research has been taken place but the exact cause or problem could
not be targeted.
•
As far as the question of motivation of customer is concern the research are not showing
the real picture and the level of customer in SAHARA FINANCIAL has not been
disclosed, so there is the need of study of this title .
•
Some investors' previous experiences are very bitter so it is a tough task to motivate
them for further investments in Bonds.
•
Some people are having very reserved nature & are not so open so they do not like to
share their views regarding their investments & experiences.
•
People have become very fear for investments in Bonds after the continuous
fluctuations in the share market.
•
People they like to invest in LIC. Then to motivate them for investments in becomes a
critical task.
•
Investors like to invest in which company which gives surety of return, as so to convince
them for investment in continuing Bonds product of SAHARA INDIA FINANCIAL is a
challenging task.
47

•
Some investors like to invest in those products which are giving maximum return in
fewer premiums.
FACT AND FINDING
In my project I found that
•
SAHARA INDIA FINANCIAL CORPORATION gives sound attention in solving each
and
every query of investor.
•
I also found that they use different strategy to attract and motivate the customers.
•
I found they have very good plans and policies to motivate the customer.
•
Sahara India has very good sales force, which handles the customer easily.
•
Operation Department gives equal importance to each customer whether client is big or
small investor.
•
The employee of Sahara India very punctual and dedicated toward their work. They are
customer oriented and believe in providing customer satisfaction to their investment.
48

•
Branch manager keep on auditing the branch that whether they are working properly or
not.
•
They know if they provided proper customer care service to the investor it will help in
maintain long term relationship which will help in increasing the sale and growth of the
company.
ANALYSIS & INTERPRETATION
I did Survey & collect Information from 100 people related my Project and after survey
we
found result, which is as follows.
Question 1: - What are your preferred investment priorities?
Mutual
Fund
Life
Insurance
Bond’s &
Debenture
Equities
and
Share
Market
PPF
Real
Estate
FD’s
18
14
6
19
14
5
24
49
Interpretation:
The intention of the researcher here is to know about the investment pattern of the
investors or the instruments because the most preferred by the investors for the purpose
of investment. We come to know that the majority of the people belong to fixed deposits.
In this group about 24% of people have shown a great faith for the investment.
Investors also able to attract in mutual funds because they want some tax benefit and
other
type of flexible investments and of course more returns.
Some people have most trust in govt. securities (Bonds, Debentures etc.), Post Office
savings,
and real estate and in PPF because they are not enough aware about of the mutual funds
and
50
Preferred investment priorities
05
10
15
20
25
30
M.F.
Bond's
LifeIns
PPF
Real
Estate
FD’s
Equity
y
new financial plans related financial market. In the FD’s, Post office savings and govt.
securities they get a constant rate of return and stability of their money and no risk of
their investment.
Question 2: - Your annual income is between?
Attributes
No. of person
Percentage
Below 1 Lac
14
14%
1 Lac – 2 Lac
40
40%
2 Lac – 5 Lac
31
31%
Above 5 Lac
15
15%
Total
100
51
> 1 La
c
1-2 La
c
2-5 La
c
< 5 La
c
Interpretation:
There is no. of factors which drive the investor to invest in a particular type of
investment. Every person do some investment according to their source of income for
prevent the future uncertainties.
The study shows that among all these options related to different annual income people
whose annual income between 1 Lac – 2 Lac(about 40%) and between 2 Lac – 5
Lac(about 31%) are mostly attracted by the saving features of a particular security. This
is the main reason while investing in financial bonds because in this income group most
are having enough money for investments so they are generally risk takers. Generally
people whose annual income is below than 1 Lac they are also attract in this bonds. But
the person whose annual income is above 5 Lac (about 9%) they are more interested in
high earning areas like property, commodity and equity market.
Question 3: - Are you aware about Sahara Financial plans?
Attribute
No. of person
Percentage
I Know
48
48%
I don’t know
26
26%
I know but I have not interest 26
26%
52
0 10 20 30 40 50 60
I know
I don't know
I know but ihave not interest
Interpretation:
Here the aim of the researcher is to find out the awareness of investment of the people
who are investing in financial bonds. So as to know about 48% investors invest their
money in financial bonds and they know about their investment so for keep this
investment active they give their premium on regular mode as they preferred in their
policy bond.
Some (about 26%) don’t know about their next premium dues because their accountant or
C.A.’ keep them remind for paying premium.
About 26% investors don’t have any interest in this sector. Although they have some
bonds
policies but for investment they prefer high returning areas like stock market and real
estate.
Question 4: - What feature of Sahara india inspired you to invest in
Financial Bonds & Policy?
53
Attribute
No. of person
Percentage
Returns
28
28%
Flexibility
13
13%
Liquidity
12
12%
Tax benefit
25
25%
Guarantee
22
22%
Returns
Flexibility
Liquidity
Tax benef
it
Guarante
e
Interpretation:
The intention of the researcher here is to know about the feature of Bonds that inspires an
investor to invest their money into this business. Most of the investors invest (approx
28%) their money for getting returns keeping in mind the concept of time value of
money. Investor who invest their money they also want the option of flexibility in terms
of payment and liquidity. Tax benefit is also another option which attracts investor to
invest in Bonds, because in today’s time some life FD’s plans give all these things
according the need of the customer.
QUESTION 5: - How Do You Select A Company Or A Plan For Smart
Investment?
54
Attributes
No. of units
Percentage
Brand Name
34
34%
Good Services
22
22%
High Returns
16
16%
Variety of options
15
15%
Advertisements
13
13%
brand name
good servi ces
hi gh ret urns
variety of opt i ons
adverti sement s
Interpretation:
As there are many things come under when a person go for such an investment. The aim
of the researcher is to know that which strategy of a company is most preferred by the
people and the study shows that the most of the people go for brand name (about 34%).
They want to join a big and popular name concern for safety and regular returns.
Investors least want to invest their money because of advertisement, because in this type
of
phenomena they have more risk because of the high volatility.
Question 6: - Which marketing strategy you preferred to get the knowledge
of the product of the company?
55
Bancassurance
Advertising
Direct Marketing
Personal Selling
14
22
17
47
bancassura
nce
advertising
direct
marketing
personal
selling
0
10
20
30
40
50
Interpretation:
The study shows that about 47% of the people preferred to get the knowledge of the
product of the company by personal selling or we can say that someone come to investor
and give all the information about his/her
investment portfolio. In other hand banc assurance, advertising and direct marketing also
are some tools by which investor get the knowledge about the relevant investment
products. But at the time of today in spite of all these other communication mix activities
investor gives preference to personal selling at the most.
QUES 7: - Do You Think Is There Any Chances of Improvement in the Legal Proceeding
and Documentation at the Time of Claim or Maturity?
56
ATTRIBUTE
NO. OF UNIT
PERCENTAGE
Yes
67
67%
No
16
16%
Can’t Say
17
17%
Total
100
0
10
20
30
40
50
60
70
80
yes
no
can't say
Interpretation:
This study shows us that 67% of the people think that there should have chances of
improvement in the legal proceeding and documentation at the claim or maturity. They
think that at the time of claim or maturity bonds company find out the various reasons to
refuse claim, because there has been a lot of time spent between commencement of
policy and maturity period. So they want flexibility about the legal proceedings.
57

SWOT ANALYSIS
Strength
Good brand image
Having 30 year of experience
Good customer base
We well tanning management
Weakness
Sahara Financial Advisor base
Sahara Financial have few branch & franchisee branch
Sahara not be popular in South reason
Opportunity
In Financial Bond, policies & market investment like equities, debenture investments are
having a wide opportunity because they give wide opportunity for high return &
investment.
Threats
In Financial Bond, policies & market investment like equities, debenture investments
having a threat that’s are a high risk in equities & low risk in bonds but they have low
Return.
58

CONCLUSION
The Ground rules of Financial Investing
Moses gave to his followers 7 commandments that were to be followed till eternity. The
world
of investments too has several ground rules meant for investors who are novices in their
own right and wish to enter the myriad world of investments. These come in handy for
there is every possibility of losing what one has if due care is not taken.
1.Assess yourself: Self-assessment of one’s needs; expectations and risk profile is of
prime importance failing which; one will make more mistakes in putting money in right
places than otherwise. One should identify the degree of risk bearing capacity one has
and also clearly state the expectations from the investments. Irrational expectations will
only bring pain.
2.Try to understand where the money is going: It is important to identify the
nature of investment and to know if one is compatible with the investment. One can
lose substantially if one picks thewrong kind of mutual fund. In order to avoid any
confusion it is better to go through the literature such as offer document and fact
sheets that mutual fund companies provide on their funds.
3.Don’t rush in picking funds, think first: one first has to decide what he
wants the money for and it is this investment goal that should be the guiding light for all
investments done. It is thus important to know the risks associated with the fund and
align it with the quantum of risk one is willing to take. One should take a look at the
portfolio of the funds for the purpose. Excessive exposure to any specific sector should
be avoided, as it will only add to the risk of the entire portfolio. Mutual funds invest with
a certain ideology such as the “Value Principle” or “Growth Philosophy”. Both have their
share of critics but both philosophies work for investors of different kinds. Identifying the
proposed investment philosophy of the fund will give an insight into the kind of risks that
it shall be taking in future.
59

4.Invest. Don’t speculate: A common investor is limited in the degree of risk that
he is willing to take. It is thus of key importance that there is thought given to the
process of investment and to the time horizon of the intended investment. One
should abstain from speculating which in other words would mean getting out of one
fund and investing in another with the intention of making quick money. One would
do well to remember that nobody can perfectly time the market so staying invested is
the best option unless there are compelling reasons to exit.
5.Don’t put all the eggs in one basket: This old age adage is of utmost
importance. No matter what the risk profile of a person is, it is always advisable to
diversify the risks associated. So putting one’s money in different asset classes is
generally the best option as it averages the risks in each category. Thus, even
investors of equity should be judicious and invest some portion of the investment in
debt. Diversification even in any particular asset class (such as equity, debt) is good.
Not all fund managers have the same acumen of fund management and with
identification of the best man being a tough task; it is good to place money in the
hands of several fund managers. This might reduce the maximum return possible,
but will also reduce the risks.
6.Do your homework: It is important for all investors to research the avenues
available to them irrespective of the investor category they belong to. This is
important because an informed investor is in a better decision to make right
decisions. Having identified the risks associated with the investment is important and
so one should try to know all aspects associated with it. Asking the intermediaries is
one of the ways to take care of the problem.
60

7.Find the right funds: Finding funds that do not charge many fees is of importance,
as the fee charged ultimately goes from the pocket of the investor. This is even more
important for debt funds as the returns from these funds are not much. Funds that
charge more will reduce the yield to the investor. Finding the right funds is important
and one should also use these funds for tax efficiency. Investors of equity should
keep in mind that all dividends are currently tax-free in India and so their tax
liabilities can be reduced if the dividend payout option is used. Investors of debt will
be charged a tax on dividend distribution and so can easily avoid the payout options.
8.Keep track of your investments: Finding the right fund is important but even more
important is to keep track of the way they are performing in the market. If the market
is beginning to enter a bearish phase, then investors of equity too will benefit by
switching to debt funds as the losses can be minimized. One can always switch back
to equity if the equity market starts to show some buoyancy.
61

ANNEXURE
QUESTIONNAIRE
Survey Form:-
1.Which age group you belong?
a) 20-35
b) 36-45
c) 45-60
d) Above 60
2.Your annual income is between?
a) Below 1 lac
b) 1 lac-2 lac
c) 2 lac-5 lac
d) Above 5 lac
3. What is the investment goal?
a) You invest primarily for growth
b) Primarily for income
c) For Tax saving
d) for regular flow of income
e) Primarily for stability
f) Protect your investment from loss
g) Increase the value of your investment over the long term
4. What is the fund’s investment strategy?
a) Sector oriented
b) Diversified
c) Balanced
d) Debt
e) Equity
5. Which type of fund you prefer?
a) Open ended
b) Close ended
6. What are the fund’s fees or expenses?
a) Entry load
b) Exit load
62

c) Both
d) Nil
7. You prefer to invest in?
a) SIP
b) Lump sum
8.Is your investment decision get affected by any major event occurred like Q results,
budget?
a) Fully
b) Partially
c) No effect
d) Can’t say
9.You prefer mutual funds of traditional type or want some innovative in it like investing
in
commodities, currency?
a) Yes
b) No
10.
While investing you prefer to take advice from?
a) From an expert
b) Family
c) Friends
d) Self
63

BIBLIOGRAPHY
1. BOOKS/MAGAZINES:
•
Marketing Management by Philip Kotler
•
Marketing Management by Shrma,Kothari
•
Economic Times.
•
Data gathered from Broachers.
•
Interview of Brokers and customers.
•
Business World
2. WEBSITES:
•
http://www.sahara.co.in
•
http://www.sahara.org
•
http://www.managementhelp.org/search/management_help_search.html?
zoom_query=training+and+development
•
http://www.inc.com/magazine/19930201/3393_pagen_7.html
•
http://humanresources.about.com/od/trainingtrends/Future_Education_and_Training_Tr
ends.htm
•
http://humanresources.about.com/od/training/Training_Development_and_Education_fo
r_Employees.htm
•
www.google.com.
64

marketing report on sahara india financial corporation

Download this Document for FreePrintMobileCollectionsReport Document

Report this document?

Please tell us reason(s) for reporting this document
Top of Form
8871 c9 a08 e24 fd

doc

Spam or junk
Porn adult content
Hateful or offensive
If you are the copyright owner of this document and want to report it, please follow these
directions to submit a copyright infringement notice.
Report
Cancel
Bottom of Form
This is a private document.
Info and Rating
Reads:
2,226

Uploaded:
03/19/2010
Category:
Research>Business & Economics
Rated:
0 5 false false 0

marketing report on sahara india financial corporation

marketing project
financial limited
(more tags)
marketing report on sahara india financial corporation
marketing project
financial limited
finance
department
sahara marketing
activities
free download
pariwar summer
hr free
shara
india media
(fewer)
Follow

ajoshi_2006
Share & Embed

Related Documents
PreviousNext

p.

p.

8 p.

2 p.
 p.

59 p.

13 p.

64 p.

p.

16 p.

28 p.
28 p.

p.

4 p.

1 p.

113 p.

6 p.
1 p.

1 p.

1 p.

826 p.

7 p.

2 p.
42 p.

6 p.

3 p.

5 p.

1 p.

1 p.
2 p.

2 p.

13 p.

13 p.

426 p.

p.
p.

5 p.

10 p.

2 p.

1 p.

1 p.
 12 p.

2 p.

11 p.

More from this user

PreviousNext

1 p.

64 p.

1 p.

Recent Readcasters
Add a Comment
Top of Form
8871c9a08e24fd
Submit
Characters: 400
document_comme

4gen

Bottom of Form

Archit Sach left a comment

http://www.scribd.com/full/28613772?a...
07 / 26 / 2010
Reply

Print this document

High Quality
Open the downloaded document, and select print from the file menu (PDF reader
required).

Scribd Archive > Charge to your Mobile Phone Bill

Sign up
Use your Facebook login and see what your friends are reading and sharing.
Other login options
Login with Facebook
Top of Form
http://w w w .scrib http://w w w .scrib

Bottom of Form
Signup
I don't have a Facebook account
Top of Form
8871c9a08e24fd

default

email address (required)

create username (required)
password (required)
Send me the Scribd Newsletter, and occasional account related communications.
Privacy policy
You will receive email notifications regarding your account activity. You can manage
these notifications in your account settings. We promise to respect your privacy.
Bottom of Form
Why Sign up?
 Discover and connect with people of similar interests.

Publish your documents quickly and easily.

Share your reading interests on Scribd and social sites.

Already have a Scribd account?

Top of Form
8871c9a08e24fd

email address or username

password
Log In
Trouble logging in?
Bottom of Form
Login Successful
Now bringing you back...

« Back to Login
Reset your password
Please enter your email address below to reset your password. We will send you an email
with instructions on how to continue.
Top of Form
8871c9a08e24fd

Email address:
You need to provide a login for this account as well.
Login:
Submit

Bottom of Form
Upload a Document
Top of Form

Bottom of Form
Follow Us!
scribd.com/scribd
twitter.com/scribd
facebook.com/scribd
About
Press
Blog
Partners
Scribd 101
Web Stuff
Scribd Store
Support
FAQ
Developers / API
Jobs
Terms
Copyright
Privacy