CHAPTER 1

INTRODUCTION

1
 AN INTRODUCTION
Training is “hiring” of Candidate from outside. Training has been regarded as the most
important function of the HR department , because unless the right type of people are hired,
even the best plans, organization chart and control system would not do much good.

Training is the discovering of potential applicant for actual or anticipated organizational

vacancies. Accordingly the purpose of Training is to locate sources of manpower to meet the
job requirements and job specification.

It is defined as „ a process to discover the sources of manpower to meet the requirements of

staffing schedule and to apply effective measures for attracting the manpower to adequate
number to facilitate effective Placement of an effective workforce‟

Yoder points out that Training is a process to discover the sources of manpower to meet the
requirement of the staffing schedule and to employee effective measures to attracting that
manpower in adequate number to facilitate effective Placement of an effective workforce.

Edwin B Flippo defines Training as „the process of searching for prospective Candidate and
stimulating them to apply for the jobs in the organization.‟

“It is the process of finding and attracting capable applicants for employment. The process
begins when new recruits are sought and ends when their application are submitted. The
result is a pool of applicants from which new Candidate are selected.”

Methods of Training

Dunn and Stephens summaries the possible recruiting methods into three categories, namely

1: Direct method

2: Indirect method

3: Third party method

2
DIRECT METHOD

The direct method includes sending of the recruiters to different educational and professional
institutions, Candidate contact with public, and mannered exhibits. One of the widely used
methods is sending the recruiters to different colleges and technical schools. This is mainly
done with the cooperation of the placement office of the college. Sometimes, firms directly
solicit information form the concerned professors about student with an outstanding records.

Other direct methods include sending recruiters to conventions and seminars, setting up
exhibits at fairs, and using mobile offices to go the desired centers.

INDIRECT METHOD

Indirect method involves mainly advertising in newspapers, on the radios, in trade and
professional journals, technical magazines and brochures.

Advertisements in newspapers and or trade journals and magazines are the most frequently
used methods. Senior post is largely filled with such methods. Advertising is a very useful for
recruiting blue color and hourly worker, as well as scientific, professional, and technical
Candidate.

Local newspaper can be good sources of blue collar workers, clerical Candidate, and lower
level administrative Candidate.

The main point is that the higher the position in the organization the more dispersed
advertisement is likely to be. The search for the top executive might include advertisement in
a national periodical, whereas the advertisement of the blue color jobs usually confine to the
daily newspaper.

According to the Advertisement tactic and strategy in personnel Training, three main
points need to be borne in the mind before an advertisement in inserted.

First, to visualize the type of applicants one is trying to recruit.

Second, to write out a list of advantages the company offers, or why should the reader join
the company.

Third, to decide where to run the advertisement , not only in which area, but also in which
newspaper having a local, state or a nation- wide circulation.

3
THRID PARTY

These include the use of commercial or private employment agencies, state agencies, and
placement offices of schools colleges and professional associations recruiting firms,
management consulting firms, indoctrination seminars for college professors, and friends and
relatives.

Private employment agencies are the most widely used sources. They charge a small fee from
the applicant. They specialize in specific occupation; general office help, salesmen, technical
workers, accountant, computer staff, engineers and executives.

State or public employment agencies are also known as the employment or labour exchanges,
are the main agencies for the public employment. Employers inform them of their personnel
requirement, while job seekers get information for them about the type of job are referred by
the employer.

Schools and colleges offer opportunities for recruiting their student. They operate placement
services where complete biodata and other particular of the student are available.

Professional organization or recruiting firms maintain complete information records about

employed executive. These firms maintain complete information records about employed
executives. These firms are looked upon as the „head hunters‟ , „raiders‟, and „pirates‟ by
organization which loose their personnel through their efforts.

4
UNIVERSAL GAINS OF A RETAIL FRANCHISE TO THE BANKS

  Retail banking clients are generally loyal and tend not to change from one bank to another
very often.

  Interest spreads are wide, since customers are too fragmented to bargain effectively;
Credit risk tends to be well diversified, as loan amounts are relatively small.

 There is less volatility in demand and credit cycle than from large corporate
organizations.
 Large number of clients can facilitate marketing, mass selling and the ability to
categorise/select clients using scoring systems/ data mining.

 Relative safety implied by the mortgage loans.

RETAIL BANKING IN INDIA

A remarkable shift in the Indian economy from the manufacturing sector to a budding service
sector (Banking) can be witnessed in recent years.  The banking scenario in India is at the
crossroads and is continuously evolving, but the progress has been remarkable over the past
decade. With the retail banking sector expected to grow at a rate of 30%, players are focusing
more and more on the retail and are walking up to the potential of this sector of banking. In
future the retail banking industry in India is likely to reach a value of $300 billion by 2010.

INDIA'S RETAIL-BANKING CUSTOMERS

 Indian customers are hidden behind an impenetrable wall of loyalty to local banks.
 They have a general aversion to credit.
 The most profitable and fastest-growing segments—the young and the relatively
affluent—are quite willing to give foreign entrants a chance.

By delivering quality service and a sophisticated portfolio of financial products the

Multinational banks may create an opening in this wall of loyalty and capture a share of
India's fast-growing retail-banking market.

5
The study was carried out for a period of 60 days, in which the main focus was to follow the
performance of the different-different mutual fund companies and assent management
companies. Since different companies come out with similar themes in the same season, it
becomes crucial for the company to constantly perform well so as to survive the competition
and provide maximum capital appreciation or return as the case may be. Other than the
market the performance of the fund depends on the kind of stock chosen by the fund
managers of the company.

The analysis is done on the performance of funds with the same theme or sector and reason
out why a fund performs better than the others in the lot.

The study first tries to understand the composition of the selected funds which determines the
scope of performance for the funds, followed by use of ratios that are relevant in quantifying
and understanding the risk and return relationships for each mutual fund scheme under
consideration. Then a comparative analysis of the mutual fund schemes is done to see which
fund has performed the best.

This study is significant to the company as it looks into the minute details that differentiate
the performances of funds of different companies with same theme or sector under similar
market conditions. This would help the company to develop.

6
 CHAPTER 2

COMPANY PROFILE

7
 COMPANY PROFILE
(History)

HDFC LIFE INSURANCE

HDFC LIFE INSURANCE Limited was incorporated in August 1994. It was promoted by
Housing Development Finance Corporation Limited (HDFC), India's largest housing finance
company. It was among the first companies to receive an 'in principle' approval from the
ReserveBankofIndia (RBI) to set up a bank in the private sector. The Bank started operations
as a scheduled commercial bank in January 1995 under the RBI's liberalization policies. On 26
February 2000, Times Bank Limited owned by The Times Group (Bennett, Coleman & Co.) was
merged with HDFC LIFE INSURANCE Ltd. This was the first merger of two private banks in India.
Shareholders of Times Bank received 1 share of HDFC LIFE INSURANCE for every 5.75 shares of Times
Bank. On 23 May 2008, HDFC LIFE INSURANCE acquired CenturionBankofPunjab taking its total
branches to more than 1,000. The amalgamated bank emerged with a base of about Rs. 1, 22,000
crore and net advances of about Rs. 89,000 crore. The balance sheet size of the combined entity is
more than Rs. 1, 63,000 crore.

Times Bank Amalgamation:

In a milestone transaction in the Indian banking industry, Times Bank Limited (another new
private sector bank promoted by Bennett, Coleman & Co./Times Group) was merged with
HDFC LIFE INSURANCE Ltd., effective February 26, 2000. As per the scheme of
amalgamation approved by the shareholders of both banks and the Reserve Bank of India,
shareholders of Times Bank received 1 share of HDFC LIFE INSURANCE for every 5.75
shares of Times Bank. The acquisition added significant value to HDFC LIFE INSURANCE
in terms of increased branch network, expanded geographic reach, enhanced customer base,
skilled manpower and the opportunity to cross-sell and leverage alternative delivery channels.

BUISNESS FOCUS

8
 HDFC LIFE INSURANCE’s mission is to be a World Class Indian Bank. The objective
is to build sound customer franchises across distinct businesses so as to be the preferred
provider of banking services for target retail and wholesale customer segments, and to
achieve healthy growth in profitability, consistent with the bank’s risk appetite. The bank is
committed to maintain the highest level of ethical standards, professional integrity, corporate
governance and regulatory compliance. HDFC LIFE INSURANCE’s business philosophy is
based on four core values:
 Operational Excellence,
 Customer Focus,
 Product Leadership
 People.

Key PEOPLE OF HDFC

C M Vasudev AdityPuri RenuKarnad PanditPalande

(Chairman) (MD) (Director) (Director)

Board Of Directors

 Chairman - C M Vasudev

 Managing Director - Aditya Puri

RenuKarnad
PanditPalande
 Director - Partho S Datta
Bobby Parikh
Anami N Roy
 Additional Director - Keki Mistry
 Executive Director- Harish Engineer
Pareshsukthankar
 Company secretary - Sanjay Dongre

SERVICES OFFERED BY THE COMPANY:

9
p
D
L
s
t
d
a
c
v
I
n
m
e
r
o
f
i
x
Personal Banking










Accounts & Deposits
Loans
Cards
Forex
Investments & Insurance

NRI Banking




Accounts & Deposits 
Remittances 
Investments & Insurance Loans  Payment Services 

Wholesale Banking

 Corporate 
Small & Medium Enterprises 
Financial Institutions & Trusts 
Government Sector

PRODUCTS AND SERVICES – HDFC LIFE INSURANCE

10
Product range: The following is the product range offered at HDFC: While various deposit
products offered by the bank are assigned different names, the deposit products can be
categorized broadly into the following types. Definition of major deposit schemes are as
under:

1. Demand deposits: "Demand Deposits" means a deposit received by the bank which is
withdrawn able on demand;

a) Savings Account: "Savings Deposits" means a form of Demand Deposit which is subject to
restrictions as to the number of withdrawals as also the amounts of withdrawals permitted by
the bank during any specified period; HDFC provides with saving bank account with the
usual facilities, and one also gets a free ATM card, intrbranch banking, bill payment
facilities, phone banking and mobile banking.

2. Term Deposits: "Term Deposit" means a deposit received by the bank for a fixed period
withdraw able only after the expiry of the fixed period and includes deposits such as
Recurring / Double Benefit Deposits.

3. Notice Deposit: ''Notice Deposit'' means Term Deposit for a specific period but which can
be withdrawn on giving at least one complete banking day's notice.

4. Current Account: "Current Account" means a form of Demand Deposit wherefrom

withdrawals are allowed any number of times depending upon the balance in the account or
up to a particular agreed amount and will also include other deposit accounts which are
neither Savings Deposit nor Term Deposit; The account holder gets a personalized cheque
book, monthly account statements, and Inter-branch banking

5. Corporate Account: These are more commonly known as Salary Accounts. These are
account in HDFC LIFE INSURANCE with zero balance. These are given to salaried people.
These accounts are opened by the employer for the employees to deposit the salary of the
employee directly to the account.

6. HDFC LIFE INSURANCE Preferred: A preferential Savings Account where in, one is
assigned with a dedicated Relationship Manager, who’s you’re the one point contact. One
also get privileges like fee waivers, enhanced ATM withdrawal limit, priority locker
allotment, free Demat Account and lower interest rates on loans.

7. Sweep-In Account: A Fixed Deposit linked to one’s Savings Account. So, even if one’s
Savings Account runs a bit short, one can issue a cheque (or use ATM Card).
11
8. Super Saver Account: It gives one an overdraft facility up to 75% of one’s fixed deposit.
In an emergency, you can access your funds while your fixed deposit continues to earn high
interest.

9. HDFC LIFE INSURANCE Plus: Apart from Regular and Premium Current Accounts
HDFC also has HDFC LIFE INSURANCE Plus, a Current Account and then something extra
for the HDFC LIFE INSURANCE customers. One can transfer up to Rs. 50 lakh every
month at no extra charges, between the four metros.

10. Demat Account: One can conduct hassle-free transactions on the stock market for one’s
shares. The shares held by the customer are protected from damage, loss and theft, by
maintaining these shares in electronic form. This account can be accessed through Internet
too.

11. Loans: There are a variety of loan schemes offered like personal loans, new car
loans, used car loans, loan against shares, consumer loans, two wheeler loans, and home
loans.

ICICI LIFE INSURANCE Savings Accounts in India

 Debit-cum-ATM Card - With ICICI LIFE INSURANCESavings Account you will get a
debit card that you can use to withdraw cash from any ATM. You may also use your
debit card to directly make purchases through a Visa/Mastercard POS (Point of Sale)
machine available at most stores! This will help you access your money from
anywhere.
 Money Multiplier Facility - Allow us to take care of your idle money by moving it
into high interest savings account earning.
 Internet Banking - Banking could not have been more convenient. Just log in with
your user ID and password and make banking a hassle-free routine.
 Customer Care - Our 24-hour Customer Care is always available to answer any query
or take your instructions. For Customer Care numbers.
 Mobile Banking - Transferring funds or getting to know your balance is as easy as
sending an SMS. For details on Mobile Banking.
 Standing Instructions - ICICI LIFE INSURANCE accepts and supports Standing
Instructions. You don't have to worry about the chore of carrying out a routine
transaction. Just set up a Standing Instruction and leave it to us to manage.

12
  Nomination Facility - You may nominate a person as beneficiary to your account
proceeds.
 DD Call and Collect - Don't waste even a minute in a queue to collect a Demand
Draft or Pay Order. On the way to the branch, just call Customer Care, provide details
of the DD to be prepared and collect it ready and signed at the branch.
 Savings Account Portability - You may request for transfer of your Savings Account
from one branch to another branch of ICICI LIFE INSURANCE by giving a written
request in the branch or by calling the 24 X 7 Customer Care OR placing a request
through internet banking. The account will be transferred within 2 working days
without :
o suspending the account operations
o change in account number
o surrender of debit card, cheque book

Silver Savings Account

 Why settle for less when you have Silver Savings Account. The ICICI LIFE
INSURANCE International VISA debit card is a debit-cum-ATM card providing you
with the convenience of acceptance at merchant establishments and cash withdrawals
at ATMs.
 Money Multiplier Facility.
 Internet Banking is offered free of cost.
 You can give us various types of standing instructions like transferring to fixed
deposit accounts at regular intervals.
 Nomination facility is available.
 Interest is payable half-yearly.

Professional Savings Account

An exclusive set of banking and financial services, catering to the specific needs of
discerning professionals. It brings together a host of services, privileges and lifestyle benefit

Privilege Banking

Enjoy exclusive benefits across products & services.

13
Salary Account

Take advantage of an efficient payroll account.

Family Banking

All your banking needs can now be catered to by a single 'Family' banking.

b2 Savings Account

A whole new face for freedom and control. b2 is a digital savings account with features like
higher earnings, zero minimum balance, zero charges and a lot more.

Outward Remittance

A simple, reliable and quick way to send money outside India. Send money as gift, for
education, for maintenance of loved ones or donation for a cause

Loans
ICICI LIFE INSURANCE offers wide variety of Loans Products to suit your
requirements.Coupled with convenience of networked branches/ ATMs and facility of E-
channels like Internet and Mobile Banking, ICICI LIFE INSURANCE brings banking at your
doorstep. Select any of our loan product and provide your details online and our
representative will contact you for getting loans.

Home Loans

The No. 1 Home Loans Provider in the country, ICICI LIFE INSURANCE Home Loans
offers some unbeatable benefits to its customers - Doorstep Service, Simplified
Documentation and Guidance throughout the Process. It's really easy !

Personal Loans

If you're looking for a personal loan that's easy to get, your search ends here. ICICI LIFE
INSURANCE Personal Loans are easy to get and absolutely hassle free. With minimum
documentation you can now secure a loan for an amount uptoRs. 15 lakhs.

Commercial Vehicle Loans

14
We have extended products like funding of new vehicles, finance on used vehicles, top up on
existing loans, working capital loans & other banking products.

Car Loans

The most preferred financier for car loans in the country. Network of more than 1000 channel
partners in over 1700 locations. Tie-ups with all leading automobile manufacturers to ensure
the best deals. Flexible schemes & quick processing. Hassle-free application process on the
click of a mouse.

Loans against Securities

You don't have to sell your securities. All you have to do is pledge your securities in favour
of ICICI LIFE INSURANCE. We will then grant you an overdraft facility up to a value
determined on the basis of the securities pledged by you.

Insurance Policy

At ICICI LIFE INSURANCE, we understand your financial needs. Along with deposit and
loan products, we offer you a variety of insurance plans that include Life Insurance, General
Insurance, Car Insurance, Home Insurance, Travel Insurance, etc. Our "Buy Online" feature
provides you the ease and convenience of completing your transactions entirely online
without having to move out of your desk.

15
 CHAPTER 4

RESEARCH METHODOLOGY

RESEARCH METHODOLOGY

16
Research is a systematic effort to achieve the truth. It includes the identification of study area,
the procedure for collecting data, analyzing the data and finding or truth based upon the
scientific procedure. Research in common parlance refers to a search for knowledge. One can
also define research as a scientific and systematic procedure for obtaining pertinent
information on a specific topic. In fact, research is a careful, systematic and scientific
investigation or inquiry for search of new facts in any branch of knowledge.

Research can also be defined as logical and systematized application of the fundamental of
science and scientific techniques which provide precise tools, specific procedures and
techniques to the general AerVgnd overall question of the study, rather than philosophical
means for getting and ordering the data prior to their logical and manipulation.

Research design
A research design is the details blueprint used to guide a research study towards its objective.
The research will be Descriptive studies in nature. Descriptive research
Also known as statistical research describes data and characteristics about the population or
phenomenon being studied. The best approach, prior to writing descriptive research is to
conduct a survey investigation.
Types of Research
Exploratory Research: Exploratory means to explore the hidden things, which are not
clearly visible. Exploratory research is a type of research conducted for a problem that has
not been clearly defined. Exploratory research studies are also termed as formulate research
studies. Exploratory research helps to determine the best research design, data collection
methods and selection of subjects. Exploratory research focuses on why type question.

Descriptive Research: Descriptive studies, as their name implies, are designed to describe
something- for example, the characteristics of users of a given product; the degree to which
product use varies with income, age or other characteristics; or the number who saw a
specific television commercial. A majority of marketing studies are this type. Despite the
emphasis on description, it should not be conclude that such studies should be simply fact-
gathering expedition.

Experimental Research: Experimental design seeks find-out the cause and effect

17
relationship of the phenomenon under study. Under this design, two similar groups, one
called ‘experimental group’ and the other ‘control group’ are chosen. The experimental group
is exposed to pre-designed procedures while the control group is kept constant. At the end of
experiment, the two groups are compared to find-out the resultant effect of the experiment.
The difference between the two groups is considered to have been produced by the causative
factors
The research will be mixed of descriptive and exploratory in nature.

Hypothesis of the study

 Perception of brand influences the buyer’s decision of home loans.
 Promotional policies of bank influences the buyer’s decision of insurance.

Methods of Data Collection:

Data collection is the process to gather information for the relevant topic of research, which is
being done by researcher. Data collection is a term used to describe a process of preparing
and collecting data.

Primary data:-
Primary data are the data which are original in character obtained for the first time , begin
collected from the respondents , either through questioners or thought personal interviews .for
the purpose of research , primary data is mainly taken throw the questioners given to the
respondents of different retails outlets .

 Questionnaire
 Personal interviews
 Observation

In this project primary data for gaining more information about the
company, its products and services, various benefits advisors will be getting for
acquiring these knowledge. Primary sources like company questionnaire, personal
interviews etc;
Are also used to collect information on working and functioning of bank.

18
Secondary data:-
Secondary data is the data which has been collected by someone else for some other purpose
and is used by the research for study. Various souses of Secondary data are:-

 Books
 Websites
 Brochures
 Company records manuals.

In this project secondary data for gaining more information about

the company, its products and services, various benefits advisors will be getting for acquiring
these knowledge. Secondary sources like company websites, brochures, magazines,
presentations etc; are also used to collect information on working and functioning of banks.

Sample Population-
Sample population will consist of all the individuals from Nagpur city.

Sample Size:
Sample size refers to the number of item to be selected from the universe to constitute a
sample. The research will be done with the sample size of 100 customers from at Nagpur city.

19
 CHAPTER 6

CONCLUSION

Conclusion

20
1. Even their offices reflect their attitudes. ICICI LIFE INSURANCE's headquarters in
suburban Mumbai is a huge, imposing edifice in glass and granite. HDFC LIFE
INSURANCE's office in central Mumbai is comparatively smaller and more sedately
furnished.
2. The two banks have carried forward their style statement in their approach to
business. ICICI LIFE INSURANCE thinks big, is all for growth and hungry for
marketshare.
3. HDFC LIFE INSURANCE is more conservative and cautious, grows at a measured
pace, without taking any undue risks.
4. ICICI LIFE INSURANCE's assets in the retail space stand at Rs 56,000 crore (Rs 560
billion). In comparison, the tally for HDFC LIFE INSURANCE is Rs 18,000 crore
(Rs 180 billion). ICICI LIFE INSURANCE also leads HDFC LIFE INSURANCE in
almost every segment they are present in. But that's just the current update.

5. Both players targeted the same customer -- the upper-middle class. The marketing
channels used by both, including direct sales agents (DSAs), were the same.

6. Yet, there was a difference. While ICICI settled for nothing less than film star
Amitabh Bachchan as an ambassador, HDFC LIFE INSURANCE chose to rely on the
trusted lineage of its housing finance parent, Housing Development Finance
Corporation (HDFC).

7. Says Sukthankar, "While HDFC was no doubt a great brand, it was a single-product
brand. Hence, it was a challenge to make it work with other products."

8. In the past two years, the bank has spent less than Rs 100 crore (Rs 1 billion) on
advertising and publicity (In comparison, ICICI has spent Rs 185 crore).

21
 CHAPTER 7

SUGGESSTION AND LIMITATION

22
SUGGESION

1. Manpower requirement for each department in the company is identified well in

advance.

2. If the manpower requirement is high and the Training team of the HR department
alone cannot satisfy it, then help from the placement agencies is needed.

3. Time management is very essential and it should not be ignored at any level of the
process..

4. The Training and Placement through placement agencies as the last resort and is
utilised only when need.

5. The Training and Placement procedure should not to lengthy and time consuming.

6. The candidates called for interview should be allotted timings and it should not
overlap with each other.

23
 LIMITATION

The present study has the following limitations

1. The study has been restricted to only a few schemes.

2. The data is analyzed for a limited period of 3 years.

3. Survey was conducted in 2 days due to which Candidate did not get
a. enough time to complete the survey properly.

4. Incidents happening at the time of the survey have affected it.

5. Responses to open ended questions were not been given as the

Candidate were reluctant in giving responses due, to which we could not

decipher the exact opinion of the Candidate for most of the questions.

24
 CHAPTER 8

BIBILOGRAPHY

BIBLIOGRAPHY

25
Books:

 C.B Mamoria and S.V. Gankar (2004), Personal Management Text and Cases.
Himalaya Publication.

 K.Aswahthappa (2001),Human Resource and Personnel Management

 Human Resource Management, (2005), Dr.P.C. Pardeshi

 C.B Gupta (2005)

 Human Resource Management

Website :

 www.avivaindia.com

 www.google.com

 www.wikipedia.com

26
ANNEXURE

Questionnaire

27
Demographic profil

Name:----------------------------------------

1. Gender: Male female

2. Age: 20-40 40-60 60-80 80-Above

3. Occupation: government servant business Man professionals

housewife

4. Income- 1.5-2.5 lacs 2.5-3.5 lacs 3.5-4.5 lacs 4.5-5.5 lacs above

5. Marital status: Unmarried Married

6. No. of family members… A]one B] two C] three D] four E] five &

above

7. Mobile no. :………………………….

8. Are you a user of “HDFC LIFE INSURANCE&ICICI LIFE INSURANCE”?

A] HDFC LIFE INSURANCE B] ICICI LIFE INSURANCE

9. In how many banks do you have accounts?

A] One B] Two C] More than two D] None

10. What type of account you have in your bank?

A] saving a/c B] current a/c C] fixed a/c D] others

11. For how long you have been associated with any bank?

A] less than 5 year B] 5-10 year C] 10-15 year D] 15-20 year

12. What new feature & services attracts you to open accounts in any banks?

A] mobile ATM B] net banking C] others

13. What would you prefer in bank?

28
 A] Best CRM policy B] value added policy C] relative / reference
preference

D] Brand Name

14. Are you satisfied with the service of ICICI LIFE INSURANCE you are using?

A] Highly satisfied B] satisfied C] dissatisfied D] no opinion

15. Are you satisfied with the service of HDFC LIFE INSURANCE you are using?

A] Highly satisfied B] satisfied C] dissatisfied D] no opinion

16. Do you like to suggest any changes in the banking services or otherwise?

___________________________________________________________________________
___________________________________________________________________________
___________________________________________________________________________
___________________________________________________________________________
___________.

17. In which financial product do you like to invest your money?

A] Mutual fund B] fixed deposit C] life insurance D] Stock Investment

E] Recurring Deposit F] other or Both

18.Effctive Advertisments of ICICI LIFE INSURANCE drives your attention towords buying
the insurance plans of the ICICI LIFE INSURANCE ?

A] Agree B] Strongly agree C] Average D] Disagree E] Satisfied

19.Effctive Advertisments of HDFC LIFE INSURANCE drives your attention towords

buying the insurance plans of the HDFC LIFE INSURANCE ?

A] Agree B] Strongly agree C] Average D] Disagree E] Satisfied

29