1.

INTRODUCTION TO TOPIC
This topic is about investment options at ICICI BANK and services provided by the bank to the customers to satisfy the customers and to retain them with the Bank. It also makes a comparative analysis of ICICI PRUDENTIAL Life Insurance with other life insurance and other investment options at ICICI BANK. The customers at banks are the investors who want to invest their hard-earned money in a scheme that can give them maximum returns on the money invested. This return is in the form of interest. The returns to customers are paid in certain installments after the certain time- intervals decided at the time of investment agreement or paid in full with the principle amount at the completion of investment period. The other services at banks are related to advise the customers about the best investment option available for them according to their requirement such the amount and the period for which they want their money to invest the bank. Another service is related to solve the problems and queries of investors about the investment option opted by them.

2. OBJECTIVE AND SCOPE OF THE STUDY

The main objective of the study is to know the investment options provided by the ICICI BANK and their comparison with the options provided by other banks and institutions. Another objective is to gain knowledge about the present market scenario.

3. LITERATURE REVIEW
PORTFOLIO MANAGEMENT: It may refer to-

~ Investment management- It is the professional management of

various securities (shares, bonds, etc.), assets (e.g. real estate) to meet specified investment goals for the benefit of the investors.

~ IT Portfolio management- It is the application of systematic

management to large classes of items managed by enterprise IT capabilities.

~ Project management- It is the discipline of planning, organizing

and managing resources to bring about the successful completion of specific project goals and objectives.

LIFE INSURANCE- It is a contract between the policy owner and

the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individuals or his death or other event such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums.

ULIP- As in the case with mutual funds, investors in ULIPs are allotted
units by the insurance company and a net asset value (NAV) is declared for the same on a daily basis.

GENERAL INSURANCE~ Individual Mediclaim Insurance Policy ~ Overseas Travel Care Insurance Policy ~ Personal Accident Insurance (Individuals) Policy ~ Private Care Comprehensive Insurance Policy ~ Marine Cargo Insurance Policy ~ Standard Fire and Special Perils Policy ~ Other Policies MUTUAL FUNDS- A mutual fund is a professionally managed
firm of collective investments that collects money from many investors and puts it in stocks, bonds, short-term money market instruments and/or other securities.

TRAVEL CARDS- The ICICI travel cards has made travel abroad
convenient and safe, available in US Dollars, Canadian Dollars, Swiss Francs, Euros and Pound Sterling, the International Travelers gets the widest of the choices.

INITIAL PUBLIC OFFERING - The new stock issue in stock

market or more appropriately primary market is known as IPO.

NEW FUND OFFER- A term used in mutual fund of India used to

refer to IPO of a fund. NFOs, unlike IPO of companies, have a major advantage. If the market crashes it is not really bad the fund manager will be able to invest the mopped-up amount at lower valuations. Also, the stock market manager gyrations do not seem to have any major effect on NFOs.

HOME INSURANCE- It is imperative that you secure your home

from natural and manmade catastrophes. Our Home Insurance Plan ensures you peace of mind by protecting the structure and the contents of your home.

4. RESEARCH METHODOLOGY
1. PRIMARY DATA:
Questionnaire filled by the individuals about their investment habits.

2. SECONDARY DATA:
Through internet: www.google.com www.wikipedia.org

5. QUESTIONNAIRE DESIGN
INVESTMENT HABITS OF INDIVIDUALS IN INDIA QUESTIONNAIRE
Client Profile:
Name: . Phone: . Age: Profession: .

Annual Income: 1 Lac - 2 Lacs

( 2 Lacs 3 Lacs ( 3 Lacs 5 Lacs ( More than 5 Lacs (

) ) ) )

Q1). How much part of your income do you invest on regular basis? ....... Q2). What kind of investment do you prefer? Eg. Short term / Long term / Equity / Fixed deposits? ... Q3). Do you know about investment options with ICICI Bank Ltd.? (a). Fixed Deposits (b). ULIP Plans (c). Mutual Funds (d). Pure Gold Yes ( Yes ( Yes ( Yes ( ) / No ( ) ) / No ( ) ) / No ( ) ) / No ( )

(e). Foreign Currency / Travel cards Yes ( ) / No ( ) (f). General Insurance Yes ( ) / No ( ) (g). IPOs Yes ( ) / No ( ) (h). Bonds Yes ( ) / No ( ) Q4) Which bank do you prefer for your investment purpose (a) Nationalized Bank (b) Private Bank Q5) If 4(a), then which of these nationalized banks (a) (b) (c) (d) (e) (f) (a) (b) (a) (b) (c) (a) (b) (c) (d) (a) State Bank Of India Bank Of India Union Bank of India Punjab National Bank Central Bank Of India Allahabad Bank ICICI Bank HDFC Bank Banker Internal Advisors Self Decision 10% 10-15% 15-20% Above 20% HDFC

Q6) If 4(b), then which of these private banks

Q7) Who influence your investment decision

Q8) What percentage of interest are you looking at

Q9) Do you prefer Mutual Funds? If yes, then which one of these

(b) (c)

Prudential ICICI Mutual IPO

Q10) If you want to invest in Life Insurance sector, which one you would prefer for your investment purpose (a) (b) (c) (d) LIC HDFC ICICI Prudential Oriental Insurance

6. CHAPTERISATION
CHAPTER: 1- Introduction to Topic CHAPTER: 2- Objectives and scope of the study CHAPTER: 3- Literature Review CHAPTER: 4- Research Methodology CHAPTER: 5- Questionnaire Design