JaypeeiBusinessiSchool

JaypeeiInstituteiofiInformationiTechnology
(DeclarediDeemeditoibeiUniversityiu/si3iofiUGCiAct)
A-10,iSectori62,iNOIDA,i201i307,iINDIA,iwww.jbs.ac.in

CorporateiInternshipiReport

Reportisubmittediasiaipartialirequirementiforitheiawardiofitheithree-year
BacheloriofiBusinessiAdministrationiProgram
BBAi2020-23

Company:iAccrualiIntelligenceiManualiGroup

StartiDateiforiInternship:i15iJunei2022
EndiDateiforiInternship:i30iJulyi2022

JBS-FacultyiSupervisor:
DriShivaniiKapoor
ReportiDate:i10iAugust
 Self-Certificate

IitheiundersignedisolemnlyideclareithatitheiprojectireportiCorporateiInternshipi
isibasedionimyiworkicarriedioutiduringimyistudyiunderitheisupervisioniofiShiv
aniiKapoor.
Iiassertitheistatementsimadeiandiconclusionsidrawniareianioutcomeiofimyirese
archiwork.iIifurthericertifyithat

I. Theiworkicontainediinitheireportiisioriginaliandihasibeenidoneibyimeiun
deritheigeneralisupervisioniofimyisupervisor.
II. TheiworkihasinotibeenisubmitteditoianyiotheriInstitutioniforianyiotherid
egree/diploma/certificateiinithisiuniversityiorianyiotheriUniversityiofiInd
iaioriabroad.
III. Iihaveifolloweditheiguidelinesiprovidedibyitheiuniversityiiniwritingitheir
eport.
IV. WheneveriIihaveiusedimaterialsi(data,itheoreticalianalysis,ianditext)ifro
miotherisources,iIihaveigivenidueicredititoithemiinitheireport'sitextiandit
heiridetailsiinitheireferences.

Name:iEnrolmentinumber
KanishkaiSingh:i20709137
 Certificateifromitheiorganization

10 Aug, 2022

To,

Kanishka Singh

NOIDA

OSCORO.GRAVES@GMAIL.COM

8299406042

We are pleased to confirm that Kanishka Singh from JAYPEE INSTITUTE OF INFORMATION TECHNOLOGY has
successfully completed his Internship with Project Title 'MARKETING AND RECRUITMENT STRATERGIES' from 15
Jun, 2022 to 31 Jul, 2022.

Aggregate on the basis of his performance during the Internship: 70%.

Location for internship: (Delhi/Work from Home)

(Authorized Signatory)

Head HR
AIM India Pvt. Ltd.
TurnitiniplagiarismireportifromiLRC
 Acknowledgement
Aifive-weekiIndustryitrainingiisiaigoldeniopportunityiforilearningiandiself-development.
considerimyselfiveryiluckyiandihonoureditoihaveisoimanyiwonderfulipeopleileadimeithroug
hiinicompletioniofithisiproject.

Atitheioutset,iIiwouldilikeitoiexpressimyideepisenseiofigratitudeiandisincereithanksitoiMs.iS
hivaniiGuptaiHRiAreaiManager,iforiprovidingianiopportunityitoidiscoveritheicorporateiworl
d,ifromiaicloseiperspective.

IitakeithisiopportunityitoiextendimyisincereigratitudeitoiMr.iHimalayaiSethi,iDirector,iAIMi
IndiaiNewiDelhiiforigivingimeianiopportunityitoiundertakeiinternshipitrainingianditheiproje
ctionitheitopiciAnalysingicustomeridecisionimakingiprocessiiniinsuranceiservices.

LastibutinotitheileastiIiamigratefulitoientireistaffiofiAIMiIndiaibranch,iwhoihelpedimeitoicol
lectirelevantidataiandigetitheirealigistioficurrentimarketiscenario.
AlsoithankfulitoiDriShivaniiKapoorimyiinternaliguideiforithisiprojectitoiwhomiIiamideeplyi
gratefuliforihisiconstantisupportiandiguidanceiwithoutiwhichiitiwouldinotihaveibeenipossibl
eiforimeitoicompleteithisiprojectionitime.

IiwouldialsoilikeitoiexpressimyiheartfeltiwishesitoiAIMiIndia,iforimakingitheseifouriweeksi
a
stepping-stoneiforimyicareer.
TableiofiContents
Self-Certificate 2
Certificateifromitheiorganization 3
TurnitiniplagiarismireportifromiLRC 4
Acknowledgement 5
ExecutiveiSummary 8
GeneraliStudyiofitheiorganization 10
UnbiasediandiTailorediAdvice: 12
AiSeamlessiJourney: 12
Awardsiandicitations: 12
CompanyiGoal 12
Mission 13
Vision 13
CompanyiOverview 13
InternshipiServices 14
ComplianceiServices 14
AccountingiServices 14
TaxationiServices 15
Trainingi&iDevelopmentiServices 16
RecruitmentiServices 16
ConsultingiServices 17
InsuranceiServices 17
MutualiFunds 18
RetirementiPlanning 18
InternationaliExpansioniServices 19
WealthiAdvisoryiServices 19
SWOTianalysisiofitheiorganization 20
Strengths: 20
Weakness: 20
Opportunities 21
Threats 21
OrganizationaliStructureiofiAimiIndiaiPvt.iLtd 22
Recruitmenti&iSelectioniProcessiofiAIMiIndia 22
ForiFinaliPlacement 22
FinancialiAnalysis 23
Overview 23
 RatioiAnalysis 29
ProjectiDescription 33
Projecti1:iSalaryiSlip 33
Projecti2:iTaxation 34
Projecti3:iFinancialiSectors 37
Projecti4:iSales 41
Featuresiofitheiproduct 44
LifeiInsuranceiMarketingiStrategy 52
Limitationsiofitheiproject 54
Conclusion 55
Recommendations 56
KeyiLearningsifromitheiInternship 57
References 58
Annexures 59
1. SalaryiSlip: 59
2. TaxableiIncomeiandiTaxiLiability 60
 ExecutiveiSummary
AccrualiIntelligenceiManualsiIndiaiPrivateiLimitediisianiunlistediprivateicompanyiincorpora
tedioni29iSeptember,i2017iwithitheimissionitoibecomeianiorganizationithatiisiknowledgeice
ntriciandioffersiexpertiadviceitoitheiriclients,iheadquarteriiniIndiaitheiriidentityiasitheileadin
giprovideriofiprofessionaliwealthiadvisoryiiniIndiaiandiAbroad,iAIMiIndiaideliversiaioneist
opisolutionioriserviceitoiachieveifinancialiindependence.iTheicompanyicategoryiisicompanyi
limitedibyisharesiandisubicategoryiisinon-
igovernmenticompany.iCompany’sidirectorsiareiHimalayaiSethiiandiKamleshiSethi.iTheirip
rincipleiisitoideliverihighireturnsitoitheiriclientsithroughitheirinetworkiofigovernmentisectori
banksiiniIndia.iTheiricomprehensiveiwealthimanagementiisiaihighileveliprofessionaliservicei
thaticombinesifinancialiandiinvestmentiadviceiiniaccounting,itaxationiservicesiandiretiremen
tiplanning.iTheiriwealthimanagementiisimuchimoreithanijustiinvestmentiadviceiasitheyienco
mpassiallipartsiofianiindividual'sifinancialilife.

Theyicoordinateiallitheiservicesineededitoimanageiclient'simoneyiandiplaniforitheiriowniand
ifamily'sicurrentiandifutureineeds.iTheyimaintainiandiincreaseitheiriwealthibasedioniindivid
ual'sifinancialisituationigoalsiandicomfortileveliwithirisk.iTheiriteamioffersianiongoingisupp
ortiandiadviceiwheniyouriinvestmentiisisuccessfullyidone.iWeiwillikeepiyouiinformediofich
angesiiniregulationsithatidirectlyiaffectiyouiandileavingiyouitoifocusionistrategiesithatimaxi
mizeiprofitabilityiandiproductivityiiniinvestment.

Theiregisterediofficeiofitheicompanyiisiati90iGaganiVihariEXTN,iNewiDelhi,iEastiDelhi.iT
he
totalipaid-upicapitaliisiINRi5.00ilac.iTheicompanyihasinoireportedisecurediloans.

AIMiIndiaibelievesiiniDynamiciCultureiandiitiisithereigoalitoihelpitheiIndividualiinidealingi
withitheidynamismiofienvironmentiwhetheriitiisirelateditoitheiriwealthioriexpansioniofibusin
ess.iAimiIndiaiGroupiisitheileadingiAdvisoryiiniIndiaiandiAbroad.iAIMiIndiaiprovidesiTrai
ning/DevelopmentiprogramsiiniIndiaiandiAbroad.iTheyiareihavingiaiteamiofiexclusiveicorp
orateitrainers.iTheiriPrincipleiisitoideliverihighirateiofireturnsitoitheiriclientsithroughitheirin
etworkiofigovernmentisectoribanksiiniIndia.iKeepingiiniminditheimosticriticalineedsiinitoda
y'sicontext,itheyicameiupiwithiwealthiAdvisoryifirmitoiprovideiaicustomeriexpertiseiadvicei
toiachieveifinancialiIndependence.
AIMiIndiaiPvt.iLtd.iisitheidynamiciorganizationiwhichithrivesionismartiworkingiandialsoise
eksitoiprovideiadequateiopportunitiesiforiAIMipeopleitoirelishiwhileiworking.iTheicompany
iinvolvesitheiactivitiesilikeitripsiiniIndiai&iAbroad,ifuniactivitiesiatiworkiplaceiandivariousi
socialieventsiandithisiisiperceptibleiwheniyouiwillijoiniAIMiIndiaiGroup.iAllithroughitheiye
ar,ivariousieventsiareiarrangediwhichiincludesiawardingiceremonyiforibestiinternsiandiempl
oyees.iTheseieventsiworkiasiaimotivationifactoriforitheiemployeesitoiworkimoreienthusiasti
cally.iItialsoiprovidesianiopportunityitoiinteractiandisocializeiwithitheiassociatesiandiotheric
olleaguesiacrossiIndia.

AIMiIndiaiPvt.iLtd.iprovidesianiemployeeifriendlyiworkicultureibyigivingithemiopportunity
itoidiscussinewiideas,irewardiandirecognitionsiforitheiriperformance,itrainingiinicaseiofidisc
repancy.iTheisupportiofiSenioriManagersiisiquiteiencouragingithatitheyirespectieveryiindivi
dual'siideaiandivalueitheiriworkibyimeetingithemitimeitoitime.iThereiisidefinitelyiaihealthyi
workienvironmentiinitermsiofimentaliandiphysicaliheath.iThereiareigoodipracticesiandiinitia
tivesithatiprovidesitheiemployeesiwithinoistressiatiworkiandinoioverburdeningiofiwork.
 GeneraliStudyiofitheiorganization
TheifirstiB2BiFinTechiplatformiiniIndiaiisiAimiIndiaiPvtiLtdiSolutions.iAimiIndiaiPvt.iLtd.
iconcentratesioniB2Cimarketsiasiwell.iTheifirstiFinTechiplatformiiniIndiaitoifocusionitheiB
2Bimarketiandiprovideiusersiwithi360°ifinancialisolutionsiisicallediAimiIndiaiPvt.iLtd.iAlli
varietiesiofiloans,iinvestments,icrediticards,iinsurance,iandirealiestate-
basedigoodsiareiincludediiniitsiextensiveiproductiline-
up.iAimiIndiaiPvt.iLtd.iisitheiresultiofiitsifounderiRajeshiP.iNairiandiseniorimanagementitea
m'siprofessionaliandientrepreneurialiambitionitoibuildiaihigh-quality,icustomer-
centric,iservice-
driveniFinTechicateringitoiIndia'sifutureienterprises.iAimiIndiaiPvt.iLtd.ioffersicompleteiba
nkingiandifinancialisolutionsiandihasiembracediinternationalibestipractises,itheihighestilevel
siofiserviceiquality,iandioperationaliexcellence.

Withiaiknowledge-
drivenistrategy,iAimiIndiaiPvt.iLtd.iprovidesiitsiretail,icorporate,iandigrowingicorporateiclie
ntsiwithiaisuperioricustomeriexperience.iTheirihallmarksiincludeiaithoroughiunderstandingio
ficonsumeridemands,iofferingiaifulliproductilineitoicustomers,iandiunwaveringidedicationito
iserviceidelivery.iToiprovideitheiricustomersiwithitheibestiproducts,itheyihaveiworkediwithi
allidomesticiandiinternationalibanks,inon-
bankingifinanceiandihousingifinanceifirms,iandiinsuranceicompanies.

Theiuser-
friendlyiplatformiofiAimiIndiaiPvt.iLtd.ievaluatesiproductioptionsibasedioniimportantifactor
siincludingiprocessingicosts,iinterestirates,itenure,iandiotherielementsithatiareimostiimportan
titoitheiconsumer.iIniadditionitoiofferingiyouifairicomparisoniinsights,iweialsoigiveiyouitop-
notchisupportitoiensureithatiyouiobtainitheigreatestibargainiwithitheifewestihassles.
Inishort,iAimiIndiaiPvt.iLtd.imakesisureithatitheiconsumerireceivesitheigreatestigoodsithrou
ghitheieasiestiandimosticonvenientiprocedures.

AimiIndiaiPvt.iLtd.iisitheionlyionlineifinancialimarketiiniIndiaithatiprovidesiaifullirangeiofif
inancialiproducts,ifromiretaililendingiproductsilikeicrediticards,ipersonaliloans,ihomeiloans,i
loansiagainstiproperty,iautoiloans,ietc.itoiinvestmentiproductsilikeimutualifunds,iinsurance,ia
ndifixedideposits.iIniorderitoiserveivariousimarketisectorsiwithidiverseidemographics,iAimiI
ndiaiPvt.iLtd.icollaboratesiwithimoreithani50ibanksiandiotherifinancialiinstitutions.
UnbiasediandiTailorediAdvice:i
AimiIndiaiPvt.iLtd.iprovidesiunbiasedianditailorediadviceiforieveryiclient'sifinancingiandiin
vestmentirequirements.iTheicomparisoniengineiisianieasy-to-
useiplatformithatioffersiusersiunbiasedioptionsibasedionitheirineedsiandiprofile.iThisienginei
assistsiusersiinimakingiwiseridecisionsimoreiquicklyibyianalysingitheimostirecentifinanciali
dataifromialmostiallibanksiandifiscalibodies.

AiSeamlessiJourney:i
AimiIndiaiPvt.iLtd.ialsoiguidesiconsumersiiniselectingitheibestioptioniandisupportsithemiasi
theyiworkiwithitheibank.iTheicompleteipurchasingiprocedureiatiAimiIndiaiPvt.iLtd.iisiquick
iandieasyithanksitoiaismoothiproductijourneyiandiphoneisupportifromitheisalesiteam.
Processesithatidon'tirequireipaperioriphysicalipresence:iAimiIndiaiPvt.iLtd.iisicommitteditoi
useitechnologyitoicreateipresence-iandipaper-
freeioptionsiforifinancialiservicesiaggregation.iAimiIndiaiPvt.iLtd.iisidevelopingisolutionsiw
hereiprocessesiareicompletedioniitsiplatformiwithoutitheineediforicustomersitoieitherivisitib
anksioricompleteimultipleisheetsiofipaperwork,iridingionitheiIndianiGovernment'siIndiaiSta
ckiinitiativeithatiaimsitoidigitiseicustomeriidentificationiandiverification.

Awardsiandicitations:i
AimiIndiaiPvt.iLtd.iwasihonourediwithitheititleiofi"Amongithei10iMostiAdmirediNon-
BankingiFinancialiCompaniesiini2018"ibyiInsightiSuccessiiniJunei2018iinihonouriofiitsiouts
tandingiperformanceisinceiinception.

CompanyiGoal
 TheilogoiforiAimiIndiaiPvt.iLtd.iindicatesithatitheicompanyiworksitoisafeguardiitsicl
ients'
 wealthiandihard-earnedicash.
 Itialsoiseeksitoidoitheifollowing:
 toiprovideiitsiclientsiandireferralipartnersiwithi360-degreeifinancialisolutions.
 iniorderitoiprovideiitsiReferraliPartnersimoreimoney
 Individualiinsuranceiagents,iAMFIiagents,irealiestateiagents,iandifinancialiconsultant
siwillireceiveiadditionaliincome.
 toiestablishiaibankibyi2025
Mission
Toibecomeianiorganizationithatiisiknowledgeicentriciandioffersiexpertiadviceitoiouriclients

Vision
Ourivisioniisitoideliverihighirateiofireturnsitoiouriclientsianditoimoveitowardsifinancialiinde
pendence.

CompanyiOverview
1,500iClients
Asitheileadingioneistopisolutioniprovideriforiallitheifinancialiandiinvestmentiservices,iweise
rveioveri1,500iclientsiallioveritheiworld.

1,350iInterns
BeingitheionlyiCompanyiofiitsiownikind,iweihaveiprovideditrainingitoimoreithani1,350iinte
rnsiwhoigotiInternationaliExposureiasiwell.

100%iCompliance
Weihandleialmosti7,000icomplianceiissuesiperiannum,ineedlessitoisay,iweistayiupdated.

PANiIndiaiAssociates
Havingimoreithani50iassociatesiallioveriIndia,iweiprovideiqualityiiniallitheiservices.

Recruitment
Perfectimatchmakeriforitalentiandijobiroles.iAlso,iprovidingijobiopportunitiesiiniabroad.
 BusinessiActivitiesiofitheiorganization
InternshipiServices
Weiprovideiinternshipsiatitheinationaliandiinternationalilevels.iToiensureithatiRPASiactiviti
esiareisuccessfullyiandismoothlyiincorporatediintoitheiricurrentibusinessisystems,iclientsiofi
AIMiIndiaicanitakeiadvantageiofitheicompany'siteamiofiskilledieducationalianditrainingiprof
essionals.iTechnicalitrainers,ihighischooliteachers,iuniversityilecturers,iandiregulatoryitraine
rsiareisomeiofiouritrainingispecialists.iWeihaveicreatedionlineiandie-
trainingimaterials,idoneitrainingineedsianalyses,ideliverediin-
houseitraining,iandidevelopeditrainingimanuals.

ComplianceiServices
Ouricomplianceispecialistsiareifullyiawareiofitheicompanyicomplianceirequirementsiacrossi
alliterritorialijurisdictions.iIfioneiisiunawareiofiessentialiupdates,inon-
complianceimightileaditoifinesiandijail.iAsitheimajorityiofieconomiesiiniAsiaiareicloseitoich
ange,itheicomplianceihorizoniisiquiteidynamic.iCompaniesiwithiintra-
regionaliactivitiesiwillifindiAIMiIndiaitoibeiaivaluedipartner,iprovidingicomplianceiservicesi
andisolutionsiforialliofitheiriregionalisubsidiaries.iWeiwillibeiprovidingiyouiwithitheifollowi
ngiservices,isoiyouicanifocusioniyouriprimaryitask.

AnnualifilingsiwithitheicompanyiregistrariStatutoryiReportingiCompanyiConstitutioniMeeti
ngsiandiCompanyiOfficersiMaintainingiStatutoryiBooksiandiRegisters

AccountingiServices
Accountingitransactionsigetimoreibulkyiandicomplicatediasibusinessesigrow,iandifromibein
giaimainifunction,iaccountingibecomesiaistrategicifunction.iOuriaccountingispecialistsiatiAI
MiIndiaiwilligiveiyouispecialisediaccountingisolutionsibecauseitheyihaveiexperienceiinimult
ipleiregionsiandihaveiaiwealthiofitechnicaliknowledge.iIniorderitoiattainicontrolianditranspar
encyiiniaccountingithroughistandardisationiofiagenda,iitiisifundamentalitoitrustiairegionaliac
countingispecialist.iWeihaveiaicompetitiveiadvantageiofiseasonedipeopleiandiITiSystemitoip
rovideiregionallyiseamless,iconnected,iandiall-
inclusiveireinforcement.iToiremainirelevantitoitheichangesiinitheiregion,iweihaveiaiflexiblei
approachitoisystemsiandisolutions.iOuriexpertiseiwillienableibusinessesitoigrowibyiobservin
giprudentichoices.i
Theseiareiouriaccountingiservices:

 AccountingiandiBookkeeping
 StatutoryiReporting
 PayrolliandiExpenseiClaimiManagementiServices
 BankiAccountiReconciliation
 CorporateiTaxiCompliance

TaxationiServices
Asitheitaxiarrangementichangesiwithitheichangeiiniauthority,iitiisidynamiciandicomplex.iW
henithereiareitaxesiatieveryilevel,iitibecomesimoreicomplex.iEffectiveiplanningiisirequiredib
yibusinessesiwithicross-
borderitransactionsitoisaveitaxiexpenses.iMakingiwiseidecisionsiabouticorporateiorganisatio
nsiandirevenueipatternsihelpsireduceitaxipayments.iToilearniaboutitaxibenefits,iwithholdingi
taxes,ianditransferipricingirequirements,iainewibusinessiwillineedihelp,iwhichiisiofferedibyit
heitaxiexpertsiofiAIMiIndiaiGroup.iTheianalyticaligraspiofitaxationithatiouriprofessionalsiha
veiwilliaiditheicustomeriinimanagingihisicompany'sitaxationistructure.iOuriprincipaliofferin
gsiare:

 CorporateiIncomeiTaxiReturns
 VatiReturns
 IndirectiTax
 WithholdingiTax
 TaxiOptimizations
 TransferiPricing
 TaxiAdvisoryiiniM&A,iCrossiBorderiInvestment,iTaxiDisputesietc.
Trainingi&iDevelopmentiServices
Theioverallistrategyiandigoalsiofitheismallibusinessiareitheifoundationiforieffectiveitrainingi
andidevelopment.iPlanningioutitheientireitrainingiprocessiwithispecificibusinessiobjectivesii
nimindiisiaigoodiidea.iAIMiIndiaiprovidesiassistanceiinicreatingiaitrainingistrategyithatiwilli
beiusefuliinianalysingitheicompany'siclientsiandirivals,istrengthsiandiweaknesses,iandianyip
ertinentimarketiorisocietalitrends.iTheinextistageiisitoiuseithisidataitoidetermineiwhichiareas
irequireitrainingiforibothitheiorganisationiasiaiwholeiandiforispecificiindividuals.iItiwillibeiu
sefuliwhenidoingianiinternaliaudititoiidentifyigeneraliareasithaticouldiuseitrainingioriwhenic
onductingiaiskillsiinventoryitoiidentifyitheitalentsithatiemployeesinowihaveiandithoseithatith
eyicouldineediinitheifuture.

RecruitmentiServices
Customizedistrategiesiareicreatediaftericarefuliconsiderationiofianiorganization'sibusinessigo
alsiandiculture.iOnlyiafterihavingiaithoroughiunderstandingiofirecruitment,icompensation,ia
ndiretentionitacticsiiniadditionitoihavingiknowledgeiofitheilocaliworkicultureicanianiorganis
ationiexpandiintoinewimarketsiorihireiforithatimarket.iYouicanilocateiainetworkiofieffective
iregionaliconsultantsiatiAIMiIndiaiwhoicanishowiyouitheiwayitoismoothirecruitmentiservice
s,ifromiidentifyingisuitableiclientsitoimanagingitheiimmigrationiprocess,iifinecessary.iOuripr
ofessionalsiareiwelliqualifieditoiofferiinsightfuliadviceiinitheifollowingiareas:

 CandidateiSearch
 Profiling
 InterviewiCoordination
 EmploymentiContract
 Immigration
 AdvisoryiService
ConsultingiServices
Dueitoitheidevelopmentiofitheiconceptiofiinternationalicommerce,ibusinessesifromiallioverit
heiworldiareiattemptingitoiinteractiwithioneianotheridespiteiregionalidisparitiesiasiAsiaiassu
mesimoreisignificanceiasitheiworld'sieconomiciengine.iAIMiIndiaihasiaiteamioficonsultantsi
whoiofferidueidiligenceitoivariousifirmsiregardingitheiriimportantibusinessidecisions,isuchia
siM&A,iInvestment,iandigrowthiintoinewiregions,ietc.iWeialsoiassistiinilocatingitheifreshia
ndiefficientisourcesiofiadvantagesiwhileiminimisingirisk.iOuriprimaryiservicesiincludeitheif
ollowing:

 CorporateiDevelopmenti&iFinance
 Investment
 Peoplei&iManagement
 NewiMarket/Partner/VendoriEvaluation
 Operations
 Technology
 GrantiAssistancei(foriIndiani&iForeignicompanies)

InsuranceiServices

Firmihazardsivaryidependingionitheitypeiofibusiness.iLocallyibasedienterprisesimustihaveiai
solidiawarenessiofitheirimarketiiniorderitoirecogniseitheipotentialiriskiandiobtainisuitableico
verage.iIniadditionitoitheidangersiofferedibyieconomiciinstabilityiandicompetitiveness,ithere
iareialsoirisksifrominaturalidisasters,ipoliticaliunpredictability,idiseases,iterroristithreats,iand
itechnologyidangers.iAIMiIndiaihasiaicollectioniofiinsurersithatiprovideicompleteicoveragei
andithoroughiriskianalysisitoipinpointitheigaps.iOuriinsurersiwillialsoigiveiyouiadviceioniho
witoiminimiseitheicostsiassociatediwithiriskipremiumsibyiofferingiservicesitoireduceiclaimsi
andihelpingiyouiidentifyiuninsuredirisksisoithatiyouicaniavoidithem.iOuriprimaryiofferingsii
nithisifieldiare:

RiskiAssessment
Coverage
RiskiManagement
CorporateiInsurancei-iProperty,iPecuniary,iLiabilityiandiGroup
PoliticaliRisk
ProfessionaliInsurance
FinancialiRisk
TradeiandiCreditiRisk

MutualiFunds
Aimutualifundiisiaiprofessionallyimanagediinvestmentiprogrammeithatipoolsiaigroupiofiinv
estors'ifundsiandiinvestsithemiinistocks,ibonds,iandiotherisecurities.iTheseifundsiareitypicall
yihandledibyiassetimanagementifirms.iYouicanipurchaseimutualifundi"units"iasianiinvestor,i
whichiessentiallyirepresentiyouriownershipistakeiiniaigivenischeme.iTheicurrentinetiassetiva
lueiofitheifundimayibeiuseditoipurchaseioriredeemitheseiunitsiasinecessaryi(NAV).iDependi
ngionitheifund'siassets,itheseiNAVsiareiconstantlyichanging.iEachiinvestorithusisharesiinith
eigainiorilossiofitheifundiproportionately.

AllimutualifundsihaveiSEBIiregistrations.iTheyioperateiunderitheiconfinesiofitightiregulatio
nsiputiiniplaceitoisafeguardiinvestoriinterests.iTheimainibenefitiofiinvestingiiniaimutualifun
diisithatiitiprovidesismalliinvestorsiwithiaccessitoiprofessionallyimanaged,idiversifiediportfo
liosiofistocks,ibonds,iandiotheriassetsithatiwouldibeiveryichallengingitoigenerateiwithiaisma
lliamountioficapital.iAIMiIndiaiwilligiveiyouiallitheiinformationiandiservicesiyouineediabou
timutualifundsisoiyouimayiselectitheifinestichoice.

RetirementiPlanning

Personaliplanningiandifinancialiplanningiareitheitwoipartsiofiretirementiincomeiplanning.iPe
rsonaliplanningiisicrucialisinceiitiaffectsihowisatisfiediyouiareiwithiyouriretirementilifestyle.
iBecauseiitiidentifiesiyourisourcesiofiincomeiandiexpensesiandidevelopsiyouriretirementibu
dgetibasedioniyouriuniqueistrategy,ifinancialiplanningiisiimportant.

IndividualiPlanningiPeopleiwhoiareiapproachingiretirementifaritooifrequentlyidoinotiprioriti
seipersonaliplanningisufficientlyitoiguaranteeitheyitakeifulliadvantageiofitheiripossibilities.i
AIMiIndiaiassistsiyouiinitheiplanningiprocessiearlyioniandiallowsiyouitimeitoiconsideriyour
ioptionsiandihowiyouiwantitoispendiyouritimeiiniretirement.

FinancialiPreparationiWilliyouihaveienoughimoneyitoisupportitheiretirementilifestyleiyouiw
ant?iYouriincomeiwillimostilikelyicomeifromithreeimainisources:igovernmentipensions,isou
rcesitieditoiyouriemployment,iandiyouriownipersonaliinvestments,iaccordingitoiAIMiIndia,i
whichianswersialliofiyouriqueriesiandiaidsiyouiinirememberingithisifact.
InternationaliExpansioniServices
Expandingiintoiinternationalimarketsiisipossibleithanksitoitheioverseasimarket,iwhichialsoiai
dsiinispottingiprospectsiforinewirevenueistreams,iaccessitoifreshitalent,idiversifiedirisk,iandi
competitiveiparity.iInternationalizationiisiaicomplicatediprocess,iasiisicommoniknowledge.i
AtiAIMiIndiaiGroup,iweihaveiprofessionalsiwhoicaniofferiaccountingianditaxiservices,ipayr
olliservices,iandicorporateisecretarialiservicesiatitheinationalilevel.iWeiintenditoiexpandiyou
ribusinessiinternationally.iForiaistart,iweiwilliassistiyouiinigrowingiyouribusinessiiniSingapo
re,iMalaysia,iandiDubai.

WealthiAdvisoryiServices

Financialiplanning,iinvestmentiportfolioimanagement,iandiainumberioficonsolidatedifinancia
liservicesiareiallipartiofitheiinvestmentiadvisingidisciplineiknowniasiwealthimanagement.iW
ealthimanagersiconnectiretailibanking,iestateiplanning,ilegaliresources,itaxiprofessionals,ian
diinvestmentimanagementiforihigh-net-worthiindividualsi(HNWIs),ismall-
businessiowners,iandifamiliesithatiwantitheihelpiofiaiqualifiedifinancialicounsellingispecialis
t.iWeihaveiwealthimanagersiatiAIMiIndiaiGroupiwithibackgroundsiasiindependentiChartere
diFinancialiConsultants,iCertifiediFinancialiPlanners,iCharterediStrategiciWealthiProfession
als,iCharterediFinancialiPlanners,iorianyicredentialedi(suchiasiMBA)iprofessionalimoneyim
anagersiwhoicaniassistiyouiinienhancingiyouriincome,igrowth,ianditax-
favorableitreatmentioveritheilongiterm.

High-net-
worthiinvestorsireceiveiprivateimoneyimanagement.iWeiwillialsoiadviseiyouionihowitoiusei
differentiestateiplanningitools,iarrangeiforitheisaleiofiyouribusinessioritheiexerciseiofistocki
options,iandioccasionallyiuseihedgingiderivativesiforilargeistockiblocks.
 SWOTianalysisiofitheiorganization
Strengths:
1. IniIndia,ithereiisionlyioneiB2BiFinTechiplatform,iAimiIndiaiPvt.iLtd.
2. AimiIndiaiPvt.iLtd.iisiaihighlyiadvancediFintechiorganisationithanksitoiitsientirely
ionlineiplatform.
3. Highilevelsioficustomerisatisfactionileaditoicustomeriretention.
4. Goodistandingiinitheimarket.
5. Alliofiaicustomer'sifinancialineedsicanibeimetiationeilocation.
6. Cross-
sellingitoicustomersiaidsiinicustomeriretentioniandihelpsikeepithemifromidefecting
itoirivals.
7. amongiIndia'sitopi10imostiadmirediNBCs.
8. DueitoiteamibuildingiexercisesilikeiBandhaniandiParivartan,ithereiisistrongiteamib
onding.
9. DailyigrowthiinitheinumberiofiReferraliPartnersi(18000+iatinow).

Weakness:
1. Beingiaistart-
up,itheibusinessiisistilliinitheiearlyistagesiofidevelopmentiandiisinotiyetifullyiestab
lished.
2. TheiITiTeamineedsimoreiefficientiworkingiconditionsibecauseiitiisistilliinitheiearl
yistagesiofidevelopment.
3. Sometimesiafteritheiconsumerihasiappliediforitheiloan,itheicalliisimadeitooilate,iw
hichicausesitheicustomeritoileave.
4. Loanidisbursementiisiailaboriousiprocess.
5. Disbursementsiwereimadeiatiailowerirateithanitheinumberiofiapplicationsireceived.
6. Thereiareifeweriemployees.
7. LAP,iinsurance,iandiotheriproductsilikeihomeiloansihaveifewericustomers.
Opportunities
1. Beingiaistart-
up,itheibusinessiisistilliinitheiearlyistagesiofidevelopmentiandiisinotiyetifullyiestab
lished.
2. TheiITiTeamineedsimoreiefficientiworkingiconditionsibecauseiitiisistilliinitheiearl
yistagesiofidevelopment.
3. Sometimesiafteritheiconsumerihasiappliediforitheiloan,itheicalliisimadeitooilate,iw
hichicausesitheicustomeritoileave.
4. Loanidisbursementiisiailaboriousiprocess.
5. Disbursementsiwereimadeiatiailowerirateithanitheinumberiofiapplicationsireceived.
6. Thereiareifeweriemployees.
7. LAP,iinsurance,iandiotheriproductsilikeihomeiloansihaveifewericustomers.
8. AimiIndiaiPvt.iLtd.iwilliachieveiitsigoaliofibecomingiaibankibyi2025iearlierithank
sitoianiincreaseiinireferralipartners.
9. Understandingitheireasonsibehinditheiapplications'irejectionsimightiassistitheibusin
essiattractibettericlientsiandiaidiinidecision-makingiinitheifuture.

Threats
1. Increasingitheinumberiofilendersicouldiresultiiniaideclineiiniclientele.iAiconsumeri
mightinotipreferitoiseekiassistanceifromiAimiIndiaiPvt.iLtd.iifitheyihaveiaidirectir
elationshipiwithitheibank.
2. losingiclientsibecauseiofibeingilateitoiaicall-centericlient.
3. Losingipotentialipersonnelicouldicauseitheibusinessitoigrowislowly.
4. Losingiclientsiandiindirectlyilosingibusinessimayiresultifromilessiutilisationiofithei
potentialiproductibase.
5. TechnologyiadvancementsiamongicompetitorsimayihaveianiimpactioniAimiIndiaiP
vt.iLtd.'siperformance.
 OrganizationaliStructureiofiAimiIndiaiPvt.iLtd

CEO

Director

Managers

Corporate HR Area Admin

Sales Manager Management Manager

Interns Interns

Recruitmenti&iSelectioniProcessiofiAIMiIndia

Pre—
Personal
Placement Offer Letter
Interview
Talk

ForiFinaliPlacement

Pre— Personal
GD/Aptitude Skype Interview Offer letter
Placement Talk Interview
 FinancialiAnalysis
Overview

AccrualiIntelligenceiManualsiIndiaiPrivateiLimitediisianiunlistediprivateicompanyiincorpora
tedioni29iSeptember,i2017.iItiisiclassifiediasiaiprivateilimitedicompanyiandiisilocatediiniEas
tiDelhi,iDelhi.iIt'siauthorizedishareicapitaliisiINRi10.00ilacianditheitotalipaid-
upicapitaliisiINRi5.00ilac.

AccrualiIntelligenceiManualsiIndia'sioperatingirevenuesirangeiisiUnderiINRi1icriforitheifina
ncialiyeariendingioni31iMarch,i2021.iIt'siEBITDAihasiincreasedibyi122.80i%ioveritheiprevi
ousiyear.iAtitheisameitime,iit'sibookinetiworthihasiincreasedibyi34.42i%.iOtheriperformance
iandiliquidityiratiosiareiavailableihere.

TheicurrentistatusiofiAccrualiIntelligenceiManualsiIndiaiPrivateiLimitediisi-iActive.

TheilastireportediAGMi(AnnualiGeneraliMeeting)iofiAccrualiIntelligenceiManualsiIndiaiPri
vateiLimited,iperiourirecords,iwasiheldioni30iNovember,i2021.iAlso,iasiperiourirecords,iitsi
lastibalanceisheetiwasipreparediforitheiperiodiendingioni31iMarch,i2021.

AccrualiIntelligenceiManualsiIndiaiPrivateiLimitedihasitwoidirectorsi-
iKamleshiSethiiandiChetnaiGumber.

TheiCorporateiIdentificationiNumberi(CIN)iofiAccrualiIntelligenceiManualsiIndiaiPrivateiL
imitediisiU93000DL2017PTC324336.iTheiregisterediofficeiofiAccrualiIntelligenceiManuals
iIndiaiPrivateiLimitediisiati90iGaganiVihariEXTN,iNewiDelhi,iEastiDelhi,iDelhi.
REGISTEREDiDETAILSi-
iACCRUALiINTELLIGENCEiMANUALSiINDIAiPRIVATEiLIMITED

CIN Authorised Type

Capital

U93000DL2017PTC324336 INRi10.0iLacs UnlistediPrivateiCompany

IncorporationiDatei/iAge PaidiupiCapital Category

29iSeptember,i2017i/i5iyrs INRi5.0iLacs CompanyilimitedibyiShares

LastiReportediAGMiDate Industry Subcategory

30-Nov-21 Otheriserviceiactivities Non-govticompany

FinancialiHighlights
Providedihereiareitheifinancialiindicatorsiforifinancialiyeariendingioni31iMarch,i2021.iActu
alinumbersiandimoreifinancialidata,iupdatediuntili31iMarch,i2021.
OperatingiRevenue UnderiINRi1icr
EBITDA i122.80i%
Netiworth i34.42i%
Debt/EquityiRatio -5.2
ReturnioniEquity N/A

HereiisiaisummaryiofifinancialiinformationiofiACCRUALiINTELLIGENCEiMANUALSiI
NDIAiPRIVATEiLIMITEDiforitheifinancialiyeariendingioni31iMarch,i2021.

OperatingiRevenue UnderiINRi1icr
EBITDA i122.80i%
Networth i34.42i%
Debt/EquityiRatio -5.2
ReturnioniEquity N/A
TotaliAssets i83.84i%
FixediAssets i-45.53i%
CurrentiAssets i158.23i%
CurrentiLiabilities i-97.72i%
TradeiReceivables N/A
TradeiPayables i-100.00i%
CurrentiRatio 47.6
Revenuei/iturnoveriofiACCRUALiINTELLIGENCEiMANUALSiINDIAiPRIVATEiLIMIT
EDiisiUnderiINRi1icr
Netiworthiofitheicompanyihasiincreasedibyi34.42i%
EBITDAiofitheicompanyihasiincreasedibyi122.80i%
Totaliassetsiofitheicompanyihasiincreasedibyi83.84i%
Liabilitiesiofitheicompanyihasidecreasedibyi-97.72i%
ACCRUALiINTELLIGENCEiMANUALSiINDIAiPRIVATEiLIMITED

Asioni(unitsiiniINR) 31iMarch,i 31iMarch,i 31iMarch,i 31iMarch,i

2021 2020 2019 2018
Equityi&iLiabilities i i i i
Shareholders’iFunds i i
ShareiCapital 5,00,000i 5,00,000i 5,00,000i 5,00,000i
ReservesiandiSurplus (9,02,250) (11,13,332) (6,03,113) (4,86,780)
MoneyiReceivediAgainstiSharei 0i 0i 0i 0i
Warrants
ShareiApplicationiMoneyiPendin 0i 0i 0i 0i
giAllotment
Non-CurrentiLiabilities i i
LongiTermiBorrowings 20,67,059i 4,95,754i 3,26,754i 50,000i
DeferrediTaxiLiabilities 0i 0i 0i 0i
OtheriLongiTermiLiabilities 0i 0i 0i 0i
LongiTermiProvisions 0i 0i 0i 0i
CurrentiLiabilities i i
ShortiTermiBorrowings 0i 0i 0i 0i
TradeiPayables 0i 1,345i 0i 99,438i
OtheriCurrentiLiabilities 23,600i 10,34,657i 4,24,557i 4,98,222i
ShortiTermiProvisions 0i 0i 0i 0i
TotaliEquityiandiLiabilities 16,88,409i 9,18,424i 6,48,198i 6,60,880i
i i i
Assets i i
Non-CurrentiAssets i i
FixediAssets i i
TangibleiAssets 45,712i 83,915i 1,53,988i 1,68,243i
IntangibleiAssets 0i 0i 0i 0i
CapitaliWork-in-Progress 0i 0i 0i 0i
IntangibleiAssetsiUnderiDevelop 0i 0i 0i 0i
ment
Non-CurrentiInvestments 0i 0i 0i 0i
DeferrediTaxiAssets 3,13,915i 1,94,013i 66,623i 5,562i
LongiTermiLoansiandiAdvances 2,05,500i 2,05,500i 2,05,500i 0i
OtheriNon-CurrentiAssets 0i 0i 0i 0i
CurrentiAssets i i
CurrentiInvestments 0i 0i 0i 0i
Inventories 0i 0i 0i 0i
TradeiReceivables 4,68,630i 0i 0i 25,000i
CashiandiCashiEquivalents 6,54,652i 4,24,996i 2,20,245i 1,63,081i
ShortiTermiLoansiandiAdvances 0i 10,000i 1,842i 2,98,994i
OtheriCurrentiAssets 0i 0i 0i 0i
TotaliAssets 16,88,409i 9,18,424i 6,48,198i 6,60,880i
ACCRUALiINTELLIGENCEiMANUALSiINDIAiPRIVATEiLIMITED

Asioni(unitsiiniINR) 31iMarch,i 31iMarch,i 31iMarch,i 31iMarch,i

2021 2020 2019 2018
ContinuingiOperations i i i i
Revenueifromioperations 9,90,000i 7,63,000i 10,62,800i 2,19,000i
Otheriincome 0i 0i 0i 0i
Totalirevenue 9,90,000i 7,63,000i 10,62,800i 2,19,000i
Costiofimaterialsiconsumed 0i 0i 0i 0i
Purchasesiofistockiinitrade 0i 0i 0i 0i
Changesiiniinventory 0i 0i 0i 0i
Employeeibenefitiexpenses 6,20,050i 8,99,800i 1,71,480i 70,081i
Financeicosts 0i 0i 200i 0i
Depreciationiandiamortization 38,204i 70,073i 1,01,630i 28,345i
Otheriexpenses 2,40,566i 4,30,736i 9,66,885i 6,12,916i
Totaliexpenses 8,98,820i 14,00,609i 12,40,195i 7,11,342i
Totalirevenueilessitotaliexpenses 91,180i (6,37,609) (1,77,395) (4,92,342)
Prioriperiodiandiexceptionaliitems 0i 0i 0i 0i
Profitibeforeiextraordinaryiitems 91,180i (6,37,609) (1,77,395) (4,92,342)
Extraordinaryiitems 0i 0i 0i 0i
Profitibeforeitax 91,180i (6,37,609) (1,77,395) (4,92,342)
Currentitaxiexpense 0i 0i 0i 0i
Deferreditaxiexpense (1,19,902) (1,27,390) (61,061) (5,562)
Profitifromicontinuingioperations 2,11,082i (5,10,219) (1,16,334) (4,86,780)
Profitifromidiscontinuingioperation 0i 0i 0i 0i
si(afteritax)
Netiprofit/loss 2,11,082i (5,10,219) (1,16,334) (4,86,780)
ACCRUALiINTELLIGENCEiMANUALSiINDIAiPRIVATEiLIMITED

Asion 31iMarch,i202 31iMarch,i202 31iMarch,i201

1 0 9
TotaliDebt/EquityiRatio i i i
TotaliDebt/TotaliAssetsiRatio 1.24 1.67 1.16
TotaliAssets/EquityiRatio i i
NetiDebt/EquityiRatio i i
QuickiRatio 47.60 0.41 0.52
CurrentiRatio 47.60 0.42 0.52
InterestiCoverageiRatio i -885.98
GrossiMargin 100.00 100.00 100.00
NetiMargin 21.32 -66.87 -10.95
EBITDAiMargini 13.07 -74.38 -7.11
ReturnioniFixediAssets 461.77 -608.02 -75.55
ReturnioniEquity i i
ReturnioniCapitaliEmployed 18.43 i
TotaliAssetiTurnover 0.59 0.83 1.64
FixediAssetiTurnover 21.66 9.09 6.90
DaysiReceivablesiOutstanding 172.00 0.00 0.00
DaysiPayablesiOutstanding i i
DaysiofiInventory i i i
 RatioiAnalysis

Ratioianalysisiisianiimportantifinancialianalysisitechniqueiwhichiallowsiusitoigainiinsightsii
ntoiaicompany’siliquidity,iprofitabilityiandioperationaliefficiencyibyianalyzingitheifinanciali
statementiofitheiorganization.

FinancialiRatiosihelpsitheicompanyiinisimplificationiofiaccountingidataiandiaccommodating
iinicomparativeistudy.iTheyialsoihelpiinilocatingitheiweaknessiofitheibusinessibyianalyzingi
theifinancialistatements.i
Notionlyithisibutitheyiareialsoiusefuliiniforecastingiandiestimatingitheitrendsiofitheibusiness
.i

Theidegreeitoiwhichitheibusinessireliesionifinancingiitsiobjectivesianditheiabilityitoirepayith
eidebtiareimeasurediusingiliquidityiproportionsiandicapitalidesigns.

RatioiAnalysis
LiquidityiRatios
Thisiratioihelpsitoiunderstanditheiabilityiofitheifirmitoimeetiitsicurrentiliabilities

 CurrentiRatioioriWorkingiCapitaliRatio
Thisiratioiexplainsitheirelationshipibetweenicurrentiassetsiandicurrentiliabilitiesiofiaibusines
s.iThisiratioiisiuseditoiassessitheifirm’siabilityitoimeetiitsishort-termiliabilities.

CurrentiRatioi=iCurrentiAssetsi/iCurrentiLiabilities
CurrentiRatioi=i1,123,282i/i23600
=i47.60

 QuickiRatioioriAcidiTestiRatio
Thisiratioiindicatesiwhetheritheifirmiisiiniaipositionitoipayiitsicurrentiliabilitiesiwithiniaimo
nthioriimmediately

QuickiRatioi=iLiquidiAssetsi/iCurrentiLiabilities
QuickiRatioi=i1,123,282i/i23600
=i47.60
SolvencyiRatio
Theseiratiosiareicalculateditoiassessitheiabilityiofitheifirmitoimeetiitsilong-termiliabilities.

 DebtiEquityiRatio
ThisiRatioiexpressesirelationshipibetweenilongitermidebtsiandishareholder’sifunds.iThisirati
oiisicalculateditoiassessitheiabilityiofitheifirmitoimeetiitsilong-termiliabilities.

DebtiEquityiRatioi=iDebti/iEquityioriLong-termidebtsi/iShareholder’sifundsiorinetiworth
DebtiEquityiRatioi=i5.20

 TotaliAssetsitoiDebtiRatio
Thisiratioiexpressesitheirelationshipibetweenitheitotaliassetsianditheilong-
termidebts.iItimeasuresitheiextentitoiwhichilongitermidebtsiareicoveredibyiassetsiwhichiindi
catesitheimarginiofisafetyiavailableitoiprovidersiofilong-termiloans.

TotaliAssetsitoiDebtiRatioi=iTotaliAssetsi/iDebts
TotaliAssetsitoiDebtiRatioi=i1.24

TurnoveriRatios
Theseiratiosiindicateitheispeediorinumberiofitimesitheicapitaliemployedihasibeenirotatediinit
heiprocessiofidoingibusiness.

 TotaliAssetsiTurnoveriRatio
Thisiratioiisiuseditoimeasureitheiefficiencyiwithiwhichiaicompanyiisiutilizingiitsiassetsitoige
nerateirevenue.

TotaliAssetsiTurnoveriRatioi=iNetiSalesi/iAverageiTotaliAssetsi
TotaliAssetsiTurnoveriRatioi=i0.59

 FixediAssetsiTurnoveriRatio
Thisiratioihelpsiusiiniunderstandingihowiefficientianiorganizationiisiinisalesigenerationifrom
iitsiexistingifixediassets.
FixediAssetsiTurnoveriRatioi=iNetiSalesi/iAverageiTotaliAssets
FixediAssetsiTurnoveriRatioi=i21.66

ProfitabilityiRatio
Theseiratiosiareiuseditoimeasureitheiprofitabilityiofitheibusiness.

 NetiMarginiRatioi
Thisiratioihelpsiexpressesitheiprofitifromibusinessioperationsiasiaipercentageiofinetisales.

NetiMarginiRatioi=iRevenuei-iCosti/iRevenue
NetiMarginiRatioi=i21.32

 GrossiMarginiRatio
Thisiratioicomparesitheigrossimarginiofitheiorganizationitoitheirevenueiofitheicompany.

GrossiMarginiRatioi=i100.00

 ReturniofiFixediAssetsiRatio
Thisiratioihelpsitheiinvestorsiiniunderstandingihowieffectiveitheicompanyiisiiniconvertingith
eimoneyiitiinvestsiintoinetiincomei
i
ReturniofiFixediAssetsiRatioi=iNetiRevenuei/iAverageiTotaliAssets
ReturniofiFixediAssetsiRatioi=i21.66

 ReturnioniCapitaliEmployediRatio
Thisiratioiassessesitheicompany’siprofitabilityiandicapitaliefficiency.

iReturnioniCapitaliEmployediRatioi=iOperatingiEarningsi/iCapitaliEmployedi
iReturnioniCapitaliEmployediRatioi=i18.43
FinancialiRatiosiofiTheiOrganization

AccrualiIntelligenceiManualiGroupiPrivateiLimited
FinancialiRatiosiasioni31iMarchi2021

Ratios 31iMarchi2021
TotaliDebti/iEquityiRatio 5.20
TotaliDebti/iTotaliAssetsiRatio 1.24
QuickiRatioi 47.60
CurrentiRatio 47.60
GrossiMargini 100.00
NetiMargini 21.32
EBITDAiMargin 13.07
ReturniOniFixediAssets 461.77
ReturniOniCapitaiEmployed 18.43
TotaliAssetiTurnoveri 0.59
FixediAssetiTurnoveri 21.66
DaysiReceivableiOutstanding 172.00
 ProjectiDescription
Projecti1:iSalaryiSlip
(HRiprofile)
Objective—
itoicreateiaiSalaryiSlipibyiapplyingitheifundamentaliknowledgeitaughtiduringitheicourseiofit
heitrainingiperiodiinitheirespectiveiformat.
Example—

BasiciSalaryiSlipiFormat
DesigniaisalaryislipiforitheimonthiofiDecemberi2021iwithitheiinformationigivenibelow.

Fixedivsivariableiratio-i70:30
CTCi-i18L
Basic-i50%
HRA-i20%
DAi-i12%
Traveliallowance-i2000
Insurancei-i2500
Incentive-ii75%itargeticompletion
PFi12%
Earnedileavesi-i2
LOPi-i4i
Referitoiannexurei(1)
Projecti2:iTaxation
Objective—CalculationiofiTaxableiIncomeibyiapplyingitheiincomeitaxibasicigivenibelow.

Incomeitax
Whatiisiincomeitax?
Partiofiincomeithatiweipayiasianiobligationitoitheigovernmenti
5iheadsiofitaxationi
1stisalaryihead
Incomeifromihouseipropertyi
Incomeifromicapitaligains
Incomeifromibusinessiandiprofession
Otherisourcesi
(Sourceiofigeneration)
Incomeitaxi@1961
Sectioni80ci
⁃ Deductionifromitotaliincome
⁃ Aipersonicanihaveitaxiexemptioniofiup-toi₹1,50,000ipa
⁃ Sectorsiofisectioni80c
⁃ Lifeiinsurancei
⁃ Equityilinkisavingischemei(ELFS)
⁃ NFC
⁃ nationalisavingicertificatei
⁃ Tuitionifeeipaidiup-toi2ichildreni
⁃ Housingiloaniprinciple
⁃ Providentifund
⁃ BankiFDi(minimumitenureiofi5iyears)
⁃ GovernmentiBonds
#iAipersonicanipurchaseiailifeiinsuranceionlyiforithemselves,itheirispouseiandiyourichildren
i

Sectioni80dionlyi1isector
Medicaliinsurancei
Limits
1. Peopleiagedibelowi60itaxiexemptioniofiup-
toi25kionihealthiinsuranceipremiumi&i5kionihealthicheck-up
2. Peopleiagedi60ioriaboveitaxiexemptiofiup-
toi30kionihealthiinsuranceipremiumi&i5kiforihelpicheck-up
3. Youicanihaveiadditionalitaxiexemptioniofiup-
toi25kionitheipremiumiforiyourispouseiparentsiandichildreni

Sectioni10(10)D
Theiincomeiearnedifromitheiinvestmentiofisectioni80ciwillibeitotallyitaxifree

Taxislab
Foritheipeopleiagedibelowi60i
0-2.5ilakhi0%iTax
2.5-5ilakhi5%iTax
5-10ilakhi20%iTax
Abovei10ilakhi30%iTax
Foritheipeopleiagedi60ioriaboveibutibelowi80
0-3ilakhi0%iTax
3-5ilakhi5%iTax
5-10ilakhi20%iTax
Abovei10ilakhi30%iTax
Foritheipeopleiagedi80ioriabove
0-5ilakhi0%iTax
5-10ilakhi20%iTax
Aboveilakhi30%iTax
Assignment—
MriBiagedi63iyears,ihasiearnedirupeesi75,00,000ioutiofihisibusiness.iHisiex-
wifeigiftedihimicashiworthirupeesi6ilakh.iHeispentiaitotaliofirupeesi15ilakhiduringiaifamilyi
trip.iHeiwoniailotteryiofi19ilakhirupees.iOutiofihappinessiheigiftedihisiwifeicashiofirupeesi4
50000.iHeiboughtiailifeiinsuranceipolicyiandipaidiaipremiumiofi50000iannually.iHeipaiditui
tionifeeiforihisidaughteriforirupeesi50000.iHeiinvestedirupeesi80000iiniPPF.iOneiofihisiexis
tingilifeiinsuranceipolicyigotimaturediandiheireceivediaitotaliofirupeesi32ilakh.iSeeingihisih
ealthiconditions,itheidoctoriadvisedihimiaimedicalitestitoipurchaseiHealthiInsuranceiofirupee
si6000ifollowingiwhichiheiboughtiaihealthiinsuranceiforirupeesi27000.iCalculateihisitaxable
iincomeianditaxiliability.
Referitoiannexurei(2)
Projecti3:iFinancialiSectors
Objective—
toigainimarketiinsighti&igainicrucialiknowledgeiaboutitheivariousifinancialisectorsitoihelpi
withiourisalesipitchitoipotentialicustomers

HereiareiallitheiMeritsi&iDemeritsilistediofivariousifinancialisectorsithatiIilearnediduringith
eicourseiofitrainingiperiod:

BankingiSector StockiMarket
Merits Merits
SafetyiandiSecurity HighiChancesiofiReturn
FixediandiAssurediReturns EasyiLiquidity
LoaniFacility RegulatediSector
EasyiLiquidity OwnershipiPerk
Digitalisation VarietyiofiOptionsiAvailable
Demerits Demerits
LowiReturns FluctuatingiReturns
NoiTaxiBenefits RiskyiInvestment
PenaltiesioniPrematureiWithdrawal NoiTaxiBenefits
HugeiMarketiKnowledgeiRequired
NecessityiofiDMATiAccount
MutualiFunds RealiEstate
Merits Merits
ModeratelyiHighiReturns SecondaryiIncome
RegulatediSector LoaniFacility
ModerateiLiquidity InflationiCover
VarietiesiAvailable Demerits
FlexibleiInvestment LowiReturns
ProfessionaliAssistance HugeiCapitaliRequired
Digitalization NoiTaxiBenefits
Demerits BrokerageiCharges
SubjectitoiMarketiRisks MaintenanceiCharges
NoiTaxiBenefits LowiLiquidity
HighiCommissioniCharges
LittleiMarketiKnowledgeiRequired
NoiControliOveriInvestments
Gold PPF
Merits Merits
InflationiCover Safetyi&iSecurity
LoaniFacility Fixedi&iAssurediReturns
ProtectioniAgainstiUncertainty TaxiBenefits
Demerits MinorsicanialsoiInvest
LowiReturns ProtectioniAgainstiInsolvency
NoitaxiBenefits Demerits
LowiLiquidity LockiiniPeriodiofi7iYears
MakingiCharges ModerateiReturns
StorageiIssues
MaintenanceiCharges
GovernmentiBonds LifeiInsurance
Merits Merits
Safetyi&iSecurity
HighiReturns
EasyiLiquidity
TaxiBenefit
LifeiCover/Security
VarietiesiAvailable
Demerits
HigheriPremiumiforiOldiAgeiPeople
Assignment—i
PrepareiaiPPTioniFinancialiSectors:i
(Eachifinancialisectorishouldihavei2islides-i

1.iIni1stislideiweihaveitoiintroduceitheisector

2.iIni2ndislideiweihaveitoimentionitheiProsiandiConsiofiinvestingiinithatisector)

Sectorsiofitoibeicovered-i

▶️Shareimarketi
▶️Mutualifunds
▶️Goldi
▶️Bank
▶️PPFi
▶️Realiestate
▶️GovernmentiBonds
▶️LifeiInsurancei
DailyiActivity
Objective—
iToistayiupdatediwithigeneraliknowledgeiofitheibusinessiworldiasiwelliasitheimarketimove
mentiofistocks,iindicesi&igoldiprices
Assignment—

▶️Shareiyouriselfieialongiwith,
▶️SensexiandiNiftyi
▶️Latestinewsiofitheiday
▶️Goldirateiforitheidayi
▶️Thoughtiofitheidayi

Needithisi▶️▶️▶️▶️▶️▶️ifromieachioneiofiyouieveryisingleidayibeforei11:00iamiinimorning

Weihaditoishareithisitoiouriteamileaderieverydayithroughoutitheiperiodiofiouriinternshipialo
ngiwithiourimorningiselfies.
Hereiisiaisampleiscreenshot:
Projecti4:iSales

Objective—
Weiwereisupposeditoibringileadsiforiouriproductiandihandleiallimarketing-
relatediactivitiesiforiit.iWeiwereiresponsibleiforihandlingitheientireisaleiprocessiandionceith
eiproductiwasisolditoitheicustomersiweiwereisupposeditoihandleitheifinancialiactivitiesirelat
editoithatiproductiandihandleicustomer-firmirelationshipsialongitheiway.

Weiwereisupposeditoipitchiouriproductitoipotentialiinvestorsiandipresentithemiwithiaigoodii
nvestmentioption.iAlso,iweiwereisupposeditoiperformiandimanageialliacclivitiesirelateditois
ellingitheiproduct.

Marketiresearchiandiin-depthiknowledgeiofitheiproductiiwasiaicrucialifactoriinithisiprojecti
iweiworkedionivariousidomainsiofifinanceiinitheiorganization,iweiwereiresponsibleiforiallith
eifinance-relatediservicesiassociatediwithisellingitheiproductiandifirmiwise.i
Theitwoiproductsiwhichiweiwereisupposeditoisellitoitheipotentialicustomersiwere:
1. BankiOfiBarodaiIndiaiFirstiLifeiMahajeevaniPlusiPlan
2. BankiOfiBarodaiIndiaiFirstiLifeiGuaranteediBenefitiProduct

BothitheiproductsiareirealiandivalidiproductsiprovidedibyitheiBankiofiBaroda.iTheirilifeiins
uranceiisialsoicallediIndiaFirstilife.iIndiaFirstiLifeiInsuranceiCompanyiisiaijointiventureiofiI
ndia'sipublicisectoribanksi(BankiofiBarodai(65%)iandiUnioniBankiofiIndiai(9%)
BANKiOFiBARODAiINDIAiFIRSTiLIFEiMAHAJEEVANiPLUSiPLAN
Longitermiplani

ItiisianiinvestmentiplaniprovidedibyiBankiofiBaroda.iThisiinsuranceiplaniisianiinvestmentib
ondiwithicomponentiofilifeicover.iMahajeevaniPlusiPlaniisiainon-
linkediinvestmentiplaniwithiindividualilimitipayiandimoneyibackiendowmentilifeiinsurancei
plan.iThisiisiaiTraditionaliCategoryiinvestmentiplan

Thisiinsuranceiplaniwilliensureisafeiandisecurediinvestmentiwithifixedireturns.i

Theipolicyiisidesigneditoiensureiailong-
termisafetyinetibyipayingiaidurationishorterithaniyouripolicyiterm.iThisipolicyiprovidesiaish
orteripayicommitmentiofi12iyearsiandikeepsitheicustomeriprotectediforiailongitermiofi15iye
ars.iMahajeevaniPlusiPlaniwillialsoitakeicareiofitheiliquidityineedsiofitheiclientsithroughimu
ltipleimoney-backsiduringitheipolicyiterm.i

Thisiinsuranceiplaniensuresiaicontinuedilifeicoveripremium;ithroughitheiLifeiCoveriContinu
ancei(applicableiafteriyouihaveipaiditwoifulliyearsi
premiums)iforiaiyear.i

Inithisiinsuranceiplan,itheiproposeriisisupposeditoipayitheipremiumipayingitenureifori12iyea
rsiandiheiwilligetitheipremiumiamountionimaturityiafteri15iyearsiwithi8%ifixedicompoundii
nterestiperiannumionitheipremiumiwithitaxibenefits.iTheipolicyishallibeieligibleiforiSimplei
ReversionaryiBonusiandiTerminaliBonus,

TheiclientsiareitoireceiveitheiGuaranteediSumiAssuredionimaturityiPLUSiaccruediSimpleiR
eversionaryiBonus.iTheiMinimumiamountiforithisiinvestmentiremainsiRs.i30,000ianditheim
aximumiisinoilimit

Theiclientsiareialsoitoireceiveiperiodicimoneyibackiinithisipolicy.itheyiwillireceiveitheseipa
youtsiofi103%iofitheiannualizediPremiumiatitheiendiofithei3rd,i7thiandi11thipolicyiyearidur
ingitheipolicyiterm.i
BANKiOFiBARODAiINDIAiFIRSTiLIFEiGURANTEEDiBENEFITiPRODUCT
Shortiterm

ItiisianiinvestmentiplaniprovidedibyitheiBankiofiBaroda.iThisiinsuranceiplaniisianiinvestme
ntibondiwithiaicomponentiofilifeicover.iGuaranteediBenefitiProductiplaniisiainon-
linkediinvestmentiplaniwithiindividualilimitipayiandimoneyibackiendowmentilifeiinsurancei
plan.iThisiisiaiTraditionaliCategoryiinvestmentiplan

ThisiInvestmentiplaniisiailittleidifferentifromitheiMahajeevaniPlusiPlaniasitheipremiumipayi
ngitenureihereicanibei5,6iori7iyearsiasiperitheirequirementiofitheicustomeributitheimaturit
yiperiodiofitheiinvestmentiremainsi15iyears,ialsoithisiplanidoesinotihaveitheiliquidityioptio
nibutiitiisiaigreatishortitermiinvestmentioption.iTheiminimumiamountiwhichicanibeiinveste
diinithisiplanistandsiatiRs.i52,250.

Thisiinvestmentioptioniwillihelpiyouiaccomplishiyourifutureigoalsiandichooseifromiincomei
benefitiorilumpsumibenefitioptioniasiperitheineedsiofitheicustomers.i

GuaranteediBenefitiProductiplaniallowsitheicustomersitoichooseifromi4ivariedioptionsiunde
ritheiIncomeiBenefitioptioniandireceiveiMonthlyiIncome,iAnnualiIncomeiasiwelliasiMaturit
yiatitheiendiofitheipolicyiterm.i

Withithisiplan,itheicustomersicanicontinueitoienjoyilifeicoveribenefitsiforioneifulliyearieveni
ifiyouimissipayingioneipremiumi(applicableiafteriyouihaveipaiditwoifulliyears’ipremiums).iA
lso,iaiTaxibenefitimayibeiavailableionitheipremiumsipaidiandibenefitsireceivediasiperiprevai
lingitaxilaws.

TheicustomersiwillireceiveitheiGuaranteediSumiAssuredionimaturity,iatitheiendiofitheipolic
yitermiasitheimaturityibenefitiinitheipolicy
Featuresiofitheiproduct
Categoriesiavailableiunderitheiproduct
⁃ Childicategory
⁃ Youngstericategory
⁃ Retirementicategory
⁃ Childicategoryi
Targetidemographic:iParents
Expectationsiofitheiparentsifromichildicategoryi
⁃ Healthiofitheichild
⁃ Educationi
⁃ Higherieducationi
⁃ Marriageiplanningi
⁃ Businessiplanningi

TenureiofitheiInvestment

ForiBankiofiBarodaiIndiaiFirstiLifeiMahajeevaniPlusiPlan,itheimaturityitenureiisi15iyearsia
ndipremiumipayingitenureicanibei9iori10iori12iyearsiasiperitheirequirementiofitheiclient.

ForiBankiofiBarodaiIndiaiFirstiLifeiGuaranteediBenefitiProduct,itheimaturityitenureiisiagain
i15iyearsibutitheipremiumipayingitenureicanibei5iori6iori7iyearsiasiperitheirequirementiofit
heiclient.
Examplei
Father’siagei30i
Mother’siagei27
&iChild’si3
Fatheriwillibeitheiproposaliandilifeiassuredi
Childiwillibeitheinomineei&imotheriwillibeitheiappointeei
SNO. CHILDiAGE FATHERSiAGEi TOTALiAMOUNT
iINVESTEDiPERi
YEAR
1iTOi15 3iTOi17iYEARSi 30iTOi44iYEARSi 1iLACiPERiYEAR

17iyearsiofidaughteri=i2932428i+iBonuses
2432428i+iPoliciesi
Afterireinvestmentiwithiinteresti3064158
2064158i+iBonusesi
247633i+iPoliciesi(6ilakhs)
=i307633

Childicategoryi10xitimesitheipremiumiamounti
10ilakhsiinicaseiofideathiafteri6imonths

Retirementicategory

1. Takeimoneyiandiexit

2. Pensionioption

Rupeesi22000ilifelongiuntilideath

3. Doubleitheimoneyioptioniavailablei
Lockiinifori10iyearsigetidoubleitheiamount
Youngstericategoryi

Highireturni
Taxibenefitibonusi
Lifeicoverage
Plus,iallitheibenefitsiofiallicategories.

Returnsi

Fixedi8%icompoundiinterestiperiannumionipremium
Extraireturnsisuchiasirevisionaryibonusianditerminalibonusiareialsoiincluded.

RevisionaryiBonusi-iMinimumi2%icompoundiinterestiperiannumionipremium.
TerminaliBonusi-iMinimumi30%iofilifeicoveriamountiatitheitimeiofimaturity.

LifeiCover

10itimesitheiannualipremiumiamount

LiquidityiOption

BankiOfiBarodaiIndiaiFirstiLifeiMahajeevaniPlusiPlanidoesihaveiailiquidityioptionibutiBan
kiofiBarodaiIndiaiFirstiLifeiGuaranteediBenefitiProductidoesinotiprovideianyiliquidityioptio
nitoitheiricustomers.

TheiLiquidityioptioniprovidesitheifollowingibenefitsitoitheicustomers:

⁃ SurrenderiOption—Terminationiofitheiinvestmentibutiwithiaipenalty.

⁃ AssignmentiOption—
Transferringitheiownershipiandicaniwithdrawiwithoutipenaltyibutithereiisiailock-
iniperiodiofi5iyearsiafteriwhichitheicompanyiwillihelpitheiclientiinitransferringitheio
wnershipiofitheiinvestment.i

PaybackiFeature

Customersicaniwithdrawi103%iofitheiriannualipremiumiinithei3rd,i7thiandi11thiyear.
Customer’siexpectationsiwithiouriproduct—
Expectations
⁃ LowiRisk
⁃ 8%iofiReturnsi(HighiReturnsi&iCompoundingiReturns)i
⁃ Flexibility:iPremiumipayingitenureimaturityi(periodi15iyears)
⁃ InflationiHedge
⁃ BonusiDiversionaryi
⁃ Mini2%i&iMaxi4%ieveryiyear
⁃ TerminaliBonus
⁃ 30%-60%i(10xitimesiofilifeicoveripremium)
⁃ Legalityi(regulatedibyiRBIi&iIRDAI)
⁃ EasyiLiquidityi(Assignmentioptioniafteri5iyearsi&iloanifacilityiupitoi80%iasiper
⁃ CIBILiscoreiafteri2iyears)
⁃ TaxiBenefitsi[bothi80Ci&i10i(10D)]
⁃ Safetyi&iSecurity
⁃ Transparency
⁃ LifeiAssuredi(miniagei5i&imaxiagei55)
⁃ Minorsicanialsoibeilifeiassuredi
⁃ Retirementiplanningi
⁃ Brandivalue
⁃ Digitalisationi
⁃ Customeriservicei(afterisalesiservices)
⁃ Dataisecurityi
⁃ Noicommissioni
⁃ Multipleinomineeioptioni(upitoi5)
⁃ Lowivolatileiproduct
⁃ PassiveiIncome
⁃ Diversei
⁃ Bankioverdraft
⁃ Instalmentioption
⁃ Noihiddenichargesi
⁃ Timeivalueiofimoney
⁃ Noiexternaliinterventioni
⁃ Modesiofipaymenti
 ⁃ Protectioniagainstiinsolvencyi
⁃ Easilyiapproachablei
⁃ Noiprofessionaliassistanceineeded
⁃ Easyiprocessingi
⁃ Customeriretentioni
⁃ Globalipresencei
⁃ NoiDMATiaccountineeded
#Everyiexpectationiisimetiwithibothiofiouriinvestmentiplansii.e.—
BANKiOFiBARODAiINDIAiFIRSTiLIFEiMAHAJEEVANiPLUSiPLANi&iBANKiOFiBA
RODAiINDIAiFIRSTiLIFEiGURANTEEDiBENEFITiPRODUCT
Finalitask—
iGenerateileads,icontactipotentialicustomersiandipitchithemitheseitwoiinvestmentiplansiusin
giallitheiinformationiprovidediaboutitheiproductii.e.:iBANKiOFiBARODAiINDIAiFIRSTiL
IFEiMAHAJEEVANiPLUSiPLANi&iBANKiOFiBARODAiINDIAiFIRSTiLIFEiGURANT
EEDiBENEFITiPRODUCT
UpdateiDSRiandiinformiyouriteamileaderiregularlyiaboutiyouridailyiprogress

Duringitheicourseiofitheiinternshipiperiod,iIiupdatedimyiDSRi34itimesi&imetiwithi104ipote
ntialicustomersi
Hereiisiaisummaryiofimyisalesiprocess—

Fixing appointment with the potential

customers.

Meetings with the potential customers

Follow upithrough callsiand more meetings

with the customers as per their requirements.

Closing the deal and getting cheque from the

customers.

Competing the documentation process and

insurance bond
Byisellingiinsurance,iweihaveiknownithatitheifirstiansweritoireceiveifromiaipotentialicustom
eriisiNO.iIfiweitargeti10iprospects,iweicaniconvertionlyioneiintoiaiclient.iGettingianiappoint
mentioveriaitelephoniciconversationiisiagainiaiveryidifficultitask.iIniorderitoiavoidithis,iweit
enditoiattendimoreisocialifunctionsisoiasitoimeetipeopleieasily.i

Observationioficonsumeribehaviouriwhileisellingipolicies:i
1. Indiansiareipriceisensitivei(theyiareinotiwillingitoipayihighipremiums)i
2. TheyivestimoreitrustiinipublicisectorsilikeiLICithanitheiprivateisector.i
3. IfiaisalesidealiisiclosediinitheiIsimeetingitheniit'siaisuccessfulione.iIfiaiclientiasksifor
iaisecondimeeting,ithenitheipossibilityiofiaidealigettingiclosedibecomesiless.i

Weihaveilearntivariousiusesiofilifeiinsuranceiproductsisuchiasisavingsiforitheifuture,itaxiben
efitsietc.

Weidiscussediandicomparedithatihowiprivateiinsuranceicompaniesiwilligetipopulariinitheico
mingiyearsiwithitheirateiofiFDsiandiotherigovernmentiinstrumentsidroppingitheirirateiofiinte
rest.i

Weimarketediouricompany'sipagei(alliverticals)ioverisocialimediaiandimadeiarticlesi(content
iwriting)itoibeipostedionitheiconcernedipageiandiwebsite.i

Weialsoilearntisales/productipitchingiandihowitoiconvinceidifferentiageigroupsiforitheisamei
product.
WeihaveilearntiB2Bipitchingiandiconvertingitheiprospectsithroughicoldicallingiintoiclientsi
whileiworkingioniAimiIndiaiPvt.iLtd.

Weihaveilearntidataiminingii.e.,ihowitoiextractidataifromivariousisources.

WeihaveialsoiworkedionidesigningitheibrochureiforiTheiLearningiStreetiandialsoiconvincedi
andicounselledistudentsiforitheirifutureicareers.
LifeiInsuranceiMarketingiStrategy
Theitermiinsuranceimarketingirefersitoitheimarketingiofiinsuranceiserviceiwithitheimottoiofi
customer-orientationiandiprofit-
generation.iTheiinsuranceimarketingifocusesionitheiformulationiofianiidealimixiforitheiinsur
anceibusinessisoithatitheiinsuranceiorganizationsisurviveiandithriveiairightiperspective.iThey
iqualityiofiservicesicanibeiimprovedibyiformulatingiaifairimixiofitheicoreiandiperipheraliser
vices.iTheimarketingiconceptiinitheiinsuranceibusinessiisiconcernediwithitheiexpansioniofiin
suranceibusinessiinitheibestiinterestiofisocietyivis-à-
visitheiinsuranceiorganizations.iButiinitheimodernibusinessiworld,itheimarketingiconceptiins
istsionifixingiofiaccountabilityiforioverallimarketingiperformance.iTheiconceptiofimarketing
iasico-
creatingivalueiisiconsidereditoibeiaiveryisignificantione;ithisiviewpointiisiveryinewiandimay
itakeisomeitimeitoibeiabsorbediintoitheimainstreamiofitheilifeiinsuranceisector.iItiis,itherefo
re,ipracticalitoiconsiderisomeiofitheimoreiconventionaliapproachesitoiservicesimarketing.iH
owever,ithereiareisomeiconsiderationsithatistilliapplyitoitheimarketingiofiservices;ijustiasico
nventionalimarketingihasibeeniunderpinnedibyitheifouriPs,ifinancialiservicesimarketingitooi
hasiaimarketingimixiwhichiconsistsiofieightiPs

Productielement:iTheiproductielementiinitheifinancialiservicesiisiofitheioutmostiimportance,
isinceitheicustomeriisiinitiallyiattracteditoitheiproductionly.iTheibenefitsiofitheifinancialiser
vicesimustibeiofivalueitoitheicustomeri

Placeianditime:iPlaceianditimeielementsirepresentitheiwayiiniwhichitheiservicesideliveredito
itheicustomer.iManyiofitheibasicifinancialiservicesiareiavailablei24/7ioriduringiaiworkingida
yi(viaiautomateditellingimachines)

Process:iThisirefersitoimeansithroughiwhichitheiserviceiisicreatediandiconsumedi(orievenico
-
iproduced).iTheimoreieasyiandifriendlyiprocessiwillibe,itheihigheritheidemandiwillibeiofithe
iproductiinitheifinancialiservicesimarket.iTheiconsumeriplaysiaisignificantiroleiinitheiproces
sioricreationiofitheifinancialiservices.
Productivity:iProductivityirefersitoitheiwayiiniwhichitheiinputsiofitheiserviceiareitranslatedii
nitoioutputsithatiareivaluedibyitheicustomers.iInifinancialiservicesiwhereieconomiesiofiscale
iareiconsidereditoibeicriticaliinidrivingidownicostsi(notinecessarilyiprices),iefficientiproducti
onihasitoibeicentral.iItiisialsoiessentialitoimaintainingiquality,iwithoutiwhichicustomersiwilli
switchitoicompetitorsiwhoiofferibetteriquality.

People:iPeopleiareitheimostiimportantielementiofianyiserviceioriexperience.iServicesitendito
ibeiproducediandiconsumediatitheisameimoment,iandiaspectsiofitheicustomeriexperienceiare
ialtereditoimeetitheiindividualineedsiofitheipersoniconsumingiit.iPeopleihaveianiimportantir
oleiiniserviceidelivery,itheyiareireliediuponitoideliveriandimaintainitransactionalimarketingia
ndipeopleiplayianiimportantipartiinitheicustomerirelationship.

Promotion:iItirefersitoitheimarketingistrategiesiwhichihelpiinipromotingitheifinancialiservice
siinitheimarket.iPromotioniinifinancialiservicesimayispellioutitheiadvantagesiofiaiparticulari
serviceiproviderioveriitsirivals,iasitheisectoriisihighlyicompetitiveiandidifferentiationibetwee
niproductsiandiprovidersiisidifficultitoiestablish.

Physicalievidence:iTheiserviceifirmimustirecognizeitheiimportanceiofiphysicalievidenceiand
itheiroleiitiisilikelyitoiplayiinioverallimarketingistrategyiofitheifirm.iTheireasonsiwhyiphysic
alievidenceimanagementicannotibeileftitoichanceiincludeiitsiroleiiniserviceipackaging,iservic
eidifferentiation,ifacilitationiinitheiserviceicreationiandidelivery,iandicustomeriandiemployee
isocializationiaitraditionalimeansiofiovercomingitheiintangibilityiofimostiservicesibyiprovidi
ngisomeielementiofitangibleievidence

Price:iTheipriceiisianiimportantiaspectiofitheimarketingiofifinancialiservicesiinitheicompetiti
veimarket.iEveryicustomeriwantsitoipayilessiandibuyimore.iTheicustomersipayiforitheirifina
ncialiservicesieitheridirectlyioriindirectly,ialthoughipricingiisihighlyicompetitive.
Companiesiareicompetingionipriceiandialsoiusingilowipriceiandihighireturnsistrategyiforicus
tomersitoilureithem.
Limitationsiofitheiproject

Thisianalysisiisibasediuponiinvestor’sibehaviouriforiinvestmentipreferencesiduringinormaliti
me.iThisianalysisiwouldibeifocusingionitheiinformationifromitheiinvestorsiaboutitheiriknowl
edge,iperceptioniandibehaviourionidifferentifinancialiproducts.
1. Theitotalinumberiofifinancialiinstrumentsiinitheimarketiisisoilargeithatiitineedsiailoti
ofiresourcesitoianalyseithemiall.iThereiareivariousicompaniesiprovidingitheseifinanci
aliinstrumentsitoitheipublic.iHandlingiandianalysingisuchiaivariediandidiversifiedidat
aineediailotiofitimeiandiresources.
2. Reluctanceiofitheipeopleitoiprovideicompleteiinformationiaboutithemicaniaffectithei
validityiofitheiresponses.
3. Theilackiofiknowledgeioficustomersiaboutitheifinancialiinstrumentsicanibeiaimajorili
mitation.
4. Mostiofitheiinvestorsiareifinancialiilliterates
5. Increaseiiniageidecreaseitheiriskitoleranceileveli
 Conclusion
AccrualiIntelligenceiManualsiIndiaiPrivateiLimitediisiaiPrivateiincorporatedioni29iSeptemb
eri2017.iItiisiclassifiediasiaiNon-
govticompanyiandiisiregisterediatitheiRegistrariofiCompanies,iDelhi.iItsiauthorizedishareica
pitaliisiRs.i1,000,000iandiitsipaid-
upicapitaliisiRs.i500,000.iItiisiinvolvediiniOtheriserviceiactivities

Variousitrainingisessionsiorganizedibyitheicompanyigaveianiinsightiintoivariousiproductsiof
feredibyiAimiIndiaiPvt.iLtd.iThisitrainingisessioniincludediaisessioniregardingidetailsiabouti
FinancialiPlanning,iitsibenefitsiandiitsiimportance.iTheisessionialsoifocusedioniaibriefiideaia
boutiMutualiFundsianditheiritypesialongiwithivariousistrategiesiforiinvestingiiniMutualiFun
ds.iOneitrainingisessioniwasidedicateditoiInsuranceiProducts.iThisisessioniproveditoibeivery
iusefuliconsideringimyireportitopiciwhichicoversitheiFactorsiaffectingicustomeripreferencesi
whileibuyingiLifeiInsuranceiPolicies.

LookingiatitheiscopeiofiBusinessiopportunitiesiiniLifeiInsuranceicompanies,itheitopic,iStudy
ioniFactorsiaffectingicustomers'ipreferenceitowardsiinvestingiiniLifeiInsuranceiPolicies,iwill
ihelpitoiunderstanditheiactualiparametersionitoiwhatiwouldibeitheifactorsiforiinvestingiiniLif
eiInsuranceipolicies.i

AimiIndiaiPvt.iLtd.iisiaigrowingiFinTechiPlatformiandihasishowniincredibleigrowthiinianiin
creasedinumberioficustomersieveryiyear.iItihasiachievedimilestonesiiniaiveryilessiamountiof
itime.iWithiaigrowinginumberioficustomers,itheiinteractioniwithicustomersianditheiriprefere
ncesiinibuyingiLifeiInsuranceiPoliciesiwouldihelpitoiunderstandiwhatichangesicanibeimadeit
oibringiaboutiawarenessiamongstitheipeopleiregardingiLifeiInsuranceiPoliciesiandiwillihelpi
companiesibuildinewistrategiesiandiproducts.
 Recommendations
⁃ TheipromotioniofiIndiaiFirstiLifeiInsuranceicompanyishouldibeimoreionieveryiplatfo
rm.
⁃ Claimsiofiinsuranceipoliciesishouldibeigivenionitime.
⁃ Everyibenefitiillustrationithroughitheipolicyimustibeishowniinitheibond.
⁃ Everyiinsuranceipolicyishouldigiveitheiricustomerianionlineiauthenticationiwhereithe
yicanibeialsoiupdatediwithitheiripolicyidetailsiandipremium.
⁃ AIMiIndiaicanicollaborateiwithivariousimulti-
nationalicompaniesiandicanigetidataioninewlyihirediemployees,iwhereitheicompanyi
canitellitheiemployeeitheitaxithatitheyicanisaveionitheirisalaries.
 KeyiLearningsifromitheiInternship

1. Importanceiofiorganizationigoals
2. HRipractices
3. EmployeeiLifecycle
4. CTCiPayroll
5. Taxation
6. Differentifinancialisectors
7. Taxibenefits
8. Dailyisalesireport
9. AboutiProduct
10. Competitorsiofiouriinvestmentipolicyiwithimoreigoodifeatures
11. Customers’ineedsiandiwants
12. Howitoiapproachiclients
13. Customersiperceptions
14. Marketiscenarioiandiinsight
15. Marketingiisinotialliaboutisittingiinitheioffice
16. Marketingistrategies.
17. Customers’iinvestmentiinivariousifinancialisectors
18. Customerirelationshipimanagement
 References
https://www.aimincorp.com/

https://www.tofler.in/aim-concrete-innovations-private-
limited/company/U36900MH2014PTC255219/financials

https://economictimes.indiatimes.com/company/accrual-intelligence-manuals-india-
private-limited/U93000DL2017PTC324336

https://connect2india.com/ACCRUAL-INTELLIGENCE-MANUALS-INDIA-
PRIVATE-LIMITED/5250918

https://www.indiafirstlife.com/individual-life-insurance/savings-plan/mahajeevan-plus-
plan

https://www.indiafirstlife.com/individual-life-insurance/savings-plan/indiafirst-life-
guaranteed-benefit-plan
 Annexures
1. SalaryiSlip:

AccrualiIntelligenceiManualsiGroup
SalaryiSlip
PersonneliNo. i Name i
Bank i BankiA/CiNo. i
DOJ i LOPiDays 4
P.F.iNo. i STDiDays i
Locationi i WorkediDays i
Department i Designation i
i i i i
Earningsi Amount Deductions Amount
Basic i₹iiiiiiiiiiii52,500.00i ProvidendiFund i₹iiiiiiiiiiii6,300.00i
HouseiRentaliAllowancei i₹iiiiiiiiiiii21,000.00i ProfessionaliTax i
DearnessiAllowance i₹iiiiiiiiiiii12,600.00i IncomeiTax i
TraveliAllowance i₹iiiiiiiiiiiiii2,000.00i Insurance i₹iiiiiiiiiiii2,500.00i
Incentive i₹iiiiiiiiiiii39,375.00i i i
LOP i₹iiiiiiiiiiiiii7,000.00i i i
StatiBonus i i i
GrossiEarnings i₹iiiiiiiii1,34,475.00i GrossiDeductions 8800
NetiPay 125675
i i i i

Basic 50%
Fixedi 70%
CTC i₹iiiiiii18,00,000.00i
PeriMonthiSalary i₹iiiiiiiii1,50,000.00i
FixediSalaryiPeriMonth i₹iiiiiiiii1,05,000.00i
HRA 20%
DA 12%
Incentive 75%
PF 12%
LOPiDays 4
 2. TaxableiIncomeiandiTaxiLiability
Particulars Amount Amount
Incomeifromibusiness ₹i75,00,000.00i
Incomeifromiotherisources
 Giftifromiexiwife ₹i6,00,000.00
 Lottery ₹i19,00,000.00i
Sectioni10(10D)
 Lifeiinsuranceipolicyimaturity ₹i32,00,000.00
GrossiIncome ₹i1,00,00,000.00i
Less:iDeductionsiunderichapteriIV—A
Sectioni80C
 Lifeiinsuranceipremium ₹50,000.00
 Tuitionifee ₹50,000.00
 PPF ₹80,000.00
₹1,80,000.00
Maximumibenefit (₹1,50,000.00)
Sectioni80D
Healthiinsurance ₹27,000.00
Maximumimedicalitest ₹5,000.00 (₹32,000.00)
NetiTotaliTaxableiIncome ₹98,18,000.00i

Taxislab
Foritheipeopleiagedi60ioriaboveibutibelowi80

0-3ilakhi0%iTax
i₹iiiiii2,50,000.00i 3-5ilakhi5%iTax i₹iiiiiiiiii12,500.00i
i₹iiiiii5,00,000.00i 5-10ilakhi20%iTax i₹iiiiiii1,00,000.00i
i₹iiii90,68,000.00i Abovei10ilakhi30%iTax i₹iiiii27,20,400.00i
TotaliIncome i₹iiii98,18,000.00i Totalitaxiliability i₹iiiii28,32,900.00i

Netiincomeiafteritaxesi=ii₹i69,85,100.00