BSSS - INSTITUTE OF ADVANCED STUDIES, BHOPAL

“TITLE: Customer Decision On Making Investment”

Summer Internship Project Report
Undertaken at

Submitted in partial fulfillment of the requirement for the award

of
Master of Business Administration

SUBMITTED BY: FACULTY

GUIDE:
JANVI CHUGH DR. KETKI
KULKARNI
ROLL NO: 1122031 Associate
PROFESSOR
ENROLLMENT NO.: BSSS IAS, BHOPAL

PREFACE

In the present fast moving globalize economy, only theoretical knowledge is not
sufficient for an individual to perform efficiently to bridge the gap between theory
and practical.
The students required to undergo 2 months training in any organization in subjects
like marketing, finance, human resource etc.
Summer internship program is a prelude to the final placements that the students
will be getting. During this 2 months of exposure to the industry that the students
can make a mark of challenging work, knowledge and ethics on the host
organization.
Summer internship program would also be a great learning experience since it
enables the students to apply theory to practice and observe and learn the current
trends in the market.
So, to have a practical exposure, I have been placed on “THE LEADING
SOLUTION COMPANY” for my summer internship program as my specialization
is HUMAN RESOURCE AND MAKETING.
I, JANVI CHUGH, a student of second year BSSS Institute of Advanced
Studies, did summer internship at ‘THE LEADING SOLUTION’ on the topic
“Customer Decision On Making Investment”.

CERTIFICATE

Certified that this project report entitled “Customer Decision On Making

Investment” is a record of project work done independently by Ms. JANVI
CHUGH under my guidance and supervision and that it has not previously formed
the basis for the award of any degree/ diploma, fellowship to him/her.

Date : Name & Signature of the faculty guide

 DECLARATION

I JANVI CHUGH, hereby declare that this project report entitled “A Study on
Analyzing the effect of Customer Decision On Making Investment with The
leading solution.” is a bonafide record of work done by me during the course of
summer internship and that it has not previously formed the basis for the award to
me, for any degree/diploma, associate ship, fellowship or other similar title, of any
other institute/ society.

Date: Name& Signature of Student :

Enrollment no:
 ACKNOWLEDGEMENT

This report has been made possible through direct and indirect support of various
people for whom I wish to express my appreciation and gratitude.

I take this opportunity to express my sincere thanks to the management of The

leading solution company located in Delhi, for providing me the opportunity to
carry out the internship in their organization.

I express my sincere gratitude to Mr. Sourabh who has shown genuine interest in
providing necessary guidance regarding the conceptual clarity of the project and
rendered support at all stages of the study.

I would like to give special thanks to my respected mentor DR. KETKI

KULKARNI (BSSS-IAS) for guiding me to make this project meaningful.
Certificate of Completion
 EXECUTIVE SUMMARY

MBA is a stepping-stone to the management carrier and to develop good manager

it is necessary that the theoretical must be supplemented with exposure to the real
environment. Theoretical knowledge just provides the base and it's not sufficient
to produce a good manager that’s why practical knowledge is needed.

In accordance with the requirement of MBA course I had summer training project
in management trainee department of The leading solution company on the topic
"A Study On Customer Decision On Making Investment ".

Vehicle financing refers to the various methods consumers use to acquire a

vehicle through financial means.
The automotive industry has witnessed significant growth in vehicle financing
over the years, with a range of options available to customers. Understanding the
different financing options and their impact on customers is essential for
automotive companies, dealerships, and financial institutions to effectively meet
customer needs and drive sales against their competitors.

Vehicle financing options have evolved to meet customer preferences, providing

flexibility, convenience, and customization by offering a range of financing
options, tailoring solutions, and leveraging innovative technologies, businesses
can enhance customer satisfaction and loyalty in the dynamic vehicle financing
process.

The report gives an overview of the vehicle financing products offered at

cholamandalam investment and finance company.
 Index
Sr. No. Particulars Page
No.
1.0 Chapter 1 Introduction of the Project
1.1 Background of the Problem
1.2 Relevance of the study for Managers, Organization, Society
1.3 Research Gap
1.4 Objectives of study
1.5 Limitation of the Study
2.0 Chapter 2 Introduction of the Company
2.1 Company Profile
2.2 Company’s Vision. Mission and Values
2.3 History of the company
2.4 Board of Directors
2.5 Key Group Companies and their Businesses
2.6 Awards and Recognition
2.7 Financial Performances
2.8 Market Capitalization
2.9 Latest news about Bank of Baroda Bank
2.10 CSR Activities
2.11 Competitor’s
2.12 Product and Services
2.13 SWOT Analysis
2.14 PESTLE Analysis
3.0 Chapter 3 Literature Review
4.0 Chapter 4 Research Methodology
4.1 Objective
4.2 Sources of data
4.3 Research Design
4.4 Sample Size
4.5 Tools of Data collection

5.0 Chapter 5 Data Analysis and Interpretation

6.0 Chapter 6 Findings and Recommendations
6.1 Findings
6.2 Recommendations
7.0 Chapter 7 Conclusion
8.0 Chapter 8 Learnings through internship
9.0 References / Bibliography
10.0 Annexure
 CHAPTER-1
INTRODUCTION OF
THE PROJECT

BACKGROUND OF THE PROBLEM

If you are referring to the background problem of a wealth advisor, it typically
pertains to the challenges or issues faced by professionals in the field of wealth
management. Some common background problems for wealth advisors can
include:
Complexity of Financial Markets: Wealth advisors need to navigate complex
financial markets and stay updated with the latest investment options, regulations,
and economic trends. The dynamic nature of the market can pose challenges in
developing effective strategies for clients.

Client Expectations: Wealth advisors often face the challenge of managing

diverse client expectations. Each client may have unique financial goals, risk
tolerances, and investment preferences, requiring personalized advice and tailored
solutions.

Regulatory Compliance: The financial industry is subject to various regulations

and compliance requirements. Wealth advisors must ensure that they adhere to
these regulations, which can involve extensive paperwork, documentation, and
ongoing monitoring.

Market Volatility: Market volatility can significantly impact investment

portfolios. Wealth advisors need to proactively manage client investments,
adjusting strategies when needed, and providing timely advice to help clients
navigate market fluctuations.

Fiduciary Responsibilities: Wealth advisors have a fiduciary duty to act in the

best interests of their clients. Balancing the client's interests with potential conflicts
of interest can be a challenge and requires maintaining transparency, integrity, and
ethical practices.
Technological Advancements: Technology plays an increasingly important role in
wealth management. Advisors need to adapt to new tools, software, and digital
platforms to provide efficient services, enhance client communication, and stay
competitive in the industry.

Succession Planning: As wealth advisors work closely with clients over long
periods, they often face challenges related to succession planning. Ensuring a
smooth transition of client relationships and maintaining continuity of services
when a senior advisor retires or leaves the firm can be a complex process.

Relevance of the study for Managers, Organization

And Society

This study will help the company to improve and to maintain the positive impact
on the customers by fulfilling their satisfaction which will help them to stand
against their competitors.

Manager Decision Making: Managers can gain insights into the challenges faced
by wealth advisors, helping them make informed decisions about hiring and
training advisors, allocating resources, and setting strategic goals for their wealth
management divisions. Understanding the background problems can assist
managers in developing effective policies and procedures to support advisors in
their roles.

Organizational Efficiency: By understanding the background problems of wealth

advisors, organizations can identify areas where operational improvements are
needed. This can include streamlining compliance processes, investing in
technology and tools to enhance advisor productivity, and implementing effective
succession planning strategies to ensure continuity in client relationships.

Societal Impact: Wealth management plays a significant role in the economy, and
the study of background problems can contribute to societal understanding of the
challenges faced by advisors and their impact on clients and financial markets.
This understanding can inform policy discussions and regulatory reforms aimed at
enhancing investor protection, promoting financial literacy, and ensuring fair and
transparent wealth management practices.

RESEARCH GAP

When discussing a research gap for management, it is important to specify a

particular aspect or area of management that you are referring to. However, based
on the term "tarniee," which appears to be a misspelling or a term that is not widely
recognized, it is challenging to provide a specific research gap.
To identify a research gap in management, you would typically need to review
existing literature, identify areas that have not been extensively studied, or identify
emerging trends or challenges that require further investigation. Some general
areas where research gaps are often found in management include:

Leadership and Organizational Behavior: Understanding the impact of different

leadership styles, exploring the role of emotional intelligence in leadership
effectiveness, or examining the dynamics of diverse teams within organizations.
Strategic Management and Innovation: Investigating the factors that influence
successful implementation of strategic initiatives, examining the relationship
between innovation and firm performance, or exploring strategies for managing
organizational change.

Human Resource Management: Exploring the impact of talent management

practices on employee engagement and retention, investigating the effectiveness of
performance appraisal systems, or studying the role of workplace diversity and
inclusion in organizational success.

Operations Management: Investigating supply chain management practices and

their impact on efficiency and sustainability, exploring lean management principles
and their application across different industries, or studying the adoption and
impact of emerging technologies in operations.

Marketing and Consumer Behavior: Examining the influence of digital

marketing on consumer behavior, investigating the role of social media in brand
management, or studying the impact of ethical marketing practices on consumer
perceptions and brand loyalty.

These are just a few broad areas in management where research gaps can be found.
To identify a specific research gap, it is important to narrow down the topic of
interest and conduct a literature review to understand what has already been
studied and what areas require further investigation.
 LIMITATIONS OF STUDY

Sample Size and Representativeness: The review's discoveries might be

restricted in the event that the sample size is small or not representative of the
objective population. A small sample size might decrease the generalizability of
the outcomes, while a non-delegated test might present a predisposition.

Data Collection and Measurement: The exactness and dependability of the

review's discoveries can be restricted by the nature of information assortment
strategies and estimation instruments. Issues, for example, self-reported
predispositions, review blunders, or abstract translations, can influence the
legitimacy of the review.

Causality and Generalizability: Laying out causality in administration studies can be

difficult because of the presence of different factors and complex connections.
Moreover, the generalizability of discoveries might be restricted to explicit
settings, businesses, or authoritative settings.

Time and Resource Constraints: Specialists might confront limits with regard to
time, financing, or access to information and assets. These imperatives can affect
the degree and profundity of the review and may expect scientists to make
compromises or spotlight unambiguous parts of the point.

Ethical Considerations: The executives studies, including human members,

should comply with moral rules like informed assent, security, and assurance of
private data. Consistence with these moral contemplations can force impediments
on the review's plan and information assortment systems.
 CHAPTER -2
INTRODUCTION OF
THE COMPANY

COMPANY PROFILE

The Leading Solutions is the one stop solution provider for all your financial
needs. Our objective is to serve the customers with the best solution for directing
their finances in the most profitable direction.
Company is able to facilitate various trainings and development programs with top
B-schools and we have already trained thousand of interns till date. We have
liaison with more than 50 universities in India with the base size of 800 and above
campuses, keeping in mind the most critical needs in today's context, we have
emerged as a service partner of various bank providing one stop solution offering a
gamut of services.

Thus, our mission is to establish high standards of professional etiquette and to

effectively facilitate a comprehensive and accomplished system of continuing
professional development for every possible profession through our exceptional
training solutions

TLS is one of the developing consulting firm in India. At TLS, we give broad
administration services to high and HNI clients. Our exceedingly prepared and
concentrated group draw in with customers from the nation over just as those based
abroad. We facilitate every one of the administrations expected to deal with
customer's cash and plan for their very own and family's present and future needs.

Achieving wealth and remaining wealthy require different characteristics.

Individuals, families and even businesses become wealthy for a variety of reasons,
yet they often make the mistake of thinking they can also win the wealth
management game alone. Fortunes are lost annually by uninformed direct
investments and poor choices made by experts in the legal, operations, accounting,
investments and insurance domains. In many cases, there are no "do overs" which
is why the right partner not only makes sense, it is critical in achieving one's goals.
In the end, it is not about what you earn, it is what you keep that matters most." We
cares about our client and provide them best options what they really needs not
what we have. We are not salesman we are service provider and effective service
provider is the one who satisfy his clients need and solve his problem at the same
time on the long run basis.

COMPANY VISION MISSION

Our Mission
To assemble a world class business through high quality and genuine budgetary
arrangements upheld by sharp research and master group. The arrangements are
conveyed by specialists who comprehend the particular yearnings of each
customer.

Our Vision
Our motive is to upgrade the perception of investors moving them from traditional
investment decision making to diversified one. In this dynamic economy it is
always better to diversify your funds. We work on the core mentality of investors
and try to shift their interest from traditional to modern mind set by providing them
greater choices to invest. To expand our piece of the overall industry year on year
and keep up a similar dimension of involvement for each customer. What's more,
guarantee that we become the most profitable resource for every customer.

HISTORY OF THE COMPANY

Himalaya Sethi is the founder of The Leading Solution Company. It is able to

facilitate various trainings and development programs with top B-schools and we
have already trained thousand of interns till date. We have liaison with more than
50 universities in India with the base size of 800 and above campuses, keeping in
mind the most critical needs in today's context, we have emerged as a service
partner of various bank providing one stop solution offering a gamut of services.
Thus, our mission is to establish high standards of professional etiquette and to
effectively facilitate a comprehensive and accomplished system of continuing
professional development for every possible profession through our exceptional
training solutions
TLS is one of the developing consulting firm in India. At TLS, we give broad
administration services to high and HNI clients. Our exceedingly prepared and
concentrated group draw in with customers from the nation over just as those based
abroad. We facilitate every one of the administrations expected to deal with
customer's cash and plan for their very own and family's present and future needs.
Achieving wealth and remaining wealthy require different characteristics.
Individuals, families and even businesses become wealthy for a variety of reasons,
yet they often make the mistake of thinking they can also win the wealth
management game alone. Fortunes are lost annually by uninformed direct
investments and poor choices made by experts in the legal, operations, accounting,
investments and insurance domains. In many cases, there are no "do overs" which
is why the right partner not only makes sense, it is critical in achieving one's goals.
In the end, it is not about what you earn, it is what you keep that matters most." We
cares about our client and provide them best options what they really needs not
what we have. We are not salesman we are service provider and effective service
provider is the one who satisfy his clients need and solve his problem at the same
time on the long run basis.

BOARDS OF DIRECTORS

Directors of Insplore Consultants Private Limited are Himalaya Sethi and Chetna Gumber.
The longest serving director currently on board is Himalaya Sethi who was appointed on 01
January, 2018. Himalaya Sethi has been on the board for more than 5 years.
The most recently appointed director is Chetna Gumber, who was appointed on 12 July, 2023.
Chetna Gumber has the largest number of other directorships with a seat at a total of 3
companies. In total, the company is connected to 2 other companies through its directors.

KEY GROUPS COMPANIES AND THEIR BUSINESSES

AWARDS AND RECOGNITION
FINANCIAL PERFORMANCE
Financial information of INSPLORE TLS CONSULTANTS PRIVATE LIMITED for the
financial year ending on 31 March, 2021.

1. Revenue / turnover of INSPLORE CONSULTANTS PRIVATE LIMITED is Under INR 1 cr.

2. Net worth of the company has decreased by -2.36 %
3. EBITDA of the company has increased by 88.19 %
4. Total assets of the company has decreased by -17.99 %
5. Liabilities of the company has remained unchanged

Operating Revenue Under INR 1 cr

EBITDA 88.19 %

Networth -2.36 %

Debt/Equity Ratio 0.25

Return on Equity -2.42 %

Total Assets -17.99 %

Fixed Assets 0.00 %

Current Assets -19.88 %

Current Liabilities N/A

Trade Receivables 0.00 %

Trade Payables 0.00 %

Current Ratio 4.56

MARKET CAPTIALIZATION
 LATEST NEWS ABOUT BANK OF BARODA

IndiaFirst Maha Jeevan Plan

IndiaFirst Life Maha Jeevan plan helps to accumulate your savings systematically,
through regular premium contributions based on your income and needs. Be sure to
receive tax benefits and death benefits. Invest in IndiaFirst Maha Jeevan Plan at the
minimum age of 20 to secure your future health insecurities.

Bank Of Baroda received Rs. 10,000 cr in Rs. 2,000 notes, 90% in

deposits: sources

"We have received approximately Rs 10,000 worth of Rs 2,000 notes, out of which
90 percent was received in deposits and the remaining in exchange. Things are
running in a smooth way,” said the official, on condition of anonymity.

CSR ACTIVITES
COMPETITORS
 BANK OF
BORODA

UNION
BANK

PRODUCT AND SERVICES

PORTOFOLIO : BANK OF BORADA

1. Short term plan :Guranteed Benefit plan
2. Long Term Plan : MAHAJEEVAN PLUS PLAN.
CATEGORIES AVAILABLE UNDER THE PRODUCT
1 . Child
2. Youngster
3. Retirement

*CHILD CATEGORY: {LONG TERM}

Eg: Parents
Father = 30 year, proposer , LIFE ASSURED
Mother= 27 year, appointee
Child=03 year, nomiee

S.NO AMOUNT CHILD AGE

INVESTED PER
YEAR
1 1 LAKH 3
2 1 LAKH 4
3 1 LAKH 5
4 1 LAKH 6
5 1 LAKH 7
6 1 LAKH 8
7 1 LAKH 9

8 1 LAKH 10
9 1 LAKH 11
10 1 LAKH 12
11 1 LAKH 13
12 1 LAKH 14
 13 1 LAKH 15
14 1 LAKH 16
15 1 LAKH 17

 17 YEAR CHILD – RS.29,32,428+ BONOUS

When the child age is 17 then the parents take graduation amount form the company Rs. 5lakh .
Rs. 29,32,428-5,00,000= 24,32,428
After 3 years ,
24,32,428 of 8% = 6,31,730
Total amount = 30,64,158 + bonus.
 20 YEARS CHILD =30,64,158 + bonus.
10 lakh given for masters
20,64,158+bonuses.
After 2 years @8% interest on 20,64,158
Total amount will be 24,07,633+bonus.
Bonus amount = 6,00,000
Final amount= 30,07,633

 EXPECTATION OF CHILD CATEGORIES;

 Health of the child
 Education for child
 Higher education
 Business planning
 Marriage

 OPTION AVAVIABLE IN CHILD CATEGORIES;

 Take money at exit
 Plannig for higher education.
 YOUNGETER CATEGORY
Expecttion of youngster
 Security of funds

 High rate of return

 Tax benefits
 High liquidity
 Life insurance
 Flexibility

 RETIREMENT CATEGORY
Option available for product
 Take money at exit
 Pension option
 Double the money
Under pension option of retirement category take 22,500 per month until death/ until the date
you want.
35 years age of client maturity amount Rs.35,00,000
35,00,000 lakh @8% * 12 months = 22,500

SWOT ANALYSIS
SWOT stands for Strengths, Weaknesses, Opportunities, and Threats.
Qualities and shortcomings are inward to your organization — things that you have
some command over and can change. Models incorporate who is in your group,
your licenses and protected innovation, and your area.

Valuable open doors and dangers are outer — things that are happening outside
your organization, in the bigger market. You can make the most of chances and
safeguard against dangers, yet you can't transform them.

PESTLE Analysis
A PESTLE analysis examines the external factors that can impact a business. Here
is a concise PESTLE analysis specifically for a wealth management company:
Political:
Government regulations and policies on financial services, taxation, and
investment practices can affect the wealth management industry. Political stability
and changes in leadership can impact investor confidence and market stability.
Economic:
Overall economic conditions, such as interest rates, inflation, and GDP growth, can
influence the profitability and performance of a wealth management company.
Income distribution and wealth disparities in the population can affect the demand
for wealth management services.
Sociocultural:
Demographic trends, such as an aging population or shifts in consumer
preferences, can impact the demand for specific wealth management products and
services. Social attitudes towards wealth, investing, and financial planning can
shape the perception of wealth management companies.
Technological:
Advancements in technology, such as digital platforms, robo-advisors, and
artificial intelligence, are transforming the wealth management industry.
Cybersecurity threats and data privacy concerns pose risks that need to be
addressed by wealth management firms.
Legal:
Compliance with financial regulations, such as anti-money laundering laws and
investor protection regulations, is crucial for wealth management companies.
Changes in legal frameworks, such as tax laws or regulations related to fiduciary
duties, can impact the operations and profitability of the company.
Environmental:
Growing awareness of climate change and environmental sustainability is
influencing investment preferences, leading to the emergence of sustainable and
impact investing in wealth management.

LITERATURE REVIEW
It was proposed to survey the literature regarding differentiation of the product offerings. In the
event that the consumer finds him or herself in market that displays low level of differentiation,
the consumer might result to purchasing influenced by convince. Like consumers who displays
complex buying behavior consumers with dissonance reducing behavior were seek to establish
personal belets regarding the products. These beliefs with eventually transforms into attitude
regarding the product offerings. Some Economist had done extensive work on this as a whole.
There had been certain endeavors that have direct or indirect bearing on the present study.

Assael(2004) considered consumers displaying habitual buying behavior as consumers who did
not experience the same sequences the previous two behavioral types. Instead of hasing their
decision making process on seeking product information pertaining to functionality or
characteristics, this type of consumer purchase was based on information gathered passively via.
Company's promotional efforts, by it through the medium of TV, Radio, or Print Advertising.
Common to this type of consumer, is "brand switching" in order to satisfy there need for
diversification.

Howard and Seth(2005) fully ascertained the effects that branding had on the consuniser
decision making process. Howard model is used in the process of decision making during
purchasing activities. Its model illustrates that cognitive decision making is the process in which
consumers mentally process information that influences them.

Kepferer (2007) mentioned that shift in focus towards brands began when it was understood that
they were something more than mere identifiers

Aaker and Joachmisthaler (2011) stated the traditional branding model where a brand
management team was responsible for creating and coordinating the brands management
progræn.

The basic objective was the coordination with the manufacturing and sales departments in order
to solve any problem concerning sales and market share.
Kotler (2014) concluded that the essence of this approach is critical for organizational success,
so that they can have better understanding of their customer's behavior. The physical action or
behavior of consumer and their buying decision every day can be measured directly by
marketers. For that reason many organizations these days are spending lot of their resources to
research how customer makes their buying docision, what they buy, how much they buy, when
they buy and where they buy.
 CHAPTER -4
RESEARCH
METHODOLOGY
 OBJECTIVES

The objective of a customer's decision to make an investment can vary based on

their individual goals and circumstances. However, some common objectives for
customers when making investment decisions include:

Wealth accumulation: Many customers invest with the objective of growing their
wealth over time. They may aim to generate capital gains or earn a return on their
investment that exceeds the rate of inflation.

Retirement planning: Customers often invest with the goal of building a nest egg
for their retirement. They seek to ensure financial security and maintain their
lifestyle once they stop working.

Income generation: Some customers invest to generate regular income from their
investments. This can be particularly important for individuals who rely on their
investments to cover living expenses or supplement their existing income.

Risk management and diversification: Customers may invest to diversify their

investment portfolio and manage risk. By spreading their investments across
different asset classes or industries, they aim to reduce the impact of any one
investment's performance on their overall portfolio.
Tax efficiency: Customers may consider the tax implications of their investment
decisions. They may seek investments that offer tax advantages or strategies that
minimize their tax liabilities.

Long-term financial goals: Customers may have specific long-term financial

goals, such as saving for a child's education, buying a house, or starting a business.
They invest with the objective of achieving these goals within a specific
timeframe.

Social and ethical considerations: Some customers prioritize investments that

align with their social or ethical values. They may seek out companies or funds that
focus on sustainable practices, environmental stewardship, or social responsibility.

It's important to note that these objectives are not mutually exclusive, and
individuals may have multiple objectives when making investment decisions. The
specific objectives and priorities will vary based on personal circumstances, risk
tolerance, time horizon, and individual values.

SOURCES OF DATA

PRIMARY DATA
The primary data for the research will be specifically collected by the following
ways which would include online platforms and surveys through questionnaires
interviews phone calls and video calls.
Online Platforms and Surveys: Utilize online platforms, such as social media or
dedicated research platforms, to collect primary data. Create online surveys or
interactive questionnaires that participants can access and complete at their
convenience.
Surveys: Surveys are a popular method for collecting primary data. Design a
structured questionnaire that captures relevant information about investment
preferences, factors influencing decisions, risk appetite, financial goals, and
demographic details. Surveys can be administered online, via email, or through
face-to-face interviews.
Interviews: Conducting interviews allows for in-depth exploration of participants'
investment preferences and decision-making processes. Use a semi-structured or
structured interview guide to ensure consistency across interviews. Interviews can
be conducted in-person, over the phone, or through video calls.
SECONDARY DATA
The secondary data will also be sourced for the research study and the various
sources for secondary data are
Industry Publications and Magazines: Access industry-specific publications and
magazines focusing on finance, investments, and wealth management. These
publications may provide insights into the latest trends, market analyses, and
expert opinions on investment preferences.
Published Reports and Research Studies: Review published reports, research
studies, and market analyses conducted by financial institutions, consulting firms,
research organizations, and government agencies. These reports often provide
valuable insights into investment preferences, market trends, and investor behavior.
Government Publications: Explore government publications, such as statistical
reports, regulatory guidelines, and policy documents, which may contain relevant
data on investment preferences and market conditions. Check sources like the U.S.
Securities and Exchange Commission (SEC), Securities and Exchange Board of
India (SEBI), or similar regulatory bodies in your country.

OBJECTIVE

As a part of the Summer Internship Program we have been assigned to generate

new leads for the product India First Life Maha Jeevan plan.

1. To know the perspective of consumer.

2. Influence of direct selling on buy in behavior
3. Buyer decision making.
4. Types of customer on the basis of huving.
5. Influence on the brand by direct selling or marketing.
6. How customer perceive the brand.
7. Comparison of different brand n which people are investing.
8. To find out the reasons why clients are not purchasing the product.

SOURCES OF DATA
This Exploratory research has been conducted through primary data. The data has
been collected through questionnaire.

RESEARCH DESIGN

Non-probability sampling techniques are often used in exploratory and qualitative

research which I have converted into quantitative data. In these types of research,
the aim is not to test a hypothesis about a broad population, but to develop an
initial understanding of a small or under-researched population.

SAMPLE SIZE

The survey is conducted among 66 respondents.

DATA COLLECTION METHOD:

Data collection method: Non-profitability sampling.

Primary Data: The data has been collected through questionnaire.

Target group: The respondents consist of earning members of the family,
people retiring from their job, youngsters who recently started earning.
 CHAPTER 5
DATA ANALYSIS AND
INTERPRETATION
Data analysis is the process of inspecting, organizing, transforming, and modeling
data with the goal of finding useful information, making conclusions, and
supporting decision making. Analysis means decomposing the whole into
individual components for individual testing. Data analysis is the process of
obtaining raw data and transforming it into information that is useful for decision-
making. Collection and analysis of data to answer questions, verify hypotheses, or
contradict theory is a part of the process of analysis.
 CHAPTER 6
FINDINGS AND
RECOMMENDATION
S
 FINDINGS
Most of the people belong to the age group of 41 to 50 years followed by those
belonging to the age group of 19to30 years. Majority of people belonged to the
private sector followed by businessmen and others. Majority of the people
preferred investing in banking sector followed by insurance, gold and post office
scheme. Only some people prefer direct investment in the stock market. The
monthly income profile of the people reflected that most of the investor belongs to
the income level of Rs 40,001/-50,000and followed by the investors belong to the
income group of Rs 30,001 to R$ 40,000. Majority of the population was not aware
of India First Maha Jeevan Plan. People considered liquidity to be important while
making an investment. Mostly people considered liquidity to be important but
believed it is not the single most important factor while considering an investment.
Everyone believed liquidity to be an important factor while making an investment.

Higher returns were also considered to be very important while making an

investment. Low Risk is an important factor while making investment decisions.
Everyone agreed that they are not willing to take high risk while investing there
money. Investors are giving more importance to higher return, less risk and
reputation of the company before investing in the plan. The product offered by the
company gives the fixed high return as compared to other investment option. The
product offered by the company is a flexible product. There is a tough competition
in the investment market. Maximum people usually prefers to invest in bank's FD
and RD. High Bonuses schemes attract more customers. Many people are not
aware about different investment options available in the market. Trust play an
important role while buying a product.
 RECOMMENDATIONS

1. Segmentation: Understand and categorize customers based on their specific needs and
preferences.

2. Data Analytics: Invest in robust data analytics to gather insights into customer
behavior and market trends.

3. Education and Transparency: Provide clear and comprehensive information to

educate customers about available solutions and ensure transparency in all dealings.

4. Personalization: Tailor offerings to individual customer needs and preferences for a

more personalized experience.

5. Risk Assessment: Evaluate and align solutions with customer risk profiles to build
trust and confidence.

6. Ethical Options: Consider and promote ethical investment choices, aligning with
customers' values and preferences.

7. Adaptability: Stay agile and adaptable to changing market trends, ensuring solutions
remain relevant and effective.

8. Exceptional Service: Prioritize exceptional customer service to build strong

relationships and loyalty.

9. Regulatory Compliance: Ensure all offerings comply with relevant regulations to

maintain trust and legal standing.
10. Feedback Loop: Actively seek and utilize customer feedback for continuous
improvement, refining offerings and processes.
CHAPTER 7
CONCLUSION
The summer internship project plays an important role in management education
where students get a golden opportunity to apply his knowledge and learning
gained from classroom lectures in practical business environment. I have also
learnt a lot by my Internship at The Leading Solution. This research has been done
to study consumer perspective towards various Investment sectors in The leading
solution. The people in SOLAN still prefers to invest in the bank's FD and RD.
People having knowledge about investment market invests in other investment
options also. But maximum people still prefer to invest in known investment
options like. There is high knowledge about Bank of Baroda

but people were not aware about the investment bond and there are some people
who are aware about it but they are not aware about the many benefits that comes
with the product.

People were usually impressed with the features of the product but due to
pandemic they were facing financial problems so after being interested in the
product they weren't able to purchase the
CHAPTER 8
LEARNINGS
THROUGH
INTERNSHIP
• Understanding Diverse Factors: Customers' investment decisions are
influenced by a wide range of factors, including financial goals, risk
tolerance, market trends, and the perceived value of solutions. Recognizing
this diversity is essential for businesses.
• Personalization Matters: The study underscores the importance of
personalized approaches in marketing and service delivery.
• Data-Driven Insights: Businesses should invest in data collection and
analysis tools to gain deeper insights into customer decision-making
patterns.
• Continuous Adaptation: Investment solutions and strategies should be
adaptable to changing market conditions.
• Risk Management: Understanding customers' risk tolerance is critical.
Businesses should offer a range of solutions that align with different risk
profiles to cater to a broader customer base.
• Ethical Considerations: Ethical investment choices and environmental,
social, and governance (ESG) factors are becoming increasingly important
to customers. Integrating ethical considerations into investment solutions
can be a competitive advantage.
REFERENCES /
BIBLIOGRAPHY
Books:
Security analysis & portfolio Management by Ranganatham (ISBN-
10:9788131759202, ISBN-13:978-8131759202, ASIN: 8131759202)
From The leading solution's Members investment options in India.
Articles on different Customer's views on different investment options.

Websites:
http://www/theleadingsolution.com/
http://tradebrains.in/best-sectors-for-long-term-investment-in-india/
http://www.investindia.gov.in/sectors
http://www.financialmoney.com/monev https://www.nitinbhatia.in/stocks/
https://www.reliancesmartmoney.com/stocks/
https://cleartax.in/Investments
https://www.monevcontrol.com/promo/me interstitial dfp.php?size= 1280x540
https://www.bseindia.com/https://www.equitymaster.com/
ANNEXURE
1. What is your primary source of information when considering investment options?
a) Financial Advisors
b) Online Research
c) Recommendations from Friends/Family
d) News and Media

e) Seminars/Workshops
2. When making investment decisions, which factor do you consider the MOST important?
a) Potential Return on Investment
b) Risk Tolerance
c) Investment Duration
d) Market Trends

e) Tax Implications
3. How familiar are you with different investment options?
a) Not Familiar at all
b) Slightly Familiar
c) Moderately Familiar
d) Quite Familiar

e) Very Familiar
4. What level of risk are you willing to take with your investments?
a. Very Risk Averse
b. Somewhat Risk Averse
c. Neutral
d. Somewhat Risk Tolerant
e. Very Risk Tolerant
5. Have you ever experienced significant investment gains or losses in the past?
a. Yes, significant gains
b. Yes, significant losses
c. Both gains and losses
d. No significant gains or losses
e. No investment experience
6. How do you typically gather information about potential investments?
 a. Mostly through financial advisors
b. Primarily through online research
c. Mainly through recommendations from friends/family
d. Mainly from news and media sources
e. Mainly through seminars/workshops
7. How important is ethical or socially responsible investing to you?
a. Not important at all
b. Slightly important
c. Moderately important
d. Quite important
e. Very important
8. What types of investments are you most familiar with?
a. Stocks
b. Bonds
c. Mutual Funds
d. Real Estate
e. Cryptocurrencies
9. How do external economic factors impact your investment decisions?
a. They have a significant impact
b. They have some impact
c. They have a minor impact
d. They do not impact my decisions
e. I'm not sure
10. How do you typically make your final investment decision?
a. Based solely on potential return
b. Balancing potential return and risk
c. Considering market trends and news
d. Consulting with financial advisors