EXECUTIVE SUMMARY – Sharekhan Ltd.

Student Name: Dhanishth Dhawan

Enrollment No. – 21BSP0796

Industry – Financial Services

Intern Position: Finance and Marketing

Name and Address: Share khan LTD 2E/25, Ground Floor, Jhandewalan Extension
New Delhi-110055

Project Title: “Study of Risk and Return Analysis in Stock Market”

Objectives: The Main Objective to opt for this project are: -

1) To study the risk and return associated in the stocks.
2) To understand the Individual Stock Return performance.
3) To determine whether there are any statiscally difference between mean of 3
or more independent group.

Background: Sharekhan is the largest standalone retail brokerage in the country and the
third largest in terms of customer base after ICICI Direct and HDFC Securities. Sharekhan
is one of the pioneers ofonline trading in India.

Methodology: During this Report it requires depth research, collecting data from
websites and portal. The research methodology that is used in this study is using
primary and secondary collected company’s data respectively.
1) Data source: Primary Data
Data collection: Analyzing company’s Returns and calculated Daily Returns,
Holding Period return.

2) Data source: Secondary Data

Data collection: Company’s data (Previous records) uploaded on Money
Control.com and Business Standard.com
FINDINGS
 Most of the people wants to invest in Stock Market but does not have
knowledge regarding it.

 People are very much concerned about the brokerage charged by the broking
houses.
 ICICI Direct, HDFC Securities & Sharekhan is amongst the Top 3
Stock broking houses.
 People like to invest through Sharekhan but the brokerage charges
always been limitation to them.

CONCLUSIONS

1. As market is so volatile in nature and after the pandemic as an investor, I

see changes in stock market behaviors and it has become mandatory to
manage and diversify portfolio so as to reduce the risk while maximizing
the returns.
2. Majority of the investors want to take minimum risk with average return.
SIP is always the best way to invest in mutual funds.
3. Diversification of money in stocks/industry is necessary to reduce the loss
in the market.

RECOMMENDATIONS

1) Promotions are required to market Share khan Website and App from
where investor invest or do Trading.
2) Try to reduce Brokerage cost, so that benefits can be passed on to
customers. Because the fact is, India being a price sensitive market,
customers prefer to choose monetary benefits.
LIMITATIONS
1) Small set of primary data has been taken till 17th March
2) Duration of internship with share khan is another limitation which restrict
me to gain in depth – knowledge of stock market.
3) Some respondents are unwilling to talk and they are quite annoyed with
the phone call.
 EXECUTIVE SUMMARY – ICICI Bank

Student Name: Dhanishth Dhawan

Enrolment No: 21BSP0796

Industry: Banking Industry

Intern Position: Research Intern

Name and Address: These are the branches which I covered during my SIP internship
with ICICI Bank.

 ICICI Tower, NBCC Place, Bisham Pitamah Marg, Pragati Vihar, New Delhi, New
Delhi, Delhi, 110003
 ICICI Bank Ltd, C-82, Malviya Nagar, Delhi, New Delhi, Delhi, 110017
 ICICI Bank Ltd, E30, Saket, New Delhi, New Delhi, Delhi, 110017
 ICICI Bank Ltd, M- Block, Saket, New Delhi, New Delhi, Delhi, 110017
 ICICI Bank Ltd, A 34, Lajpat Nagar, New Delhi, New Delhi, Delhi, 110024

Department: Retail Banking Group - Wealth Management, Operations Team

Project Title: “Analyze the offus client base for the investments and develop strategies to
onboard them”

Objectives: The Main Objective for this project are: -

1) To understand the products offered by ICICI

2) To Analyze the Weakness in terms of Product, Price, Process, People.
3) To develop strategies for ICICI to onboard the offus clients.

Background: ICICI Bank is a leading private sector bank in India. The Bank’s
consolidated total assets stood at Rs. 14.76 trillion, ICICI Bank currently has a network of
5,418 branches and 13,540 ATMs across India. CICI Bank was originally promoted in 1994
by ICICI Limited. ICICI Bank offers a wide range of banking products and financial services
to corporate and retail customers through a variety of delivery channels and through its group
companies.

Methodology: During this Report it requires depth research, collecting data. The research
methodology that is used in this study is primary and secondary data of company’s data
respectively.
 1) Data source: Primary Data
Data collection: Analyzing company’s offus Data Base and develop strategies to onboard
them. The main tool to gather information through primary data was investigation and
observation and was achieved by a direct approach and observation from the officials of the
company.

2) Data source: Secondary Data

Data collection: Company’s data (Previous records) in terms of the feedback from client
and also received some data of customer preference by the product specialist and RM’s of
ICICI Bank.

Findings & Conclusion

On the basis of the analysis done during my tenure of internship in ICICI Bank. I would like
to conclude my report with the findings below:
 ICICI is targeting to HNI clients.
 The analysis of Data of investment decision reveals that fixed deposit still remains to
be the most preferred option of the wealth creation in all age groups because the
money is safe and there is no chance that the amount of money will be reduced in this
deposit.
 When it comes to the choice whether to invest money or to save money in the current
scenario the younger age group from (18 -25) years and (25-35) years tends to invest
more innumber as compared to the upper age group (35 -45) years and (45-55) years.

 This can be assumed that this group of individuals from lower age group are more
inclined towards risk-taking to raise their money at a faster rate and are considering
high return at high risk. While older people tend to save money as they are not very
risk oriented, they avoid losing money while investing and saving it for future needs.

 Measured Gl Size of Branches that I had visited.

Source – Primary Data (by author)

Branches CASA RTGS/NEFT Footfall Service Time

Sundarnagar 1 CA, 1 SA 5 50 5 – 10 Min
Saket 3 CA, 2 SA 10 150 10 -15 Min
Malviyanagr 1 CASA 3-5 70 12 -18 Min
Key learnings

Having a keen interest in analytics and marketing, I got an internship opportunity at ICICI
Bank as a research Intern where I have to develop strategies for the company. At the
organization I was supposed to work in Wealth Management and Analyse the offus client
base and strategies to onboard them. It has been an amazing journey and I have found the
following key learnings and limitations as we move towards the end of this internship.

 ICICI Bank offus are with their competitors such as Fintech Company like Paytm
Money and some of the offus is with Competitor Bank.
 One of the key learning is that when you visit for client meet for any products try to
generate the need and pitch the product/services to the client.

Limitations

1. 2 months in ICICI Bank is not sufficient to gather information in terms of learning

because the Banking Industry is so vast.
2. Shifting of Branches is another limitation as I got the opportunity to meet new people
every day but I feel that my learnings also suffer to understand the whole process
when visited the new branch.
3. Limited knowledge of bank and their products and services offered by them make
difficult for me to understand the Banking Technical Words.

Special Achievements
1. During my SIP with ICICI Bank, I got an opportunity to go on HNI client meet with
product Specialist and RM’S. This opportunity helps me to get clear picture how to carry
yourself and most importantly how much knowledge you should have when you meet with
HNI client.

Source- primary data (by author)

2. On 16th May I received a performance-based Stipend from the ICICI Bank.