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Serial No. Topics Page No.
1. Certificate by the Organization 3
2. Certificate by the Faculty guide 4
3. Preface 5
4. Acknowledgeent !
5. Ob"ecti#e of $raining %
!. &'ecuti#e (uary )
%. (co*e of the (tudy +
). ,eliance A-A rou* 1/
+. Profile Of the Co*any 11012
1/. uine O#er#iew 13014
11. oard of -irector 1501!12. Partner of the Co*any 1%01)
13. Product of the Co*any 1+
14. ,eliance ife nurance 2/02!
14.1 nurance Plan 2%03!
15. ,eliance -eat Account 3%043
1!. ,eliance utual Fund 44054
1%. ,eliance eneral nurance 5505+
1). arket Analyi !/0!4
1+. ,ecoendation !5
2/. ibliogra*hy !!
21. Concluion !%
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Frankly *eaking6 any "ob or the tak6 ha#e the *ecific ob"ecti#e i.e. what i need and
what i the re7uireent of the *articular work. n the ae way y ob"ecti#e i alo to
learn oething fro the uer internhi* *rogra . t ean that the training *rogra
in any re*uted co*any gi#e the arket knowledge of it ub"ect atter of tudy.
$he right choice of the co*any in which a tudent ha to do the training i alo the *art
of the learning and what he8he want to learn in the uer training.
n the hort *an ince the inurance ector wa o*ened u*6 any co*anie ha#eliterally dictated the arket9 e#olution. Catering to all age and incoe egent6 the
co*any tated out with the traditional inurance *olicie that were eay to undertand6
the idea wa to entice cutoer ued to C9 tyle of functioning.
,eliance oney began e'*loring new area: it introduced odern *roduct6 like ;nit0
linked Product where return are linked to the arket *erforance of the underlying
aet.
,eliance oney lead and #irtually all *araeter: ize of agent force6 nuber of *olicie
old6 total u6 total u aured6 *reiu incoe and *roducti#ity of agent it ha et
e'acting tandard for it range of *roduct6 rider offered6 7uality of inforation in
*rootional aterial and e#en in the inurance awarene e#ent organized.
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$hi *ro"ect ha been a great learning e'*erience for e6 at the ae tie it ga#e e
enough co*e to i*leent y analytical ability.
$he firt *art gi#e an inight about the -eat Account6 ife nurance6 eneral
nurance and utual fund and their #ariou a*ect. t i *urely baed on whate#er
learned at ,eliance oney. One can ha#e a brief knowledge about utual fund and all
it baic through the *ro"ect. Other than that the real er#ing coe when one o#e
ahead. (oe of the ot intereting 7uetion regarding thee *roduct ha#e been
co#ered. (oe of the are>
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$he co*e of the tudy refer to the "ob that to know about the acti#itie of the
organization. $he tudy ean that the analyi of the *roduct of the co*any on which
he8he ha to focu.
-uring the uer training the #olunteer need to find out the cor*orate trategie of the
running co*any and the ile tone which the co*any ha co#ered during it "ourney.
n the uer training6 it i neceary for the tudent that he 8he in#ol#e with the
e'*erience guy to get the knowledge about the co*any. $hat i how the co*any ha
got the ucce6 Or if it i going in the lo6 why.
n y training *eriod ha#e found that the reliance grou* i the bigget grou* in ndian
co*anie. felt that can learn the ore in the ,eliance ife nurance iited.
,eliance ife nurance iited i the *art of the ,eliance Ca*ital iited which i a
growing co*any in the financial *roduct.
,eliance Anil -hirubhai Abani grou* i alo deal in counication6 energy6 naturalreource6 edia6 and entertainent6 healthcare and infratructure.
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Reliance moneyi a *art of the reliance Anil -hirubai Abani rou* and i *rooted
by ,eliance ca*ital6 the fatet growing *ri#ate ector financial er#ice co*any in
ndia6 ranked aongt the to* 3 *ri#ate ector financial co*anie in ter of net worth.
,eliance oney i a co*reheni#e financial olution *ro#ider that enable you to carry
out trading and in#etent acti#itie in a ecure6 cot0effecti#e and con#enient anner.
$hrough reliance oney6 you can in#et in a wide range of aet clae fro &7uity6
&7uity and coodity -eri#ati#e6 utual Fund6 inurance *roduct6 PO9 to a#ailing
er#ice of oney $ranfer = oney changing.
,eliance oney offer the con#enience of on0line and offline tranaction through a
#ariety of ean6 including it Portal6 Call = $ranact6 $ranaction iok and at it9
network of affiliate.
(oe key te* of the co*any that are aB..
Success is a journey, not a destination. f we look
for e'a*le to *ro#e thi 7uote then we can find any but there i none like that of
,eliance oney. $he co*any which i today known a the larget financial er#ice
*ro#ider of ndia.
Reliance Capital
Reliance
Life Insurance
Reliance
General Insurance
Reliance
Money
RelianceConsumer
Finance
RelianceMutual fundMutual Fund
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Success sutras of Reliance Money:$he ucce tory of the co*any i dri#en by ) ucce utra ado*ted by it naely
trust, integrity, dedication, commitment,
enterprise, hard work and team play, learning
and innovation, empathy and humility.$hee are the
#alue that bind ucce with ,eliance oney.
Vision of Reliance Money$o achie#e = utain arket leaderhi*6 ,eliance oney hall ai for co*lete cutoer
atifaction6 by cobining it huan and technological reource6 to *ro#ide world cla
7uality er#ice. n the *roce ,eliance oney hall tri#e to eet and e'ceed
cutoer atifaction and et indutry tandard.
Mission statement:
Our mission is to be a leading and preferred
service provider to our customers, and we aim
to achieve this leadership position by building
an innovative, enterprising , and technology
driven organization which will set the highest
standards of service and business ethics.
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,eliance Ca*ital ha interet in aet anageent and utual fund6 life and general
inurance6 *ri#ate e7uity and *ro*rietary in#etent6 tock broking6 de*oitory er#ice6
ditribution of financial *roduct6 conuer finance and other acti#itie in financial
er#ice.
,eliance utual Fund i ndia no.1 utual Fund. ,eliance ife nurance i ndia
fatet growing life inurance co*any and aong the to* 4 *ri#ate ector inurer.
,eliance eneral nurance i ndia fatet growing general inurance co*any and the
to* 3 *ri#ate ector inurer. Reliance Moneyi the larget brokerage and ditributor of
financial *roduct in ndia with ore than 2.5 illion cutoer and the larget
ditribution network. ,eliance Conuer finance ha a loan book of o#er ,. )6///
crore at the end of Dune 2//).
,eliance Ca*ital ha a net worth of ,.!6 )!2 crore E;( 1.! billionG and total aet of
,. 1+6+4/ crore E;( 4.! billionG a of Dune 3/6 2//) and o#er 2!6/// e*loyee.
oney ha increaed it arket hare aong *ri#ate financial co*anie to nearly
Con#enient = effecti#e H Anytie = anywhere financial tranaction ca*ability. aunched
in A*ril 2//%. t *ro#ide the Flat fee yte. t ha 2.2 illion cutoer in 1 year of
official launch. t ha o#er 56/// outlet acro %// town8citie. A#erage daily turno#er H
in e'ce of , 26/// crore.
Conidering the entire life arket6 including the ,. 126)+/ crore booked by life
inurance Cor*oration6 ,eliance life inurance arket hare work out to around !.25I.
$he life inurance arket continuou to be doinated by C which ha about !%I hare
thi only a arginal di* fro it %3I hare in end0Duly. $hee co*arion are only for
firt year or new buine *reiu.
$he ga* between ,eliance life inurance and the econd0in0line *ri#ate inurer i #at. n
fact6 thi cenario ha led oe analyt to wonder if the co*any i not a trifle too
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aggrei#e. ut other ay thi ha ore to do with the co*anie9 cutoer0centric
focu6 it *an0ndia *reence and u*erior rik anageent and in#etent trategie.
,eliance oney i not6 howe#er6 reting on it laurel.
Co*any9 cutoer centric a**roach will be tudied during the training *eriod and the
finding of the reearch work will definitely focu on the *reent condition = future
re7uireent Eif anyG relating to *roduct of co*any.
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Anil Dhirubhai Ambani - Chairman
,egarded a one of the foreot cor*orate leader of conte*orary ndia6 (hri Anil -
Abani6 5/6 i the chairan of all lited co*anie of the ,eliance A-A rou*6 naely6
,eliance Counication6 ,eliance Ca*ital6 ,eliance &nergy6 ,eliance Jatural
,eource and ,eliance Power. @e i alo Chairan of the oard of o#ernor of
-hirubhai Abani ntitute of nforation and Counication $echnology6 andhi
Jagar6 u"arat. $ill recently6 he alo held the *ot of Kice Chairan and anaging
-irector in ,eliance ndutrie iited E,G6 ndia larget *ri#ate ector enter*rie .
Anil - Abani "oined ,eliance in 1+)3 a Co0Chief &'ecuti#e Officer6 and wa centrally
in#ol#ed in e#ery a*ect of the co*any anageent o#er the ne't 22 year. @e i
credited with ha#ing *ioneered a nuber of *ath0breaking financial inno#ation in the
ndian ca*ital arket. @e *earheaded the country firt foray into the o#erea ca*ital
arket with international *ublic offering of global de*oitary recei*t6 con#ertible and
bond. (tarting in 1++16 he directed ,eliance ndutrie in it effort to raie o#er ;( 2
billion. @e alo teered the 1//0year Lankee bond iue for the co*any in Danuary 1++%.
Amitabh Jhunjhunwala - Vice-Chairman
(hri Aitabhabh Dhun"hunwala6 516 i a Fellow Chartered Accountant. @e ha #at
e'*erience in the area of financial er#ice and ca*ital arket. (hri Dhun"hunwala wa
a**ointed to the oard on arch %6 2//3 and wa a**ointed Kice Chairan on arch
2/6 2//!. @e i a -irector on the oard of @arony Art Foundation and ,eliance Anil
-hirubhai Abani rou* P#t. td.
Rajendra Chitale - Independent Director
(hri ,a"endra P. Chitale6 4!6 an einent Chartered Accountant6 i the anaging Partner
of 8 . P. Chitale = Aociate. @e i a -irector on board of the Jational (ecuritie
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Clearing Cor*oration iited6 Aet ,econtruction Co*any EndiaG td6 @indu"a $$
iited6 @$$ lobal (olution td6 Abu"a Ceent iited6 (& ,ating Agency of
ndia iited6 han ,eal &tate PC and ,eliance eneral nurance Co*any td. @e
i alo a eber of the ad#iory board of the nurance and ,egulatory Authority of
ndia E,-AG. @e ha alo er#ed on the board of ife nurance Cor*oration of ndia6
;nit $rut of ndia6 ( Ca*ital arket td.6 Jational (tock &'change of ndia td. and
(all ndutrie -e#elo*ent ank of ndia.
Shri C. P. Jain
(hri C.P. Dain6 !16 i the forer Chairan and anaging -irector of J$PC td.
EJational $heral Power Cor*orationG. (hri Dain ha an illutriou career *anning o#er
four decade of contribution in the field of financial anageent6 general anageent6
trategic anageent and buine leaderhi*. @e i a fellow eber of the ntitute of
Chartered Accountant of ndia with an ad#anced di*loa in anageent and i a law
graduate. (hri C. P. Dain "oined the oard of J$PC in 1++3 a -irector EFinanceG6 wa
ele#ated a Chairan = anaging -irector in (e*teber 2/// and u*erannuated in
arch 2//!. @e i Chairan of the lobal (tudie Coittee of
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Reliance Life Insurance
Demat Account Services
Reliance Mutual un!s
Reliance "eneral Insurance
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%ype! o# "i#e In!urance Policie!
ot nurance *olicie are a cobination of (a#ing = Protection.
Product are forulated by either increaing or decreaing either one of thee
co*onent.
$hee cobination can be broadly di#ided into 4 grou*
0 ;P
0 $er nurance
0 &ndowent Policie >
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Nee! Analysis in life Stages
A"# STAT$S INS$RAN%#
N##DS
S$""#ST#D
PR&D$%TS
1)yr 0 25yr ;narried
,.o on a holiday2.uy a new Car3.(et u* a new houe4.(et u* nterior5.uy "ewellery
(hort $er&ndowentProduct
25yr 03/yr arried
,.@igh -ebt6 highe'*enditure Phae2.Faily de*endencyon your incoe3.ow accuulatedwealth4.Jeed for Planning,e7uireent
$e*orary ter orwhole life Product
3/yr 0 45yr aturedcou*le
,.,etireentPlanning2.
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Life Stage Example
Hello, I am Philip, sailor.Hello, I am Philip, sailor.Have seen the world.Have seen the world.
Always on cruise and keepAlways on cruise and keepworrying about family andworrying about family andthe loans. I need nancialthe loans. I need nancialProtection if I do not returnProtection if I do not return
from one voyagefrom one voyage
!avera has "ust!avera has "ustcome to our lives. Ascome to our lives. As
proud parents, #eproud parents, #eneed to protect herneed to protect heras well as create heras well as create herown nancialown nancialstandingstanding
#orked for almost#orked for almost$% years, now want$% years, now wantto liveto live&&. I want. I want
something that willsomething that willmake my life 'hinta(make my life 'hinta(free afterfree afterretirementretirement&&..
)ndowment
Term
Annuitie
s
1+
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Pro!ucts of Life Insurance
ife nurance *roduct are uually referred to a M*lan9 of inurance. $hee *lan ha#e
two baic eleent: one i the N-eath Co#er *ro#iding for the benefit being *aid on the
death of the inured *eron within a *ecified *eriod. $he other i the N(ur#i#al enefit
*ro#iding for the benefit being *aid on ur#i#al of a *ecified *eriod.
Plan of inurance that *ro#ide only death co#er are called N$er Aurance
Plan.
Plan of inurance that *ro#ide only ur#i#al benefit are called NPure
&ndowent Plan.
%erm "i#e In!urance
$er ife nurance *ro#ide *rotection for a *ecified *eriod of tie. A death benefit i
*aid to the beneficiary if the inured die within a *ecified *eriod of tie while the
*olicy i till in force.
hole "i#e In!urance
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Solution! #or Indiidual! - RI
$aking tie out fro your daily chedule to *lan your future i a neceary tak. Lou
could do with oe hel*6 but who can hel* you? ,eliance ife nurance i here with
(olution for ndi#idual6 a erie of *lan that will hel* you ake wie in#etent6
*rotect your faily6 ecure your child9 future and e#en chalk out a *lan for your
retireent.
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Protection Plan!
Protect your faily e#en when you9re not around by in#eting in ,eliance Protection
Plan. Chooe a liited *eriod *lan or a lifetie *rotection *lan de*ending on your
need. $he latet Protection Plan are a belowB
1. ,eliance $er *lan
2. ,eliance (i*le $er *lan
3. ,eliance (*ecial $er *lan
4. ,eliance Credit uardian *lan
5. ,eliance (*ecial Credit uardian *lan
!. ,eliance &ndowent *lan
%. ,eliance (*ecial &ndowent *lan
). ,el iance Connect 2 ife *lan
+. ,eliance
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. ,eliance &ndowent *lan
/. ,eliance (*ecial &ndowent *lan
0. ,eliance
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Mar1et Return Plan
;nder $hi *lan the in#etent rik in the in#etent *ortfolio i borne by the
*olicyholder.
1ey #eature!
$win benefit of arket linked return and inurance *rotection
A unit linked *lan6 different fro traditional life inurance *roduct with
a'iu aturity age of )/ year.
O*tion to create your own *ortfolio de*ending on your rik a**etite.
Chooe fro four different in#etent fund
Fle'ibility to witch between fund
O*tion to *ay regular a well a ingle *reiu = to*0 u*
O*tion to *ackage your *olicy with accidental rider
Fle'ibility to increae the u aured
i7uidity through *artial withdrawal
2ow doe! thi! plan wor1
$he *reiu *aid by the client net of *reiu allocation charge i in#eted infund8fund of your choice and unit are allocated de*ending on the *rice of unit for
the fund8fund. $he fund #alue i the total #alue of unit that you hold in the
fund8fund. $he ortality charge and *olicy adinitration charge are ducted
through cancellation of unit wherea the fund anageent charge i *riced in the
unit #alue.
3ene#it!
ife co#er Aured> in cae of unfortunate lo of life6 the beneficiary will get u
aured or fund #alue6 whiche#er i higher. $he client can chooe the baic u
aured within the iniu and a'iu le#el entioned below.
Minimum !um A!!ured>
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,egular *reiu> annualized *reiu for 5 year or annualized *reiu for
half the *olicy ter6 whiche#er i higher.
(ingle *reiu> 125I of the ingle *reiu.
Ma4imum !um A!!ured Jo liit E5//// for age u* to 12 yearG
Maturity 3ene#it!
On ur#i#al to aturity the fund #alue on aturity will be *aid out.
Rider 3ene#it!
$he Client can add the Accidental -eath = $otal and Peranent -iableent enefit
,ider Ea#ailable only with the regular *reiu o*tionG.
$hi benefit double the life co#erage in cae of accidental death or accidental total and*eranent diableent at a #ery noinal additional cot. $he a'iu co#er i ,. 5/6
//6/// *er life.
n cae of accidental death of the life aured during the *olicy ter6 the accident benefit
u aured will be *aid iediately in a lu* u.
n cae of accidental total and *eranent diableent6 181/ thof the accident benefit u
aured will be *aid at the end of each year for ten year. f the total and *eranent
diableent ha coenced6 the accidental death benefit co#er ceae.
n cae of aturity or on death of the life aured before *ayent of all intallent of
accidental total and *eranent diableent benefit6 the reaining un*aid intallent of
any will be *aid in one lu* u along with death or aturity benefit.
Accidental total and *eranent diableent ean diability caued by bodily in"ury6
which caue *eranent inability to *erfor any occu*ation or to engage in any acti#itie
for reuneration or *rofit. $hi diability hould lat for at leat ! onth before being
eligible for accidental total and *eranent diableent benefit.
Accidental total and *eranent diableent include lo of both ar and both leg or
one ar and one leg or of both eye. o of ar or leg ean dieberent by
a*utation of the entire hand or foot. o of eye ean entire and irreco#erable lo of
ight.
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hat are the di##erent #und option!.
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ecuritie while a all *ercentage i in#eted in the e7uity arket6 which e'*oed to
arket o#eent. $he rik *rofile of thi fund i ediu to high.
n#etent would be at leat !/I in fi'ed interet ecuritie and a'iu 4/I in
e7uitie.
9. ':uity 6und5
$he in#etent ob"ecti#e of thi fund i to *ro#ide *olicyholder with high e'*oure to
e7uitie and the *oibility of in#etent return6 which generate a high real rate of return
in the long ter while recognizing that there i a ignificant *robability of negati#e
in#etent return in the hort ter. $hi fund offer a totally e7uity baed in#etent
o*tion. Lour return de*end entirely u*on the *erforance of the e7uity arket. $he rik
*rofile of thi fund i high. $he higher rik of thi *ortfolio ean that e'*ected return
would alo be higher.
n#etent would not e'ceed 3/I in bank de*oit and ay be u* to 1//I in e7uitie.
Value o# )nit!5
$he arket #alue of aet *lu8le e'*ene incurred
n the *urchae8ale of aet *lu current aet *lu
Any accrued incoe net of fund anageent charge
e current liabilitie le *ro#iion
$nit Value ;
$otal nuber of unit on iue Ebefore any new unit
are allocated8redeeed.G
2%
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ho can 3uy the product
hat i! the policy term
iniu *olicy ter 5 year
a'iu *olicy ter 4/ year
6le4ible premium payment mode!5
Choose from five premium payment modes.
aG Annual H iniu *reiu i ,. 1/6///.
bG @alf H yearly H iniu *reiu i ,. 56///.
cG Quarterly H iniu *reiu i ,. 265//.
dG onthly H iniu *reiu i ,. 16///.
eG (ingle *reiu H iniu *reiu i ,. 256///.
Char/e! under the plan5
,. Premium allocation char/e
For regular *reiu *olicie>
$er of the *olicy a below
Lear 50+ 1/ 0 14 15Firt year 1/I 15I 2/I
$hereafter 5I 5I 5I
E$he *reiu allocation charge for ingle *reiu = to* H u* i 2I.G
iniu age at entry 3/ day
a'iu age at entry !5 year
a'iu age at aturity )/ year
2)
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7. Policy Admini!tration char/e!5
,. 4/ will be deducted fro your unit account each onth.
8. 6und Mana/ement Char/e!5
E$he fund anageent charge will be deducted on a daily bai.G
2+
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1 5/I
2 2/I
3 and ore J
?. Serice %a4 Char/e$hi charge will be le#ied on ortality6 accident = diability benefit charge. $he le#el of
thi charge will be a *er the rate of er#ice ta' on rik *reiu le#ied by the
go#ernent fro tie to tie the correct rate of er#ice ta' i 12.3!I thi charge hall
be collected along with charge.
2ow !a#e i! your ine!tment
$he in#etent ade in the unit fund are ub"ect to in#etent rik aociated
with ca*ital arket and the JAK of the unit ay go u* or down baed on the
*erforance of the fund and the factor influencing the ca*ital arket6 and the
inured i re*onible for hi8her deciion.
$he unit *rice i a reflection of the financial and e7uity8debt arket condition
and can increae or decreae at any tie due to thi.
enefit *ayable under the *olicy will be ade according o the ta' law and other
regulation in force at that tie.
$here are no guarantee for any fund of any kind under thi *olicy. $he benefit
*ayable on aturity will be e7ual to the #alue of your unit.
$he nae in the fund in n way indicate the return deri#ed fro the.
Pleae note that ,eliance life nurance co*any liited i only the nae of the
inurance co*any and ,eliance arket return *lan i only the nae of the unit
linked life inurance *olicy and doe not in anyway indicate the 7uality of the
*olicy or it future *ro*ect or return
6ree "oo1 Period.
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n cae the *olicyholder diagree with any of the ter and condition of the *olicy6 he
ay return the *olicy to the co*any within 15 day of it recei*t for cancellation6
tating hi8her ob"ection in which cae the co*any will refund an aount e7ual to the
non allocated *reiu *lu the charge le#ied by cancellation of unit *lu fund #alue a
on the date of recei*t of the re7uet in writing for cancellation6 le the *ro*ortionate
*reiu for the *eriod the co*any ha been on rik and the e'*ene incurred by the
co*any edical e'aination and ta* duty charge. f the rik acce*tance date fall
within cooling off *eriod6 then on cancellation ,C hall *ay fund #alue le of charge.
&vervie4 of Demat Account.
n ndia6 a Demat account6 the abbre#iation for demateriali@ed account6 i a ty*e of
banking account which deaterialize *a*er0baed *hyical tock hare. $he
deaterialized account i ued to a#oid holding *hyical hare> the hare are bought
and old through a tock broker.
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$hi account i *o*ular in ndia. $he (ecuritie and &'change oard of ndia E(&G
andate a deat account for hare trading abo#e 5// hare. A of A*ril 2//!6 it
becae andatory that any *eron holding a deat account hould *oe a Peranent
Account Juber EPAJG6 and the deadline for ubiion of PAJ detail to the
de*oitory la*ed on Danuary 2//%.
Proce!ure
,.Fill deat re7uet for E-,FG Eobtained fro a de*oitory *artici*ant or -P with
who your de*oitory account i o*enedG.
7.-eface the hare certificateEG you want to deaterialize by writing acro (urrendered
for deaterialization.8.(ubit the -,F = hare certificateEG to -P. -P would forward the to the iuer 8
their ,=$ Agent.
9.After deaterialization6 your de*oitory account with your -P would be credited with
the deaterialized ecuritie.
Reliance Money Demat Account Services
Reliance Money 5 Transacting an! investing simplifie!.
et ready to change the way you tranact and in#et in financial *roduct and er#ice.
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It7s cost effective
Lou *ay co*arati#ely lower tranaction fee. A an introductory offer6 we in#ite you to
*ay a flat fee of "ut ,. 5//80 and %5/80 and tranact through reliance oney. $hi fee i
#alid for two onth or a *ecified tranaction #alue
(ee the table below for detail.
Its offers single 5 4in!o4 access
$hrough reliance oney9 aociate6 you can tranact in e7uity6 e7uity and cooditie
deri#ati#e6 offhore in#etent utual fund6 PO9 life inurance6 general inurance6
oney tranfer6 oney changing and credit card6 aongt other.
Its convenient
Lou can acce reliance oney9 er#ice through
$he internet
$ranaction kiok
$he *hone Ecall = tranactG
Our all H ndia network of aociate
On an aited trade Ethrough the call centre or our network of aociateG a charge of ,
12 *er e'ecuted trade will be a**licable.
34
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Its SafeLour account i afeguarded with a uni7ue ecurity nuber that change e#ery 32
econd. $hi nuber work a a dynaic *aword to kee* your account e'tra afe.
Its provi!es you a !emat accountLou get your own deat account with reliance ca*ital at an annual fee of "ut ,. 5/80.
Its provi!es you a )8in8' facility.Lou can acce your banking6 trading and deat account through a ingle window and
tranfer fund acro account ealely.
It provi!e you value8 a!!e! servicesAt www.relianceoney.co6 you get
,eliable reearch6 including #iew of e'ternal e'*ert with an en#iable track
record
i#e new u*date fro ,euter and -ow Done
C&O9 8 e'*ert #iew on the econoy and financial arket
$ool that hel* you *lan your in#etent6 ta'6 retireent6 etc. in the *eronal
finance ection
,ik Analyzer for analyi of your rik *rofile
Aet allocator to build an a**ro*riate in#etent *ortfolio
35
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nno#ati#e ue of technology for facilitating con#enient trading8in#etent H
1io!1! !imilar to A%M*!B
,eliance oney Pro#ide the kiok Eiilar to A$9G Facilitie6 to their cutoer
through which the cutoer can trade on a#ailable kiok at the *articular ranch of
,eliance oney. $he co*any i going to o*en thee kiok in the arket a the A$9
of the ank.
,eliance oney *ro#ide 3 different trading *latfor for e7uity trading>
Insta Tra!e
ast Tra!e
#asy tra!e
T3e 2enefits
3!
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A afe and con#enient way to hold ecuritie:
ediate tranfer of ecuritie:
Jo ta* duty on tranfer of ecuritie:
&liination of rik aociated with *hyical certificate uch a bad deli#ery6
fake ecuritie6 delay6 theft etc.:
,eduction in *a*erwork in#ol#ed in tranfer of ecuritie:
,eduction in tranaction cot:
Jo odd lot *roble6 e#en one hare can be old:
Joination facility:
Change in addre recorded with -P get regitered with all co*anie in which
in#etor hold ecuritie electronically eliinating the need to corre*ond with
each of the e*arately:
$raniion of ecuritie i done by -P eliinating corre*ondence with
co*anie:
Autoatic credit into deat account of hare6 ariing out of
bonu8*lit8conolidation8erger etc.
@olding in#etent in e7uity and debt intruent in a ingle account.
3%
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Re9uire! Documents
$he e'tent of docuentation re7uired to o*en a deat account ay #ary according to
your relationhi* with the intitution. f you *lan to o*en a deat account with a bank6 a
a#ing6 current and6 or other account for which the holder ha#e been iued a check
book6 uch holder ha an edge o#er the non0account holder. n fact6 bank uually offer
additional incenti#e to cutoer who o*en a deat account with the. Along with the
a**lication for6 your *hotogra*h Ewith co0a**licantG and *roof of
identity8reidence8date of birth ha#e to be ubitted. $he -P alo ak for a -P0client
agreeent to be e'ecuted on non0"udicial ta* *a*er. @ere i a broad lit>
A canceled check6 *referably C,
Proof of dentification
Proof of Addre
Proof of Pan card EandatoryG
,ecent *hotogra*h6 one and6 or ore
For *roof of identification and6 or addre elf0atteted faciile co*ie of PAJ card6
Koter9 -6 Pa*ort6 ,ation card6 -ri#er9 licene6 Photo credit card6 &*loyee - card6
ank attetation6 latet $ return and6 or latet &lectricity8andline *hone bill are
ufficient.
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3. -eaterialization i norally co*leted within 15 day after the hare
certificate ha#e reached the iuer8 their ,=$ Agent. $hu it ay take you a
onth fro the date you hand o#er hare6 to recei#e deat credit.
4. -eaterialization would be done only when the iuer 8 their ,=$ Agent i
atified of genuinene of ecuritie = ownerhi* tatu.
5. All the "oint holder hould ign the -,F.
!. $he *attern of holding in the -,F hould atch the *attern of holding on the
hare certificate = the *attern in which account i o*ened.
%. -eat re7uet with naeEG not atching e'actly with the naeEG a**earing on
the certificate erely on account of initial not being *elt out fully or *ut after
or *rior to the urnae6 would be *roceed6 *ro#ided the ignatureEG of the
clientEG on the -,F tallie with the *ecien ignatureEG a#ailable with the
iuer8 their , = $ agent.
). f the ignature in the -,F doe not atch with the ignature a#ailable with the
iuer8 their , = $ agent6 the iuer8 their , = $ agent ay at the tie of deat
confiration6 ak for additional docuentation Elike bank attetation8 notariation6
etc.G to *ro#e that the certificate belong to the *eron who forwarded the -,F.
+. n cae there i any *roble in *roceing the -,F6 contact your -P and if he
cannot reol#e the *roble you ay contact J(-.
3+
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T3e %oncept of Mutual un!
A utual fund i a coon *ool of oney into which in#etor *lace their contribution
that are to be in#eted in accordance with a tated ob"ecti#e. $he ownerhi* of the fund i
thu M"oint9 and Mutual9: the fund belong to all in#etor
Reliance Mutual un!
,eliance utual Fund E,FG6 a *art of the ,eliance 0 Anil -hirubhai Abani rou*6 i
ndia leading utual Fund6 with a#erage Aet under anageent of ,. +/6)13
crore for the onth of Dune 2//)6 and an in#etor bae of o#er !.% illion. ,eliance
utual Fund offer in#etor a well rounded *ortfolio of *roduct to eet #arying
in#etor re7uireent. ,eliance utual Fund ha a *reence in 3// citie acro the
country and contantly endea#or to launch inno#ati#e *roduct and cutoer er#ice
initiati#e to increae #alue to in#etor. ,eliance utual Fund chee are anaged by
,eliance Ca*ital Aet anageent td.6 a wholly owned ubidiary of ,eliance Ca*ital
td.
4/
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Types of Mutual un!s on t3e 6asis of Ris- Vs Returns
re9uently use! term in Mutual un!s
"ector Funds
41
Ris#
Money Mar#et Funds
Floaters
Income Funds
Gilt Funds
MI$s
%alanced Funds
&i!ersified '(uity
FundsReturns
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et A!!et Value AVB
Jet Aet Kalue i the arket #alue of the aet of the chee inu it liabilitie. $he
*er unit JAK i the net aet #alue of the chee di#ided by the nuber of unit
outtanding on the Kaluation -ate.
Sale Price
the *rice you *ay when you in#et in a chee. Alo called Offer Price. t ay include
a ale load.
Repurcha!e Price
the *rice at which a cloe0ended chee re*urchae it unit and it ay include a
back0end load. $hi i alo called id Price
Redemption Price
the *rice at which o*en0ended chee re*urchae their unit and cloe0ended chee
redee their unit on aturity? (uch *rice are JAK related.
Sale! "oad
a charge collected by a chee when it ell the unit. Alo called6 MFront0end9 load.
(chee that do not charge a load are called MJo oad9 chee
Repurcha!e or 3ac1-end* "oad
a charge collected by a chee when it buy back the unit fro the unit holder.
Types of Reliance Mutual un!s
1. ,eliance rowth Fund
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2. ,eliance Kiion Fund
3. ,eliance anking Fund
*. Reliance Diversifie! Po4er Sector un!
5. ,eliance Phara Fund
!. ,eliance edia = &ntertainent Fund
%. ,eliance J, &7uity Fund
). ,eliance &7uity o**ortunitie Fund
+. ,eliance nde' Fund
1/. ,eliance $a' (a#er E&((G Fund
11. ,eliance &7uity Fund
12. ,eliance ong $er &7uity Fund
13. ,eliance ,egular (a#ing Fund
T3e -ey term in mutual fun!s
Divi!en! Policy:-i#idend will be ditributed fro the a#ailable ditributable ur*lu
after the deduction of the di#ided ditribution ur*lu after the deduction of the di#idend
ditribution ta' and the a**licable urcharge6 if any. $he utual fund i not guaranteeing
or auring any di#idend. Peae read the offer docuent for detail. Further *ayent of
all the di#idend hall be in co*liance with (& circular Jo. (&8-8C, Jo.
18!4/5%8/! dated 4848/!.
Applica2le NAV 5 (ale of unit by reliance utual fund> in re*ect of #alid
a**lication recei#ed u* to 3 *.. by the utual fund alongwith a local che7ue or a
deand draft *ayable at *ar at the *lace where the a**lication i
recei#ed6 the cloing JAK of the day on which a**lication i recei#ed hall be a**licable.
Repurc3ase inclu!ing S4itc38out:in re*ect of #alid a**lication recei#ed u*to 3
* by the utual fund6 ae day9 cloing JAK hall be a**licable. n re*ect of #alid
a**lication recei#ed after 3 *.. by the utual fund6 the cloing JAK of the ne't
buine day hall be a**licable.
43
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Daily net Asset ValueNAV; pu2lication: the JAK will be declared on all
working day and will be *ublihed in 2 new*a*er. JAK can alo be #iewed on
www.relianceutualfund.coandwww.afiindia.co.
Ta< 6enefits to t3e mutual fun!: ,eliance utual Fund i a utual fundregitered with the ecuritie = e'change board of ndia and hence the entire incoe of
the utual fund will be e'e*t fro incoe ta' in accordance with the *ro#iion of
ection 1/E23-G of the incoe ta' act6 1+!1. $he utual fund will recei#e all incoe
without any deduction of ta' at ource under the *ro#iion of ection 1+!Ei#G of the act.
An e'e*tion ha been granted under the finance EJo.2G act6 2//4 to o*en ended e7uity
oriented utual fund fro *aying ditribution ta' on incoe ditributed without any
tie liit6 effecti#e fro 1 A*ril 2//4.
Securitie! tran!action %a4:
Jae of $ranaction Payable by ,ate of $a'Purchae and ale of e7uityhare or unit of e7uityoriented utual fund on arecognized tock e'changeon deli#ery bai
oth *urchaer a well aeller
/.125I
(ale on tock e'change ofe7uity hare or unit ofe7uity oriented utualfund on non0 deli#ery bai
(eller /./25I
ale of deri#ati#ereorganized tock e'change
(eller /./1%I
(ale of unit of e7uityoriented utual fund to theutual fund
(eller /.25I
$here are two ty*e of in#etent in utual Fund.
u* (u
(yteatic n#etent PlanE(PG
.
Lump sum>n u* u the in#etent i only one tie that
i of ,. 56///. and if the in#etent i onthly then the in#etent will be !6///80.
44
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Systematic Investment PlanSIP;>
Scheme4mount +4:
+4:;ate
.>#
!;AS investment
opportunities fund ))) ($.(()$#))!
(>@.$>
BOB growth fund ))) ?#.?()$#))!
(>=@.$#
n the abo#e chart6 we can ee how if we tart in#eting ,.1/// *er onth then what
return we9ll get for the total in#etent of ,. 12///. $here i reliance di#erified *ower
ector retail gi#ing the a'iu return of ,. 2524./% *er year which coe to 21I
roughly. Je't we can ee if anybody would ha#e undertaken the (P in Princi*al would
ha#e got return of a**. 1)I.
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to a#e and get the into the habit of a#ing. Alo *aying a all aount of ,. 1/// i
eay and con#enient for the6 thu *utting no *reure on their *ocket.
Jow we will analyze oe of the e7uity fund (P of irla (unlife with (& 2// and
bank fi'ed de*oit n a tabular forat a well a gra*hical.
#
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@(C utual Fund
J Kyya utual Fund
Prudential CC utual Fund
(ahara utual Fund
(tate ank of ndia utual Fund
$ata utual Fund E$FG
otak ahindra Aet anageent Co*any EACG
;$ Aet anageent Co*any Pri#ate iited
Reliance Mutual un! RM;
(tandard Chartered utual Fund
&cort utual Fund
Alliance Ca*ital utual Fund
enchark utual Fund
Canbank utual Fund
Chola utual Fund
C utual Fund
C utual Fund
4%
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=or-ing of a Mutual un!
Terms an! con!itions
$hi facility offered only to the in#etor ha#ing bank account in elected citie
which are *ecific in the for of the (P.
(ubit the following docuent at leat 21 working day before the firt (P date
for &C( E&lectronic clearing (er#iceG.
$he firt (P che7ue hould be iued fro the ae bank account which i to be
debited under &C( for ube7uent intallent.
$he bank account *ro#ided for &C( E-ebitG hould *artici*ate in local C,
clearing.
(P auto debit facility i a#ailable only on *ecific date of the onth i.e. 2ndor
1/thor 1)thor 2)th.
$he in#etor agree to abide by the ter and condition of &C( facility of
,eer#e bank of ndia. An in#etor can o*t for onthly or 7uarterly fre7uency.
Only one (P *er onth or *er 7uarter i *eritted *er folio8account.
4)
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Choice of chee
$a' benefit
No "uarantees:Jo in#etent i rik free. f the entire tock arket decline in
#alue6 the #alue of utual fund hare will go down a well6 no atter how
balanced the *ortfolio. n#etor encounter fewer rik when they in#et in utual
fund than when they buy and ell tock on their own. @owe#er6 anyone who
in#et through a utual fund run the rik of loing oney.
ees an! commissions:All fund charge adinitrati#e fee to co#er their day0
to0day e'*ene. (oe fund alo charge ale coiion or RloadR to
co*enate broker6 financial conultant6 or financial *lanner. en if you dont
ue a broker or other financial ad#ier6 you will *ay a ale coiion if you buy
hare in a oad Fund.
Ta
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,eliance eneral nurance6 a *art of the ,eliance 0 Anil -hirubhai Abani rou* and a
(ubidiary of ,eliance Ca*ital6 i one of the firt non0life co*anie to get the licene
fro the ,-A. ,eliance eneral nurance i ndia fatet growing general inurance
co*any and the to* 3 *ri#ate ector inurer.
,eliance eneral nurance ha 2// branche acro 1%1 citie and o#er 2/6///
51
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interediarie. ,eliance eneral nurance offer an e'hauti#e range of inurance
*roduct that co#er ot rik including Auto6 @ealth6 Pro*erty6 arine6 Caualty and
iability. nurance ndenifie Aet = ncoe. ery Aet ha a #alue and generate
ncoe to it Owner. $here i a norally e'*ected ife0tie for the Aet during which
tie it i e'*ected to *erfor. f the Aet get lot earlier6 being detroyed or ade
Jon0functional through an Accident or other unfortunate e#ent the Owner i Pre"udiced.
nurance hel* to reduce COJ(&Q;&JC&( of uch Ad#ere Circutance which are
called ,ik
nurance i the (C&JC& OF (P,&A-J OF $@& ,(. t i the yte of
*reading the loe of an ndi#idual o#er a grou* of ndi#idual
nurance i a ethod of haring of financial loe of a F&< fro a COOJ
F;J- fored out of Contribution of the AJL who are e7ually e'*oed to the
ae lo
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6IR'
(tandard Fire and (*ecial Peril Policy
ndutrial All ,ik nurance Policy
Cone7uential o EFireG nurance Policy
'I''RI
&rection All ,ik8(torage0cu0&rection nurance Policy
Contractor9 All ,ik nurance Policy
Contractor9 Plant and achinery Policy
achinery reakdown nurance Policy
achinery o of Profit nurance Policy
oiler = Preure Plant nurance Policy
&lectronic &7ui*ent nurance Policy
MARI'
arine Cargo nurance Policy
J&< 0 arine $urno#er baed Policy
J&< 0 ulti $ranit Policy
ME%ER
Pri#ate Car Co*reheni#e nurance Policy
"IA3I"I%F
-irector and Officer iability nurance Policy
53
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Public iability EActG nurance Policy
Public iability nurance Policy
Product iability nurance Policy
Profeional ndenity nurance Policy
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Scope of t3e cover
Co#erage under thi *olicy i *read acro 11 o*tional ection6 enabling you to chooe
fro the and cutoize the *olicy
Section ,A.H Fire and allied *eril for building
Section 73. H Fire and allied *eril for content
$he *hyical tructure of your ho* Eunder ection 1AG and the content therein Eunder
ection 1G can be co#ered againt fire and allied *eril. $hee co*rie0
Fire
ightning
&'*loion 8 i*loion
Aircraft -aage
,iot6 (trike and aliciou -aage
(tor6 Cyclone6 $y*hoon6 $e*et6 @urricane6 $ornado6 Flood6 and nundation
*act -aage
(ubidence and landlide including ,ocklide deolition6 contruction6 tructural
alteration or re*air of any *ro*erty or ground work or e'ca#ation
urting and 8 or o#erflowing of water tank6 a**aratu and *i*e.
iile teting o*eration
eakage fro autoatic *rinkler intallation
uh fire
$errori co#er Eo*tionalG
Policy e
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Markets
n tune with the global tock arket that began to reco#er fro the econd half of 2//3:
ndian tock arket too witneed ra*id growth. ndia9 two leading indice6 the ot
*o*ular (& (ene'6 and the one ot ued by the arket the Jational (tock
&'change9 (=P CJS Jifty roe to record le#el. oth *riary and econdary arket
acti#ity e'*erienced har* urge. uch *rogre wa ade in further trengthening and
trealining rik anageent6 arket regulation and u*er#iion. A few a*ect of the
a"or de#elo*ent in the ndia9 tock arket are decribed below. And the inurance
ector i alo *lay an i*ortant role in the growth of the financial arket.
Market Structure
ndian ecuritie arket i fairly large a co*ared to e#eral other eerging arket.
$here are 22 tock e'change in the country6 though the entire li7uidity i hared
between the countrie9 two national le#el e'change naely6 the Jational (tock
&'change of ndia and the obay (tock &'change td. $he regional tock e'change
are in *uruit of buine odel that ake the #iable and #ibrant. eanwhile6 thee
e'change ha#e becoe eber of the national le#el e'change through foration of
ubidiarie whoe buine i howing continuou growth and *rogre.
$he nuber of broker in #ariou tock e'change roe fro !6%11 in 1++40+5 to +6335
in FL/!. $he nuber of broker in all the e'change together *eaked to 1/6213 in the
year FL/1 but gradually declined thereafter when the regional tock e'change began to
loe buine in the light of wide ranging arket tructure refor introduced ince then.n FL/16 when the arket were in u*wing6 e#eral regional tock e'change were
generating buine owing to the a#ailability of deferral *roduct6 uch adla and
different ettleent calendar *re#ailing at that tie in thee e'change. For intance in
FL/16 the -elhi (tock &'change regitered cah arket turno#er of , )3).%1 bn: ;ttar
Pradeh (tock &'change6 , 24%.4% bn6 udhiana (tock &'change , +%.32 bn6 Pune
5%
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(tock &'change , !1.%1 bn a againt , 1363+5.11 bn of the turno#er at the Jational
(tock &'change and , 1/6///.32 bn turno#er at the obay (tock &'change.
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Argon ,eligare ife nurance Co. iited
Ma?or 6ro-ing 3ouse
-uring the analyi of the arket it ha been found that there are a lot of the brokeing
houe in the arket which are *ro#iding the online trading facility to the indi#idual or
the grou* of the indi#idual.
+paisa.com
Lou can now buy and ell hare on 5*aia.co with *eed co*arable and at tie
better than J(& J&A$ $erinal. $hi *eed and reliability coe only with
*ere#erance of *ioneer backed by huge in#etent in technologyT Lou can now buy and
ell hare on 5*aia.co with *eed co*arable and at tie better than J(& J&A$
$erinal. $hi *eed and reliability coe only with *ere#erance of *ioneer backed byhuge in#etent in technology.
A!vani S3are 6ro-ers
Ad#ani (hare roker6 a re*uted obay baed on in#etent houe6 o*erate fro
ndia financial hub6 -alal (treet6 ince i'ty year. t deal in e7uitie6 debt and
deri#ati#e on the obay (tock &'change and the Jational (tock &'change of ndia.
A"R&@ "roup of %ompanies
Agroy grou* of co*anie i a well etablihed nae in the field of ca*ital arket andfinancial er#ice. A,OL Finance = n#etent td. EAFG i the grou* flaghi*
co*any engaged in ca*ital arket a a *reier financial and tock broking houe. $he
co*any wa fored in Duly 1++2. (ince then it ha en"oyed *atronage of a large nuber
of #alued cutoer and buine *artner.
Anan! Rat3i Securities Limite!
Anand ,athi (ecuritie iited *ro#ide financial and ad#iory er#ice including wealth
anageent6 in#etent banking6 cor*orate ad#iory6 brokerage = ditribution of
e7uitie6 cooditie6 utual fund and inurance 0 all of which are u**orted by
*owerful reearch tea.
In!ia 2ulls
ndia bull i ndia leading retail financial er#ice co*any with %/ location *read
acro !2 citie.
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#aried *roduct and er#ice at #ery attracti#e *rice6 our o#er 45/ Client ,elationhi*
anager are dedicated to er#ing your uni7ue need.
Religare Securities Lt!.
,eligare &nter*rie iited EA ,anba'y Prooter rou* Co*anyG through ,eligare
(ecuritie iited6 ,eligare Fin#et iited6 ,eligare Cooditie iited and
,eligare nurance Ad#iory (er#ice iited *ro#ide integrated financial olution to
it cor*orate6 retail and wealth anageent client. Pro#ide #ariou financial er#ice
which include n#etent anking6 Cor*orate Finance6 Portfolio anageent (er#ice6
&7uity = Coodity roking6 nurance and utual Fund.
aypee %apital Services Lt!.
Day*ee Ca*ital (er#ice td. i a regitered elf0clearing eber with Jational (tock
&'change and (&. t ha the e'*ertie and the e'*erience to ca*italize on daily tock
o#eent and e*loy o#er 2/ *ecialit trader certified by the J(&.
I%I%I Direct
Online hare and utual fund trading facility by the CC grou*.
Arca!e S3are B Stoc- 6ro-ers
Arcadia grou* began it odet "ourney in 1++5 and now Arcadia *roudly boat about
eberhi* to J(&6(&6 -e*oitory Partici*ant EC-(G6CS6JC-&S .$he
*hiloo*hy of client er#icing backed by all *rinci*al ndian (tock and Coodity
e'change gi#e Arcadia edge o#er other *layer in the indutry egent to offer #alue
baed er#ice to it cutoer.
In!ianstoc-mar-et.net
ndiantockarket.net i an effort to educate ndian in#etor by *ro#iding ueful tock
new6 tock arket webite6 inforati#e article6 reource to #ariou in#etent guide.
Ma?or Developments in e9uity 2ro-erage in!ustry in In!ia
Cor*orate eberhi*
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reater reliance on reearch
Acceing e7uity ca*ital arket
Foreign collaboration and "oint #enture
(*ecialized er#ice8niche broking
Online broking
&erging challenge and outlook for the brokerage indutry
Fragentation
lobal O**ortunitie
Co*etition fro foreign fir
n#etor Protection
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$he ot #ital *roble *otted i of ignorance. n#etor hould be ade aware of the
benefit. Jobody will in#et until and unle he i fully con#inced. n#etor hould be
ade to realize that ignorance i no longer bli and what they are loing by not
in#eting.
utual fund offer a lot of benefit which no other ingle o*tion could offer. ut ot of
the *eo*le are not e#en aware of what actually a utual fund i? $hey only ee it a "ut
another in#etent o*tion. (o the ad#ior hould try to change their indet. $he
ad#ior hould target for ore and ore young in#etor. Loung in#etor a well a*eron at the height of their career would like to go for ad#ior due to lack of e'*ertie
and tie.
$he ad#ior ay try to highlight oe of the #alue added benefit of utual fund uch
a ta' benefit6 ru*ee cot a#eraging6 and yteatic tranfer *lan6 rebalancing etc. thee
benefit are not offered by other o*tion ingle0handedly. (o thee are enough to dri#e the
in#etor toward utual fund. n#etor could alo try to increae the *ectru of
er#ice offered.
Jow the ot i*ortant reaon for not a#ailing the er#ice of ad#ior wa *otted wa
being e'*eni#e. $he ad#ior hould try to charge a noinal fee at the beginning. ut if
not *oible then they could go for offering ore er#ice and benefit at the e'iting
rate. $hey hould alo aintain their decency and follow the code of ethic o that the
in#etor could trut u*on the. $hu the ad#ior hould try to attract ore and ore
*eron and turn the into in#etor and finally their client.
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6y t3e 3elp of 6oo-s
uine &n#ironent written y
N rancis %3erunilamN
arketing anageent written L
NP3illip >otlar
6y t3e Celp of Manuals
,eliance oney ,e*ort of 2//% = nternet.
6y t3e 3elp of &t3er Sources
y the head9 and the conultant of the ,eliance oney.
6y t3e 3elp of =e2sites
1. www. ,-Andia.org.
2. www.,elianceoney.co
3. www.inure2becure.co
4. www.google.co
5. www.
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