A TRAINING PROJECT REPORT On Study of Demat Account of

A training project Report submitted in partial fulfillment of the requirements for the award of the degree of

MASTER OF BUSINESS ADMINISTRATION (INDUSTRY INTEGRATED) TO

Punjab Technical University

Submitted To: Asst. Prof Narender Project Guide

Submitted By: Mohsin Showkat BBA 3rd SEM Roll no. 76

CT Institute of Management and IT JALANDHAR (20010-2011)

PREFACE

The successful completion of this project was a unique experience for me because by visiting many place and interacting various person I achieved a better knowledge about sales. The experience which I gained by doing this project was essential at this turning point of my carrier this project is being submitted which content detailed analysis of the research under taken by me.

The research provides an opportunity to the student to devote his/her skills knowledge and competencies required during the technical session. The research is on the topic Study of demat account of Reliance Money

ACKNOWLEDGEMENT
For successful Completion of any task we need guidance and motivation at every step. I am highly privileged to express my sincere gratitude to Miss Sakshi Vats (Relationship Manager of Reliance Money) and Miss Prabhjot Kaur (Faculty member) under Whose Ingenious supervision I had done my project. I express my sincere thanks for their valuable guidance. They made this experience of mine informative and rewarding. They provide me all the facilities and environment for successful completion of my training.

I will be failing in my duties if I do not acknowledge the help, support of my friends whose love and affection supported me throughout life and in this project also.

Mohsin Showkat

CERTIFICATE

This is to certify that Mohsin Showkat BBA IIIrd Semester CT Institute of Management and IT, Punjab Technical University has done project on Reliance Money and has successfully completed her project on Study of Demat account of Reliance Money This report is completed under my guidance. It is only for academic purpose and is a bonafide work done by researcher.

Project Guide Miss Prabhjot Kaur Faculty CTIMIT

DECLARATION

I Rajni Arya have done here by declare that the project work entitle on the Study of Demat Account of Reliance money at Panchkula is the original work done by me. This project is done under the guidance of Miss Prabhjot Kaur (Faculty member) and Miss Sakshi Vats (Relationship Manager of Reliance Money).

This project report presented as a partial fulfillment requirement for the degree of Master of Business administration.

Rajni Arya MBA 3rd Sem. CTIMIT

TABLE OF CONTENTS

1. Introduction 2. Company Profile 3. Product of the Reliance Money 4. Need for the study 5. Competitors. 6. Objectives . 7. Research Methodology 8. Data Analysis and Interpretation 9. Findings and Suggestions 10. Limitations

11. Bibliography 12. Annexure

INTRODUCTION

Reliance Money Transacting and investing simplified. Get ready to change the way you transact and invest in financial products and services .Whether you wish to transact in equity, equity & commodity derivatives, IPOs offshore investments or prefer to invest in mutual funds, life & general insurance products or avail money transfer and money changing services, you can do it all through reliance money .Simply open a reliance money account and enjoy the convenience of handling all your key financial transactions through this one window .Reliance Money has over 22 lakhs customers and more then 10'000 branches in around 5000 cities in India. Company is among the largest broking and distribution house of financial products and having share of more then 3% of total stock market volume at BSE & NSE. RelianceMoney.com is the web based investment portal (with Online Stock Trading) from Reliance Money. This website enables its customer to invest & manage most of the services provided by Reliance Money including Equity (Stock) Trading, Commodity Trading, Derivatives, Mutual Fund Investment, IPO Investment, Life Insurances, General insurances, Money Transfer, Forex exchange, Gold Coins and Credit Cards Services. Company recently entered in to Wealth Management with tools like investment in equity-linked portfolio management services, structured products, insurance and mutual funds. The Reliance Money stock trading websites uses special security features 'Security Token', which makes your online trading experience more secure without complexity.

PROFILE OF RELIANCE MONEY

The Reliance Anil Dhirubhai Ambani Group is among Indias top three private sector business houses on all major financial parameters, with a market capitalisation of Rs.325,000 crores (US$ 81 billion), net assets in excess of Rs.115,000 crores (US$ 29 billion), and net worth to the tune of Rs.55,000 crores (US$ 14 billion)

Reliance Money is a comprehensive electronic transaction platform offering a wide range of asset classes. Its Endeavour is to change the way India transacts in financial markets and avails financial services. Reliance Money is a single window, enabling you to access, amongst others in Equities, Equity & Commodities Derivatives, Mutual Funds, IPOs, Life &

General Insurance products, Offshore Investments, Money Transfer, Money changing and Credit Cards. Reliance Money is a group company of Reliance Capital; one of India's leading and fastest growing private sector financial services companies, ranking among the top 3 private sector financial services and banking companies, in terms of net worth. Reliance Capital Ltd. has interests in asset management, life and general insurance, private equity and proprietary investments, stock broking and other financial services. Reliance Capital is one of Indias leading and fastest growing private sector financial services companies, and ranks among the top 3 private sector financial services and banking companies, in terms of net worth. The company has interests in asset management and mutual funds, life and general insurance, private equity and proprietary investments, stock broking and other activities in financial services

RELIANCE ADA GROUP

Reliance Money

Reliance Money is a group company of Reliance Capital, one of India's leading and fastest growing private sector financial services companies, ranking among the top 3 private sector financial services and banking companies, in terms of net worth. Reliance Capital is a part of the Reliance Anil Dhirubhai Ambani Group .Reliance Money is a comprehensive electronic transaction platform offering a wide range of asset classes. Its endeavor is to change the way India transacts in financial markets and avails financial services. Reliance Money is a single window, enabling you to access, amongst others in Equities, Equity & Commodities Derivatives, Mutual Funds, IPOs, Life & General Insurance products, Offshore Investments, Money Transfer, Money Changing and Credit Cards The Reliance Anil Dhirubhai Ambani Group is one of India's top 3 business houses, and has a market capitalization of over Rs.2,90,000 crore (US$ 75 billion),net worth in excess of Rs.40,000 crore (US$ 10 billion), cash flows of Rs. 9,000 crore (US$ 2.2 billion), net profit of Rs. 5,000 crore (US$ 1.3 billion) and zero net debt.

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Chairman's Profile:
Regarded as one of the foremost corporate leaders of contemporary India, Shri Anil Dhirubhai Ambani is the chairman of all listed companies of the Reliance ADA Group, namely, Reliance Communications, Reliance Capital, Reliance Energy, Reliance Natural Resources and Reliance Power .He is also Chairman of the Board of Governors of Dhirubhai Ambani Institute of Information and Communication Technology, Gandhi Nagar, Gujarat .Till recently, he also held the post of Vice Chairman and Managing Director in Reliance Industries Limited (RIL), India's largest private sector enterprise. Anil Dhirubhai Ambani joined Reliance in 1983 as Co-Chief Executive Officer, and was centrally involved in every aspect of the company's management If we look for examples to prove this quote then we can find many but there is none like that of Reliance Money. The company which is today known as the largest financial service provider of India. Reliance Capital has interests in asset management and mutual funds, life and general insurance, private equity and proprietary investments, stock broking, depository services, distribution of financial products, consumer finance and other activities in financial services. Reliance Mutual Fund is India's no.1 Mutual Fund. Reliance Life Insurance is India's fastest growing life insurance company and among the top 4 private sector insurers. Reliance General Insurance is India's fastest growing general insurance company and the top 3 private sector insurers. Reliance Money is the largest brokerage and distributor of financial products in India with more than 2.5 million customers and the largest distribution network. 11

Reliance Consumer finance has a loan book of over Rs. 8,000 crores at the end of June 2008. Reliance Capital has a net worth of Rs.6,862 crores (US$ 1.6 billion) and total assets of Rs. 19,940 crores (US$ 4.6 billion) as of June 30, 2008 and over 26,000 employees. Money has increased its market share among private financial companies to nearly Convenient & effective Anytime & anywhere financial transaction capability. Launched in April 2007. It provides the Flat fees system. It has 2.2 million customers in 1 year of official launch. It has over 5,000 outlets across 700 towns/cities. Average daily turnover in excess of Rs 2,000 crores. Considering the entire life market, including the Rs. 12,890 crores booked by life insurance Corporation, Reliance life insurance market share works out to around 6.25% .The life insurance market continuous to be dominated its 73% share in end-July . These comparisons are only for first year or new business premium.

RELIANC MONEY PRODUCT OFFERING

1. Trading Portal (with almost negligible brokerage ) Equit y Broking Commodit y Broking Derivatives ( Futures & Options ) Offshore Investments (Contract For Differences) D-Mat Account.

2. Financial Products
Mutual Funds Life Insurance o ULIP plan o Term Plan o Money Back Plan General Insurance o Vehicle/Mo Health Insurance o Health Insurance o House insurance IPOs NFOs 12

3. Value-Added Services
Retirement Planning Financial Planning Tax Saving Children Future Planning

4. Credit Cards 5. Gold coins retailing

.Success is a journey, not a destination RELIANCE DEMAT ACCOUNTS

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Overview of Demat Account

In India, a Demat account the abbreviation for dematerialized account, is a type of banking account which dematerializes paper-based physical stock shares. The dematerialized account is used to avoid holding physical shares: the shares are bought and sold through a stock broker. This account is popular in India. The Securities and Exchange Board of India (SEBI) mandates a demat account for share trading above 500 shares. As of April 2006, it became mandatory that any person holding a demat account should possess a Permanent Account Number (PAN), and the deadline for submission of PAN details to the depository lapsed on January 2007.

Procedure
1. Fill demat request form (DRF) (obtained from a depository participant or DP with whom your depository account is opened). 2. Deface the share certificate(s) you want to dematerialize by writing across Surrendered for dematerialization. 3. Submit the DRF & share certificate(s) to DP. DP would forward them to the issuer / their R&T Agent. 4. After dematerialization, your depository account with your DP, would be credited with the dematerialized securities.

Reliance Money Demat Account Services

Reliance Money Transacting and investing simplified. Get ready to change the way you transact and invest in financial products and services .Whether you wish to transact in equity, equity & commodity derivatives, IPOs offshore investments or prefer to invest in mutual funds, life & general insurance products or avail money transfer and money changing services, you can do it all through reliance money. Simply open a reliance money account and enjoy the convenience of handling all your key financial transactions through this one window. Benefits of having a reliance money account

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 Its cost effective

You pay comparatively lower transaction fees. As an introductory offer, we invite you to pay a flat fee of just Rs. 500/- and 750/- and transact through reliance money. This fee is valid for two months or a specified transaction value

The table below for details

Its offers single

Through reliance moneys associates, you can transact in equity, equity and commodities derivatives, offshore investments mutual funds, and IPOs life insurance, general

Insurance, money transfer, money changing and credit cards, amongst others.

Its convenient
You can access reliance moneys services through The internet The phone (call & transact)

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Our all India network of associates On an assisted trade (through the call centre or our network of associates) a charge of Rs 12 per executed trade applicable.

Its Safe Your account is safeguarded with a unique security number that changes every 32 seconds. This number works as a dynamics password to keep your account extra safe.

You get your own demat account with reliance capital at an annual fee of just Rs. 50/-. Its provides you a demat account Provides you a 3-in-1 facility. You can access your banking, trading and

demat account through a single window and transfer funds across accounts seamlessly. It provides you value- added services. At www.reliancemoney.com, you get Reliable research, including views of external experts with an enviable track record Live news updates from Reuters and Dow Jones CEOs / expert views on the economy and financial markets Tools that help you plan your investments, tax, retirement, etc. in the personal finance section Risk Analyser for analysis of your risk profile Asset allocators to build an appropriate investment portfolio Innovative use of technology for facilitating 16

Convenient trading/investments Kiosks (similar to ATMs)

Reliance Money Provide the kiosks (similar to ATMs) Facilities, to their customer through which the customers can trade on available kiosks at the particular Branch of Reliance Money. The company is going to open these kiosks in the market as the ATMs of the banks. Reliance Money provides 3 different trading platforms for equity trading: Fast Trade Easy trade

The Benefits
A safe and convenient way to hold securities; Immediate transfer of securities;

No stamp duty on transfer of securities;

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Elimination of risks associated with physical certificates such as bad delivery, fake

securities, delays, thefts etc.; Reduction in paperwork involved in transfer of securities; Reduction in transaction cost; No odd lot problem, even one share can be sold; Nomination facility; Change in address recorded with DP gets registered with all companies in which investor holds securities electronically eliminating the need to correspond with each of them separately; Transmission of securities is done by DP eliminating correspondence with companies; Automatic credit into demat account of shares, arising out of

bonus/split/consolidation/merger etc. Holding investments in equity and debt instruments in a single account.

Required Documents
The extent of documentation required to open a demat account may vary according to your relationship with the institution. If you plan to open a demat account with a bank, a savings, current and, or other account for which the holder have been issued a check book, such holder has an edge over the non-account holder. In fact, banks usually offer additional incentives to customers who open a demat account with them. Along with the application form, your photographs (with co-applicants) and proof of identity/residence/date of birth have to be submitted. The DPs also ask for a DP-client agreement to be executed on nonjudicial stamp paper. Here is a broad list: A canceled check, preferably MICR Proof of Identification Proof of Address Proof of Pan Card (mandatory) Recent photographs, one or more For proof of identification and, or address self-attested facsimile copies of PAN card, Voters ID, Passport, Ration card, Drivers license, Photo credit card, Employee ID card, Bank attestation, latest IT returns and, or latest

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Electricity/Landline phone bill are sufficient. While they only ask for photocopies of the documents, they will need the originals for verification.

Points to Remember
1. Only securities admitted by NSDL can be dematerialized. The list is available with your DP. 2. Only securities registered in the name of the account holder can be dematerialized. 3. Dematerialization is normally completed within 15 days after the share certificates have Reached the issuer/ their R&T Agent. Thus it may take you a month from the date you hand Over shares, to receive demat credit. 4. Dematerialization would be done only when the issuer / their R&T Agent is satisfied of Genuineness of securities & ownership status 5. All the joint holders should sign the DRF. 6. The pattern of holding in the DRF should match the pattern of holding on the share Certificate & the pattern in which account is opened. 7. Demat requests with name(s) not matching exactly with the name(s) appearing on the Certificates merely on account of initials not being spelt out fully or put after or prior to the Surname, would be processed, and provided the signature of the client on the DRF tallies With the specimen signature(s) available with the issuer/ their R & T agent. 8. If the signature in the DRF does not match with the signature available with the issuer/ Their R & T agent, the issuer/ their R & T agent may at the time of demat confirmation, ask For additional documentation (like bank attestation/ notarization, etc.) to prove that the Certificate belongs to the person who forwarded the DRF. 9 In case there is any problem in processing the DRF, contact your DP and if he cannot Resolve the problem you may contact NSDL. Benefits Demat account has become a necessity for all categories of investors for the following reasons/ benefits: SEBI has made it compulsory for trades in almost all scrips to be settled in Demat mode. Although, trades up to 500 shares can be 19

settled in physical form, physical settlement is virtually not taking place for the apprehen sion of bad delivery on account of mismatch of signatures, forgery of signatures, fake certificates, etc. It is a safe and convenient way to hold securities compared to holding securities in physical form. No stamp duty is levied on transfer of securities held in Demat form. Instantaneous transfer of securities enhances liquidity. It eliminates delays, thefts, interceptions and subsequent misuse of certificates. Change of name, address, registration of power of attorney, deletion of deceased's name, etc. - can be effected across companies by one single instruction to the DP. Each share is a market lot for the purpose of transactions - so no odd lot problem.

Any number of securities can be transferred/delivered with one delivery order. Therefore, paperwork a nd signing of multiple transfer forms is done away with. It facilitates taking advances against securities on low margin/low interest.

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NEED OF THE STUDY

The need of the study arises because of the reason that a trainee must understand the company, its achievements and tasks, products and services and also to collect information about its competitors, its products and services offered. So that, after understanding and collecting information about the organization and its competitors, a trainee will be ab le to work well for the organization. From the study I have learned very much, about the company as well as the strategy of the customers, which helps me a lot at m y working days.

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COMPETITORS

HDFC BANK is one of the leading Depository Participant (DP) in the country with over 8 Lac demat accounts. HDFC Bank Demat services offers you a secure and convenient way to keep track of your securities and investments, over a period of time, without the hassle of handling physical documents that get mutilated or lost in transit. HDFC BANK is Depository participant both with National Securities Depositories Limited (NSDL) and Central Depository Services Limited (CDSL).

Features & Benefits

As opposed to the earlier form of dealing in physical certificates with delays in transaction, holding and trading in Demat form has the following benefits : Settlement of Securities traded on the exchanges as well as off market transactions. Shorter settlements thereby enhancing liquidity. Pledging of Securities. Electronic credit in public issue. Auto Credit of Rights / Bonus / Public Issues / Dividend credit through ECS. Auto Credit of Public Issue refunds to the bank account. No stamp duty on transfer of securities held in demat form. 22

No concept of Market Lots.

Change of address, Signature, Dividend Mandate, registration of power of attorney, transmission etc. can be effected across companies held in demat form by a single instruction to the Depository Participant (DP).

Secured & easy transaction processing

HDFC Bank Ltd provides convenient facility called 'SPEED-e' (Internet based transaction) whereby account holder can submit delivery instructions electronically through SPEED-e website (https://speed-e.nsdl.com). SPEED-e offers secured means of transaction processing eliminating preparation of instruction slips and submission of the same across the counter to the depository participant. The 'IDEAS' facility helps in viewing the current transactions and balances (holdings) of Demat account on Internet on real time basis.

Disclaimer:
Whatever have been stated above are in the good interest of the Investor / Demat Applicants / holders to provide a brief picture about the depository system. You are requested go through the guidelines of the depositories before taking any further action. For detailed guidelines, you are requested to approach your nearest HDFC Bank branch. HDFC Bank will not be responsible for any misunderstanding / act based on the above. Also HDFC Bank might ask for additional information / documentation than what has been stated above to process your application / instruction.

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ICICI DIRECT

ICICI Direct (or ICICIDirect.com) is stock trading company of ICICI Bank. Along with stock trading and trading in derivatives in BSE and NSE, it also provides facility to invest in IPOs, Mutual Funds and Bonds. Trading is available in BSE and NSE ICICI Direct offers 3 different online trading platforms to its customers

Type of Account24
1. Share Trading Account Share Trading Account by ICICIDirect is primarily for buying and selling of stocks in BSE and NSE.This account allows Cash Trading, Margin Trading, MarginPLUS Trading, Spot Trading, Buy Today Sell Tomorrow and Call and Trade on phone. ICICIDirect.com website is the primary trading platform for this trading account. They also provide installable application terminal based application for high volume Trader.Wise Investment Account 2. Online Mutual funds investment allows investor to invest on-line in around 19 Mutual Fund companies. ICICI Direct offers various options while investing in Mutual Funds like Purchase Mutual Fund, Redemption and switch between different schemes, Systematic Investment plans, Systematic withdrawal plan and transferring existing Mutual Funds in to electronic mode. This account also 24

provides facility to invest in Government of India Bonds and ICICI Bank Tax Saving Bonds. Active Trader account gives more personalized investment options to the investors. It allows investor to use online and offline stock trading. It also provides with independent market expertise and support through a dedicated Relationship Manager from ICICI. Active Trader also provides commodity trading.

Brokerage and fees

Account opening fees : Rs 750/- (One time non-refundable)

Brokerage : ICICI Direct.com brokerage varies on volume of trade and inclusive

of demat transaction charges, service taxes and courier charges for contract notes. It ranges from 0.1% to 0.15% for margin trades, 0.2% to 0.425% for squared off trades and 0.4% to 0.85% on delivery based trades. Disadvantages of ICICI Direct 1. Getting access to ICICIDirect.com website during market session can be frustrating.

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OBJECTIVES

To check the awareness among the people about Reliance Money and various services provided by it like: DEMAT account, and E -Banking etc.

To check the awareness among the people abou t the online share trading.

To collect the real time information about preference level of customers using DEMAT account and their inclination towards various other brokerage firms.

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RESEARCH METHODOLOGY
Research Methodology refers to search of knowledge .one can also define research methodology as a scientific and systematic search for required information on a specific topic. The word research methodology comes from the word advance learner s dictionary meaning of research as a careful investigation or inquiry especially through research for new facts in my branch of knowledge for example some author have define research methodology as systematized effort to gain new knowledge.

TYPES OF RESEARCH

ANALYTICAL RESEARCH:It has to used facts or information already available and analyzes these to make a critical evaluation of material.

SAMPLE SIZE: Considering the constraints it was decided to conduct the study based on
sample size of 100 people in specific age groups.

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UNIVERSE OF STUDY: The Universe of the study for the Study of demat account of
Reliance Money is in the Panchkula city .Due to the time and cost constraints, it is impossible to collect the preference of all people in the city. Hence, purposive selections of respondents for survey have done.

METHODS OF DATA COLLECTION

In the project work Primary data secondary data (both) sources of data has been used .

1. Primary sources of data: In the primary sources of data used Observation Method & Questionnaire method. 2. Secondary sources of data : In the secondary sources of data is used. (Internet , magazine ,books, journals.

TOOLS OF ANALYSIS
In the project work quantitative technique & percentage method are has been used. For the easy analysis of work percentage method has been work out.

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For easy understanding data, diagrammatic representation has been made in the form of charts.

PERCENTAGE ANALYSIS

Percentage refers to a special kind of Ratio. It is used in making comparison between two or more series of data. They are used to describe relationships.

Percentage of investors = No. of investors*100

RESEARCH DESIGN
For the proper analysis of data simple quantitative technique such as percentage were used . It help in marketing more accurate generalization From the data available .The data which was collected from a sample of population was assumed to be representing entire population was interested .Demographic factor like age, income were used for the classification purpose.

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DATA ANALYSIS AND INTERPRETATION

PART-A

1. AGE GROUP

AGE 18-25 year 25-35year >35 year TOTAL

NO OF RESPONDENTS 77 14 9 100

% OF RESPONDENTS 77% 14% 9%

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GRAPHICAL REPRESENTATION

AGE GROUP
90 80 70 No. of respondes 60 50 40 30 20 10 0 18-25 year 25-35year Age >35 year 14 9 77

INTERPRETATION : This AGE GROUP graph show 77% maximum respondent are belong to 18-25 year than minimum 9%are above 35 year.

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2. GENDER

GENDER

NO.OF RESPONDES

% OF RESPONDES

MALE

53 53%

FEMALE

47

47%

TOTAL

100

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GRAPHICAL REPRESENTATION

GENDER/SEX
0% 0% 0% FEMALE 47%

MALE 53%

INTERPITATION: This gender / sex graph shows 53% respondents are male and 47% are female.

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3. MARITAL STATUS
MARITAL STATUS SINGLE MARRIED TOTAL NO OF RESPONDENTS 82 18 100 % OF RESPONDENTS 82% 18%

GRAPHICAL REPRESENTATION
MARITAL STATUS
90 80 70 No. of respondes 60 50 40 30 20 10 0 SINGLE MARRIED Marital Status 18 82

INTERPRETATION: This marital status graph shows 82% respondent are single and 18% are married respondent.

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4. OCCUPATION
OCCUPATION BUSINESS PROFESSIONAL SERVICE HOUSE WIVES RETIRD ANY OTHER TOTAL NO OF RESPONDENTS 19 42 16 2 8 13 100 % OF RESPONDENTS 19% 42% 16% 2% 8% 13%

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GRAPHICAL REPRESENTATION

OCCUPATION
45 40 35 30 25 20 15 10 5 0 No. of respondes

OCCUPATION

OCCUPATIO

INTERPRETATION: This Occupation graph shows 19% respondents are having their own business , 42% Professionals , 2% respondents are house wives , 8% are retired, and 13% are anyother.

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5. ANNUAL INCOME (in Rs)

ANNUAL INCOME BELOW 2 LACK 2 - 5 LACK >5 LACK NILL TOTAL NO OF RESPONDENTS 39 32 14 15 100 % OF RESPONDENTS 39% 32% 14% 15%

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GRAPHICAL REPRESENTATION
ANNUAL INCOME

0% 15% 14% 32% 39% BELOW 2 LACK 2-5 LACK >5 LACK NILL

INTERPRETATION: This annual income graph shows 39% respondents fall under the category having income bellow 2 lack, 32% fall under the category 25 lack, 14% respondents fall under the category >5 lack , and 15% with nill income.

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PART - B
Q1. Do you ever heard about RELIANCE MONEY ?
Awareness of No. of respondent RELIANCE MONEY. Yes 80 No 20 Percentage of respondent 80% 20%

GRAPHICAL REPRESENTATION
Result of Awareness of RELIANCE MONEY .

20% 80%

yes no

Interpretation: This pie chart shows 80% respondents heard about the reliance money , and 20% respondents do not heard about the reliance money.

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Q2. Do you have investment in Demat account in any company?

Particulars Yes No No. of respondent 82 18 Percentage of respondent 82% 18%

GRAPHICAL REPRESENTATION

Result of investment in demat account .

18% 82%

yes no

Interpretation:-

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Q3.What facilities you are looking for opening Demat account in any financial institution?
Particulars Less Brokerage Better online trading facilities Less maintenance charges Time to time return Less opening charges 20 30 20% 30% 10 10% No. of respondents 30 10
Percentage of respondent

30% 10%

GRAPHICAL REPRESENTATION
35 30 25 20 15 10 5 0 10 10 20 30 30

Interpretation:41

Q 4. What facilities do you know that Reliance Money offer?

Particulars Insurance Demat account Online trading

No. of respondent 50 30 20

Percentage of respondent 50% 30% 20%

GRAPHICAL REPRESENTATION
50 50 45 40 35 30 25 20 15 10 5 0 Reliance ICICI HDFC 20 30

Interpretation:-

50% have respondent of Reliance Money, 30% have respondent of

HDFC, 20% have respondent of ICICI.

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Q5. With which company do you have your Demat account?

Company Name Reliance money HDFC ICICI

No. of respondent 48 15 19

Percentage of respondent 48% 15% 19%

GRAPHICAL REPRESENTATION

ICICI, 19 Reliance Money HDFC Reliance Money, 48 ICICI

HDFC, 15

Interpretation:-

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Q6. Are you aware of online Share trading facilities?

Aware of online share trading Yes No Total No. of respondent 70 30 100 Percentage of respondent 70% 30%

GRAPHICAL REPRESENTATION

No, 30 Yes No

Yes, 70

Interpretation: With the increase in cyber education, the awareness towards online share
trading has increased by leaps and bounds. This awareness is expected to increase further with the increase in Internet education. In this pie chart 70 % respondents are aware of online share trading but 30% dont aware of online share trading.

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Q7. How many times you do trading?

Particulars No. of respondent Percentage Respondents Daily Monthly Weekly Yearly 7 35 20 8 7% 35% 20% 8% of

GRAPHICAL REPRESENTATION
Percentage of respondents
8% 7%

Daily 20% Monthly 35% Weekly Yearly

Interpretation: This pie chart shows 7% respondents do trading daily , 35% respondents says they do trading monthly , 20% respondents says they do trading weekly and 8%% respondents says they do trading yearly.

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Q8. Which company provides you a better online trading facility?

Company Name Reliance money HDFC ICICI No. of respondent 40 10 20 Percentage of respondent 40% 10% 20%

GRAPHICAL REPRESENTATION
40 40 35 30 25 20 15 10 5 0 Reliance HDFC ICICI 10 20

Interpretation: Above graph shows that 40% respondents says that reliance
money provides better online trading facility, and 10 %respondents says HDFC bank provides better online trading facilities and 20 % says ICICI provides better online facilities.

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Q9. According to your perspective which investment gives you maximum return? Particulars Share Market Mutual funds Purchasing insurance Policy No. of respondents 35 20 15
Percentage of respondent

35% 20% 15%

GRAPHICAL REPRESENTATION

15% 35% 20% Share Market Mutual funds Purchasing insurance Policy

Interpretation:- This pie chart shows that out of 70 respondents 35%

respondents are of view that share market gives maximum return , 20% respondents says Mutual funds gives maximum return and 15% are of view that insurance policy gives maximum return.

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Q10. Which company provides less BROKERAGE rate?

Company Name RELIANCE MONEY. HDFC ICICI No. of respondent 40 20 10 Percentage of respondent 40% 20% 10%

GRAPHICAL REPRESENTATION

45 40 40 35 30 25 20 20 15 10 10 5 0 Reliance Money ICICI Direct HDFC

Interpretation:- In this graph out of 70 respondents 40% respondents says

reliance money provides less brokerage rate , 10% respondents says HDFC provides less brokerage rate and 20% respondents says ICICI provides less brokerage rate.

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Q11.According to you what makes Reliance money better than other financial institutions?
Particulars Less Brokerage Better online trading facilities Less maintenance charges Time to time return No. of respondents
Percentage of respondent

GRAPHICAL REPRESENTATION
Interpretation:-

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FINDINGS

Most of the respondents are aware of reliance money and feels that reliance money is easily available everywhere.

According to most of the respondents Reliance Money offers large number of services through demat account.

Most of the respondents are aware of online trading and are also in the favour of online share trading.

Reliance Money provides better online trading facilities in comparison to HDFC and ICICI.

According to the analysis Reliance Money provides less brokerage rate in comparison to HDFC and ICICI.

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SUGGESTIONS
The Brand image of Reliance Money is good in market but according to customer satisfaction the company has to provide the better service.

Online trading is beneficial but it is very expensive so Reliance Money should provide online trading services at low cost.

Reliance Money should provide demat services at low cost so that customers should be more benefited.

Limitations
Sample chosen may not be the true representative of population.

In certain cases the respondents were lazy and filled the questionnaire without any seriousness.

The time constraint was one of the major problems.

The study is limited to the different schemes available under the demat account selected.

The lack of information sources for the analysis part.

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CONCLUSION

Reliance Demat Account is better than other Demat account. Reliance Money has good return of investment. A good brand is always welcomed over here people are aware of quality so they go for ready to spend bucks of money. At last all can be concluded by that Reliance Money is still growing industry in India Reliance Demat account have brokerage rate .It provide a security with the use of special type of key . less

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BIBLIOGRAPHY
Websites: www.reliancemoney.com www.xomba.com/www_reliancemoney_com. www.hdfcdemat.com https://trade.hdfc.com/ www.chittoragh.com/.../online_stock_brokers_detail.asp?a=6 www.icicidirect.com www.icicidirect.com/home.asp https://secure .icicidirect.com/trading/lbs/logon.asp.

Reference books:
1. FINANCIAL INSTITUTIONS AND MARKETS 2.INVESTMENT MANAGEMENT - BHALL V.K. 3. Research methodology: KOTHARI C.R. BHOLE L.M.

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ANNEXURE

Q1.Do you ever heard about RELIANCE MONEY? Yes No

Q2.What facilities do you know that reliance money offers? Insurance Demat account Online trading

Q3.Do you have investment in Demat account? Yes No

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Q4. With which company do you have your Demat account? Reliance Money HDFC ICICI direct

Q5. Are you aware of online share trading facilities? Yes No

Q6.Which company provide you better online trading facilities? Reliance Money HDFC ICICI direct

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Q7.According to your perception which investment gives you maximum return? Share market Mutual funds Purchasing insurance policy

Q8. Which company provide a less BROKERAGE rate ? Reliance Money HDFC ICICI Q9.What facilities are you looking for opening demat account in any financial institution? Less Brokerage Better online trading facilities Less maintenance charge Time to time return Less opening charges

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Q10.According to you what make Reliance money better than other financial institutions? Less Brokerage Better online trading facilities Less maintenance charge Time to time return Q11.How many time you do trading? Daily Monthly Weekly Yearly

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