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1. Introduction of Company:Reliance Money is one of India's leading and fastest growing private sector financial services companies, and ranks among the top 3 private sector financial services and banking groups, in terms of net worth. This part describes the company profile. it also gives little insights into what company offers to the Consumers. This section also describes the kind of technology used.

2. About Functional areas of RELIANCE MONEY Ltd.Since the project leads to conclude the customer perception, so this section gives the details of what all areas RELIANCE MONEY offers to the consumer.

3. The objective of project:The main objective of working on this project is to know about customers perception and highlighting the Swot Analysis of RELIANCE MONEY Ltd. For this we have surveyed & fill questionnaire from different investors.

4. Methodology:The method adopted to carry on this report was based on both primary and secondary sources. Initially we have collected data through primary source in the form of filling of questionnaire from public and personally talking with existing customers who are trading in stock market.

Secondly information collected from Internet sites, books, and journals & from employees etc.

5. Findings of the comparison done on the basis of questionnaire filled by clientThis section tells you about the findings which I got to know during my training in a premium trading company. 6.Knowledgable points which I gain in RELIANCE MONEYThis section tells about the basic knowledge of capital market, which I got to know during my training

7. SWOT Analysis of RELIANCE MONEY: This section gives the detail of what are the strength, weakness, opportunity & threats of RELIANCE MONEY.

8. Conclusion and recommendation:This section tells you my views about RELIANCE MONEY. What I feel and conclude after my training.

Core StrengthsBreadth of Service In line with its client-centric philosophy, the firm offers to its clients the entire spectrum of financial services ranging from brokerage services in equities and commodities, distribution of mutual funds, IPOs and insurance products, real estate, investment banking, merger and acquisitions, corporate finance and corporate advisory.Clients deal with a relationship manager who leverages and brings together the product specialists from across the firm to create an optimum solution to the client needs.

Management TeamAR brings together a highly professional core management team that comprises of individuals with extensive business as well as industry experience.In-Depth ResearchIts research expertise is at the core of the value proposition that we offer to our clients. Research teams across the firm continuously track various markets and products. The aim is however common - to go far deeper than others, to deliver incisive insights and ideas and be accountable for results.

FUNCTIONAL AREAS OFRELIANCE MONEY

EQUITY & DERIVATIVES MUTUAL FUNDS DEPOSITORY SERVICES COMMODITIES INSURANCE BROKING IPOs

Equity & Derivatives BrokerageReliance Money provides end-to-end equity solutions to institutional and individual investors. Consistent delivery of high quality advice on individual stocks, sector trends and investment strategy has established us a competent and reliable research unit across the country.

Clients can trade through us online on BSE and NSE for both equities and derivatives. Dedicated sales & trading teams in our trading desks support them across the country. Clients either through their designated dealers, email, web or SMS can access research and investment ideas. Depository ServicesReliance money Depository Services provides you with a secure and convenient way for holding your securities on both CDSL and NSDL. Its depository services include settlement, clearing and custody of securities, registration of shares and dematerialization. We offer you daily updated Internet access to your holding statement and transaction summary.

CommoditiesCommodities broking - a whole new opportunity to hedge business risk and an attractive investment opportunity to deliver superior returns for investors. Its commodities broking services include online futures trading through NCDEX and MCX and depository services through CDSL. A dedicated research cell that provides both technical as well as fundamental researches supports commodities broking. Our research covers a broad range of traded commodities including precious and base metals, Oils and Oilseeds, agri-commodities such as wheat, chana, guar, guar gum and spices such as sugar, jeera and cotton. In addition to transaction execution, it provides its clients customized advice on hedging strategies, investment ideas and arbitrage opportunities.

Insurance BrokingAs an insurance broker, RELIANCE MONEY provide to our clients comprehensive risk management techniques, both within the business as well as on the personal front. Risk management includes identification, measurement and assessment of the risk and handling of the risk, of which insurance is an integral part. The firm deals with both life insurance and general insurance products across all insurance companies. Its guiding philosophy is to manage the clients' entire risk set by providing the optimal level of cover at the least possible cost. The entire sales process and product selection is research oriented and customized to the client's needs. It laid strong emphasis on timely claim settlement and post sales services.IPOsRELIANCE MONEY are a leading primary market distributor across the country. Its strong performance in IPOs has been a result of our vast experience in the Primary Market, a wide network of branches across India, strong distribution capabilities and a dedicated research team. RELIANCE MONEY has been consistently ranked among the top 10 distributors of IPOs on all major offerings. Our IPO research team provides clients with in-depth overviews of forthcoming IPOs as well as investment recommendations. Online filling of forms is also available.

OTHER SERVICES Risk Management. Due diligence and research on policies available. Recommendation on a comprehensive insurance cover based on clients needs. Maintain proper records of client policies. Assist client in paying premiums. Continuous monitoring of client account. Assist client in claim negotiation and settlement.

OBJECTIVE OF THE STUDY

To know the back office work.

To know vast area of RELIANCE MONEY Ltd.

Give recommendation either to retain or to modify the existing target in order to maintain position.

To know the perception of investors about various investment.

To create awareness in investors about investment as well as trading.

To know level of satisfaction of investors who have already invested.

METHODOLOGY

It is the specification of the way or method for getting the information needed to structure or solve the problemMethodology of the project starts with: In the first phase we are trained and they teach us different things about market & products offered by RELIANCE MONEY. Then we were asked to create Database of customers who can be converted into potential clients (through internet and people surveyed through questionnaire). After that we were asked to think we are clients who can raise questions in mock viva, in order to think about the various problem that can be faced by the customers. So that we can solve their queries if they have during convincing them. Then we were asked to make calls where we have to provide details of product and convince them. Then we have to fix meeting with them and give that appointment to relationship managers for insurance and mutual fund.Maintaining dairy of clients and contacting them at regular basis.The next part knows the Back office operations of RELIANCE MONEY group. Here I worked on one software that is Investwell. This software is used for maintaining customers data and their portfolio. This software is its own software of RELIANCE MONEY. The main functions of this software are following:

INVESTWELL

Maintain investors portfolio summery Viewing investors transaction log Maintain investors bank details & contact number Viewing AUM of the company

Research Design: -

A research is a basic plan that guides the date collection and it's analysis. As the current study reveals about the development of financial industries in India and also to know the investors perception about various types of investment .The study will also help to know the recent trends in the industry.

Data Collection

Primary data: - The mode of data collection was self-administered questionnaire. One questionnaire was prepared for the survey. The primary data is collected to know the views of the investors about the various investments. The response was analyzed.

Secondary Data: -

The secondary data is that data, which have already been collected. I collected data from the circulars, Internet, stock market magazines, NCFM books, annual reports as well as departments also.

Method of Data Analysis: - Collected data was analyzed with the help of simple statistical tools i.e. Mean. After that I encoded the responses and calculated the respective percentage by constructing Bar charts.

FINDINGS

We have done a survey to know the percentage of people interested in investing money in stock market with the help of Questionnaire filled by different people.

Percentage of People interested in stock market

People interested in stock market investmentPercentage

Yes40%

No60%

According to the questionnaire surveyed I have found: Only 40% of people are interested in investing in stock market, others do invest in Mutual funds, banks, post office etc. Now also there is a fear factor among general public in concerned with share market. They think it is speculation. But awareness through Relationship Manager in various Securities Company is increasing peoples interests.

Percentage of account open in various brokerage houses

Investors their various D mat A/C in various brokerage housesPercentage

indiabulls16

RELIANCE MONEY17

Religare12

Share khan15

Motilal oswal15

OTHERS30

According to questionnaire I have found that The percentage of RELIANCE MONEY in account opening is 17% & indiabulls is stand on 16% apart from this share khan & motilal oswal both are stand at 15% religare got only 12% clients. RELIANCE MONEY is top in among all the brokerage houses but indiabulls, sharekhan & motilal oswal is threat for reliance money. Motilal oswal research is also best in industry so we can say that it is a upcoming threat for RELIANCE MONEY. RM should be must aware about their client. They should try to fulfill customer needs. So customer can be retain in the organization.

PERCENTAGE OF VARIOUS SOURCE OF INCOME GROUP INVESTORS

VARIOUS INCOME GROUPPERCENTAGE

BUSINESS MAN40

PROFESSIONALS32

GOVT.EMPLOYEE18

OTHERS10

According to my survey Businessman is more interested to invest in capital market. RM should be more pay attention on professionals because there is probability that professionals can also invest more because the service sector of India is on boom so they can invest more

PERCENTAGE OF VARIOUS INCOME GROUP INVESTORS

VARIOUS INCOME GROUPPERCENTAGE

1 LAKH- 2 LAKH25

2 LAKH- 3 LAKH15

3LAKH- 4 LAKH20

ABOVE 4 LAKH40

According to my survey More than 4 lakh annually income group members are more interested in investing. Here some new schemes should be launched for attracting small income group people.

PERCENTAGE OF INVESTORS INVEST IN VARIOUS AREAS

VARIOUS INVESTMENT AREASPERCENTAGE

FIXED DEPOSIT 20

MUTUAL FUND10

SHARES 20

REAL ESTATE25

BONDS & DEB15

INSURANCE10

According to my survey I have found

Insurance & mutual funds are also the functional areas of RELIANCE MONEY. So RM should try to convince people in investing mutual funds & insurance. The market is going towards the positive in future as a long-term perspective. So, investors also must concentrate on share trading.

PERCENTAGE OF KEYPARAMETRE OF INVESTMENT

KEYPARAMETRE OF INVESTMENTPERCENTAGE

INCOME TAX SAVING 20

HIGHER RETURN30

RISK AVOIDANCE 10

FUTURE SAFETY20

GUARANTEED INCOME20

According to my survey People are interested to invest because of getting higher return. Income tax saving, future safety & guaranteed income are also other key parameter of the investment.

PERCENTAGE OF SAVINGS INVEST IN VARIOUS AVENUES

SAVINGSPERCENTAGE

0 20% 55

20 40%25

40 60 %15

60% & ABOVE5

According to my survey I have found Mostly people invest their 0-20% savings. Here RM convinces customers to invest their money in various areas. Small saving investors are also convincing in mutual fund for example in SIP.

PERCENTAGE OF PROBLEM FACING BY EXISTING BROKER

PROBLEM FACING BY EXISTING BROKERPERCENTAGE

BROKERAGE 20

SERVICING 40

DOCUMENTATION 20

OTHER PLEASE SPECIFY20(ATTITUDE, FRIENDLY ATMOSPHERE, PRESSURE)

According to my survey People are facing services problem from their brokerage houses. Brokerage problem does not matter to clients in front of services So if brokerage is more but services are good then client can convince easily. Better Services is the USP of RELIANCE MONEY. So it is a big strength for RELIANCE MONEY.

LIMITATIONS

Sampling method did the total research.

Place constraints were there.

Sample size was chosen as per the convenience. The results are not perfect for conclusive study.

A person may be biased while at the time of survey in providing his/her personal information.

Respondent was not fully educated about the brokerage charged by the securities, services, AMC & exposures. They did not have enough information about the market and facilities.

Because of lack of awareness it takes lot of time in convincing people to start investing in shares in secondary market.

Results of study are not representing the whole population thats why further study is needed to get more concrete results.

Mostly people comfortable with traditional brokers.

Since most of the people are quite experienced and also they are not techno savvy. Also Internet penetration is poor in India.

Misleading concepts: -Some people think that shares are too risky and just another name of gamble but they dont know its not at all that risky for long investors.

Results of study are not representing the whole population thats why further study is needed to get more concrete results.

SWOT ANALYSIS OFRELIANCE MONEY

Strengths of RELIANCE MONEY:

What makes RELIANCE MONEY better than its competitors? A firms strengths are its resources and capabilities that can be used as a basis for developing a competitive advantage. Examples of such strengths Includes: Good reputation among customers as RELIANCE MONEY provides a relationship manager to every client. Online trading platform. Diverse Branch Network provides sample opportunities to penetrate Deep into the existing & untapped market. Since its inception in FY 1995 the company and its subsidiaries have grown from a single Location to a nationwide network spread over 350 offices with 100 Thousand Retail customers. Personal relationship manager who will help assist the clients in share trading. RELIANCE MONEY offers its clients a pool of financial services and products: EQUITY & DERIVATIVES MUTUAL FUNDS DEPOSITORY SERVICES COMMODITIES INSURANCE BROKING IPOs Reliable Research report to support the investment decision of its clients. Trading via branch network, telephones and Internet account i.e. both online and offline. Strong market presence and increased market share leading to a virtuous cycle of growth and profitability. Induction of new employees through an extensive computer based training module that equips them to service their clients efficiently. An added advantage of RELIANCE MONEY is its strong brand name, which helps its sales force to sell the products.Citi Group Venture Capital International picks up 19.9% equity stake.

It provides portfolio management service to its clients. It also provides auto-paying (POA) facility to its clients.

WEAKNESSES OF RELIANCE MONEY Too many people try to eat the same piece of pie i.e. people employed in RELIANCE MONEY hit the same area to target their customers. Unlike some of its competitors like ICICI and Kotak, RELIANCE MONEY does not provide a complete catalogue of financial services (e.g. Banking facility). There is no limit to the maximum number of clients that a Relationship manager can handle. This affects the level of service provided to the clients who are not volume traders. Due to the less incentives it leads demotivation among the employees and thus they leave the organization.

OPPURTUNITIES TO RELIANCE MONEY

The external environmental analysis may reveal certain new opportunities for profit and growth some examples of such opportunities include:

An unfulfilled customer need. Arrival of new technologies. Stake of Citi Group venture in RELIANCE MONEY. Financial services like mutual fund and insurance. Market expansion i.e. opening branches at untapped areas. RELIANCE MONEY is registered with Dubai stock exchange and so can target other stock exchanges. The Capital market in the last few years has turned out to be one of the favorable avenues for the retail investors. This is due to the Performance of the Indian Industry in various sectors and the Economy in general. Even the future outlook looks promising. Scope of online trading on BSE. Market seems favorable for commodities trading.Should RELIANCE MONEY choose to enter this segment it may prove to be a profitable

THREATS TO RELIANCE MONEY

Changes in the external environmental also may present threats to the firm. Some of the examples include:

Shifts in consumer tastes away from firms products. Emergence of competitors company whom charging less brokerage. Companies like Share khan, ICICI, Angel and Private Brokers are major threats to RELIANCE MONEY. Banks with demat facility jockeying for position. Local brokers capable of charging lower brokerage. Industry competitors vying for the same target segment. Changes in SEBI guidelines & other tax implications. Government Regulations.

COMPETITIVE STRENGTHS TO BE THE MARKET LEADER

What keeps RELIANCE MONEY ahead of the competition is the competitive edge that it has over other players in the market. Diverse Branch Network. Bouquet of financial products and services. Advanced technology team that delivers market leading product innovation. Strong sales and marketing teams with continuous reinvestment and training. Strong and experienced promoters. Leading product innovation and marketing strategies. Well-capitalized player, with strong banking relationships and credit ratings. Ability to combine people and technology in unique ways. Strong market presence and increased market share leading to a virtuous cycle of growth and profitability. A depth research team.

RECOMMENDATION

In our survey of prospective investors preferences and their attitude towards share trading, we found that the majority of prospective investors from the sample i.e.40% want to invest in the capital market and 60% of the sample are of indifferent attitude.It is suggested to RELIANCE MONEY that it should not only target these 17% rather RELIANCE MONEY should target 83% of the sample that indicates to those investors who are of indifferent attitude.Also RELIANCE MONEY should maintain the same efficient network availing the competitiveness and widening the network in order to get the top most position.Working of Back Office

The policies related to Trading and DP should be consistent and in congruence with each other. The time lag between giving in the kits for registration and opening the account should be reduced to ensure speedy and efficient service. Any change in the policies of company should be given at least one-week notice before implementing it. Generally After 4 pm investwell & pradnya software is not running well so it creates hindrance while doing work. There is improper Internet facility so it should be always well or continue.

After getting Leads attention should be made on following points:1. The calls made should be more informative and assertive.2. The RM should provide an in depth demonstration of the software and client should be assisted regularly. 3. Provision of a manual for online clients for ease of operation.4. Time lag between the complaints put and follow up should be reduced.5. Database should be verified properly, so that repeated entries do not occur. This will reduce inconvenience to the clients, who complained about multiple calls received.6. 24*7 hours facility should be provided to the clients because generally most of the clients are free on Sunday or any holiday so this time RM can be easily convince them.

Analysis of Client Interaction (Already existing clients)Client interaction and after sales services are the most crucial aspects for any business. We carried out a study to judge the level of satisfaction of the clients with the services of RELIANCE MONEY. This helped us in understanding why RELIANCE MONEY has become one of the most trusted brands within a span of twelve years.1. The Relationship Managers (RM) should be made responsible to ensure that the clients are well catered, thus, reducing switching over of A lot of time lag is there between the follow up and the change of RM, as a result, the calls could not leave a positive impact on the clients, so contacted. Therefore, follow up should be done fast without any time lag. 2. Many clients did not know about the change of RM. This leaves a bad impression on the concerned client, damaging the reputation of the firm so, heed is taken in this regard.3. The customers, who were satisfied with the services, appreciated this kind of follow up. Therefore, such follow-ups are done from time to time, to gain customer confidence.4. Many clients are not given confirmation after the trade, so they should be given due information about it.5. Complete net knowledge should be given to clients so that they may not find any difficulty in login of their A/C on the RELIANCE MONEY website & its software.

6. RELIANCE MONEY focuses only on equities but it should also be focused on other areas.

Other Recommendations

Strong Need Of Brand Building. Promotional Strategies. Solid Network Required To Develop The Business Further. Make The Branch Self-Informative. Should be launched new schemes. They are highly focused only on equities should be also focused on other areas.

Promotional Strategies Press publicity Outdoor publicity

Press publicity Paper inserts Advertisements in newspaper (local and national). Mailers/personal invitations to selective section of the society Leaflets

Outdoor publicity Banners in commercial areas and prime sites. Bus stands shelters. Off site ATM for developing business. Advertisements on Dividers and Railings.

Media Local channel advertisement (cable TV scrolls). Advertisements in news channels and business channels.

ConclusionFrom the above survey, comparison charts & differential study. We can conclude that the majority of prospective investors from the sample i.e.60% does not want to invest in the capital market because either they dont have sufficient knowledge about stock market or they dont have time or they feel that it is risky to invest in stock market. From my study I can say that motilal oswal is a very big threat for RELIANCE MONEY because number of clients have not much difference and the USP of both the brokerage houses is research. So RELIANCE MONEY should also focus on other services.

RELIANCE MONEY by its distinctive feature can efficiently provides 100% satisfaction to its various categories of investors. RELIANCE MONEY is only Brokerage house that provides various privileges over Other Securities Company. It is the only one who provides a satisfactory redeem to both category of investors by providing them Low brokerage charges, low annual maintenance charges, low a/c opening charges, provides cash exposure facility, in order to provide financial assistance to those investors having lack of funds to invest in capital market. On the other hand RELIANCE MONEY provides better services and best advices (through research) to its investors through on line & off line facility

Bibliography

BOOKS

Bhaskeran R., Principles and Practices of banking, Macmillan Publishers India Limited, New Delhi, Second Edition,2008 Chandra Prasanna, Investment Analysis and Portfolio Management, Tata McGraw Hill Private Limited, New Delhi, Fourth Edition,2012 Bhalla V. K.; Investment Management, S. Chand and Company Limited, New Delhi, Sixteenth Edition,2010 NCFM Financial Market Module

NEWSPAPER

Economic times Financial express

MAGZINES

Business today Money outlook

WEBSITES http://www.reliancemoney.com http://www.nseindia.com http://www.bseindia.com http://www.moneycontrol.com http://www.iibf.org http://www.amfi.com

QUESTIONNAIRE

1. NAME ADDRESS.. . . ... . CONTACT NO. ..

2. Do you invest in share market: - I) YES II) NO

3.You are trading through which brokerage house? I) INDIABULLS II) RELIANCE MONEY III) SHAREKHAN IV) RELIGARE V) MOTILAL OSWAL VI) OTHERS

4.SOURCE OF INCOME: - I) GOV. EMPLOYEE II) PRIVATE EMPLOYEE III) BUSINESS MAN IV) OTHERS 5.INCOME PER ANNUM: - I) 1 LAKH - 2LAKH II) 2 LAKH 3 LAKH III) 3 LAKH 4 LAKH IV) ABOVE 4 LAKH

6. WHERE DO YOU INVEST YOUR MONEY? I) FIXED DEPOSIT II) MUTUAL FUND III) SHARES & DEB. IV) REAL ESTATE V) BONDS & DEB. VI) INSURANCE

7. WHAT ARE THE KEY PERAMETRES FOR INVESTMENT DECISIONS? I) INCOME TAX SAVING II) HIGHER RETURN III) RISK AVOIDANCE IV) FUTURE SAFETY V) GUARANTEED INCOME

8. ON AN AVERAGE, WHAT PERCENTAGE OF YOUR SAVINGS / EARNINGS YOU INVEST IN THESE INVESTMENT AVENUES? I) 0 20% II) 20 40% III) 40 60 % IV) 60% & ABOVE

9. WHICH TYPE OF PROBLEM YOU ARE FACING WITH YOUR EXISTING BROKER? I) BROKERAGE II) SERVICING III) DOCUMENTATION IV) OTHER PLEASE SPECIFY

10. PLEASE PROVIDE US THREE OR FOUR REFRENCES WHO ARE WILLING TO INVEST IN SHARE MARKET?

NAME CONTACT NO. 1. . 2. .. . 3. .. . 4 .

11. ANY QUERRY RELATED TO INVESTMENT?

. . . .

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